JP2002304532A - Settlement system for merchandise purchase money and its method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve the degree of freedom of a mail-order business agent, and to reduce the load of the agent in a mail-order business through the Internet, and to promote the adoption of settlement by the Internet banking. SOLUTION: This system is provided with a receiving part 12 for receiving a prescribed parameter related with merchandise purchase from a merchandise seller server system, a control part 13 for controlling a parameter processing procedure of the parameter based on the parameter, a processing part 14 for processing the log-in to the bank server system of a user, and for specifying the transaction account of the user, an interface generating and presenting part 15 for generating an interface for accepting the input of the instruction of the user, and for displaying it on a user terminal, a processing part 16 for performing settlement processing according to the instruction from the user, a processing part 17 for performing the conclusion processing of an account transfer contract according to the instruction from the user, and a transmitting part 18 for transmitting a processing execution finish parameter which is generated by the above mentioned processing to the merchandise seller server system.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system and a method for settlement of a product purchase price using, for example, a Web site of a product seller.

[0002]

2. Description of the Related Art One of the merchandise retailing methods is so-called mail-order sales.

[0003] Mail-order sales are a product sales method in which a detailed product catalog or the like can be used to order products by telephone, the Internet, or the like without directly visiting a product store such as a retail store. . Among them, in particular, according to mail-order sales using the Internet, products can be purchased at any time and place, and the range of use has been rapidly expanding in recent years with the development of communication means.

[0004] As a method of settlement of a product purchase price in mail-order sales, settlement by bank transfer using Internet banking together with credit card settlement has attracted attention. According to Internet banking, similar to credit card settlement, there is an advantage that a user can make a bank transfer continuously on the same terminal after deciding to purchase a product on a mail order company site.

[0005]

[0005] In the case where the settlement processing by Internet banking is to be performed seamlessly from the mail-order company's WEB site, it is necessary to transfer the settlement data from the mail-order company to the bank online. .

[0006] In this case, the parameters required for the settlement process differ depending on the bank. In addition, in order to smoothly perform the payment process, it is necessary that parameters necessary for the payment have been received from the mail order company without any shortage. Therefore, in order to introduce the settlement by Internet banking, it is necessary for the mail-order company to construct a system for ensuring that parameters sent to the bank are not omitted. Such restrictions place a burden on mail order companies and substantially hinder the adoption of settlement by Internet banking.

[0007] The present invention has been made in view of such circumstances, and an object thereof is to increase the degree of freedom of a mail-order business and reduce the burden on mail-order sales through the Internet, and to promote the adoption of settlement by Internet banking. It is an object of the present invention to provide a settlement system and a settlement method that can perform the settlement.

[0008]

According to a first main aspect of the present invention, there is provided a settlement method for allowing a user to settle a purchase price for a product through a terminal. (A) receiving predetermined parameters related to the product purchase from the product seller; (b) generating and presenting a payment instruction input interface for the user based on the received parameters;
(C) executing the settlement processing of the commodity purchase price based on receiving a settlement instruction from the user through the interface; and (d) executing the settlement processing based on the completion of the settlement processing. Transmitting a parameter related to the executed payment to the seller. Here, if the parameters received from the merchandise seller include at least a merchandise seller ID for specifying the merchandise seller and a session ID for specifying the transaction of the user, Good.

According to such a configuration, the parameters relating to the settlement processing are returned to the merchandise seller. Therefore, the parameters relating to the merchandise purchase received from the merchandise seller are insufficient, and the shortage is communicated to the user by the bank. Even if the information is supplemented by communication between the sellers, the merchandise seller can know the matter. This allows the merchandise seller to proceed with the procedure based on the parameters.

[0010] For example, even when the data of the purchase price of the product is not included in the parameters from the product seller, the user can input his own purchase price at the bank and settle it. , The merchant can check the amount. Therefore, there is an effect that the degree of freedom of the merchandise distributor can be increased and the burden on the system can be reduced.

[0011] Further, according to such a configuration, after confirming the fact of settlement on the merchandise seller side, it is possible to proceed with the procedure of shipping the merchandise on its own site again.
The effect is that seamless and secure transactions can be realized.

[0012] According to one embodiment of the present invention, in the settlement method, the step (b) is required for login or settlement according to the type of parameter received from the commodity seller. Generating an input in the interface for parameters not received from the interface. According to such a configuration, parameters not received from the merchandise seller can be supplemented by communication with the user, and thereby the payment processing can be performed.

According to another embodiment, the step (c) is to generate an instruction to transfer the settlement price from the account of the user to the account of the merchandise seller. In this case, in the step (c), the user is authenticated, and the withdrawal account information of the user is obtained based on the result of the authentication, and the withdrawal account information of the user is stored in advance. And generating the transfer instruction on the basis of the payment account information of the merchandise seller.

[0014] According to such a configuration, it is possible to settle the purchase price of goods by transfer.

According to yet another embodiment,
It is preferable that the parameter related to the executed payment transmitted to the merchandise seller includes at least the session ID and information generated by a predetermined logic from the session ID. According to such a configuration, even when the parameter related to the executed payment is received via the user's terminal, the authenticity of the parameter can be confirmed by using this information, and "impersonation" Can be prevented.

According to a second main aspect of the present invention, there is provided a settlement method for allowing a user to perform a fund transfer contract process of a purchase price of a product through a terminal, wherein (a) the product seller (B ′) generating and presenting an interface for inputting a debit contract processing instruction from the user based on the received parameters; c
′) Executing a fund transfer contract process of the product purchase price based on receiving the fund transfer contract processing instruction from the user through the interface;
') Transmitting a parameter relating to the executed processing to the merchandise seller based on the completion of the execution of the fund transfer contract processing.

Further, according to a third main aspect of the present invention, there is provided a settlement method for a user to perform a fund transfer contract process of a purchase price of a product through a terminal, wherein (a) the product seller Receiving a predetermined parameter related to the product purchase from (a ''), determining whether to make a settlement, a fund transfer contract or both based on the received parameter, and (d '') Transmitting a parameter relating to the executed process to the merchandise seller based on completion of execution of one or both of the settlement and the fund transfer contract. .

Further, according to a fourth main aspect of the present invention, there is provided a settlement system for allowing a user to settle a purchase price for a product through a terminal, wherein the user is provided with a product purchaser. Parameter receiving means for receiving predetermined parameters; payment instruction input interface presenting means for generating and presenting a payment instruction input interface for the user based on the received parameters; and receiving a payment instruction from the user through the interface. Settlement processing execution means for executing the settlement processing of the commodity purchase price based on the result, and transmitting the parameter relating to the executed settlement to the commodity seller based on the completion of the execution of the settlement processing. And a settlement system.

According to this configuration, it is possible to obtain a system that can execute the settlement method according to the first main aspect.

The other features and remarkable effects of the present invention will be more clearly understood by referring to the following embodiments of the present invention and the accompanying drawings.

[0021]

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

FIG. 1 is a schematic configuration diagram showing this embodiment.

In the figure, 1 is a server system of a merchandise seller who sells merchandise (commodity seller server system), 2 is a terminal of a user who purchases merchandise from the merchandise seller (user terminal), and 3 is a terminal of the user This is an Internet bank server system (Internet bank server system) in which the user has an account.
Has a settlement processing system 4 and a bank account system 5. The terminal 2 and the server systems 1 and 3 are configured to be able to communicate with each other via the Internet network or other communication networks. Note that the user terminal 2 is preferably a personal computer. The personal computer includes a mobile phone. In this case, communication between each of the servers 1 and 3 and the user terminal 2 is performed through a predetermined mobile phone center. However, in FIG. 1, illustration is omitted to avoid complication of the drawing.

FIG. 2 shows the merchandise seller server system 1.
1 is a functional block diagram showing a payment processing system 4.

First, the merchandise seller server system 1
Presents a product catalog on the user terminal 2 by an arbitrary method, and stores a received order in a product order receiving unit 6
And the product you want to settle for the user (payment product)
And a payment product selection unit 7 for selecting a payment method, a payment parameter transmission unit 8 for transmitting payment parameters relating to the user to the payment processing system 4, and a process execution for receiving processed parameters from the payment processing system 4. It has a completed parameter receiving unit 9, an erasing processing unit 10 for changing the status in the erasing table in accordance with the processing parameter, and a product sending instruction unit 11 for instructing the user to send a product.

These components are actually a storage medium provided in the server system 1 and various computer software programs stored in the storage medium. These programs are called and executed by the CPU of the server system 1, for example, on a RAM, and partly in the form of an HTML program.
To be executed on the user terminal 2.

Here, the payment parameter is a parameter sent to the payment system of the bank server system 3 and used for performing the payment processing, and is, for example, as shown in FIG. The parameter name and its specification (not shown) are publicly disclosed by the Internet bank. Thereby, the merchandise seller can create a program (homepage) of its own site to transmit information corresponding to this parameter to the bank server system 3 in association with this parameter. Also, as shown in FIG. 3, the use of these parameters other than the “company code” and “session ID” is optional, and may or may not be used.

In this embodiment, it is assumed that the merchandise seller has his / her own transaction account at the Internet bank and has acquired the "company code" in the parameters. .

Further, the processed parameter is
As shown in FIG. 4, the parameters are returned from the bank server system 3 to the commodity seller server 1 after processing such as settlement is performed by the bank server system 3. This is used for the processing of. In other words, the merchandise seller server system 1 can perform an erasing process, collect information for merchandise delivery to the merchandise purchaser, and the like based on the processed parameter.

Although the details of the settlement parameter and the settlement executed parameter will be described later, the transfer of parameters between the merchandise seller server system 1 and the settlement processing system 4 (bank server system 3) is all performed by the user. This is performed via the terminal 2. In other words, the parameters are transferred via an HTML program (for example, a hidden frame) executed on the user terminal 2 or a command for executing the HTML program. In this case, this parameter may be displayed on the user terminal 2 or may not be displayed.

On the other hand, the settlement processing system 4 shown in FIG.
A payment parameter receiving unit 12 for receiving predetermined parameters related to the product purchase from the product seller server system 1; and a processing sequence control unit 13 for controlling a processing procedure of the parameters based on the received parameters.
A login processing unit 14 for processing a user's login to the bank server system 3 and specifying the user's transaction account; and an instruction for receiving an input of the user's instruction according to the received parameter. An instruction input interface generation / presentation unit 15 for generating an input interface and displaying it on the user terminal, and a payment processing unit 16 for performing a payment process such as a transfer in accordance with an instruction from the user through the instruction interface. And a fund transfer contract processing unit 17 for executing a process of concluding a fund transfer contract in accordance with an instruction from the user through the instruction interface, and the process execution parameter generated as a result of the above process execution to the product seller. And a process-executed parameter transmitting unit 18 that transmits the parameter to the server system 1.

Here, the processing sequence control unit 13
Is the “application code” in the parameter (see FIG. 3)
In order to perform only account authentication (app code = 1), transfer only (app code = 2), account transfer contract (app code = 3), or a combination thereof (app code = 4), the user Login processing unit 14,
It has a function of selectively activating the settlement processing unit 16 and the fund transfer contract processing unit 17. Here, when the information received from the seller server system 1 does not include this application code, only the transfer (application code = 2) is executed.

The user login processing unit 14
When a parameter such as an account number for login is not included in the parameters received from the merchandise seller, a first parameter input unit generation unit 19 is provided for generating an input unit for inputting these parameters.

Further, the instruction input interface generating / presenting unit 15 also performs the processing when the parameters received from the merchandise seller server system 1 do not include parameters required for a specific process, for example, the settlement amount. It has a second parameter input unit generation unit 20 that generates an input unit for inputting these.

On the other hand, the settlement processing unit 16 includes a withdrawal account information acquisition unit 21 for acquiring the withdrawal account information of the user based on the authentication result of the user login processing unit 14, and a business in the parameter. A deposit account information acquisition unit 22 for acquiring information on the account of the merchandise seller, that is, a deposit account, based on a user code, and an instruction for transferring a merchandise purchase price from the user account to the merchandise seller account. It has a transfer instruction data generation unit 23 and a processing completed parameter generation unit 24 that generates a processing completed parameter based on the transfer processing result. When the transfer instruction data is transmitted to the bank account system 5, the transfer processing is actually performed.

The fund transfer contract processing unit 17 obtains a withdrawal account and a deposit account and generates fund transfer contract information between them, similarly to the settlement processing unit 16 described above. Since it is equivalent to the settlement processing unit 16, its illustration and description are omitted. The instruction data generated by the fund transfer contract processing unit 17 is also transmitted to the bank account system 5, and the processing corresponding to the instruction data is performed.

The result of such processing is expressed as the processed parameter shown in FIG. 4 by the processed parameter generator 24 and transmitted from the processed parameter transmitter 18 to the merchandise seller server system 1. It is supposed to be.

As described above, the transfer of parameters between the merchandise seller server system 1 and the settlement processing system 4 is all performed via the user terminal 2.

Hereinafter, the functions of the above-described components will be described in detail together with actual processing procedures. FIG. 2 shows S1 to S2.
A reference numeral 0 indicates a step code for referring to the processing procedure, which corresponds to steps S1 to S20 in the following description.

First, the user enters his / her own user terminal 2
The merchandise seller site is displayed above, and an order for merchandise is made (step S1). This order is sent to the product order reception unit 6
And stored in an order storage unit (not shown). The order itself does not necessarily have to be made through a personal computer, but may be made by an automatic telephone answering system. Further, in addition to the telephone response of the operator, a direct meeting reception may be used.

Next, when the user intends to make a payment for the product price, the user logs in to the product seller server system 1 from the user terminal 2 and instructs the display of the product details. As a result, the payment product selection unit 7 of the product seller server system 1 presents a list of products that have not been settled by the purchaser, and causes the purchaser to select one or more payment products ( Step S2). When the payment products are selected, the payment parameters are collected by the payment parameter transmitting unit 8 and transmitted to the payment processing system 4 via the user terminal 2 as the payment parameters (steps S3 and S4). The payment parameter is transmitted to the payment processing system 4 via a confirmation screen displayed on the user terminal 2.

Here, for the "arbitrary" item in the settlement parameters shown in FIG. 3, it is up to each merchandise seller to decide whether to transmit the item. In other words, the merchandise seller has a bank store number (JNBBR) and an account number (NN
BAC) and names (CUST_NAME1, NAME)
2) or the like may or may not be input, and when it is input, such information is transmitted in association with those parameters. In addition, the total amount may be transmitted in association with the amount (AMOUNT) in the parameter in accordance with the selection of the above-mentioned payment product. In this way, by giving flexibility to the use of the settlement parameter, each seller can send to the bank server system 3 at least only the company code for identifying itself and the session ID for identifying the transaction. The burden can be reduced because it is sufficient.

The payment parameters transmitted to the bank server system 3 are acquired by the payment parameter receiving unit 12. Next, the processing sequence control unit 13
However, after activating the login processing unit 14 and performing the login process, according to the application code (see FIG. 3) in the parameters, only account authentication (application code = 1), only transfer (application code = 2). The user login processing unit 1 to perform only a debit contract (application code = 3) or a combination thereof (application code = 4).
4. The settlement processor 16 and the fund transfer contract processor 17 are selectively activated and controlled in a predetermined order (step S5).

Here, the application code can be specified by the product seller according to the product sales form of the product seller. For example, the process of “account authentication only” is used when it is only necessary to confirm the existence of an account in processes such as installment sales.

Hereinafter, the processing procedure will be described by taking as an example a case of “transfer only” (application code = 2), which is a typical settlement method.

In this case, first, the processing sequence control section 13 activates the user login processing section 14.
The login processing unit 14 includes, in the payment parameter,
When the information (store number and account number) necessary for login is included, the user is prompted to enter only the password, and then executes login (step S6). On the other hand, when the information necessary for login is not included, the first parameter input unit generation unit 19 displays a dialog for inputting parameters necessary for login on the user terminal 2, The necessary parameters are obtained (step S7).

Next, an interface for inputting an instruction is generated.
The presentation unit 15 generates and presents an interface for inputting an instruction to the user based on the received parameters, and receives the input of the instruction (Step S8). Further, if there are parameters necessary for settlement and not received from the product seller according to the type of parameter received from the product seller, the second parameter input unit generator 20 Is displayed on the user terminal 2 (step S9).

According to this, the parameters not received from the merchandise seller are supplemented by communication with the user, thereby making it possible to perform the settlement processing.

The settlement processor 16 executes settlement processing of the commodity purchase price based on receiving a settlement instruction from the user through the interface (step S10). In this case, first, the withdrawal account information acquisition unit 21 acquires the withdrawal account information (branch, account name) of the user based on the login result, and determines whether there is a balance of the amount related to the settlement. Confirm (step S11). Next, the deposit account information acquisition unit 22 acquires account information (branch, account name) of the merchandise seller based on the company code in the parameter (step S12). Then, the transfer instruction data generation unit 23 creates a transfer processing command to the bank account system 5 based on the payment account information and the payment account information acquired above and the transfer amount (step S13). This transfer processing command is immediately transmitted to the bank account system 5, and the execution of the transfer processing is registered (step S).
14).

After the transfer processing has been executed, the processed parameter generator 24 of the settlement processor writes a predetermined value to each of the processed parameters shown in FIG. 4 (step S15). That is, in the “session ID”, the session ID received from the merchandise seller is entered as it is. "Return session ID"
Is filled in with a character string generated by processing the session ID with a predetermined logic. In the “status”, the application code is entered. Below the “transfer date”, enter bibliographic information on actual processing execution. It should be noted that information that was not included in the initial payment parameters, and that could be obtained in the course of the transfer process, for example,
“Customer first and last name”, “customer nature”, “customer name” and the like are also included in this information.

Here, the “return session ID” is
This is information for preventing “spoofing” which makes it appear that the processed parameter has been returned to the merchandise server system 1 via the user terminal 2. FIG.
Is a schematic diagram showing a procedure for generating the return session ID.

As shown in this figure, in this embodiment, the return session ID 25 is a company code 26 included in the settlement parameter on the merchandise seller side, an individual company code previously distributed to each merchandise seller. The key 27 and the session ID 28 are converted into character strings by a predetermined character string conversion logic, and are generated by applying a hash function to the character strings 29. Then, after receiving the return session ID 25 on the merchandise seller side, the return session ID generated by itself
By checking with 25 ', the authenticity of the information can be confirmed.

As shown in FIG. 2, the processing-executed parameters generated as described above are transmitted to the commodity seller server system 1 by the parameter transmission unit 18 after the confirmation of the user is obtained (step S1). S16, S1
7). This transmission is performed through an HTML program for acquiring the confirmation by the user.

On the merchandise seller server system 1 side, the processed parameter is acquired by the processed parameter receiving unit 9, and according to the contents thereof, the erase processing unit 1 is obtained.
0 to execute an order clearing process (step S1).
8). When the payment has been made without any excess or shortage, the commodity shipping instruction section 11 issues a commodity shipping instruction (step S19).

FIG. 5 schematically shows the above processing procedure. It should be noted that the reference numerals referred to by the symbol S in this figure correspond to those in FIG.

That is, according to this embodiment, the payment parameters (denoted by 30 in the figure) passed from the merchandise seller to the bank server side need only minimal information for specifying this transaction, but are insufficient. Information is requested from the Internet bank (steps S6 to S9). Then, after the processing in the Internet bank is completed, the maximum information for specifying the contents of the processing (processing-executed parameters shown in FIG. 31) is returned to the product seller in real time through the user terminal 2 (step S17). ). The information of this processing result is accurate information authenticated by the Internet bank.

As described above, since the contents of the processing can be specified by the processing executed parameter 31, the information (settlement parameter 30) initially passed to the Internet bank may be incomplete, and the business operator may execute this processing. Based on the completed parameters 31, it is possible to acquire information necessary for the application process (step S18) using the application table 32 and for shipping the product.

Next, a description will be given, with reference to FIG. 6, of a transfer + fund transfer contract of application code = 4.

In this case, the processing sequence control unit 13
However, in addition to the transfer processing shown in FIG. 5, the fund transfer contract processing unit 17 shown in FIG. 2 is started to execute the fund transfer contract processing. That is, the process up to the transfer confirmation in step S16 shown in FIG. 6 is the same as the transfer-only process, but in this step S16, the transfer-processed parameter is transmitted to the product seller server system 1 (step S16).
17) Continue to execute the fund transfer process (step S)
20). In this fund transfer contract processing, the fund transfer contract processing unit 17 of FIG. 2 performs the transfer contract processing of the product purchase price from the user's withdrawal account to the product seller's deposit account in the same procedure as the settlement processing unit. Data is generated and transmitted to the bank account system (step S20). Then, as shown in FIG. 6, the result of the transfer contract processing is compiled into processed parameters, and the processed
Is transmitted to the product seller server system via the user terminal (steps S16 ', S17)
´).

As a result, the first payment of the installment sales and the like and the second and subsequent account transfer contract processing are successively performed, and the processing results are returned to the product seller server system. Become.

Next, account authentication with application code = 1 will be described with reference to FIG. This account authentication is, for example, a procedure for judging whether a product purchaser's account exists and whether the account is his / her own account, when the user desires an account transfer.

In this case, the merchandise seller server system 1 does not transmit, as the payment parameter 30, information relating to account authentication and personal authentication, that is, information such as an account number and the name of a person, but an application code and a company code. And only the session ID is transmitted to the bank server system. Upon receiving this payment parameter, the processing sequence control unit 13
Is activated, and a parameter input unit for account authentication and personal authentication is displayed on the user terminal 2 by the parameter input unit generation unit 19 (step S21).

Here, based on the input parameters, a predetermined authentication process is performed in the bank server system 3 (step S22), and if the account authentication and the personal authentication are successful, this parameter is determined as the process executed parameter. 31 is returned to the merchandise seller via the confirmation screen of the user terminal by the parameter transmission unit (steps S16 '' and S17 ''). The processed parameter is applied to an application table for account authentication and personal authentication, and is used for application processing.

According to such a configuration, the parameters related to the settlement processing are returned to the merchandise seller. Therefore, the parameters related to the merchandise purchase received from the merchandise seller are insufficient, and the shortage is communicated to the user by the bank. Even if the information is supplemented by communication between the sellers, the merchandise seller can know the matter. This allows the merchandise seller to proceed with the procedure based on the parameters.

The present invention is not limited to the above-described embodiment, but can be variously modified without changing the gist of the invention.

For example, in the above embodiment, the terminal of the purchaser is a mobile phone, but the terminal is not limited to this. For example, a small PDA or other personal computer may be used.

The merchandise seller server system 1
Does not need to be operated and managed by the mail order company from which the purchaser purchased the product. For example, it may be a person who handles only settlement of mail order or a server system of cyber mall.

Further, the payment parameters and the processed parameters are not limited to those described in the above-mentioned embodiment.

[0069]

As described above, according to the present invention, a settlement method which can increase the degree of freedom of a mail order company and reduce the burden on mail order sales over the Internet, and can promote the adoption of settlement by Internet banking. And its system can be provided.

[Brief description of the drawings]

FIG. 1 is a schematic configuration diagram showing an embodiment of the present invention.

FIG. 2 is a functional block diagram showing a settlement processing system.

FIG. 3 is a view showing settlement parameters.

FIG. 4 is a view showing processing-executed parameters.

FIG. 5 is a schematic diagram for explaining a transfer process.

FIG. 6 is a schematic diagram for explaining a transfer + fund transfer contract conclusion process.

FIG. 7 is a schematic diagram for explaining an account authentication process.

FIG. 8 is a view for explaining generation of a “return session ID”;

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... Merchandise seller server system 2 ... User terminal 3 ... Internet bank server system 4 ... Payment processing system 5 ... Bank account system 6 ... Merchandise order reception part 7 ... Payment commodity selection part 8 ... Payment parameter transmission part 9 ... Processing execution Completed parameter receiving unit 10 ... Clearing processing unit 11 ... Commodity sending instruction unit 12 ... Payment parameter receiving unit 13 ... Processing sequence control unit 14 ... User login processing unit 15 ... Instruction input interface generation / presentation unit 16 ... Payment processing unit 17: Fund transfer contract processing unit 18: Processed parameter transmission unit 19: First parameter input unit generation unit 20: Second parameter input unit generation unit 21: Withdrawal account information acquisition unit 22: Deposit account information acquisition unit 23 ... Transfer instruction data generator 24 ... Processed parameter generator 26 ... Company code 27 ... Company specific G 28 Session ID 29 Character string 30 Payment parameter 31 Processed parameter 32 Reconciliation table

──────────────────────────────────────────────────の Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 ZEC G06F 17/60 ZEC (72) Inventor Osamu Takenawa 2-1 Nishishinjuku, Shinjuku-ku, Tokyo -1 Inside Japan Net Bank, Ltd. (72) Inventor Shusuke Kita 2-1-1 Nishi Shinjuku, Shinjuku-ku, Tokyo Inside Japan Net Bank, Ltd.

Claims (20)

[Claims] 1. A settlement method for allowing a user to settle a purchase price for a product through a terminal, comprising: (a) receiving predetermined parameters related to the product purchase from the product seller; b) generating and presenting an interface for inputting a payment instruction from the user based on the received parameters; and (c) receiving an instruction for payment from the user through the interface. Based on the step of performing the payment processing of the product purchase price and (d) the completion of the payment processing,
Transmitting the parameter related to the executed payment to the merchandise seller. 2. The settlement method according to claim 1, wherein in the step (b), the step (e) is required for settlement and received from the commodity seller according to a type of a parameter received from the commodity seller. Generating an input for a missing parameter as the interface. 3. The settlement method according to claim 2, wherein in the step (e), when a parameter necessary for log-in is not included in parameters received from the merchandise seller, the parameter is included. Generating an input for a missing parameter as the interface. 4. The settlement method according to claim 2, wherein, in the step (e), if the amount to be settled is not included in the parameter received from the merchandise seller, the step (e) is performed. A step of generating an input unit of the above as the interface. 5. The settlement method according to claim 1, wherein the step (c) generates an instruction to transfer the settlement price from the account of the user to the account of the merchandise seller. Characteristic settlement method. 6. The settlement system according to claim 5, wherein the step (c) authenticates the user and obtains withdrawal account information of the user based on a result of the authentication. Generating a transfer instruction based on the user's withdrawal account information and the previously stored merchandise seller's deposit account information. 7. The settlement method according to claim 1, wherein the parameter received from the product seller includes at least a product seller ID for specifying the product seller.
And a session ID for identifying the user's transaction
And a settlement method comprising: 8. The settlement method according to claim 7, wherein the parameter related to the executed settlement transmitted to the merchandise seller includes at least the session ID and information generated by a predetermined logic from the session ID. A settlement method characterized by being performed. 9. A settlement method for a user to perform a fund transfer contract process of a purchase price of a product through a terminal,
(A) receiving predetermined parameters related to the product purchase from the product seller; and (b ′) generating an interface for inputting a debit contract processing instruction from the user based on the received parameters. And (c ′) executing the fund transfer contract processing of the commodity purchase price based on receiving the fund transfer contract processing instruction from the user through the interface. (D ′) Transmitting a parameter relating to the executed process to the merchandise seller based on the completion of the execution of the fund transfer contract process. 10. A settlement method for a user to perform a fund transfer contract process of a purchase price of a product through a terminal,
(A) receiving predetermined parameters related to the product purchase from the product seller; and (a ″) determining whether to perform settlement, fund transfer contract, or both based on the received parameters. , (D ″) the settlement,
Transmitting a parameter relating to the executed process to the merchandise seller based on completion of execution of one or both of the fund transfer contracts. 11. A settlement system for allowing a user to settle the purchase price of a product through a terminal, wherein the parameter receiving means receives predetermined parameters related to the product purchase from the product seller. A payment instruction input interface presenting means for generating and presenting a payment instruction input interface for the user based on the parameter; and a payment processing of the product purchase price based on receiving a payment instruction from the user through the interface. And a parameter transmitting means for transmitting parameters related to the executed payment to the merchandise seller based on the completion of the execution of the payment processing. 12. The settlement system according to claim 11, wherein the settlement instruction input interface presenting means is required for settlement and is not received from the commodity seller according to a type of a parameter received from the commodity seller. The payment system further comprising an input unit generating means for generating an input unit for the parameter in the interface. 13. The settlement system according to claim 12, wherein the settlement instruction input interface presenting means is provided when the parameter received from the merchandise seller does not include a parameter necessary for log-in. A payment system comprising an input unit generating means for generating, as the interface, an input unit for a parameter that has not been entered. 14. The settlement method according to claim 12, wherein the settlement instruction input interface presenting means, if the amount to be settled is not included in the parameters received from the merchandise seller, the settlement amount A payment system comprising an input unit generating means for generating an input unit for use as the interface. 15. The settlement system according to claim 11, wherein the settlement processing execution means generates an instruction to transfer the settlement price from the user's account to the merchandise seller's account. And payment system. 16. The settlement system according to claim 15, wherein the settlement processing execution means authenticates the user and obtains account information of the user based on the authentication result. Acquisition means, and payment account information acquisition means for generating the transfer instruction based on the payment account information of the user and the payment account information of the merchandise seller stored in advance. Payment system. 17. The settlement system according to claim 11, wherein the parameter received from the product seller includes at least a product seller ID for specifying the product seller.
And a session ID for identifying the user's transaction
And a payment system. 18. The settlement system according to claim 17, wherein the parameter related to the executed settlement transmitted to the merchandise seller includes at least the session ID and information generated by a predetermined logic from the session ID. Payment system characterized by being performed. 19. A settlement system for allowing a user to perform a fund transfer contract process for a purchase price of a product through a terminal, wherein the parameter receiving means receives predetermined parameters related to the product purchase from the product seller. A payment instruction input interface presenting means for generating and presenting an interface for inputting a fund transfer contract processing instruction from the user based on the received parameters; and transmitting the fund transfer contract processing instruction from the user through the interface. A settlement processing execution means for executing a fund transfer contract process of the product purchase price based on the received information; and A payment system for transmitting parameters. 20. A settlement system for allowing a user to perform a fund transfer contract process for a purchase price of a product through a terminal, comprising: parameter receiving means for receiving predetermined parameters related to the product purchase from the product seller. Based on the received parameters, processing sequence determination means to determine whether to make a settlement, a fund transfer contract or both, the settlement, based on the completion of the execution of one or both of the fund transfer contract, A payment system for transmitting parameters related to the executed process to the merchandise seller.