JP2003150874A - Settlement of account method of electronic commerce and settlement of account system thereof - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settlement of account method or a settlement of account system capable of selecting the settlement account method convenient for a user himself at a large number of electronic commerce sites. SOLUTION: The settlement of account method has a stage that a transaction information is received from a site of the electronic commerce and is recorded; a stage that a purchase user selects one settlement of account method among a plurality of settlement of account methods; a stage that a payment method of a price is sent to the purchase user based on a selection of the purchase user or the existence of a credit is inquired to a credit company to inform of an existence of the transaction of an interested party of the transaction or a purchase user accesses to a computer of a financial institution and information on the existence of settlement of account is received and inform an existence of the transaction of the interested party of the transaction; and a stage that information on money paid from the purchase user or the credit company or the financial institution to a collection account and is checked with the transaction information to transmit it to the electronic commerce site as information on receipt of money.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement method or a settlement system in electronic commerce, and more particularly to various settlement methods such as bank transfer, credit card settlement, convenience store storage agency, postal transfer, and internet banking. The present invention relates to a settlement method and system for electronic commerce that enables settlement through a common site and procedure.

[0002]

2. Description of the Related Art An electronic device that opens a site on the Internet, lists the products to be sold, and allows a person who browses the homepage of the site to purchase the products by performing a predetermined operation on his or her computer. Many commerce sites already exist.

In such an electronic commerce site, a settlement method is designated on the side of the electronic commerce site, and when making a settlement, the purchaser follows the designated settlement method or selects from the designated settlement methods. They choose one method and pay for it accordingly.

Here, the settlement method is a comprehensive payment method including bank transfer, postal transfer, cash on delivery by a courier, payment by credit card, storage at a convenience store, Internet banking, and the like.

[0005]

At present, the settlement method designated by the electronic commerce site is different depending on each electronic commerce site.

For example, a certain electronic commerce site permits payment by credit card, but another electronic commerce site does not allow payment by credit card but only cash on delivery by a courier. Even with the same payment method, for example, bank transfer, there are different banks and accounts specified for each electronic commerce site, and the purchaser cannot always transfer money from the bank that he / she is trading with. In some cases, you may have to pay the transfer fee and transfer money.

Therefore, from the user's point of view, it is desirable that all electronic commerce sites can select a payment method that is convenient for them.

[0008] Therefore, one problem to be solved by the present invention is to provide a settlement method or a settlement system in which a user can select a settlement method that is convenient for him or her at many electronic commerce sites.

[0009] At present, each electronic commerce site specifies its own payment method, and if it is attempted to meet various demands of users, a large number of banks, postal savings accounts and various other payment methods will be used. You must prepare a window. Such a large number of deposit windows makes it difficult for the operator of the electronic commerce site to confirm whether or not there is a deposit from the user, and thus takes time to process the settlement. Further, when viewed as a whole of the electronic commerce site, many electronic commerce sites individually maintain a large number of deposit windows, and the work of confirming the deposit is performed independently, which is not rational.

Therefore, another problem to be solved by the present invention is to provide a settlement method or a settlement system which can reduce the burden of the confirmation work of the payment on the electronic commerce site and can efficiently perform the confirmation work of the payment. It is in.

Further, in the present electronic commerce settlement method, the purchaser's purchase information is grasped in a distributed manner at each electronic commerce site, and the customer's purchase information and usage information are not utilized in an integrated and strategic manner.

[0012] Therefore, another problem to be solved by the present invention is to provide an electronic commerce settlement method or settlement system which integrates and collects customer's purchase information and usage information and can effectively utilize for marketing activities. To do.

[0013]

The electronic commerce settlement method according to claim 1 of the present application receives transaction information including a transaction party, a product, and the quantity or price of the transaction party from an electronic commerce site, and records the transaction information. And a method of allowing the purchaser to select one payment method from a plurality of payment methods, transmitting the payment method to the purchaser based on the selection of the purchaser, or crediting the credit company. Inquiring about the propriety, notifying the purchasing user or the purchasing user and the electronic commerce site of the propriety of the transaction, or making the purchasing user access the computer of the financial institution, and the information of the propriety of settlement from the computer of the financial institution or the purchasing user. To receive the purchase user or the purchase user and the electronic commerce Input the information of money transferred to the centralized account from the purchasing user, credit company or financial institution at the stage of notifying the site of the transaction, and send it to the electronic commerce site as deposit information by collating with the transaction information. And a step.

The electronic commerce settlement system according to claim 3 of the present invention receives and records transaction information including a trading party, a product, and the quantity or price of the trading party from the electronic commerce site, and the purchasing user can select from among a plurality of settlement methods. Select one payment method from the above, send the payment method to the purchasing user based on the selection of the purchasing user, or inquire the credit company about whether credit is possible or not, and purchase the user or the purchasing user and the electronic commerce The site is notified of whether or not the transaction is possible, or the purchasing user is allowed to access the computer of the financial institution, and the information on whether the settlement is possible or not is received from the computer of the financial institution or the purchasing user and the purchasing user or the purchasing user and the electronic commerce Notify the site of the availability of transactions and purchase It is characterized in that it has a server that sends as by entering the money of the information that has been credited to the concentration account from-user or a credit card company or financial institution against the said transaction information payment information in the e-commerce site.

According to the electronic commerce settlement method and the settlement system thereof of the present invention, when the user purchases at the electronic commerce site and reaches the stage of settlement, any one of direct payment, payment by credit card, and online banking is performed. You can choose either method. On the other hand, it is not necessary for the electronic commerce site to hold a large number of accounts or to support various payment methods according to the needs of customers.

[0016] Further, since the settlement server notifies each electronic commerce site that the purchase user is able to make payment and that the purchase user is not able to make payment, the electronic commerce site is notified. For us, we can realize speedy and safe electronic commerce.

Furthermore, since the settlement server centrally monitors and manages the payment to each electronic commerce site, it is not necessary to confirm the payment at each electronic commerce site, and the payment of each transaction is transferred. Since it is notified by, the electronic commerce can be realized speedily.

The electronic commerce settlement method according to claim 2 of the present application includes a step of registering a purchase user by designating a settlement method in advance, and transaction information including a trading party, a product, and the quantity or amount of money from the electronic commerce site. Received
The step of recording the transaction information, transmitting the payment method of the price to the purchasing user according to the pre-registered settlement method based on the identification information of the purchasing user, or inquiring the credit company as to whether the credit is available or not. Notifying the purchasing user and the electronic commerce site of whether the transaction is possible, or allowing the purchasing user to access the computer of the financial institution, receiving information on whether the settlement is possible from the computer of the financial institution or the purchasing user, and purchasing the user or The step of notifying the purchasing user and the electronic commerce site of whether or not the transaction is possible, and the information of the money transferred to the centralized account from the purchasing user, the credit company or the financial institution is input, and as the deposit information by collating with the transaction information. Send to the e-commerce site It is characterized in that it has the steps, a.

An electronic commerce transaction settlement system according to claim 4 of the present application allows a purchaser to designate a payment method in advance and register it, and receives transaction information including a transaction party, a product, and the quantity or price of the transaction from an electronic commerce site. Then, the payment method is recorded according to the pre-registered payment method based on the identification information of the purchasing user, or the payment method of the price is transmitted to the purchasing user, or the credit company is inquired about whether the credit is available or not, and the purchasing user or the purchasing user. And notifying the electronic commerce site of whether or not the transaction is possible, or allowing the purchasing user to access the computer of the financial institution, and receiving information on whether the settlement is possible or not from the computer of the financial institution or the purchasing user to purchase the user or the purchasing user. And trading on the e-commerce site It has a server for notifying the propriety, inputting money information transferred to a centralized account from a purchasing user, a credit company or a financial institution, collating it with the transaction information, and transmitting it as deposit information to the electronic commerce site. To do.

According to the settlement method and settlement system for electronic commerce of the present invention, since the purchaser registers the settlement method in advance, it is not necessary to select the settlement method, and quick settlement processing can be performed. . In addition, especially in the case of payment by credit card, the credit card number and PIN of the purchasing user are registered in advance in the payment server, so the credit card number does not flow on the Internet each time a transaction is made, which is high. It is possible to realize security electronic commerce.

[0021]

BEST MODE FOR CARRYING OUT THE INVENTION Next, an embodiment of the “electronic commerce settlement method and its settlement system” according to the present invention will be described below with reference to the drawings.

First, the configuration of the "electronic commerce settlement system" according to an embodiment of the present invention will be described with reference to FIG.

As shown in FIG. 1, an electronic commerce settlement system 1 of the present embodiment includes a settlement server 2, a plurality of electronic commerce sites 3, a purchasing user 4, a monetary payment means 5, and a space between them. And a communication network 6 for communicatively connecting to each other.

The settlement server 2 has a server 2a for data processing and a purchase database 2b that functions as a storage device for storing and manages information on transactions.
Note that the purchase database 2b may be a part of the payment server 2a or may exist outside independently.

The electronic commerce site 3 is an electronic commerce site that has a contract with the settlement server 2 in advance regarding the settlement process described below.

The money payment means 5 is a means by which the purchase user 4 can pay money, and is not limited to the illustrated one, and is not limited to the one including all the illustrated ones. In the example of FIG. 1, the monetary payment means 5 includes a postal transfer system 7, a credit company 8, a bank computer 9, and a convenience store 10.

A specific example of the communication network 6 is the Internet (hereinafter referred to as the Internet 6 for easy understanding).

In addition to this, an electronic commerce settlement system 1
Has a centralized account 11 and a mileage management server 12.

The centralized account 11 is a bank or postal savings account to which the purchasing user 4 transfers money through the money payment means 5. The centralized account 11 is designated by the payment server 2 (operator of the payment server). There may be a plurality of centralized accounts 11, but the purchasing users 4 who use any of the electronic commerce sites 3 are common to pay the price of the products.

The mile management server 12 is a server that manages "miles" which are points of various preferential services for the purchasing user 4 who uses the electronic commerce site 3. The mileage management server 12 may be an element of the electronic commerce payment system 1, but may not be included in the electronic commerce payment system 1.

An electronic commerce settlement method by the electronic commerce settlement system 1 will be described below with reference to FIG. In the description of FIG. 2, the electronic commerce settlement method of the present invention will be clarified by appropriately referring to FIG.

In order to settle by the electronic commerce settlement method of the present invention, the purchasing user 4 first accesses the electronic commerce site 3 (arrow in FIG. 1), and the electronic commerce site 3
It is necessary to agree to purchase the product for sale (step S100).

Specifically, the purchasing user 4 uses his or her computer to access the desired electronic commerce site 3 via the Internet 6, and the electronic commerce site 3
Browse products on the website. If Purchasing User 4 finds the desired product and decides to purchase it,
Click the "Buy" button on the home page. The clicking of the purchase button is actually an operation for accessing the settlement server 2 having another address on the Internet. At that time, the transaction information including the identification information of the purchasing user 4, the product decided to be purchased, the quantity, the electronic commerce site 3, etc. is transmitted to the settlement server 2 together with the request for the settlement process (step S110; the arrow in FIG. 1).

URL parameters can be used to convey transaction information to the settlement server 2 upon accessing the settlement server 2. For example, HTTP /
/ Www. Kessai @ jalpassport (URL address of payment server) /.../ User ID /
The transaction information can be included in the URL parameter such as electronic commerce site / product name / number / cost. These URL parameters can be used on the server side regardless of the address.
The payment server 2 can retrieve the transaction information from the URL by defining the description method of.

The settlement server 2 which receives the request for the settlement process and the transaction information records the transaction with a different transaction code for each transaction in the purchase database 2b, and the purchase user 4 receives the transaction information, that is, the purchase user. Electronic commerce site (trading party), product name (including product code),
The number of purchases and the price are transmitted to the purchasing user 4, and the purchasing user 4 confirms the transaction information (step S120; FIG. 1).
Arrow).

An example of the database structure of the purchase database 2b is shown in FIG. As shown in FIG. 3, the purchase database 2b has a transaction code, a purchase user identification code (user code), an electronic commerce site name, a date, a product name (product code), a unit price, an order number (quantity), an amount, and a payment. It is preferable that items such as a method (code of the settlement method), payment confirmation, and transaction end status are items. The “transaction end state” records how the transaction ended normally, and when the transaction ended abnormally, the progress and the cause of the abnormal end.

When a transaction code is assigned to each transaction in the settlement server 2, communication, processing request, and message between the settlement server 2 and the electronic commerce site 3, purchasing user 4 and monetary payment means 5 after that are given. In the notification or the like, it is preferable to add the transaction code after the URL of the other party. U
The transaction code attached to the RL identifies the object of processing or communication, which is convenient for monitoring the progress of each transaction in the settlement server 2.

In the above example of the transaction information, the transaction information includes the product name,
The number and price are included. However, when the purchasing user 4 accesses the settlement server 2, if only the price of the product name, the number, and the price is transmitted, the purchased product can be kept secret and the privacy of the purchasing user 4 is protected. be able to. Also, only the product name and number of the product name, quantity, and price may be transmitted to the payment server 2, the price amount may be calculated by the payment server 2 using the price list of the product, and the purchase user 4 may be notified separately. For example, the amount of money can be kept secret and the privacy of the purchasing user 4 can be protected.

Upon receiving the communication for confirming the transaction information, the purchase user 4 confirms the contents and transmits whether or not the settlement processing is possible (step S120; arrow in FIG. 1).

The transaction information notification to the settlement server 2 may be sent from the electronic commerce site 3 to the settlement server 2.

That is, the information on the products to be sold, the number of products, the price, etc. is sent from the electronic commerce site 3 in response to the purchase user 4 deciding to purchase the product and operating the “purchase” button. Transaction information may be transmitted to the settlement server 2 (arrow in FIG. 1). In this case, the payment server 2 sends the transaction information received from the electronic commerce site 3 to the purchasing user 4 (arrow in FIG. 1), and the purchasing user 4
Receive a confirmation of the transaction from (arrow in FIG. 1).

Upon receiving the transaction information confirmation communication from the purchase user 4, the settlement server 2 confirms whether the purchase user 4 has registered the settlement method in advance (step S13).
0). If the purchase user 4 has not registered the payment method in advance, the purchase user 4 is made to select the payment method (step S140). On the other hand, if the purchase user 4 has registered the payment method in advance, the next payment process is performed according to the selected payment method.

There are three main types of payment methods.

One of them is to send details of the payment method to the purchasing user 4 (step S150). This requires the purchaser to pay directly, assuming that the purchaser has the ability to pay. For example, the purchaser 4 is informed of the postal savings account to be paid to pay using the postal transfer system. Something that can be used is to inform the purchasing user 4 of the bank account so that payment can be made using a bank transfer, or one that informs the purchasing user 4 of the payment number (storage agent number) so as to use the storage agency of the convenience store. To be When using the storage agency of the convenience store, the payment server 2 allows the purchasing user 4 to select the convenience store to be used, and communicates with the convenience store 10 to specify the storage agency of the payment (payment number). Number) is issued (arrow in FIG. 1,).

The second settlement method is a credit card settlement. When this payment method is selected, the payment server 2 inquires of the credit company 8 whether the credit is acceptable (step S160; arrow in FIG. 1). Credit inquiries are preferably handled automatically by data communication between computers.

When the credit company 8 is inquired as to whether or not the credit is acceptable, the credit company 8 conducts a credit examination of the customer and returns the result to the settlement server 2. Based on the result of the credit examination, the payment server 2 determines whether payment is possible (step S170). When the credit company 8 refuses the credit, the processing is returned to step S140,
Let them choose another credit card or another payment method. If the credit company 8 permits credit,
The fact that the transaction is possible is transmitted to the purchase user 4 and the electronic commerce site 3 (step S180; arrow in FIG. 1). If the purchasing user 4 selects any of the payment methods and payment is impossible, step S18 is performed.
At 0, the electronic commerce site 3 and the purchasing user 4 are notified that the transaction has not been established (arrow in FIG. 1),
The process ends.

If the purchasing user 4 has previously selected and registered payment by a predetermined credit card,
It is preferable to register the credit card number of the purchasing user 4 in the settlement server 2 in advance. In that case,
It is not necessary for the purchasing user 4 to send his / her credit card number, and the payment server 2 searches the credit card number of the purchasing user 4 registered in advance from the user code and sends it to the credit company 8 for credit examination. You can ask. If the communication line between the payment server 2 and the credit company 8 is a dedicated line with high security reliability, the credit card number of the purchasing user 4 will not be distributed on the Internet 6, and the security reliability will be improved. be able to.

The third settlement method is settlement by online banking processing of the bank. When this payment method is selected, the purchasing user 4 is made to select a transaction bank. When the house bank is selected, the purchasing user 4 is allowed to access the computer 9 of the bank (arrow in FIG. 1).

When the purchase user 4 requests a connection,
The bank computer 9 sends a screen for online banking, and causes the purchasing user 4 to log in by inputting an ID and password. After logging in, the purchasing user 4 transfers the price of the product from his account to the account designated by the payment server 2 (step S190).

When the remittance is completed, the bank computer 9
Alternatively, the purchase user 4 transmits information on whether or not the remittance is possible to the settlement server 2, and the settlement server 2 performs step S170.
It is determined whether payment was possible in the processing of. When the information on whether or not remittance can be sent from the bank computer 9 to the settlement server 2 (arrow in FIG. 1), the bank computer 9 is provided with that function. Meanwhile, purchasing user 4
When the information about whether or not to transfer money to the payment server 2 is transmitted from the payment server 2 to the payment server 2 (arrow in FIG. 1), the bank computer 9 gives a signal to the purchasing user 4 to prove that the processing is completed, and the purchasing user 4 It is necessary to access the settlement server 2 again and send a signal certifying that the processing is completed to the settlement server 2 for confirmation.

When the remittance from the bank account of the purchasing user 4 is not successful, the process returns to step S140 and the purchasing user 4 is made to select another bank or another settlement method. If the transfer from the bank account of the purchasing user 4 is completed without any problem, the payment server 2 causes the electronic commerce site 3 and the purchasing user 4 to perform the processing in step S180.
Notify that the transaction is possible (arrow in Fig. 1,
). On the other hand, if the purchase user 4 selects any payment method and the payment is not possible, the electronic commerce site 3 and the purchase user 4 are notified that the transaction has not been established in step S180 (see FIG. 1). Delete the arrow,), transaction code and end the process.

When the transaction is possible and the parties to the transaction agree to the transaction, it is preferable that the settlement server 2 notifies the purchasing user 4 of the earned miles (step S200). However, only the notification of the earned mileage is given, and the registration to the mileage management server 12 is actually performed after the transaction is completed, that is, after the payment confirmation described later. The mile notification process can be omitted.

After it is confirmed that the transaction is possible, whether or not the payment has been made is monitored as follows.

The purchasing user 4 is informed by the step S200 of the centralized account 11 to which the price should be transferred. Further, the credit company 8 and the convenience store 10 are also informed of the centralized account 11 to which the money should be transferred in advance.
Therefore, the price of all the products will be transferred to the centralized account 11 (arrow (10) in FIG. 1).

The transfer of money to the centralized account 11 reveals at least the identification code and transaction code of the transfer person. The centralized account 11 is an account that the operator of the payment server 2 can access. The settlement server 2 inputs information on the deposit to the centralized account 11 in real time or at regular intervals (step S210; arrow (11) in FIG. 1).

The money information deposited in the centralized account 11 is collated with the transaction information recorded in the purchasing database 2b (step S220). As shown in FIG. 3, each data of the purchase database 2b is generated for each transaction, a transaction code is added at the start of the transaction, and the transaction is ended by confirming the deposit. Since the deposit information has at least the transaction code, the data of the transaction code is searched, the deposited amount is compared with the amount recorded in the purchasing database 2b, and if correct, a flag is displayed in the deposit confirmation column. Try to stand. The flagged transactions indicate that the payment was successful.

The settlement server 2 of this embodiment monitors the deposit. To monitor the deposit, the date column and the deposit confirmation column of the purchase database 2b are searched, and the transaction is a transaction before a predetermined number of days from the date data held by the settlement server 2 itself, and the deposit confirmation column. Searches for data in which the flag is not set, extracts these data, and sends a message to the purchasing user 4 if necessary.

Furthermore, for transactions in which payment cannot be confirmed regardless of a predetermined number of messages, the settlement server 2
Notifies the electronic commerce site 3 and the purchasing user 4 that the transaction has not been completed.

Regarding the transaction for which payment is confirmed, the settlement server 2 informs the electronic commerce site 3 and the purchasing user 4 if necessary (step S230). Depending on the electronic commerce site, the product may be shipped after confirmation of payment.

The settlement server 2 collects information on the deposited money at regular intervals, and each electronic commerce site 3
For each purchasing user 4 or for each purchasing user 4 (step S240).

The deposit information collected for each electronic commerce site 3 is the basis for payment to the electronic commerce site 3. Specifically, the settlement server 2 calculates the total amount of money paid to each electronic commerce site 3, divides the total amount of money transferred to the centralized account 11 into each electronic commerce site 3, and divides each electronic commerce site 3. It is sent together with the details of deposit (step S250). On the other hand, the transaction data collected for each purchasing user 4 is sent to each purchasing user 4 as payment details (step S260).
Remittance to each electronic commerce site 3 is preferably made by wire transfer to an account designated by each electronic commerce site 3 in advance.

Finally, the settlement server 2 accumulates information on all transactions (including information on transactions that have not been completed) that have been executed during a certain period of time, and newly purchases miles for each purchasing user 4. About Miles Management Server 12
To register (step S270; arrow (12) in FIG. 1).

According to the electronic commerce settlement method and settlement system of the present invention described above, the purchasing user 4
No matter which e-commerce site 3 you buy,
The payment server 2 can select a payment method that is convenient for the user. As a result, it is possible to eliminate the disadvantage of making a settlement according to the settlement method which is conventionally unilaterally designated by the electronic commerce site.

Further, according to the present invention, if each electronic commerce site 3 owns one account, the settlement server 2 transfers the price of selling the goods to that account, so that the customer's request can be met. No hassle of maintaining a large number of accounts to meet.

Further, according to the present invention, each electronic commerce site 3 does not need to check whether or not there is a deposit from the customer. In the present invention, all deposits from customers are in a central account 1
Since the settlement server 2 confirms the payment on behalf of each electronic commerce site 3 focusing on 1, the confirmation of the payment can be performed efficiently, the time for confirming the payment can be shortened, and the product can be shipped after the payment. On the site, you can realize speedy transactions. Further, in the above-described embodiment, the payment server 2 can monitor the deposit and automatically issue a reminder message to the purchasing user 4 who is late in the deposit.
For him, he can also omit the work for reminder.

Furthermore, according to the present invention, the settlement server 2
Since the transaction information of the purchasing user is collected in, the information of the customer, which has been dispersed in each electronic commerce site in the past, is concentrated and can be utilized as useful purchase information / use information of the customer. For example, by concentrating the customer information, it is possible to analyze the transaction history of each customer at a plurality of electronic commerce sites, and match it with the customer information to form a basis for various marketing plans.

Finally, a method of tracing transactions by the settlement server 2 will be described.

In the settlement method according to the present invention, the settlement server 2 and the bank computer 9 and the credit company 8 are exchanged via the Internet 6, and settlement is performed through several steps. However, even if it is a series of processes from the viewpoint of the purchasing user 4, a plurality of different servers may actually perform the processes one after another. Naturally, the settlement process may be interrupted due to a communication failure, a process failure, or the like.
Therefore, in the present invention, the following means for tracing the settlement processing of each transaction can be taken.

FIG. 4 shows the concept of transaction tracing. When the computer or system other than the settlement server 2 performs a process, the transaction trace is centered on confirming whether the computer or system is accessed and whether the process is normally completed.

As shown in FIG. 4, according to the present invention, the process branches into online banking, credit card payment, and payment at a convenience store depending on the purchaser's choice of payment method. For example, online banking payment is selected. In that case, the payment processing will be transferred to the bank computer, so the payment server will access the bank's computer, complete the transfer, notify the e-commerce site and the purchasing user of the result, The progress of processing can be grasped by checking a plurality of check points such as. In addition, if credit card payment is selected, whether the credit card company is requested to examine the credit, the result of the credit examination is received, or the result of the credit is notified to the electronic commerce site and the purchasing user, The progress of processing can be grasped by checking a plurality of check points such as. If you choose to store on behalf of a convenience store, you need to negotiate a payment number with the convenience store and notify the purchaser.

In the transaction tracing method of the present invention, each checkpoint as described above is preferably included in the data item of the purchase database 2b, and the sequence is set up according to the selected settlement method. The payment server 2 checks the data at each checkpoint in the sequence according to the selected payment method. When the confirmation of the processing of a certain checkpoint is obtained, a flag is set in the column of the checkpoint to monitor the time when the confirmation of the next checkpoint is obtained. The time from each checkpoint to the next checkpoint is set in advance, and if the confirmation of the next checkpoint cannot be obtained even after that time has elapsed, it is processed as an error. Input or confirmation to each checkpoint is obtained by communication between the settlement server 2 and the purchase user 4 or credit company 8 bank computer 9. For the input or confirmation to the checkpoint, the payment server 2 may actively inquire of each external computer. Further, the inquiry to the computer of each part may be made several times. The result of a predetermined number of inquiries may be output as an alarm message.

By the above processing, even if the payment processing is interrupted due to communication failure or system failure, an alarm message can be output and the payment processing can be continued. In addition, even if the settlement process ends in an error, both the purchasing user and the e-commerce site can be informed of the condition in which the e-commerce process has ended unsuccessfully. Thus, it is possible to prevent misunderstandings such as not selling but paying the price, or not receiving the product even though the price is paid, and it is possible to prevent unnecessary trouble.

[0073]

As is apparent from the above description, according to the electronic commerce settlement method and the settlement system thereof of the present invention, settlement processing is undertaken from a plurality of electronic commerce sites,
By having a payment server that allows the purchaser to select an arbitrary payment method and perform payment processing according to the selected payment method, the purchaser can purchase products on any e-commerce site. You can choose a convenient payment method. As a result, it is possible to eliminate the disadvantage of making a settlement according to the settlement method which is conventionally unilaterally designated by the electronic commerce site.

Further, according to the electronic commerce settlement method and the settlement system thereof of the present invention, since the settlement server has a centralized account, the prices of transactions at all electronic commerce sites are transferred to the centralized account, The payment server sends the payment for each e-commerce site. As a result, each electronic commerce site only needs to have one account, and there is no trouble of maintaining and managing a large number of accounts in order to meet the customer's request. In addition, each e-commerce site does not need to check whether or not the customer has made a deposit, and can confirm the deposit efficiently, shorten the time for confirming the deposit, and thereby realize speedy transactions. it can.

Further, according to the electronic commerce settlement method and the settlement system thereof of the present invention, since the transaction information of the purchasing user is gathered in the settlement server, the information of the customer, which has been conventionally distributed to each electronic commerce site, is concentrated. By analyzing the customer's transaction history and matching with the customer information,
It can be used as useful customer purchasing information and usage information.

Further, according to the settlement method and settlement system of the present invention for tracing transactions, the settlement server monitors the progress of settlement and automatically issues a reminder message to the purchasing user who is late in payment. In addition, if the settlement process is interrupted, it can be continued, and if the settlement is unsuccessful, all parties to the transaction can be notified of the result. It is possible to prevent troubles due to misunderstandings when payment is unsuccessful because the work for reminder is omitted.

[Brief description of drawings]

FIG. 1 is a block diagram showing a configuration of a settlement system for electronic commerce according to an embodiment of the present invention.

FIG. 2 is a flowchart showing the flow of processing by the electronic commerce settlement method according to the embodiment of the present invention.

FIG. 3 is a diagram showing an example of the structure of a purchasing database of the present invention.

FIG. 4 is a diagram conceptually showing a transaction tracing method according to the present invention.

[Explanation of symbols]

1 Electronic commerce settlement system 2 payment server 2a Payment processing server 2b Purchasing database 3 e-commerce sites 4 purchasing users 5 Money payment method 6 Internet 7 Postal transfer system 8 credit companies 9 bank computers 10 Convenience store 11 concentrated accounts

Claims (4)

[Claims] 1. A step of receiving transaction information including a transaction party, a product, and the quantity or price of the transaction party from an electronic commerce site, recording the transaction information, and making one payment from a plurality of payment methods for a purchasing user. Selecting a method, transmitting a payment method to the purchasing user based on the selection of the purchasing user, or inquiring a credit company as to whether the credit is available or not to the purchasing user or the purchasing user and the electronic commerce site. Notify the transaction availability, or allow the purchasing user to access the computer of the financial institution, receive the information of the settlement availability from the computer of the financial institution or the purchasing user, and notify the purchasing user or the purchasing user and the electronic commerce site. The stage of notifying whether the transaction is possible or not Inputting money information transferred from a credit company or a financial institution into a centralized account, collating it with the transaction information, and transmitting it to the electronic commerce site as payment information, settlement of electronic commerce Method. 2. A step of registering a purchase user by designating a payment method in advance, and a step of receiving transaction information including a transaction party, a product, and the quantity or price of the transaction party from an electronic commerce site, and recording the transaction information. Transmitting the payment method to the purchasing user according to the pre-registered payment method based on the identification information of the purchasing user, or inquiring the credit company about whether the credit is available or not, the purchasing user or the purchasing user and the electronic commerce site To the purchase user or to access the computer of the financial institution, and to receive the information on whether the transaction can be made from the computer of the financial institution or the purchase user to the purchase user or the purchase user and the electronic commerce site. The stage of notifying the transaction Inputting money information transferred to a centralized account from a purchasing user, a credit company, or a financial institution, collating the money information with the transaction information, and transmitting the money information as payment information to the electronic commerce site. Payment method for electronic commerce. 3. The transaction information including the transaction party, the product, and the quantity or price of the transaction is received and recorded from the electronic commerce site, and the purchasing user is allowed to select one payment method from a plurality of payment methods. Send the payment method to the purchasing user based on the user's selection,
Alternatively, the credit company is inquired about whether the credit is available or not, and the purchasing user or the purchasing user and the electronic commerce site are notified of the availability of the transaction, or the purchasing user is allowed to access the computer of the financial institution, and the computer of the financial institution or the purchasing user. From the purchase user or the purchase user and the electronic commerce site to receive the information on whether or not the payment can be made, and enter the information of the money transferred to the centralized account from the purchase user, the credit company or the financial institution. An electronic commerce settlement system having a server for collating the transaction information with the transaction information and transmitting the deposit information to the electronic commerce site. 4. A purchaser who specifies a payment method in advance and registers it, receives transaction information including a trading party, a product, and the quantity or amount of payment from an electronic commerce site, records the transaction information, and identifies the purchaser. The payment method of the price is transmitted to the purchase user according to the pre-registered payment method based on the above, or the credit company is inquired about whether the credit is available or not, and the purchase user or the purchase user and the electronic commerce site are notified of the transaction availability. Alternatively, the purchasing user is allowed to access the computer of the financial institution, the settlement approval information is received from the computer of the financial institution or the purchasing user, and the purchasing user or the purchasing user and the electronic commerce site are notified of the availability of the transaction. And purchasing user or credit card Or e-commerce payment system, characterized in that it comprises as payment information and collated with the transaction information and enter the information of the money that has been credited to the concentration account from a financial institution a server to be sent to the e-commerce site.