JP2012203874A - Electronic commercial transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable a customer side to grasp an operation mistake in the case of executing the payment of the price and a seller side to determine the conclusion of transaction in the case of receiving notification indicating that the payment of the price has been executed when the settlement of the price is executed in electronic commercial transaction with cash transfer.SOLUTION: In the electronic commercial transaction system configured of a first server, a first client, a second server and a second client, the first server includes: transaction generation means for generating transaction identification information and payment sum information on the basis of the order information of the electronic commercial transaction from the first client; first virtual account information generation means for generating virtual account information by using the transaction identification information and the payment sum information; and payment information transmission means for transmitting the virtual account information, the transaction identification information and the payment sum information to the first client, and the second server includes payment determination means for determining whether or not the payment of the price has been legally executed by using the virtual account information, transaction identification information and actual payment sum information acquired from the second client.

Description

  The present invention relates to an electronic commerce system, and more particularly to a technique that is preferably applied to depositing money for electronic commerce via a network such as the Internet into a bank account.

  In recent years, electronic commerce for buying and selling merchandise via a network such as the Internet has become widespread. In such electronic commerce, product information of handled products is stored in advance in a product information database in an electronic commerce server established by a seller. A customer accesses an electronic commerce server using an information processing device such as a PC, and designates a product to be purchased and a settlement method (cash transfer, credit, etc.) on the web page of the electronic commerce server. The seller sends the product to the customer when payment of the product price is confirmed. In particular, when the payment method is a cash transfer, it takes time to confirm whether or not the amount of money required for the transaction has been received.

  On the other hand, for example, Patent Document 1 discloses a deposit / withdrawal processing system in which many virtual accounts are used and one transaction is assigned one-to-one so that the deposit confirmation can be efficiently performed. In the deposit / withdrawal processing system, in the deposit / withdrawal process, first, a table search is performed to determine whether the account number of the deposited account is a virtual account number. If the account number of the virtual account is processed, the account number of the virtual account is added to the deposit / withdrawal statement according to the option on the table. The account number of the virtual account is converted into the account number of the real account according to the comparison table. Then, a normal ledger deposit / withdrawal process is performed, and the converted real account is processed.

JP 2000-132611 A

  However, the deposit / withdrawal processing system disclosed in Patent Document 1 has two major problems. The first is that it is not clear whether the deposit amount is correct, although there is a merit that it becomes clear immediately for which transaction the deposit was received at the stage when the bank notified that there was a deposit. Therefore, after all, the seller needs to receive details of the deposit information. Secondly, if the deposit amount is incorrect, the customer cannot recognize the mistake at the timing of deposit, so it is necessary to check at the seller's site and notify the customer.

  Therefore, the present invention enables the customer side to grasp an operation mistake when depositing the price when the settlement of the price is made by cash transfer in the electronic commerce, and the seller side receives the payment of the price. The purpose is to make it possible to judge the establishment of a transaction when receiving a notice to the effect.

  The electronic commerce system of the present invention is a user between a first server and a first client, a second server, and a second server for the user to perform electronic commerce between the first server and the first server. A second client for depositing a price for electronic commerce, wherein the first server is based on the electronic commerce order information obtained from the first client. Transaction generating means for generating transaction identification information and deposit amount information and receiving an order; first virtual account information generating means for generating virtual account information using the transaction identification information and deposit amount information; virtual account information; Payment information transmitting means for transmitting the transaction identification information and the deposit amount information to the first client, and the second server receives the virtual account information and the transaction identification information acquired from the second client. And using the actual deposit amount information representing the actual payment accepted by amounts, have a deposit determination means for determining whether the payment of the price according to the electronic commerce is performed legitimately.

  In the above electronic commerce system, the second server has second virtual account information generating means for generating virtual account information using the transaction identification information and the actual deposit amount information acquired from the second client. The judging means compares the virtual account information generated by the second virtual account number calculating means with the virtual account information acquired from the second client, and if the two match, the payment for the electronic commerce is legally made. It may be determined that the payment for electronic commerce has not been properly performed when the two do not match.

  In the electronic commerce system, the second server includes account management means for managing real account information and virtual account information representing a real account into which a price for electronic commerce is actually deposited, and a payment determination means. However, when the payment for electronic commerce is legitimately received, the virtual account information and the actual deposit amount information are transmitted to the account management means, and the account management means corresponds to the virtual account information received from the payment determination means. For the actual account information to be performed, the deposit confirmation processing may be performed using the actual deposit amount information.

  Further, in the electronic commerce system, the first server has transaction management means for managing transaction information including transaction identification information, virtual account information, and payment status related to electronic commerce for which an order has been received by the transaction generation means. When the deposit determination means is legitimately charged for electronic commerce, the virtual account information used for the deposit is transmitted to the transaction management means, and the transaction management means receives from the deposit determination means Order confirmation processing may be performed for transaction information related to virtual account information.

  In the electronic commerce system, when the first virtual account information generating unit matches the generated virtual account information with the virtual account information related to the transaction information related to the unconfirmed order, the transaction identification used for the generation The virtual account information may be regenerated using transaction identification information different from the information and the deposit amount information used for the generation.

  According to the present invention, when the payment is made by cash transfer in electronic commerce, the customer side can grasp the operation mistake when making the payment, and the seller side has received the payment. It becomes possible to determine the completion of the transaction when receiving the notification.

It is the figure which showed the system configuration | structure of the electronic commerce system which concerns on embodiment of this invention. It is the figure which showed the hardware constitutions of the user terminal which concerns on embodiment of this invention. It is the figure which showed the function structure of EC server and bank server which concern on embodiment of this invention. It is the figure which showed the flow of the transaction management process and payment process which concern on embodiment of this invention.

  Embodiments of the present invention will be described below with reference to the drawings.

  FIG. 1 is a diagram showing a system configuration of an electronic commerce system according to the present embodiment. As shown in the figure, the electronic commerce system of this embodiment includes a user terminal 10, an EC server 20, a bank server 30, and an ATM 40, and the user terminal 10, the EC server 20, and the bank server 30 are connected to a network 50. Connected through. The ATM 40 is an automatic teller machine installed inside or outside a bank store, but as a device for depositing a price for electronic commerce, a user-owned PC or mobile phone is used. It may be a terminal having an equivalent function configured by software for the user.

  FIG. 2 is a diagram illustrating a hardware configuration of the user terminal according to the present embodiment. The user terminal 10 is a PC, mobile phone, PDA (Personal Digital Assistant) or the like having a general hardware configuration, and includes a CPU 11, a memory 12, an HDD 13, an input device 14, and an output device 15. The CPU 11 performs overall operation control of the information processing apparatus or performs predetermined information processing in accordance with the OS and application programs stored in the memory 12. The memory 12 has a storage area (ROM) for storing the OS and application programs, and a work storage area (RAM) used for various processes of the CPU 11. The HDD 13 is an external storage device that holds various data. The input device 14 is a device for inputting operation information by a user. The output device 15 is a device that performs screen output of various data.

  The EC server 20 may have a similar hardware configuration and may be configured by a terminal such as a PC. If the processing amount is large and installed in a large-scale data center, the EC server 20 You may comprise by a server etc. Since the bank server 30 is often installed in a large-scale data center with a large amount of processing, it is generally configured by a blade server or the like.

  FIG. 3 is a diagram showing the functional configuration of the EC server and the bank server according to the present embodiment. FIG. 3 (a) shows the functional configuration of the EC server, and FIG. 3 (b) shows the functional configuration of the bank server. . In the EC server 20 of the present embodiment, the CPU reads an application program (a program for performing transaction management processing unique to the present embodiment) stored in the memory, and generates transaction information based on order information from the user terminal 10. The control unit 200 is configured as a functional unit for performing the order confirmation process based on the payment confirmation notification from the bank server 30. As shown in FIG. 3A, the control unit 200 logically includes a new transaction generation unit 201, a virtual account number calculation unit 202, and a transaction management unit 203. It should be noted that each of these means can be realized by hardware by configuring the circuit with a circuit.

  The new transaction generation unit 201 generates transaction identification information and deposit amount information based on the electronic commerce order information acquired from the user terminal 10 and receives an order. The virtual account number calculation unit 202 generates virtual account information using the transaction identification information and the deposit amount information generated by the new transaction generation unit 201. The transaction management unit 203 obtains order information, transaction identification information, and deposit amount information from the new transaction generation unit 201 and stores them in the transaction information DB 210 as transaction information, and performs transaction based on the deposit processing completion notification from the bank server 30. The order is confirmed for the information, and the transaction information DB 210 is updated.

  In the bank server 30 of the present embodiment, the CPU reads an application program (a program for performing a deposit process unique to the present embodiment) stored in the memory, and deposits based on the information input from the ATM 40 and the received deposit amount. The control part 300 which is a functional part for making a determination and performing determination result notification to the ATM 40, payment confirmation processing, and payment processing completion notification to the EC server 20 is configured. As shown in FIG. 3B, the control unit 300 logically includes a virtual account number calculation unit 301, a deposit determination unit 302, and an account management unit 303. It should be noted that each of these means can be realized by hardware by configuring the circuit with a circuit.

  The virtual account number calculation means 301 generates virtual account information using the transaction identification information acquired from the ATM 40 and the information of the deposit amount received at the ATM 40. The deposit determination unit 302 determines whether the deposit received by the ATM 40 is valid using the virtual account information generated by the virtual account number calculation unit 301 and the virtual account information acquired from the ATM 40, and notifies the ATM 40 of the determination result. At the same time, the EC server 20 is notified that the payment confirmation process has been completed. Based on the determination result by the deposit determination unit 302 (when it is determined that the deposit is valid), the account management unit 303 performs a deposit confirmation process on the real account information associated with the virtual account information.

  FIG. 4 is a diagram showing a flow of transaction management processing and deposit processing according to the present embodiment. In FIG. 4, data moving between the configurations of each terminal and each server and the order of processing performed in each configuration are shown.

  First, in the user terminal 10 operated by a customer, the ordering unit 110 transmits order information (hereinafter referred to as an order slip) to the EC server 20 (process (1)). The order slip includes a product code, the number of orders, and the like. In the EC server 20, the new transaction generation unit 201 receives the order slip from the user terminal 10, generates transaction identification information (hereinafter referred to as transaction number) and deposit amount information (hereinafter referred to as deposit amount), and calculates a virtual account number. The transaction number and the deposit amount are sent to the means 202 (process (2)).

  The virtual account number calculation unit 202 generates virtual account information (hereinafter referred to as virtual account number) using the transaction number and the deposit amount received from the new transaction generation unit 201 (process (3)). The virtual account number is configured by adding an arbitrary number of lower digits to the actual account number (hereinafter, real account number) of the seller operating the EC server 20. The arbitrary number of lower digits to be added may be, for example, a value obtained by hashing a transaction number and a deposit amount by character concatenation. The bank server 30 assigns an arbitrary number of virtual account numbers to the EC server 20 in advance. For example, when the virtual account number is “1234567” and 1,000 virtual accounts are created, virtual account numbers “12345677000” to “1234567999” can be assigned.

  Since the virtual account number is information allocated for each transaction as identification information for uniquely identifying each transaction, it is not allowed to be the same number in different transactions. However, since the transaction for which the order is confirmed no longer needs to be paid using the virtual account number, there is no problem even if the number is the same as the virtual account number assigned to the transaction for which the order has been confirmed. For this reason, the virtual account number calculation means 202 searches the transaction information DB 210 through the transaction management means 203 to check whether or not the generated virtual account number overlaps with the virtual account number assigned to the order unconfirmed transaction. (Process (3)).

  As a result of the duplication check, when the generated virtual account number does not overlap with the virtual account number allocated to the transaction for which the order is not yet confirmed, the virtual account number calculation unit 202 sends the generated virtual account number back to the new transaction generation unit 201 ( Process (4)). The new transaction generation unit 201 transmits the deposit information to the user terminal 10 (process (5)) and also transmits the transaction information to the transaction management unit 203 (process (6)). The deposit information transmitted to the user terminal 10 includes a virtual account number, a transaction number, and an amount, and the transaction information transmitted to the transaction management unit 203 includes a transaction number, a virtual account number, and an order slip.

  The transaction management unit 203 receives the transaction information from the new transaction generation unit 201 and registers it as new transaction information in the transaction information DB 210 (process (6)). In addition, when there is a duplication in the virtual account number duplication determination in the process (3), the new transaction generation unit 201 is notified, and a new transaction number is regenerated and repeated until no duplication occurs. After achieving a non-overlapping state (not shown), processing after processing (4) is performed.

  Thereafter, the customer who has received the deposit information from the EC server 20 operates the ATM 40. In the ATM 40 operated by the customer, the depositing means 410 transmits the deposit information and information on the amount actually received (hereinafter referred to as the actual deposit amount) to the bank server 30 (process (7), process (8)). . In the bank server 30, the virtual account number calculation unit 301 generates a virtual account number using the transaction number and the actual deposit amount among the information received from the ATM 40 (process (7)), and sends it to the deposit determination unit 302 (process). (9)). The deposit determination unit 302 determines the validity of the deposit using the virtual account number received from the ATM 40 and the virtual account number generated by the virtual account number calculation unit 301.

  If they match, the deposit determination means 302 determines that the deposit has been made legitimately (the correct amount of money has been accepted for the correct virtual account number), notifies the ATM 40 of the determination result, and gives a final deposit instruction. Received from the ATM 40 (process (10)). Further, the deposit determination unit 302 sends a deposit confirmation instruction, a virtual account number, and an amount to the account management unit 303 (process (12)), and notifies the EC server that the deposit confirmation process is completed and the virtual account number related to the process. 20 is notified (process (14)).

  If the two do not match, the deposit determination means 302 determines that the deposit has not been made properly (either the virtual account number or the amount or both have been received by mistake), notifies the ATM 40 of the determination result, Re-operation is urged (process (10)).

  Receiving the payment confirmation notice, the account management unit 303 uses the virtual account number and amount from the payment determination unit 302 to perform a payment confirmation process for the real account number corresponding to the virtual account number, and updates the account information DB 310. (Process (13)).

  In the EC server 20, the transaction management means 303 receives the virtual account number from the bank server, searches the transaction information DB 210 using the virtual account number as a key, performs order confirmation processing for the transaction information related thereto, The DB 210 is updated (process (15)).

  By configuring as described above, it becomes possible to immediately notify an operation mistake to a customer who makes a deposit operation on the EC server (the seller side) without verifying the validity of the deposit. In addition, the EC server (the merchant side) only needs to receive notification that payment has been successfully made to a specific virtual account, and it is not necessary to check for excess or deficiency of the deposit amount, and to quickly determine the completion of the transaction. Is possible.

  The above-described embodiment is a preferred embodiment of the present invention, and the scope of the present invention is not limited to the above-described embodiment alone, and various modifications are made without departing from the gist of the present invention. Implementation is possible.

  That is, the program executed by the EC server or bank server in the present embodiment is the means described above (new transaction generation unit 201, virtual account number calculation unit 202, transaction management unit 203, virtual account number calculation unit 301, The module configuration includes a deposit determination unit 302 and an account management unit 303), and actual units are realized using actual hardware. That is, when the computer (CPU) reads a program from a predetermined recording medium and executes it, the above-mentioned means are loaded onto the main storage device and generated.

  The program executed by the EC server or bank server in this embodiment may be configured to be stored on a computer connected to a network such as the Internet and provided by being downloaded via the network. Further, the program may be provided or distributed via a network such as the Internet.

  The program is a file in an installable or executable format, such as a floppy (registered trademark) disk, hard disk, optical disk, magneto-optical disk, CD-ROM, CD-R, DVD, nonvolatile memory card, or the like. It may be configured to be provided by being recorded on a computer-readable recording medium. Further, the program may be provided by being incorporated in advance in a ROM or the like.

  In this case, the program code itself read from the recording medium or loaded and executed through the communication line realizes the functions of the above-described embodiments. And the recording medium which recorded the program code comprises this invention.

10 User terminal 11 CPU
12 Memory 13 HDD
14 Input device 15 Output device 20 EC server 30 Bank server 40 ATM
50 Network 200, 300 Control Unit 201 New Transaction Generation Unit 202, 301 Virtual Account Number Calculation Unit 203 Transaction Management Unit 210 Transaction Information DB
302 Deposit determination means 303 Account management means 310 Account information DB

Claims (5)

The user is involved in the electronic commerce between the first server, the first server for the user to perform electronic commerce between the first server and the first server, the second server, and the second server. An electronic commerce system comprising a second client for depositing a price,
The first server is
Transaction generating means for generating transaction identification information and deposit amount information based on order information of electronic commerce acquired from the first client, and receiving an order;
First virtual account information generating means for generating virtual account information using the transaction identification information and the deposit amount information;
A deposit information transmitting means for transmitting the virtual account information, the transaction identification information and the deposit amount information to the first client;
Have
The second server uses the virtual account information and transaction identification information acquired from the second client and the actual deposit amount information indicating the amount actually received to deposit the money for the electronic commerce. An electronic commerce system comprising payment determination means for determining whether or not a payment has been made. The second server has second virtual account information generation means for generating virtual account information using the transaction identification information acquired from the second client and the actual deposit amount information,
The payment determination means compares the virtual account information generated by the second virtual account number calculation means with the virtual account information acquired from the second client, and if the two match, the payment for the electronic commerce is calculated. 2. The electronic commerce system according to claim 1, wherein it is determined that payment has been properly performed, and it is determined that payment for the electronic commerce has not been correctly performed when the two do not match. The second server has account management means for managing real account information representing a real account into which the price for electronic commerce is actually deposited and the virtual account information,
The deposit determination means transmits the virtual account information and the actual deposit amount information to the account management means when the payment for the electronic commerce is legitimately performed,
3. The electronic device according to claim 1, wherein the account management unit performs a deposit confirmation process using the actual deposit amount information for the real account information corresponding to the virtual account information received from the deposit determination unit. Commerce system. The first server has transaction management means for managing transaction information including transaction identification information, virtual account information, and payment status regarding electronic commerce for which an order has been received by the transaction generation means,
The deposit determination means transmits the virtual account information used for the deposit to the transaction management means when the payment for the electronic commerce is legitimately performed,
4. The electronic commerce system according to claim 1, wherein the transaction management unit performs an order confirmation process on transaction information related to virtual account information received from the deposit determination unit. 5.   The first virtual account information generating means, when the generated virtual account information matches the virtual account information related to the transaction information related to unconfirmed order, the transaction identification information different from the transaction identification information used for the generation, and the 5. The electronic commerce system according to claim 4, wherein the virtual account information is regenerated using the deposit amount information used for generation.

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