JP2005259013A - Payment management system, payment management method, payment management server, and program for the management - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To solve a problem that, in a conventional system, a user is necessarily required to manage with respect to each trader a payment method for use in payment and information on the payment, when performing transaction with an Internet trader that sells a product and provides pay service. <P>SOLUTION: This payment method management system is provided with a means receiving personal identification information from the user, a means recognizing the user from the personal identification information, creating a new personal authentication ID and transmitting it to a terminal of the user, a means receiving payment method information and the personal information about the payment method for each Internet trader to be used from the user, a means generating the personal information according to the receipt of the personal information and updating it, a means transmitting the personal information to the user, the Internet trader, and a payment institution such as a card company and a financial institution, a means receiving a payment response update result and the validity of the payment method from the Internet trader and the payment institution, a means receiving the personal authentication ID of the user and the payment method information designated by the user from the Internet trader, and a means registering the personal information based on the information receiving from the trader. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to a settlement method management system, a settlement method management method, and a settlement method management that collectively manage settlement methods used by a user on the Internet by using a service of an Internet company or purchasing a product. The present invention relates to a server and its program.

  Patent Document 1 describes a system that improves the safety of electronic payment without impairing the convenience of the user. Referring to the contents of the invention, “Because of the payment on behalf of the store and the customer and pre-registered information, the customer's financial information is not leaked at all and can be prevented from being misused. According to the electronic payment system of the present invention, since a credit card number or a debit card number (that is, an account number and a cash card PIN) is not transmitted to the store side, a highly secure payment can be performed.

  In addition, when a user purchases a product, it is not necessary to input a credit card number or a cash card PIN, and it is possible to make a settlement by inputting only the ID and PIN of the user of this system. High nature. Furthermore, since the safety of payment is high, the type of user terminal is not limited, and the type of goods purchased by the user is not limited. "

  Patent Document 2 describes an online shopping system that can be used safely and easily for a person who owns a plurality of credit cards. Referring to the contents of the invention, “if card information used for electronic payment is registered in advance in the payment server corresponding to the caller telephone number of the user terminal to be electronic payment, the card information is determined in advance. And sending out only a part of the information from the payment server to the user terminal to allow the user to confirm in advance the card to be used for the current electronic payment. User information storage means for performing electronic payment and registering card information used for electronic payment corresponding to the caller telephone number of the user terminal, and electronic payment corresponding to the caller telephone number of the user terminal to be electronically paid If the card information used for the card is registered in the user information storage means, only a part of the card information determined in advance is sent to the user terminal to be used for the current electronic payment. And a means to check in advance to a de to the user. Has become. "

  Further, Patent Document 3 accepts registration of a settlement method related to a service provided from a service provider, accepts a settlement method related to service use from a user, and is an optimal settlement method for a user's usage fee between the two. Is a billing server that performs payment adjustment by selecting.

JP 2002-288574 (page 3 to page 5, FIG. 1) JP-A-2002-109434 (page 6 to page 11, FIG. 6) JP 2002-373296 (3rd page-4th page, FIG. 1)

  However, the systems described in Patent Document 1 and Patent Document 2 are intended to be able to safely use a pre-registered credit card or debit card each time a payment is made or to confirm the card to be used in advance. Therefore, when the user uses a plurality of Internet providers with a plurality of payment methods, the convenience when the user selects the payment method cannot be obtained.

  In other words, in the case of a usage method in which a payment method to be used is registered in advance in the system of the Internet provider, it takes time and effort to check the available payment method at each registration, There is a problem that there is no convenience that it is easy to grasp whether or not the settlement method is used, and the grasped settlement method can be easily changed.

  In addition, the user, for example, divides cards and accounts used when purchasing expensive products, cards and accounts used when doing daily shopping, and selects the appropriate card or account for each purchaser. Although it seems that there is a case where it wants to do, in patent document 3, it cannot respond.

  SUMMARY OF THE INVENTION Accordingly, an object of the present invention is to provide a payment method management system, a payment method management method, and a payment method that can collectively manage a plurality of Internet providers and a plurality of payment methods used by a user and can easily check and update the usage status. A method management server and a program thereof are provided.

A first payment management system of the present invention includes a user terminal that transmits a payment method used by a user and a payment method for each trader that the user uses in a transaction with a trader among the payment methods,
When the payment method received from the user terminal is transmitted to a payment institution terminal designated by the payment method, and the payment method is received from the payment institution terminal, the payment method is a payment method registered in the payment institution terminal. The method is registered in the database, the merchant settlement method is transmitted to the merchant terminal of the merchant designated by the merchant settlement method received from the user terminal, and the merchant terminal settlement method can be used by the merchant from the merchant terminal. A payment method management server that registers the payment method for each trader in a database upon receiving a notification that is a simple payment method.

  According to a second settlement management system of the present invention, in the first invention, the settlement method management server uniquely generates an authentication ID for authenticating the user and transmits the authentication ID to the user terminal in advance. Registering the settlement method and the trader-specific settlement method as an index in the database.

  According to a third settlement management system of the present invention, in the second invention, the merchant terminal transmits the authentication ID received from the user terminal to the settlement method management server and transmits the authentication from a database of the settlement method management server. When the payment method specified by the ID is received, the payment method is divided into a payment method that can be used by the vendor and a payment method that cannot be used, and is transmitted to the user terminal. When the selected payment method is received from the user terminal, this and the authentication ID are transmitted to the payment method management server and registered as a new payment method by trader.

  According to a fourth settlement management system of the present invention, in the first invention, the settlement method management server registers the settlement method when detecting the settlement method that is about to expire in the settlement method registered in the database. Informing the user terminal to that effect.

The first payment management method of the present invention includes a step of receiving a payment method used by a user from a user terminal;
Transmitting the received payment method to a payment institution terminal designated by the payment method;
Receiving the notification that the payment method is a payment method registered in the payment institution terminal from the payment institution terminal, and registering the payment method in a database;
Receiving from the user terminal a settlement method for each trader used by a user in a transaction with a trader among the settlement methods;
When the merchant settlement method is transmitted to the merchant terminal of the merchant designated by the merchant settlement method, and the merchant terminal receives a notification that the merchant settlement method is a settlement method that can be used by the merchant, the merchant settlement Registering the method in the database;
including.

  According to a second settlement management method of the present invention, in the first invention, an authentication ID for authenticating a user is uniquely generated and transmitted in advance to the user terminal. Registering a payment method in the database.

In a third settlement management method of the present invention, in the second invention, the trader terminal transmits the authentication ID received from the user terminal to a server having the database;
When the merchant terminal receives the payment method specified by the authentication ID from the server, the payment method is divided into a payment method that can be used by the merchant and a payment method that cannot be used, and is transmitted to the user terminal. Steps,
When the merchant terminal receives a payment method selected from the payment methods available at the merchant from the user terminal, it sends this and the authentication ID to the server to register as a new merchant-specific payment method. Steps.

  According to a fourth settlement management method of the present invention, in the first invention, the cards that have a large number of users who input and hold the database are ordered, the cards that are often used in transactions with merchants are ordered, It includes a step of collecting statistical information including changes in the cumulative number of users in the past year for each card and financial institution, and transmitting these information to the merchant terminal and the settlement institution terminal.

The first settlement method management server of the present invention comprises means for receiving a settlement method used by a user;
Means for transmitting the received payment method to a payment institution terminal designated by the payment method;
Means for registering the payment method in a database upon receiving notification from the payment authority terminal that the payment method is a payment method registered in the payment authority terminal;
Means for receiving a merchant-specific settlement method used by a user in a transaction with a merchant among the settlement methods;
When the merchant settlement method is transmitted to the merchant terminal of the merchant designated by the merchant settlement method, and the merchant terminal receives a notification that the merchant settlement method is a settlement method that can be used by the merchant, the merchant settlement Means for registering a method in the database;
including.

The first program of the present invention includes a process of receiving a payment method used by a user;
A process of transmitting the received payment method to a payment institution terminal designated by the payment method;
Processing for registering the payment method in a database upon receiving notification from the payment facility terminal that the payment method is a payment method registered in the payment facility terminal;
A process of receiving a payment method by trader used by a user in a transaction with a trader among the payment methods;
When the merchant settlement method is transmitted to the merchant terminal of the merchant designated by the merchant settlement method, and the merchant terminal receives a notification that the merchant settlement method is a settlement method that can be used by the merchant, the merchant settlement Registering a method in the database;
Is executed on the computer.

As described above, according to the present embodiment, the user can unify the settlement method he / she uses for each Internet provider, including the settlement method he / she holds, without checking or updating on the Internet provider's homepage. Can be confirmed and updated. As a result, the convenience of using sales and services provided by Internet providers is improved. In particular, if a plurality of settlement methods or Internet providers are used, the effect is remarkable.
Moreover, the Internet trader can reduce the risk that the user will leave due to the complexity of changing and updating the payment method.

  Next, the best mode for carrying out the present invention will be described in detail with reference to the drawings.

  Referring to FIG. 1, in this embodiment, a user terminal 10 used by a user, a payment method management server 20, an Internet service provider terminal 30, a payment agency terminal 40, and an Internet for connecting each terminal and the server by communication. 100.

  The user terminal 10, the payment method management server 20, the Internet company terminal 30, and the payment agency terminal 40 of the payment agency or financial institution operate by program control and are connected to each other via a network 100 such as the Internet. Yes. Also, information communicated between these terminals is encrypted to ensure security.

  The user terminal 10 is an information processing device such as a personal computer. The payment method management server 20 accesses a personal information database 21 stored and provided on a storage device such as a magnetic disk device, and stores the personal information of the user. It has functions to register and receive the registered personal information and display it on the screen.

  Personal information includes payment method information consisting of credit card and bank card information used by users, and payment method information classified by vendor consisting of payment methods with Internet providers that users use products and services. There is. Each information includes information such as the name of the card, the expiration date, the name of the Internet company that provides Internet sales and services, and the name of the service.

  In addition, the user terminal 10 can network personal information such as payment method information used by the user, Internet trader information used by the user, and trader-specific payment method information indicating a payment method for each internet trader. A function of transmitting to the settlement method management server 20 via 100 is provided.

  The settlement method management server 20 is an information processing apparatus such as a workstation server installed in a settlement method management center that manages personal information. The settlement method management server 20 receives the personal authentication ID transmitted from the user terminal 10 and authenticates the user. If the authentication is successful, the personal information is registered in the personal information database 21 using the personal authentication ID as an index. Conversely, the personal information database 21 is searched using the personal authentication ID as an index, and the personal information of the user registered in the personal information database 21 is extracted and transmitted to the user terminal 10.

  The personal authentication ID is generated by the settlement method management server 20 and is unique identification information for identifying the personal information of the user and the user. The personal authentication ID is used to identify the personal information of other users.

  The settlement method management server 20 has a function of receiving personal information from the user terminal 10 and a function of registering the received personal information in the personal information database 21 and updating the registered personal information.

  The personal information is identified by the personal authentication ID and can be taken out by the user to the user terminal 10 as necessary, and is also used for presenting the payment method possessed by the user to an Internet provider or a payment institution. .

  Further, when the payment method management server 20 receives the personal authentication ID of the user from the Internet vendor terminal 30, the payment method management server 20 displays the payment method information stored in the personal information of the user identified by the personal authentication ID as the Internet vendor terminal 30. Send to.

  Furthermore, when the payment method management server 20 receives the personal authentication ID issued to the user from the Internet vendor terminal 30 and the vendor-specific payment method information used by the Internet vendor in the transaction with the user, the payment method management server 20 is designated by the personal authentication ID. This is registered in the personal information database 21 as part of the personal information of the user.

  Further, the settlement method management server 20 encrypts and holds personal information stored in the personal information database 21 as necessary. Further, information transmitted / received among the settlement method management server 20, the user terminal 10, the Internet provider terminal 30, and the settlement institution terminal 40 is transmitted / received at each terminal by performing encryption using, for example, SSL (Secure Sockets Layer). Is called.

  The internet trader terminal 30 is an information processing apparatus such as a workstation server installed in an internet trader that sells products and provides services on the internet. The internet trader terminal 30 transmits to the settlement method management server 20 a personal authentication ID provided by the user at the time of a transaction with the user who purchased the product.

  The payment method management server 20 transmits the payment method registered in the personal information database 21 identified by the personal authentication ID to the Internet vendor terminal 30. The personal information settlement method is information for presenting a settlement method that can be used by the user to the Internet provider.

  Further, the Internet company terminal 30 has a function of receiving from the payment method management server 20 a payment method registered as personal information of a user who trades with personal authentication information unique to the Internet company. Then, it has a function of updating the user's payment method based on the received information and transmitting the update result to the payment method management server 20.

  Further, the Internet merchant terminal 30 has a function of transmitting the personal authentication ID of the settlement method management center and the settlement method input by the Internet merchant terminal 30 to the settlement method management server 20 when the user makes a transaction with the internet merchant. As a result, the personal information specified by the personal authentication ID in the personal information database 21 of the settlement method management server 20 can be updated.

  The settlement institution terminal 40 is an information processing apparatus such as a workstation server installed in a settlement institution related to settlement such as a card company and a financial institution, and has a function of receiving settlement method information from the settlement method management server 20. I have. The received payment method information is used by the payment institution to confirm the effectiveness of the payment method.

  The settlement institution terminal 40 has a function of confirming the validity based on the settlement method information received from the settlement method management server 20 and transmitting confirmation result information to the settlement method management server 20. The confirmation result information transmitted by the settlement institution terminal 40 is used for updating the personal information of the settlement method management server 20 and for transmitting the registration result to the user.

  Next, the operation of the best mode for carrying out the present invention will be described with reference to the drawings.

  Next, the operation of the present embodiment will be described in detail with reference to FIG. 1, the flowcharts of FIGS. 2 to 4 and FIGS. 6 to 7.

  A process in which the user receives a personal authentication ID from the settlement method management server 20 will be described with reference to the flowchart of FIG.

  When the user terminal 10 accesses the homepage established by the payment method management server 20 and selects a new registration of the user (step A1), in response to this, the payment method management server 20 receives the personal information of the user. Input promotion screen information is transmitted to the user terminal 10 (step A2). In the input promotion screen, items capable of inputting the user's name, address, telephone number, e-mail address, and the like are set.

The user terminal 10 thus displays a screen having a personal information input field (step A3), and the user inputs necessary items in the input field (step A4).

  The personal information input by the user is transmitted from the user terminal 10 to the settlement method management server 20 according to the user's instruction (step A5).

  When the payment method management server 20 receives personal information from the user terminal 10 (step A6), it generates a unique personal authentication ID and registers it in the personal information database 21 in association with the generated personal authentication ID and personal information (step A6). A7).

Further, the settlement method management server 20 transmits the generated personal authentication ID to the user terminal 10 (step A8).
Next, registration / update / addition / correction processing of a settlement method owned by the user will be described using the flowchart of FIG.

  From the user terminal 10, the payment method management center accesses the home page established in the payment method management server 20 using the personal authentication ID (step B1). The settlement method management server 20 receives and collates the personal authentication ID input from the user terminal 10 to authenticate the user (step B2).

  When the authentication is successful, the payment method management server 20 transmits the personal information associated with the personal authentication ID, the Internet merchant information, and the payment institution information among the information stored in the personal information database 21 to the user terminal 10. (Step B3).

  The user terminal 10 displays personal information such as the settlement method possessed by the received user and the settlement method by trader as a screen as illustrated in FIG. 6 (step B4). If there is no registered information, a screen consisting of blank lines is displayed.

  Information registered by the user as the payment method includes payment information such as the card name issued by the credit card company, name information of the financial institution, card number / account number, holder, and expiration date information in the case of a card. And information necessary for settlement corresponding to.

  The user registers / updates / deletes the already registered payment method information on the screen of the user terminal 10 or newly adds and registers (step B5).

  For example, as shown in the screen example illustrated in FIG. 6, when the registered payment method is to be updated, the registered information details screen is displayed by clicking the information line displayed in the payment method list with the mouse. Is displayed at the bottom of the center of the screen.

  If you want to register a new payment method, click a blank line with the mouse to display a blank details screen. Necessary information can be updated and input on this detailed screen. In the case of new registration, if the registered method is similar to the registered content, registration using similar registration information is also possible. If you want to delete it, click the “Delete” column on the line with your mouse to mark it.

  Information input by the user is transmitted from the user terminal 10 to the settlement method management server 20 in accordance with a user instruction (step B6).

  The settlement method management server 20 checks whether the settlement method information received from the user terminal 10 belongs to a settlement organization affiliated with the settlement method management center by collating with the partner settlement organization list information stored in advance. If the matching is the same with the partnering clearing house, the registered or updated clearing method information is transmitted to the clearing house terminal 40 of the clearing house in order to confirm the effectiveness of the clearing method (step B7). ).

  On the other hand, the settlement institution terminal 40 confirms the validity based on whether or not the received settlement method information is registered in the settlement organization, and transmits whether or not it is valid to the settlement method management server 20 (step B8).

  Further, the settlement method management server 20 responds that the received settlement method information is valid when it is valid based on the validity of the settlement method received from the settlement institution terminal 40, and deletes the registered information when it is invalid. Then, the user terminal 10 is responded to that effect.

  If the user is notified that the payment method registered in the user terminal 10 is invalid, the user can re-register.

  In addition, as a result of collation with the partner settlement organization list information, the settlement method management server 20 determines that the settlement method information received from the user terminal 10 does not belong to the settlement organization affiliated with the settlement method management center (step B7) to (step B8) are not performed but are registered as valid without being executed.

  In this way, the settlement method management server 20 determines that the settlement method is valid, and transmits the settlement method information as a result of generation / update to the user terminal 10 in order to request confirmation. (Step B10).

  Since the payment method information as a result of the generation / update is displayed on the user terminal 10, the user can reconfirm the registration contents (step B11).

  Further, the payment method management server 20 periodically checks the personal information stored in the personal information database 21, creates warning information when a payment method whose expiration date is almost expired is extracted (step B12), and the warning information is stored in the personal information. Is set (step B13).

  Further, the settlement method management server 20 notifies the user of the set warning information by e-mail or the like (step B14). Further, the warning information can be confirmed on the screen of personal information received from the settlement method management server 20 at the user terminal 10 as illustrated in FIG.

  Next, with reference to the flowchart of FIG. 4, processing in which the user performs registration / update of the settlement method for each trader for the internet trader from the user terminal 10 will be described.

  The operation (steps C1 to C4) from when the user terminal 10 accesses the payment method management server 20 until personal information is displayed is the same as (step B1) to (step B4) described above.

  The user updates / deletes or newly registers a trader-specific settlement method already registered on the screen as exemplified in the screen of FIG. 7 (step C5).

  The contents registered as the settlement method for each trader here include the name of the internet trader, the name of a card provided by various credit card companies, and the name of a financial institution such as a bank.

  Each line described in the payment method by vendor at the bottom of the screen of FIG. 7 corresponds to a certain row described in the payment method at the top of the same screen of FIG. / In the case of an account number, holder, credit card, etc., information relating to the detailed information item of the settlement method such as its expiration date is supplemented by the contents of the corresponding settlement method.

  The operation details of the settlement method by trader on the screen are as follows. For example, as shown in the screen example illustrated in FIG. 7, in order to update a registered payment method by trader, it has been registered by clicking the information line displayed in the list of payment methods by trader with a mouse. An information detail screen is displayed in the center of the screen.

  If you want to register a new payment method, click a blank line with the mouse to display a blank details screen. Necessary information can be updated and input on this detailed screen. In the case of newly registering, if the registered contents are similar to the already registered payment method, it is possible to perform registration by using the similar information and correcting a part thereof. If you want to delete it, click the “Delete” column on the line with your mouse to mark it.

  Although not shown in the screen illustrated in FIG. 7, the personal authentication information by trader used by the user for authentication in the transaction with the trader for the trader settlement method modified or added with respect to the trader. It is also possible to input. When the user registers the payment method information by trader, the user also inputs the personal authentication information by trader of the trader.

  Information input by the user is transmitted from the user terminal 10 to the settlement method management server 20 in accordance with a user instruction (step C6). The settlement method management server 20 confirms whether the information excluding the contractor name in the received settlement method information by contractor has been registered as the settlement method for the user. If it is not registered, the user terminal 10 is notified as an error. The personal authentication information for each trader is authentication ID information used when the user accesses the internet trader through a transaction with the internet trader.

  The payment method management server 20 collates with the partner Internet provider list information stored in advance by itself, and the Internet supplier name in the supplier name of the supplier-specific payment method information received from the user terminal 10 is the Internet supplier with which the payment method management center is affiliated. Check whether or not.

  As a result of the confirmation, if it is a partner, the settlement method management server 20 transmits the individual authentication information for each trader and the settlement method information for each trader entered by the user to the Internet trader terminal 30 in order to request confirmation of the contents of the settlement method. (Step C7). At this time, the payment method management server 20 extracts the card number / account number from the registered payment method corresponding to the payment method by trader, and also transmits the extracted card number / account number together.

  On the other hand, the Internet vendor terminal 30 confirms whether or not the user is registered with the Internet vendor based on the vendor-specific personal authentication information received from the settlement method management server 20. If the user is not a registered user, the payment method management server 20 is notified of this, and the payment method management server 20 notifies the user terminal 10 of an error in the personal authentication information for each supplier.

  If the Internet trader terminal 30 is a registered user, the trader-specific settlement method information received next is compared with target information stored in advance. The target information to be collated is a settlement method included in the received settlement method information by trader and a settlement method that can be used by an internet trader.

  As a result of the verification, for example, if it matches with a payment method that can be used by an Internet provider, the personal information held by the Internet provider is updated by adding detailed information such as a card number included in the payment method by supplier received for the payment method. (Step C8). Further, the update result is transmitted to the settlement method management server 20. (Step C9).

  The settlement method management server 20 finally stores the personal information stored in the personal information database 21 based on the settlement method information for each trader received from the user terminal 10 and the settlement method information for each trader received from the Internet trader terminal 30. Generate / update.

  Further, when the Internet provider input by the user is not a provider that cooperates with the payment method management center, the processing from the above (Step C7) to (Step C9) is not performed, and the payment method information by supplier is used as personal information as it is. Register in the database 21.

  Further, personal information is not generated / updated for the settlement method information for each trader notified by the internet trader terminal 30 that the collation is inconsistent and cannot be updated (step C10).

Further, the settlement method management server 20 transmits to the user terminal 10 the settlement method information for each trader generated / updated and the settlement method information for each trader notified by the internet trader that updating is impossible. (Step C11).
In the user terminal 10, personal information reflecting the result of generation / update of the settlement method information for each trader is displayed, and the content is confirmed by the user (step C12).

  Next, a second embodiment of the present invention will be described in detail with reference to the drawings.

  This embodiment relates to a case where a user changes a settlement method used in the past in a transaction with a certain Internet company. The user will explain a case in which a new settlement method is used in transaction settlement with an internet company when purchasing a product from the internet company.

  The Internet provider uses the Internet provider terminal 30 to set the payment method included in the personal authentication ID issued by the user from the payment method management server 20 and the payment method included in the user's personal information held by the Internet provider terminal 30. Send to. This is different from the above-described embodiment in that the personal information of the user possessed by the settlement method management server 20 is automatically updated.

  Next, the operation of this embodiment will be described in detail with reference to the flowchart of FIG.

  The user terminal 10 accesses the homepage established by the Internet supplier terminal 30 using the individual authentication information for each supplier (step D1). The Internet trader terminal 30 receives the trader-specific personal authentication information and authenticates the user. When the authentication is successful, the Internet company terminal 30 transmits the personal information of the user stored by the Internet company to the user terminal 10 (step D2). This personal information includes, in addition to the user's name and address, payment method information that can be used at the present time that the user has used in past transactions with the Internet company.

  In the user terminal 10, the personal information transmitted from the Internet provider terminal 30 is displayed on the screen (step D3).

  The name, address, etc. of the user is displayed at the top of the displayed screen, for example, and at the bottom of the screen is the type of payment method that has been used by the user with the contractor so far and is still valid And the validity period are displayed. Thereby, the user can confirm the content in the transaction so far. This screen is provided with an input field for the user to input the personal authentication ID issued from the settlement method management server 20.

  First, the user inputs the personal authentication ID issued from the settlement method management server 20 from this screen and transmits it to the Internet service provider terminal 30 (step D4).

  The Internet trader terminal 30 transmits the personal authentication ID received from the user terminal 10 to the settlement method management server 20 (step D5).

  The settlement method management server 20 searches the personal information database 21 using the personal authentication ID received from the Internet vendor terminal 30 (step D6). The payment method management server 20 transmits the payment method information held by the user to the Internet vendor terminal 30 from the personal information associated with the personal authentication ID stored in the personal information database 21 (step D7).

The Internet provider terminal 30 can use the payment method held by the user received from the payment method management server 20 by dividing it into a payment method that can be used by the Internet company and other payment methods that cannot be used by the Internet company. Only a simple settlement method is transmitted to the user terminal 10 (step D8).
On the user terminal 10, the payment method possessed by the user transmitted from the Internet service provider terminal 30 is displayed separately as described above (step D9). The user selects one of the payment methods available to the internet company and transmits it to the internet company terminal 30.

Based on the payment method received from the user terminal 10, the Internet trader terminal 30 updates the personal information of the user (step D11).
Furthermore, the Internet trader terminal 30 transmits the update result to the user terminal 10 (step D12), and transmits to the settlement method management server 20 the personal authentication ID of the settlement method management center and the settlement method newly selected by the user. (Step D13).
The user terminal 10 displays the update result received from the Internet service provider terminal 30 (step D14), so that the user can check the updated content.

On the other hand, the settlement method management server 20 specifies personal information based on the personal authentication ID received from the Internet vendor terminal 30 (step D15). Further, the settlement method for each trader in the personal information stored in the personal information database 21 is updated (step D16), and the update result is transmitted to the user terminal 10 (step D16).
As described above, according to the present embodiment, when the user designates the payment method of the Internet company, the trouble of confirming the payment method usable by the Internet company and the payment method possessed by the user is reduced, which is convenient. In addition, the latest usage of payment methods can always be confirmed with the personal information of the payment method management center.
In addition, there is an effect that the Internet trader can simplify the user's procedure and facilitate the use of sales and services.

  Note that the user information providing program incorporated in the payment method management server 20 analyzes and tabulates the tendency of the payment method used by the user of the payment method management center, and provides it to an Internet company or a payment organization. For example, the user information providing program refers to the personal information database 21 and orders cards that have many users, orders cards that are often used in transactions with Internet providers, For example, statistical information such as the transition of the cumulative number of users in the past year is collected, and the information is provided to the Internet provider terminal 30 and the settlement institution terminal 40. Internet vendors and payment institutions can use this information for additional consideration of users and payment methods that can be expected to increase sales, and for sales promotion measures such as campaign planning.

  A user can easily manage a settlement method used for settlement for each trader when dealing with an internet trader that provides product sales and paid services on the internet.

It is a block diagram showing the structure of the Example of this invention. It is a flowchart explaining operation | movement of the Example of this invention. It is a flowchart explaining operation | movement of the Example of this invention. It is a flowchart explaining operation | movement of the Example of this invention. It is a flowchart explaining operation | movement of the Example of this invention. It is explanatory drawing of the example of a screen display of the personal information which the user of the Example of this invention holds. It is explanatory drawing of the example of a screen display of the personal information which the user of the Example of this invention holds.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 User terminal 20 Payment method management server 21 Personal information database 30 Internet trader terminal 40 Payment organization terminal 100 Internet

Claims (10)

A user terminal that transmits a payment method used by a user and a payment method for each trader that the user uses in a transaction with a trader among the payment methods;
When the payment method received from the user terminal is transmitted to a payment institution terminal designated by the payment method, and the payment method is received from the payment institution terminal, the payment method is a payment method registered in the payment institution terminal. The method is registered in the database, the merchant settlement method is transmitted to the merchant terminal of the merchant designated by the merchant settlement method received from the user terminal, and the merchant terminal settlement method can be used by the merchant from the merchant terminal. A payment method management server that registers the payment method for each trader in a database upon receiving a notification that is a simple payment method. The settlement method management server uniquely generates an authentication ID for authenticating the user and transmits the authentication ID to the user terminal in advance, and registers the settlement method and the settlement method for each trader in the database using the authentication ID as an index. The settlement method management system according to claim 1, wherein: The merchant terminal transmits the authentication ID received from the user terminal to the payment method management server and receives the payment method specified by the authentication ID from a database of the payment method management server. When the payment method selected from the payment methods available at the merchant is received from the user terminal, the payment method that can be used at the merchant and the payment method that cannot be used are separately transmitted to the user terminal. 3. The payment method management system according to claim 2, wherein an ID is transmitted to the payment method management server and registered as a new payment method for each trader. The payment method management server, when detecting the payment method that is about to expire in the payment method registered in the database, notifies the user terminal that has registered the payment method to that effect. The settlement method management system according to 1. Receiving a payment method used by the user from the user terminal;
Transmitting the received payment method to a payment institution terminal designated by the payment method;
Receiving the notification that the payment method is a payment method registered in the payment institution terminal from the payment institution terminal, and registering the payment method in a database;
Receiving from the user terminal a payment method by trader used by a user in a transaction with a trader among the payment methods;
When the merchant settlement method is transmitted to the merchant terminal of the merchant designated by the merchant settlement method, and the merchant terminal receives a notification that the merchant settlement method is a settlement method that can be used by the merchant, the merchant settlement Registering the method in the database;
A settlement method management method characterized by comprising: An authentication ID for authenticating a user is uniquely generated and transmitted to the user terminal in advance, and the settlement method and the settlement method for each trader are registered in the database using the authentication ID as an index. The settlement method management method according to claim 5. The vendor terminal transmitting the authentication ID received from the user terminal to a server having the database;
When the merchant terminal receives the payment method specified by the authentication ID from the server, the payment method is divided into a payment method that can be used by the merchant and a payment method that cannot be used, and is transmitted to the user terminal. Steps,
When the merchant terminal receives a payment method selected from the payment methods available at the merchant from the user terminal, it sends this and the authentication ID to the server to register as a new merchant-specific payment method. The settlement method management method according to claim 6, further comprising: a step. Enter the database and order the cards that have many users, order the cards that are often used in transactions with vendors, and change the cumulative number of users for each card and financial institution over the past year 6. The settlement method management method according to claim 5, further comprising a step of collecting statistical information including the information and transmitting the information to the vendor terminal and the settlement institution terminal. Means for receiving payment methods available to the user;
Means for transmitting the received payment method to a payment institution terminal designated by the payment method;
Means for registering the payment method in a database upon receiving notification from the payment authority terminal that the payment method is a payment method registered in the payment authority terminal;
Means for receiving a merchant-specific settlement method used by a user in a transaction with a merchant among the settlement methods;
When the merchant settlement method is transmitted to the merchant terminal of the merchant designated by the merchant settlement method, and the merchant terminal receives a notification that the merchant settlement method is a settlement method that can be used by the merchant, the merchant settlement Means for registering a method in the database;
A settlement method management server. Processing to receive the payment method used by the user;
A process of transmitting the received payment method to a payment institution terminal designated by the payment method;
Processing for registering the payment method in a database upon receiving notification from the payment facility terminal that the payment method is a payment method registered in the payment facility terminal;
A process of receiving a payment method by trader used by a user in a transaction with a trader among the payment methods;
When the merchant settlement method is transmitted to the merchant terminal of the merchant designated by the merchant settlement method, and the merchant terminal receives a notification that the merchant settlement method is a settlement method that can be used by the merchant, the merchant settlement Registering a method in the database;
A program that causes a computer to execute.

Images