JP2004086835A - Electronic settlement server, electronic settlement system, method and program for electronic settlement - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electronic settlement system in which settlement can be made based on an e-mail address. <P>SOLUTION: The electronic settlement system of the invention comprises: a network 40A; an electronic settlement server 10 for making settlement; a cellular phone 30A and a PC 30B as a terminal on a user side for requesting the settlement by notify the electronic settlement server 10 of the e-mail address; providers 50A, 50B; an electronic store server 60A offering goods or service on network 40A; an actual store 60B offering goods or service; A bank A 20A and a bank B 20B in which an user have accounts; the electronic settlement server 10; and a bank network 40B exclusively for the banks connecting the bank A 20A with the bank B 20B. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to an electronic payment server electronic payment system, a payment method, and a program for performing payment processing on a computer network such as the Internet. In particular, the present invention relates to an electronic payment server, an electronic payment system, an electronic payment method, and a program for performing payment processing based on an email address.
[0002]
[Prior art]
2. Description of the Related Art Conventionally, a computer network (hereinafter, simply referred to as a “network”) that connects a plurality of computers by a communication line and stores and exchanges data and programs between the plurality of computers and shares data and the like has been constructed. ing.
[0003]
As a method of such a network, there is an open network method in which a computer can be freely connected in principle if it conforms to a predetermined communication protocol and the like, and a computer such as a connected computer in which the network is managed by a host computer and the like. 2. Description of the Related Art There is a closed network system in which terminal devices are provided with certain restrictions such as security so that unmanaged computer nodes are not connected to a network.
[0004]
The Internet is a typical example of the open network system described above. In the Internet, TCP (Transfer Control Protocol) / IP (Internet Protocol) is adopted as a communication protocol. In principle, any computer that complies with this communication protocol can be connected to a network.
[0005]
2. Description of the Related Art In recent years, multimedia environments such as the World Wide Web (WWW) have been prepared in the background of a free network environment such as the Internet. In particular, recently, many Internet businesses (e-businesses) that provide specific services using the Internet have been proposed and operated.
[0006]
In the Internet business (e-business), there is also a service in which a virtual shop is provided on the server side, a sample photograph of a product, an explanatory note, and the like are posted on a Web page, and the product is bought and sold.
[0007]
As such an electronic commerce settlement method, for example, there is a method in which a settlement server is provided on the Internet and the settlement of the electronic commerce is performed by the settlement server, as disclosed in Patent Publication 2002-288574.
[0008]
[Problems to be solved by the invention]
However, according to the conventional electronic settlement system, it is necessary to notify the transfer source of the account information (such as a branch number and an account number) of the transfer destination. For this reason, for example, in the case of settlement in an Internet auction, the user must notify his or her unfamiliar partner with his or her account information, and there is a problem that it is not possible to promote the use of electronic settlement due to psychological resistance. there were.
[0009]
In addition, in the case of performing electronic payment, both a transfer source and a transfer destination account are required in the electronic bank. For this reason, electronic settlement cannot be performed with an existing account, and there has been a problem in the immediacy of settlement.
[0010]
Accordingly, an object of the present invention is to provide an electronic settlement server, an electronic settlement system, an electronic settlement method, and a program that can perform settlement processing based on an e-mail address on a computer network such as the Internet and promote the use of electronic settlement. It is to provide.
[0011]
[Means for Solving the Problems]
In order to solve the above problems, an electronic settlement server of the present invention is an electronic settlement server that performs settlement processing on a network, and includes a settlement processing unit that performs settlement processing based on account information, an e-mail address and an account of a user. E-mail address storage means for associating and storing information; and e-mail address and account information associated with the user registered in the e-mail address storage means, and account information stored in the e-mail address storage means based on the received e-mail address. And e-mail address processing means for reading the information and notifying the settlement processing means.
[0012]
Here, the mail address processing means can register the user's e-mail address and account information in association with each other via a dedicated screen for each user. Here, the dedicated screen for each user may be a dedicated screen for temporary registration and a dedicated screen for main registration. Further, when the e-mail address processing unit notifies the user of the dedicated screen for the main registration for a predetermined number of times or more, the mail address processing unit can delete the temporary registration of the user.
[0013]
Here, the dedicated screen for each user is a Web page, and the mail address processing means notifies the user of the URL (Uniform Resource Locator) of the Web page, and notifies the user of the URL by e-mail. Can be.
[0014]
Further, the mail address processing means may authenticate the registration with a password assigned to each user.
[0015]
Further, a settlement result storage means for storing the settlement result processed by the settlement processing means, an e-mail notification processing means for creating and transmitting a settlement result notification mail based on the settlement result stored in the settlement result storage means. , Can be provided.
[0016]
Further, when the electronic mail address of the transfer destination is not registered in the mail address storage means, the payment processing means can perform the payment processing after registering the electronic mail address of the transfer destination. At this time, if the e-mail address of the transfer destination is not registered in the e-mail address storage means, the e-mail notification processing means sends the e-mail requesting registration of the e-mail address of the transfer destination to the e-mail address of the transfer destination. It is good to transmit to.
[0017]
Also, the mail notification processing means can transmit the electronic mail address requesting registration of the transfer destination electronic mail to the transfer destination electronic mail address by indicating the URL indicating the registration Web page. At this time, the registration Web page notified by the mail notification processing means is a Web page for registering an e-mail address of a transfer destination and registering a settlement password, and the settlement processing means is configured to transmit the e-mail of the transfer destination. Payment processing may be performed when the address and the payment password match.
[0018]
Further, in order to solve the above problems, an electronic settlement system of the present invention includes an electronic settlement server that performs settlement processing on a network, and a user terminal that requests settlement processing by notifying an electronic mail address to the electronic settlement server. , Wherein the electronic payment server is the electronic payment server described above.
[0019]
Here, the payment processing means of the electronic payment server can perform the payment processing according to the payment destination confirmation and the notification of the password from the user side terminal.
[0020]
Further, the settlement processing means of the electronic settlement server can perform settlement processing when an account is held in the electronic settlement server, or can execute settlement processing between different bank accounts.
[0021]
Further, in order to solve the above problem, an electronic settlement method of the present invention is an electronic settlement method for performing settlement processing on a network, and (A) associates and registers an e-mail address of a user with account information; A) performing payment processing in response to the notification of the e-mail address.
[0022]
Further, (C) the result of the settlement process can be notified.
[0023]
Here, in the step (A), the registration process may be performed by temporary registration for temporarily registering an e-mail address and main registration for authenticating the temporary registration. In addition, the step (A) may perform the main registration using a password. Further, in the step (A), the URL of the registration Web page is notified, and the registration processing can be performed via the registration Web page.
[0024]
Further, the step (B) may perform the settlement processing in accordance with the confirmation of the payee and the notification of the personal identification number.
[0025]
In the step (C), a URL for confirming detailed information of the transaction type and the settlement result can be notified as a result of the settlement process.
[0026]
Further, in the step (B), the settlement process may be performed when the account of the transfer destination and the e-mail address of the transfer destination are registered. At this time, in step (B), if there is no transfer destination account registration or transfer destination e-mail address registration, an e-mail requesting the transfer destination account registration and the transfer destination e-mail address registration is sent. It is good to transmit to the electronic mail address of a transfer place.
[0027]
At this time, in the step (B), it is preferable that the URL requesting the registration of the e-mail address of the transfer destination is transmitted to the e-mail address of the transfer destination by indicating the URL indicating the Web page for registration. Step (B) shows (B1) a registration Web page for registering the transfer destination e-mail address and registering the settlement password in the e-mail requesting registration of the transfer destination e-mail address. The URL is indicated and transmitted to the e-mail address of the transfer destination. (B2) In the payment processing, the e-mail address of the transfer destination and the settlement password are checked, and the e-mail address and the settlement password match. In such a case, the settlement process is performed.
[0028]
Further, in order to solve the above-mentioned problem, a program according to a first aspect of the present invention is a program for causing a computer to perform payment on a network, and for causing the computer to realize the function of the electronic payment server described above. The program is characterized by:
[0029]
Further, in order to solve the above problem, a program according to a second aspect of the present invention is a program for causing a computer to perform payment on a network, and for causing a computer to realize the processing of the above-described electronic payment method. The program is characterized by:
[0030]
Since the settlement process is performed based on the e-mail address, the use of electronic settlement can be effectively promoted.
[0031]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, embodiments of an electronic payment server, an electronic payment system, an electronic payment method, and a program according to the present invention will be described with reference to the drawings.
[0032]
FIG. 1 is a diagram showing one embodiment of the electronic payment system of the present invention. This electronic payment system includes a network 40A such as the Internet, an electronic payment server 10 for performing payment processing, and a mobile phone 30A as a user-side terminal for requesting payment processing by notifying an electronic mail address to the electronic payment server 10. A PC (Personal Computer) 30B, a provider 50A that communicably connects the mobile phone 30A to the network 40A, a provider 50B that communicably connects the PC 30B to the network 40A, and an electronic device that provides goods and services on the network 40A. A store server 60A, a real store 60B providing goods and services, a bank A 20A and a bank B 20B holding user accounts, an electronic settlement server (electronic bank) 10, a bank A 20A and a bank B 20B Bank dedicated bank And a network (such as Zengin Net) 40B.
[0033]
Here, the network 40A can be constructed using the Internet or an intranet. In this case, an existing application or system conforming to the Internet communication protocol can be used, so that the electronic payment system of the present invention can be realized at low cost.
[0034]
FIG. 2 is a diagram illustrating an example of a configuration of the electronic payment server 10 illustrated in FIG. 2, the electronic payment server 10 includes a communication control unit 11 connected to a network 40A and a bank network 40B, an account information DB (Data Base) 16A storing account information of a user registered in the electronic payment server 10, and , A temporary account information DB 16B for temporarily storing account information of the A bank 20A and the B bank 20B, and a payment process for performing a payment process based on account information stored in the account information DB 16A and / or the temporary account information DB 16B. Unit 15, a user information DB 14 for storing user information such as the user's name and address, a mail address DB 13 for storing the user's e-mail address in association with account information, and a user's e-mail address and account in the mail address DB 13. Register the information by associating it with the e-mail address The e-mail address processing unit 12 reads out the account information stored in the e-mail address DB 13 and notifies the settlement processing unit 15, the settlement result DB 17 stores the settlement result processed by the settlement processing unit 15, and the settlement result DB 17 An e-mail notification processing unit 18 that creates and transmits a settlement result notification e-mail based on the stored settlement result and a notification e-mail DB 19 that stores the contents of the notice created by the e-mail notification processing unit 18 are provided.
[0035]
Here, the e-mail address processing unit 12 registers the user's e-mail address and account information in association with each other via a dedicated screen for each user (a dedicated screen for temporary registration and a dedicated screen for official registration).
[0036]
Further, when the e-mail address processing unit 12 notifies the user of the dedicated screen for the official registration for a predetermined number of times, the e-mail address processing unit 12 deletes the temporary registration of the user.
[0037]
The dedicated screen for each user is provided on a Web page, and the mail address processing unit 12 notifies the user side terminals 30A and 30B of the URL (Uniform Resource Locator) of the Web page by e-mail.
[0038]
In addition, the mail address processing unit 12 authenticates the registration using the login password for the dedicated Web page assigned to each user.
[0039]
Here, the payment processing unit 15 of the electronic payment server 10 performs payment processing in response to the payment destination confirmation and the notification of the password from the user terminals 30A and 30B.
[0040]
In addition, the payment processing unit 15 of the electronic payment server 10 can perform a payment process when an account is held in the electronic payment server 10, or can perform payment processing between different bank accounts (A bank 20A, B bank 20B, and / or Alternatively, settlement processing can be performed between electronic settlement servers (electronic banks).
[0041]
Next, an electronic settlement method using the electronic settlement system and the electronic settlement server 10 of the present invention shown in FIGS. 1 and 2 will be described.
[0042]
3 to 6 are flowcharts showing the electronic payment method of the present invention. Here, FIG. 3 is a flowchart showing an outline of the entire electronic settlement method of the present invention. FIG. 4 is a flowchart showing an e-mail address registration process. FIG. 5 is a flowchart showing the settlement processing. FIG. 6 is a flowchart showing a settlement result notification process.
[0043]
1 to 6, first, the user accesses the communication control unit 11 of the electronic payment server 10 via the network 40A from the browser activated on the user-side terminals 30A and 30B, and registers the e-mail address. Is performed (step 301).
[0044]
Specifically, in FIG. 4, first, user information is input from the user terminals 30A and 30B, and the mail address processing unit 12 registers the user information in the user information DB 14. The mail address processing unit 12 approves the registration of the e-mail addresses from the user terminals 30A and 30B based on the user information registered in the user information DB 14 (Step 401).
[0045]
After approval of the user, the mail address processing unit 12 allocates a Web page for registering an e-mail address to each user, and transmits the URL (Uniform Resource Locator) to the user terminals 30A and 30B via the mail notification processing unit 18. Notification is made by e-mail (step 402).
[0046]
The user side terminals 30A and 30B access this Web page to temporarily register an e-mail address and account information (bank number, branch number, account number, etc.) (step 403). The mail address processing unit 12 associates the input e-mail address with the account information and registers it in the mail address DB 13. Here, a plurality of e-mail addresses and account information can be registered. At this time, the login password for the official registration is notified to the user terminals 30A and 30B. This notification of the login password may be performed in the processing of step 401 or step 402.
[0047]
Next, the e-mail address processing unit 12 delivers an e-mail including a URL designating a Web page for official registration to the temporarily registered e-mail address (step 404). Here, if the distribution of the e-mail is not successful (step 405) and is repeated a predetermined number of times or more (step 406), the temporary registration is deleted (step 407).
[0048]
When an e-mail is received by the user terminals 30A and 30B and the URL of the official registration Web page is specified from the user terminals 30A and 30B, a request for a login password is made from the mail address processing unit 12 (step 408). . Here, if the login passwords do not match (step 409), and the input error of the login password is repeated a predetermined number of times or more (step 410), the temporary registration is deleted (step 407).
[0049]
If the login passwords match (step 409), a registration confirmation screen (Web page for final registration) is provided. If there is a registration request from the user terminals 30A and 30B (step 411), the user's e-mail is sent. The address and account information are formally registered (step 412). On the other hand, if there is a temporary registration deletion request or a cancellation request in step 411, the temporary registration is deleted (step 407). This temporary registration can be deleted at any processing stage after the temporary registration in step 403 and before the main registration in step 412.
[0050]
The above is the e-mail address registration processing (step 301). Next, a settlement process (step 302) is performed. A specific example of this settlement process will be described with reference to FIG.
[0051]
In FIG. 5, first, the transfer source obtains the electronic mail address of the transfer destination (step 501). Next, an e-mail address of a transfer destination is input from the user terminals 30A and 30B (step 502). Here, a transfer Web page may be assigned to each user. Further, by inputting from the dedicated Web page, there is no need to input the e-mail address of the transfer source.
[0052]
The mail address processing unit 12 specifies the transfer destination by the e-mail address, and notifies the user terminals 30A and 30B of the transfer destination name (step 503).
[0053]
The transfer destination is confirmed at the user terminals 30A and 30B (step 504), and if there is no transfer destination correction or transfer cancellation (step 505), an authentication process is performed. This authentication processing is performed by inputting a password for account transfer (step 506). Here, if the passwords do not match (step 507) and the input error of the password is repeated a predetermined number of times or more (step 508), the settlement process is not performed.
[0054]
If the passwords match in step 507, the transfer destination and the account information of the transfer source are specified based on the specified e-mail address, and a settlement process is performed (step 509). This result is stored in the settlement result DB 17.
[0055]
Here, as a pattern of the payment process,
(1) When the transactions are performed between accounts in the electronic settlement server 10 (account information in the account information DB 16A).
(2) When the transaction is made between an account in the electronic settlement server 10 and an account of another bank (Bank A 20A or Bank B 20B)
(3) When the transfer is made between accounts of other banks (Bank A 20A and Bank B 20B)
There is.
[0056]
In the above cases (2) and (3), the account information of Bank A 20A and Bank B 20B can be obtained from the respective banks via the network 40A or the bank network 40B, and these information are temporarily stored in the temporary account information DB 16B. Is memorized. The payment processing unit 15 can perform provisional payment based on account information temporarily stored in the provisional account information DB 16B, and can perform actual payment later.
[0057]
The above is the settlement processing in step 302 of FIG. Next, a notification distribution process is performed (step 303).
[0058]
In FIG. 6, the mail notification processing unit 18 creates a notice mail of the settlement result based on the settlement result stored in the settlement result DB 17 and stores it in the notice mail DB 19. Here, only the transaction type is described in the notification mail, and details can be made on the Web page. Accordingly, the transaction type and this URL are described in the notification mail, and are delivered to the user terminals 30A and 30B as an e-mail (step 601).
[0059]
The user terminals 30A and 30B access the Web page of the URL included in the e-mail (step 602), and check details of the transaction contents (payment result) (step 603).
[0060]
Although the electronic payment method has been described above, in the above-described payment processing (step 302, steps 501 to 509), when the account registration and the e-mail address of the transfer destination are not registered, or the account registration of the transfer destination is performed. However, a specific example of the settlement process when the e-mail address is not registered will be described with reference to FIG.
[0061]
In FIG. 7, first, the transfer source (payer) obtains the e-mail address of the transfer destination (payee) (step 701). Next, transfer information including the electronic mail address of the transfer destination (hereinafter, also simply referred to as “payee mail address”), the payment amount, the payment details, and the payer address is input from the user terminals 30A and 30B (step 702). . Here, a transfer Web page may be assigned to each user. Further, by inputting from the dedicated Web page, there is no need to input the e-mail address of the transfer source.
[0062]
The input contents are confirmed on the user terminals 30A and 30B (step 703), and if there is no transfer destination correction or transfer cancellation (step 704), an authentication process is performed. This authentication processing is performed by inputting a personal identification number (step 705). Here, if the passwords do not match (step 706) and the input error of the password is repeated a predetermined number of times (step 707), this settlement process is not performed.
[0063]
If the passwords match in step 706, the transfer account information and the registration of the payee e-mail address are confirmed based on the specified payee e-mail address (step 708).
[0064]
At this time, if the transfer destination account has not been opened or the payment destination e-mail address has not been registered (step 709), the transfer destination account is opened and / or the payment destination e-mail address is registered. The request e-mail is transmitted to the payee e-mail address (step 710).
[0065]
In response to a request for account opening and / or e-mail registration, processing for account opening and / or e-mail registration is performed from the terminal of the transfer destination (payee) (step 711). In this process, the same process as in step 301 (steps 401 to 411) described above may be performed.
[0066]
In step 709, the registration of the account information of the transfer destination and the mail address of the payee are confirmed, or when the processing of step 711 is completed, the settlement processing is performed based on the account information of the transfer destination and the transfer source (step 712). This result is stored in the settlement result DB 17.
[0067]
Here, as a pattern of the payment process,
(1) When the transactions are performed between accounts in the electronic settlement server 10 (account information in the account information DB 16A).
(2) When the transaction is made between an account in the electronic settlement server 10 and an account of another bank (Bank A 20A or Bank B 20B)
(3) When the transfer is made between accounts of other banks (Bank A 20A and Bank B 20B)
There is.
[0068]
In the above cases (2) and (3), it is not necessary to open a transfer destination account in the electronic payment server 10 in step 711, and the transfer source account may not be in the electronic payment server 10. Account information of Bank A 20A and Bank B 20B can be obtained from each bank via network 40A or bank network 40B, and these information are temporarily stored in temporary account information DB 16B. The payment processing unit 15 can perform provisional payment based on account information temporarily stored in the provisional account information DB 16B, and can perform actual payment later.
[0069]
The above is an example of another embodiment of the settlement processing in step 302 of FIG. Thereafter, notification distribution processing is performed in the same manner as described above (step 303).
[0070]
Next, another specific example of the processing of steps 709 to 712 described above will be described. The following example shows a more secure account management method. That is, in the present invention described below, the e-mail address functions as the ID (identifier) of the settlement process, so that another person having the same name and the same name uses the same e-mail address (for example, if the person A is Suzuki ( Last name) Taro (first name) and an e-mail address of ST {xxx.yyy, but it is not used at present, and Person B is named ST @ Suzuki (first name) and Taro (first name). (when the e-mail address of xxx.yyy is currently used), the settlement process is performed accurately.
[0071]
FIG. 8 is a flowchart showing more specific processing of steps 709 to 712 shown in FIG. In FIG. 8, if the payment destination e-mail address has not been registered (step 709-1), an e-mail requesting registration of the payment destination e-mail address is transmitted to the payment destination e-mail address (step 710-1). This registration request can be made by e-mail, and the registration request e-mail includes a registration URL indicating a Web page for registering the payee e-mail address.
[0072]
The notified URL for registration is accessed from a terminal (PC, mobile phone, or the like) on the user side of the payee (step 710-2), and the payee e-mail address is registered in the electronic settlement server 10 on this Web page. At this time, a password for settlement is registered at the same time (step 711-1).
[0073]
After confirming the registration of the payment destination e-mail address, the establishment of the transfer destination account (payment destination account) is confirmed (step 709-2). If the account of the transfer destination has not been opened (step 709-2), an e-mail requesting the account registration / designation of the transfer destination is transmitted to the payee e-mail address (step 710-3). The account registration / designation request can be made by e-mail, and the account registration / designation request e-mail includes an account registration / designation URL indicating a Web page for registering a payee account. And do it.
[0074]
Access the notified URL for account registration / designation from the terminal (PC, mobile phone, etc.) on the user side of the payee (step 710-4), and register or pay the payee account (transfer account) on this Web page. A transfer destination bank account is designated (step 711-2).
[0075]
When the account information of the transfer destination and the registration of the payee e-mail address are confirmed, settlement processing is performed based on the account information of the transfer destination and the transfer source (step 712). At this time, an e-mail for payment confirmation is transmitted to the payee e-mail address. The e-mail notifies the URL indicating the payment confirmation Web page. The payee user inputs a payment password registered in advance on the payment confirmation Web page. Thereby, the settlement password is collated in the electronic settlement server 10, and if the password is correct, the settlement processing is executed. This result is stored in the settlement result DB 17.
[0076]
Here, as a pattern of the payment process,
(1) When the transactions are performed between accounts in the electronic settlement server 10 (account information in the account information DB 16A).
(2) When the transaction is made between an account in the electronic settlement server 10 and an account of another bank (Bank A 20A or Bank B 20B)
(3) When the transfer is made between accounts of other banks (Bank A 20A and Bank B 20B)
There is.
[0077]
In the above cases (2) and (3), the account information of Bank A 20A and Bank B 20B can be obtained from the respective banks via the network 40A or the bank network 40B, and these information are temporarily stored in the temporary account information DB 16B. Is memorized. The payment processing unit 15 can perform provisional payment based on account information temporarily stored in the provisional account information DB 16B, and can perform actual payment later.
[0078]
As described above, the electronic payment server, the electronic payment system, and the electronic payment method of the present invention have been described. However, the functions of the electronic payment server and the processing of the electronic payment method can be a program that can be executed by a computer or the like.
[0079]
【The invention's effect】
As described above, according to the electronic payment server, the electronic payment system, the electronic payment method, and the program of the present invention, the payment processing can be performed based on the e-mail address. For this reason, the use of electronic payment can be effectively promoted.
[Brief description of the drawings]
FIG. 1 is a diagram showing an example of an electronic payment system of the present invention.
FIG. 2 is a diagram illustrating an example of an electronic payment server of the present invention.
FIG. 3 is a flowchart showing an electronic settlement method of the present invention.
FIG. 4 is a flowchart showing an electronic settlement method of the present invention.
FIG. 5 is a flowchart showing an electronic settlement method of the present invention.
FIG. 6
It is a flowchart which shows the electronic payment method of this invention.
FIG. 7
It is a flowchart which shows the electronic payment method of this invention.
FIG. 8
A flow chart showing more specific processing of steps 709 to 712 shown in FIG.
It is a chart.
[Explanation of symbols]
10 Electronic payment server
11 Communication control unit
12 Email address processing section
13 Email address DB
14 User information DB
15 Settlement processing section
16A Account Information DB
16B Temporary account information DB
17 Settlement result DB
18 Email notification processing unit
19 Notification Mail DB
20A Bank A
20B Bank B
30A mobile phone
30B PC
40A network
40B Bank Network
50A, 50B Provider
60A electronic store server
60B real store

Claims (29)

An electronic payment server that performs payment processing on a network,
Payment processing means for performing payment processing based on the account information;
Mail address storage means for storing the user's e-mail address and account information in association with each other;
Registers the user's e-mail address and account information in the mail address storage means in association with each other, reads out the account information stored in the mail address storage means based on the received e-mail address, and notifies the settlement processing means. Mail address processing means,
An electronic payment server, comprising: 2. The electronic settlement server according to claim 1, wherein the e-mail address processing unit associates and registers the e-mail address of the user and the account information via a dedicated screen for each user. The electronic payment server according to claim 2, wherein the dedicated screen for each user is a dedicated screen for temporary registration and a dedicated screen for main registration. The electronic settlement server according to claim 3, wherein the mail address processing means deletes the temporary registration of the user when the user is notified of the dedicated screen for the official registration a predetermined number of times or more. The dedicated screen for each user is a Web page,
The electronic settlement server according to any one of claims 2 to 4, wherein the mail address processing unit notifies a user of a URL (Uniform Resource Locator) of the Web page. 6. The electronic settlement server according to claim 5, wherein the mail address processing unit notifies the URL by an electronic mail. 7. The electronic settlement server according to claim 1, wherein the mail address processing unit authenticates the registration using a password assigned to each user. further,
Payment result storage means for storing the payment result processed by the payment processing means,
Mail notification processing means for creating and transmitting a payment result notification mail based on the payment result stored in the payment result storage means,
The electronic payment server according to any one of claims 1 to 7, further comprising: The payment processing means, if the electronic mail address of the transfer destination is not registered in the mail address storage means, performs the payment processing after registration of the electronic mail address of the transfer destination. Electronic payment server according to any one of to 8 above. The e-mail notification processing means sends an e-mail requesting registration of the e-mail address of the transfer destination to the e-mail address of the transfer destination when the e-mail address of the transfer destination is not registered in the e-mail address storage means. The electronic settlement server according to claim 9, wherein the electronic settlement server transmits the electronic settlement server to the electronic settlement server. The method according to claim 1, wherein the e-mail notification processing means transmits an e-mail requesting registration of a transfer destination e-mail address to a transfer destination e-mail address, indicating a URL indicating a registration Web page. 10. The electronic settlement server according to 10. The registration Web page notified by the mail notification processing unit is a Web page for registering an e-mail address of a transfer destination and registering a payment password.
12. The electronic settlement server according to claim 11, wherein the settlement processing means performs a settlement process when the electronic mail address of the transfer destination matches the settlement password. An electronic payment server that performs payment processing over a network,
A user-side terminal that requests payment processing by notifying an electronic mail address to the electronic payment server,
An electronic payment system with
The electronic payment server is the electronic payment server according to any one of claims 1 to 12,
An electronic payment system, characterized by: 14. The electronic payment system according to claim 13, wherein the payment processing means of the electronic payment server performs a payment process in response to a payment destination confirmation and a password notification from the user-side terminal. 15. The electronic payment system according to claim 13, wherein said payment processing means of said electronic payment server performs a payment process when an account is held in said electronic payment server. 16. The electronic settlement system according to claim 13, wherein the settlement processing means of the electronic settlement server performs settlement processing between different bank accounts. An electronic payment method for performing payment processing over a network,
(A) Register the user's email address and account information in association with each other,
(B) performing a payment process in response to the notification of the e-mail address;
An electronic payment method characterized by the above-mentioned. 18. The electronic settlement method according to claim 17, further comprising: (C) notifying a result of the settlement processing. 19. The electronic settlement method according to claim 17, wherein in the step (A), a registration process is performed by temporary registration for temporarily registering an e-mail address and main registration for authenticating the temporary registration. . 20. The electronic settlement method according to claim 19, wherein in the step (A), the main registration is performed using a password. 21. The electronic settlement method according to claim 17, wherein in the step (A), a URL of a registration Web page is notified, and registration processing is performed via the registration Web page. 22. The electronic settlement method according to claim 17, wherein in the step (B), settlement processing is performed according to confirmation of a payee and notification of a password. 23. The electronic settlement method according to claim 18, wherein in the step (C), a URL for confirming detailed information of a transaction type and a settlement result is notified as a result of the settlement processing. The electronic settlement method according to any one of claims 17 to 23, wherein the step (B) performs a settlement process when there is registration of a transfer destination account and registration of a transfer destination electronic mail address. In the step (B), the e-mail requesting the account registration of the transfer destination and the registration of the e-mail address of the transfer destination is sent to the transfer destination if the transfer destination account registration or the transfer destination e-mail address is not registered. The electronic payment method according to claim 24, wherein the electronic payment is transmitted to an e-mail address of: The step (B) is characterized in that an e-mail requesting registration of an e-mail address of a transfer destination indicates a URL indicating a registration Web page and is transmitted to the e-mail address of the transfer destination. 25. The electronic settlement method according to item 25. The step (B) includes:
(B1) In the e-mail requesting registration of the e-mail address of the transfer destination, a URL indicating a registration Web page for registering the e-mail address of the transfer destination and registering the settlement password is indicated. Send it to your email address,
(B2) at the time of payment processing, inquiring the e-mail address of the transfer destination and the payment password, and performing the payment processing when the e-mail address and the payment password match;
27. The electronic settlement method according to claim 26, wherein: A program that allows a computer to make payments over a network,
A program for causing a computer to realize the functions of the electronic payment server according to claim 1. A program that allows a computer to make payments over a network,
A program for causing a computer to execute the processing of the electronic settlement method according to claim 17.

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