JP2003242423A - Payment control server, payment control method and payment control program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a commerce system for allowing a purchaser of a commodity and service to optionally determine a payment schedule at any time. <P>SOLUTION: This payment control server is characterized by having a means for receiving a purchaser identifier from a purchaser terminal, a means for transmitting a summary of an unpaid purchase identifier of the purchaser to the purchaser terminal, a means for receiving a request of detailed information on either purchase identifier in the summary of the purchase identifier, a means for transmitting the detailed information including the purchase content and the payment balance on the purchase identifier to the purchaser terminal, a means for receiving a payment schedule including a payment day and a payment amount from the purchaser terminal, a means for requesting drawing-out to a bank, and a means for informing the purchaser terminal of the effect of completing the drawing-out and the payment balance. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment management server, a payment management method, and a payment management program, and in particular, a payment management server, a payment management method, and a payment management program that allow a purchaser of goods and services to freely decide a payment schedule. Regarding

[0002]

2. Description of the Related Art In a conventional installment payment transaction system, since one of the limited payment methods set by a credit card company or the like is selected, the flexibility of the payment method is extremely small.

[0003] The reason for this is that one of the backgrounds is the credit problem of whether payment is completely made.

[0004]

[Problems to be Solved by the Invention] However, in addition to the above reasons, the payment procedure becomes complicated, and the purchaser of goods / services checks the payment balance at any time to make a decision on the payment date / payment amount and settle the payment. It is also an important reason that there is no convenient mechanism for this.

An object of the present invention is to provide an arbitrary installment payment transaction system in which a purchaser of goods / services can arbitrarily determine and pay the number of times of payment, payment date, amount of payment at each time, etc. It is in.

[0006]

The first payment management server of the present invention is a payment management server used by a collector who collects the price of a product or service, and a purchaser used by the purchaser of the product or service. In a commercial transaction system in which a terminal is connected to a network, means for receiving a purchaser identifier for uniquely identifying the purchaser from the purchaser terminal, and the purchaser terminal corresponding to the received purchaser identifier Means for transmitting a list of purchase identifiers for uniquely identifying a purchaser's unpaid product or service, and details of any purchase identifier in the list of purchase identifiers from the purchaser terminal Means for receiving a request for information, means for transmitting, to the purchaser terminal, detailed information including purchase details and a payment balance for the purchase identifier that received the request, A means for receiving a payment schedule including a payment date and a payment amount from the purchaser terminal, a means for requesting a withdrawal from a bank based on the payment schedule received from the purchaser terminal, and the purchaser terminal, It is characterized in that it is provided with means for notifying the completion of the withdrawal and the payment balance each time the withdrawal is completed.

The second payment management server of the present invention comprises a simulation means capable of confirming in advance the amount of the payment balance when the payment is made based on the payment schedule in the first payment management server. It is characterized by having.

In a third payment management server of the present invention, a payment management server used by a collector who collects the price of a product or service and a purchaser terminal used by a purchaser of the product or service are connected to a network. In the commercial transaction system, a means for receiving a purchaser identifier for uniquely identifying the purchaser from the purchaser terminal, and the purchaser terminal not receiving payment of a purchaser corresponding to the received purchaser identifier. Means for transmitting a list of purchase identifiers for uniquely identifying completed products or services, and means for receiving, from the purchaser terminal, a request for detailed information on any purchase identifier in the list of purchase identifiers And means for transmitting to the purchaser terminal detailed information including purchase details and payment balance for the requested purchase identifier,
Means for receiving a payment amount from the purchaser terminal and receiving a request for generation of a transfer request document, and generating a transfer request document based on the request for generation of the transfer request document received from the purchaser terminal A means for transmitting to the purchaser terminal, a digital signature with the private key of the purchaser, and a transfer request document with a digital signature with the private key of the bank transfer management server that performed the transfer based on the transfer request document. , A means for receiving and verifying by an encrypted mail using the public key of the collector, and a means for notifying the purchaser terminal of the completion of the withdrawal and the payment balance.

In the first payment management method of the present invention, a payment management server used by a collector who collects the price of a product or service and a purchaser terminal used by a purchaser of the product or service are connected to a network. In the commercial transaction system, the payment management server receives a purchaser identifier for uniquely identifying the purchaser from the purchaser terminal, and the payment management server receives the purchaser terminal at the purchaser terminal. A step of transmitting a list of purchase identifiers for uniquely identifying a purchaser's unpaid goods or services corresponding to the purchaser identifier; and the payment management server, from the purchaser terminal, of the purchase identifier Receiving a request for detailed information about any of the purchase identifiers in the list, the payment management server telling the buyer terminal Transmitting detailed information including purchase details and payment balance for the requested purchase identifier; the payment management server receiving a payment schedule including a payment date and a payment amount from the purchaser terminal; The payment management server makes a withdrawal request to a bank based on the payment schedule received from the buyer terminal, and the payment management server causes the buyer terminal to withdraw money each time the withdrawal is completed. It is characterized by including the step of notifying the completion and the payment balance.

According to a second payment management method of the present invention, in the first payment management method, the payment management server predicts in advance how much the payment balance will be when the payment is made based on the payment schedule. It is characterized by including a simulation step that can be confirmed in.

In a third payment management method of the present invention, a payment management server used by a collector who collects the price of a product or service and a purchaser terminal used by a purchaser of the product or service are connected to a network. In the commercial transaction system, the payment management server receives a purchaser identifier for uniquely identifying the purchaser from the purchaser terminal, and the payment management server receives the purchaser terminal at the purchaser terminal. A step of transmitting a list of purchase identifiers for uniquely identifying a purchaser's unpaid goods or services corresponding to the purchaser identifier; and the payment management server, from the purchaser terminal, of the purchase identifier Receiving a request for detailed information about any of the purchase identifiers in the list, the payment management server telling the buyer terminal A step of transmitting detailed information including purchase details and payment balance for the requested purchase identifier, and the payment management server receives a payment amount from the purchaser terminal and receives a request for generation of a transfer request document The payment management server generates a transfer request document based on a request for generation of the transfer request document received from the purchaser terminal and transmits the transfer request document to the purchaser terminal; , A digital signature with the purchaser's private key, and a transfer request document with a digital signature with the private key of the bank transfer management server that performed the transfer based on the transfer request document, encrypted with the collector's public key Received and verified by a computerized email, and the payment management server notifies the purchaser terminal of the completion of the withdrawal and the payment balance. It is characterized in.

The first program of the present invention is a commercial transaction in which a payment management server used by a collector for collecting the price of a product or service and a purchaser terminal used by the purchaser of the product or service are connected to a network. In the system, a process of receiving a purchaser identifier for uniquely identifying the purchaser from the purchaser terminal, and payment of the purchaser corresponding to the received purchaser identifier of the purchaser to the purchaser terminal A process of transmitting a list of purchase identifiers for uniquely identifying a product or a service, and a process of receiving a request from the purchaser terminal for detailed information about any purchase identifier in the list of purchase identifiers, To the purchaser terminal, a process of transmitting detailed information including purchase details and a payment balance for the requested purchase identifier, and from the purchaser terminal, A process of receiving a payment schedule including a payment date and a payment amount, a process of requesting a withdrawal from a bank based on the payment schedule received from the buyer terminal, and the purchaser terminal each time the withdrawal is completed. The payment management server is caused to execute the processing of notifying the completion of the withdrawal and the payment balance.

In a second program of the present invention, in the first program, the payment management server is provided with a simulation process capable of confirming in advance how much the payment balance will be when the payment is made based on the payment schedule. It is characterized by making it execute.

A third program of the present invention is a commercial transaction in which a payment management server used by a collector for collecting the price of a product or service and a purchaser terminal used by the purchaser of the product or service are connected to a network. In the system, a process of receiving a purchaser identifier for uniquely identifying the purchaser from the purchaser terminal, and payment of the purchaser corresponding to the received purchaser identifier of the purchaser to the purchaser terminal A process of transmitting a list of purchase identifiers for uniquely identifying a product or a service, and a process of receiving a request from the purchaser terminal for detailed information about any purchase identifier in the list of purchase identifiers, To the purchaser terminal, a process of transmitting detailed information including purchase details and a payment balance for the requested purchase identifier, and from the purchaser terminal, A process of receiving a payment amount and receiving a request for generation of a transfer request document, and generating a transfer request document based on the request for generation of the transfer request document received from the purchaser terminal and transmitting the transfer request document to the purchaser terminal The processing, the digital signature by the purchaser's private key, and the transfer request document with the digital signature by the private key of the bank transfer management server, which performed the transfer based on the transfer request document, the public key of the collector. The payment management server is made to execute the process of receiving and verifying by the encrypted mail by the above, and the process of notifying the purchaser terminal that the withdrawal is completed and the payment balance.

[0015]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Next, the present invention will be described in detail with reference to the drawings.

First, the first embodiment of the present invention will be described in detail.

Referring to FIG. 1, the first embodiment of the present invention comprises a payment management server 100 and a purchaser terminal 200.

The payment management server 100 and the purchaser terminal 200 operate under program control and are connected to each other via a network 300.

The payment management server 100 is an information processing device under the control of a collector of the purchase price. Collecters include sellers of goods and services, credit card companies, etc.

The payment management server 100 also uniquely identifies a purchaser (hereinafter referred to as a purchaser identifier) and information uniquely identifies a product / service purchased by the purchaser (hereinafter referred to as a purchase identifier). ) Has.

Further, the payment management server 100 has personal information (address, name, telephone number, bank account information, e-mail address, etc.) of the purchaser, password, etc. as the information related to the purchaser identifier, and purchases. As information related to the identifier, the purchaser identifier of the purchaser, purchase details (purchase date,
It has items such as purchased products), basic payment information (standard payment date, standard payment amount, payment interest rate), payment history (payment date, payment amount), and the like.

The payment management server 100 has at least the following functions.

A function of receiving a purchaser identifier from the purchaser terminal 200 and transmitting a list of purchase identifiers of the purchaser who have not completed payment to the purchaser terminal 200.

A function of receiving a purchase identifier from the purchaser terminal 200 and sending the purchase details, payment basic information, payment history, payment balance, etc. to the purchaser terminal 200.

A function of periodically notifying the purchaser's e-mail address of the purchase identifier and the balance of payment until the payment is completed.

A function for receiving the purchaser identifier, the payment amount, the payment date, etc. from the purchaser terminal 200 and deducting the payment amount from the purchaser's bank account on the payment date.

Upon receipt of the completion of the withdrawal from the bank account, the payment history is updated, and the purchaser's e-mail address is notified of the completion of the withdrawal from the bank account, the payment balance, and the like.

The purchaser terminal 200 is an information processing device such as a personal computer used by the purchaser.

The purchaser terminal 200 has at least the following functions.

A function of sending a purchaser identifier to the payment management server 100, receiving a list of purchase identifiers of the purchaser who have not completed payment from the payment management server 100, and displaying the list on the screen.

A function of sending a purchase identifier to the payment management server 100 and receiving the purchase details, basic payment information, payment history, payment balance, etc. of the purchaser from the payment management server 100 and displaying it on the screen.

The purchaser identifier to the payment management server 100,
A function that sends out payment amount, payment date, etc., and requests withdrawal from a bank account.

Next, the overall operation of the first embodiment will be described in detail with reference to FIGS.

Here, the entire operation of the first embodiment of the present invention will be described by taking the following assumptions as an example.

The collector is a credit card company to which the purchaser subscribes.

The purchaser identifier is equivalent to the credit card number, and the purchaser's personal information and password are registered in advance in the payment management server 100.

The purchaser uses this credit card to purchase goods and services.

Therefore, the collector (credit card company) knows the purchase details (purchase date, purchased product, etc.), and this information is registered in the payment management server 100.

The purchase identifier is given by the collector (credit card company) to the above purchase and registered in the payment management server 100.

The payment basic information (standard payment date, standard payment amount, payment rate) is determined based on a rule previously agreed upon by the agreement between the purchaser and the collector (credit card company), and is set in the payment management server 100. It is registered.

The network 300 is the Internet.

Referring to FIG. 2, the purchaser accesses the payment management server 100 from his / her purchaser terminal 200 with a Web browser (step A1). After this,
The information is exchanged between the purchaser terminal 200 and the payment management server 100, which is encrypted by SSL or the like, and is not read during network transmission.

When the purchaser inputs the purchaser identifier (credit card number) and the password from the displayed screen (step A2), the payment management server 100 performs a login process to confirm that the purchaser has not completed the payment. The list of purchase identifiers is sent to the purchaser terminal 200 (step A3), and the purchaser terminal 200 receives the list and displays it on the screen (step A4).

When the purchaser selects any one of the purchase identifiers in the displayed list and requests the detailed information from the purchase management server 100 (step A5), the payment management server 100 informs the purchase contents ( Purchase date, purchase product, etc.), payment history (payment date, payment amount), payment balance, etc.
(Step A6), the purchaser terminal 200 receives it and displays it on the screen (step A7).

Next, the purchaser pays the payment date (after the next business day)
When a payment schedule including a payment amount is input and the payment management server 100 is requested (step A8), the payment management server 100, based on the payment schedule,
Make a withdrawal request to the bank (step A9).

When the withdrawal of the specified amount is completed on the specified date,
The payment management server 100 updates the payment history of the corresponding purchase identifier (step A10), and notifies the purchaser terminal 200 of the completion of the withdrawal and the payment balance by email (step A11).

The steps A1 to A11 are
The payment process is a one-time payment process, but may be a multi-payment process.

The payment schedule indicating how many times to pay, when to pay, how much to pay each time, etc.
It can be arbitrarily decided by the purchaser at any time (optional installment payment) and can be repeated until the payment is completed based on the purchaser's decision.

When making a decision, the payment management server 100 is provided with a function that allows the purchaser to simulate the payment schedule in advance, and the payment is made when the payment is made based on the payment schedule including the payment date and the payment amount. You can also check in advance how much your balance will be.

Further, the payment management server 100 may periodically notify the purchase identifier and the payment balance by e-mail until the payment is completed so that the purchaser does not forget to pay. There is also a method in which the purchaser can set the notification interval and the next notification date.

Next, the mathematical background of arbitrary installment payments will be described. When a purchaser purchases a product or provides a service, a standard payment amount (standard payment amount), a standard payment date (standard payment date), a payment interest rate, etc. are determined. In addition, the basic payment amount is basically the price of goods and services, and the basic payment date and the payment interest rate are determined based on the rules negotiated by the agreement between the purchaser and the collector, and the payment interest rate is It is set according to the purchaser's transaction record and creditworthiness.

Generally, the payment is divided into a plurality of times, but the payment amount of each time is converted into the present value on the base payment date based on the determined payment interest rate, and the total amount thereof is used as the base payment amount. Payment is completed when reached.

For example, if a product of 100,000 yen is purchased on January 1, and the standard payment amount: 100,000 yen, the standard payment date: February 1, the interest rate paid: 12% per annum is set. I assume.

As the first payment, 50,0 on March 1st
When paying 00 yen, the payment balance r on April 1 is calculated as follows. Payment balance r as of April 1
Is the amount r that will be paid when r Yen is paid on April 1.

The present value of the payment on March 1st (first time) on February 1st (reference payment date) is 50,000 ÷ (
1 + 0.12 ÷ 12 × 1) = 50,000 ÷
It will be 1.01, and the payment on April 1 (second time) will be February 1
The present value on the (basic payment date) is r ÷ (1 + 0.12 ÷ 12 × 2) = r ÷
It becomes 1.02.

Therefore, 50,000 ÷ 1.01 + r ÷ 1.02 = 100,
000 ∴ r = 51,504 As in the above calculation example, in the case of arbitrary installment payments, the payment balance changes daily.

As described in the above embodiment, the purchaser can refer to the current payment balance on the network and can be notified of the payment balance by e-mail until the payment is completed.

Next, the second embodiment of the present invention will be described in detail.

Referring to FIG. 3, the second embodiment of the present invention is a payment management server 100 and a purchaser terminal 200.
And a certificate authority 500 and a bank transfer management server 400.

The payment management server 100, the purchaser terminal 200, the certificate authority 500, and the bank transfer management server 40.
0 operates under program control, and network 30
They are connected to each other via 0.

The payment management server 100 is an information processing device under the control of a collector of the purchase price. Collecters include sellers of goods and services, credit card companies, etc.

Further, the payment management server 100 uniquely identifies a purchaser (hereinafter referred to as a purchaser identifier) and information that uniquely identifies each purchase of a product / service (hereinafter referred to as a purchase identifier). Have.

Further, the payment management server 100 has the purchaser's personal information (address, name, telephone number, bank account information, electronic mail address, etc.), password, etc. as the information related to the purchaser identifier, and purchases. As information related to the identifier, the purchaser identifier of the purchaser, purchase details (purchase date,
It has items such as purchased products), basic payment information (standard payment date, standard payment amount, payment interest rate), payment history (payment date, payment amount), and the like.

The payment management server 100 has at least the following functions.

A function of receiving a purchaser identifier from the purchaser terminal 200 and transmitting to the purchaser terminal 200 a list of purchaser identifiers for which the purchaser has not completed payment.

A function of receiving a purchase identifier from the purchaser terminal 200 and sending the purchase details, payment basic information, payment history, payment balance, etc. to the purchaser terminal 200.

A function of periodically notifying the purchaser's e-mail address of the purchase identifier and the payment balance until the payment is completed.

A function of receiving the purchase identifier and the transfer amount from the purchaser terminal 200, generating a transfer request document from the purchaser's bank account to the collector's bank account, and sending it to the purchaser terminal 200.

A function of receiving a settled transfer request document from the bank transfer management server 400 and updating the payment history.

The purchaser terminal 200 is an information processing device such as a personal computer used by the purchaser.

The purchaser terminal 200 has at least the following functions.

A function of sending a purchaser identifier to the payment management server 100, receiving a list of purchase identifiers of the purchaser who have not completed payment from the payment management server 100, and displaying the list on the screen.

A function of sending a purchase identifier to the payment management server 100 and receiving the purchase details, payment basic information, payment history, payment balance, etc. of the purchaser from the payment management server 100 and displaying it on the screen.

A function of sending the purchase identifier and the transfer amount to the payment management server 100, receiving the transfer request document generated by the payment management server 100, and displaying it on the screen.

The transfer request document is transferred to the bank transfer management server 4
Function to send to 00.

The bank transfer management server 400 is an information processing device that processes a transfer request from a bank account to a bank account, and is shared by a plurality of banks.

Further, the bank transfer management server 400 has at least the following functions.

A function of receiving the transfer request document sent from the purchaser terminal 200 and accepting the transfer request described in the transfer request document.

Upon receipt of the completion of the transfer process, a function of notifying the payment management server 100 that the transfer has been completed together with the settled transfer request document.

The certificate authority 500 is an information processing device that issues and manages keys (public keys / encryption keys) and issues certificates, which are the basis of network security, and is a reliable organization (national / local government, etc.). ) Is a public infrastructure.

Next, the overall operation of the present embodiment will be described in detail with reference to FIGS.

First, the premise is the same as in the first embodiment.

Referring to FIG. 4, the purchaser accesses the payment management server 100 from his / her purchaser terminal 200 with a Web browser (step B1). After this,
The information is exchanged between the purchaser terminal 200 and the payment management server 100, which is encrypted by SSL or the like, and is not read during network transmission.

When the purchaser inputs the purchaser identifier (credit card number) and the password from the displayed screen (step B2), the payment management server 100 performs the login process to confirm that the purchaser has not completed the payment. The list of purchase identifiers is sent to the purchaser terminal 200 (step B3), and the purchaser terminal 200 receives the list and displays it on the screen (step B4).

When the purchaser selects one of the purchase identifiers in the displayed list and requests the detailed information from the payment management server 100 (step B5), the payment management server 1
00 sends the purchase details (purchase date, purchased product, etc.), payment history (payment date, payment amount), payment balance, etc. to the purchaser terminal 200 (step B6), and the purchaser terminal 200 receives it. Display on the screen (step B7).

Next, when the purchaser inputs the payment amount and requests the payment management server 100 to generate a transfer request document (step B8), the payment management server 100 changes the purchaser's bank account to the collector's bank. An account transfer request document is generated and sent to the purchaser terminal 200 (step B9), and the purchaser terminal 200 receives it and displays it on the screen (step B).
10).

The transfer request document is a standardized electronic document in XML or the like, which allows the purchaser to confirm the contents, and the transfer request document contains information necessary for the processing of the payment management server 100. The purchase identifier is added (the information is not used for the transfer process between bank accounts). The generation of the transfer request document does not necessarily have to be performed by the payment management server 100 via the network 500, but may be performed by the purchaser terminal 200 by a script included in the Web page transmitted by the payment management server 100. .

When the purchaser obtains the public key of the bank transfer management server 400 from the certificate authority 500 (step B1
1) A digital signature based on the purchaser's private key is attached to the transfer request document, and this is sent to the bank transfer management server 400 by encrypted mail using the public key (step B1).
2).

The bank transfer management server 400 verifies that the transfer request document is a document issued by the purchaser himself, that the content of the transfer request document has not been tampered with by a digital signature of the purchaser's private key ( Step B13),
The transfer request document is accepted (step B14) and the transfer process is performed.

When the transfer process is completed, the bank transfer management server 400 digitally signs the transfer request document with the purchaser's private key (the digital signature attached to the mail received from the purchaser) and the bank transfer management server 400. The payment management server 100 is notified of the completion of the transfer by an electronic mail encrypted with the collector's public key, with the digital signature of the private key (step B15).

Upon receipt of the notification, the payment management server 100 determines that the transfer request document is a document issued by the purchaser,
Verify that the contents of the transfer request document have not been tampered with by the digital signature of the purchaser's private key, and that the notification from the bank transfer management server 400 is digitally signed by the private key of the bank transfer management server 400. (Step B16). Then, after verification, the payment history of the purchase identifier is updated based on the purchase identifier described in the transfer request document (step B17), and the purchaser terminal 200
Is notified of the completion of bank transfer by e-mail and the balance of payment (step B18).

[0092]

As described above, the present invention has the following effects.

The first effect is that the purchaser can freely schedule the payment of the purchase price. Therefore, the payment method can be flexibly determined according to the circumstances of the purchaser instead of selecting from the limited payment methods prepared in advance.

The second effect is that the payment date / payment amount can be determined and the settlement by a bank account can be performed anytime and anywhere if there is a connection environment to a network such as the Internet. Therefore, in principle, payment can be made from home, mobile environment, etc. for 24 hours without incurring time cost or moving cost, and convenience is significantly improved.

[Brief description of drawings]

FIG. 1 is a block diagram showing a configuration of a first exemplary embodiment of the present invention.

FIG. 2 is a flowchart of the operation of the first embodiment of the present invention.

FIG. 3 is a block diagram showing a configuration of a second exemplary embodiment of the present invention.

FIG. 4 is a flowchart of the operation of the second exemplary embodiment of the present invention.

[Explanation of symbols]

100 payment management server 200 Buyer terminal 300 networks 400 bank transfer management server 500 Certificate Authority

Claims (9)

[Claims] 1. A commercial transaction system in which a payment management server used by a collector who collects the price of a product or service and a purchaser terminal used by a purchaser of the product or service are connected to a network, wherein the purchaser terminal Means for receiving a purchaser identifier for uniquely identifying the purchaser, and uniquely identifying, on the purchaser terminal, a purchaser's unpaid product or service corresponding to the received purchaser identifier. Means for transmitting a list of purchase identifiers for doing, a means for receiving detailed information request from the purchaser terminal for detailed information about any purchase identifier in the list of purchase identifiers, the purchaser terminal, the Means for transmitting detailed information including purchase details and payment balance for the requested purchase identifier, and payment including payment date and payment amount from the purchaser terminal A means for receiving a schedule, a means for requesting a withdrawal from a bank based on the payment schedule received from the purchaser terminal, and a purchaser terminal for each time the withdrawal is completed and a payment A payment management server comprising means for notifying a balance. 2. The payment management server according to claim 1, further comprising a simulation unit capable of confirming in advance how much the payment balance will be when the payment is made based on the payment schedule. 3. A commercial transaction system in which a payment management server used by a collector for collecting the price of a product or service and a purchaser terminal used by a purchaser of the product or service are connected to a network, wherein the purchaser terminal Means for receiving a purchaser identifier for uniquely identifying the purchaser, and uniquely identifying, on the purchaser terminal, a purchaser's unpaid product or service corresponding to the received purchaser identifier. Means for transmitting a list of purchase identifiers for doing, a means for receiving detailed information request from the purchaser terminal for detailed information about any purchase identifier in the list of purchase identifiers, the purchaser terminal, the Means for transmitting detailed information including purchase details and payment balance for the requested purchase identifier, and a payment request received from the purchaser terminal Means for receiving a request to generate a transfer request, a means for generating a transfer request document and transmitting the transfer request document to the purchaser terminal based on the request for generating the transfer request document received from the purchaser terminal; Receive the transfer request document with the digital signature by the private key and the digital signature by the private key of the bank transfer management server that performed the transfer based on the transfer request document, by the encrypted mail with the public key of the collector. A payment management server comprising means for verifying and means for notifying the purchaser terminal of the completion of withdrawal and a payment balance. 4. A payment management server used by a collector who collects the price of a product or service, and a purchaser terminal used by a purchaser of the product or service connected to a network, wherein the payment management server. Receiving a purchaser identifier for uniquely identifying the purchaser from the purchaser terminal, the payment management server, in the purchaser terminal, the purchaser corresponding to the received purchaser identifier A step of transmitting a list of purchase identifiers for uniquely identifying the unpaid goods or services, and the payment management server, from the purchaser terminal, selects any purchase identifier from the list of purchase identifiers. Requesting detailed information about the purchase identifier from the purchaser terminal to the purchaser terminal. A step of transmitting detailed information including all purchase details and a payment balance; the payment management server receiving a payment schedule including a payment date and a payment amount from the purchaser terminal; and the payment management server, A step of requesting a withdrawal from a bank based on the payment schedule received from the purchaser terminal; the payment management server, to the purchaser terminal, each time the withdrawal is completed, the fact that the withdrawal is completed and the payment balance. And a step of notifying the payment management method. 5. The payment management server according to claim 1, further comprising a simulation step capable of confirming in advance how much the payment balance will be when the payment is made based on the payment schedule. Payment management method. 6. A payment management server used by a collector who collects the price of goods or services, and a purchaser terminal used by the purchaser of the goods or services connected to a network, wherein the payment management server Receiving a purchaser identifier for uniquely identifying the purchaser from the purchaser terminal, the payment management server, in the purchaser terminal, the purchaser corresponding to the received purchaser identifier A step of transmitting a list of purchase identifiers for uniquely identifying the unpaid goods or services, and the payment management server, from the purchaser terminal, selects any purchase identifier from the list of purchase identifiers. Requesting detailed information about the purchase identifier from the purchaser terminal to the purchaser terminal. Sending detailed information including purchase contents and payment balance, the payment management server receives a payment amount from the purchaser terminal, and receives a request to generate a transfer request document, the payment management A step of generating a transfer request document based on a request for generating the transfer request document received from the purchaser terminal and transmitting the transfer request document to the purchaser terminal; and the payment management server secret of the purchaser. Receive the digital signature with the key and the transfer request document with the digital signature with the private key of the bank transfer management server that performed the transfer based on the transfer request document by the encrypted mail with the public key of the collector and verify it. And a step of the payment management server notifying the purchaser terminal of the completion of the withdrawal and the payment balance. Method. 7. A commercial transaction system in which a payment management server used by a collector for collecting the price of a product or service and a purchaser terminal used by a purchaser of the product or service are connected to a network, wherein the purchaser terminal Process of receiving a purchaser identifier for uniquely identifying the purchaser, and uniquely identifying, on the purchaser terminal, a purchaser's unpaid product or service corresponding to the received purchaser identifier. A process of transmitting a list of purchase identifiers for performing, a process of receiving a request from the purchaser terminal for detailed information about any purchase identifier in the list of purchase identifiers, the purchaser terminal, A process of transmitting detailed information including a purchase content and a payment balance for the requested purchase identifier, and a payment including a payment date and a payment amount from the purchaser terminal A process of receiving a schedule, a process of requesting a withdrawal from a bank based on the payment schedule received from the purchaser terminal, and a process of requesting the purchaser terminal to complete the withdrawal and paying each time the withdrawal is completed. A program for causing the payment management server to execute processing of notifying a balance. 8. The payment management server is caused to execute a simulation process capable of confirming in advance how much a payment balance will be when payment is made based on the payment schedule. program. 9. A commercial transaction system in which a payment management server used by a collector for collecting the price of a product or service and a purchaser terminal used by a purchaser of the product or service are connected to a network, wherein the purchaser terminal Process of receiving a purchaser identifier for uniquely identifying the purchaser, and uniquely identifying, on the purchaser terminal, a purchaser's unpaid product or service corresponding to the received purchaser identifier. A process of transmitting a list of purchase identifiers for performing, a process of receiving a request from the purchaser terminal for detailed information about any purchase identifier in the list of purchase identifiers, the purchaser terminal, A process of transmitting detailed information including purchase details and a payment balance for the requested purchase identifier, and a payment amount received from the purchaser terminal, and a transfer request A request to generate a transfer request document, a process of generating a transfer request document based on a request to generate the transfer request document received from the purchaser terminal, and transmitting the transfer request document to the purchaser terminal; Receive the transfer request document with the digital signature by the private key and the digital signature by the private key of the bank transfer management server that performed the transfer based on the transfer request document, by the encrypted mail with the public key of the collector. A program for causing the payment management server to execute a process of verifying and a process of informing the purchaser terminal of the completion of withdrawal and a payment balance.