JP2006107114A - Settlement method, settlement system and settling program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To secure security in time of settlement in on-line shopping. <P>SOLUTION: A store server 1 establishing an on-line shopping site receives order information in the on-line shopping from a user terminal U connected via a network N, settlement information including a money amount required to a user operating the user terminal U is generated on the basis of the order information, and transmits the settlement information to a settlement server 2 connected via the network N. The user terminal U is connected to the settlement server 2. The settlement server 2 receives the settlement information from the store server 1, receives user information specific to the user used in time of settlement processing to the user from the connected user terminal U, and performs the settlement processing on the basis of the user information and the settlement information. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a settlement method, and more particularly to a settlement method in online shopping via a network. The present invention also relates to a payment system and a payment program.

  As personal computers become popular in ordinary households and the number of Internet connections increases, online shopping via the Internet is routinely performed by general users. As a general shopping method at this time, first, a user accesses a shopping site via the Internet using his / her terminal, browses an explanation of a product (or service) handled on the site, and purchases a product. (Or service). Then, enter the shipping address of the product such as the user's own home address and financial related information (bank account number, credit number) required for settlement in the state of accessing the shopping site, and notify the merchant establishing the shopping site To do. In this way, the user can purchase goods (or services) online without visiting the store.

  However, in the above-described conventional online shopping system via the Internet, the user must manually input user information at the time of product purchase, and at the time of payment after product purchase, cash on delivery, bank transfer, convenience store There is a problem that the user has to make payment, and further, there is a problem that it is necessary to notify the shopping site of the user's financial related information (bank account number, etc.). That is, security is ensured for users because it is inconvenient to use because they need to input information and make payments during online shopping, and because financial information is sent to shopping sites via the Internet. It was difficult.

  On the other hand, in order to eliminate the trouble of the user at the time of online shopping and payment, the following Patent Document 1 discloses a system in which user information is registered in advance in a shopping site or a payment site. ing. In Patent Document 2 below, the purchaser is authenticated using signature data to improve security.

JP 2001-297282 A JP 2001-297284 A

  However, in the online shopping system in the conventional example, payment information used by a user for payment, authentication information (user ID, biometric data), etc. for authenticating the user himself / herself is received from the user for a store site that still performs online shopping. Have been notified. Accordingly, there is a possibility that such authentication information may be leaked from a store site accessed by an unspecified person, and there arises a problem that anxiety about security regarding personal information occurs.

  Therefore, an object of the present invention is to ensure the security of information related to the user's payment at the time of payment in online shopping.

Therefore, the settlement method according to the present invention is:
Settlement information including an amount requested by a store server that establishes an online shopping site receives order information in online shopping from a user terminal connected via a network and operates the user terminal based on the order information And sending the payment information to the payment server connected via the network, and connecting the user terminal to the payment server,
The payment server receives payment information from the store server, receives user information specific to the user used during payment processing for the user from the connected user terminal, and makes payment based on the user information and the payment information. Process,
It is characterized by that.

  According to the above invention, first, a user accesses a store server at a user terminal to perform online shopping, and transmits order information specifying a product to be purchased (including services, hereinafter referred to as a product). Then, the store server receives this and calculates the purchase price based on the order information. Thereafter, the store server transmits the payment information including the purchase amount to the payment server and connects the connected user terminal to the payment server. The payment server with which the connection with the user terminal has been established requests the user terminal for user-specific user information used for payment processing such as a user-specific password, credit number, bank account information, and credit number information, and Receive from user terminal. And the payment process of the money contained in the payment information received from the store server is performed using this received user information.

  Therefore, in the present invention, as shown in the above operation, bank account information, credit numbers, or information used for payment processing such as a user ID and password is not directly notified to the store server, but directly to the payment server. Therefore, the minimum necessary notification is sufficient, and outflow to the outside can be suppressed. As a result, security can be strengthened.

In addition to the above configuration,
The payment processing performed by the payment server performs user authentication based on user authentication information included in the received user information and pre-registered information corresponding to the user authentication information. Payment processing is performed based on pre-registered payment processing information used when charging.
It is characterized by that.

  Thereby, since the payment processing information used when actually charging the user (charging the purchase amount) such as bank account information and credit number information used at the time of payment of the user is registered in advance, If the authentication is successful, the payment processing can be performed using the registered payment processing information. That is, since the payment processing is realized by the payment server receiving only the user ID and password from the user terminal, the convenience of the user can be improved. Further, even in such a case, the store server is not notified of any information necessary for the user's payment, but is only notified to the payment server, so that security can be enhanced.

In addition to the above configuration,
Before and after the payment processing, the payment server inquires the user terminal about user-specific information that is permitted to be disclosed to the store server, accepts the response, and notifies the store server of the information permitted to be disclosed by the accepted response. It is characterized by that.

At this time,
When the settlement server makes an inquiry to the user terminal for information that is permitted to be disclosed to the store server, information used when the store server ships the ordered product to the user operating the user terminal. It is characterized in that it is presented to the user terminal so that it can be selected and responded as disclosure permission information.

  Thereby, of the user-specific information notified from the user terminal to the payment server at the time of payment or registered in advance, information that may be disclosed to the store server is confirmed from the payment server to the store server. For this reason, only the information necessary for the purchase of the product such as the shipping destination of the product and the information permitted to be disclosed to the store server by the user is notified to the store server. Accordingly, only the minimum information necessary for smooth online shopping, for example, only the name and address of the user used to ship the product are disclosed to the store server, and the information relating to the settlement is still stored in the store server. Therefore, security can be enhanced.

In addition to the above configuration,
The store server receives payment server specifying information for specifying a payment server that the user desires to make payment from the user terminal, and becomes a connection destination of the user terminal based on the payment server specifying information and It is characterized by determining a settlement server as a transmission destination.

  Thereby, the user can transmit the information which specifies the payment server which wishes to pay to a store server. Accordingly, it is possible to select a reliable settlement server and not to transmit the own settlement information to the store server in the same manner as described above, so that the security can be further enhanced.

The present invention is also a store server for opening an online shopping site,
Order information receiving means for receiving order information in online shopping from a user terminal connected via a network;
Payment information generation means for generating payment information including an amount requested for a user operating the user terminal based on the order information;
User terminal connection relay means for transmitting payment information to the payment server and connecting the user terminal to the payment server in order to make payment based on the payment information between the payment server and the user terminal connected via the network When,
It is characterized by having.

The present invention is also a payment server that is connected to a user terminal via a network and performs payment for shopping performed by the user terminal at an online shopping site,
Payment information receiving means for receiving payment information including an amount requested for a user who has performed online shopping by operating a user terminal, from a store server that establishes an online shopping site connected via a network;
User information receiving means for receiving user-specific user information used at the time of settlement processing for the user from a user terminal connected via the store server;
Payment processing means for performing payment processing based on the user information and payment information;
It is characterized by having.

  Furthermore, the present invention is also a program for realizing each of the above means in the store server or the settlement server.

The present invention is also a payment system comprising a store server for opening an online shopping site, and a payment server connected to the store server via a network for payment of shopping at the online shopping site,
Order information receiving means for receiving order information in online shopping from a user terminal connected via a network by the store server, and settlement information including an amount requested for a user operating the user terminal based on the order information A payment information generating means for generating; and a user terminal connection relay means for transmitting the payment information to the payment server and connecting the user terminal to the payment server;
Payment information receiving means for receiving payment information from the store server, and user information receiving means for receiving user-specific user information used at the time of payment processing for the user from a user terminal connected via the store server. And payment processing means for performing payment processing based on the user information and payment information,
It is characterized by that.

  As described above, the present invention can achieve the above-described object because it operates in the same manner as the above-described payment method even in the configuration of the store server, the payment server, the program incorporated therein, and the payment system.

  Since the present invention is configured and functions as described above, according to this, the bank account information, the credit number, or the user-specific information used for the settlement process such as the user ID and password is directly notified to the settlement server. No important user-specific information necessary for payment is disclosed to the store server that does not perform payment, and leakage of such information to the outside can be suppressed, and as a result, security in online shopping is enhanced. It has an unprecedented excellent effect of being able to.

  In the payment system according to the present invention, when performing online shopping, the user does not need to notify the online shopping site of information necessary for payment, but only notifies the payment site that performs payment of information used for payment. It has the characteristics. Hereinafter, the detailed configuration and operation of the payment system will be described in the embodiments.

  A first embodiment of the present invention will be described with reference to FIGS. FIG. 1 is a block diagram showing the configuration of the entire system. 2 to 3 are explanatory diagrams showing the configuration of the store server. 4 to 6 are explanatory diagrams showing the configuration of the settlement server. 7 to 8 are sequence diagrams showing the operation of the system.

<Overall configuration>
As shown in FIG. 1, the payment system includes a store server 1 and a payment server 2 connected to a plurality of user terminals U via a network N. Then, the user terminal U accesses the shopping site established by the store server 1 to place an order for the product, and accesses the settlement server 2 to perform settlement. Hereinafter, each configuration will be described in detail.

<User terminal>
The user terminal U is an information processing apparatus such as a personal computer operated by a general user, and is equipped with a communication device so that each server (site) on the network N can be accessed. In particular, it has a function of accessing product information and settlement site information provided by the store server 1 that establishes an online shopping site and displaying the information on the screen.

  Further, the user terminal U stores, via the network N, order information that is product information of a product that the user desires to purchase and payment site designation information that is payment site information designated by the user through a network N. A function for transmitting to the server 1, a function for transmitting user authentication information at the time of user authentication performed with the settlement server 2, a function for receiving disclosed user information transmitted from the settlement server 2 and displaying it on the screen, and a user The function of transmitting the disclosure permission information to the settlement server 2 by the operation of. However, the function with which the user terminal U is provided is not limited to the said function.

<Store server>
The store server 1 is an information processing device such as a workstation server such as a server computer managed by a store that operates an online shopping site, and has a function of opening an online shopping site. Here, the configuration of the store server 1 will be described with reference to FIGS. 2 to 3. FIG. 2 is a functional block diagram illustrating the configuration of the store server 1, and FIG. 3 is a diagram illustrating a screen displayed on the user terminal U by the store server 1.

  As shown in FIG. 2, the CPU (1A) that is the arithmetic unit of the store server 1 receives order information in online shopping from the user terminal U connected via the network N by incorporating a specific program. Order information reception processing unit 11 (order information reception unit) and payment information generation processing unit 12 (payment information generation unit) that generates payment information including an amount requested to the user of the user terminal U based on the order information. A payment site relay processing unit 13 (user terminal connection relay means) for transmitting the payment information to the payment server 2 and connecting the user terminal 1 to the payment server 2, and a product shipping process for the user who has purchased the product And a shipping processing unit 14 that performs the above.

  Further, as described above, the hard disk (1B), which is a storage device of the store server 1, stores the product information presented to the user terminal U and the payment site information (product information storage unit 15, payment). A site information storage unit 16) is formed. The merchandise information is information on merchandise that the store server 1 can purchase at the shopping site and handles, for example, information on merchandise such as books, concert tickets, or software. Specifically, information such as the name, model number, product number, color or price of the product is included. However, the product to be purchased is not limited to being tangible, and may be a service (service) provided by the store. The payment site information that can be browsed by the user terminal U is information related to the payment site (payment server 2) with which the shopping site is affiliated. This settlement site includes, for example, a settlement site operated by a trader such as an Internet service provider (Internet connection agency) with which the user has a contract. Specifically, the payment site information includes a name of the payment site and a description of the site, and further stores access information (URL, etc.) to the payment site in association with each other. In addition, each said information is not limited to memorize | stored in the shop server 1, You may memorize | store in the other computer (or storage device) connected via the network N. And it may be read by the store server 1 as necessary.

  Here, the functions of the processing units 11 to 14 built in the CPU (1A) described above will be described in detail.

  First, when there is an access from the user terminal U, the order reception processing unit 11 reads out the product information and the settlement site information from the storage units 15 and 16 and transmits the information to the user terminal U, and displays the display unit of the user terminal U. To display. The state of this display is shown in FIG. As shown in FIG. 3A, first, a list of products (product information) handled at a shopping site that is the store server 1 is displayed, and the user selects a product desired to be purchased on the screen with a mouse or the like. Select by operating the keyboard. In this figure, it is possible to select a product by inputting the number of products desired to be purchased and pressing a purchase button. Subsequently, a settlement site list (payment site information) shown in FIG. 3B is displayed, and the user selects one settlement site. The product specifying information for specifying the product selected by the user and the payment server specifying information for specifying the payment server are received as order information and notified to the payment information generation processing unit 12.

  The settlement information generation processing unit 12 adds a consumption tax, a fee, etc. to the amount of the product itself using the product information in the product information storage unit 15 based on the notified order information, particularly the product identification information. Then, a payment amount requested from the user is calculated, and settlement information including this amount is generated. Specifically, information on the product specified by the product specifying information is searched from the product information, the amount of the product is extracted, multiplied by the number included in the product specifying information, and the set tax rate is further calculated. Multiply or add the delivery fee to calculate the payment amount. Then, the payment site relay processing unit 13 is notified as payment information. At this time, the settlement site specifying information included in the order information is also notified.

  The settlement site relay processing unit 13 guides the user terminal U who has placed an order by accessing the store server 1 to the settlement site established by the settlement server 2 specified by the settlement site specifying information. Specifically, the address (URL) to the payment server 2 specified by the notified payment site specifying information is extracted from the payment site information storage unit 16, and the access destination of the user terminal U is changed to the payment server 2. Then, the user terminal U and the settlement server 2 are connected. Further, the settlement site relay processing unit 13 notifies the settlement server 2 of the settlement information regarding the user terminal U at the same time. Thereby, a payment process is performed between the user terminal U and the payment server 2 without going through the store server 1.

  In addition, the shipping processing unit 14 receives information related to the user of the user terminal U from the settlement server 2 later, for example, information such as the name and address of the user necessary for shipping the ordered product. At this time, such user information is information (disclosure user information) of content that the settlement server 2 receives permission from the user terminal U to the store server 1 as described later. And the dispatch process part 14 outputs with respect to the dispatch system in a store, such as outputting the instruction | indication which ships goods based on the received disclosed user information on a screen. At the same time, the settlement server 2 is notified of product shipment completion information indicating that the shipping instruction has been completed. The merchandise shipping completion information may be notified to the settlement server 2 after an input indicating that the shipping of the merchandise is actually completed by an operator or the like.

<Payment server>
The settlement server 2 is an information processing device such as a workstation server such as a server computer that performs settlement processing by a user (user terminal) for the online shopping site (store server 1), and authentication of a user who performs shopping and settlement And a settlement process such as charging the user's bank account. For example, it is operated by a provider in which information necessary for settlement such as financial institution information of the user terminal U is already registered, a credit company, and a financial institution itself in which the user has an account.

  In the following, the configuration of the settlement server 2 will be described with reference to FIGS. 4 to 6. FIG. 4 is a functional block diagram showing the configuration of the settlement server 2, and FIG. 5 is a diagram showing the contents of user registration information stored in the settlement server 2. FIG. 6 is a diagram showing a screen displayed on the user terminal U by the settlement server 2.

  As shown in FIG. 4, the CPU (2A) that is the arithmetic unit of the settlement server 2 is requested to the user of the user terminal U who has performed shopping from the store server 1 by incorporating a specific program. A user who performs user authentication by receiving user information necessary for payment from a payment information reception processing unit 21 (payment information reception means) that receives payment information including the user terminal U connected via the store server 1 and user authentication Based on the authentication processing unit 22 (user information receiving means), the shipping instruction processing unit 23 that notifies the store server 1 of the result of user authentication and issues a product shipping instruction, and the received user information and settlement information A settlement processing unit 24 (settlement processing means) that performs settlement processing is constructed.

  The hard disk (2B), which is a storage device of the payment server 2, refers to the user registration information storage unit 25 in which user information (user registration information) registered to make a payment in advance is stored and the payment processing. A payment process information storage unit 26 in which information (payment process information) is stored in advance is formed. The user registration information includes, for example, the contents shown in FIG. In this figure, user registration information of “user A” is shown, but the user name (user ID), password, name, address, telephone number, payment method, bank account number, etc. are notified from the user to the payment server 2. Is registered. Note that the payment method may be set to pay by credit card. In such a case, the credit card number is registered instead of the bank account number. Furthermore, the payment method may be set at a convenience store, or may be another payment method. The payment processing information stores information necessary for the payment processing. For example, in the case of debiting from a bank account, a specific bank-specific code specified in the user registration information A number and the like are stored, and data necessary for a settlement process executed by the computer is stored.

  Here, the functions of the processing units 21 to 24 constructed in the CPU (2A) described above will be described in detail.

  First, the payment information reception processing unit 21 receives the payment information including the payment amount of the user shopping calculated by the store server 1 and notifies the user authentication processing unit 22 of the payment.

  The user authentication processing unit 22 associates the received payment information with the user terminal U that has been accessed via the store server 1, and performs user authentication processing on the connected user terminal U. Specifically, screen information as shown in FIG. 6A is transmitted to the user terminal U for display, and the user is prompted to input user authentication information such as a user name (user ID) and password. When the user name and password input at the user terminal U are received, it is checked whether or not such user information is registered in the user registration information storage unit 25. If the authentication is successful, then a part of the currently registered user registration information is transmitted to the user terminal U for display, and as shown in FIG. Request selection of user information. At this time, only the minimum information necessary for shipping the product notified in advance from the store server 1 is transmitted to the user terminal U, for example, only the user's name, address, and telephone number, and such information is disclosed to the user. An inquiry may be made as to whether or not the information is permitted. As described above, it is preferable that information important to the user such as information necessary for user authentication, that is, information related to settlement cannot be selected by the user as disclosed user information. Then, the disclosed user information selected by the user terminal U in response to the disclosed user information selection request is notified to the shipping instruction processing unit 23. In addition, among the user registration information of the user, information such as a settlement method and an account number necessary for settlement is notified to the shipping instruction processing unit 23 or the settlement processing unit 24.

  The shipping instruction processing unit 23 notifies the disclosure server information to the store server 1 and instructs to ship the product according to the user's order. Therefore, since only the information used for shipping such as the user's address is notified to the store server 1, it is possible to suppress the disclosure of extra personal information, particularly important information necessary for settlement, to the store. Thereafter, when shipping completion information is received from the store server 1, the payment processing unit 24 is notified of this, and user registration information and payment information regarding the user are also notified.

  Then, the settlement processing unit 24 confirms a settlement method, bank account information, and the like based on the user registration information of the user who has received the shipment completion information, and also performs a settlement process information storage unit 26 so as to perform settlement suitable for the settlement method. Necessary information is extracted from and processed for payment. For example, the code number of the bank performing the settlement is confirmed from the user registration information and the settlement processing information, and the payment amount included in the settlement information is withdrawn from the user's account.

  Thereafter, the payment processing unit 24 may automatically transfer the money withdrawn from the user to the bank account of the store that operates the store server 1. In such a case, bank account information for each store is stored in the settlement processing information storage unit 26. Alternatively, it may be manually transferred from a business operator operating the settlement server 2 to the store.

<Operation>
Next, the operation of the payment system having the above configuration will be described with reference to FIGS. 7 to 8 are sequence diagrams showing the operation of the entire system. FIG. 8 is a continuation of FIG.

  First, when a user accesses an online shopping site established by the store server 1 using the user terminal U (step S1), the store server 1 transmits product information and settlement site information to the user terminal U correspondingly. (Step S2). In the user terminal U, various kinds of product information are displayed on the screen (see step S3, FIG. 3A), and the user refers to the product information and designates on the screen if there is a product to be purchased (step S4). . When the user clicks the “Purchase button” with the mouse, the payment site information is displayed on the user terminal U (see step S5, FIG. 3B), and the user designates a desired payment site (step S6). ). Then, by clicking the selection button with the mouse, the user terminal U transmits order information including the product specifying information and the settlement site specifying information to the store server 1 based on the specified information (step S7).

  When the store server 1 receives the product specifying information and the settlement site specifying information from the user terminal U, the store server 1 calculates the purchase price based on the product specifying information and the prestored product information, and generates payment information (step S8). ). Then, based on the payment site specifying information and the payment site information stored in advance, the generated payment information is transmitted to the payment server 2 (step S9). At the same time, the connection destination of the user terminal U that placed the order is switched to the settlement server 2, and the user terminal U and the settlement server 2 are instructed to connect (step S10). Thereby, the connection between the user terminal U and the settlement server 2 is established (steps S11 and S12).

  Subsequently, the settlement server 2 requests a user ID and a password from the connected user terminal U (see step S13, FIG. 6A). In response to this, the user inputs the user ID and password to the user terminal U, and transmits such information to the settlement server 2 (step S14). Then, the settlement server 2 performs user authentication by checking whether or not the received user ID and password match the user registration information stored in advance (step S15).

  And if the user authentication mentioned above succeeds (step S16, it progresses to FIG. 8 via the code | symbol A), the payment server 2 will be a part of user registration information with respect to the user terminal U, for example, a name, an address, a telephone number. To request confirmation of whether or not to permit disclosure to the store server 2 (step S17, see FIG. 6B). On the other hand, the user displays the user-specific information received on the user terminal U, and designates information that may be notified to the store server 1 (step S18). At this time, since the displayed information is the minimum information necessary for the store server 1 to ship the product, the user visually confirms the content of the transmitted information so that there is no problem in the content. Then, information indicating that the disclosure is permitted to the settlement server 2 is notified. (Step S19).

  When the settlement server 2 receives the disclosure permission information from the user terminal U, the settlement server 2 transmits the address, which is the disclosed user information, to the store server 1 to notify the user authentication success and the order product shipping instruction (step) S20). The store server 1 receives the disclosed user information, instructs the worker to ship the product based on the disclosed information (step S21), and settles the product shipping completion information indicating that the product shipping instruction has been completed. It transmits to the server 2 (step S22).

  When the settlement server 2 receives the product shipment completion information from the store server 1, the settlement server 2 charges the user's financial institution account based on the user registration information and the settlement processing information (step S23). Accordingly, the settlement company on the settlement server 2 side sends (transfers) the collected product price to the store side (store server 1) (step S24). And the store side receives the price of goods (step S25). Further, the user receives a product (step S26).

  In this way, bank account information, credit numbers, or information used for payment processing such as a user ID or password is not notified to the store server 1 but directly to the payment server 2, which is necessary. Minimal notification is sufficient, and leakage to the outside can be suppressed. As a result, security during online shopping can be strengthened. In addition, it is possible to reduce the labor of user input in settlement.

  The present invention has industrial applicability because a merchant that establishes an online shopping site and a merchant that performs payment can be installed and used as a system that operates on a network.

It is a block diagram which shows the whole structure of the payment system which is this invention. It is a functional block diagram which shows the structure of a shop server. FIGS. 3A and 3B are explanatory diagrams illustrating examples of screens displayed on the user terminal that has accessed the store server. It is a functional block diagram which shows the structure of a payment server. It is explanatory drawing which shows an example of the user registration information memorize | stored in the payment server. FIGS. 6A and 6B are explanatory diagrams illustrating examples of screens displayed on the user terminal that has accessed the settlement server. It is a sequence diagram which shows operation | movement of a payment system. FIG. 8 is a sequence diagram showing the operation of the payment system, showing the continuation of FIG. 7.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Store server 2 Settlement server 11 Order reception process part (order information reception means)
12 Settlement information generation processing unit (Settlement information generation means)
13 Settlement site relay processing unit (user terminal connection relay means)
14 Shipment processing unit 15 Product information storage unit 16 Settlement site information storage unit 21 Settlement information reception processing unit (Payment information reception means)
22 User authentication processing unit (user information receiving means)
23. Shipping instruction processing unit 24. Payment processing unit (settlement processing means)
25 user registration information storage unit 26 payment processing information storage unit U user terminal N network

Claims (10)

Settlement information including an amount requested by a store server that establishes an online shopping site receives order information in online shopping from a user terminal connected via a network and operates the user terminal based on the order information And sending the payment information to a payment server connected via the network, and connecting the user terminal to the payment server,
The payment server receives the payment information from the store server, and receives user information specific to the user used during payment processing for the user from the connected user terminal. To process payment based on
A payment method characterized by the above. The payment processing performed by the payment server performs user authentication based on user authentication information included in the received user information and pre-registered information corresponding to the user authentication information. Payment processing based on pre-registered payment processing information used when charging for
The settlement method according to claim 1.   Before and after the settlement process, the settlement server inquires the user terminal for information specific to the user that is permitted to be disclosed to the store server, accepts the response, and the information permitted to be disclosed by the accepted response. The settlement method according to claim 1, wherein the store server is notified.   When the payment server sends an inquiry to the user terminal for information that is permitted to be disclosed to the store server, when the store server ships the ordered product to the user operating the user terminal 4. The settlement method according to claim 3, wherein information used in the above is presented to the user terminal so as to be selectively responsive as disclosure permission information.   The store server receives payment server specifying information for specifying a payment server that the user desires to make payment from the user terminal, and becomes a connection destination of the user terminal based on the payment server specifying information. 5. The settlement method according to claim 1, 2, 3, or 4, wherein the settlement server that is a transmission destination of the settlement information is determined. A store server that opens an online shopping site,
Order information receiving means for receiving order information in online shopping from a user terminal connected via a network;
Payment information generation means for generating payment information including an amount requested for a user operating the user terminal based on the order information;
In order to make a payment based on the payment information between the payment server and the user terminal connected via the network, the payment information is transmitted to the payment server and the user terminal is connected to the payment server. A user terminal connection relay means for connection;
A store server comprising: A payment server connected to a user terminal via a network and performing payment for shopping performed by the user terminal at an online shopping site;
Payment information receiving means for receiving payment information including an amount requested for a user who has performed online shopping by operating the user terminal, from a store server that establishes an online shopping site connected via the network;
User information receiving means for receiving user-specific user information used at the time of settlement processing for the user from the user terminal connected via the store server;
Payment processing means for performing payment processing based on the user information and the payment information;
A settlement server characterized by comprising: A payment system comprising: a store server that establishes an online shopping site; and a payment server that is connected to the store server via a network and performs payment for shopping at the online shopping site,
The store server includes order information receiving means for receiving order information in online shopping from a user terminal connected via a network, and settlement including an amount requested to a user operating the user terminal based on the order information Payment information generating means for generating information, and user terminal connection relay means for transmitting the payment information to the payment server and connecting the user terminal to the payment server,
The payment server receives payment information reception means for receiving the payment information from the store server, and user information specific to the user to be used at the time of payment processing for the user from the user terminal connected via the store server. User information receiving means, and payment processing means for performing payment processing based on the user information and the payment information,
A payment system characterized by that. In the store server that opens an online shopping site,
Order information receiving means for receiving order information in online shopping from a user terminal connected via a network;
Payment information generation means for generating payment information including an amount requested for a user operating the user terminal based on the order information;
In order to make a payment based on the payment information between the payment server and the user terminal connected via the network, the payment information is transmitted to the payment server and the user terminal is connected to the payment server. A user terminal connection relay means for connection;
Settlement program for realizing. To a payment server connected to the user terminal via the network and performing payment for shopping performed by the user terminal at the online shopping site,
Payment information reception means for receiving payment information including an amount requested for a user who has performed shopping by operating the user terminal, from a store server that establishes an online shopping site connected via the network;
User information receiving means for receiving user-specific user information used at the time of settlement processing for the user from the user terminal connected via the store server;
Payment processing means for performing payment processing based on the user information and the payment information;
Settlement program for realizing.

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