JP2014067408A - Settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settlement system that can be introduced without forcing existing bookstores etc. to bear excessive burdens in settlement of electronic content.SOLUTION: A settlement system is a system for a commercial transaction among three parties of: a system manager who manages a system operation; a system user who desires content; and a system member store that receives payment of a content purchase price from the system user. A content selected by the system user can be downloaded to a user terminal through an Internet line when the system user pays its price to the system member store. The system manager mediates between the system user and the system member store, and performs settlement processing of: confirming that the system user appropriately makes payment by checking settlement information transmitted to the system user against settlement information received from the system member store; and keeping the content in a downloadable state.

Description

The present invention relates to a system that enables payment by cash in a commercial transaction using the Internet.

With the remarkable progress of computer networks such as the Internet in recent years, contents such as music CDs, DVDs, books, etc. that have been sold and purchased at actual system affiliated stores have been digitized one after another, while staying at home or at work. Can now be purchased easily. As a result, the qualitative and quantitative disparity between regions has almost disappeared, and local residents can enjoy services equivalent to those in urban areas. However, on the other hand, existing record stores and bookstores that have been responsible for the majority of content sales so far suffer from a decrease in sales due to a decrease in the number of visitors, and some have been forced to close their businesses.

By the way, the roles that existing system merchants have played so far in content sales, such as the function of advertising to the region and the function of face-to-face communication with customers, are very important in electronic content sales, and are used greatly. It should be. In addition, business credit has been accumulated from long-term operations at the same location. Therefore, attempts have been made to incorporate such functions of existing system member stores into the sale of electronic contents (see Patent Documents 1 and 2).

JP 2003-233726 A JP 2004-280580 A

The technology disclosed in Patent Document 1 links electronic content users, retailers, and publishers so that they can communicate with each other over a network, and when a user orders electronic content, the terminal of the retailer Information is transmitted from the publisher's terminal to the publisher's terminal, and the ordered electronic content is distributed from the publisher's terminal to the user's terminal. On the other hand, the technology disclosed in Patent Document 2 has the same configuration in which terminals are arranged for each of a user, a store, and a publisher, but the terminal of the store is used when ordering electronic contents. It differs in that it directly accesses the publisher's terminal without intervention.

When introducing such a system, the most important point to consider is that it does not place an excessive burden on existing dealers, both labor and economy. For this purpose, it is desirable to be able to sell electronic contents on an extension of conventional work without forcing the dealer to perform new work in the operation of the system. From this point of view, the prior art cannot cope with the payment of the purchase price of merchandise, which has been normally performed at a store. For this reason, the dealer is forced to acquire knowledge about a newly introduced system and further to acquire complicated terminal operations.

The present invention has been made to solve these problems existing in the prior art, and provides a payment system capable of introducing a system without imposing an excessive burden on an existing bookstore in handling electronic contents. To do.

A first aspect of the present invention includes an administrator terminal belonging to a system administrator, a user terminal belonging to a system user, a member store terminal belonging to a system member store, the administrator terminal, and the user terminal. A communication means for connecting, and a communication means for connecting the manager terminal and the member store terminal, the manager terminal, the unique information of the content selected through the user terminal and the unique information of the user terminal, Means for creating payment information in association with the payment information; means for transmitting the payment information to the user terminal; means for checking the payment information received from the member store terminal and the payment information transmitted to the user terminal; The user terminal comprises means for storing payment information received from the manager terminal, the member store terminal obtains payment information stored in the user terminal, and the user terminal And means for transmitting the payment information to the administrator terminal acquired, and means for notifying that settled to the manager terminal is completed from a payment system.

The system administrator is a person who manages the operation of the payment system and performs a payment process for a product handled by the system manager, or a person who performs a payment process when entrusted for a product handled by another person. A system user is a person who purchases desired content using a payment system. A system member store is a manned or unattended store that has previously signed a member store contract as a payment window for a payment system with a system administrator, and is a person who receives payment for the purchase of content from the system user. The payment system is configured such that information can be transmitted and received between the user terminal and the administrator terminal, and the member store terminal and the administrator terminal via the Internet line.

The payment system realizes a business model in which the content selected by the system user can be downloaded to the user terminal through the Internet line by paying the price to the system member store. The system administrator intervenes between the system user and the system member store, and the system user pays properly by collating the payment information sent to the system user with the payment information received from the system member store. After confirming that the content has been downloaded, a settlement process is performed to place the content in a downloadable state.

As a means for the user terminal to select the content, the two-dimensional code or the like actually attached to the content or the package of the content is directly scanned or the website is browsed using the user terminal and displayed there. A technique for selecting a desired content from existing content can be used.

In the payment system, the system member store plays the role of reading the payment information received from the administrator terminal by the user terminal using the member store terminal and collecting the purchase price of the content from the system user. This is a settlement method that is generally performed at present, that is, a conventional method in which a two-dimensional code or the like attached to a book or record package desired to be purchased is read with a scanner or the like and the displayed amount is collected Is exactly the same procedure. Therefore, the introduction of the payment system does not require the system member store to perform an operation different from the conventional procedure. As a means for the member store terminal to acquire the payment information stored in the user terminal, a wired or wireless communication technique may be used in addition to the above-described scanning.

The payment system may be configured such that the administrator terminal includes a means for transmitting a payment format to the member store terminal, and the member store terminal includes a means for notifying the administrator terminal that the payment is completed through the payment format. it can.

The payment format visually displays information necessary for the system user to make a payment to the system member store, for example, the name of the content and the purchase price. The system user confirms the information displayed in the settlement format, and pays the price to the system member store if the desired content is correct. The system member store that has received the payment presses the payment completion button or the like displayed in the payment format, and notifies the administrator terminal that the payment has been completed.

The payment system has a configuration in which the administrator terminal includes a first information processing area that performs information processing with the user terminal and a second information processing area that performs information processing with the member store terminal. be able to. By configuring the first information processing area that can be accessed by an unspecified number of system users and the second information processing area that can be accessed by system member stores as separate processing areas, information leakage, etc. Risk can be reduced and security management functions can be enhanced. For the second information processing area, it is desirable to use the input of ID / PW assigned in advance to the system member store as the access condition. In this case, it is desirable that the administrator terminal includes a means for collating the payment information stored in the first information processing area with the payment information stored in the second information processing area.

The payment system can be configured to include means for the administrator terminal to transmit a content download format to the user terminal.

By acquiring the download format, the system user can download the content whenever he / she wants in an environment that can be connected to the Internet. If the download format is configured to be able to move to another terminal, the content can be downloaded to any terminal when the system user owns a plurality of terminals.

According to a second aspect of the present invention, there is provided a payment method using the payment system according to the first aspect, in which the administrator terminal selects the unique information of the content selected through the user terminal and the uniqueness of the user terminal. Creating payment information in association with information and transmitting the payment information to the user terminal; storing the payment information received from the administrator terminal by the user terminal; and Acquiring the payment information stored in the customer terminal and transmitting it to the manager terminal, and the manager terminal collates the payment information received from the member store terminal with the payment information transmitted to the user terminal. A payment method including a step of transmitting a payment format to the member store terminal, and a step of notifying the manager terminal that the payment is completed by the member store terminal through the payment format.

The payment system can be configured to include means for the administrator terminal to transmit a content download format to the user terminal.

The payment system of the present invention follows the conventional face-to-face payment method, ie, a method of scanning a two-dimensional code attached to a product and collecting the displayed amount in electronic content payment. There is an advantage that you can. For this reason, system member stores are not required to have special knowledge or work when handling electronic contents anew, so there is almost no increase in the burden due to the introduction of the system. Existing bookstores and the like have a function of advertising in the region and often have a relationship of trust with customers. By fully utilizing these, it is possible to expect expansion of the sales channel for electronic content. Since the system member store only receives payment for the content purchase, it is not necessarily a manned store, and may be an unmanned store.

Conceptual diagram of payment system Payment system configuration diagram Flow chart showing the information processing procedure of the payment system Conceptual diagram of electronic content distribution system The flowchart which shows the procedure of electronic content delivery processing Conceptual diagram of product shipping system Flow chart showing product shipping procedure

Embodiments of the present invention will be described with reference to the drawings. FIG. 1 is a conceptual diagram showing an example of a payment system. The payment system 10 includes an administrator terminal 12 belonging to a system administrator, a member store terminal 14 belonging to a system member store, and a user terminal 16 belonging to a system user.

The system administrator is a person who manages the operation of the payment system 10 and performs a payment process for a product handled by the system administrator, or a person who performs a payment process when commissioned for a product handled by another person. The system user is a person who purchases desired content using the payment system 10. A system member store is a manned or unattended store that has previously signed a member store contract to be a payment window for the payment system 10 with a system administrator, and is a person who receives payment for the purchase of content from the system user. .

The payment system 10 is basically a system that is deployed on the network through the Internet line 18, but a face-to-face relationship between the system user and the system member store that is the same as the conventional relationship between the customer and the store is ensured. Has been. Specifically, the content selected by the system user realizes a business model in which the price can be downloaded to the user terminal 16 through the Internet line 18 by paying the price to the system member store mainly in cash. It is. The system administrator is interposed between the system user and the system member store through the Internet line 18. The payment information transmitted from the administrator terminal 12 to the user terminal 16 and the payment received by the administrator terminal 12 from the member store terminal 14. It is a system that performs a settlement process of confirming that the system user has paid properly by collating with information and placing the content in a downloadable state.

The configuration of the payment system 10 will be described with reference to FIG. The administrator terminal 12 can be constructed as a server connected to the Internet line 18. The administrator terminal 12 includes a payment information creation unit 20, a payment information storage unit 22, a payment information collation unit 24, a first information processing unit 26, a second information processing unit 28, a payment format creation unit 30, and a download format creation unit. 32, a content database 34 is provided.

The payment information creation unit 20 is means for creating payment information in association with the unique information of the content received from the user terminal 16 and the unique information such as the IP address and MAC address of the user terminal 16. The settlement information is created as a two-dimensional code so that it can be displayed on the screen of the user terminal 16 and can be scanned at the member store terminal 14. The created payment information is transmitted to the user terminal 16 and stored in the payment information storage unit 22.

The payment information matching unit 24 is a means for checking the payment information transmitted to the user terminal 16 and the payment information received from the member store terminal 14. When the payment information matching unit 24 receives the payment information from the member store terminal, the payment information matching unit 24 selects matching items from the plurality of payment information stored in the payment information storage unit 22 and performs matching. If the payment information matches in this verification, it can be determined that the system user wishes to visit the system member store and pay for the content purchase.

The first information processing unit 26 is a control unit that configures an area for performing information processing between the administrator terminal 12 and the user terminal 16. The payment information creation unit 20 and the payment information storage unit 22 perform information processing in the first information processing area controlled by the first information processing unit 26. The second information processing unit 28 is a control unit that configures an area for performing information processing between the manager terminal 12 and the member store terminal 14. A settlement format creation unit 30 and a download format creation unit 32, which will be described later, perform information processing in a second information processing area controlled by the second information processing unit 28. The payment information received from the member store terminal 14 is temporarily stored in the second information processing unit 28 and collated with the payment information stored in the payment information storage unit 22 of the first information processing unit 26.

The settlement format creation unit 30 is means for creating a settlement format after collating the settlement information transmitted to the user terminal 16 with the settlement information received from the member store terminal 14 and transmitting it to the member store terminal. The settlement format displays information necessary for the system user to pay the purchase price of the content to the system member store on the screen of the member store terminal 14. Specifically, the name of the content desired by the system user, the quantity of the content, the payment amount, and the settlement completion button are visually displayed.

The download format creation unit 32 is a means for transmitting to the user terminal 16 a download format of content for which payment has been completed after completion of payment. In the download format, a download start button is displayed together with information such as the name of the purchased content, the order date, the purchase amount, and the payment member store. If the system user can connect to the Internet, the user can download the content at any time by simply pressing the download start button.

The content database 34 is a database that stores content that can be provided to system users. The content stored in the content database 34 includes content that has been commissioned for copyright management in addition to content that the system administrator has copyright. These contents are replaced as needed, and new ones are replenished.

The member store terminal 14 includes a payment information acquisition unit 40, a payment information transmission unit 42, a payment format reception unit 44, and a payment completion information notification unit 46. The payment information acquisition unit 40 is means for acquiring payment information stored in the user terminal 16. Generally, the payment information uses a two-dimensional code that can be visually displayed. The system member store reads the two-dimensional code displayed on the screen of the user terminal 16 with a scanner or the like to obtain the payment information. Can be easily obtained.

The payment information transmission unit 42 is means for transmitting the payment information acquired from the user terminal 16 to the administrator terminal 12. When acquiring the payment information from the user terminal 16, the member store terminal 14 displays a payment format on the screen of the member store terminal 14. IDs and PWs necessary for accessing the administrator terminal 12 are assigned to the system member stores at the time of member store registration. When sending the settlement information, the ID and PW must be input in advance to enter the login state. Is desirable.

The settlement format receiving unit 44 is a means for receiving the settlement format from the administrator terminal 12 and displaying it on the screen. The payment format displays the content name, content quantity, payment amount, and payment completion button. The system user confirms the contents displayed in the payment format and sets the desired content and amount. If there is no mistake, payment is made to the system member store. The system member store that received the payment presses the settlement completion button or the like. The payment completion information notification unit 46 notifies the administrator terminal 12 that the payment is completed when the payment completion button is pressed.

The user terminal 16 includes a content selection unit 50, a content code information transmission unit 52, a payment information storage unit 54, a payment information display unit 56, and a download format reception unit 58. The content selection unit 50 is means for selecting content desired by the system user. When selecting content at a store, content code information is obtained by scanning the two-dimensional code attached to the content using the camera of the user terminal 16 or the like. The content code information can also be acquired from a two-dimensional code printed on a poster, a brochure, a book, or the like, which is a content package or a content promotion medium, or displayed on a monitor or the like. Also, a method of inputting the number of the content JAN code or the title of the content by keyboard or voice can be employed. Furthermore, unlike the method of acquiring content code information, the desired content is displayed on the website operated by the system administrator or the content displayed on the website operated by another business operator that has previously established a business alliance. It is also possible to select one.

The content code information transmission unit 52 is means for transmitting the acquired content code information to the administrator terminal 12. When the content code information is transmitted, unique information regarding the user terminal 16 such as an IP address and a MAC address is also transmitted to the administrator terminal 12.

The payment information storage unit 54 is a means for storing payment information received from the administrator terminal 12. The payment information display unit 56 is a means for visually displaying the payment information stored in the payment information storage unit 54 on the screen.

The download format receiving unit 58 is means for receiving and storing a download format from the administrator terminal 12. The system user can download the content at any time by accessing the content database 34 from the download format.

The procedure of the payment process of the payment system 10 will be described with reference to the flowchart of FIG. The system user downloads application software (hereinafter referred to as an application) for using the payment system 10 and installs it on the user terminal 16 (S1: application download). The application can be downloaded from a website operated by a system administrator or a website specialized in providing an application. Thereafter, the system user operates the user terminal 16 according to the instruction on the operation screen after the application is activated. The system user acquires content code information if there is content desired to be purchased (S2: acquisition of code information). The acquired code information is transmitted to the administrator terminal 12 together with the unique information of the user terminal 16 (S3: code information / terminal unique information transmission).

The administrator terminal 12 creates payment information based on the code information received from the user terminal 16 and the terminal unique information (S4: payment information creation). The created payment information is stored (S5: payment information storage) and transmitted to the user terminal 16 (S6: payment information transmission).

The user terminal 16 receives and stores payment information (S7: payment information storage). The system user visits the system member store to pay for the purchase price of the content, and displays a two-dimensional code including settlement information on the screen of the user terminal 16 (S8: settlement information display).

The member store terminal 14 reads the two-dimensional code on the screen by the scanning function and acquires payment information (S9: payment information acquisition). When the system member store is a manned store, the clerk of the system member store operates the member store terminal 14 to acquire payment information, and when the system member store is an unmanned store, the system user operates the member store terminal 14. In addition to scanning, the payment information can be acquired by wireless communication between terminals, direct input of code information, or the like. The acquired payment information is transmitted to the administrator terminal 12 (S10: payment information transmission). As the payment information, the ID and PW assigned to the system member store are input, and the payment information is transmitted to the administrator terminal 12 while logged in to the payment system 10. At this time, unique information of the member store terminal 14, such as system member store unique information such as IP address information, is recognized by the administrator terminal 12.

The manager terminal 12 collates the settlement information received from the member store terminal 14 with the settlement information stored by itself (S11: collation). Here, by confirming the identity of the two pieces of payment information of the information transmitted to the user terminal 16 and the information received from the member store terminal 14, the orderer of the content and the payer of the purchase price are the same person. Confirm. As a result of the verification, if the payment information matches, it is determined that the system user wishes to visit the system member store and pay for the purchase price of the content, and the payment format is set to the member store terminal 14. (S12: Send payment format). If the payment information does not match, an error notification is sent to the member store terminal 14.

The member store terminal 14 displays the received payment format on the screen (S13: payment format display). The payment format displays the name of the content, the quantity of the content, the payment amount, and the payment completion button, and the system user confirms these contents displayed in the payment format, and the desired content and amount are incorrect. If there is no, pay the system member store. Payment is based on cash settlement, but it can also be made by using card payment or a prepaid function of the user terminal 16, which is normally performed in a conventional bookstore or record store. When the payment is completed and the payment completion button is pressed, the member store terminal 14 notifies the manager terminal 12 that the payment is completed (S14: payment completion notification transmission).

The administrator terminal 12 receives a payment completion notification (S15: reception of payment completion notification). When the settlement completion notification is received, a download format is created (S16: download format creation). The created download format is transmitted to the user terminal 16 (S17: download format transmission).

The user terminal 16 receives the download format from the administrator terminal 12 (S18: download format reception) and stores the received download format (S19: download format storage). By storing the download format, it is possible to download content whenever you want in an environment where it can be connected to the Internet. If the download format is configured to be able to move to another terminal, the content can be downloaded to any terminal when the system user owns a plurality of terminals. The content can be downloaded by pressing the download start button (S20: download start).

Note that the use of an application in the payment system 10 is merely one form of operation of the payment system 10 and is not an essential means or process. For example, the system user can operate the user terminal 16 in accordance with a menu in a website operated by a system administrator or a system use member store.

Such a payment system 10 can be applied to payment processing of purchase prices of various contents regardless of tangible or intangible. Here, an example in which the payment system 10 is applied to a payment process for purchase price of intangible electronic content and an example in which it is applied to a payment process for purchase price of tangible content will be described.

FIG. 4 is a conceptual diagram of an electronic content distribution system to which the payment system 10 is applied. In this electronic content distribution system, a system user orders electronic content from a system administrator and pays a purchase fee for electronic content to a system member store. The system administrator first grants a right (download right) for requesting download of electronic content. Since the download right is electronic information, it can be transferred to terminals other than the user terminal 16, and electronic content can be downloaded by requesting download from the transfer destination terminal. Electronic content may be managed directly by a system administrator, or may be managed by a third-party system use member store or content manufacturer. If the system administrator manages the electronic content, the electronic content can be downloaded by requesting the system administrator to download. If managed by a system-use member store or content manufacturer, the system administrator notifies the system-use member store or content manufacturer of payment completion, and then the system user notifies the system administrator or content manufacturer. Electronic content can be downloaded by requesting download.

FIG. 5 is a flowchart showing a distribution processing procedure in the electronic content distribution system. Note that the procedure from downloading the application to notifying completion of payment is the same as the procedure in the flowchart of FIG. 3, and therefore, the subsequent distribution processing procedure will be described. When the system user confirms that the payment is completed by the push communication of the application or the like, the system user requests the administrator terminal 12 to give the download right (S30). The administrator terminal 12 transmits electronic information related to the download right to the user terminal 16 (S31). This electronic information includes information such as information for specifying electronic content and the URL of a website as a download source. The user terminal 16 stores electronic information related to the download right (S32). The system user can exercise the download right at any time within the expiration date. When exercising the download right, the user terminal 16 requests the administrator terminal 12 to download (S33). The administrator terminal 12 that has received the request transmits the corresponding electronic content to the user terminal 16 (S34). The user terminal 16 stores the electronic content (S35). The stored electronic content can be reproduced using the sound function or viewer function of the user terminal 16. The electronic information related to the download right can be transferred to a terminal other than the user terminal 16. For example, if the download right stored in a mobile phone is transferred to a home personal computer and download is requested from the personal computer, it is possible to enjoy electronic contents on the personal computer.

The above is the procedure when the system administrator stores electronic contents, but the electronic contents entrusted to third-party system use member stores or content manufacturers and the websites of system use member stores When handling the electronic content stored or managed by only the administrator terminal 12, the administrator terminal 12 transmits a payment completion notice to the system use member store terminal (S36). The download request from the user terminal 16 is sent not to the administrator terminal 12 but to the system use member store terminal, and the electronic content is transmitted from the system use member store terminal to the user terminal 16 (S37). In the case where electronic contents are handled on a website operated by a system use member store, when a desired product is selected on the website and an order is placed, a payment request is transmitted from the system use member store terminal to the user terminal 16. . The system user transmits product code information and system user information from the user terminal 16 to the administrator terminal 12. The procedure from here to the notification of completion of settlement is the same as the procedure shown in the flowchart of FIG. However, downloading the app is not an essential process. After payment is completed, a payment completion notice is sent to the website operated by the system-use member store, the page is returned to the website, and the user operates from the system-use member store terminal by following the operation instructions on the website. Electronic content is transmitted to the terminal 16.

FIG. 6 is a conceptual diagram of a product delivery system to which the payment system 10 is applied. Here, the product to be purchased is a tangible object, not an intangible object such as electronic content. FIG. 7 is a flowchart showing a product delivery procedure in the product delivery system. The system user selects an arbitrary product from the products with the code information and places an order (S38). The product can be selected if it is a product with code information attached, such as a product posted on a website managed by a system-use member store or a product displayed or displayed at the storefront. When purchasing a product for the first time, information necessary for shipping the product, such as the name and address of the system user, is entered and registered after ordering. When the input of all information is completed, a payment request is transmitted from the system use member store terminal to the user terminal 16 (S39). The system user transmits product code information, IP address information of the user terminal 16 and the like from the user terminal 16 to the administrator terminal 12 (S40). The procedure from here to the notification of completion of settlement is the same as the procedure of the flowchart shown in FIG. However, the administrator terminal 12 transmits a payment completion notice to both the user terminal 16 and the system use member store terminal (S41). Upon receipt of the payment completion notice, the system-use member store sends the product to the registered destination address (S42). The system user receives the product sent from the system use member store (S43).

As described above, the payment system and the distribution system using the payment system are mainly composed of the administrator terminal 12 belonging to the system administrator, the member store terminal 14 belonging to the system member store, and the user terminal 16 belonging to the system user. In the configuration, the administrator terminal 12 and the user terminal 16, and the administrator terminal 12 and the member store terminal 14 are connected by a network 18, respectively. Electronic content ordering and distribution by download is performed between the user terminal 16 and the administrator terminal 12 through the Internet line 18, and the system member store reads the code information stored in the user terminal 16 at the member store terminal 14, In accordance with the payment format received from the administrator terminal 12, it is only necessary to receive payment for the purchase price of the electronic content from the system user. From the standpoint of a system member store, this is exactly the same procedure as a conventional sales method in which a two-dimensional code written on a book or record package is read by a scanner or the like and a purchase price is collected from a customer. Therefore, the introduction of this system does not require the system member store to perform work different from the conventional procedure, so that the work burden on the system member store hardly increases.

The merchandise purchase price received by the system member store from the system user is distributed as a fee to the system member store and the system use member store, and is distributed as a system management fee to the system administrator. In the case of publishers, etc.). These distribution ratios should be determined at the stage when the system member store or the system use member store concludes a system use contract with the system administrator.

The payment system 10 can be applied not only when the content itself is targeted for commercial transactions, but also when the content is used as an incentive for commercial transactions. For example, the present invention can be applied to a service in which content is posted on an advertising medium such as a magazine, a flyer, a poster, or a website, and the content is distributed free of charge on the condition of purchasing a specific product. In this case, the payment is made not for the content but for the product that is the target of the content, but the flow of payment processing and the flow of content distribution in the entire payment system 10 are the same as those described above. .

DESCRIPTION OF SYMBOLS 10 Payment system 12 Manager terminal 14 Merchant terminal 16 User terminal 18 Internet line 20 Payment information creation part 22 Payment information storage part 24 Payment information collation part 26 1st information processing part 28 2nd information processing part 30 Creation of payment format Unit 32 download format creation unit 34 content database 40 settlement information acquisition unit 42 settlement information transmission unit 44 settlement format reception unit 46 settlement completion information notification unit 50 content selection unit 52 content code information acquisition unit 54 settlement information storage unit 56 settlement information Display 58 Download format receiver

Claims (7)

An administrator terminal belonging to the system administrator,
User terminals belonging to system users,
A member store terminal belonging to a system member store,
Communication means for connecting the administrator terminal and the user terminal;
Communication means connecting the manager terminal and the member store terminal,
Means for creating payment information in association with the unique information of the content selected through the user terminal and the unique information of the user terminal; and means for transmitting the payment information to the user terminal. And means for collating the payment information received from the member store terminal with the payment information transmitted to the user terminal,
The user terminal comprises means for storing payment information received from the administrator terminal;
The member store terminal acquires the payment information stored in the user terminal, the means for transmitting the payment information acquired from the user terminal to the administrator terminal, and the payment to the administrator terminal is completed. Means for notifying,
Payment system. The manager terminal includes means for transmitting a payment format to the member store terminal;
The user terminal comprises means for notifying the administrator terminal that payment has been completed through the payment format;
The settlement system according to claim 1. The manager terminal includes a first information processing area for performing information processing with the user terminal, and a second information processing area for performing information processing with the member store terminal.
The settlement system according to claim 1 or 2. The manager terminal comprises means for collating the payment information stored in the first information processing area with the payment information stored in the second information processing area;
The payment system according to claim 3. The manager terminal further comprises means for transmitting a format for downloading the selected content to the user terminal;
The settlement system according to any one of claims 1 to 4. A payment method using the payment system according to any one of claims 1 to 4,
The administrator terminal creates payment information in association with the unique information of the content selected through the user terminal and the unique information of the user terminal, and transmits to the user terminal;
The user terminal storing the payment information received from the administrator terminal;
The member store terminal acquires the payment information stored in the user terminal and transmits it to the manager terminal;
The manager terminal collating the payment information received from the member store terminal with the payment information transmitted to the user terminal, and transmitting a payment format to the member store terminal;
The member store terminal notifying that the payment is completed to the administrator terminal through the payment format,
Payment Method. The manager terminal includes a step of transmitting a download format of the selected content to the user terminal;
The settlement method according to claim 6.

Images