JP2003067661A - Recovery agent system for small amount settlement using point purchase service system - Google Patents

Recovery agent system for small amount settlement using point purchase service system

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Publication number
JP2003067661A
JP2003067661A JP2001254370A JP2001254370A JP2003067661A JP 2003067661 A JP2003067661 A JP 2003067661A JP 2001254370 A JP2001254370 A JP 2001254370A JP 2001254370 A JP2001254370 A JP 2001254370A JP 2003067661 A JP2003067661 A JP 2003067661A
Authority
JP
Japan
Prior art keywords
user
amount
payment
information
settlement
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
JP2001254370A
Other languages
Japanese (ja)
Inventor
Satoru Nakamura
悟 中村
Original Assignee
Satoru Nakamura
悟 中村
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Satoru Nakamura, 悟 中村 filed Critical Satoru Nakamura
Priority to JP2001254370A priority Critical patent/JP2003067661A/en
Publication of JP2003067661A publication Critical patent/JP2003067661A/en
Application status is Pending legal-status Critical

Links

Abstract

(57) [Summary] (Modifications required) [Problem] To provide a small payment / collection agency system that can be completed on-line, can easily perform small payment, and can be used in common on any WEB site. SOLUTION: A point issuing means for issuing points to an accessed user, a user point information storage means for storing information about the user, the amount of purchase of the points and its settlement information, and point balance information, and each WEB.
A point for receiving payment request data to perform payment of a user using a server, extracting WEB operator information, user information, and payment amount data, and updating data in a corresponding user point information storage unit. Settlement means, the point settlement means performs settlement from the point balance,
A payment amount collection agent means for performing payment and settlement processing of a predetermined percentage of the amount to a corresponding web server operator;
A fee amount settlement means for performing a fee payment settlement process with respect to a cooperating communication company system;

Description

Description: BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a portable telephone
Purchase points using the Internet from such as,
Using this, billing at other affiliated WEB sites
It can be used for processing, and other web site operators can
Use prepaid points to collect payments made
The present invention relates to a collection agency system that can be carried out. 2. Description of the Related Art Conventionally, accounting processing using the Internet has been known.
In credit card payments and cash payments.
Indeed, decisions using prepaid cards, electronic money, etc.
Methods have been developed. Also, prepaid cards
And points that can be converted to money
Various point systems can be developed
Have been. [0003] For example, technology in such a field is
Japanese Patent Application Laid-Open No. 2001-117984, "Electronic Payment System
". This is because the WWW server
Accept order data including order details and mobile phone number,
Inquiry about order contents, amount and approval of order
Create the order confirmation data including the fake statement as character data,
Sent to the mobile phone company along with the mobile phone number through the communication line
I believe. The mobile phone company uses the control means to confirm the order
From the telephone exchange means according to the instruction of the control means.
Dial the customer's mobile phone and check the order confirmation data
Data into speech by means of synthesized speech
Send through the line. Once the order is approved, the fee will be settled
By means of the customer's mobile phone fee, the price of the order content
In addition, the point system described above is an example.
For example, Japanese Patent Application Laid-Open No. 2001-101533, "User Authentication Point"
And a writing system. Oh
In e-commerce on the open network, payment machines
Certificate that provides authentication information to legitimate users
Means for issuing a certificate and the issued digital certificate unit
How to open a point account
Issue points for the settlement amount by the settlement institution
Point issuing means and an electronic store with a contract with the above settlement institution
The user is correctly identified by presenting a digital certificate when using
According to the balance of the corresponding point account of the user
Point manager who manages points that can receive discounts
And a user authentication point system comprising: [0005] Incidentally, the above-mentioned Japanese Patent Application Laid-Open
As shown in FIG.
If a mobile phone company is directly involved,
Perform billing and payment processing for users in connection with billing of credit costs
Therefore, no serious problem has occurred. For example, NT
I-mode (TM) service provided by T-DOCOMO (TM)
In the case of the "official site". By the way, mobile
There is no direct connection with telecommunications companies such as telephone companies
So-called “unofficial websites” that open and operate
Can handle such billing and payment processing.
And it is necessary to set up own billing and settlement means
Inconvenience has occurred. On the other hand, these sites are popular
There are many things, the number of which is huge, billing and settlement independently
The fact that measures must be taken
Even that would be inconvenient. [0006] Independently adopt credit card and other payment
If used, especially for small payments
Commissions for large and small websites
Employers are not allowed to join credit card payments,
Costs, labor, membership conditions, etc.
There are disadvantages. On the other hand, prepaid electronic money
In stores such as convenience stores
Or the inconvenience of purchasing
Money that is an electronic money issuer such as 01-101533
Costs and hassle in terms of joining a financial company and handling fees
-There are difficulties in terms of membership conditions and other aspects. Therefore,
It is completed online, and you can easily make small payments,
Small payments that can be used in common on any web site
There was no system for payment and collection. [0007] Therefore, the various problems described above have been solved and the present invention
In the Ming, complete online and feel free to make small payments
Not only can be used, but also
Providing a usable small payment and collection agency system
With the goal. Furthermore, to telecommunications companies such as mobile phone companies
By establishing a means of paying fees for
To facilitate the alliance and spread the system of the present invention
Easy to use on EB site and any user
It is also an object to provide a system that can be used. In addition, each WE
Use the web server sent from server B
To the payment request data for performing payment for
Contains information about the user, such as transmitted authentication information
In this way, the received payment request data and the user
User such as authentication information stored in the point information storage means
Points are determined by authentication processing that matches information
To prevent "spoofing" and other misconduct
Become. Means for Solving the Problems [0008] To solve the above problems,
Therefore, according to the first aspect of the present invention, the communication
Access from the communication terminal via the Internet,
A server system that performs information processing according to user operations
System that can be connected via the Internet.
Using multiple web servers and mobile phones
A telecommunications company system to enable connection to the Internet
It is provided that information processing is performed in cooperation with
The user system that has access to the
Issuing points to issue points in exchange for payment processing
The means and information for each user,
A point that stores the amount of points purchased and the settlement information
Use to store point purchase information and point balance information
Point information storage means and a linked web server
Web operator storage means for storing information about the operator
And use the web server from each web server
Payment request data to settle the
From the received payment request data, WEB operator information,
Extract user information and payment amount data, and
Data in the corresponding user point information storage means based on the data
Point settlement means for updating stored data and users
Point balance information stored in the point information means,
Included in payment request data received from WEB server
The point settlement means is compared with the settlement amount data.
If you have settled from the point balance, the settlement amount
The amount indicated by the data or a predetermined percentage of the amount
From the server system to the corresponding web server operator
Payment amount collection agency means for performing payment settlement processing,
Amount of points purchased by the user, or settlement amount data
Link the amount indicated by the data or a specified percentage of the amount
Perform commission payment settlement processing for the communication company system
Collection, characterized by comprising commission amount settlement means
It is a proxy system. [0009] In order to solve the above-mentioned problems, a second aspect of the present invention is provided.
In the invention described in (1), the invention according to claim 1 is used.
The user needs to make a payment on one of the web servers.
When making a request, the user point information storage
Enter and send user-related information such as authentication information
To make a payment request, and sent from each WEB server.
To settle the user using the web server
Information entered and transmitted in the payment request data for
By including information about the users of the server
In the system, the received payment request data and the user
Use of authentication information stored in point information storage means
Authentication process by collating information about
The point payment means described above records user point information.
To update the data stored in the storage means.
The collection agency system according to claim 1, wherein
It is characterized by: [0010] In order to solve the above-mentioned problems, a third aspect of the present invention is provided.
In the invention described in (2), the invention according to claim 2
The user needs to make a payment on one of the web servers.
When making a request, the user point information storage
Enter and send user-related information such as authentication information
In the process of making a payment request
Input of information about users is provided on a communication terminal such as a mobile phone.
Memory, IC card, and other storage media
For reading information about the user, such as authentication information
3. The method according to claim 1, wherein
It is a collection agency system described in
You. According to another aspect of the present invention, there is provided a semiconductor device comprising:
In the invention described in (1), the invention described in claims (1) to (3)
In this case, the payment amount collecting agent means may settle the payment amount data.
The amount indicated by the data or a specified percentage of the amount
From the bar system to the corresponding web server operator
The process of performing the payment settlement process includes a plurality of processes in a predetermined period.
About multiple payment processes including payment amount data of users
The payment settlement process of
The collection agency system according to any one of claims 1 to 3.
It is characterized by being. According to another aspect of the present invention, there is provided a semiconductor device comprising:
In the invention described in the above, the invention described in the claims 1 to 4
In the above, the fee amount settlement means is such that the user
Or the amount indicated by the settlement amount data
A predetermined percentage of the amount is transferred to the associated telecommunications
The process for performing commission payment settlement processing for the system
In point purchase amount or settlement amount of multiple users in
Settlement payment processing for amount data for a predetermined period
The method according to any one of claims 1 to 4, characterized in that it is carried out every time
It is a collection agency system described in
You. BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram showing an embodiment of the present invention;
An embodiment will be described. FIG. 1 shows the system of the present invention.
FIG. 1 is a system configuration diagram showing a basic configuration of FIG. Of the present invention
Collection agency system Internet access from communication terminals such as mobile phones
Is accessed via the Internet, and information is
Server system where information processing is performed.
A plurality of web servers provided so as to be connectable via a net
Connectable to the Internet using a bar and mobile phone
Information processing in cooperation with the telecommunications company system
It is prepared to be done. The telecommunications company system
WEB server provided by telecommunications companies such as mobile phone companies
Security, gateway system and other systems
You. A plurality of web servers that cooperate with the system of the present invention
Is an Internet service provider's web service
Establish and operate a web site for bars, rentals, etc.
Includes WEB server provided to those who do. WEB
The contents of the site are sales of products and services, contents
And sales of data, etc., and other various contents.
And anything that generates a charge. To connect to the server system of the present invention
User terminals mainly connect to the Internet, etc.
Including mobile phones equipped with a connectable browser function
Wireless communication terminals and portable information terminals are assumed. That
Others, such as personal computers and workstations
Computer terminals, Internet TVs, game consoles
Devices, video conferencing systems, and other network-connected devices
Includes an appendix that includes devices such as home appliances with functions. User terminal
Means control means, storage means, input means, output means, display means
It has steps and the like. In addition, the Internet
Computer network and send and receive data
Features, such as browsers and email software
Application programs and operating systems
It is a usual form to have a system (OS). Next, the server system 1 of the present invention
Usually application server, database server
ー, authentication server, web server, etc. as required
It is composed of a mail server and other various devices.
Each of these servers is physically located on the same device.
Form, physically consisting of multiple devices, or
Physically multiple devices connected via a network
Functionally similar functions are realized, including
Include various forms. The server system of the present invention
Storage means, control means, input means, output
Means, display means, and the like. CPU, RAM, R
OM and other control means for the system
Data transmission / reception for transmitting / receiving data to / from a computer
By request from client computer
Search means for searching data on the database
Storage means such as HDD to save data, output data
Output means, server computer and database
CRT and liquid crystal display required for maintenance, etc.
Display means such as a, input means such as a keyboard, etc.
Is configured. The above-mentioned server system has accessed
User issues points in exchange for payment processing by money
It has a point issuing means to execute. Point issuer
Dan can be converted to prepaid money from the user terminal
For receiving purchase request data for purchasing functional points
And user name, e-mail address, payment method, etc.
Receiving and extracting information about users, user points
Means for storing in information storage means and included in purchase request data
The purchase price to be used and store it in the user point information storage
The storage means and the purchase price included in the purchase request data
Issue point data that can be used as points
Means to store in the user point information storage means
When using points as necessary, please use each web site
ID and password for user authentication
Issue authentication information and store it in the user point information storage unit.
Means for storing and transmitting to the user terminal.
You. Next, the server system is used for each user.
In addition, information about the user, the user purchased points
Point purchase information that stores the amount and its settlement information, and
User point information storage that stores point and point balance information
Means. Name, date of birth, age, email
Authentication of personal information such as addresses, IDs, passwords, etc.
Certificate information and other data for storing the above information.
Storage means such as a database server. Purchase points
Information, point usage information, point balance information, etc.
You can purchase additional points,
Each time you use a client, data is stored and stored,
Be updated. Next, the server system is used for each WEB site.
Web server operators who set up and operate web sites and cooperate
With web operator storage means for storing information about
I have. The system of the present invention can browse web sites
W that establishes and operates a WEB site for terminals such as mobile phones
EB server operator (Internet service provider)
Ider web server users and web servers
Including those who set up and operate WEB sites by rental etc.
) To provide charging means (especially small billing)
It is. Collection of system usage fee of the present invention and cooperation
Data management and various communications regarding web server operators
In order to carry out, etc.,
Name, date of birth, age, email address, etc.
Authentication information such as personal information, ID, password, etc.
A database server for storing and managing other information
Which storage means. Next, the system of the present invention
Content data and programs to access
It has a web server for storing. Web server
HTML data is stored in the content data stored in
Data displayed on the web, such as files and XML files
Web sites such as files and C-HTML files
Data files displayed on mobile phones that can access
And so on. Also inserted into these files
Character data files that are displayed or output as
Audio data files, image data files, moving image data
Data file, animation data file, etc.
Various content data can be stored. Con
The content of tents is an entry for the user to purchase points.
Power / transmission form, point purchase / use / charge, etc.
A description of the system and other things. [0020] The program stored in the web server
Responds to a search request from the user terminal
A program to search and extract data stored in
HTML file that can display the extracted data on WEB
Files generated as files, etc., transmitted from user terminals
The data of the purchased application etc. is stored in a database etc.
Programs and input means connected to the server system
And data input and output via computer networks
Program to send / receive / store data, etc.
A program for sending e-mail from a file,
Other programs can be included. Next, the server system includes the system of the present invention.
From a plurality of web servers linked to the system,
Payment to make payment for users using EB server
Receiving the request data, and from the received payment request data,
Extract web operator information, user information and payment amount data
User points based on the extracted and extracted data
For updating data stored in the remote information storage means
It has payment means. In the payment request data received
Is the data from which web site to work with,
ID and other information about the user, purchase price, and purchased items
Eye, due date and time limit, and other data. Next, the server system includes a user
Point balance information stored in the point information means and each WEB
Settlement money included in the settlement request data received from the server
The point payment means collates with the amount data and
If you settled from the account balance, the settlement amount data
The amount indicated by the above or a predetermined percentage of the amount
-Support from the system to the corresponding WEB server operator
A payment amount collection agency means for performing payment settlement processing is provided.
For example, a user purchases a 10,000 yen item and decides
If the paid amount is 10,000 yen, calculate the prescribed ratio
Take out the calculated 8500 yen, for example, and send it to the server system.
Payment processing to the corresponding WEB server operator from the system
It is to do the processing. Specifically, the calculated amount is shown.
Data in the web operator information storage means,
Calculate the total amount, such as every month, and record the amount to be paid
Hands for storing data and programs for memory management
It is a step. Next, the server system includes the user
Is the amount that the point was purchased, or the settlement amount data indicates
The amount of money or a predetermined percentage of the amount of money
Commission money for commission payment settlement processing to the company system
It is equipped with an amount settlement means. For example, a thing of 10,000 yen (also
Is purchased by the user, and the payment amount of the user is 1
If it is 0000 yen, calculate a predetermined ratio and calculate
For example, 500 yen from the server system
Is to perform commission payment settlement processing for
You. Specifically, data indicating the calculated fee amount is
Remember, calculate the total amount of money for each month, etc.
For storing and managing the amount to be paid to
Means for storing data and programs. Hereinafter, the basic processing flow of the present invention will be described.
Will be explained. 2 to 6 show basic processing of the present invention.
It is a flowchart which shows an example of a flow. Shown here
The process flow is an example and is not limited to this.
There is no. First, with reference to FIG.
The process of purchasing a client is described. Connect to the Internet from the user terminal
(S100), input the URL or other method,
Ming's server system (web for point purchase sites, etc.)
(S101). Point purchase
When the input menu is selected (S102), the input / send
Is transmitted to the user terminal and displayed.
Is displayed (S103). For user terminals, the user
User name, email address, payment method, etc.
Information to be input (S104) and transmitted. Sent
The data is received and received at the server system (S10).
5) Store the received user information in the user point information storage
The data is stored in the row (S106). User ID and password
Issue authentication information and store it in the user point information storage unit.
It is stored and transmitted to the user terminal (S107). Next, at the user terminal, the point purchase
Enter purchase request data such as the deposit amount (S108),
To the server system. The transmitted data is
It is received by the bar system (S109). In addition,
Payment for point purchase includes credit card payment and cash settlement.
Payment, e-money payment, and other various methods
it can. In addition, in response to a point purchase request,
Users can be checked by referring to the completed history, etc.
it can. Next, point data is issued and the issued points are
User point information storage means by adding point data
The user updates the storage and balance (S110), and the user points
(S111). With the above
The point issue process is completed and the updated point balance data
To the user terminal to notify the user terminal (S11
2). Next, referring to FIG. 3 and FIG.
When making a payment request on one of the web servers
The authentication information stored in the user point information storage means.
Enter and send information about the user, such as identification information, and settle
A process for making a request will be described. In from user terminal
Internet connection (S200) and the system of the present invention
Access one of the linked web servers (S
201). Work with the system of the present invention as described above
A plurality of web servers are Internet Service Pro
WE by the web server of the buyer, rental, etc.
Web service provided to those who set up and operate the B site
Includes The contents of the website are products and services
, Sales of contents and data, etc.
Content that can be
Can be included. The user can perform browsing processing, search processing, and the like.
Togashika (S202), product purchase / service purchase / use
Select the charging menu when using the charging menu such as
Then, the process proceeds to purchase / use application processing (S203). WEB support
Depending on the site, various billing methods may be adopted
Therefore, the system of the present invention (point billing and collection fee)
When not using (line) (S204), another billing process is performed.
Proceed to. When using the system of the present invention, input and
When a transmission form or the like is displayed on the user terminal (S20
5) Perform the following processing. Authentication information such as a user ID is stored in a user terminal.
(S206) and send to affiliated WEB site
Received by the affiliated WEB server (S20).
7) is stored. Next, at the affiliated web server
Is the user's authentication information, purchase price and other payment request data
Data is extracted and transmitted to the server system of the present invention (S2).
08), The transmitted data is stored in the server system.
It is received (S209). Sent from each web server
Payment of the user using the WEB server
Authentication information entered / sent to payment request data for
By including information about which users, the server
-In the system, the received payment request data and
Such as authentication information stored in the user point information storage means.
Authentication processing by collating with information about the user
The point payment means described above records user point information.
A process for updating data stored in the storage unit is performed. The authentication information transmitted from the user terminal
Information about users such as mobile phones
Memory, IC card, and other storage media provided in the terminal
Read information about the user such as authentication information stored in the body
It may be a process to run out. For example, mobile phone memory
Which hardware stores the authentication information
The above process can be performed without the user inputting authentication information.
Done. Next, in the server system,
The authentication information (ID
Etc.) to extract the data of the corresponding user (S21)
0). The user point information stored in the user point information storage means.
The point balance of the applicable user is sufficient for the purchase price
The point payment means determines whether or not this is the case (S212).
If it is not enough, we will partner with unpaid data
The data is transmitted to the EB server (S213), and the affiliated Web server is transmitted.
Server (or the server system of the present invention)
Finally, it is transmitted (S214). If settlement is possible,
Data that can be processed to the affiliated WEB server
(S215). In the affiliated WEB server, purchase
After confirmation of the entered item, purchase price, etc. (S216), O
If it is K, a web service that officially associates payment request data
The data is transmitted from the bar to the server system (S217). Sending
The transmitted data is received at the server system.
(S218) Record payment request data in user point information
And the balance of the points is updated when the payment is completed.
(S219). Storage tube in user point information storage means
Data such as payment amount to be processed is sent to affiliated WEB server
For payment and settlement of commissions
You can. Associate updated point balance data
Sent to the WEB server (S220) and affiliated WEB
User from server (or server system of the present invention)
The data is transmitted to the terminal (S221). The updated points
The balance data is notified to the affiliated web server.
It is not necessary. Next, with reference to FIG.
The transfer agent means the amount indicated by the settlement amount data or the amount
A certain percentage of the applicable amount from the server system
To process payment settlement processing for WEB server operator
explain about. Here, a plurality of
About multiple payment processes including payment amount data of users
Of the payment settlement process of every predetermined period as an example
explain. Until the specified period elapses, the payment request data
Store in the user point information storage means, and store the point balance
The process of updating (S219) is repeated. For multiple users
A similar process is performed. For multiple users,
Use payment request data from multiple affiliated web sites
This is a process of storing in the user point information storage means (S3
00). Next, when a predetermined period has elapsed, a plurality of
In the user point information storage means for the user of
Collected payment amount data is collected by the agency
Aggregation is performed for each site (S301). Aggregated data
The data is stored in the web operator information storage means. Then
The amount indicated by the settlement amount data or a specified percentage of the amount
The amount is calculated (S302), and the calculated amount is transferred to the web site.
It is stored in the operator information storage means (S303). Remembered
Based on the amount indicated by the data, each web site is actually operated
Payment is made to the person, but in what form
It may be. For example, after getting the full amount by the web operator
Then, cash back to the system administrator side of the present invention
Or the like. The calculated data is
Sent to each WEB server involved (S304) and notified
Is performed. Next, referring to FIG.
The payment method is the amount by which the user purchased the points
Amount indicated by the amount-paid amount data or a predetermined percentage of the amount
Settlement amount for commission payment to the associated telecommunications company system
The processing for performing the processing will be described. Here, the predetermined period
In point purchase amount or settlement amount of multiple users in
Settlement of commission payment for amount data
Will be described. Until the specified period elapses
Record the payment request data in the user point information storage
The process of updating the point balance (S219) is repeated.
return. Similar processing is performed for a plurality of users. Duplicate
Multiple partner web sites for a number of users
The payment request data in the user point information storage means.
This is a process to remember (S400). When a predetermined period has elapsed, a plurality of usages
For the user, stored in the user point information storage means
The collection agency collects the payment amount data for each communication company.
It is measured (S401). The communication company may be alone
No. For example, i-mode (trademark) of NTT DOCOMO (trademark)
For example, if you pay a commission as an official website.
Or a system that can be used universally by multiple
It may be a stem. The amount indicated by the settlement amount data or
A predetermined percentage of the amount is calculated (S402).
The issued amount is stored in the commission amount settlement means (S40)
3). The calculated data is sent to each communication company system
(S404), and a notification is made. Stored data
Payment to each telecommunications company based on the amount indicated by
However, the payment method may be in any form. As described in detail above, according to the present invention,
If it is completed online, you can easily make small payments
Both can be used in common on any web site
We can provide a small payment and collection agency system
You. In addition, fees are paid to telecommunications companies such as mobile phone companies.
Providing a means of payment allows tie-ups with telecommunications companies
To facilitate and spread the system of the present invention, the website
But any user can use it easily
Can be provided. Also sent from each web server
Reliable payment of the user using the web server
Authentication information entered and transmitted in the payment request data for
Information about the user, such as information,
Payment request data received and user point information storage
Information about the user such as authentication information stored in the
By performing the authentication process for collation, the "spoofing"
And other misconduct can be prevented.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a system configuration diagram showing a basic configuration of the present invention. FIG. 2 is a flowchart illustrating an example of a basic processing flow of the present invention. FIG. 3 is a flowchart illustrating an example of a basic processing flow of the present invention. FIG. 4 is a flowchart showing an example of a basic processing flow of the present invention. FIG. 5 is a flowchart illustrating an example of a basic processing flow of the present invention. FIG. 6 is a flowchart illustrating an example of a basic processing flow of the present invention.

Claims (1)

  1. Claims 1. A server system in which an access is made from a communication terminal such as a mobile phone via the Internet and information processing is performed by a user's operation, the server system being connectable via the Internet. A plurality of WEB servers are provided so that information processing is performed in cooperation with a communication company system for enabling connection to the Internet using a mobile phone or the like. Points issuance means for issuing points in exchange for payment by money, and for each user,
    User point information storage means for storing information on the user, point purchase information for storing the amount of purchase of the points by the user and the settlement information thereof, and point balance information, and information on the operator of the web server to be linked with. Receiving payment request data from each WEB server for performing payment of a user using the WEB server, and executing WEB operator information and user information from the received payment request data. Point payment means for extracting payment amount data and updating data stored in the corresponding user point information storage means based on the extracted data; point balance information stored in the user point information means; The data is compared with the payment amount data included in the payment request data received from the web server, and If the settlement means has settled from the point balance, the amount indicated by the settlement amount data or a predetermined percentage of the amount is settled by the server system to the corresponding WEB server operator for settlement. The collection agency means and the fee amount settlement for executing the fee payment settlement processing to the associated communication company system with the amount purchased by the user, the amount indicated by the settlement amount data or the amount of the predetermined ratio of the amount. And a collecting means. 2. The information on the user such as authentication information stored in the user point information storage means when the user makes a settlement request in any one of the web servers. Is input and transmitted to make a settlement request, and the W is transmitted from each WEB server.
    Since the payment request data for performing the payment of the user using the EB server includes information about the user such as the authentication information input and transmitted, the payment request data received by the server system and the user points Through an authentication process by collating with information about the user such as authentication information stored in the information storage unit, the point settlement unit performs a process of updating data stored in the user point information storage unit. Characterized by the fact that
    The collection agency system according to claim 1. 3. The information on the user such as authentication information stored in the user point information storage means when the user makes a settlement request in any one of the web servers. In the process of inputting / transmitting and transmitting a settlement request, input of information about the user such as authentication information includes authentication information stored in a memory, an IC card, and other storage media provided in a communication terminal such as a mobile phone. The collection agency system according to claim 1, wherein the system is a process of reading information about a user of the collection. 4. The invention according to claim 1, wherein said payment amount collecting agent means transfers the amount indicated by the payment amount data or a predetermined amount of the amount from the server system to a corresponding WEB server operation. 2. The process of performing payment settlement processing for a user, wherein payment settlement processing for a plurality of settlement processes including settlement amount data of a plurality of users in a predetermined period is performed every predetermined period. 4. The collection agency system according to any one of claims 1 to 3. 5. The invention as set forth in claim 1, wherein said fee amount settlement means determines the amount of the point purchased by the user, the amount indicated by the settlement amount data, or an amount of a predetermined percentage of the amount. , The process of performing commission payment settlement processing to the cooperating telecommunications company system,
    The collection agency system according to any one of claims 1 to 4, wherein a fee payment settlement process for the point purchase amount or settlement amount data of a plurality of users is performed every predetermined period.
JP2001254370A 2001-08-24 2001-08-24 Recovery agent system for small amount settlement using point purchase service system Pending JP2003067661A (en)

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