JP2005107993A - Virtual store credit settlement system and its method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a credit card settlement system in an EC store by which even an order of a commodity whose stock cannot be confirmed can be received and the validity of a credit card presented by a purchaser can be immediately checked. <P>SOLUTION: The credit card settlement method in a virtual store includes procedures for performing credit processing of a small amount when an order is received in order to verify the validity of the credit card, temporarily storing information including an order number generated in each order, a credit card number and a purchase amount in a memory as one record when there is no problem, and on a stage that the stock of the ordered commodity can be confirmed, performing credit processing and selling processing based on a practical purchase amount about the credit card number stored in the memory. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to a credit card settlement system in a virtual store that accepts orders from customers online using the Internet.

  Currently, electronic commerce sites (hereinafter referred to as virtual stores) that perform online commerce using the Internet are opened one after another. The most widely used electronic settlement means in such virtual stores currently use credit cards.

  In the virtual store, the connection with the customer is only the content displayed on the Internet browser of the personal computer used by the customer. In a virtual store, there are no good store clerk to attract customers to the store, so whether a customer who visits the virtual store buys in the store is whether the store has what the customer needs Whether or not it can be purchased at a low price affects the severity more than a real store.

  With regard to product inventory, virtual stores need to receive orders immediately in response to customer order requests, so the presence or absence of product inventory must be clarified. And it is desirable that the stock quantity is rich with respect to many products because it prevents customers from being missed, but it is not desirable to increase the stock quantity itself because it increases costs.

  In a real store, you need to spend a little time checking the inventory, etc., and even if it is not clear whether you can receive an order for the product, the store clerk will contact the customer and foster a sense of trust in the customer's store Thus, it is possible to prevent customers from flowing to other stores. However, in a virtual store, if it takes time to check inventory, if an order cannot be accepted at that time, the customer will flow to another store (real store or other virtual store). There is a risk that the possibility is higher than that of a real store.

  FIG. 3 is an overall configuration diagram for explaining a network system that realizes a virtual store having an electronic payment function using a credit card, which is a related art related to the present invention. Reference numeral 10 denotes a personal computer or the like used by the user. Reference numeral 40 denotes a store server 40 that is a store-side facility including a WWW server for realizing a virtual store. Reference numeral 8 denotes a credit settlement network including a credit card company and a bank. In many cases, the store server 40 and the access point (generally called a connection service center) of the credit settlement network 8 are connected by a high-speed dedicated line with high safety. (In some cases, the user computer 10 and the store server 40 exchange information with each other via the Internet 9. That is, the user visits the virtual store on the Internet by accessing the store server 40. This exchange of information is performed by HTTPS (HyperText Transport Protocol Security) from the transmission of a message for starting an order process to be described later. That is, it is performed using SSL (Secure Socket Layer) which is an encrypted communication protocol based on HTTP. When a product is purchased at a virtual store provided by the store server 40 and credit card payment is selected, the store server 40 creates a data processing message for payment and transmits it to the connection service center.

  A conventional typical credit settlement procedure will be described with reference to FIG. The user accesses the virtual store site, browses the HTML screen of the virtual store site, selects a specific product, and gives an instruction to start the order process. This instruction is, for example, an operation of clicking an order button. The HTTPS message including the data indicating the “information specifying the product”, the “information specifying the purchaser”, and the information meaning “start order processing” is sent to the store server 40 (FIG. 1). -1).

  The store server 40 receives the HTTPS message and generates an order number (order ID) for one order. Then send the order form (Figure 1-2). This order form includes an order number for session management. The user fills in the credit card number and card information (expiration date, etc.) on the order form and returns it (Fig. 1-3). The store server 40 obtains a “sales price” by referring to a database for managing products and sales results from the “information for identifying products”, and based on the credit card number, the store server 40 obtains credit according to the communication protocol of the payment network 8. A processing message and a sales processing message are created and transmitted (Fig. 1-4). Upon receiving a response from the network 8 (FIGS. 1-5), the result is recorded in a database or the like for managing the product and sales results. It also notifies the user that the process has been completed (Figure 1-6).

  The above is the outline procedure for the credit settlement processing of the virtual store by the store server 40.

In a virtual store, normally, when a purchaser sends a message to “start order processing” (FIG. 1-1), the purchaser is in a state where the product has been confirmed and can be delivered at the store. Assuming that. Otherwise, the purchaser will not disclose the credit card number. This is a limitation of the conventional method. In other words, in a virtual store, only products that can be delivered with 100% certainty or products that can be strictly managed can be selected. Further, in the virtual store, since the purchaser's face cannot be seen, there is a possibility of accepting unauthorized access. The surest way to check for unauthorized access is to check the credit card number provided. Therefore, in a virtual store, when a purchaser (prospect) enters card information such as a credit card number or expiration date, credit processing is performed on the spot, and access by an invalid card number is immediately excluded and invalidated. Transactions with unique card numbers should not waste the resources of the store server 40.

This invention makes it a subject to provide the system which eliminates such a restriction | limiting of the credit card payment in a virtual store. In other words, it is possible to receive orders for products for which inventory has not been confirmed, and to provide a credit card settlement mechanism in a virtual store where the validity of the credit card presented by the purchaser (prospect) can be confirmed immediately It is.

1st invention which solves a subject is a credit card payment method in a virtual store, Comprising: The 1st mode used as the foundation is
When an order is accepted, the credit card number provided by the prospective purchaser is used to verify the credit card's validity, and a small amount of credit is processed. If there is no problem, the order number and credit generated for one order Information including the card number and the purchase amount is temporarily stored in the memory as a record, and after the inventory check is completed, the credit card number stored in the memory is credited by the actual purchase amount and This is a credit card settlement method in a virtual store including a procedure for performing sales processing.

  By executing the process in two steps, a small credit step for verifying the validity of the card and a step for performing settlement processing with the actual purchase amount, it is confirmed that there is no mischievous access at the time of order reception. In addition, since the settlement process is performed with the purchase amount after the inventory is confirmed, products that cannot be strictly managed for various reasons can be stocked in the virtual store. On the other hand, since the prospective purchaser only needs to input the credit card number once, the burden is not increased. Since a wider product lineup is provided than before, convenience for users of virtual stores is also increased.

  In the case of payment processing, the term “credit processing”, “sales processing”, “credit cancellation”, “sales cancellation”, and “money change” processing requests are collectively referred to as being executed with a settlement organization. In addition, in the case of credit, the information necessary for one settlement process includes six types: a card number, a card expiration date, an order (order) number given by the store, an amount, a payment method, and the number of divisions. Information. For processing other than credit, only the order (order) number is required. Therefore, the store server 40 converts the information into a message conforming to the communication procedure used in the network 8 of the settlement institution, and sends it to the access point of the network 8.

  In the credit card settlement method in the virtual store according to the first aspect, the second preferred aspect of the first invention is normal at the stage of performing credit processing and sales processing based on the actual purchase amount after checking the inventory. If it is not possible to process the data, the data indicating that the data could not be processed normally is recorded for one record specified by the credit number and the order number, and the credit processing and the sales processing are tried again after a predetermined time. The credit card settlement method in the virtual store according to claim 1.

  In the settlement method of the first invention, when carrying out credit processing and sales processing based on the actual purchase amount after checking the inventory, the purchaser has already used the credit card to the full limit of the current month, May be less than the purchase amount. In such a case, the virtual store records the fact that it could not be done without performing the sales process, and performs the settlement process again after a certain period of time. The store side may take measures to notify the purchaser that payment processing has failed or to refrain from delivering the product until payment processing is possible.

A second invention for solving the problem is a means for receiving an order from a product purchaser through a network, an order form processing means for providing an order form and obtaining information related to a settlement process including a credit card number of the product purchaser, A server device for realizing a virtual store comprising a payment message processing means for creating a communication message for performing payment processing, transmitting the message to a payment institution network, and receiving the result,
The settlement message processing means creates and transmits a communication message for a small credit for the purpose of confirming the validity of the purchaser's credit card at the time of order reception, and after the store clerk confirms the product inventory, It is a server device for realizing a virtual store characterized by having a function of creating and transmitting a settlement message in two stages so as to create and transmit a communication message for performing sales processing based on the purchase amount.

Since the settlement message processing means performs the settlement process in two stages, that is, a small credit step of the first invention, and a credit processing based on the actual purchase amount and a sales processing step, The credit card settlement method in the virtual store of the invention is realized.

By adopting the credit card settlement method of the present invention, the virtual store can also assort goods that cannot be strictly managed. In addition, assortments can be made without increasing the amount of inventory, and as a result, excess inventory can be reduced. Loss of sales opportunities due to lack of inventory due to lack of inventory.

  Embodiments of the present invention will be described below with reference to the drawings. FIG. 2 is a diagram for explaining a credit settlement procedure based on the method of the present invention, which is an improvement of the typical conventional credit settlement procedure described with reference to FIG. The procedure of the present invention will be described with reference to FIG. The credit settlement procedure of the present invention includes a small credit processing phase shown in FIG. 2 (A) and a sales processing phase shown in FIG. 2 (B).

  The small credit phase from -1 to -3 is the same as -1 to -3 in FIG. The order form (FIG. 2 (A) -2) sent from the store server 40 to the user includes an order number (order ID) generated by the store server 40 for one order. An order number is uniquely assigned to each order in order to identify the purchase prospect's order. The store server 40 obtains the credit card number and card information of the prospective purchaser at the stage of receiving the filled order form (FIG. 2 (A) -3). Next, in order to confirm the validity of this credit card, a credit processing message is created and transmitted according to the communication protocol of the settlement network 8 based on the credit card number for an appropriate small amount (FIG. 2 ( A) -4). At the same time, the card number, card information, purchase amount, and order number are recorded as a set in the order database 45 for subsequent sales processing (FIG. 2 (A) -4 '). The order database 45 is provided in the store server 40 for managing order processing. In addition to the card number, card information, purchase amount, and order number, information indicating the order processing status is recorded and managed. The result of credit processing is received through the settlement network 8 (FIG. 2 (A) -5). The result is returned to the prospective purchaser (FIG. 2 (A) -6). This is the small credit phase. The purpose of small credit is to verify whether a credit card is valid. If the result of credit processing (Fig. 2 (A) -5) cannot be processed normally, it means that the credit card is not valid, or the card is valid but not ready for use at that time. The purchase prospect is notified (FIG. 2 (A) -6), and one record recorded in the order database 45 is discarded. This means that the store's order has been discarded.

  If the result of the credit processing (FIG. 2A-5) is successfully processed, the store server 40 records that fact in the record of the order number in the order database 45. The store clerk confirms the stock of the product, confirms the delivery date, etc., and starts the divided sales process as the next phase when the confirmation is completed. First, the data of the corresponding order number is extracted from the order database 45 (FIG. 2 (B) -1). A credit processing message and a sales processing message are created and transmitted in accordance with the communication protocol of the payment network 8 from the extracted data, that is, the card number, card information, and purchase amount (FIG. 2 (B) -2). At this stage, credit and sales are processed based on the actual purchase amount. A response from the network 8 is received (FIG. 2 (B) -3). If it is processed normally, it means that the payment is completed, and the store clerk delivers the product. In addition, a value indicating a state that the sales process has been normally processed for one corresponding record in the order database 45 is recorded and updated.

  There may be a case where a response is returned indicating that the process has not been processed normally. This is because there may be a case where the purchaser has already used the credit card up to the full limit of the current month or the balance of the account is less than the purchase amount. In such a case, the virtual store did not perform the sales process, but could not process the payment for one record (card number, card information, purchase amount, order number) recorded in the order database 45. It is recorded, and the settlement process is performed again after a predetermined time. The store side may take measures to notify the purchaser that payment processing has failed or to refrain from delivering the product until payment processing is possible.

  FIG. 5 is a diagram showing a configuration example of the store server 40 that realizes the settlement means using the credit card shown in FIG. Reference numeral 41 denotes an HTTP server. By sending some prepared HTML (HyperText Markup Language) page data 40 to the personal computer 10 used by the user, an interactive interface screen (virtual store) is provided to the personal computer 10 used by the user. Reference numeral 42 denotes store content providing means. The store content providing means 42 is a program (Java Applet (Java is a registered trademark), ActiveX (registered trademark), etc.) called from HTML data, image data, and HTML data presented to the computer 10 of the user who has accessed the virtual store. ), Or HTML data including a script. The user browses the store content and selects a purchased product.

  43 is an order form processing means. The order form processing means 43 serves to provide the user with an order form including a credit card number entry field and accept the contents input by the user as encrypted data. Encrypted communication is performed using the SSL protocol that can be added to HTTP. 45 is an order database. The order form processing means 43 decrypts the received order form data and registers the order number, purchaser information, credit card number, credit card information, product, and information including the purchase price in the order database 45 as one record. .

  Reference numeral 441 denotes a small credit processing means. A telegram that is called from the order form means 43 and uses the library of the connection package 46, which is a lower module, to perform a small credit process for the credit card number received from the user is created. Call a certain connection service center. The connection package 46 is a set of library functions that perform protocol conversion of transmission data and reception data according to a predetermined communication procedure so that data exchange with the connection service center is performed correctly.

  Reference numeral 442 denotes divided sales processing means. The divided sales processing means 442 provides an interface for the store clerk to extract a record of a desired order number from the order database, and in accordance with the contents included in the extracted record, the credit card number and purchase amount recorded in the record A message requesting a credit process and a sales process is created and transmitted to the settlement network 8 using the library of the connection package 46 which is a lower module.

  The order form processing unit 43, the small credit processing unit 441, and the divided sales processing unit 442 can be realized as application programs. The store server 40 installs a connection package and an available HTTP server in a commercially available server computer, and is used as an application program that operates as an order form processing means 43, a small credit processing means 441, and a divided sales processing means 442, and used as store contents. It can be realized with data and programs to be executed.

  Next, a second embodiment will be described. FIG. 4 is a diagram illustrating different configurations of a virtual store and its electronic payment network system. Next, a credit settlement procedure in the virtual store realized with the configuration of FIG. 4 will be described.

  In FIG. 3, each virtual store is connected to the payment network 8. Therefore, it is necessary to draw a dedicated line and connect the connection package 46 in order to connect to the network 8 in each store, and the information equipment of the store has become large. In FIG. 4, the store apparatus 20 is installed in each store, and a single payment server 30 performs a payment process for a plurality of stores. As a result, the store apparatus 20 only needs to be connected to the Internet, and it is not necessary to draw a dedicated line or to provide a connection package, so that a simpler configuration and a lower cost facility can be used.

  First, a conventional procedure in the configuration of FIG. 4 will be described with reference to FIG. In the following description, a message exchanged between the store apparatus 20 of the virtual store and the settlement server 30 will be particularly referred to as a store telegram.

  The user accesses the virtual store site, browses the HTML screen of the virtual store site, selects a specific product, and places an order. In practice, an HTTP message composed of information for specifying a purchaser, information for specifying a product (referred to as “order information”), and information indicating “order” is sent to the store apparatus 20 ( Fig. 6-1).

  The store apparatus 20 receives the HTTP message and issues an order number (order ID). The order number and order information are recorded in the order database 25. The order database 25 is a database provided in the store apparatus for managing order information. Then, the hash value of the data connecting the order number and the store ID is calculated, and the message including the information indicating the “order”, the order number, the store ID, and the hash value (referred to as a “store order message”) Is sent to the settlement server 30 (FIG. 6-2).

  When the settlement server 30 receives the store order message, decrypts the hash value with the public key of the store from which the message is sent, and confirms that the order number and store ID included in the store order message match, the user is notified. In contrast, an order form including a credit card number entry field is sent directly (FIG. 6-3). This order form includes an order number for correspondence with the store order message. The user enters card information such as a credit card number and expiration date on this order form. The data input here is encrypted and sent back to the settlement server 30 using the SSL (Secure Socket Layer) protocol (FIG. 6-4).

  The settlement server 30 sends the settlement network to the service center, which is the access point of the network 8, from the data (card number, card information) returned from the user and the information obtained from the store order message acquired previously. A message that conforms to the communication protocol exchanged in FIG. 8 and that requests a credit process and a sales process is created and transmitted (FIG. 6-5). Thereafter, a response from the network 8 is received (FIG. 6-6). The response result is also returned to the store apparatus 20 and the user's personal computer 10. If it is a normal response, the store apparatus 20 updates the record of the order number in the order database and records that the sales process has been performed normally.

  The above is the conventional typical settlement procedure in the configuration of FIG. FIG. 7 is a diagram illustrating a procedure in which the credit card settlement method of the present invention is applied in the configuration of FIG. Hereinafter, FIG. 7 will be described. FIG. 7A shows a phase for making a small credit, and FIG. 7B shows a phase for performing divided sales processing. The procedure from -1 to -4 in FIG. 7A is the same as that in FIG.

  The settlement server 30 receives the data (card number, card information) returned by the user after filling out the form, and confirms the validity of the provided credit card with respect to an appropriate small amount of the credit card. Based on the number, a credit processing message according to the communication protocol of the settlement network 8 is created and transmitted (FIG. 7 (A) -5). At the same time, the card number, card information, and order number are recorded as a set in the procedure management database 35 for subsequent sales processing (FIG. 7 (A) -5 ′). The procedure management database 35 is a database provided for managing processing for one order number in the settlement server 30. The card number, card information, order number, and data indicating the processing status are recorded and managed as one set. Subsequently, the result of the credit processing is received through the settlement network 8 (FIG. 7 (A) -6). The result is returned to the store apparatus 20 (FIG. 7 (A) -7). As a result, response-7 is called a store response message. In the case where the small credit processing has been completed normally, the store apparatus 20 has not yet processed the small credit for the record of the corresponding order number in the order database 25 in order to connect to the subsequent credit sales phase. The order database 25 is updated with a flag indicating that it exists. On the other hand, if the store response message (FIG. 7 (A) -7) does not end normally, the credit card presented by the user is not valid or cannot be used at that time. The fact is notified to the user (FIG. 7 (A) -8), and the record of the order number is discarded from the order database 25.

  Next, the division sales phase is entered. If the small credit is normally completed, the store clerk confirms the inventory and confirms the delivery date, and instructs the store apparatus 20 to perform divided sales when the check is completed. This instruction is performed by specifying the order number by searching the order database 25 or the like. The store apparatus 20 sends a store message including the order number and the purchase amount to the settlement server 30 (FIG. 7 (B) -1). The settlement server 30 reads the card number from the procedure management database 35 using the order number as a key (FIG. 7 (B) -2), and a message for performing the settlement processing of the purchase amount designated for this card number. Is transmitted to the payment network 8. Actually, two telegrams are issued for the credit processing of the purchase amount and the sales processing (FIG. 7 (B) -3). The settlement server 30 receives the result (FIG. 7 (B) -4), and transfers the contents to the store apparatus 20 (FIG. 7 (B) -5). Is confirmed, the product is delivered and the order database 25 is updated based on the fact that the sales process has been normally performed.

  If the store response message in FIG. 7B-5 is not processed normally, the virtual store does not perform sales processing but records one record (order) (No., purchaser identification information, purchase amount) is recorded, and the settlement process is performed again after a predetermined time. The store side may take measures to notify the purchaser that the payment process could not be performed (FIG. 7 (B) -6) or to refrain from delivering the product until the payment process is completed.

FIG. 8 is a block diagram illustrating the configuration of the store apparatus 20. The HTTP server 21 and the store content providing means 22 have the same function roles as 41 and 42 in FIG. The store message creation means 23 receives an order from the user, generates an order number, creates the contents of a message exchanged between the store apparatus 20 and the settlement server 30, or arrives from the settlement server 30. Processing such as retrieving the contents of the response message is performed. Processing for recording the order number, purchaser identifying information, and purchase amount in the order database 25 is also performed. The order database 25 records an order number, purchaser specifying information, purchase amount, and status information as one record in response to one order processing request from a user. The status information is information indicating that the divided sales processing has not been performed yet, that the divided sales processing has been attempted but failed n times.
Reference numeral 26 denotes a divided sales processing means. It has a function of searching the order database 25 in response to an instruction from the store clerk, and serves to issue an instruction to the store message creating means 23 so as to create a store message requesting divided sales for the extracted order number. To request split sales, it is necessary to specify the order number and purchase price. Upon receipt of the instruction, the store message creating means 23 creates data including the order number and the purchase amount. This data is sent to the settlement server 30 by the HTTP server 21.

  The store message creating means 23 can be created as the divided sales processing means 26 as an application program.

FIG. 9 is a configuration diagram of the settlement server 30. The configuration is very similar to the store server 40 of FIG. The HTTP server 31 and the connection package 36 are the same as the HTTP server 41 and the connection package 46 of FIG. The functions of the small credit processing means 341 and the divided sales processing means 342 are the same as those of the small credit processing means 441 and the divided sales processing means 442 in FIG.
The store message processing means 32 is a module that is called when the HTTP server 31 receives a store message (FIG. 7 (A) -2, (B) -1) from the store apparatus. In the case of the electronic message, the hash value is decrypted to confirm the transmission source store, and if there is no contradiction, the order form processing means 33 is called. In the case of the electronic message shown in FIG. 7 (B) -1, the hash value is decrypted to check the transmission source store, and if there is no contradiction, the divided sales processing means 342 is called.

  Reference numeral 33 denotes order form processing means. The order form processing means 33 serves to provide the user with an order form including a credit card number entry field, and to accept the contents input by the user as encrypted data. Since the order number is added to the order form in advance, the contents of the returned order form can be correlated with the order number. The exchange of the order form is encrypted using an SSL protocol that can be added to HTTP. Reference numeral 35 denotes a procedure management database. The order form processing means 33 decrypts the received order form data, and the procedure management database 35 uses information including the order number, credit card number, and credit card information as one record for the subsequent divided sales processing. Register with.

  Reference numeral 341 denotes a small credit processing means. It is called from the order form means 33 and uses the library of the connection package 46, which is a lower module, to create a telegram for performing a small credit process on the credit card number received from the user, and sends it to the service center.

  Reference numeral 342 denotes divided sales processing means. The divided sales processing means 442 takes out the credit card number corresponding to the order number from the procedure management database 35 using the order number specified in the store message as a key, and performs credit processing and sales processing for the amount specified in the store message. Is generated using the library of the connection package 46 and transmitted to the settlement network 8.

The store message processing means 32, the order form processing means 33, the small credit processing means 341, and the divided sales processing means 342 can be realized as application programs. The settlement server 30 installs a connection package provided from the connection service center and an available HTTP server in a commercially available server computer, stores a telegram processing means 32, an order form processing means 33, a small credit processing means 341, and a divided sales. The present invention can be realized by including an application program that operates as the processing unit 342, data and a program that are used as store contents.

It is a figure explaining the conventional typical credit payment procedure. It is a figure explaining the credit payment procedure based on the method of this invention. It is the whole network system block diagram which implement | achieves the virtual store which has the electronic payment function by the credit card which is the prior art relevant to this invention. It is a figure explaining the different structures of a virtual store and its electronic payment network system. It is the figure which showed the structural example of the store server. It is a figure explaining the conventional procedure in the structure of FIG. FIG. 5 is a diagram illustrating a procedure in which the credit card settlement method of the present invention is applied in the configuration of FIG. 4. 3 is a block diagram illustrating a configuration of a store apparatus 20. FIG. 3 is a block diagram illustrating a configuration of a payment server 30. FIG.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Network system which implement | achieves the virtual store which has the electronic payment function by a credit card 8 Credit card payment organization network 10 User personal computer 20 Store apparatus 21 HTTP server 22 Store content provision means 23 Store message creation means 25 Order database 26 Divided sales instruction means 30 payment server 31 HTTP server 32 store message processing means 33 order form processing means 35 procedure management database 36 connection package 341 small credit processing means 342 split sales processing means 40 store server 41 HTTP server 42 store content providing means 43 order form processing means 45 Order database 46 Connection package 441 Small credit processing means 442 Divided sales processing means

Claims (3)

  This is a credit card payment method in a virtual store. When an order is accepted, credit processing with a small amount is performed for the purpose of verifying the validity of this credit card with the credit card number presented by the prospective purchaser. Including a procedure of temporarily performing credit processing and sales processing based on an actual purchase amount on the credit card number stored in the memory when the credit card number is temporarily stored in the memory and the inventory can be confirmed after that. A credit card settlement method in a virtual store.   The credit card settlement method in the virtual store according to claim 1, wherein when a problem occurs at the stage of performing credit processing and sales processing with an actual purchase amount, the credit number, the order number, and the unprocessed purchase amount The credit card settlement method in the virtual store according to claim 1, further comprising: a step of recording data as a set and trying again credit processing and sales processing after a predetermined time. A means for accepting orders from merchandise purchasers via the network, an order form processing means for providing order forms and obtaining order information, a communication message for creating payment processing, sending the message to the payment institution network, and receiving the result A server device for realizing a virtual store comprising a settlement message processing means,
The settlement message processing means creates and transmits a communication message for a small credit for the purpose of confirming the validity of the purchaser's credit card at the time of receiving an order. A server device for realizing a virtual store characterized by having a function of creating and transmitting a settlement message in two stages so as to create and transmit a communication message for performing sales processing based on the purchase amount.

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