JP2007304922A - Control method of information processor, information processor, and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To guarantee that a purchaser transfers the price to a seller of a commodity. <P>SOLUTION: In a control method of an information processor communicatably connected to a user terminal of an applicant for purchasing the commodity, a seller server of the seller of the commodity, and a financial institution server of a financial institution for transferring the price of the commodity from an applicant's account to a seller's account, the information processor receives session identification information of communication in transmitting information designating contents of transfer from the user terminal to the financial institution server, and identification information of the applicant from the user terminal and uses the session identification information to transmit an execution indication of the transfer to the financial institution server and receives an execution result of the transfer from the financial institution server and transmits the identification information of the applicant to the seller server together with the execution result of the transfer. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a method for controlling an information processing apparatus, an information processing apparatus, and a program for guaranteeing payment of a price by a purchaser of a product.

Advances in information technology have led to active trading of products using the Internet. On the other hand, the spread of online banking has made it possible to transfer money using the Internet.
Moreover, various techniques for smoothly executing settlement between merchandise sellers and purchasers have been developed (see, for example, Patent Document 1).
JP-A-2005-84880

  When paying for the product by transfer using the Internet, the purchaser of the product purchaser is made by performing predetermined communication between the user terminal of the product purchaser and the financial institution server of the financial institution. Payment is transferred from the account to the seller's account, but notification to the seller that the transfer has been completed is performed by communication between the user terminal and the seller server of the seller.

In this case, the seller trusts the notification transmitted from the user terminal of the product purchaser and ships the product to the product purchaser. Alternatively, the merchant can confirm the payment to the financial institution before shipping the product.
In the former case, the notification from the user terminal may be false. In the latter case, shipment of the product to the purchaser is delayed by the amount of confirmation processing for the transfer. In particular, when there are a large number of purchasers of merchandise, it takes a lot of time every day to confirm the transfer.

  The present invention has been made in view of the above problems, and mainly provides an information processing device control method, an information processing device, and a program for assuring the transfer of money by a purchaser to a merchandise seller. Objective.

  In order to solve the above problems, the present invention provides a user terminal possessed by a purchaser of a product, a seller server possessed by a seller of the product, and the account from the purchase applicant to the seller's account. A method of controlling an information processing apparatus communicably connected to a financial institution server possessed by a financial institution that transfers the price of goods, wherein the information processing apparatus is connected to the user terminal from the user terminal. The communication server receives the session identification information and the purchase applicant identification information when the information specifying the transfer details is transmitted to the institution server, and the information processing apparatus uses the session identification information to The transfer execution instruction is transmitted to the server, the information processing apparatus receives the transfer execution result from the financial institution server, and the information processing apparatus receives the seller service. To, together with the transfer of the execution result, a control method of an information processing apparatus and transmits the identification information of the purchase applicant.

  By such an aspect, it becomes possible to guarantee the transfer of the price by the purchaser to the merchandise seller. That is, the transfer execution result transmitted to the seller server is not transmitted from the individual user terminals, but instead of the individual user terminals, the transfer execution instruction is issued to the financial institution server, and the transfer from the financial institution server. Since the information is transmitted from the information processing apparatus that has received the transfer execution result, the seller can trust the transfer execution result. This information processing device functions as a third-party organization that securely and immediately transmits the result of debiting the money at the financial institution to the seller server. As a result, the seller can immediately provide the product to the purchaser without confirming with the financial institution that the payment has been made. In addition, the purchaser can receive the product more quickly. Further, the purchaser of the product does not need to worry about the deposit balance on the future payment deduction date as in the case of paying with a credit card.

Here, the user terminal may be a mobile phone.
When a product purchase application is made through a mobile phone, it may be difficult to specify the location of the purchaser, and the product seller needs to check the payment more carefully. Even in such a case, it is possible to guarantee the transfer of the price by the purchaser to the merchandise seller.

The product may be electronic money.
In recent years, electronic money has been stored (charged) in advance in an IC card or a mobile phone, and can be used like cash in various stores. Since electronic money is used in the same way as cash, it is required to be charged immediately. According to the invention of this application, an electronic money business operator (a seller of electronic money) can receive information from the information processing apparatus of this application without confirming with the financial institution whether or not the transfer by the purchaser of electronic money has been made. The electronic money issuing process can be started immediately after receiving the transfer execution result. In addition, in the method of charging electronic money by credit payment, it can be said that electronic money can be used in the same way as cash, but in the end, payment is only made based on the credit of the electronic money user. Further, in the method of charging electronic money by inserting cash into an electronic money issuing machine installed in a store, it is necessary to withdraw cash from a financial institution once. According to the present invention, it is not necessary to pay by credit, and it is not necessary to withdraw cash from a financial institution, and it is possible to realize the original convenience that an electronic money user should enjoy.

  Here, the information processing apparatus receives a gift number for receiving provision of the electronic money from the seller server, and the information processing apparatus transmits the gift number to the user terminal. You can also.

  When purchasing electronic money, the purchaser of electronic money must charge the electronic money by directly communicating with the server of the electronic money issuer. Information needs to be sent to the electronic money issuer's server. The gift number is stored in the electronic money issuer's server in association with the amount of electronic money to be issued, and when the electronic money issuer's server receives the gift number, the electronic number associated with the gift number is stored. The amount of money is transmitted to the user terminal that has transmitted the gift number. According to the present invention, when the user terminal directly transmits the gift number transmitted to the user terminal to the seller server, the user terminal can be charged with electronic money. .

  In addition, the problems disclosed in the present application and the solutions thereof will be clarified by the column of the best mode for carrying out the invention and the drawings.

  It becomes possible to guarantee the transfer of the price by the purchaser to the seller of the product.

=== Example of Overall Configuration ===
The information processing apparatus described in the claims can be configured as an electronic money charge management server 200, for example, as shown in FIG. The electronic money charge management server 200 is communicably connected to the user terminal 100, the electronic money issuing server 300, and the bank server 400 via the network 500, and constitutes an information processing system 1000. The electronic money issuing server 300 corresponds to the seller server described in the claims. The bank server 400 corresponds to the financial institution server described in the claims.

  The electronic money charge management server 200 is a computer that guarantees to an electronic money issuer that a user has been charged for electronic money when the user purchases (charges) electronic money.

  The user terminal 100 is a computer operated by a user who purchases (charges) electronic money. The user terminal 100 can be, for example, a personal computer or a mobile phone that the user has. Further, in the case where electronic money can be charged using an ATM automatic teller machine installed in a bank, a convenience store or the like, the ATM automatic teller machine can be used as the user terminal 100. When the mobile phone is the user terminal 100, the user terminal 100 includes a non-contact IC chip for storing charged electronic money. When the personal computer is the user terminal 100, the user terminal 100 includes an electronic money writing device for writing charged electronic money on a user-owned IC card in which a non-contact IC chip is incorporated. Further, when the ATM automatic teller machine is the user terminal 100, the user terminal 100 may be a user-owned IC card in which a non-contact IC chip is incorporated or a non-contact IC chip included in the user's mobile phone. An electronic money writing device for writing charged electronic money is provided.

  The bank server 400 is a computer included in a financial institution that transfers electronic money from an account of a user who purchases electronic money to an account of an electronic money issuer.

  The electronic money issuer server 300 is a computer that an electronic money issuer issues electronic money to a user who has applied for purchase of electronic money.

=== Configuration of Electronic Money Charge Management Server, User Terminal, Electronic Money Issuing Server, and Bank Server ===
Next, each structure of the electronic money charge management server 200, the user terminal 100, the electronic money issue server 300, and the bank server 400 will be described. The electronic money charge management server 200, the user terminal 100, the electronic money issuing server 300, and the bank server 400 are all computers, and the hardware configuration is basically the same. Therefore, these hardware configurations are summarized in one block diagram and shown in FIG. Further, FIG. 3 to FIG. 11 show programs and tables for realizing each of these functions.

<Configuration of electronic money charge management server>
The electronic money charge management server 200 includes a CPU (Central Processing Unit) 210, a memory 220, a port 230, a recording medium reading device 240, an input device 250, an output device 260, and a storage device 280.

  The CPU 210 is responsible for overall control of the electronic money charge management server 200, and reads the electronic money charge management server control program 710 (corresponding to the program described in the claims) stored in the storage device 280 to the memory 220. By executing the function, the function as the electronic money charge management server 200 is realized. For example, the electronic money charge management server control program 710 is executed by the CPU 210 and cooperates with hardware devices such as the memory 220, the port 230, the input device 250, the output device 260, and the storage device 280. The identification information receiving unit, the execution instruction transmitting unit, the execution result receiving unit, and the execution result transmitting unit are realized.

The recording medium reading device 240 is a device for reading and writing programs and data recorded on the recording medium 800. The read program and data are stored in the memory 220 and the storage device 280.
As the recording medium 800, a flexible disk, a magnetic tape, a compact disk, a semiconductor memory, a non-contact wireless IC chip, or the like can be used.

  The input device 250 is a device used for inputting data to the electronic money charge management server 200 by an operator or the like, and functions as a user interface. For example, a keyboard or a mouse can be used as the input device 250. The output device 260 is a device for outputting information to the outside and functions as a user interface. For example, a display or a printer can be used as the output device 260.

  The port 230 is a device for performing communication. For example, communication with other computers performed via the network 500 is performed via the port 230.

  The storage device 280 is, for example, a hard disk drive. As shown in FIG. 4, the storage device 280 stores an electronic money charge management server control program 710, a transaction table 610, and an error information table 620. A transaction table 610 is shown in FIG. An error information table 620 is shown in FIG. Details will be described later.

<Configuration of user terminal>
The user terminal 100 includes a CPU 110, a memory 120, a port 130, a recording medium reading device 140, an input device 150, an output device 160, and a storage device 180. The functions of these devices are the same as those of the devices included in the electronic money charge management server 200 described above.

  When the user terminal 100 is a mobile phone, the user terminal 100 includes a non-contact IC chip 170. The non-contact type IC chip 170 is an IC chip used for a user to use electronic money, stores the balance of electronic money, and performs wireless communication with an electronic money handling terminal installed in a store or the like. The balance of the electronic money to be stored is increased or decreased according to the consumption or charge of the electronic money. The non-contact IC chip 170 stores an electronic money number used as user identification information. Details will be described later.

  Further, when the user terminal 100 is a personal computer or an ATM cash dispenser, the user terminal 100 is a non-built-in IC card or mobile phone owned by the user according to the consumption or charge of electronic money by the user. Communication with the contact IC chip is performed via the recording medium reading device 140 to increase or decrease the balance of electronic money.

  A user terminal control program 700 is stored in the storage device 180 of the user terminal 100. This is shown in FIG. By executing the user terminal control program 700 by the CPU 110, various functions as the user terminal 100 are realized.

<Configuration of electronic money issuing server>
The electronic money issuing server 300 includes a CPU 310, a memory 320, a port 330, a recording medium reading device 340, an input device 350, an output device 360, and a storage device 380. The functions of these devices are the same as those of the devices included in the electronic money charge management server 200 described above.

  An electronic money issuing server control program 720 is stored in the storage device 380 of the electronic money issuing server 300. This is shown in FIG. By executing the electronic money issuing server control program 720 by the CPU 310, various functions as the electronic money issuing server 300 are realized. The storage device 380 stores an electronic money management table 630. An electronic money management table 630 is shown in FIG. Details will be described later.

<Configuration of bank server>
The bank server 400 includes a CPU 410, a memory 420, a port 430, a recording medium reading device 440, an input device 450, an output device 460, and a storage device 480. The functions of these devices are the same as those of the devices included in the electronic money charge management server 200 described above.

  A bank server control program 730 is stored in the storage device 480 of the bank server 400. This is shown in FIG. By executing the bank server control program 730 by the CPU 410, various functions as the bank server 400 are realized. The storage device 480 stores a user management table 640 and an account management table 650. A user management table 640 is shown in FIG. An account management table 650 is shown in FIG. Details will be described later.

=== Flow of processing ===
Next, the flow of processing when the user of the user terminal 100 purchases electronic money by transferring money to the bank account of the electronic money issuer and charges the electronic money to the user terminal 100 is shown in FIGS. This will be described with reference to the flowchart shown in FIG.

  First, the user terminal 100 receives an input of the purchase amount (charge amount) of electronic money (S1000). Then, the user terminal 100 transmits the charge amount and the electronic money number to the electronic money charge management server 200 (S1010). Here, the electronic money number is identification information stored in a contactless IC chip for using electronic money. The electronic money number is registered and managed by the electronic money issuer, and the electronic money issuer can identify the user by the electronic money number.

  When receiving the charge amount and the electronic money number, the electronic money charge management server 200 performs an electronic money charge start request acceptance process (S1020). The details of the electronic money charge start request acceptance process are shown in FIG.

  As shown in FIG. 14, the electronic money charge management server 200 first checks a message when a charge amount and an electronic money number are transmitted from the user terminal 100 (S2000, S2010). The message check includes a check of whether or not the message conforms to a predetermined format, and a check of setting contents such as a fixed character string, a character type, the number of digits, and an effective range constituting the message. When an error is detected in the electronic message check, the electronic money charge management server 200 records the error content in the error information table 620 (S2050) and notifies the user terminal 100 of the error. As shown in FIG. 8, the error information table 620 records an error code indicating the content of the error in association with the electronic money number.

  Subsequently, the electronic money charge management server 200 checks the service time (S2020, S2030). The service time check includes, for example, a check of whether or not the bank server 400 and the electronic money issuing server 300 are not operating for maintenance work. The service time can be acquired by referring to a table (not shown) stored in the storage device 280 of the electronic money charge management server 200. If it is outside the service time, the electronic money charge management server 200 records the error content in the error information table 620 (S2050), and notifies the user terminal 100 accordingly.

  Subsequently, the electronic money charge management server 200 generates EDI (Electronic Data Interchange) information (S2040). The EDI information can be a value expressed in, for example, a 33-digit number according to a prescribed format based on the system date and serial number. For example, the serial number is cyclically used from 1 to 1000000 in bank code units, and the database object SEQUENCE is used. The serial number may not be treated as an error even if an omission occurs. Further, even when an electronic money charge start request is already received from the user terminal 100 and a transaction for which charge processing has not been completed remains, EDI information is generated as another transaction.

  Next, the electronic money charge management server 200 records various information such as the EDI information in the transaction table 610 (S2050). As shown in FIG. 7, the transaction table 610 records “acceptance date / time”, “bank code”, “electronic money number”, “EDI information”, and “charge amount”.

  In the “acceptance date and time” column, the date and time when the electronic money charge management server 200 receives the charge amount and the electronic money number from the user terminal 100 is recorded. In the “bank code” column, the identification number of the bank to which the electronic money purchase price is transferred is recorded. In the “electronic money number” column, an electronic money number transmitted from the user terminal 100 is recorded. In the “EDI information” column, the generated EDI number is recorded. In the “charge amount” column, the charge amount transmitted from the user terminal 100 is recorded.

  The electronic money charge management server 200 identifies each transaction by combining the electronic money number and the EDI information. When an entry having the same electronic money number and EDI information is recorded in the transaction table 610, the electronic money charge management server 200 determines that an error has occurred in order to prevent double processing, That fact may be recorded in the error information table 620.

  After executing the electronic money charge start request acceptance process, the electronic money charge management server 200 transmits the charge amount, EDI number, and bank server identification information to the user terminal 100 (S1030 in FIG. 12). The identification information of the bank server is used for the user terminal 100 to communicate with the bank server 400, and may be the URL of the bank server 400. The bank that transfers the money for electronic money can be a bank selected or designated in advance by the user, can be a bank designated by the administrator of the electronic money charge management server 200, It can also be a bank designated by the issuer.

  Next, the user terminal 100 transmits a login request to the bank server 400 (S1040). The login request includes a user ID and password for logging in to the bank server 400.

  The bank server 400 refers to the user management table 640 shown in FIG. 10 and determines whether or not login is possible by checking the user ID and password transmitted from the user terminal 100. When permitting login, the bank server 400 notifies the user terminal 100 to that effect (S1050). The password may be various biological information such as information indicating a palm vein pattern, or a one-time password.

When the login is permitted, the user terminal 100 accepts an input of transfer details (S1060). The transfer contents include, for example, information for specifying an account from which the price is deducted and information for specifying a transfer requester. Information for designating a bank account for transfer and information for designating a transfer date may be included.
Then, the user terminal 100 transmits the transfer details to the bank server 400 (S1070).
Next, the bank server 400 transmits screen data indicating the transfer contents to the user terminal 100 in order to make the user confirm the transfer contents (S1080).

  When the user viewing the screen data inputs an instruction to instruct the transfer execution, the user terminal 100 instructs the electronic money charge management server 200 to execute the transfer execution, the session ID, the EDI information, and the electronic money number. Is transmitted (S1090). Here, the session ID transmitted to the electronic money charge management server 200 is a session ID of communication (S1040 to S1080) performed by the user terminal 100 with the bank server 400. The screen data transmitted from the bank server 300 to the user terminal 100 in S1080 includes information indicating the transfer execution instruction and the transmission destination of the session ID. Therefore, when the user terminal 100 receives an input for instructing execution of transfer from the user, the user terminal 100 can transmit the transfer execution instruction and the session ID to the electronic money charge management server 200. The session ID, the transfer execution instruction, the EDI information, and the electronic money number may not be transmitted from the user terminal 100 to the electronic money charge management server 200. The user terminal 100 performs communication with the bank server 400. Any form may be used as long as the electronic money charge management server 200 can know the session ID of the communication. For example, the user terminal 100 performs communication between the user terminal 100 and the electronic money charge management server 200 using the session ID of communication performed with the bank server 400, and the user terminal 100 performs electronic money charge management. The server 200 may be configured to transmit a transfer execution instruction, EDI information, and an electronic money number.

  Then, the electronic money charge management server 200 executes a transfer execution instruction request acceptance process (S1100). The details of the transfer execution instruction request acceptance process are shown in FIG.

  As shown in FIG. 15, the electronic money charge management server 200 first checks a message when a transfer execution instruction, a session ID, EDI information, and an electronic money number are transmitted from the user terminal 100 (S3000, S3010). . The message check includes a check of whether or not the message conforms to a predetermined format, and a check of setting contents such as a fixed character string, a character type, the number of digits, and an effective range constituting the message. When an error is detected in the electronic message check, the electronic money charge management server 200 records the error content in the error information table 620 (S3100) and notifies the user terminal 100 of the error.

  The electronic money charge management server 200 also checks the service time (S3000, S3010). If it is outside the service time, the electronic money charge management server 200 records the error content in the error information table 620 (S3100), and notifies the user terminal 100 accordingly.

  The electronic money charge management server 200 also checks whether an entry having the same electronic money number and EDI information is recorded in the transaction table 610 (S3000, S3010). When an entry having the same electronic money number and EDI information is recorded in the transaction table 610, it is recorded in the error information table 620 as an “in-process” error in order to prevent double processing (S3100). .

  After executing the transfer execution instruction request acceptance process, the electronic money charge management server 200 communicates with the bank server 400 using the session ID transmitted from the user terminal 100 and transmits a transfer execution instruction (S3020, FIG. 12). S1110).

  The bank server 400 executes a transfer process according to the transfer execution instruction (S1120). The bank server 400 executes the transfer process by updating the balance column of each designated account stored in the account management table 650 shown in FIG. At that time, the bank server 400 uses the session ID when the transfer execution instruction is transmitted from the electronic money charge management server 200 as the session ID used for communication when the transfer content is transmitted from the user terminal 100. Since they are the same, the electronic money charge management server 200 is regarded as the user terminal 100, and the transfer process is executed according to the transfer contents transmitted from the user terminal 100. Then, the bank server 400 transmits the transfer execution result to the electronic money charge management server 200 (S1130, S3030). The transfer execution result includes a notification that the transfer has been completed. If the transfer is handled the next business day, information to that effect is included.

  When receiving the transfer execution result, the electronic money charge management server 200 executes a transfer execution result receiving process (S1140). The details of the transfer execution result acceptance process are shown in FIG.

  As shown in FIG. 15, first, the electronic money charge management server 200 confirms the transfer date (S3040). When the electronic money charge management server 200 receives a response indicating that the transfer date is “handle next business day”, the electronic money charge management server 200 transmits a next business day treatment confirmation request to the bank server 400 (S3050). As a result, the bank server 400 executes a specified amount withdrawal from the user's account in order to transfer it to the designated account on the next business day. Then, the electronic money charge management server 200 receives a return message from the bank server 400 (S3060). Regardless of whether the transfer is handled on the current day or the next business day, the electronic money charge management server 200 is at this point because the specified amount has been deducted from the user's account. It is possible to guarantee that the transfer from the user's account to the electronic money issuer's account is surely performed.

Then, the electronic money charge management server 200 transmits an electronic money issue request to the electronic money issue server 300 (S1150, S3070). The electronic money issue request includes an electronic money number, a charge amount, and a transfer execution result.
When the electronic money issue server 300 receives the electronic money issue request from the electronic money charge management server 200, the electronic money issue server 300 executes an electronic money issue request reception process (S1160).

  In the electronic money issue request reception process, the electronic money issue server 300 confirms that the transfer has been performed based on the transfer execution result included in the electronic money issue request, and generates a gift number. The generated gift number is stored in the electronic money management table 630 (FIG. 9) together with the charge amount and the electronic money number. In the “status” column of the electronic money management table 630, “unissued” indicating a state where the electronic money has not yet been delivered to the user is described.

Then, the electronic money issuing server 300 transmits the generated gift number to the electronic money charge management server 200 (S1170).
Then, the electronic money charge management server 200 transmits the gift number to the user terminal 100 (S1180).

When the user terminal 100 receives the gift number, the user terminal 100 transmits the gift number to the electronic money issuing server 300 (S1190), and issues an electronic money issue request.
The electronic money issuing server 300 updates the “status” field associated with the gift number in the electronic money management table 630 from “not issued” to “issued” (S1200), Money is transmitted to the user terminal 100 (S1210).
Then, the user terminal 100 updates the balance of electronic money stored in the non-contact IC chip (S1220). This completes the charging of electronic money.

  As mentioned above, although this Embodiment was demonstrated, according to this Embodiment, it becomes possible to guarantee the transfer of the price by the electronic money purchaser with respect to the issuer of electronic money. Thus, the electronic money issuer can immediately provide the electronic money to the purchaser without confirming with the financial institution that the payment has been made. Further, the purchaser can receive electronic money more quickly.

  The above embodiment is for facilitating understanding of the present invention, and is not intended to limit the present invention. The present invention can be changed and improved without departing from the gist thereof, and the present invention includes equivalents thereof.

  For example, the present invention is not limited to purchasing electronic money, but can be widely applied when purchasing a product or applying for a service via the Internet and paying the price by transfer.

It is a figure showing the whole information processing system composition concerning this embodiment. It is a figure which shows each structure of the user terminal which concerns on this Embodiment, an electronic money charge management server, an electronic money issue server, and a bank server. It is a figure which shows the memory | storage device of the user terminal which concerns on this Embodiment. It is a figure which shows the memory | storage device of the electronic money charge management server which concerns on this Embodiment. It is a figure which shows the memory | storage device of the electronic money issuing server which concerns on this Embodiment. It is a figure which shows the memory | storage device of the bank server which concerns on this Embodiment. It is a figure which shows the transaction table which concerns on this Embodiment. It is a figure which shows the error information table which concerns on this Embodiment. It is a figure which shows the electronic money management table which concerns on this Embodiment. It is a figure which shows the user management table which concerns on this Embodiment. It is a figure which shows the account management table which concerns on this Embodiment. It is a flowchart which shows the flow of the electronic money charge process which concerns on this Embodiment. It is a flowchart which shows the flow of the electronic money charge process which concerns on this Embodiment. It is a flowchart which shows the flow of the electronic money charge start request | requirement reception process which concerns on this Embodiment. It is a flowchart which shows the flow of the electronic money charge withdrawal request process which concerns on this Embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 100 User terminal 170 Contactless IC chip 200 Electronic money charge management server 300 Electronic money issue server 400 Bank server 500 Network 610 Transaction table 620 Error information table 630 Electronic money management table 640 User management table 650 Account management table 700 User terminal control program 710 Electronic money charge management server control program 720 Electronic money issue server control program 730 Bank server control program 800 Recording medium 1000 Information processing system

Claims (6)

A financial institution possessed by a user terminal possessed by a product purchase applicant, a seller server possessed by the seller of the product, and a financial institution that transfers the price of the product from the purchase applicant's account to the seller's account A control method for an information processing apparatus that is communicably connected to an engine server,
The information processing apparatus receives, from the user terminal, session identification information of communication when the user terminal transmits information specifying the details of the transfer to the financial institution server and identification information of the purchase applicant,
The information processing apparatus transmits an instruction to execute the transfer to the financial institution server using the session identification information,
The information processing apparatus receives the execution result of the transfer from the financial institution server,
The information processing apparatus transmits the purchase applicant identification information together with the transfer execution result to the seller server. A control method for an information processing apparatus according to claim 1,
The method of controlling an information processing apparatus, wherein the user terminal is a mobile phone. A control method for an information processing apparatus according to claim 1,
The method for controlling an information processing apparatus, wherein the product is electronic money. A control method for an information processing apparatus according to claim 3,
The information processing apparatus receives a gift number for receiving provision of the electronic money from the seller server,
The information processing apparatus transmits the gift number to the user terminal. A financial institution possessed by a user terminal possessed by a product purchase applicant, a seller server possessed by the seller of the product, and a financial institution that transfers the price of the product from the purchase applicant's account to the seller's account Is connected to the institution server so as to be able to communicate,
An identification information receiving unit that receives from the user terminal the session identification information of communication and the purchase applicant's identification information when the user terminal transmits information specifying the details of the transfer to the financial institution server;
Using the session identification information, an execution instruction transmission unit that transmits the transfer execution instruction to the financial institution server,
An execution result receiving unit that receives the execution result of the transfer from the financial institution server;
An execution result transmitter for transmitting the purchase applicant identification information together with the transfer execution result to the seller server;
An information processing apparatus comprising: A financial institution possessed by a user terminal possessed by a product purchase applicant, a seller server possessed by the seller of the product, and a financial institution that transfers the price of the product from the purchase applicant's account to the seller's account To the information processing apparatus that is communicably connected to the engine server,
A procedure for receiving, from the user terminal, session identification information of communication and identification information of the purchase applicant when the user terminal transmits information specifying the details of the transfer to the financial institution server;
Using the session identification information, a procedure for transmitting the transfer execution instruction to the financial institution server;
Receiving the transfer execution result from the financial institution server;
A procedure for transmitting the purchase applicant identification information together with the execution result of the transfer to the seller server;
A program for running

Images