JP2008129635A - Settlement method and proxy settlement server - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a settlement method and a proxy settlement server for requiring no complicated procedure of inputting information necessary for settlement in electronic commercial transaction. <P>SOLUTION: A user PC 31 accesss an EC site server 20, and when merchandise is specified, the EC site server 20 transmits order information to a proxy settlement server 10, and a settlement ID generation part 11 generates settlement ID, and registers it in an order information storage part 15, and a two-dimensional code generation part 12 converts the settlement ID into a two-dimensional code, and transmits it through an EC site server to the user PC 31. When a portable terminal 32 photographs the two-dimensional code, the portable terminal 32 transmits the settlement ID and the user ID to the settlement management part 13, and the settlement management part 13 extracts settlement type information, and transmits it to a settlement system 40 by referring to a settlement type information storage part 17. The settlement system 40 performs settlement, and transmits the information showing permission of settlement through the proxy settlement server to the EC site server 20 and the portable terminal 32. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a technique for simply performing a payment procedure when performing electronic commerce on the Internet.

2. Description of the Related Art In recent years, with the spread of the Internet, electronic commerce in which orders for goods and payments are made using a computer network has become popular. In addition, a system for supporting settlement operations has been developed. For example, Patent Document 1 describes a system that supports a payment operation by a mobile phone company becoming a payment agent. Patent Document 2 describes a settlement system that enables cash settlement.
JP 2002-298041 A JP 2001-5883 A

  However, in the above-described conventional electronic commerce, the user must input information necessary for settlement such as a credit card number when making a credit settlement after determining a product to be ordered. There is annoyance. Even in the invention described in Patent Document 1, there is annoyance that a mobile phone number must be input. In addition, in the case of the invention described in Patent Document 1, only the telecommunications carrier that can grasp the relationship between the telephone number of the cellular phone and the cellular phone communication network and can reduce the mobile usage fee can be performed. There's a problem.

  Therefore, according to the present invention, it is possible to omit complicated procedures such as inputting information necessary for payment when performing electronic commerce, and payment that can be performed even by other than a telecommunications carrier. It is an object to provide a method and a settlement proxy server.

  In order to solve the above-described problems, the present invention is a method for performing payment when electronic commerce is performed using a computer network, and an instruction for specifying a product from a user PC is sent to an EC site server that realizes an EC site. A transmitting step, the EC site server generating order information based on an instruction from the user PC, and transmitting the order information to a settlement agent server; and the settlement agent specifying the received order information. A step of generating an ID, a step of registering the generated payment ID together with the order information, a step of generating a two-dimensional code expressing the payment ID and transmitting it to the EC site server, and the EC site server, Transmitting the two-dimensional code received from the payment agent server to the user PC; and receiving the user PC from the EC site server. A step of displaying a two-dimensional code on a screen; a step in which a user's portable terminal obtains the displayed two-dimensional code by photographing; and a step of decoding a settlement ID recorded in the two-dimensional code; Extracting the user ID registered in the terminal, and transmitting it together with the settlement ID to the settlement agency server specified by the URL registered in the mobile terminal; and confirming the settlement ID received by the settlement agency server A step of extracting payment type information corresponding to the received user ID and transmitting it to the payment system; a step in which the payment system performs payment using the received payment type information; A step of transmitting information to the payment agent server, and the payment agent server sends a notification indicating whether payment is possible based on the received information indicating whether payment is possible. To provide a settlement method comprising the steps to be performed on end.

  According to the present invention, a server is a proxy for payment when a user performs electronic commerce using a computer network, and a user information storage means storing user information and a user pays. Based on the order information received from the EC site, the payment ID generating means for generating the payment ID for identifying the order information, and the payment ID. Two-dimensional code generation means for generating a two-dimensional code for transmission to the EC site, order information storage means for storing the generated payment ID and the received order information in association with each other, and the payment ID received from the portable terminal And a payment management means for extracting payment type information from the payment type storage means and order information storage means based on the user ID, and the extracted The settlement type information transmitted to the settlement system, and the settlement system transmission / reception means for receiving the settlement availability information from the settlement system, and the notification about the settlement availability based on the received settlement availability information, the EC site and There is provided a settlement proxy server having a settlement propriety transmission means for transmitting to the portable terminal.

  According to the present invention, when a user designates a product or the like to be purchased, while transmitting the information of the identified product and the two-dimensional code representing the settlement ID based on the user information registered in advance, Since the payment type information is extracted based on the payment ID and the user ID received from the mobile terminal and the payment system is requested to make a payment, the user can specify the order item and then use the two-dimensional code on the mobile terminal. It is only necessary to shoot the image, and there is no need to input complicated information.

DESCRIPTION OF EMBODIMENTS Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the drawings.
(1. System configuration)
FIG. 1 shows a configuration diagram of a payment proxy server according to the present invention. As shown in FIG. 1, the payment proxy server 10 implements a payment proxy process in cooperation with the EC site server 20, the user PC 31, the mobile terminal 32, and the payment system 40.

  The payment proxy server 10 includes a payment ID generation unit 11, a two-dimensional code generation unit 12, a payment management unit 13, and a storage device 14. The storage device 14 includes an order information storage unit 15, a user information storage unit 16, a settlement type information storage unit 17, a store information storage unit 18, and an access information storage unit 19.

  The settlement ID generation unit 11 has a function of generating a settlement ID for identifying the order information (a combination of store ID, amount, and order number) received from the EC site server 20. The two-dimensional code generation unit 12 has a function of converting the payment ID generated by the payment ID generation unit 11 into a two-dimensional code. As described above, since a technique for converting predetermined information into a two-dimensional code is known, the two-dimensional code generation unit 12 can be realized by using a two-dimensional code generation module which is a known software.

  The payment management unit 13 refers to the order information storage unit 15 using the payment ID received from the mobile terminal 32, confirms whether an order is made with the payment ID, and determines the user ID received from the mobile terminal 32. The payment type information is extracted from the payment type information storage unit 17 and transmitted to the payment system 40. The EC site server 20 and the portable terminal 32 indicate whether payment is possible based on the payment availability information received from the payment system 40. Each has a function of notifying.

  The order information storage unit 15 stores the store ID, the amount, the order number received from the EC site server 20 and the payment ID generated by the payment ID generation unit 11 in association with each other. The user information storage unit 16 stores the user ID and name of the user. The settlement type information storage unit 17 stores the user ID of the user, the credit card number, and the expiration date of the credit card. The store information storage unit 18 stores the store ID and store name of the EC site. The access information storage unit 19 stores the settlement ID and user ID received from the mobile terminal 32. The order information storage unit 15, user information storage unit 16, payment type information storage unit 17, store information storage unit 18, and access information storage unit 19 are all realized by a large-capacity storage device such as a hard disk or an optical disk. This is realized by securing a predetermined storage area in the device 14.

  The settlement proxy server 10 is realized by mounting a dedicated program on one or more computers having functions as a Web server and a database server. Therefore, although not shown in FIG. 1, a data transmission / reception unit via a computer network such as the Internet is provided, and communication with the EC site server 20 and the portable terminal 32 is possible.

  The EC site server 20 is a server computer that provides a Web site for electronic commerce (EC), and is realized by a Web server, a database server, or the like. Communication between the EC site server 20 and the payment proxy server 10 and between the EC site server 20 and the user PC 31 are both possible via the Internet. The EC site server 20 according to the present invention has substantially the same function as a known EC site server, but a function of transmitting order information to the payment proxy server 10 when a product is specified by the user PC 31, a payment proxy server It is characterized in that it has a function of receiving a two-dimensional code from 10 and transmitting the two-dimensional code to the requesting user PC 31.

  The user PC 31 is a computer having an Internet connection function, and is realized by mounting a Web browser on a general-purpose personal computer. The portable terminal 32 images the two-dimensional code displayed on the screen of the user PC 31, and the user ID registered in advance is registered in advance together with the settlement ID recorded in the two-dimensional code. It has a function of transmitting to a URL, and is realized by downloading a dedicated program to a commercially available mobile phone having a two-dimensional code reading function and an Internet connection function.

  The payment system 40 is a computer system that executes payment processing under the control of a credit card company. The payment system 40 has credit card member information and is connected to the payment proxy server 10 via a dedicated line. The payment system 40 has a function of receiving payment type information from the payment proxy server 10, executing payment processing when payment is possible, and transmitting information about whether payment has been executed to the payment proxy server 10. is doing.

  Here, the record items of the order information storage unit 15, the user information storage unit 16, the settlement type information storage unit 17, the store information storage unit 18, and the access information storage unit 19 in the storage device 14 will be described. As shown in FIG. 2A, the order information storage unit 15 stores five items of settlement ID, store ID, order number, amount, and transaction state. The store ID, the order number, and the amount of money record the information transmitted from the EC site server 20 as it is, and the payment ID generated by the payment ID generation unit 11 is recorded. As shown in FIG. 2B, the user information storage unit 16 stores two items of user ID and name. As shown in FIG. 2C, the payment type information storage unit 17 stores three items of user ID, card number, and card expiration date. As shown in FIG. 2D, the store information storage unit 18 stores two items of store ID and store name. The store ID is an ID for specifying the EC site server 20. As shown in FIG. 2E, the access information storage unit 19 records two items, a payment ID and a user ID. The payment ID and the user ID record the information transmitted from the portable terminal 32 as it is.

(2. Processing operation)
Next, the settlement method according to the present invention will be described with reference to the flowchart of FIG. 3 together with the processing operation of the server shown in FIG. Here, a case where a product that does not require delivery of an article such as an insurance product or a travel product is purchased will be described. When a user who is a general consumer uses this server, it is necessary to perform user registration in advance and register user information in the user information storage unit 16. Specifically, the name, the card number of the credit card used for the payment and the expiration date are communicated to the payment agent operating the payment agent server. Then, the payment agent issues a user ID to the user and registers it in the user information storage unit 16 in association with the name as shown in FIG. ), The user ID, the card number, and the card expiration date are associated with each other and registered in the settlement type information storage unit 17. Then, the user registers the user ID issued by the settlement agent in a predetermined storage area of the mobile terminal 32. The user registration with the payment agent and the registration of the user ID with the portable terminal 32 are performed through a program downloaded by the user, and this program carries the user ID issued by the payment agent. It may be registered in a predetermined storage area of the terminal 32.

  In addition, the user accesses a predetermined site operated by the payment agent from his / her mobile terminal 32 and downloads a predetermined program. As described above, a technique for accessing a predetermined site and downloading a program to be activated on a mobile phone is well known, and thus detailed description thereof is omitted. When this program is downloaded, the mobile terminal 32 registers a URL for accessing the payment management unit 13 in its predetermined storage area. When this program decrypts the settlement ID recorded in the two-dimensional code, it extracts the user ID and URL stored in a predetermined storage area, and sends the settlement ID and user ID to the extracted URL. It is for realization.

  As described above, in a state where necessary information is registered, the user accesses the EC site server 20 from the user PC 31, specifies the product to be ordered, and notifies the EC site server 20 to that effect (S1). ). The specific processing of this product is the same as the processing at the conventional EC site. When the content of the order is specified, the EC site server 20 calculates the amount, receives the order, and issues an order number. Then, the order number, the amount of money, and the own shop ID are transmitted as order information to the settlement proxy server 10 (S2).

  When the payment proxy server 10 receives order information (order number, amount, store ID) from the EC site server 20, the payment ID generation unit 11 generates a payment ID. Then, the generated settlement ID, order number, amount, and store ID are associated with each other and registered in the order information storage unit 15. Furthermore, the transaction state of the order information storage unit 15 is set to “state in which a settlement ID has been issued”. Subsequently, the two-dimensional code generation unit 12 generates a two-dimensional code based on the generated payment ID. When the two-dimensional code is generated, the settlement proxy server 10 transmits the two-dimensional code (image data) to the EC site server 20 (S3).

  When receiving the two-dimensional code from the settlement proxy server 10, the EC site server 20 creates HTML data including the two-dimensional code and transmits it to the user PC 31 (S4). When receiving the two-dimensional code from the EC site server 20, the user PC 31 performs processing for displaying the two-dimensional code on the screen. As for the process of transmitting the two-dimensional code from the settlement proxy server 10 to the user PC 31 via the EC site server 20, as described above, the image data of the two-dimensional code may be transmitted directly. The image data of the two-dimensional code created by the two-dimensional code generation unit 12 is stored in a predetermined storage area of the payment proxy server 10 and only the URL of the image data of the two-dimensional code is used via the EC site server 20. A personal computer 31 may be used. In this case, when the user PC 31 receives the URL of the image data of the two-dimensional code, the browser function of the user PC 31 uses the received URL to access the settlement proxy server 10 to obtain the two-dimensional code. And display it on the screen.

  When the two-dimensional code is displayed on the screen of the user PC 31, the user performs an operation for photographing the displayed two-dimensional code with his / her mobile terminal 32. When the mobile terminal 32 acquires a captured image and recognizes that the image includes a two-dimensional code, the mobile terminal 32 decrypts the settlement ID, which is information represented by the two-dimensional code, and stores it in its own storage area. The stored user ID and destination URL are extracted, and the settlement ID and user ID are transmitted to the settlement proxy server 10 specified by the extracted destination URL (S5).

  When the payment proxy server 10 receives the payment ID and user ID from the mobile terminal 32, the payment management unit 13 refers to the order information storage unit 15 with the payment ID received to check whether the payment ID exists. If the received settlement ID is registered in the order information storage unit 15, the transaction state is set to “a state in which the mobile terminal has been accessed”. Further, the amount corresponding to the received payment ID is extracted, and the payment type information storage unit 17 is referred to by the received user ID to extract the card number and the card expiration date. Then, the money amount, card number, and card expiration date are transmitted to the payment system 40 as payment type information (S6). That is, a settlement (credit) request is made. Further, the settlement ID and user ID received from the portable terminal 32 are registered in the access information storage unit 19 here.

  When the payment system 40 receives the amount, the card number, and the card expiration date from the payment proxy server 10, the payment system 40 searches the member database using the card number and the card expiration date, and determines whether these are correct. If the result of the determination is correct, settlement processing is performed. Then, depending on whether or not the payment process has been performed, information indicating whether the payment process is completed or not is returned to the payment proxy server 10 (S7). That is, when the payment process is correctly performed, information indicating that the payment is completed is returned to the payment proxy server 10, and when the payment process is not correctly performed, information indicating that the payment is not possible is settled. A reply is sent to the proxy server 10.

  When the payment proxy server 10 receives information from the payment system 40 as to whether the payment is complete or not, the payment management unit 13 sets the transaction status of the order information storage unit 15 to “successful payment” according to the result. "Or" settlement failed ". Notification according to the received content is made to the EC site server 20 and the portable terminal 32 (S8). That is, when information indicating that payment is complete is received from the payment system 40, the payment management unit 13 transmits a payment completion notification, and when information indicating that payment is not possible is received from the payment system 40, the payment management unit 13 13 sends a notification that payment is not possible.

  The preferred embodiments of the present invention have been described above. However, the present invention is not limited to the above embodiments, and various modifications can be made. For example, in the above-described embodiment, a case has been described in which a product that does not require delivery of an article such as an insurance product or a travel product is purchased as a product. Before transmitting the settlement ID and user ID, the portable terminal 32 displays a delivery destination input screen on the screen. When the user inputs a delivery destination (for example, an address or a telephone number) to the mobile terminal 32, the mobile terminal 32 transmits the delivery destination to the settlement proxy server 10 together with the settlement ID and the user ID. Then, the settlement management unit 13 registers the received delivery destination in the user information storage unit 16 in association with the user ID. In this case, a plurality of delivery destinations may be registered in advance in the portable terminal 32, and it may be possible to select whether to select from delivery destinations registered in advance or to newly input.

  When a general consumer purchases a product or the like by credit settlement in electronic commerce, a method in which the operation is started on the user PC and switched to the operation on the mobile terminal from the middle is also described in Patent Document 1 and is well known. Yes (second embodiment of the same document). In this known technique, the communication path is switched by sending an e-mail from the server side to the user's mobile phone number. However, in the present invention, the switching is performed in response to the user photographing the two-dimensional code displayed on the user PC. In other words, there is a difference from the publicly known technique in which the communication path can be switched by the user. Since it is desirable to perform product order processing without interruption as a series of operations, it is more convenient for the user to use the method of the present invention that can switch the communication path that is likely to cause interruption. I can say that.

It is a block diagram of the payment proxy server which concerns on this invention. 4 is a diagram illustrating items of information recorded in a storage device 14. FIG. It is a flowchart which shows the processing operation of the payment proxy server which concerns on this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 ... Payment agency server 11 ... Payment ID production | generation part 12 ... Two-dimensional code production | generation part 13 ... Payment management part 14 ... Memory | storage device 15 ... Order information storage part 16 ... Use Person information storage unit 17 ... Payment type information storage part 18 ... Store information storage part 19 ... Access information storage part 20 ... EC site server 31 ... User PC
32 ... mobile terminal 40 ... payment system

Claims (2)

A method of performing payment when performing electronic commerce using a computer network,
Sending a product specific instruction from the user PC to an EC site server that implements an EC site;
The EC site server generates order information based on an instruction from the user PC, and transmits the order information to a payment proxy server;
The payment agent server generates a payment ID for identifying the received order information, registers the generated payment ID together with the order information, and generates a two-dimensional code representing the payment ID to generate the EC Sending to the site server;
The EC site server transmitting the two-dimensional code received from the payment agent server to the user PC;
The user PC displaying the two-dimensional code received from the EC site server on a screen;
The user's portable terminal acquires the displayed two-dimensional code by photographing, and decrypts the settlement ID recorded in the two-dimensional code, and extracts the user ID registered in the portable terminal, Transmitting together with the payment ID to the payment agency server identified by a URL registered in the mobile terminal;
The settlement agent server confirming the received settlement ID, extracting the settlement type information corresponding to the received user ID, and transmitting it to the settlement system;
The settlement system performs settlement using the received settlement type information, and transmits settlement settlement information to the settlement agency server;
The settlement agent server performing a settlement permission notification to the EC site server and the mobile terminal based on the received settlement permission information;
A settlement method characterized by comprising: A server that performs payment when a user conducts electronic commerce using a computer network,
User information storage means for storing user information;
A payment type storage means for storing information on a withdrawal destination for the user to make a payment;
A payment ID generating means for generating a payment ID for identifying the order information based on the order information received from the EC site;
Two-dimensional code generation means for generating a two-dimensional code for transmission to the EC site based on the settlement ID;
Order information storage means for storing the generated settlement ID and the received order information in association with each other;
Payment management means for extracting payment type information from the payment type storage means and order information storage means based on the payment ID and user ID received from the mobile terminal;
A payment system transmission / reception means for transmitting the extracted payment type information to the payment system and receiving payment availability information from the payment system;
Based on the received settlement availability information, settlement availability transmission means for transmitting a notification about settlement availability to the EC site and the mobile terminal;
A settlement proxy server characterized by comprising:

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