JP2014078213A - Payment processing system and method thereof - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a payment processing method and a system thereof capable of accurately grasping a person performing the payment even when there is a plurality of payers having the same name without increasing time and effort of a provider of an article and the number of accounts managed and operated by the provider and capable of shortening a confirming operation of the payment state by the provider of the article.SOLUTION: This payment processing system is configured such that, when a payment is made to a one-time account of a prescribed number range, a bank server 200 transfers the payment to the account of a provider X, and uploads payment amount information including the account number of the one-time account to which the payment is made to a prescribed URL. A provider server 100 sets order information corresponding to the payment amount information uploaded to the URL in the upload step among pieces of order information as a payment process processed.

Description

  The present invention processes a payment using a bank server that can communicate with the provider server via a communication line when a user who is a recipient pays a provider who provides goods or services. The present invention relates to a payment processing method and an apparatus thereof.

  In recent years, products and services are frequently sold and provided using websites, and payment is made by methods such as bank transfer, credit card settlement, convenience store settlement, and cash on delivery. The above settlement method is also used for periodic payments such as electricity charges and water charges.

  Of these payment methods, bank transfer is often selected as one of the safe payment methods. On the other hand, when confirming bank transfer by a user who is a provider of goods or services, for example, if the quantity of products sold by the provider is large and the number of users who are payers is also large, each user is a bank It takes time to confirm whether or not the transfer has been made. Further, when there are a plurality of users having the same name, it has not been possible to accurately determine which purchase has been paid.

  In order to solve the above-described problem, a bank transfer processing system, which includes account data of a plurality of loan accounts set for a certain customer, account data of a collective account linked to the loan account, Loan account ledger file that stores the history of loan accounts, summary account ledger file that stores the history of summary accounts, and account transfer file that centrally manages the account transfer information for each loan account that is scheduled to be deposited In which each of the loan accounts is set in advance for a specific payer (see, for example, Patent Document 1). In this system, billing data indicating the billing contents for each payer is sent from the customer's computer to the bank server. Based on the billing data, the system associates each payer with the payment amount. Is created, and each billing record is given the account number of the loan account previously assigned to the payer, and each billing record is stored in the account transfer file. When the customer confirms the presence or absence of transfer by a payer, the customer can access the system from a computer and confirm the stored contents of the account transfer file. That is, when this system is used, even when there are a plurality of payers with the same name, the person who made the payment can be accurately grasped by the account number of the transfer account.

JP 2003-122932 A

  However, in the above system, each loan account needs to be set in advance for a specific payer, so the store manager of each convenience store store is set in advance as a payer, and daily sales are made by bank transfer. It is useful when transferring money, but when a person who provides goods or services on the website receives payment by bank transfer from a user who is the payment side, whenever a product or service is bought or sold, The setting is requested, and the trouble of the provider of the product or service is increased.

  In addition, it is possible to set up a lending account in advance for each payer in the case of periodic payments such as electricity charges and water charges, but in the case of periodic payments, the number of payers is large and the number of payers Accordingly, the number of loan accounts increases, so the number of loan accounts that the provider lends and operates increases.

  Further, in order to check the payment status of each payer, the customer needs to access the system from a computer and check the stored contents of the account transfer file. Confirmation work does not take much time for each case, but when there are many cases to be confirmed, the work time is not short.

  On the other hand, in recent years, products and services are sold and provided on websites and games, and more rapid delivery of purchased products and the like has been demanded. For example, there are cases where weapons and armor are purchased with actual cash during the game, but in order for the player to obtain weapons and armor on the game, the player asks the game provider to purchase the weapon or armor. , The player must make a bank transfer to the game provider, the game provider confirms the presence or absence of the bank transfer, and the game provider must take steps to provide weapons and armor to the player based on the confirmation is there. If it takes time to check for bank transfers, it will take time for the player to get weapons and armor. As a result, the inventors check the payment status of each payer. I came to think that shortening the service could provide better service.

  The present invention was made to solve such a problem, and even when there are a plurality of payers of the same name without increasing the trouble of the provider of goods and the number of accounts managed by the provider. It is an object of the present invention to provide a payment processing method and system capable of accurately grasping a person who has paid and shortening a payment status confirmation work by a provider of goods and the like.

  In order to achieve the above object, according to the main aspect of the present invention, communication is possible via a communication line with a provider server possessed by a provider who provides a user with a product or service (hereinafter referred to as “product etc.”). And a payment processing system that executes the payment from the user to the provider, which is executed by a bank server in which the provider's account is opened, and the bank server sends the provider to the provider. The one-time account is used within a predetermined number range, and the account data of the provider's account is stored and stored, and the bank server performs the deposit process to the one-time account by the user. Payment processing means to execute, transfer processing means for transferring the deposit amount to the one-time account to the provider's account, and the bank server Payment processing system and a one-time account payment amount notification means to notify the provider server provider to the deposit amount to the one-time account to take advantage of this one-time account due is provided.

  Here, according to one embodiment of the present invention, the bank server allows each one-time account to receive a transfer condition A and a predetermined transfer period in which the transfer is not accepted for a predetermined transfer stop period once the transfer is made. Can be set to any one of the transfer condition B that no longer accepts the transfer after the elapse of time, the transfer condition C that accepts only a predetermined transfer acceptance amount, and the transfer condition D that does not provide the transfer stop period, the transfer period, and the transfer acceptance amount In the bank server, the first number range among the predetermined number ranges is set in the first transfer condition using the transfer conditions A to D, and the predetermined number range The second number range uses the transfer conditions A to D, and is set with a second transfer condition different from the first transfer condition. Serial Depending on the type of order of items such as selecting the first number range or the second number range, in which assign any one-time account within the selected number range.

  Further, in this case, the bank server provides one-time account information indicating which one of the transfer conditions A to D is used to set each one-time account in the predetermined number range. Account information transmitting means for transmitting to the providing server for display on the display device, and which one of the transfer conditions A to D should be used to set each one-time account from the provider server It is desirable to further perform an account setting means for receiving a transfer condition setting instruction and setting each one-time account in accordance with the accepted transfer condition setting instruction.

  Further, according to another embodiment of the present invention, the provider server further includes transmission means for transmitting the account information and the payment amount to the bank server, and the bank server includes: Account setting means is further provided for setting a one-time account corresponding to the account information received from the provider server so that a deposit process is performed only for a deposit request having the same amount as the payment amount.

  According to a second main aspect of the present invention, a provider server possessed by a provider of products or the like that provides a user with a product or service (hereinafter referred to as “product or the like”), and the provider server and a communication line. A payment processing method that is executed by a bank server that is communicable and has an account of the provider and processes payment from the user to the provider, wherein the bank server sends the provider to the provider The one-time account is used in a predetermined number range, and the account data of the provider's account is stored and stored. An account assignment step for assigning an arbitrary one-time account within the predetermined number range for each payment for providing, and a payment amount of the payment and account information of the assigned one-time account An order information storage step of storing and storing payment information associated with the user for each payment, and a deposit processing step in which the bank server executes a deposit process to the one-time account by the user A transfer processing step of transferring the deposit amount to the one-time account to the provider's account, and a one-time account deposit amount uploading step of uploading the deposit amount to the one-time account by the user to a predetermined URL In this method, the provider server further includes the one-time information in which the deposit amount is uploaded to the URL in the one-time account deposit amount information upload step among the order information stored in the order information storage step. For the order information corresponding to an account, if the deposit amount and the payment amount match or the deposit amount is greater than the payment amount, Payment processing method characterized in that an order information organizing step of storing stores that payment has been made for ordering information is provided.

  According to the present invention, it is possible to accurately grasp a person who has made a payment even when there are a plurality of payers with the same name, without increasing the trouble of the provider of products and the number of accounts managed and operated by the provider. In addition, it is possible to shorten the payment status confirmation work by the provider of the product.

  Still other features and remarkable effects of the present invention will be understood by those skilled in the art by referring to the embodiments and drawings described in the Best Mode for Carrying Out the Invention below.

The figure which shows schematic structure of the payment processing system which concerns on the 1st Embodiment of this invention. Similarly, the figure which shows the example of the process which the terminal 10, the provider server, and the bank system 200 perform Similarly, a diagram showing an example of a one-time account management table Similarly, a diagram showing an example of a one-time account information management table Similarly, the figure which shows the example of the order information table The figure which shows schematic structure of the payment processing system which concerns on the 2nd Embodiment of this invention. Similarly, a diagram showing an example of processing

  Hereinafter, embodiments of the present invention will be described with reference to the drawings.

  FIG. 1 is a diagram showing a schematic configuration of a payment processing system according to the first embodiment of the present invention. This payment processing system includes a provider server 100 owned by a provider X of goods and services (hereinafter referred to as goods etc.) and a bank server 200 of a bank where the provider X has opened an account.

  The provider server 100 can communicate with the user's terminal 10 and the portable terminal 22 via the communication line 1 and can also communicate with the bank server 200. The provider server 100 is for communicating with the terminal 10, the mobile terminal 20, and the bank server 200 and has a communication unit 110 having a connector and a protocol stack necessary for communication, a server memory 170, and a memory 180. And have. The server memory 170 includes a one-time account information management table for managing account information of a one-time account in a predetermined number range assigned by the bank, and an order information table for managing order information from each user. Is stored. The provider server 100 is a program that causes the provider server 100 to perform a predetermined operation, and provides sales screen data for selling products and services to the user terminal 10 and the mobile terminal 20. The order receiving unit 120 that accepts orders for goods and services according to the input on the sales screen, the one-time account assigning unit 130 that assigns the account number of the one-time account to each received order, and the order receiving unit 120 The order information storage unit 140 stores the received order in the order information table of the server memory 170 together with the account number allocated by the one-time account allocation unit 130, the order information organizing unit 150, and the expiration date notification unit 160. The functions of the order information organizing unit 150 and the expiration date notification unit 160 will be described later along with an example of processing (see FIG. 2) performed by the terminal 10, the provider server 100, and the bank server 200.

  Although only one provider server 100 is shown in the figure, a plurality of independent provider servers owned by a plurality of different providers may be used.

  The bank server 200 can communicate with the user terminal 10, the mobile terminal 20, the ATM 30, and the like via the communication line 1 and the dedicated line 2, and can also communicate with the provider server 100. The bank server 200 is for communicating with the provider server 100 and has a communication unit 110 having connectors and protocol stacks necessary for communication, and account data for storing account data of the provider X and other customers B It has a storage unit 291, a one-time account data storage unit 292 that stores one-time account data, and a one-time account information management table 293. The bank server 200 is a program for causing the bank server 200 to perform a predetermined operation, and an account setting unit 220 for setting transfer conditions for each one-time account in response to a request from a bank customer, Transfer request processing unit 230 that processes a transfer request to a one-time account from a customer of the customer, and a transfer message for transferring the money transferred to the one-time account to an account associated with the one-time account Created by the transfer message creation unit 240, the account data processing unit 250 that changes each account data of the account data storage unit 291 and the one-time account data storage unit 292 based on the transfer message, and the transfer message creation unit 240. A transfer information upload unit 260 that creates transfer information based on a transfer message and uploads the transfer information to a predetermined URL. It has an account payment amount notification means "), and the account information transmission unit 270 to transmit the data of the transfer conditions and the like of each one-time account in response to a request from the customer's server and the terminal of the bank to the server and the terminal. The account data storage unit 291, the one-time account data storage unit 292, the transfer request processing unit 230, and the account data processing unit 250 may be those normally provided in the banking system 100.

  Hereinafter, a case where payment from a certain user to the provider X is processed will be described along with examples of processing performed by the terminal 10, the provider server 100, and the bank server 200. Note that the processing is the same even if the mobile terminal 20 is used instead of the terminal 10.

  As a premise, the provider X can use a one-time account in a predetermined number range in the bank, for example, a number range of account numbers 1000001 to 1000100 (hereinafter also referred to as 001 to 100). Correspondingly, the one-time account data storage unit 292 of the bank server 200 stores the account data of each one-time account 001 to 100, and the one-time account management table of the server memory 293 has, for example, as shown in FIG. The account number of each one-time account, the account user, and the transfer conditions are stored in association with each other. This one-time account management table is used when, for example, the provider X uses the one-time account 001 to 100 as a bank, and thereafter requests the bank to change the transfer conditions of the one-time account 001 to 100. Is created and updated. The information of this one-time account management table is sent to the provider X or the provider server 100 as a paper medium or electronic data, whereby the account memory 170 of the provider server 100 also has an account as shown in FIG. A one-time account information management table in which numbers and transfer conditions are associated is stored. The one-time account information management table can also store the usage status of each account.

Next, the process will be described. First, when there is a predetermined request from the terminal 10 to the provider server 100, the provider server 100 transmits data for displaying a sales screen on the display screen of the terminal 10 by the order receiving unit 120 (step S1). The sales screen is displayed on the display device of the terminal 10 by a browser. Next, when the user inputs an order on the sales screen, the order data is transmitted to the provider server 100 (step S2). Subsequently, when the provider server 100 receives the order data transmitted in step S2, the provider server 100 allocates an account number of the one-time account to the order by the one-time account allocation unit 130 (step S3). Here, instead of the account number of the one-time account, the assignment may be other information related to the one-time account, for example, a number associated with the account number of the one-time account. In other parts of the present embodiment, the account number of the one-time account can be used as other related information in the same manner as described above. Further, as shown in FIG. The transfer conditions are set. As for the transfer conditions, once there is a transfer to the one-time account, transfer condition A after which the transfer will not be accepted for the predetermined transfer stop period, transfer condition B which will not accept the transfer after the predetermined transfer period has passed, and the predetermined transfer acceptance There are a transfer condition C in which only the amount is accepted, and a transfer condition D in which the transfer stop period, the transfer period, and the transfer acceptance amount are not provided. The transfer conditions A, B and C can be applied simultaneously. In FIG. 4, numbers 001 to 020 are set in the transfer condition A, numbers 021 to 030 are set in the transfer condition B, numbers 031 to 040 are set in the transfer condition C, and numbers 041 to 050 are set. Is set in the transfer conditions D, and the numbers after 051 are set in the transfer conditions A, B and C. The server memory 170 stores a product / transfer condition correspondence table in which product types and transfer conditions are associated, and a product / account number correspondence table in which product types and account numbers of one-time accounts are associated. In step S3, when the account number of the one-time account is assigned to each order, the ordered product is applied to the product / transfer condition correspondence table and the product / account number correspondence table, and the one-time account corresponding to the product is applied. An account number is assigned.

  Subsequently, the provider server 100 sends the user name, the e-mail address, the address, the product code, the payment amount that the user should pay for the product, and the step S3 included in the order data transmitted in step S2. Then, order information is created in association with the account number assigned to the order (see, for example, FIG. 5), and the order information is stored in the order information table of the server memory 170 (step S4). In the present embodiment, order information is created for each order, and the payment status for the order is also stored in each order information. Furthermore, a payment time limit can be set for each order information. In this case, if the account number 021 to 030 shown in FIG. 4, that is, the account number with the transfer condition of the transfer due date is assigned to the order information for setting the payment due date, the payment due date and the transfer due date are the same day The provider X can efficiently manage the transfer. In addition, the provider X requests the bank to set transfer conditions for each one-time account on a regular basis (weekly, monthly, etc.), and the bank server 100 uses the account setting unit 220 to set each one-time account according to the setting request. Set transfer conditions for time accounts. Here, the transfer stop period is set in the case of the transfer condition B, the transfer period is set in the case of the transfer condition B, and the transfer acceptance amount is set in the case of the transfer condition C. Then, the bank server 100 sets the one-time account that has passed the transfer period so that the transfer cannot be performed by the period management unit 270.

  Subsequently, the provider server 100 notifies the user of the account number and the payment amount by e-mail or mail, for example (step S5). In step S5, instead of sending an e-mail or mail, the provider server 100 transmits sales screen data including the account number and payment amount information to the terminal 10, and the sales screen is displayed on the display device of the terminal 10 by a browser. May be displayed.

  Next, the user makes an order transfer request (transfer request to a one-time account) using the internet banking system on the terminal 10 (step S6), or uses the ATM to request an order transfer (to a one-time account). When the bank server 100 receives the transfer request, the bank server 200 updates the corresponding account data in the one-time account data storage unit 292 based on the payment request by the account data processing unit 250. The transfer request is processed (step S7). Subsequently, the bank server 200 creates a transfer message including the deposit amount deposited in the one-time account by the transfer request and the account number of the one-time account in which the deposit has been made by the transfer request (step S8). ) The bank server 200 reduces the account data of the corresponding one-time account stored in the one-time account data storage unit 292 by the deposit amount by the account data processing unit 250 and stores it in the account data storage unit 291. The transfer process is executed by increasing the account data of the account of the provider X that has been added by the deposit amount (step S9).

  Subsequently, the bank server 200 uploads the transfer information created based on the transfer telegram created in step S8 to a predetermined URL by the transfer information upload unit 260 (step S10). In the present embodiment, this URL is set in the memory 180 of the provider server 100. Note that the upload includes notifying the URL of transfer information to the URL. In step S10, the transfer message may be uploaded to the URL as it is.

  The purpose of this upload is to notify that the providing server has received a payment to the one-time account assigned to the provider who is the owner of the providing server. Therefore, the notification method is not limited to uploading as described above, but may be any method that notifies the provider server of the deposit amount by some method. Note that the information notified here includes the account number of the one-time account in order to facilitate the application process in the providing server.

  When uploading (notification) is performed in step S10, the providing server 100 detects the upload (step S11), and when there is such detection, the providing server 100 is stored in the server memory 170 by the order information organizing unit 150. The order information table is updated (step S12). Specifically, for the order information corresponding to the account number of the information uploaded in step S10 among the order information stored in the order information table of the server memory 170, the deposit amount of the uploaded information is the order information. The payment status of the order information is set to “paid”. Also, the providing server 100 deletes the transfer information uploaded to the URL of the memory 180 by the order information processing unit 150 and used for the update in step S12 (step S13).

  Here, the order information of the order number 00001 in FIG. 4 has a payment due date. If the payment status of the order information does not become “paid” by steps S11 and S12 by this payment due date, the providing server 100 The deadline passing notification unit 160 notifies the user corresponding to the order information that payment has not been made according to the order information by e-mail or mail (step S14). In step S14, when a new one-time account number is assigned for the user, the account number is also notified to prompt the transfer. In step S14, instead of sending an e-mail or mail, the next time a request is made from the terminal 10, the provider server 100 includes information on unpaid payment to the terminal 10 and newly assigned account number. The sales screen data may be transmitted so that the sales screen is displayed on the display device of the terminal 10 by a browser.

  As described above, according to the present embodiment, the provider server 100 allocates an arbitrary one-time account within a predetermined number range for payment of goods and the like by the user, and the payment amount of the payment and the allocation are made. Since the order information corresponding to the account information of the one-time account and the user is stored and stored for each payment, the payment amount and the account number of the one-time account are communicated to the corresponding user, and the one-time account is notified from the bank. By receiving information on the presence / absence of the transfer and the amount of money, it is possible to accurately grasp the person who made the payment even when there are a plurality of payers with the same name. The association between each one-time account and each payer is performed centrally by the provider server 100, and the bank does not need to perform processing such as linking each payer to each one-time account. And the number of accounts managed by the provider is not increased.

  Further, in this embodiment, when the bank server 200 receives money in the one-time account in the predetermined number range, the one-time time when the deposit amount and the money were deposited to transfer the deposit amount to the account of the provider X. A transfer message including the account number of the account is created, the account of the provider X is updated with the transfer message, and the transfer message or transfer information based on the transfer message is uploaded to a predetermined URL. Further, for the order information corresponding to the account information of the information uploaded to the URL in the transfer information uploading step among the stored order information, the provider server 100 matches the deposit amount and the payment amount. When the deposit amount is larger than the payment amount, the fact that payment has been made for the corresponding order information is stored. For this reason, there is no need for the provider X to access the bank server 200 to check the payment status of each payer, or the provider X to manually check the payment status, and the payment status by the provider X The confirmation work efficiency can be improved.

  In addition, when the transfer information is uploaded to the URL, the upload is detected, and it is reflected in the order information that the payment has been made in response to the detection of the upload, and the transfer that has been detected from the URL. Since the information is deleted, the order information is updated without delay to the deposit to the bank's one-time account. For example, if the provider is an online game provider, the user is a player of the online game, and the player makes a bank transfer to the provider to purchase weapons and armor on the game, The time from the transfer to the transfer confirmation by the provider can be dramatically shortened, leading to an improvement in the attractiveness of the game.

  Further, in this embodiment, the bank server 100 transfers each one-time account to a transfer condition A in which the transfer is not accepted for a predetermined transfer stop period once the transfer is made, and a transfer in which the transfer is not accepted after a predetermined transfer period. The condition B, the transfer condition C for accepting only a predetermined transfer acceptance amount, and the transfer condition D in which the transfer stop period, the transfer period, and the transfer acceptance amount are not provided can be set. In the bank server 100, a certain number range (for example, 001 to 020) among the predetermined number ranges is set in the first transfer condition using the transfer conditions A to D and the predetermined number range. Among the ranges, other number ranges (for example, 021 to 030) use the transfer conditions A to D, and are set with a second transfer condition different from the first transfer condition. Then, the first number range or the second number range is selected according to the order type of the received product or the like, and an arbitrary one-time account is assigned within the selected number range. In this way, one-time account transfer conditions can be set according to the type of product or service for which an order has been received, and the conditions are divided into a plurality of groups in advance, and the transfer conditions for each group. Therefore, the processing amount on the bank side can be reduced, and the convenience on the provider side is extremely high. On the provider side, there are a wide variety of products and services, and there are cases where it is desired to set a payment due date for each product or service, but it is possible to cope with this. For example, in the case of a provider who asks a user to make a regular and timely payment such as an electricity bill or a water bill, the conventional bank system accepts a bank transfer even if it has passed the deadline. For this reason, if a document for re-notification to the user regarding the overdue transfer has been started, the contents of the document will be changed in the middle, which hinders efficient operation. It was. On the other hand, if you set the transfer conditions for each one-time account as described above and select a one-time account from among them, you can easily prevent overdue transfer and increase business efficiency. It is extremely effective in achieving this.

  In the above embodiment, the provider X requests the bank to set transfer conditions for each one-time account on a regular basis (weekly, monthly, etc.), and the bank server 100 uses the account setting unit 220 to request the setting request. According to the above, it is shown that the transfer conditions for each one-time account are set. In addition, according to the setting request, in the case of the transfer condition B, the transfer stop period is set, in the case of the transfer condition B, the transfer period is set, and in the case of the transfer condition C, the transfer acceptance amount is set. . On the other hand, when performing step S5, the provider server 100 transmits the account number and payment amount notified in step S5 to the bank server 200, and the bank server 200 sends the corresponding account to the payment by the account setting unit 220. It is also possible to set so that the deposit process is performed only for the deposit request having the same amount as the amount. This makes it possible to set the transfer condition C for each one-time account each time, which is extremely effective in improving the efficiency of business.

  Further, when performing step S5, the transfer conditions A to D are transmitted from the provider server 100 to the bank server 200 together with the account number of the one-time account assigned for each order information. It is also possible to set each one-time account according to the transferred transfer conditions.

  In the above embodiment, the provider X requests the bank to set transfer conditions for each one-time account on a regular basis (weekly, monthly, etc.), and the bank server 100 uses the account setting unit 220 to request the setting request. According to the above, it is shown that the transfer conditions for each one-time account are set. On the other hand, the bank server 200 uses the account information transmission unit 280 to indicate which one of the transfer conditions A to D is used to set each one-time account within a predetermined number range. Is sent to the providing server 100 to display it on the display device, and the transfer condition setting indicating which one of the transfer conditions A to D should be used to set each one-time account from the provider server 100. It is also possible to configure such that each one-time account is set according to the transfer condition setting instruction received by the bank server 200 by the account setting unit 220 by receiving the instruction. This makes it easier for the provider to set up each one-time account, which is effective in improving the efficiency of business.

  Next, a second embodiment of the present invention will be described with reference to FIGS. In addition, about the component similar to the said 1st Embodiment, the same referential mark is turned down and the detailed description is abbreviate | omitted.

  In the first embodiment, the transfer information upload unit 260 is provided as the one-time account deposit amount notification means of the present invention. Instead of this, in the second embodiment, the one-time account deposit information upload is performed. A portion 260 is provided. The one-time account deposit information upload unit 260 notifies the provider (provider server) to which the one-time account number is assigned when the one-time account is deposited. It plays the function to do.

  The uploading of the one-time account deposit information (S8) is executed after the transfer process (S7) to the one-time account is executed as shown in FIG. Based on the one-time account number, the bank server identifies the provider to which the one-time account is assigned, and uploads the deposit amount information to the identified provider's server.

  Moreover, this invention is not limited to the said one Embodiment, A various deformation | transformation is possible in the range which does not change the summary of invention.

  For example, in the above embodiment, after the payment status of the order information is updated to “paid”, the transfer information uploaded to the URL of the memory 180 by the order information processing unit 150 and used for the update in step S12 is displayed. Although deletion is performed (step S13), this deletion may not be performed.

  DESCRIPTION OF SYMBOLS 10 ... Terminal, 100 ... Provider server, 110 ... Communication part, 120 ... Order reception part, 130 ... One-time account allocation part, 140 ... Order information storage part, 150 ... Order information arrangement part, 160 ... Deadline passing notification part , 170 ... server memory, 180 ... memory, 200 ... bank server, 210 ... communication unit, 220 ... account setting unit, 230 ... transfer request processing unit, 240 ... transfer message creation unit, 250 ... account data processing unit, 260 ... transfer Information uploading unit, 270 ... time limit management unit, 280 ... account information transmission unit, 291 ... account data storage unit, 292 ... one-time account data storage unit, 293 ... server memory.

Claims (8)

It is executed by a server of a bank that can communicate with a provider server of a provider who provides a product or service (hereinafter referred to as “product etc.”) to a user via a communication line and in which the account of the provider is opened. A payment processing system in which the bank server processes payment from the user to the provider,
The bank server is one that allows the provider to use a one-time account in a predetermined number range and stores account data of the provider's account,
The bank server, deposit processing means for performing deposit processing to the one-time account by the user;
The bank server, transfer processing means for transferring the deposit amount to the one-time account to the provider's account;
A payment processing system, wherein the bank server has a one-time account deposit amount notification means for notifying a provider server of a provider who uses the one-time account of the deposit amount to the one-time account by the user. The payment processing system according to claim 1,
The bank server transfers each one-time account with a transfer condition A that no longer accepts a transfer for a predetermined transfer stop period once the transfer is made, a transfer condition B that no longer accepts a transfer after a predetermined transfer period, and a predetermined transfer It can be set to any of the transfer condition C for accepting only the received amount, and the transfer stop period, the transfer period, and the transfer condition D for not providing the transfer received amount,
In the bank server, the first number range among the predetermined number ranges is set as the first transfer condition using the transfer conditions A to D, and the second number out of the predetermined number ranges. The number range uses the transfer conditions A to D, and is set with a second transfer condition different from the first transfer condition,
The account allocating means selects the first number range or the second number range according to the order type of the received product etc., and allocates an arbitrary one-time account within the selected number range. A payment processing system characterized by The payment processing system according to claim 2,
The bank server is
In order to cause the display server to display one-time account information indicating which transfer condition among the transfer conditions A to D is set for each one-time account in the predetermined number range. Account information transmitting means for transmitting to,
A transfer condition setting instruction indicating which of the transfer conditions A to D should be used to set each one-time account from the provider server is received, and each one-time account is received according to the accepted transfer condition setting instruction. A payment processing system, further comprising: an account setting means for setting an account. The payment processing system according to claim 1,
The provider server further includes a transmission means for transmitting the account information and the payment amount to the bank server,
The bank server further includes an account setting means for setting a one-time account corresponding to the account information received from the provider server so that a deposit process is performed only for a deposit request equal to the payment amount. A payment processing system characterized by that. A provider server possessed by a provider of products or the like that provides products or services to the user (hereinafter referred to as “products”) and the provider server can communicate with the provider server via a communication line, and the provider's account is opened. A payment processing method for processing payment from the user to the provider, wherein the payment processing method is executed by a bank server,
The bank server is one that allows the provider to use a one-time account in a predetermined number range and stores account data of the provider's account,
This method
The provider server is
An account assignment step for assigning an arbitrary one-time account within the predetermined number range for each payment for payment for provision of the product etc. by the user;
An order information storage step for storing and storing, for each payment, payment information in which the payment amount of the payment, the account information of the allocated one-time account, and the user are associated;
And
The bank server is
A deposit processing step of performing a deposit process to the one-time account by the user;
A transfer processing step of transferring the deposit amount to the one-time account to the provider's account;
Performing a one-time account deposit amount information uploading step of uploading the deposit amount to the one-time account by the user to a predetermined URL;
In this method, the provider server further corresponds to the one-time account in which the deposit amount is uploaded to the URL in the one-time account deposit amount information upload step among the order information stored in the order information storage step. For the order information, an order information organizing step is performed for storing and storing that the corresponding order information is paid when the deposit amount matches the payment amount or the deposit amount is larger than the payment amount. A payment processing method characterized by. The payment processing method according to claim 5,
The bank server transfers each one-time account with a transfer condition A that no longer accepts a transfer for a predetermined transfer stop period once the transfer is made, a transfer condition B that no longer accepts a transfer after a predetermined transfer period, and a predetermined transfer It can be set to any of the transfer condition C for accepting only the received amount, and the transfer stop period, the transfer period, and the transfer condition D for not providing the transfer received amount,
In the bank server, the first number range among the predetermined number ranges is set as the first transfer condition using the transfer conditions A to D, and the second number out of the predetermined number ranges. The number range uses the transfer conditions A to D, and is set with a second transfer condition different from the first transfer condition,
In the account assignment step, the first number range or the second number range is selected according to the order type of the received product etc., and an arbitrary one-time account is assigned within the selected number range. A payment processing method characterized by. The payment processing method according to claim 6,
The bank server is
In order to cause the display server to display one-time account information indicating which transfer condition among the transfer conditions A to D is set for each one-time account in the predetermined number range. Sending account information to
A transfer condition setting instruction indicating which of the transfer conditions A to D should be used to set each one-time account from the provider server is received, and each one-time account is received according to the accepted transfer condition setting instruction. An account setting process for setting an account is further performed. The payment processing method according to claim 5,
The provider server further performs a transmitting step of transmitting the account information and the payment amount to the bank server,
An account setting step in which the bank server sets the one-time account corresponding to the account information received from the provider server so that the deposit process is performed only for the deposit request having the same deposit amount as the payment amount. A payment processing method characterized in that it is performed.

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