JP2003203190A - Term designated price settlement method and its system and price settlement center server for executing this method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To improve a profit by sharply reducing a series of costs for request- collection on price settlement unrelated to the profit, and largely shortening a price collecting period. <P>SOLUTION: A seller A confirms the subject of a purchaser P1 by checking up order data with one's own database AD to an order including a price designating settlement day of a commodity or service by purchasers P1, P2, etc., and sends transaction data with the purchaser P1 for regulating the transaction content to a financial institution X by a communication means. The financial institution X receiving the data confirms paying capacity of the purchaser P1 on the basis of the transaction data sent from a seller A, and returns authentication data for authenticating that the purchaser P1 can settle to the seller A after confirming the paying capacity of the purchaser. The seller A receiving the authentication data provides the commodity or the service for the purchaser P1. The financial institution X transfers a price to an account of the seller A selling the commodity or the service in a designated settlement day from an account of the purchaser P1. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention makes it possible to improve the convenience of price settlement for buyers, greatly reduce the cost of billing and collection for sellers, and secure customer information. In particular, the present invention relates to a settlement method and a system therefor capable of acquiring a large number of accounts in the individual department and strengthening and expanding transactions, and a server used therefor.

[0002]

2. Description of the Related Art Conventionally, as payment methods for purchasing goods or services, cash payment, prepaid method (prepayment), credit method (postpayment), debit method (immediate payment), postal transfer, convenience store transfer, bank transfer method Alternatively, there are various methods such as cash on delivery (collection) method. In the case of the credit method, it is troublesome (anxiety) because you have to use a credit card, and you have to make a transaction at your own number to verify your credit number and identity. In the case of debit method,
You have to use a cash card, and you also need your PIN. In addition, in the case of Internet payment, you have to enter the card number, personal identification number, and ID password from the terminal. Further, when using a credit card, the credit member store must pay a fee, which becomes a great payment pressure on the member store as the card society becomes more advanced.

In the case of postal transfer, bank transfer, convenience store transfer, etc., basically, a transfer (transfer) sheet on which the name, address, amount of money, etc. are printed in advance is sent.
Even if there is no problem in filling out the form, it is necessary to go to a post office, a bank, or a convenience store on the designated settlement date, and time loss is large and troublesome. Further, when the above-mentioned paper is lost, the name of the transfer person, the amount of money, the transfer destination and other necessary items must be written accurately on the transfer paper or transfer paper, which is very complicated.

In addition, when these procedures are carried out, a series of administrative costs (commissions) for transfer / transfer processing occur at financial institutions and other related institutions, and the sellers generally bear this cost. In addition, when uncollected money occurs, a dunning letter creation and shipping cost, dunning telephone fee, commission fee to the money collection company, and a series of processing costs for loan loss processing will also occur, significantly reducing the profit of the seller Was. In particular, even if the uncollected money can be collected, there is a problem that the collection period of the money is significantly deteriorated and the financial efficiency is significantly deteriorated.

[0005]

[Problems to be Solved by the Invention] In the recent deflationary recession, the problem to be solved by the present invention is to improve profits on the seller side by drastically reducing costs for these settlements that do not lead to profits and drastically shortening payment collection period. The first problem is to develop a settlement method, its system, and a server used therefor which can contribute to the convenience of the buyer and the improvement of the business efficiency of the settlement financial institution.

[0006]

[Claim 1] relates to a single-layer date-specified payment settlement method (see FIG. 1) according to the present invention, of a product or service by a "buyer (p1) (P2) ... For an order that includes the designated payment date, the seller (A) collates the order data with his / her own database (AD) to confirm the identity of the buyer and at the same time confirms the account balance of the buyer (p1) through communication means. A payment inquiring request for confirmation is sent to the financial institution (X), and the financial institution (X) receiving the payment inquiring request confirms the buyer's account balance based on the payment inquiring request and the buyer (p1). After confirming that the buyer can pay, the seller (p1) sends the payment verification data that authenticates that the buyer (p1) can pay.
The seller who returned to (A) and received the payment authentication data (A)
Provides the product or service to the buyer (p1), and the financial institution (X) transfers the price from the buyer (p1) account to the account of the seller (A) who sold the product or service on the specified settlement date. '' Is characterized by.

According to the present invention, the buyers (p1) (p2) (p3) ... simply place an order for the product or service with the seller (A) by the conventional method (telephone, order form or Internet). Not only the purchase of services but also the payment will be executed on the specified settlement date, and you will need to bring the transfer paper with the prescribed items printed on it to pay for the payment, as is the case with banks, post offices or convenience stores. There is no need to go to and settle. In addition, there is no need to search for lost transfer sheets or transfer sheets. The feature of this payment system is that it does not require a credit card or a cash card, does not require a personal identification number or ID password, etc., and confirms the identity by comparing the order data with the customer database or by telephone confirmation under certain conditions It is a very convenient system that can be used if the seller who participates in this payment system has a transaction history of the buyer and the payment account is used by the financial institution that participates in this payment system. .

On the other hand, the seller (A) and the financial institution (X) "here, the financial institution (X) is 1, but there may be plural." The necessary part of the order data from the buyer (p1) remains unchanged. Since it can be used electronically as payment data, the conventional payment method using transfer paper or transfer paper is not required, and the seller (A) side can greatly reduce the cost of collecting the payment. Further, since the price is automatically transferred on the designated settlement date, not only the payment collection period is significantly shortened, but also the uncollected payment is drastically reduced, and the seller (A) 's financial efficiency is significantly improved. When there are a plurality of financial institutions (X), the price is transferred between the financial institutions (x1) ... (xn).

[0009] Furthermore, the buyer (p
1) (p2) (p3) ...
As it is, it is a powerful upgrade for buyers (p1) (p2) (p3) ...
It becomes toe date hot data, and by analyzing it, it can be processed into data showing purchase tendency of buyers (p1) (p2) (p3) ... and other useful data, and used as a very effective sales promotion tool. You can also do it.

For the financial institution (X), to grasp the cash flow and settlement capacity of the buyer (A), the transaction amount, the tendency to purchase the product, or the asset size by analysis based on the order data sent from the seller (A). The buyer (p1) (p
2) (p3)… It is possible to always understand the life cycle and fund transaction needs, and it is possible to respond swiftly to the buyers (p1) (p2) (p3)… cash demands, which is a tool for expanding customers. Can be used as In addition, by tying up with the seller (A), the customer's account of the seller (A) can be acquired, and it will exert great power in the competition for account acquisition.

"Claim 2" refers to a plurality of financial institutions (X) [(x1) (x
2) (x3) ...] and multiple sellers (A) [(a1) (a2) (a3) ...] participated in the multi-layered deadline payment method (see Fig. 2).
That is, `` From the account of the buyer (p1) existing in any of the financial institutions (X) through the settlement center (S) in which the plurality of financial institutions (X) and the plurality of sellers (A) participated, Financial institution (X)
Is a multi-layered date-specified payment method that electronically transfers the payment to the account of one of the sellers (A) existing on the specified payment date specified by the buyer (p1).
For an order including the designated payment date for goods or services according to (p1), the seller (a1) who received the order confirms the identity of the buyer (p1) by collating the order data with its own database (AD). A payment inquiry request to confirm the account balance of the buyer (p1) via the payment center (S) by communication means and any participating financial institution (x) that has an account of the buyer (p1).
Financial institution (x1) that sent the payment inquiry request to 1)
Confirms the buyer's (p1) account balance based on the payment inquiry request, confirms that the buyer can pay, and then confirms that the buyer (p1) can make payment via the payment center (S). The seller (a1) who returns the payment authentication data to be authenticated to the seller (a1), and the seller (a1) who receives the payment authentication data provides the product or service to the buyer (p1), and the financial institution (x1) receives the payment (p1) from the buyer (p1). ) Participating financial institution of the seller (a1) who sold the product or service for the price on the designated settlement date
(x4) transfer to existing account. ”Buyers (p1) (p2) (p3) ... participate in the settlement system of this invention by conventional methods (telephone, purchase order or internet). You can easily purchase the products or services of the sellers (a1) (a2) (a3) ... Other functions are the same as those in the first embodiment.

[0012] "Claim 3" and "Claim 6" described later relate to the settlement date in the date designation type price settlement. "The designated settlement date is the same as or the same as the shipment, mailing or delivery of goods or services, It is after being posted or handed over. ” In this way, by setting the designated settlement date on the same day as shipping, posting, or delivering the goods or services, or after shipping, posting, or delivering, the settlement date can be compared to before the shipment, posting, or delivery of the goods or services. The seller's payment procedure can be simplified.

On the other hand, the buyer can specify the payment settlement date by making a decision according to the buyer's household budget, so that the convenience in fund management is sufficiently ensured.

In the case of durable consumer goods accompanied by delivery, the term "shipping" means that the goods are sent to the buyer directly from the seller or from a delivery company entrusted with the seller's delivery business.
"Posting" means sending it to the buyer in a sealed letter, like ticket sales. The "delivery" is used as a general concept including "shipping" and "mailing" in addition to the above-mentioned products and directly delivering the service to the buyer. This applies throughout the specification.

A claim 4 is a system for executing the single-layer date-specified payment method. That is, "a server (XS) of the financial institution (X) and a server (AS) of the seller (A), from the account of the buyer (p1) in the financial institution (X),
The buyer pays the price to the seller (A) 's account at the financial institution (X).
A designated-date payment system that electronically transfers the designated settlement date designated by (p1), in which the server (AS) of the seller (A) sets the designated settlement date of the product or service of the buyer (p1). For inclusive orders, a settlement inquiry request for verifying the identity of the buyer (p1) by collating the order data with the own database (AD) and confirming the buyer (p1) account balance by communication means. The server of the financial institution (X)
Financial institution (X) that sent the payment inquiry request to (XS)
Server (XS) of the buyer (p1) based on the settlement inquiry request.
After confirming the account balance of and confirming that the buyer (p1) can pay, the settlement authentication data that authenticates that the buyer (p1) can make payment is returned to the server (AS) of the seller (A). , The server (AS) of the seller (A) who received the payment authentication data
Instructs the seller (A) to provide the product or service to the buyer (p1), and the server (XS) of the financial institution (X) sells the price from the buyer (p1) account on the designated settlement date. Alternatively, transfer to the account of the seller (p1) who sold the service ”.

"Claim 5" is a system for carrying out the multi-layered, date-specified payment method. That is,
"Multiple financial institutions (X) [(x1) (x2) (x3)…] servers (XS) [(X
S1) (XS2) (XS3)…] and multiple sellers (A) [(a1) (a2) (a3)
...] server (AS) [(AS1) (AS2) (AS3)…] and both servers
(XS) and a settlement center server (SS) as an intermediary, and through the settlement center server (SS) the participating financial institution (X) server (XS) and participating seller (A) Buyer (p1) at any participating financial institution (x1) by connecting to the server (AS) of
Is a designated-date payment system that electronically transfers the price from the account of the seller to the account of the seller (a1) at any participating financial institution (x4) on the specified settlement date specified by the buyer (p1). Then, the server (AS1) of the seller (a1) receives the order data and its own database (A1) for the order including the designated settlement date of the product or service by the buyer (p1).
The buyer (p1) is asked to confirm the identity of the buyer (p1) by collating with (D) and the buyer (p1) is requested to confirm the account balance of the buyer (p1) via the settlement center server (SS) by communication means. ) Server of any participating financial institution (x1) (XS
1), the server (XS1) of the financial institution (x1) that received the payment inquiry request, the account balance of the buyer (p1) based on the payment inquiry request sent from the payment center server (SS) After confirming that the buyer (p1) is ready for payment, the payment authentication data that authenticates that the buyer (p1) is ready for payment via the payment center server (SS) is sent to the seller (a1). The server (AS1) of the seller (a1) which has returned the payment authentication data to the server (AS1) of the seller (a1) instructs the seller (a1) to provide the product or service to the buyer (p1), The server (XS1) of the financial institution (x1) is a seller (a1) existing in one of the participating financial institutions (xn) who sold the product or service for the price from the buyer's (p1) account on the specified settlement date.
It will be transferred to your account. ” In addition, as for “designated settlement date”, “shipment”, “posting”, and “delivery” of “claim 6”, the matters described in “claim 3” are cited.

"Claim 7" is a further limitation of the settlement center server (SS). "The seller (A) who has sent the transaction data and the financial institution (X) who has sent the authentication data are the designated date type price. It has the function of certifying that it is a person who can receive the payment service. ”By thus authenticating the data sending side (A) (X), other than the gold payment system participants It is possible to prevent financial institutions and sellers from getting into the payment system.

"Claim 8" is one of the extended functions of the settlement center server (SS) in the present settlement system, and "If the seller (a1) who received the ordered product or order service does not have the ordered product, the seller (a1) who received the order ) Has procured the ordered product or order service from another seller (a2), the account of the other seller (a2) who has transferred the ordered product or order service from the account of the seller (a1) who received the consideration. It issues a command to the server (XS) of the financial institution (X) to transfer it to, and by doing so, the sellers (a1) (a2) ... Even if there are products or unhandled products, the buyer (p1) can order many kinds of products at one time for one seller (a1) within the participants who participated in this system. The convenience of) is further improved.

"Claim 9" is another extended function of the server (S) in the settlement system, in which "the seller (A) who received the order is the buyer.
It manages the points issued to (p1) for each buyer and each seller.By doing so, the points of all the customers of the seller (A) participating in this settlement system are It is possible to manage all of them in a lump sum, and it is possible to realize customer enclosure by the participants (seller (A)) of this payment system. Of course, the points earned by the customer can be collectively managed by a payment method other than this payment method.

[0020]

DETAILED DESCRIPTION OF THE INVENTION The present invention will be described below with reference to the drawings. As described above, the present invention can be applied to the financial institution (X) and the seller (A) in cooperation with each other, or through the settlement center (S) in which the financial institution (X) and the seller (A) participate. Multiple participating financial institutions
From the buyer's (P) 's account in (X) to the seller's (A)' s accounts in one or more participating financial institutions (X), electronically on the designated settlement date specified by the buyer (P) This is a fixed-date payment type payment method for transfer, and the form of the payment method of the present invention includes “single-layer type” in FIG. 1 and “multi-layer type” in FIG. First, the “single-layer type” of FIG. 1 will be described, and then the “multi-layer type” of FIG. 2 will be described. In the description of the “multilayer type”, overlapping parts are omitted to avoid complexity, and only necessary parts will be described.

In the case of the "single-layer type" shown in FIG. 1, one seller
When (A) corresponds to one or more financial institutions (X) (In the following explanation, the case of one-to-one is explained as a typical example.
When the number of (X) is plural, a brief description will be given at the end of the description of “single-layer type”. ), The seller (A) may be any company that sells goods or services, such as mail order companies, department stores, supermarkets, general retailers, etc., or railway / air / truck / shipping companies, hotels / inns, etc. It includes all types of industries such as accommodation companies, service companies such as restaurants and restaurants.

The database (AD) of the seller (A) contains data relating to its own customer (for example, the customer's address / name of the customer, the customer's telephone number, the customer number, the customer's transaction financial institution (generally, the customer). Is your bank or post office) and your customer's trading account number [ID number is required for internet orders, otherwise no ID number is required]) or your own financial institution (typically your bank or post) Bureau) name and own transaction account number are accumulated. The server (AS) of the seller (A) is
Multiple buyers through communication means such as the Internet
(P) [(p1) (p2) (p3) ...] terminals (PCs and mobile phones) and financial institution (X) server (XS) described later are connected. Further, the order form of the buyer (p1) is not limited to the personal computer or the mobile phone, and may be performed by the conventional telephone or mailing or faxing the order form. In this case, the seller (A)
Using the terminal, the operator will input the contents described in the telephone or the order form. Also the seller (A)
In the database (AD) of the customer, necessary items such as the gender of the customer and past purchase history (type of product / service, price, time of purchase, etc.) are organized and recorded for each customer, and necessary data is stored as necessary. May be taken out instantly.

Buyer (p1) order
The designated payment date by (p1) is listed. ),
The buyer's (p1) address / name, phone number, customer number, house bank name, product number / order code / color and size, other necessary items, addressee, designated settlement date, etc. are listed. ) Server (AS).

The financial institution (X) requests the settlement inquiry in the order data of the buyer (p1) (this includes the buyer's (p1) address / name, telephone number, customer number, and transaction financial institution name (transaction branch of the financial institution). Name), account number, order amount, designated settlement date, etc.), and buyer (p1) balance inquiry and seller (A)
The payment is made according to the payment request from (the buyer (p1)
Address / name, telephone number, customer number, financial institution name
(Name of transaction branch of financial institution), account number, order amount, designated settlement date, etc. are described. ), A bank (credit union, credit union, agricultural cooperative, etc.
Includes financial institutions that can accept (funds). ), Securities companies, post offices, etc. In general, banks and post offices will be responsible for that.

In the database (XD) of the financial institution (X), the financial data of the seller (A) who is trading (for example, the seller (A))
Address / name, telephone number, account number, account balance, past financial transaction data) and seller (A) customer (P) [(p1) (p2) (p3)
…] Financial data of all (for example, address / name of customer (p1), phone number, account number, account balance, past financial transaction data) and other necessary data are captured, and buyer's financial data is acquired as necessary. The necessary data about is retrieved instantly.

When the buyer (p1) orders the product or service from the seller (A) by displaying the necessary items including the designated settlement date by telephone, order form or Internet terminal, the seller (A) writes the order data. Based on the buyer
The data of (p1) is taken out from the database (AD) and the identity is verified. As a result, when it is confirmed that the buyer (p1) is a customer of the seller (A), the buyer (p1) is identified and the partner financial institution is confirmed in order to confirm the account balance of the buyer (p1).
Send the buyer (p1) payment inquiry request to (X). If the identity of the buyer (p1) cannot be verified, the buyer (p1)
At the request of 1), the buyer (p1) is newly registered, and then the payment inquiry request is transmitted to the affiliated financial institution (X) as described above.

The affiliated financial institution (X), which has received the payment inquiry request, sends the buyer (p) based on the payment inquiry request.
Check the account balance in 1) and if payment is possible, return the payment authentication data to the seller (A). Seller (A)
Waits for the return of the payment authentication data and provides the product or service. Merchandise will be provided through the seller (A) own delivery department or an external delivery company (U). Buyer who received goods or services (p1)
Certifies receipt by stamping or signing required documents on the required documents, and the delivery person reports the delivery completion to the seller (A).

If payment is not possible, payment authentication data is not issued and the seller (A) is notified of that fact. In that case, the seller (A) informs the buyer (p1) that payment by the partner financial institution (X) is not possible and informs the transaction suspension, and payment methods other than this payment method (post-payment advance payment, convenience store payment,
Request a change such as card payment. Alternatively, after the buyer (p1) resolves the insolvency situation, the partner financial institution (X) waits for the payment authentication data to be issued again before providing the product or service.

[0029] Then, shipping the product (or providing the service)
When the specified date arrives on or after the
(A) makes a payment request to the partner financial institution (X), and in response, the partner financial institution (X) sells the price from the buyer (p1) account.
Transfer to (A) account and complete a series of transactions.

After checking the buyer's balance, the balance may fluctuate by the designated settlement date, and the balance may be insufficient to make the settlement. In that case, the settlement up to a certain amount is possible. Set up a credit guarantee or overdraft limit for the buyer (A) so that the payment will not be delayed. Or, at the same time as the balance check, the financial institution (X) pools the amount equivalent to the price,
Make sure payment is not delayed.

In addition, as a means to lock in customers, certain points can be purchased by the buyer for the purchase of goods or services.
The point system of giving to (P) may be adopted by the seller (A), but for each buyer (p1), the points are recorded in the database (AD) of the seller (A) and managed individually. In other words, by simply accessing the database (AD) via the Internet, the buyer (p1) can easily know how much points he / she has accumulated and the products and services that can be received using the accumulated points. It can and is very convenient. Of course, it is also possible to make a telephone inquiry to the seller (A). In the case of the "multi-layer system", the points issued by each seller (a1) ... are integrated and managed by the settlement center server (SS), and the points of each seller (a1) ... are aggregated and each seller (a1) ... Exchange points. Each seller (a1) ... manages the points of each buyer (p1) ... individually.

Next, the case where the settlement system affiliated financial institution (X) is plural for the seller (A) in FIG. 1 will be briefly described. In this case, the buyers (p1) (p2) (p3) ... Have an account with one of the financial institutions (X) (x1) (x2) (x3). When the transaction financial institution (x1) of the buyer (p1) and the affiliated financial institution (x1) of the seller (A) match, the price settlement on the designated settlement date is executed within the financial institution (x1). Conversely, the buyer (p
1) Transaction financial institution (x1) and seller (A) affiliated financial institution (xn)
If they do not match, the price is transferred from the transaction financial institution (x1) of the buyer (p1) to the affiliated financial institution (xn) of the seller (A) through the internet line or the dedicated line.

Next, the "multilayer type" shown in FIG. 2 will be described. In this case, the seller (A) participating in this payment system
There are multiple [(a1) (a2) (a3) ...] and financial institutions (X) [(x1) (x2) (x3)…], and there are multiple sellers (A) and financial institutions (X). Different from the "single-layer type" in that the "settlement center server (SS)" is installed to facilitate the flow of information, and multiple sellers (A) and financial institutions (X) that exchange information Authentication work will be added to authenticate whether is a participant in this payment system. Other than that, it basically matches the “single-layer type”. The individual sellers are (a1) (a2) ... and their servers and databases are (aS
1) (aS2) (aS3) ..., (aD1) (aD2) (aD3) ..., and (A) when representing the whole seller. Individual financial institutions are (x1) (x2)
(x3) ... and the server or database (xS1) (xS2) (xS3)
... (xD1) (xD2) (xD3) ..., and (X) to indicate the entire financial institution. Individual buyers are indicated by (p1) (p2) (p3)…
The entire buyer is indicated by (P).

The settlement center (S) is established by a plurality of financial institutions (X) and a plurality of sellers (A), and this system is a financial institution (X) and a seller (A) participating in the settlement center (S). ) Servers (XS) (AS) and settlement center (S) settlement servers (SS)
And communication means (for example, internet line or dedicated line)
Will be consolidated and operated by.

The settlement center server (SS) is a seller (a1) (a2) (a3) who has accessed the settlement center server (SS).
Confirm whether ... is a participating member of this payment system, confirm whether the ordered buyers (p1) (p2) (p3) are registered customers of the seller (A), and place the order (p1)
(p2) (p3)… Transaction financial institution (x1) (x2) (x3)… confirms whether it is a participating member of this settlement system, and if it is confirmed, the function to issue the certification Have. Also,
In the database (SD) of the settlement center server (SS), data on each seller (a1) (a2) ... and its customers (p1) (p2) (p3) ... (ie, each seller (a1) (a2) ... ID number, customer (p1) (p2)
(p3) ... address / name, phone number, customer number, each seller (a
1) (a2) ... and customers (p1) (p2) (p3) ... transaction bank names of trading financial institutions, account numbers, etc. are accumulated. Then, the data (that is, each seller (a1) (a2) ...) of each seller (a1) (a2) ... and its customers (p1) (p2) (p3) ... is stored in the settlement center server (SS).
ID number, customer (p1) (p2) (p3) ... address / name, telephone number, customer number, each seller (a1) (a2) ... and customer (p1) (p2) (p
3) When the transaction branch name, account number, order amount, designated settlement date) of the transaction financial institution is sent, the seller (a1) (a
2) (a3)… Confirmation of participating memberships, buyer who ordered
(p1) (p2) (p3)… Registered confirmation and buyer who ordered (p1) (p
2) Confirm the membership of the financial institutions (x1) (x2) (x3) ...

The sellers (a1) (a2) ... are individually server (AS1) (AS
2) ... is held, and the above-mentioned data about the customer is accumulated. In addition, financial institutions (x1) (x2) (x3) ... also have their own databases (XD1) (XD2) (XD3) ...
It stores necessary data (addresses / names of customers of each financial institution (x1) (x2) (x3) ... Phone number, transaction branch name of transaction financial institution, account number). And the seller (a1) (a
2) Every time an order is received, it is confirmed whether the buyer (p1) who ordered using the accumulated data of the server (AS1) (AS2) ... is a registered customer of the company or the settlement center. (p
The transaction financial institution (x1) of 1) confirms whether it is a participating member of this settlement system and confirms the transaction account of the buyer (p1). In addition, financial institutions (x1) (x2) (x
In 3) ..., based on the settlement inquiry request received from the seller (a1), it is confirmed whether or not the buyer (p1) is a customer of the company and the balance inquiry of the buyer (p1) is performed. When it is sufficient, that is, when settlement is possible (Of course, even if the account balance is insufficient, there is a contract to use the overdraft line, or the presence or absence of other account transactions and transactions (contents)
If there is a case where it is judged that payment is possible by credit judgment based on history, etc., payment authentication data is issued.

Next, the operation of the second embodiment will be described. As in the first embodiment, when an order arrives from the buyer (p1) to the seller (a1), the identity of the buyer (p1) is verified, and if the identity is confirmed, the settlement center server (SS) confirms the identity of the buyer (p1). Send a payment inquiry request. When the identity of the buyer (p1) cannot be verified, as in the first embodiment, after the identity of the buyer (p1) ... is verified at the payment center (S), new registration is performed, and then the payment inquiry request is made. To transmit.

In the settlement center server (SS), the seller (A) who has transmitted the settlement inquiry request is a participating member of the settlement system, and the buyer (p1) is a customer of the seller (A). And confirm that the transaction financial institution (x1) of the buyer (p1) is a member of the settlement system by referring to its database (SD). If both can be confirmed, the transaction data of the buyer (p1) is the transaction financial institution (x1)
Transfer to. If any of the above cannot be confirmed,
The settlement center server (SS) cancels the transaction and stops the transfer of the settlement inquiry request to the transaction financial institution (x1).

[0039] The financial institution (x
1) is the buyer after confirming whether the buyer (p1) has a trading account based on the payment inquiry request.
Check the account balance in (p1). If the buyer (p1) is a customer of the financial institution (x1) and settlement is possible, the financial institution (x1) authenticates the buyer's (p1) settlement approval data and the customer of the financial institution. Send the financial institution / customer authentication data to the settlement center server (SS).

The settlement center server (SS), which has received the payment authentication data of the buyer (p1) and the financial institution / customer authentication data, sends the payment authentication data of the buyer (p1) to the seller who issued the payment inquiry request. Transfer to (a1).

The transaction data issuing seller (a1), which has received the settlement authentication data of the buyer (p1), is the buyer through the delivery means (U) of its own delivery center or transportation company, as in the first embodiment. After shipping the product to (p1),
The receipt received with the signature of the buyer (p1) or the stamp of receipt is collected, and the payment by the financial institution (X) is transferred on the designated settlement date to complete the series of transactions. The delivery person
(U) may simply collect the receipt and report the delivery completion to the seller (a1). In addition, it is the first to handle insolvent status (for example, insufficient account balance), missing items, points system, etc.
Same as the embodiment. The designated settlement date is the same day as the shipment or delivery of goods or the provision of services (including posting) or after that.

[0042]

According to the present invention, if the buyer participates in the settlement system of the present invention, he / she can order the goods or services to the seller by the conventional method, and the payment can be executed. , The conventional transfer paper / transfer paper is completely unnecessary. As a result, it is very convenient for the buyer to save the labor of transferring and transferring the money. on the other hand,
The seller can use the order data from the buyer as the payment data as it is, the conventional payment method is not necessary, and the cost for collecting the payment can be significantly reduced. In addition, the buyer can specify the payment settlement date according to the convenience of the household at the time of ordering, which not only facilitates the management of the household budget, but also requires the buyer to inquire the transaction financial institution about the deposit balance etc. Disappear. Further, the data regarding the buyer's goods or services described in this order data can be used as it is as the data showing the buyer's purchasing tendency, and by analyzing this, it can be used as a very effective sales promotion tool. In addition, for financial institutions, it is possible to always understand the cash flow and settlement capacity of the buyer, the asset size, the life cycle and the financial transaction needs based on the order data sent from the seller. It can be used as a tool to grow customers.

Further, in the "multi-layered type", if the buyer is a seller registered in the settlement center, it can be cross-industry or cross-industry at any financial institution registered in the settlement center. This payment method can be used. On the other hand, if the seller's payment financial institution is registered in the payment center, the seller can sell the product or service by this payment method at any financial institution.

[Brief description of drawings]

FIG. 1 is a flow chart of a single-layer payment system according to the present invention.

FIG. 2 is a flow chart of a multi-layered payment system according to the present invention.

[Explanation of symbols]

(p1) (P2)… Buyer (A) Seller (AD) database (X) Financial institution

Claims (9)

[Claims] 1. When an order including a designated price settlement date for a product or service by a buyer, the seller collates the order data with its own database to confirm the identity of the buyer and the buyer through communication means. A payment inquiry request for confirming the account balance is sent to the financial institution, and the financial institution receiving the payment inquiry request confirms the buyer's account balance based on the payment inquiry request and the buyer can pay. After confirming that, the buyer returns the payment authentication data that authenticates that the buyer can make payment, the seller who receives the payment authentication data provides the product or service to the buyer, and the financial institution specifies it from the buyer's account. A single-layer date-specified payment method, wherein the payment is electronically transferred to the seller's account that sold the product or service on the payment date. 2. A payment from a buyer's account existing in any financial institution to a seller's account existing in any financial institution via a settlement center in which a plurality of financial institutions and multiple sellers participate, This is a multi-layered, fixed-date payment method in which electronic transfer is performed on the specified payment date specified by the buyer. Any participating financial institution that has a buyer's account submits a settlement inquiry request for verifying the buyer's identity by collating the data with its own database and confirming the buyer's account balance via the settlement center via communication means. The financial institution, which has received the payment inquiry request, confirms the buyer's account balance based on the payment inquiry request and confirms that the buyer can make payment. , The payment authentication data that authenticates that the buyer can make payment through the payment center is returned to the seller, and the seller who receives the payment authentication data provides the product or service to the buyer, and the financial institution receives the payment. The method of multi-layered date-specified payment settlement, wherein the payment is transferred from the account to the account existing at the participating financial institution of the seller who sold the product or service on the specified payment date. 3. The designated date payment method according to claim 1 or 2, wherein the designated settlement date is the same day as the shipping, posting or delivery of the goods or services or after the shipping, posting or delivery. 4. A server of a financial institution and a server of a seller. The money is transferred from a buyer's account at the financial institution to a seller's account at the financial institution, and electronically on a designated settlement date designated by the buyer. In the case of a designated date payment system in which the purchaser's server is used, the seller's server collates the order data with its own database for the order including the designated settlement date of the product or service by the buyer, and the buyer's own A settlement inquiry request for confirming and confirming the buyer's account balance by communication means is sent to the server of the financial institution, and the server of the financial institution receiving the data makes the buyer's account balance based on the transaction data. After confirming the payment ability of the buyer and confirming the payment ability of the buyer, the payment authentication data that authenticates that the buyer can make payment is returned to the server of the seller, and the payment authentication data is returned. The server of the seller who receives the data instructs the seller to provide the buyer with the product or service, and the server of the financial institution has the seller of the product or service selling the price from the buyer's account on the specified settlement date. A single-layer date-specified payment system that transfers to an account. 5. A server of a plurality of financial institutions, a server of a plurality of sellers, and a server for a settlement center that mediates between the servers, and a server of a participating financial institution via the server for the settlement center. By connecting to the participating seller's server, from the buyer's account at one of the participating financial institutions,
A designated-date payment system that electronically transfers the price to the seller's account at one of the participating financial institutions on the specified settlement date specified by the buyer, and the seller's server is the buyer's product or service , For the order including the designated settlement date, the order data is compared with the own database to confirm the identity of the buyer and to confirm the account balance of the buyer through the settlement center server by communication means. The payment inquiry request is sent to the server of any participating financial institution having the buyer's account, and the server of the financial institution receiving the payment inquiry request receives the payment inquiry request from the buyer based on the payment inquiry request sent from the payment center server. After confirming the account balance and confirming that the buyer can pay, the buyer is authenticated that the buyer can pay through the settlement center server. The settlement authentication data is returned to the seller's server, the seller's server receiving the settlement authentication data instructs the seller to provide the buyer with the product or service, and the server of the financial institution makes the purchaser's account From the specified payment date to the account of the seller existing in any participating financial institution that sold the product or service, a multi-layered date-specified payment system. 6. The designated date payment system according to claim 4 or 5, wherein the designated settlement date is the same day as the shipment, posting or delivery of the goods or services or after the shipping, posting or delivery. 7. A date-specified payment center server used in the date-specified payment system according to any one of claims 5 to 6, wherein the seller who sent the transaction data and the payment authentication data are sent. A server for a designated date payment center, which has a function of authenticating that the financial institution that has sent it is a person who can receive a designated payment service. 8. A server for a date-specified payment center used in the date-specified payment system according to any one of claims 4 to 6, wherein the ordered product or order service is not available to the seller. In the case where the seller who received the order procures the ordered product or the ordered service from another seller, the consideration is transferred from the account of the ordered seller to the account of another seller who has transferred the ordered product or the ordered service. A designated date settlement type payment center server characterized by issuing a command to a server of a financial institution. 9. A server for a date-specified payment center used in the date-specified payment system according to any one of claims 4 to 8, wherein points that a seller who receives an order issues to a buyer A designated date settlement type center server characterized by managing by buyer and seller.