JP2006244459A - Payment deposit transfer system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electronic commerce payment system for guaranteeing a reliable and reasonable transaction with no accidents. <P>SOLUTION: This payment deposit transfer system is the one that prevents accidents and reduces risks in electronic commerce, wherein Internet banking is provided to a payment processing trader and a delivery operator as restrictive measures of service charge that occurs, dealers use the Internet communication line and dedicated lines to construct a VPN (virtual private network), servers of respective companies cooperatively perform information exchange on the Internet while complementing check points in a series of transactions one another, and the respective dealers share technical business fields one another to complete a business flow on commercial transactions. When placing an order, a customer once deposits the amount of payment from a self-account to the account of the payment processing trader, makes confirmation after purchased merchandise or the like is delivered and makes the final payment after the lapse of a prescribed time, so that exchange between the merchandise and payment can reliably be carried out to prevent the occurrence of the accident. When the balance of the self-account is lower than the payment, just clicking a loan button provides a service that provides a loan for an insufficient amount. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to means for realizing simple operability on the screen from ordering of goods and various services when using commercial transactions and various services in an electronic information processing system using the Internet, and troubles caused by the commodity delivery confirmation system. This is a web application system for payment processing that aims to complete and prevent transactions by generating and preventing accidents.

Processing to make payments when paying for payment or usage fees when purchasing or applying for shopping, auctions or other admission tickets or tickets using the Internet line on PCs, mobile phones, mobile devices, etc. due to the spread of the Internet However, there are various methods such as bank transfer, postal transfer, credit card and cash on delivery at convenience stores that have been used in the past, and each site adopts each method and corresponds to the Internet It has been used as a payment processing method, but it has developed a new payment system that responds to the problems of the current payment system and the e-commerce market that is increasing every year, and provides a large amount of processing capacity and a quick method. Therefore, it is necessary to build a system that can respond to market demands and improve utilization.
Japanese Patent Application No. 2003-436307 Japanese Patent Application No. 2005-58135

Problems to be solved by the invention

  With regard to the settlement method of the price generated by conducting business transactions over the Internet, the legacy method that has been used from the past is still mainstream and is digitized corresponding to the Internet, but at present It is necessary to improve the payment processing method in many respects and improve convenience so that everyone can easily and easily perform payment processing, but it is still full-scale Internet compatible and excellent in convenience and operability It can be said that the current situation is hard to say.

  Analyzing the problems of the current methods, it is complicated and complicated to access the financial institution via the Internet in order to execute the settlement procedure using the Internet line. Of course, from the aspect of maintaining the confidentiality of personal information, it is necessary to carry out certain procedures that are necessary from the establishment of a complete system. However, it is easy to log in to a financial institution server from a user terminal while completely covering security in these aspects. Therefore, it is necessary to develop and disseminate a simple settlement system capable of confirming the details of the transfer of funds in the self account and the balance and transaction results.

  Next, since it is a transaction with an invisible partner through electronic commerce via the Internet, there is a side that cannot be relieved until the transaction is completed successfully. In other words, the risk of the seller and the purchaser will be at odds depending on whether the purchased product is paid to the other party before arrival or paid after arrival. Even if trouble occurs, it is easy to solve the problem, but if you try to make a deliberate or unhealthy transaction or if trouble occurs due to force majeure, the problem may be prolonged due to the difference in interpretation of the trouble. It is necessary to supplement the system that can perform maintenance to solve problems. In other words, by adopting a quick problem-solving method, the parties can solve the problem without consuming unnecessary mental and time labor, and the establishment of a system that enables both the seller and the buyer to perform reliable transactions with peace of mind. It is necessary, and the present system has a system configuration having a solution focused on solving these problems.

  As a further problem in the current situation involving payments when processing procedures on the Internet such as electronic commerce and various services that are increasing with the spread of the Internet, first of all, it is divided into several stages such as transfer fee of fee or usage fee of X-ray There is a disadvantage that the burden on the user is increased because of a service usage fee. In the EC business industry, niche companies that provide various services are currently regarded as business opportunities and intervene in the distribution channel, so the usage fee is added to the purchase price, resulting in an increase in price. . For this reason, it is necessary to reduce the costs by eliminating as many service providers as possible from the seller to the consumer's hand, and to establish and disseminate a distribution system that enables inexpensive shopping. For that purpose, it is important to provide a service by constructing a distribution system that generates no fees as much as possible in providing services from ordering to settlement. To automate the whole. In other words, the automation of electronic commerce on the website will be promoted. It is necessary to automate the system management with a small number of personnel and improve the distribution system to reduce costs.

  Next, when you make an urgent purchase of a product or use various services on the Internet, when you perform payment processing at the same time as applying, the balance of your account is insufficient by logging in to the established Internet bank and operating on the Web screen It is also troublesome to proceed with the application process for loans and the like from another screen in order to procure the insufficient amount. In such a case, if you click the loan button on the payment screen, you can complete a smooth transaction immediately if you make a contract in advance that the shortage will become a loan on the payment side. If these services are fully equipped, the convenience of Internet shopping will be further improved.

In the future, if shopping and various services in the EC business are not just interest-oriented use or use of early adapters, everyone will be able to use it easily and easily, and will continue to provide services to customers from anywhere in the country. In order to eliminate the regional disparity of buyers and increase the total amount of commercial transactions via the Internet, there is a payment method, elimination of risks incurred in transactions, reduction of fees, and improved convenience of payment operation processing. There is a need to emerge and spread. In the current electronic commerce and the like, it is still necessary to further improve the above-mentioned problems, and it is important to establish a system for realizing measures for solving these problems.
Not only as a means of communication of data exchange for business transactions between buyers and sellers on the Internet, but also new related service effects through the cooperation of affiliated companies with their specialized services on the Internet. Will generate a positive effect on everyone involved in the transaction. In other words, instead of providing e-commerce services on the Internet alone, the related specialists work together to form an overall service that is completed in terms of fees and safety. It is for the purpose of provision.

Means for solving the problem

The present invention has a system configuration for processing a conventional purchase procedure such as shopping on the Internet to obtain the following added means to improve the problem of the conventional transaction procedure.
(1) Since the customer makes a final settlement after confirming the commodity after arrival in order to prevent the risk in dealings, both the seller and the purchaser have means for preventing unhealthy transactions.
(2) A system that improves the means of accessing and authenticating the Internet banking self account.
(3) Means for reducing the settlement fee.
(4) Means for displaying an internet banking balance sheet and a purchaser's purchase record schedule and a shopping cart detail slip on the same screen by GUI.
(5) Means for making a payment by a settlement company by one click when the balance of the self account at the time of purchase is insufficient.
(6) Automatic patrol software serving as a search robot for automatically confirming the amount transferred to a customer who desires a conventional payment method that is not a prescribed payment method recommended by the site operator.
By making these means feasible systems, it is possible to dramatically improve the operability from conventional Internet purchases to payments, and to prevent the occurrence of transaction accidents and realize safe transactions. Is possible.

  In order to execute the above-described means, the basic configuration of the system of the present invention is as follows. The server at the settlement agent, the server of the delivery company, and the server of the Internet banking are not connected anytime through the Internet line or the dedicated line, and are maintained in a connectable state. The information exchange format between the servers is unified with EDI to exchange data. The seller obtains permission from the shopping mall operator in advance and posts information on products to be sold on the page of the mall website. When a customer purchases a desired product or the like from a shopping mall site operated by a payment processor, customer information necessary for the payment processor is registered in advance. A customer in a transactionable state searches the Web site, puts a purchased product into a shopping cart, and operates an ordering process according to an instruction on the screen. At the same time as ordering, the customer has registered for opening an account in advance, so if the payment of the purchased product is temporarily transferred from his / her own account to the payment processing company's account, the payment will be transferred to the customer when the payment is confirmed A payment confirmation email is sent. A mail for instructing shipping is sent to the merchandise seller posted in the shopping mall, and a mail for instructing collection and delivery is also sent to the delivery company. The delivery company collects goods etc. instructed in the mail from the sales business and delivers them to the customer's address, and then logs in to the database of the settlement agent through the Internet or a dedicated line and inputs the completion of delivery. The settlement agent automatically generates a delivery completion e-mail to the customer after inputting the delivery completion information in the previous period and sends it to the customer. Also, from the time when the delivery completion is input until the specified time elapses after the server internal timer is started, the money that has already been transferred is kept in the account of the settlement processor as it is. If the customer confirms the received product etc. and is satisfied with no abnormality, it can be used as it is. If there is a defect or abnormality in the product, fill in the complaint details by e-mail to the settlement processor within the specified time. When transmitted, the settlement processor tells the seller the contents of the complaint and processes the problem. After the claims are settled between the purchaser and the seller, the settlement company performs a settlement process by transferring the money held in the account of each of the dealers, and the transaction ends. As pointed out in the previous term (1) above, it is a preventive measure against the occurrence of financial problems in dealings, and the cooperation between the three companies using the Internet communication line by the settlement company, the delivery company and the settlement financial institution It performs business execution and complements reliable delivery of goods.

  Next, the improvement method of (2) in the previous term is often adopted mainly by the method that required to enter ID and password by accessing Internet banking, which is a transaction, but this is quite time and labor. Therefore, the system implementing the present invention has been improved to a system for logging in easily while ensuring security. In this method, the user downloads the tool utility software from the payment processor site at the start of the transaction and installs it on the customer's terminal. Internet banking login software is also included, and the ID and password are automatically encrypted when the ID and password are entered. For this reason, it is not necessary to input an ID and password at the time of settlement, and the software automatically logs in to Internet banking, but authentication is required thereafter, and authentication is performed by performing a biometric authentication procedure according to the instructions on the screen. In this case, fingerprint authentication is performed as an example. When the customer is confirmed in this way, the transaction details screen of the customer's account is displayed and the settlement processing operation is performed. In this way, there is no need for an input operation to connect to Internet banking except at the start of a transaction, and necessary items are automatically transcribed, so that an operation can be performed without any erroneous operation.

  As a means for reducing the settlement fee of (3) above, the transaction processing and the delivery company, which are the basic system configuration of the present invention, can be carried out through a cooperative work by exchanging information through the use of the Internet line etc. by the three internet banking companies When the processing process is managed by a computer, if heartware is installed for information transmission, there is no cost, so the burden on the fee is reduced for users of the payment system. Internet banking affiliated with this settlement processor is affiliated with a free financial institution for transfers between accounts within the bank, so there is no fee for the transfer process at the time of settlement. In addition, if the conventional method is used, the use fee is incurred when using Exlow (Third Party Deposit), but if payment processing is used in this system, the payment processing company and the delivery company are exchanging information by using the Internet for business communication. It is a system that is configured to produce the same effect as escrow even if there is no escrow procedure from the beginning in free processing without generating. In addition, in the case of the conventional method, it can be used without generating a cash-on-delivery charge or an ex-row usage fee, so that the customer can purchase at a low price as a whole. As described above, when the conventional payment system is used, there are many cases where there is a trader who provides an agency service related to payment, and a usage fee is generated. On the other hand, in this system, since there is no service provider in between, various costs are eliminated and the burden on the purchaser is reduced.

  Aiming for a system that can process as quickly as possible without switching the screen many times on one display screen using the GUI in the previous period (4), the shopping cart displays the past transaction details screen of the payment agent. The hop-up window screen is displayed at the bottom, and the hop-up window screen, which is the details screen for Internet banking customers' deposits and withdrawals, is displayed at the top left. A configuration that makes it easy to judge the decision items while comparing the contents of the three screens on the Web screen by simultaneously displaying the three screens describing the detailed contents of the purchased products in the shopping cart on the past transaction details screen of the mall I have to. For those who are not good at PC operation by checking the detailed items on each screen while listing them on the Web screen, it is simpler and easier to use. In addition, the voice guidance and guidance wizard will guide you through the confirmation items and selection items.

  When a customer transfers money from a financial institution designated by the payment processor, the payment processor is also transferred to the main city bank or local bank in the shopping cart when applicable to the previous term (5). Are established at each financial institution, and a system is established to allow customers to transfer money, and the automatic patrol software searches each financial institution's transfer account at regular intervals, and deposit data is searched. As soon as the information is entered into the customer's database, it automatically proceeds to the next step.

  In the above (6) payment screen, the customer compares the balance of the customer's own account with the total amount of the shopping cart while looking at the screen. If it passes, the settlement processor can receive the loan in the form of replacement payment for the shortage of purchase amount, and it is possible to transfer to the account of the settlement processor and transfer it to the account of the settlement processor by the designated date at a later date. If you are in a hurry with a system that can do, it will be a convenient financing system.

  Each server of Internet banking and delivery company that cooperates with a payment processing company to perform the payment processing of the present invention is started by an independent program, but is connected and cooperated by a network line or a dedicated line by the Internet. Before establishing a business activity system for e-commerce payment processing, a unified technical specification was established and a system was established to enable each system to operate in cooperation. A program is created so that each processing means of the settlement process is performed.

  Explaining the technical specifications of the program while following the flow from shopping ordering to payment on the Internet, search and browse the products purchased at the first shopping mall and incorporate them into the shopping cart. Log in to the payment processor's server and request the display of the customer transaction details screen after authentication to send the data to the client computer in order to provide the data stored in the predetermined storage area. Although displayed on the screen, the format is standardized to EDI based on XML. The shopping cart wizard for the product to be purchased is displayed at the bottom center of the customer's transaction details screen, but the communication protocol used at this time is SOAP, and the language specification is unified to the description method by WSDL. With these technologies, means for searching and inquiring data stored by each cooperating company is realized using a VPN for the Internet network line. If you select the payment processing method for the product or service you want to purchase and select the payment deposit method of the present invention, clicking the payment deposit button will automatically log you in by logging in to the Internet banking server and entering the authentication step process, In accordance with the guide on the Web screen, biometric authentication is performed as described above, but in order to ensure safety, two-factor authentication is adopted when the transaction amount is a certain high amount or more. If authentication is passed, the transaction account balance screen of the customer's account will be displayed in a pop-up window in the upper right corner of the client's Web screen. The important point is that the data is encrypted on the Internet to prevent third-party snooping and tampering. The data is converted for this purpose. After receiving the encrypted data, it is decrypted by utility software installed on the customer's terminal and displayed on the screen. After the payment processing is executed securely and the money transferred from the customer's account to the payment processing company's account is confirmed by the payment processing company, operations such as delivery to the customer proceed according to the processing procedure of the payment processing company. However, the processing on the Web is standardized and conformed to UDDI and constitutes SOAP, and the specifications are unified and linked with related companies.

  The “settlement processor” in the present invention is a provider who basically performs a settlement process between a seller and a customer. There are three types of cases in which the payment processing business is performed exclusively in a corporate organization, the case where the delivery company performs payment processing concurrently, and the case where the Internet bang performs payment processing service concurrently, and one type can be classified into two industries. There are 6 types in total. There are also three types of auctions as a similar example, when the payment processing agency performs the payment processing agency, and when the delivery company shares the delivery and payment agency, when the internet banking also works as the payment agency. Although it is classified into three types, there are six types for convenience in two types, but it can be finely classified into the six types of the previous term just by replacing the seller with the exhibitor, but it is almost the same collaboration.

  “Internet banking” in the present invention includes not only specialized Internet banking but also financial institutions such as local city banks and credit unions that can perform deposits and withdrawals and transfer / transfer processes via the Internet line, and securities companies etc. in post offices It is what

  The “courier” in the present invention refers to a company that operates a logistic department in a parcel delivery company that operates courier service etc. on a nationwide scale.

  In the present invention, “customer” refers to a buyer or customer who purchases a product or service using a Web service on the Internet.

  In the present invention, the “transaction statement”, which is information used by the settlement processor to search and inquire through the Web service, is a list of detailed records of transaction data that the customer has purchased through the settlement processor until now. It will be a table.

  In the present invention, the transaction balance statement is data that is information to be searched and inquired by Internet banking, and displays a transaction details list such as deposit / withdrawal of the customer's transaction account up to now, account transfer and transfer.

Embodiment of the Invention

  FIG. 1 is a processing operation procedure from ordering processing to settlement processing and transaction termination by a shopping mall system when performing electronic merchandise and various services and electronic commerce in an electronic purchasing system provided with settlement processing means according to the present invention. It is a collaboration figure which shows the basic composition of.

  FIG. 1 shows a case where a large number of merchants C contract with an administrator on a shopping mall website operated by a payment processing company A to post sales products on a web page and wait for an order from a customer B. is there. The home delivery company D is connected to a shopping mall manager who is a payment processing company via a VPN, and is in charge of a business instructed by a collection and delivery department of goods received by the shopping mall. The Internet banking of E is also in a state where the server of the shopping mall manager is always connected by VPN, and is in charge of processing associated with the transfer of funds for the settlement price of products ordered by the customer. Payment processing companies, distributors, courier companies, and Internet banking companies collaborate while exchanging data on VPNs, collaborate in e-commerce, and cover and cover their own specialized fields of work. is there. In addition, when a customer browses on the Internet and processes an order, a process from ordering to settlement can be performed from a mobile phone or PDA in the same manner as a PC.

  Explaining the business flow from delivery of goods, payment, claim processing to transaction end after ordering the actual goods etc. in FIG. 1, customer B is from PC terminal etc. In (2), access the shopping mall of A via the Internet, open a page of necessary information, consider it, and place it in a shopping cart when the purchase is decided. Then, when the “view shopping cart” button on the Web page is clicked, the shopping mall GUI screen shown in FIG. 8 is sent from the mall server and displayed on the screen. In the shopping cart, a product name, a unit price, a quantity, an amount of money, a shipping fee, etc., which are detailed items of the product selected by the customer, are entered. In addition, the selection method of the payment method is the button of the net bank which is a free transfer system by the Internet banking recommended by this system, and the PC terminal etc. from the financial institution such as the postal savings and the city bank which also has the Internet banking. Can also be transferred on the same screen. In addition, customers who want credit cards and debit carts also have a method for selecting them. It is also possible to transfer money to a payment processing company's account from the counter of each financial institution. However, when these methods are selected, the transfer fee and usage fee are borne by the customer, and it is free only for the payment deposit transfer system using the Internet bank which is the payment processing system.

  In the shopping mall server, the Internet banking server system of E and the server system of the delivery company of D are connected by any one of the Internet line, public telephone line network, dedicated communication network, etc., and so-called VPN is configured at any time. Each server is allowed to exchange the permitted information, and its technical specifications are standardized in UDDI based on XML. Each server can exchange information smoothly and each timing. It is possible to perform Web services using SOAP. There is a request from a web browser from each terminal for a passbook screen, which is a list of transaction accounts that displays deposits and withdrawals and balances of funds such as customer accounts and shopping mall accounts in the storage area of the database on the Internet banking server If there is, it can be provided and displayed on the terminal screen of the Web browser that has sent and requested data after authentication. Money transfer processing in Internet banking in the present invention is only transfer between accounts within the same Internet banking, so-called transfer processing is not performed, and there is no transfer to other financial institutions, and Internet banking affiliated in the present invention is the same There is no fee for transferring money between accounts within a financial institution, and it has a partnership agreement with free internet banking. However, when using Internet banking for transactions other than when using payment processing in this system, funds can be transferred to other banks or transferred to one's own account as usual. In Fig. 1, there is only one Internet banking partner, but it is possible to partner with multiple Internet banking, and if multiple Internet banking is displayed, the customer can select either Internet banking arbitrarily. I can do it.

  In the present invention, the delivery company in charge of the logistic department, the Internet banking in charge of the account management of money, and the settlement processor managing the server of the shopping mall on the Internet share the specialized work respectively. If one collaboration is established and the final settlement is completed from the delivery of purchased goods, etc. from the order of electronic commerce, even if an accident occurs, damage can be minimized and reliable electronic commerce can be carried out Is. In addition, it is more effective for each business operator to work in collaboration rather than to carry out their own service business in the market. In other words, the delivery company can acquire the delivery business automatically in proportion to the increase in the sales performance of the mall by business tie-up, so stable management is possible. Internet banking can be expected to expand comprehensively because the number of customers in the mall will automatically increase the number of accounts automatically and increase the number of customers. In addition, the seller also automatically transfers the price to the account, so there is no collection cost and it can reduce expenses, so it can be sold at a lower price than other malls, so the sales volume increases, and the customers themselves are also from other similar sites Since the goods can be purchased at a low price, the parties concerned can obtain their reasonable effects. This is because the settlement system of the present invention is a system in which fees are reduced.

  Clicking the voice guidance button on the shopping cart screen in Fig. 8 will guide the settlement method and order in the voice and guidance dialog, so even the first person or elderly person unfamiliar with computer operations can easily settle the transaction. Can easily proceed.

  The member login button in Fig. 8 is a member who has already registered in the shopping mall as a member in the past, downloaded utility software to be used in this mall and installed it on the PC terminal, click the login button in the figure It is possible to perform auto login that is transmitted with encrypted SSI without entering a user ID and password. When you log in, the page diagram 12 of the member's CD number is displayed, and a list of recent transactions is displayed on the screen. .

  If the customer who has not yet registered as a member in the shopping mall on the shopping cart GUI screen in FIG. 8 clicks the button for opening a new account, the GUI screen in FIG. 10 is displayed. If you are a member, you can register immediately. The member registration is completed when utility software for managing various tools and the like is downloaded and installed on the terminal and the user ID and password are registered.

  Opening a new account for Internet banking is registered in the database of bad creditors, etc. by clicking the Internet Bank New Account Open button at various sites on the website and filling out the required items on the application form and sending it. If you do not have a checkmark with a bankruptcy declarator or any other person or corporation you need to watch out for, you will receive an email asking you to open an account immediately, so other financials you currently have in the newly opened account It can be used immediately by depositing a margin from the institution and accumulating the account balance.

  A customer who has become a member of the mall or a previous customer logs in on the shopping cart GUI screen of FIG. 8 and clicks on the net bank in the screen of FIG. 8, then the GUI of the AB net bank transfer table in FIG. A pop-up window appears in the upper left corner of the screen. This screen is automatically transferred from the shopping cart to prevent incorrect entry, such as transfer account name, account number, order number, transfer amount, product number, client, account number, etc. in this utility software. May be. Also in this figure, there is an Internet bank log-in button, and when clicking according to the voice guidance, the net bank also automatically logs in with the user ID and password automatically transmitted by the utility software, and enters the next authentication step. The authentication step of the Internet bank account holder uses two-factor authentication. If you pass the fingerprint authentication as the first factor for the small amount payment within the regulations, you can process the small amount of payment, but if the amount exceeds the prescribed amount, the second factor biometric authentication, which is another level of authentication, is performed. In order to prevent the occurrence of accidents and misuses, the identity is strictly checked. The screen of Fig. 17, which is a pop-up window that is the latest transaction balance statement of Internet banking, is displayed in (3) of Fig. 1, so you can see the details of the bankbook, but at this time, if the account balance is less than the total amount of the shopping cart Since there is no balance even though the transfer process is not possible, the transfer process may not be possible, but if it is urgent or difficult to self-procure, click the loan button on the shopping cart screen in FIG. Since the amount can be paid in advance, it is convenient because you can get a loan with one click if you use it. If the pop-up window displayed on the screen is small and difficult to see, you can enlarge it by clicking on the required screen or by clicking the enlarge button, and you can restore it to its original size by clicking again.

  Returning to FIG. 1 and explaining the progress of the settlement process, the customer, in (4), transfers the purchase price in the shopping cart from his / her own bank account to the account of the settlement agent who is the manager of the shopping mall in the same internet bank. When requesting the transfer process to the net bank, the net bank is transferred in real time according to the display 2 of the transfer table in FIG. Then, if the payment is confirmed by the patrol software in (5), the mall manager registers the confirmed data in the storage area of the order number in the database and if the necessary conditions are met, the server program determines that the conditions are met. To the next step.

  When transfer payment is confirmed in the shopping mall account in {circle over (5)}, an email indicating that the transfer payment has been completed is automatically generated for the customer, and sent to the customer's email address for notification. In FIG. 1, the manager of the shopping mall automatically generates and transmits a mail instructing the shipment describing the contents of the product etc. in the shopping cart in (7) to the seller in (7). Further, an e-mail in which the details of the collection and delivery are entered is also transmitted to the delivery company in (8).

  The seller and the home delivery company can know the contents of the business instruction by receiving the transmission of the mail as the shipping slip and the collection delivery instruction slip, but each seller can also access the Internet or the shopping mall server from each terminal. When logging in through a dedicated communication line and requesting information that can be disclosed to the company in the database, immediately after authentication, the delivery agent displays the collection / delivery instruction list in FIG. 11 on the terminal screen via the Web browser and confirms it. I can do it. For this, it is possible to browse the necessary conditions from the date and time, the order number to the seller name and the product name. If you want to know more details, click on the seller CD in FIG. User registration information data screen can be displayed and copied or printed out. Also, if the dealer logs in to the shopping mall server and requests their information, the order list shown in FIG. 14 is displayed, so that the information can be effectively used for business in addition to the mail. It will be a tool.

  When the goods collected by the delivery company from the dealer in (9) are delivered to the designated place on the designated date in (10), the delivery company logs in to the shopping mall server from their terminal and logs in the database. When the delivery completion information is entered in (11), the delivery start mail is automatically generated and sent to the customer in (12), and the server starts the timer from this point. This is the start of an effective reception time for complaints.

  If the customer who received the delivered package opens, confirms and accepts the package, the delivery will be completed successfully, but if it is a different product, or if there is damage, etc., shopping will be done immediately within the specified time. If the complaint content, order number, etc. are entered and sent to the complaint processing address on the mall website by e-mail, the fact is communicated to the seller and the settlement processor mediates problem solving. Until both sides are fully settled, the money transferred to the shopping mall manager's account will be temporarily reserved without settlement.

  If the claim process is resolved successfully between the customer and the sales company, the settlement process is performed for each account at (14) and (15), and one transaction is completed. The above is the outline of the main transaction processing flow of FIG.

  FIG. 7 shows a configuration in which each trader as an actor constituting the collaboration of FIG. 1 cooperates to operate the entire system and exchanges message information from the start to the end of the commercial transaction, and interlocks and safely ends the transaction. It is a sequence diagram. It shows the time course of the vertical axis. By following each number, the time course and flow of continuous processing is different from the collaboration diagram of FIG. It has become.

  FIG. 2 shows a form in which the payment processor performs only the payment processing agency between the seller and the customer without operating the shopping mall as shown in FIG. As shown in FIG. 2, the settlement agent is the same as that in FIG. 1 in the business process between the delivery company and the Internet bank. However, the website for listing the products to be sold is sold by the shop operator who is the distributor. It is managed and operated differently from a shopping mall operated by a payment agent as shown in FIG. In the case of FIG. 2, when a customer browses a Web page of a shop, which is a Web site operated by a seller, and places a product or the like to be purchased in a shopping cart to view the contents of the cart, a settlement processor server is displayed on the button. The hyperlink is embedded, and when clicked, the payment processing company's server is in charge from the point of jumping to the payment processing company's server in (2) and putting the purchased product into the shopping cart until the end of the transaction. Will do.

  The business flow is almost the same as in Fig. 1. When the order number is determined in (3), the purchase price in the shopping cart is transferred from the Internet banking customer's account to the settlement agent's account in (4) and the price is once purchased. Until the goods and the like are delivered and confirmed, they are entrusted to the account of the settlement processor and the settlement processing is reserved. When the payment processor confirms that the price has been transferred and transferred in (5), a transfer payment confirmation mail is automatically generated for the customer and transmitted to the customer in (6). A merchandise shipping e-mail is automatically generated and sent to the seller in (7). A delivery mail is sent to the delivery company after filling in the detailed information for specifying the product etc. in (8). Each delivery company can view the list data of the collection and delivery business currently issued by logging in directly to the settlement processor database and browsing the collection and delivery instruction list in FIG. Can be used in the same manner as in FIG. These registered data can be used as delivery material for the delivery person if the delivery company transcribes it on the employee's work slip or the like at the time of collection. Also, the merchant can access the payment processing company's server and browse the order list on the page that is the code number of the store in FIG. 14 from the relational database. Based on this information, it can be used for business management.

  When the product is delivered to the customer at (10) in FIG. 2, when delivery completion is input to the settlement processor server database at (11), a delivery completion mail is automatically generated for the customer and sent at (12). Then, the server program senses that the condition is met and starts the timer. If the complaint email does not arrive within the specified time, it is determined that the product receipt process has been cleared, and the money that has been deposited and reserved is taken in at ▲ 13 ▼, and each supplier is placed at ▲ 14 ▼, ▲ 15 ▼ One transaction is completed when it is transferred to the account of each vendor and paid.

  The settlement processing agent taking the form shown in FIG. 2 can be used not only in the shop but also in a wide range of fields. For example, it can be used for payment of all service charges from public charges such as electricity, gas charges and water charges and telephone charges. In the past, invoices were sent by mail and paid at a convenience store or bank at a post office, etc., the invoice was sent by e-mail, and a hyperlink of the address of the payment agent was pasted in the corner of the email Invoice recipients can simply complete each of the billed payments described above by clicking on the Piper link and proceeding as described in the main process of the previous scheme. . Then you can pay at home without going to a convenience store or financial institution, and you can send invoices by email for free and send many invoices throughout the year. It will be a big cost saving measure for public enterprises. By doing so, the paying user can go around and give back, so it becomes an extremely effective usage method.

  As another embodiment, the use of this method is effective for various admission tickets and boarding passes. For example, if this method is adopted even for an entrance ticket for baseball, a movie, a concert, etc. for an airplane boarding pass, a Shinkansen ticket, etc., the effect will be great, and its application range is diverse. A person using such various ticket sales services can easily make a payment by sending a reservation or purchase while viewing a Web page on the Internet and clicking a hyperlink of the payment method on the Web site on the spot. Conventionally, in such a ticket sales system, the admission ticket and boarding pass were received at the time of payment, but when purchasing via the Internet, it is possible to mail the admission ticket and boarding pass, but it is also compatible with the Internet. In order to clear this point, the seller will confirm the receipt of the price and send detailed information to identify the tickets purchased when sending the purchase confirmation of the entrance ticket and various tickets by e-mail Print out the two-dimensional barcode you entered, send it, put the data that can be specified there, print out the email, present it to the reception desk at the time of entry, and enter it into the computer with a scanner etc. to verify your identity By doing so, it is possible to support the Internet and also contribute to cost reduction effects. If the printout is not made, it is also possible to obtain an admission permission by reading a two-dimensional bar code or the like with a mobile phone and presenting a detailed code or the like purchased to the staff at the reception desk at the venue. .

A company or public institution that provides each service on the Web site sells or provides it to the customer, and when collecting the price, which is the service fee, constructs a collection system in-house or outsources the system When considering whether or not to adopt, it is a reasonable choice to use a method that is safe, secure and cheap. The payment system of the present invention is based on the premise that payments are made without incurring costs as much as possible, and the system usage fee is also set to a low fee. It is common sense that business performance increases and business performance improves.
From the above viewpoints, the attitude of pursuing the maximum effect with the minimum investment amount is the most rational means for the business operator who manages the system such as sales, and it is natural that it is an accurate judgment of the situation. Focusing on this point of view, this is a business model in which the payment means of this system is widely used in many Web sites.

  The outline of the embodiment of the present invention in FIG. 3 is such that the server of the shopping mall is managed by a delivery company and serves both as a delivery service and a payment processing agency. Deposit and withdrawal, which is the flow of payment, will be accounted for by the Internet banking affiliated with the money account management department, and the seller will post the product sold on the shopping mall website operated by the delivery company with permission (1) The customer browses the Web page and waits for the customer to place an order. The delivery company intervenes between the seller and the customer, and from the payment agent to the management and management of the shopping mall, and the delivery, the operation management of the reliable business transaction until the transaction is completed while grasping the overall flow of the sales product etc. To do. The business flow is that the customer accesses the shopping mall website managed by the delivery company in (2), searches for the desired product, etc., and when the purchase is decided, puts the product purchased in the shopping cart and clicks on settlement Then, the shopping cart GUI screen {circle over (3)} and the shopping cart screen shown in FIG. 8 are displayed so that the contents can be confirmed. As in the case of FIG. 1, the member logs in and clicks on the internet banking button to display the GUI screen of FIG. 9 which is the internet banking transfer table, logs in, and sends a request for transfer processing after authentication. Click (4) to transfer from the customer's account to the shopping mall account. When the shopping mall manager confirms the transfer to his / her account in (5), a transfer payment confirmation email is sent to the customer in (6). Next, send a shipping instruction e-mail to the seller in item 7 in the shopping cart, and issue a collection instruction in item 8 to the home delivery department in the company. If you deliver to the specified delivery destination on the specified date and enter the delivery completion data into your own server, the timer will start and if no claim occurs during the specified time, the price will be transferred to your account Is transferred to the seller's account and one transaction is completed.

  When a complaint occurs, the money transferred to the server manager's account 2 is retained in the server manager's account until the claim processing is resolved, and the settlement process is temporarily suspended, as in FIGS. Both parties are convinced and settled after the problem is solved.

  As in FIG. 3, FIG. 4 shows the delivery agent performing the payment agency, but the shopping mall is not operated. As in the case of FIG. 2, the seller places a product on the website operated by the seller and waits for customer access. The goods that the delivery company has paid for and purchased from a third party between the distributor and the customer are delivered to the customer safely and after a certain time has passed after confirmation, the customer makes the final settlement. The transaction is completed. Of course, when a claim is attached, the settlement is temporarily reserved until the problem is solved, and the settlement is made after the yen is settled in the problem solving process. In the case of protracting, etc., mediate the solution process in accordance with the provisions of the Transaction Agreement.

  The business flow of FIG. 4 is (1). When a button is clicked to search and browse the seller's website, put the purchased product into the shopping cart, and view the contents of the shopping cart, the server performs the settlement processing of the delivery company. Jump with 2 ▼. In (3), the order number, product number, product name, unit price, amount, delivery destination, delivery date and time, etc. are determined. After the account transfer process in (4), it is temporarily transferred to the account of the settlement processor. When the transfer payment is confirmed in (5), a confirmation email for the transfer payment is sent to the customer in (6). When the shipping instruction mail is transmitted to the seller in (7), the delivery company is picked up in (8) and delivered to the customer in (9). When delivery completion is entered in the database of the server, the timer starts, and if the complaint does not come from the customer after the lapse of the specified time, it is considered that the transaction has been completed. After handling the deposit, it is transferred to the account by the seller in (12) and settled. If a complaint occurs, the price will be reserved until resolution, and settlement will be made after the problem is solved.

  The collaboration diagram of the present invention in FIG. 5 is a diagram that takes a form in which Internet banking operates and manages a shopping mall and a payment agent. The partnership relationship with a delivery company and a distributor is the same as that in FIGS. 1 to 4 described above. Almost the same form. The business flow of the transaction is (1), listing products and various services sold by the seller in a shopping mall managed by Internet banking, waiting for access to the customer's website, and (2) the customer selecting to browse Later, it is placed in the shopping cart and the order number etc. is determined in (3). In step (4), transfer the money from the customer's account to the Internet banking payment processing account and wait for the goods to be delivered. Confirm that the payment has been transferred to the payment processing account on the Internet banking side. Later, confirmation email is sent in (5). Then, in (6), the collection delivery mail is sent to the delivery company, and in (7) the collection delivery instruction mail is sent to the distributor. In (8), after the delivery company collects the goods from the dealer, the delivery service is sent to the customer in (9). When delivery is completed and the delivery completion input is entered in the settlement processing database in (10), the transaction is completed in (11) after the specified time has elapsed after the delivery completion email is sent to the customer in (11). The delivery charge is transferred to the account, the purchase price is transferred to the account at (13) by the seller, and one transaction is completed. If a claim is generated, the temporary settlement price is reserved as in the above-described transaction forms, and the settlement is performed after the problem is solved.

  FIG. 6 shows a system in which Internet banking performs a payment processing agency in the same manner as FIG. 5 and completes a delivery business and a payment processing business in cooperation with a delivery company. As in FIGS. 2 and 4, the order processing items that are placed in the shopping cart with the hyperlink of the settlement processor embedded in the shop on the Internet managed and operated by the merchant are delivered by the settlement processor from the subsequent delivery arrangement. The management operation is performed from the confirmation of the processing operation until the final settlement until the final settlement. The business flow is (1), where a customer accesses a shop operated by the seller on the Internet and puts a product purchased after browsing into a shopping car. When you click the button when you look in the shopping cart, you jump to the Internet bank payment processing server and are managed on this server. When the order number is determined in {circle over (3)}, it is temporarily transferred to the account for settlement processing in {circle over (4)}. When the transfer is confirmed, a confirmation email is sent to the customer in (5). In (6), a collection delivery mail is transmitted to the delivery company. The shipping mail is transmitted to the seller in (7), the goods are collected in (8) to the delivery company, and delivered to the customer in (9). In (10), the delivery company inputs the completion of delivery into the database of the settlement server. When a delivery completion e-mail is sent to the customer in ▲ 11 ▼, the timer starts and if there is no specified time claim, the transaction is judged to be successful and the corresponding deposit deposited in the settlement account is ▲ 12 ▼, ▲ At 13 ▼, transfer is made to each account and one transaction is completed. If a complaint occurs, the payment is retained in the account for settlement until the problem is resolved, as in the previous system.

  FIG. 15 is a collaboration diagram of an embodiment of the present invention at an auction site, and the business flow is substantially the same as in FIGS. 1 to 6, but in this case the seller is replaced by an exhibitor. In this example, a case where an auction site managed by a payment agent is used is shown, but FIG. 16 shows a business flow when an auction is performed in the case of an original auction site where only payment is deposited by a payment processor. It is a collaboration diagram. Although not shown, in the case of an auction, there are cases in which the delivery company and the Internet bank manage and operate the settlement agent server as shown in FIGS. It holds. In this case as well, there are cases where the auction site is operated in the same manner as in FIGS. 1 to 6 when the original settlement company that performs the settlement agency for the auction site, the case where the delivery company also serves, and the case where the Internet bank also serves as the same. is assumed.

The invention's effect

  The present invention provides a payment processing server for completing from ordering to payment processing when performing electronic commerce using the Internet, and a delivery company in charge of Internet banking and logistics that can manage money accounts on the Internet. We have a business alliance, and each server has a system configuration that allows data exchange with the technical specifications standardized by XML-based SOAP via VPN, and customers and distributors access it to present products and various services In this system, various application software necessary to perform electronic commerce from order purchase to payment is completed, and the payment processing server can provide a Web service in response to the request of each client computer. Each transaction data is stored in the payment processing server database. Data is intended to be provided information as necessary is recorded. As a result, it is possible to eliminate the risks associated with conventional electronic commerce and to conduct reliable transactions with peace of mind and to reduce the costs that can be incurred on conventional distribution systems. Sometimes it can be carried out easily from anywhere with a quick and simple method. In this way, customers can purchase safe, smooth products, etc. that are cheaper, safer and smoother than real shops, from ordering to settlement and delivery by electronic commerce over the Internet, and can have more effective time. The above-mentioned Web technology for operation of the processing system is an example, and it aims to be able to construct a system with the latest combination of IT technology that is constantly evolving and achieve the latest operation method, while constantly introducing new technology It is an evolving one and always aims to provide the best service to customers. We will always focus on customer service first to achieve the development of the Internet and the reduction of various transaction costs in social life, while also aiming to build an excellent technology base on the Internet. In the conventional payment system, sales are incurred because multiple usage fees are inevitably generated in order to collect usage fees with one or more intermediaries between those who are obligated to pay and those who are the right holders. A low-cost distribution system is constructed with a system structure that prevents high costs. That is the first basic requirement of the present invention, which can achieve the next safe transaction, whether it is an invisible partner or an initial partner. The construction of a delivery system that enables practice will be made. The realization of these is the greatest object of the present invention, which is a system that can be achieved and achieved through the use. The purpose of this invention is to improve operability, simplicity and confidentiality, but what comes after this step is to complete the settlement process by one-clicking the settlement button. Yes, it is in the creation of a program that achieves this, and by creating utility software, downloading it to the customer's terminal and installing it, the program automatically starts each component when necessary and proceeds to the completion of payment processing It is for the purpose.

The collaboration figure of the collaborating company and customer which shows the transaction operation procedure on the shopping mall of a payment agency. The collaboration figure of the collaborating company and customer which shows the transaction operation procedure in a dealer's web site. The collaboration diagram of the collaborating company and customer which shows the transaction operation procedure on the shopping mall which a delivery company manages. Collaboration diagram between collaborating companies and customers when performing payment processing for delivery companies The collaboration figure of the collaborating company and customer which shows the transaction operation procedure on the shopping mall which an Internet bank manages. A diagram of collaboration between a collaborating company and a customer in the transaction operation procedure when the Internet bank conducts a payment agent business. The sequence diagram in the case of taking the transaction form in FIG. The shopping cart GUI screen. GUI screen of internet bank transfer request table. GUI screen for member registration when joining a payment agent. Pickup / delivery instruction list. Customer order list. Seller registration table. Order list by distributor. A collaboration diagram with a payment processor in an auction transaction. Collaboration diagram when performing a settlement service for an original auction site. Internet bank customer transaction balance statement screen.

Claims (1)

  Information on each step from ordering to payment is made by the delivery company and the Internet bank forming a VPN (virtual private network) on the Internet line or dedicated line to a company that sells or provides goods or services to the electronic commerce settlement server. A system that can be exchanged, and the customer accesses the Web server via the Internet line and temporarily stores the payment from the ordering process from the browsing of various information to the end of the transaction to the account of the payment processing agent. A system having means capable of performing a final settlement process after a lapse of a specified time after confirmation after arrival, etc. is provided. The server in the previous term will automatically return the order number to the browser when the customer orders a product, service, etc. viewed on a web page on the Internet. And automatically generate a payment confirmation e-mail after confirming the transfer payment and send it to the customer. When the account balance is insufficient, the loan for the payment amount is automatically financed by clicking the loan button. Sending a shipping instruction email to the seller or exhibitor, and a step of automatically generating and sending a collection delivery email to the delivery company. When the delivery is completed, the delivery order is stored in the server database. When delivery is completed, a delivery completion email is automatically generated and sent to the customer. If there is no claim within a certain period of time, it will be determined that the transaction has been completed and the temporarily stored price will be settled to the account of each affiliated company. When using the ticket sales service on the Internet, customer code order information will be displayed. Steps for input processing, and for certifying specific individual information, send information by e-mail with a barcode and print it on paper or input and save information on a portable terminal, or transfer it with a camera and present it at reception A server program system for conducting transactions by electronic commerce, auctions, or the like having means for steps such as use for confirmation of specific information purchased.

Images