JP2015035127A - Credit card settlement work system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a credit card settlement work system converting payments to a plurality of payees into a payment by electronic money and collectively performing the payments by a single credit card settlement for improving convenience of users and work efficiency of a management company.SOLUTION: The credit card settlement work system, in an online settlement using the Internet, includes: settlement requirement reception means that receives, from user terminals, credit card settlement requirements for simultaneous settlement to a plurality of clients; means for connecting the user terminals to pre-registered electronic money payment systems; and transaction information storage means that receives identification information related to the transaction from the electronic money payment systems, associates the identification information with a payment price related to the transaction, and stores it in a database as transaction information on each user.

Description

  The present invention relates to a credit card settlement business system using a computer network. More specifically, the present invention relates to a credit card settlement by a server having an online settlement means for performing a commercial transaction by connecting to a user terminal and an electronic money payment system via the Internet. Regarding business systems.

In recent years, commercial transactions using computer networks such as the Internet have been actively performed. In such a commercial transaction, a settlement method using a credit card is often used because of its ease of procedure.
The payment procedure using a credit card using the Internet is usually performed by the user entering a credit card number, an expiration date, etc. on a Web page of a credit card member store that is a provider of goods or services. A credit card member store obtains credit card credit through a credit card company and requests settlement processing.

On the other hand, when renting contracts for trunk rooms, rental apartments, etc., multiple related parties such as rental property owners, rental property management companies, insurance companies, etc. are involved. When paying with a credit card on the page, there is a problem that online payment is individually required with a plurality of payees, and the procedure becomes complicated.
In addition, a rental property management company that collects rent, insurance premiums, etc. has a problem in that it requires labor and costs for payment and non-payment management.

As a conventional system for supporting the rent collection operation of real estate properties, for example, “rent collection support system and method for rental real estate properties” disclosed in Patent Document 1 can be cited.
FIG. 7 is a configuration diagram of a conventional rent collection support system for rental real estate properties disclosed in FIG. 1 in Patent Document 1, and this system is a rent collection system using a credit card and issuance of a credit card While exempting borrowers (= users) who may be eligible, the rent (= price) settlement of rental real estate properties with a credit card will be obligatory, and the lease deposit (= owner) of rental real estate properties will be obligated. Instead, a predetermined guarantee is given by a credit card issuer (= credit card company), and payment of a collection agency fee is obligatory.

As shown in FIG. 7, the rental property broker (= real estate brokerage company) 100 concludes a brokerage agreement (0) between the lender 105 and the rental property, and a credit card rent collection contract with the credit card issuer 103. (0) 'is fastened.
When the borrower 107 makes a rental application (1) at the store of the rental real estate broker 100, the rental real estate broker 100 qualifies as the borrower for the credit card issuer 103 on condition that the rent is paid by credit card. Request a credit review that also serves as a review (2).

If the examination result (4) of the examination (3) is OK, the rental property broker 100 concludes a lease contract (5) ′ based on a normal lease agreement between the lender 105 and the borrower 107.
Further, the borrower 107 and the credit card issuer 103 conclude a payment entrustment contract (5), and the credit card issuer 103 collects the rent from the borrower 107 and collects the rent collected by the rental real estate broker 100. pay.
If the credit card issuer 103 cannot collect rent from the borrower 107 and rent is delinquent, a payment guarantee for a predetermined month is given to the rental real estate broker 100 according to the credit status of the card. Do it.
Also, the rental real estate broker 100 pays the credit card issuer 103 a predetermined percentage of the collected rent.

However, the system disclosed in Patent Document 1 is a rent collection business support system that collects rent of rental real estate properties using a price collection mechanism provided in the credit card issuer. Credit cards that can be used between a real estate agent or a real estate management company that is actually entrusted with rental property management from the landlord and the credit card issuer are limited to one company.
Moreover, since the procedure relating to the credit card processing is performed through a rental real estate broker or a real estate management company, there is a problem in that it is inefficient and inconvenient for residents and lacks serviceability.

International Publication No. 01/54013 Pamphlet

  The present invention has been made in view of the above-described conventional problems, and an object of the present invention is to provide a plurality of payments when payments to a plurality of business partners occur in a rent storage operation of a rental property. It is an object of the present invention to provide a simple and efficient credit card settlement business system in which both the borrower and business owner can complete a single credit card settlement in a lump.

  The credit card settlement business system according to an aspect of the present invention made to achieve the above object includes at least a database and is connected to a user terminal and an electronic money payment system via a communication network to perform online transaction means A credit card settlement business system using a server having a settlement request accepting unit for accepting a credit card settlement request for simultaneously paying a payment to a plurality of business partners from the user terminal, and the user Means for connecting a terminal to the electronic money payment system registered in advance, identification information relating to the transaction from the electronic money payment system, and associating the identification information with a payment price relating to the transaction, Transaction information stored in the database as And a storage means, the electronic money payment system converts the payment of a plurality of users to pay by electronic money, characterized in that it comprises means for payment in advance registered accounts.

  The database includes an account database for storing customer account information including transaction information of each user and purchase information of electronic money paid to a plurality of suppliers, and the server controls connection with an external network. Communication means for creating payment data by associating the user with electronic money purchase information paid to a plurality of business partners based on the transaction information of the user, and sending the payment data to the communication means The service processing means for transmitting to the user terminal is included.

  The service processing means, a means for searching for a payment target customer account registered in the account database, and a payment amount to the payment target customer account based on the transaction information of the user, Means for creating payment data processing for collectively purchasing electronic money corresponding to the total amount from the electronic money payment system, and saving the settlement result of the purchase of the electronic money in an account database, and the payment to the user terminal Means for transmitting the result via the communication network.

  The credit card payment service system according to another aspect of the present invention made to achieve the above object includes at least a database, and is connected to a user terminal and an electronic money payment system via a communication network for online transaction. A credit card settlement business system using a server having a means for purchasing electronic money of a user connected to the electronic money payment system and stored in a database in advance on a predetermined date for each predetermined month Means for automatically transmitting a request; receiving identification information and a settlement result relating to the transaction from the electronic money payment system; associating the identification information with a payment price relating to the transaction; Transaction information storage means for storing, and the received settlement result as the user Means for transmitting to the end and a pre-designated notification destination via the communication network, and the electronic money payment system converts a plurality of user payments into electronic money payments and is registered in advance A means for depositing into an account is provided.

  The database includes an account database including customer account information that stores payment information according to transaction information of each user and a settlement result with the electronic money payment system, and the server includes transaction information of the user. Transaction data storage means for creating payment data for electronic money purchase corresponding to the sum of monthly charges paid to the user and at least one business based on the user, and storing the data in the database; Is further included.

  According to the present invention, a user can purchase electronic money for payment to a plurality of business partners in a single credit card settlement and execute payment using the electronic money. The labor for executing credit card settlement for each business partner can be reduced. In addition, since the user can make payment settlement online from the user terminal, it is not necessary to prepare a request form for bank account transfer and the procedure can be simplified. On the other hand, a rent storage agency such as a real estate management company can easily manage because payment information from users is unified, and can reduce paperwork caused by inadequate transfer procedures.

1 is a block diagram showing an overall configuration of a credit card payment system using the Internet according to an embodiment of the present invention. It is the schematic which shows each structure of the user terminal shown in FIG. 1, a payment assistance system, and an electronic money payment system. It is a block diagram which shows an example of the account database of the payment assistance system shown in FIG. It is a flowchart which shows the operation | movement at the time of online payment in the credit card payment business system by one Embodiment of this invention. It is a functional block block diagram of the service processing means of the payment assistance system shown in FIG. It is a figure explaining the flow of the payment process by the service processing means shown in FIG. It is a block diagram of the conventional rent collection business support system.

  Hereinafter, specific examples of embodiments for carrying out the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a block diagram showing the overall configuration of a credit card settlement business system using the Internet according to an embodiment of the present invention. In this embodiment, for example, on the Internet 5, the user terminal 10 of the user 1, the payment support system 20 of the credit card payment support company 2, the electronic money payment system 30 of the electronic money business company 3, and the server computer of the credit company 4 40 is connected, and the user 1 uses the credit card settlement support service provided by the credit card settlement support company 3 via the Internet, and the credit card issued by the predetermined credit card company 4 from the electronic money business company 3 Purchase electronic money and use electronic money to settle payment for rent, insurance premiums, etc.

  FIG. 2 is a schematic diagram showing configurations of the user terminal 10, the payment support system 20 of the credit card payment support company, and the electronic money payment system 30 shown in FIG.

  The user terminal 10 is a terminal computer used as an information device that the user 1 can connect to the Internet (having browsing software such as a modem, a terminal adapter, communication software, and a Web browser). As shown in the figure, the user terminal 10 includes a CPU 11, a storage device 12, an input device 13 such as a keyboard and a mouse, a display device 14 such as a display, and a server computer such as a credit card payment support company via the Internet. A communication device 15 that communicates with each other and an interface 16 for transmitting and receiving data between the above-described components. The storage device 12 includes communication software, browsing software such as a web browser, history information, and personal information. Etc. are stored, and the CPU 11 cooperates with various devices and executes these software to perform each function.

  The payment support system 20 of the credit card payment support company 2 includes at least a service processing server 21, a database 22, and a network communication device 23.

  The service processing server 21 has a Web server function, accepts a service request from the user terminal 10 as a payment request accepting unit, and relates to a service according to a user request in cooperation with the database 22 and the network communication device 23. Execute the process. Details of processing related to this service will be described later. In addition, since it is realizable with a general computer system about a specific control apparatus and a peripheral device, the description is abbreviate | omitted.

The database 22 includes an account database 24 and a user registration table 25, and constitutes transaction information storage means for storing in the account database 24 or updating stored data in response to a request from the service processing server 21. To do.
In the account database 24, for example, as shown in FIG. 3, a user transaction information file for storing a payee for each user and a settlement result, and a supplier business handled by the settlement support system 20 (hereinafter referred to as a supplier). A customer account that stores the deposit information.
In addition, the user's personal information, borrowing information (property, rent, contract company, etc.) and usage approval number are stored in the user registration table 25.

  The network communication device 23 includes a LAN (Local Area Network) connected to the service processing server 21 and the database 22 in the payment support system 20, and performs connection with an external network (such as an electronic money payment system).

  The electronic money payment system 30 of the electronic money business company 3 includes a Web server 31 that displays a service reception Web page, an order management server 32, and a customer database 33.

Next, the operation of the credit card settlement business system will be described.
FIG. 4 is a flowchart showing the operation at the time of online payment in the credit card payment business system according to one embodiment of the present invention, and shows the flow of online payment by the user using the Internet.

  In this embodiment, a user who performs online payment using a credit card concludes a credit card usage contract with a credit card company designated in advance in accordance with the rental contract. At this time, if a user authentication means is established, the purchase procedure described later can be smoothly advanced.

  Credit card payment is performed according to the following flow.

First, a user who has completed use registration of this system is notified in advance of a URL (Uniform Resource Locator) of an access destination to the payment support system by e-mail. The URL includes information specifying a user as an argument (parameter), and is provided as unique information for each user.
As shown in FIG. 4, the user connects the user terminal 10 to the service processing server 21 of the payment support system of the credit card payment support company using the URL information. Based on the information specifying the user included in the URL, the service processing server 21 searches the database 22 for information including the corresponding user information and the payment amount, and generates the web page 201. A web page 201 is displayed. A confirmation button is displayed on the web page together with the settlement information, and when the user clicks the confirmation button, the user terminal 10 connects to the web server 31 provided by the electronic money business company designated by the credit card settlement support company. Then, the service reception Web page 302 is displayed on the user terminal 10.
In other words, the user terminal can be connected to a pre-registered electronic money payment system by the above means.

  The credit card settlement support company's web page 201 is linked to the service reception web page 302 of the electronic money business company's web server 31, and is sent from the credit card settlement support company's service processing server 21 at this time. The Web server 31 of the electronic money business company is notified of the purchased user information, the electronic money purchase amount corresponding to the payment amount, and the payee account information of the purchased electronic money. This can be passed from a user terminal to a Web server of an electronic money business company as a parameter of link information by a hyperlink function of an Internet application, for example. It is desirable that such parameter information is encrypted and notified.

  The electronic money business company displays the received amount and the credit card payment support company name of the payee on the service reception Web page 302, and performs the electronic money purchase payment procedure for the user. Specifically, the user is prompted to enter a credit card number and expiration date, security code, holder, e-mail address, telephone number, and the like.

The Web server 31 of the electronic money business company that receives the input of the credit card number and the expiration date, the security code, the holder, the e-mail address, and the telephone number as the electronic money purchase settlement information performs the processing of the electronic money. Here, the electronic money purchased by the user is deposited into a storage account (not shown) of the credit card settlement support company. The information for specifying the user is delivered to the Web server 31 as a parameter. However, as another embodiment, the user may be specified with reference to a customer database 33 registered in advance.
In addition, payment by electronic money from a plurality of users is similarly deposited into the above-mentioned storage account registered in advance.

  In addition, the Web server 31 of the electronic money business company displays a purchase determination page 303 including the usage amount and the purchase determination button on the user terminal 10 and prompts the user to click the purchase determination button.

  Note that electronic money purchase by online payment is performed on an electronic money payment system of an electronic money business company linked to a payment support system.

  The user clicks a purchase decision button to purchase electronic money from the electronic money business company. Of course, you can also cancel the purchase procedure by clicking the cancel button.

  As a result, when it is inconvenient to make a payment, such as when credit card company credit is not obtained, the electronic money business company Web server 31 informs the user terminal 10 and the credit card payment support company of that fact. The service processing server 21 is notified and the purchase procedure is canceled.

  The Web server 31 of the electronic money business company that has accepted the click of the purchase decision button from the user notifies the order management server 32, and the order management server 32 issues an identification code related to the commercial transaction (S204), and the customer database. 33. Then, the identification code is notified to the service processing server 21 of the credit card payment support provider via the Web server 31, and at the same time, the Web provided by the service processing server 21 of the credit card payment support provider is again provided by the link function. The page is displayed on the user terminal 10.

  Here, the identification code is information for specifying the user and the purchase amount (use amount) in this purchase procedure, and must be unique until at least the electronic money purchase settlement result reaches the user's hand. . For this reason, the Web server 31 of the electronic money business company can specify the user involved in the commercial transaction based on the identification code. Further, the identification code is notified to the service processing server 21 of the credit card settlement support provider, so that the credit card settlement support provider's service processing server 21 can obtain credit card credit and the purchase contract is established. I can know that. Of course, the Web server 31 of the electronic money business company may separately transmit information indicating that the contract has been established to the service processing server 21 of the credit card settlement support business operator.

  Upon receiving the identification code, the service processing server 21 of the credit card settlement support business operator stores the electronic money purchase settlement result in the account database 24, and also provides a notification destination predetermined within the rental business such as a rental property management company. And the settlement result including the usage amount is notified to the user.

  The electronic money business company charges the credit card company for payment, the credit card company pays for it, and the process of withdrawing the usage amount from the user's contract account is the same as the conventional credit card settlement. is there.

  Next, service processing means provided in the payment support system of the credit card payment support company, which is the main part of the credit card payment service system of the present invention, will be described with reference to FIG. As shown in FIG. 5, the service processing means includes a user service unit 71, service processing unit 72, account data management unit 73, account database 24, and network communication device 23.

  The user service unit 71 is implemented by the service processing server 21 and accepts a predetermined service request from the user terminal 10. The service processing unit 72 is embodied by the service processing server 21 and instructs the account data management unit 73 to move payment data between predetermined accounts in response to a service request received by the user service unit 71. The account data management unit 73 is embodied by the database 22 and performs processing such as increase or decrease in the amount of money in a predetermined account in accordance with an instruction from the service processing unit 72. The network communication unit 74 is implemented by the network communication device 23 and is used for transaction processing with the electronic money payment system.

  Next, the function of the service processing means will be described according to the contents of the service provided to the user.

(A) Electronic money purchase service In the electronic money purchase service, payment amounts to a plurality of business partners to be paid based on user transaction information stored in the user registration table 25 are equivalent to the total amount. Electronic money purchase data to be created is created and stored in a user transaction information file in the account database 24. In response to the payment request from the user, the electronic money purchase data is transmitted to the user terminal 10 and the electronic money purchase is executed according to the online payment flow described above. In addition, a purchase settlement result from a predetermined electronic money payment system is received and stored in a user transaction information file. At this time, the actual electronic money purchased by a plurality of users with a credit card may be deposited into a storage account in the name of the credit card settlement support company.

(B) Electronic money settlement agency service In the electronic money settlement agency service, the electronic money purchased by the electronic money purchasing service is distributed to the account of each business partner based on the user transaction information stored in the account database 24, and payment is made. To do. The deposit here is a record update on the data, and each customer account on the account database 24 is recorded with an amount of money accumulated by each user's usage fee. Thereafter, the payment is made on behalf of the credit card settlement support company by transferring the cash from the credit card settlement support company to the financial institution designated by each business partner.

  Next, the payment process, which is the main process of the service processing means, is illustrated in the case where, for example, the user 1 pays rent equivalent to 5000 yen to the leasing company B and the insurance fee equivalent to 10,000 yen to the insurer C. This will be described with reference to FIG.

First, for each user, the payment amount for each rental company B and insurer C, which is a business partner predetermined by the rental contract, is registered in the user registration table 25. At this time, an account (file) is set for each business partner, and a corresponding electronic money payment amount is set for each account. In addition, in order to purchase electronic money corresponding to the total payment amount to a plurality of customer accounts with a credit card, the service processing unit 72 creates data necessary for electronic money purchase and stores it in the account database 24. . Furthermore, registration and setting are similarly performed for monthly flat-rate billing. The series of data processing is automatically generated by a dedicated program.
At the time of the first payment, the service processing unit 72 automatically generates a payment request mail addressed to the user based on the input information and transmits it from the network communication unit 74 to the user terminal 10. At this time, URL information including the payment information of the user is posted in the payment request mail.

  Next, for example, when the user 1 accesses the service processing server of the payment support system from the user terminal 10 via the Internet, as described with reference to FIG. 4, the electronic money purchase destination preset by the link is used. Payment information is automatically distributed from a user service unit 71 to a certain electronic money business company 3, and when a confirmation button on the screen is pressed, the web server 31 of the linked electronic money business company is connected. At this time, the Web server 31 of the electronic money business company searches the customer database 33 based on the received payment information, generates a service reception Web page, and displays the service reception Web page 302 on the user terminal 10. On the service reception Web page 302 of the electronic money business company, an input screen for the payment amount (15000 yen), a credit card number used for payment, an expiration date, a security code, a holder, an e-mail address, and a telephone number is displayed. The The user 1 inputs a credit card number, an expiration date, a security code, a right holder, an e-mail address, and a telephone number from the service reception Web page 302 displayed on the user terminal 10. When necessary information is input, the Web server 31 of the electronic money business company generates a purchase decision Web page 303 and displays it on the user terminal 10. A purchase button is displayed on the purchase decision Web page 303 together with the input credit card information. When the user clicks the send button, electronic money purchase is settled.

  Next, the monthly payment that is automatically performed will be described with reference to FIG. 6 by taking as an example the case where the user 1 pays the rental company B a monthly rent equivalent to 5000 yen.

  In the monthly payment, the user service unit 71 notifies the service processing unit 72 of a payment request when a scheduled payment date determined in advance by a scheduler (not shown) arrives. The service processing unit 72 responds to the payment request notified from the user service unit 71, for example, based on the payment account information of the user 1 specified by the identification information included in the payment request. The account data management unit 73 is notified to pay the next rent.

  In response to this notification, the account data management unit 73 sends the fee of 5000 yen from the user account P1 of the user 1 to the customer account (in this case, the account of the business operator B) used for the target payment. A process of replacement is performed, and the service processing unit 72 is notified to purchase the corresponding electronic money of 5000 yen.

The service processing unit 72 transmits the electronic money purchase instruction for 5000 yen received from the account data management unit 73 to the electronic money business company 3 via the network communication unit 74 together with information specifying the user 1, for example. Thereby, it is possible to purchase the electronic money for the rental business B using the credit card settlement funds of the user 1 and perform payment. In this case, the electronic money purchased by the user is deposited in the storage account of the credit card settlement support company, and the service processing unit 72 distributes it as payment data corresponding to the customer account to be paid. It is possible to make payments to a plurality of customer accounts even if no account is designated.
The settlement result notification is received from the server of the electronic money business company via the network communication unit 74 and is stored in the account database 24, and a flag such as a reminder is set if necessary according to the result. Can be sent to the user terminal 10 by e-mail.
Note that the above-described monthly payment is similarly implemented for a plurality of users, and the payment by electronic money is deposited in the above-mentioned storage account registered in advance.

  As described above, according to the present invention, in online payment using the Internet, payment amounts to a plurality of payees are totaled based on user transaction information registered in advance, and electronic money corresponding to the total amount is obtained. Means for creating payment data for purchasing by credit card in a lump, means for connecting the user terminal to the electronic money payment system registered in advance, and identification information relating to the transaction from the electronic money payment system Transaction information storage means for associating the identification information with a payment price related to the transaction and storing the transaction information in the database as user transaction information. Credit card settlement business system with means to convert to payment by money and deposit into a pre-registered account Using, by the execution instruction from the user, it will allow the credit card settlement.

DESCRIPTION OF SYMBOLS 10 User terminal 21 Service processing server 22 Database 23 Network communication apparatus 24 Account database 31 Web server 71 User service part 72 Service processing part 73 Account data management part 74 Network communication part 201 Payment content confirmation web page 302 Service reception web page

Claims (5)

A credit card payment business system including a server having an online payment means for performing a commercial transaction by connecting to a user terminal and an electronic money payment system via a communication network, including at least a database,
The server
A payment request receiving means for receiving a credit card payment request for simultaneously paying a payment for a plurality of business partners from the user terminal;
Means for connecting the user terminal to the electronic money payment system registered in advance;
Transaction information storage means for receiving identification information related to the transaction from the electronic money payment system, associating the identification information with a payment price related to the transaction, and storing the transaction information as user transaction information in the database;
The electronic money payment system includes a means for converting a plurality of users' payments into electronic money payments and depositing them in a pre-registered account. The database includes an account database that stores customer account information including transaction information of each user and purchase information of electronic money paid to a plurality of customers.
The server
Including communication means for controlling a connection with an external network;
Creating payment data by associating the user with purchase information of electronic money paid to a plurality of business partners based on the transaction information of the user, and transmitting the payment data to the user terminal by the communication means The credit card settlement business system according to claim 1, further comprising service processing means. The service processing means includes:
Means for searching for a trading partner account registered in the account database;
Means for calculating payment data for collectively purchasing electronic money corresponding to the total amount from the electronic money payment system based on the transaction information of the user, totaling the payment amount to the customer account to be paid; ,
Means for storing the settlement result of the electronic money purchase in the account database and transmitting the settlement result to the user terminal via the communication network;
The credit card settlement business system according to claim 2, further comprising: A credit card payment business system including a server having an online payment means for performing a commercial transaction by connecting to a user terminal and an electronic money payment system via a communication network, including at least a database,
The server
Means for automatically transmitting a user's electronic money purchase request stored in a database in advance by connecting to the electronic money payment system on a predetermined date of each predetermined month;
Transaction information storage means for receiving identification information and settlement results relating to the transaction from the electronic money payment system, associating the identification information with a payment price relating to the transaction, and storing the transaction information in the database as user transaction information;
Means for transmitting the received settlement result to the user terminal and a pre-designated notification destination via the communication network,
The electronic money payment system comprises a means for converting a plurality of users' payments into electronic money payments and depositing them in a pre-registered account. The database includes an account database including customer account information that stores transaction information of each user and payment data corresponding to a settlement result of the electronic money payment system,
The server
Create payment data for electronic money purchase corresponding to the sum of monthly payments paid to the user and at least one business partner based on the user transaction information, and store in the database Transaction information storage means,
The credit card settlement business system according to claim 4, further comprising:

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