JP2003016359A - Network dealing system, management server of the same system, management program thereof, and network dealing method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To lighten the burden on a service provider and a user by completing a series of processes from the confirmation of bill contents to the settlement on a network only through operations on a user terminal. SOLUTION: The service provider 1 uploads a detailed bill to a network dealing management server 40, which then distributes electronic mail for data confirmation to the user terminal 20. According to URL, the service user 2 confirms the bill contents by accessing the network dealing management server 40 and sends a settlement request to the network dealing management server 40; and the network dealing management server 40 having received the settlement request inquires the balance of the service user of a financial institution 3, performs settlement when the balance is sufficient, and sends a settlement completion report to the user terminal 20, but does not perform settlement and issues a balance deficiency report when not.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an online transaction system and a management server in the same system which can complete a series of processes from confirmation of bill contents to settlement by a user's operation of a terminal. , Its management program, and online trading method.

[0002] Mobile phone charges are often due to automatic account withdrawal, automatic transfer, and credit card payment because payment is convenient, but there are people who do not. For example, a person who does not have a sufficient balance in their bank account cannot set up automatic withdrawal or automatic transfer. In addition, junior and senior high school students who do not have a credit card cannot make payment with a credit card. Such a user usually pays the usage fee according to the following flow. That is, the user transfers or pays the usage fee based on the invoice issued by the mobile phone carrier, whereby the settlement between the financial institution and the carrier is made.

[0003]

However, according to the flow described above, (1) the telecommunications carrier needs to issue a bill, which has a cost for it, and the user has (2) It takes time and effort to bring a bill received from a telecommunications carrier to a financial institution and make a payment. In order to solve (1), as disclosed in Japanese Patent Laid-Open No. 10-154110, there is a method of delivering an electronic bill to users via the Internet. It does not include.

In order to solve (2), there is a method of making a transfer on the Internet, that is, using a so-called net bank, but even if the trouble of going to a financial institution is saved,
Transfer fees will be incurred. Furthermore, in order to solve this, there is a method of using an invoice that can be paid at a convenience store rather than at a financial institution, but the convenience for users is improved because it is closer to the financial institution and the business hours are longer. However, the user still has to go to the place.

The present invention has been made in view of the above circumstances, and a telecommunications carrier makes a bill by completing a series of processes from confirmation of bill contents to settlement by a user's operation of a terminal on the Internet. An online transaction system that does not require the cost of issuing a book, saves the user from having to go to a financial institution to pay, and does not increase the burden on the user, and a management server in the system, and The purpose is to provide the management program and online trading method.

[0006]

In order to solve the above problems, the present invention provides a computer installed in each of a service provider and a financial institution, and a user terminal owned by a service user via a communication network. And a service user terminal, which is a management server in an online transaction system connected to the service provider, for receiving, from a computer installed at the service provider, a service statement including a billing address to a service user including an account number. Based on the account number, confirmation message sending means for sending a message requesting confirmation of use of the billing statement to the destination, settlement request receiving means for receiving a settlement request after confirmation of use of the billing statement by the service user terminal, Check the balance of the service user who made the payment request to the computer of the financial institution, and Characterized in that a net transaction settlement means for performing net settlement process Im.

In the present invention, a message for confirming the billing details is sent by electronic mail, and a URL generating means for generating a reference destination server address for the service user and attaching it to the electronic mail is provided. Characterize.

Further, in the present invention, when there is a sufficient balance for a transaction as a result of the balance inquiry, a settlement completion notification is issued to the service user terminal after the settlement processing is performed, and when the balance is insufficient, the settlement completion notification is issued. It is characterized by further comprising a settlement notification issuing means for issuing the service user-required balance shortage notice without performing settlement processing.

In the above-mentioned configuration, as a service provider, for example, a management server is arranged between a communication carrier of a mobile phone and a computer or a terminal of each of a financial institution and a service user via a communication network. When the billing details are uploaded to the management server, for example, an electronic mail for data confirmation is delivered from the management server to the user terminal. At this time,
The e-mail contains the URL (Uniform Resou
rce Locator) is attached, and a user who receives this e-mail via a mobile phone terminal that can connect to the Internet, accesses the management server based on the URL, confirms the billing contents, and sends it to the management server. Make a payment request.

Upon receipt of the settlement request, the management server inquires of the financial institution about the balance of the service user, performs settlement processing if there is a balance, and sends a settlement completion notification to the mobile phone terminal. , Issue a balance shortage notification without performing settlement processing. Displaying these one by one on the screen of the mobile phone terminal facilitates user confirmation and settlement request. This eliminates the need for service providers to issue paper-based invoices, and allows service users to perform a series of processes from confirmation of bill contents to settlement by simply selecting the terminal. Becomes The computers provided by the service provider and the financial institution may be any of host computers, servers, and terminal devices, and any type of computer may be used as long as it is connected to a communication network such as the Internet and has a web creation function.

In order to solve the above problems, the present invention provides
A computer installed in a service provider and a financial institution, and a user terminal owned by a service user are management server programs used as a management server in a net transaction system connected via a communication network,
Receiving a billing statement addressed to a service user including an account number from a computer installed at the service provider; and sending a message requesting confirmation of a billing statement attached to a reference server address to the service user terminal Receiving a settlement request after confirming the billing details by the service user terminal based on the reference destination server address, and using the service for which the settlement request is made to the computer of the financial institution based on the account number. The step of performing a person's balance inquiry and making an online transaction settlement is executed by the computer.

Further, in the present invention, when there is a sufficient balance for a transaction as a result of the balance inquiry, a settlement completion notification is issued to the service user terminal after the settlement processing is performed, and if the balance is insufficient, the settlement completion notification is issued. It is characterized in that the computer is allowed to execute a step of issuing a balance shortage notification to the service user without performing settlement processing.

In order to solve the above-mentioned problems, in the net transaction system of the present invention, a computer installed in each of a service provider and a financial institution and a user terminal owned by a service user are connected via a communication network. Is
A billing statement addressed to a service user is received from a computer installed in the service provider, a billing statement confirmation request is sent to the service user terminal, and a settlement request is obtained after the billing statement is confirmed by the service user. , An online transaction management server that performs a transaction settlement process based on a result of a balance inquiry of a service user who has made the settlement request to a computer installed in the financial institution, and the service provider and the service user. Is performed in real time with the computer of the financial institution to mediate.

In order to solve the above problems, the present invention provides
A computer installed in a service provider and a financial institution, and a user terminal possessed by a service user are an online transaction method in a transaction system connected via a communication network. Upon receiving the billing details, the service user is requested to confirm the billing details attached to the reference destination server address, the billing details are browsed based on the server address, and after the billing details are confirmed by the service user, a settlement request is obtained. It is characterized in that the balance of the service user who has made the settlement request to the financial institution is inquired, and the net transaction settlement process is performed in real time.

[0015]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 is a diagram cited for explaining the relationship between a business model for realizing the net transaction method of the present invention and its use subject. In FIG. 1, reference numeral 1 is a telecommunications carrier as a service provider, and reference numeral 2 is a mobile phone terminal holder as a service user. Reference numeral 3 is a financial institution having a transaction account of the service user 2. Reference numeral 4 is an online transaction settlement intermediary that mediates settlement between the service provider 1 and the service user 2 via the financial institution 3.

The outline and data flow of the business model will be described with reference to FIG. First, the service provider 1
The billing statement data including the account number of the service user 2 is uploaded to the computer of the online transaction settlement intermediary company 4 (). The online transaction settlement intermediary 4 generates a bill, prompts the service user 2 to browse the bill, and issues a confirmation request (). Service user 2
Check the billing content by referring to the screen of the mobile phone terminal that can be connected to the Internet, and operate the mobile phone terminal to issue a settlement request (). Upon receiving the settlement request, the online transaction settlement intermediary 4 makes an inquiry to the financial institution 3 about the balance of the service user 2 based on the previous account number (), and if there is a balance, generates settlement data to generate the financial institution. Settlement processing is performed with (3). Then, it issues a settlement completion notice or a balance shortage notice to the service user 2 ().

FIG. 2 is a diagram cited for explaining the system configuration of the net transaction system of the present invention. In FIG. 2, reference numerals 10 and 30 denote computers installed in the service provider 1 and the financial institution 3, respectively, and a user terminal 20 possessed by the service user 2, here, a mobile phone capable of connecting to the Internet, PDA (Personal Digital
Assistants) are connected via a communication network 50 such as the Internet. Reference numeral 40 is an internet transaction management server installed by the internet transaction settlement broker 4.
The computers 10 and 30 may be any of a host computer, a server, and a terminal device, are connected to a communication network 50 such as the Internet, and if the computer has a web creating function, the type does not matter. To call.

The net transaction management server 40 performs real-time net transaction settlement with the computer 30 of the financial institution 3 via the service provider 1 and the service user 2. Specifically, the bill details addressed to the service user are received from the computer 10 installed in the service provider 1, the bill details are requested to the service user terminal 20, and the bill details are confirmed by the service user 2. Computer 3 installed in financial institution 3
The balance inquiry of the service user 2 who has made a settlement request to 0 is performed, and transaction settlement is performed based on the result. Details will be described later.

FIG. 3 is a block diagram showing the internal configuration of the net transaction management server shown in FIG. Each block shown below is specifically configured by a peripheral LSI including a CPU and a memory, and the CPU sequentially reads and executes a program recorded in the memory to realize the function of the block. . The net transaction management server 40 includes a billing statement reception unit 41, a URL generation unit 42, a confirmation message transmission unit 43, a settlement request reception unit 44, an online transaction settlement unit 45, and a settlement notification issuing unit 4.
6 and various DBs (databases) 47.

The bill detail receiving unit 41 is provided by the service provider 1.
It has a function of uploading and receiving the billing details including the account number addressed to the service user from the computer 10 installed in. Further, the confirmation message transmitting unit 43 has a function of transmitting a message requesting confirmation of use of billing details to the service user terminal 20. Here, when the message for confirming the billing details is sent by e-mail, it is assumed that the URL generation unit 42 generates a reference destination server address for the service user 2 and attaches it to the e-mail.

On the other hand, the settlement request receiving unit 44 has a function of receiving a settlement request after the service user confirms the use of the billing details via the user terminal 20, and the net transaction settlement unit 45 uses the previous account number. Based on this, the computer 30 of the financial institution 3 makes a balance inquiry of the service user 2 who has made a payment request, and has a function of performing net payment processing in real time. In addition, the settlement notification issuing unit 36 issues a settlement completion notification to the service user terminal 20 after performing settlement when there is a balance sufficient for the transaction as a result of the previous balance inquiry, and when there is a shortage, settlement is performed. Instead, the service user credit balance shortage notification shall be issued. In addition, various DB4
The personal information of the service user 2 for authentication and the like are stored in 7.

FIGS. 4 and 5 are views cited for explaining the operation of the embodiment of the present invention shown in FIGS. Figure 4
FIG. 4 is a diagram showing an operation sequence among the computer 10 of the service provider, the net transaction management server 40, the user terminal 30, and the computer 30 of the financial institution.

In FIG. 4, first, the service provider 1
The computer 10 installed uploads the billing data including the account and billing details via the communication network 50 and delivers the billing data to the online transaction management server 40 (step S101). Receiving this, the net transaction management server 40 creates a bill and makes a reference U to notify the service user 20 targeted for the bill by e-mail.
An RL is generated and attached to an e-mail for notification (step S401). Upon receiving the e-mail with the reference URL, the service user 2 receives the I
By inputting D and a password, the online transaction management server 40 according to the above URL is accessed to check his / her billing content through the screen of the user terminal 20 (step S40).
2, 403). Then, a settlement request is issued by operating the user terminal 20 (step S404).

Upon receiving the settlement request, the net transaction management server 40 inquires the computer 30 of the financial institution 3 about the balance of the target service user 2 based on the account number (step S405). Then, the balance result output is obtained (step S301), settlement data is generated when there is a balance, and settlement processing is performed with the computer 30 of the financial institution 3 (steps S406 / S30).
2). Next, the settlement completion notification or the balance shortage notification is issued to the user terminal 20 of the service user 2 (step S407).

FIG. 5 is a flow chart showing the processing procedure of the net transaction management program possessed by the net transaction management server. In FIG. 5, the online transaction management server 40
Is a billing specification receiving unit 4 which provides the billing details including the account of the service user 2 from the computer 10 of the service provider 1.
1 through step 1 (step S51). Then, an invoice is created, an e-mail with a reference URL attached to obtain confirmation of the service user is generated, and the e-mail is transmitted via the confirmation message transmission unit 43 (step S5).
2). The reference destination URL is announced by being created by the URL creating unit 42 for the individual service user and attached to the e-mail.

The service user 2 who has received this e-mail via the communication network 50 operates the user terminal 20 in his possession to access the net transaction management server 40 according to the above URL, and then the ID and the password. Is input to obtain authentication (steps S53 and S54). Authentication is performed by the net transaction management server 40 referring to various DBs 47. After obtaining the authentication, the service user 2 can confirm his / her billing content by looking at the screen of the user terminal 20, and confirm the billing content details here (step S56). If the billing contents can be confirmed, the service user operates the user terminal 20 to issue a settlement request (step S5).
7). The payment request is received by the payment request receiving unit 44 of the online transaction management server 40, and the subsequent payment process is performed.

Upon receiving the settlement request, the net transaction management server 40 generates settlement data (step S58) and sends the settlement data to the computer 30 of the financial institution 3 via the communication network 5.
The balance of the service user 2 having an account is inquired via 0 (step S59). As a result of the balance inquiry, if there is a sufficient balance for the transaction, the settlement process is performed with the computer 40 of the financial institution 4 (step S60), and then the settlement completion notification is issued to the user terminal 20 (step S6).
1), user terminal 2 without payment processing if there is a shortage
A balance shortage notification for 0 is issued (step S62). These payment notifications are issued by the payment notification issuing unit 46.

As described above, according to the present invention, the net transaction management server 40 is provided between the service provider 1 and the computers 10, 30 or terminals 20 of the financial institution 3 and the service user 2, respectively, via the communication network 50.
The service provider 1 arranges the online transaction management server 4
When the billing details are uploaded to 0, the electronic transaction management server 40 delivers, for example, an electronic mail for data confirmation to the user terminal 20. At this time,
The URL of the browsing reference destination is attached to the e-mail, and the service user 2 who has received this e-mail via the user terminal 20 accesses the net transaction management server 40 based on the URL and requests the contents of the bill. After confirming the above, the settlement request is made to the internet transaction management server 40, and the internet transaction management server which received the settlement request makes a balance inquiry of the service user 2 to the financial institution 3 and makes a settlement if there is a balance. Then, the settlement completion notice is transmitted to the user terminal 20, and if the settlement is insufficient, the settlement is not performed and the balance shortage notice is issued. By displaying them one by one on the screen of the user terminal 20, it becomes easy to confirm the user and issue the settlement request. In the above embodiment, the service provider is a telecommunications carrier, and only the example in which the service user pays the telephone usage fee of the mobile terminal held as the user terminal is shown, but the invention is not limited to the settlement of the telephone usage fee. The same can be applied to transaction settlement for any of online product sales, online advertising, online financial business, and content distribution.

Further, in the above-described embodiment of the present invention, the bill statement receiving unit 41, the URL generating unit 42, the confirmation message transmitting unit 43, the settlement request receiving unit 44, the net transaction settlement unit 45, and the settlement notification. The procedure executed by each of the issuing units 46 is recorded in a computer-readable recording medium, and the program recorded in this recording medium is read by the computer system constituting the net transaction management server 40 and executed to execute the above-mentioned processing. An online trading system is realized. The computer system mentioned here includes an OS and hardware such as peripheral devices.

The "computer system" is WW.
If the W system is used, the homepage providing environment (or display environment) is also included. The "computer-readable recording medium" means a flexible disk, a magneto-optical disk, a ROM, a CD-
A portable medium such as a ROM or a storage device such as a hard disk built in a computer system. Further, the "computer-readable recording medium" is a volatile memory (RAM) inside a computer system which is a system or a client when a program is transmitted via a network such as the Internet or a communication line such as a telephone line. In addition, those that hold the program for a certain period of time are also included.

Further, the above program may be transmitted from a computer system in which the program is stored in a storage device or the like to another computer system via a transmission medium or by a transmission wave in the transmission medium. Here, the "transmission medium" for transmitting the program refers to a medium having a function of transmitting information, such as a network (communication network) such as the Internet or a communication line (communication line) such as a telephone line. Further, the program may be a program for realizing some of the functions described above. further,
It may be a so-called difference file (difference program) that can realize the above-mentioned functions in combination with a program already recorded in the computer system.

Although the embodiment of the present invention has been described in detail above with reference to the drawings, the specific structure is not limited to this embodiment, and includes a design etc. within the scope not departing from the gist of the present invention. Be done.

[0033]

As described above, according to the present invention, a series of processes from confirmation of the billed amount to settlement can be realized on the net only by the user operating the user terminal.
To provide an online transaction system in which the service provider does not incur billing costs, saves the user from having to go to a financial institution to pay, and does not increase the burden on the user. You can The service user can complete the charge payment on the Internet simply by confirming the content of the bill and selecting whether or not to settle the payment. The burden on the service provider mutual payment request is greatly reduced.

[Brief description of drawings]

FIG. 1 is a diagram cited for explaining a relationship between a business model for realizing an online transaction settlement method according to the present invention and a user who uses the business model.

FIG. 2 is a diagram quoted for explaining the system configuration of the net transaction system of the present invention.

FIG. 3 is a block diagram showing the internal configuration of the online transaction management server shown in FIG. 2 with the functions expanded.

FIG. 4 is a diagram quoted for explaining the operation of the embodiment of the present invention, showing an operation sequence among the computer of the service provider, the net transaction management server, the user terminal, and the computer of the financial institution. It is a figure.

5 is a flowchart showing a processing procedure of a management server program possessed by the online transaction payment management server shown in FIG.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 ... Service provider, 2 ... Service user, 3 ... Financial institution, 4 ... Internet transaction settlement intermediary, 10 ... Service provider computer, 20 ... User terminal, 30 ... Financial institution computer, 40 ... Net transaction management server (Management server), 41 ... Billing details receiving unit, 42 ... URL generation unit, 4
3 ... confirmation message sending unit, 44 ... settlement request receiving unit, 4
5 ... Internet transaction settlement unit, 46 ... Settlement notification issuing unit, 47 ...
Various DB, 50 ... Communication network (Internet)

   ─────────────────────────────────────────────────── ─── Continued front page    (72) Inventor Tomohiko Yoshimura             1-5-1 Taito, Taito-ku, Tokyo Toppan stamp             Imprint Co., Ltd.

Claims (7)

[Claims] 1. An internet transaction management server in an internet transaction system in which a computer installed in each of a service provider and a financial institution and a user terminal possessed by a service user are connected via a communication network. From a computer installed in the service provider, a billing statement receiving means for receiving billing details including an account number for the service user, and a message for requesting confirmation of use of the billing statement to the service user terminal Confirmation message transmitting means, settlement request receiving means for receiving a settlement request after confirming the use of bill details by the service user terminal, and use of the service for which the settlement request is made in the computer of the financial institution based on the account number. Transactions that perform real-time online payment processing by inquiring the person's balance Management server in Internet trading system comprising: the already means. 2. A message for confirming the billing details is sent by electronic mail, and a URL generating means for generating a reference destination server address for the service user and attaching it to the electronic mail is provided. Item 1
Management server in the online transaction system described in. 3. As a result of the balance inquiry, if there is a sufficient balance for the transaction, the settlement processing is performed, and then a settlement completion notification is issued to the service user terminal. The management server in the online transaction system according to claim 1, further comprising a settlement notification issuing means for issuing a service user credit balance shortage notification. 4. A computer installed in a service provider and a financial institution, and a user terminal owned by a service user is a management server program used as a management server in an online transaction system connected via a communication network. And receiving a billing statement addressed to the service user including an account number from a computer installed at the service provider; and a message requesting confirmation of the billing statement attached to the reference destination server address to the service user terminal. Sending a payment request after confirming the billing details by the service user terminal based on the reference destination server address; and, based on the account number, the computer of the financial institution made the payment request. Performs online transactions in real time by checking the balance of service users A management server program in an online transaction system that causes a computer to execute a step of performing payment processing. 5. As a result of the balance inquiry, if there is a sufficient balance for a transaction, the settlement process is performed, and then a settlement completion notification is issued to the service user terminal, and if the balance is insufficient, the settlement process is performed. 5. The management server program in the net transaction system according to claim 4, wherein the computer is caused to execute the step of issuing a balance shortage notification to the service user. 6. A computer installed in each of a service provider and a financial institution and a user terminal owned by the service user are connected via a communication network, and the computer installed in the service provider uses the service. To the computer installed in the financial institution after receiving the billing details addressed to the person who made the payment, requesting the confirmation of the billing details to the service user terminal, and confirming the billing details by the service user. An online transaction management server that performs a balance inquiry of a service user who has made a settlement request and makes a transaction settlement based on the result is an intermediary between the service provider and the service user, between the computer of the financial institution. An online transaction system characterized by performing online transaction payment processing in real time. 7. A net transaction method in a transaction system in which a service provider, a computer installed in a financial institution, and a user terminal owned by the service user are connected via a communication network. Upon receiving the billing details addressed to the service user, the service user was requested to confirm the billing details attached to the reference destination server address, and the billing details were browsed based on the server address and confirmed by the service user. An online transaction method, wherein a post-settlement request is obtained, a balance of the service user who has made the settlement request is inquired to a financial institution, and an online transaction settlement process is performed in real time.