JP2018072918A - Settlement device and settlement method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a technique allowing a person who is not a credit card contractor and who does not have a credit card medium pertaining to the credit card contract to use a credit card function of the contractor safely and easily to request proxy settlement from a prescribed person.SOLUTION: A settlement device includes: a commodity-of-interest registration unit that accepts and registers a registration of a commodity of interest from a demander who is interested in the purchasing thereof; a proxy payment request processing unit that accepts a request for proxy payment regarding the commodity of interest; and a proxy payment approval/denial processing unit that performs a settlement process on the basis of a credit card contract of a predetermined proxy payer, for the approved commodity of interest by inquiring about the approval/denial of the proxy payment to the proxy payer on the basis of the request for the proxy payment.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a settlement apparatus and a settlement method.

  Payment using a credit card for acting as a payment by a credit card company has been widespread when giving and receiving money as consideration for providing various goods and services. Generally, in such payment, payment is performed by reading electronic information via a reading terminal with respect to a credit card that stores predetermined electronic information based on a credit card usage contract of the consumer of goods and services.

  Patent Document 1 discloses a proxy purchase method for purchasing and delivering a desired purchase item on behalf of a product purchaser, and a product purchaser who has registered as a member in advance with a proxy purchaser is a member from his terminal via a communication line. A step of transmitting product information including product identification information regarding the number and desired product to be purchased, a seller, and a product price to a server managed by the proxy purchaser, and a step of recording the received information in the order management database by the received server A procurement contractor registered as a member who wishes to contract for product procurement from the proxy purchaser accesses the server via a communication line from his / her terminal and requests transmission of a list of desired products for procurement, and a request The server that received the request extracts the necessary product from the order management database, and adds it to the product price sent by the product buyer without adding a fee. The procurement contractor who has viewed the screen displayed on the terminal of the procurement contractor who has received the procurement request product list and the step of creating and sending the requested product list displayed as the procurement cost to the requested terminal Upon receiving the information specifying the desired product, the procurement contractor's terminal sends the information to the server, and the server receiving the information specifying the desired product sends the information first. And transmitting the information indicating that the procurement work has been consigned to the terminal that has been completed, and simultaneously recording the fact that the consignment of the procurement work for the product has been completed in the order management database. It describes how to purchase.

JP2013-80358A

  The above technology involves the purchase of goods by the agent on behalf of the consumer of goods and services, but the payment is settled by the agent himself in consideration of the margin, and the consumer pays the merchandise from the agent by his / her own settlement. To buy. Therefore, the agent does not pay for the purchase of the product by the customer on behalf of the agent. Also, depending on the shopping site, there is a mechanism in which products of interest are registered and a third party pays for the purchase of some of them. However, it does not ask a specific person for proxy settlement, and has a public offering nature. For this reason, registering a product of interest cannot be said to actively ask someone else to pay for the product. In addition, when it is desired to request proxy settlement only from another person who has a trust relationship, it is not possible to limit proxy settlement.

  The object of the present invention is that a person who is not a credit card contractor and does not have a credit card medium related to the credit card contract can use the credit card function of the contractor in a safe and simple manner to represent a predetermined person. The object is to provide a technology capable of requesting settlement.

  The present application includes a plurality of means for solving at least a part of the above-described problems. Examples of such means are as follows. A payment apparatus according to an aspect of the present invention includes an interest product registration unit that receives and registers registration of a product of interest that is interested in purchase from a consumer, and a proxy payment request processing unit that receives a request for proxy payment related to the product of interest. And a proxy payment approval / disapproval processing unit that performs a settlement process based on the credit card contract of the proxy payer for the product of interest that is approved by inquiring the approval / disapproval of the proxy payment to a predetermined proxy payer based on the request for the proxy payment, It is characterized by providing.

  The settlement apparatus includes an alternative proposal processing unit that searches for a substitute product and makes a proposal when an alternative product proposal request is received in response to an inquiry from the proxy payment approval / disapproval processing unit. It may be.

  The settlement apparatus may further include a priority order setting unit that sets the priority order of the proxy payer, and the proxy payment approval / disapproval processing unit makes the proxy payment inquiry in the priority order. It may be a thing.

  Further, in the above-described settlement apparatus, the replacement proposal processing unit proposes an upper replacement product for each product of interest from at least products in the same category as the product of interest or products of the same manufacturer as the product of interest. It may be characterized by that.

  In the above-described settlement apparatus, the priority order setting unit may identify the proxy payer according to the priority order of the proxy payer associated in advance for each category of the product of interest. .

  Further, in the payment apparatus, the proxy payment approval / disapproval processing unit sequentially performs the proxy payment until all of the registered products of interest are purchased or an inquiry is made to each of the proxy payers associated in advance. It is also possible to make an inquiry to the payer.

  In the above settlement apparatus, the search condition for the substitute product may include an upper limit price of the purchased product.

  In the settlement apparatus, the search condition for the substitute product may include a quantity of purchased products.

  Moreover, in the payment method using the payment apparatus according to another aspect of the present invention, the payment apparatus includes a control unit and a storage unit, and the control unit is an interest product that is interested in purchase from a consumer. Product registration step for receiving registration of the product and registering in the storage unit, proxy payment request processing step for accepting a request for proxy payment related to the product of interest, and proxy payment to a predetermined proxy payer based on the request for proxy payment A proxy payment approval / disapproval processing step of performing settlement processing based on the credit card contract of the proxy payer with respect to the product of interest approved by inquiring for approval / disapproval.

  According to the present invention, a person other than a credit card contractor who does not have a credit card medium related to the credit card contract can use the contractor's credit card function safely and easily.

  Problems, configurations, and effects other than those described above will become apparent from the following description of embodiments.

It is a block diagram of the payment system concerning an embodiment. It is a figure which shows the data structure stored in an interested goods storage part. It is a figure which shows the data structure stored in a proxy payer memory | storage part. It is a figure which shows the data structure stored in a merchandise information storage part. It is a figure which shows the hardware structural example of a proxy payment apparatus. It is a figure which shows the hardware structural example of a buyer terminal. It is a figure which shows the hardware structural example of an internet purchasing apparatus. It is a figure which shows the flow of a proxy purchase process. It is a figure which shows the example of an interested goods input screen. It is a figure which shows the example of a proxy payer selection screen. It is a figure which shows the example of a proxy payer detailed setting screen. It is a figure which shows the example of a proxy purchase screen. It is a figure which shows the example of an alternative search screen. It is a figure which shows the example of an alternative goods message screen.

  Hereinafter, a settlement system 1 to which an embodiment according to an aspect of the present invention is applied will be described with reference to the drawings.

  In general, payment for the purchase of goods using a credit card is widespread, but due to the nature of the credit card, even if the product to be purchased is given to a person other than the credit card contractor, The person who is given a gift cannot be used. On the other hand, in such a case, a copy of a credit card called a family card can be issued and the payment of the purchase by the giftee can be delegated, but there is a risk in copying the family card For this reason, it is not appropriate to spread the duplicates even in a limited range.

  When the settlement system 1 according to the present embodiment is used, a person other than the credit card contractor who does not have the credit card medium related to the credit card contract uses the credit card function of the contractor safely and easily. be able to. In addition, the security against misuse of the credit card function is not impaired.

  FIG. 1 is a block diagram of a payment system 1 according to the present embodiment. The payment system 1 includes a proxy payment device 100, a purchaser terminal 200, a credit card contractor terminal 300, and a net purchase device 400.

  The purchaser terminal 200 is a terminal used by a purchaser who is not a credit card contractor but who has other contractors temporarily make a proxy settlement using the credit card function. Note that a mechanism in which a credit card contractor changes to another person and purchases using a credit card function may be referred to as proxy settlement in the present embodiment. The credit card contractor terminal 300 is connected to the proxy settlement apparatus 100 and the net purchasing apparatus 400 via the network 50 so as to be used by a party of a credit card contract related to the credit card. The net purchasing device 400 is owned by a person who receives payment for a product, etc., and performs processing related to money transfer related to product purchase such as payment of a product price and issuance of gift points accompanying the purchase. For example, the net purchasing device 400 is a server device of a web shop system.

  Note that the purchaser terminal 200 and the credit card contractor terminal 300 may be terminals such as smartphones that are held and used by customers regardless of the credit card.

  The network 50 is a communication network such as a LAN (Local Area Network), a WAN (Wide Area Network), the Internet, and a mobile phone network. The network 50 may be a VPN (Virtual Private Network) or the like on a wireless communication network such as a mobile phone communication network.

  Proxy payment device 100 is a so-called server device. However, the present invention is not limited to this, and the proxy settlement apparatus 100 may be various information processing apparatuses such as a personal computer, a smartphone, a workstation, a PDA (Personal Data Assistant), and a tablet device.

  The proxy settlement apparatus 100 receives a request for proxy settlement including designation of a proxy settlement by the credit card function from the purchaser terminal 200 via the network 50. In addition, the proxy settlement apparatus 100 notifies the credit card contractor terminal 300 of proxy settlement via the network 50. The proxy settlement apparatus 100 accepts an alternative proposal request from the credit card contractor terminal 300. In addition, the proxy settlement apparatus 100 receives detailed settings of the proxy settlement party from the purchaser terminal 200.

  The purchaser terminal 200 and the credit card contractor terminal 300 are terminals such as personal computers and tablet devices, for example. However, the present invention is not limited to this, and each device may be various information processing devices such as a smartphone, a workstation, and a PDA.

  When the purchaser terminal 200 and the credit card contractor terminal 300 receive an instruction to display and output a predetermined screen from the proxy settlement apparatus 100 via the network 50, the purchaser terminal 200 and the credit card contractor terminal 300 perform output processing. In addition, the purchaser terminal 200 and the credit card contractor terminal 300 receive input information received from an input device or the like provided in the device itself to the proxy settlement device 100 or the net purchase device 400 via the network 50. Send.

  The net purchasing device 400 transmits a processing screen related to product purchase to the purchaser terminal 200 or the credit card contractor terminal 300. In addition, the net purchasing apparatus 400 performs a settlement process related to the purchase of merchandise. Further, the net purchasing device 400 delegates the processing to the proxy settlement device 100 when the settlement processing related to the purchase of the product is proxy settlement.

  Proxy settlement apparatus 100 includes a control unit 110, a storage unit 120, and a communication unit 130. The control unit 110 includes an interest product registration unit 111, a proxy payment request processing unit 112, a proxy payment approval / disapproval processing unit 113, an alternative proposal processing unit 114, and a priority order setting unit 115.

  The product-of-interest registration unit 111 accepts registration of products of interest that are interested in purchase from the consumer. Specifically, the interested product registration unit 111 performs registration processing of products that are not purchased but have a possibility of purchase, that is, products that are interested in purchase, when purchasing online. For example, the product-of-interest registration unit 111 receives information such as a product of interest from the purchaser terminal 200 and registers it in the product-of-interest storage unit 121 described later in the storage unit 120.

  The proxy payment request processing unit 112 receives a request for proxy payment related to the product of interest. Specifically, the proxy payment request processing unit 112 receives a request to use proxy payment when purchasing a product of interest during or after registration of the product of interest. The proxy payment request processing unit 112 controls processing related to proxy payment.

  The proxy payment approval / disapproval processing unit 113 performs settlement processing based on the credit card contract of the proxy payer for the product of interest approved by inquiring the approval / rejection of proxy payment to a predetermined proxy payer based on the request for proxy payment. The proxy payment approval / rejection processing unit 113 inquires the proxy payer in order until all of the registered products of interest are purchased or until the inquiry of each of the proxy payers associated in advance is completed.

  When the substitute proposal processing unit 114 accepts a substitute product proposal request in response to the inquiry from the proxy payment approval / disapproval processing unit 113, the substitute proposal processing unit 114 searches for a substitute product and makes a proposal. In the process, the alternative proposal processing unit 114 proposes an alternative product for each product of interest from at least products in the same category as the product of interest or products of the same manufacturer as the product of interest. Further, the alternative proposal processing unit 114 accepts designation of the upper limit price of the purchased product and the quantity of the purchased product as alternative product search conditions, and searches for an alternative product within the range.

  The priority order setting unit 115 sets the priority order of proxy payers. More specifically, the priority order setting unit 115 identifies the proxy payer according to the priority order of the proxy payer associated in advance for each category of the product of interest. When the priority order setting unit 115 sets the priority order, the proxy payment acceptance / rejection processing unit 113 performs proxy payment inquiries in the priority order.

  The storage unit 120 includes an interest product storage unit 121 and a proxy payer storage unit 122.

  FIG. 2 is a diagram illustrating a data structure stored in the interested product storage unit 121. In the interested product storage unit 121, for each customer identifier 121A that identifies a customer who is a purchaser or a prospective purchaser, a product identifier 121B that identifies a product of interest, a product name 121C of the product, and a color 121D of the product A manufacturer 121E of the product, a prevailing price 121F of the product, and a proxy settlement target 121G that specifies a target person to perform the proxy settlement when there is a designation of a target to perform the proxy settlement in the case of proxy purchase of the product; A quantity 121H desired to be purchased and a product 121J to be replaced when a replacement product is proposed are stored in association with each other.

  FIG. 3 is a diagram illustrating a data structure stored in the proxy payer storage unit 122. In the proxy payer storage unit 122, for each customer identifier 122A for identifying a customer who is a purchaser or a prospective purchaser, a proxy payer identifier 122B, a proxy payer name 122C, and a basic priority of proxy payment are provided. A certain priority 122D, a first priority category 122E for specifying the category of the product to be paid in the highest priority when the proxy payer substitutes, and a proxy payment target to be given priority in the next point when the proxy payer is substituted A second priority category 122F that identifies the category of the product of the product, a third priority category 122G that identifies the category of the product to be paid in the third priority when the proxy payer is acting, and a notification to the proxy payer An e-mail address 122H for performing is stored in association with each other.

  The communication unit 130 communicates with the purchaser terminal 200, the credit card contractor terminal 300, and the net purchase device 400 that are other devices via the network 50.

  The purchaser terminal 200 includes a display unit 210, an input receiving unit 220, a communication unit 230, and a browser processing unit 240. When the display unit 210 receives screen information of a predetermined format instructed to be displayed from the net purchasing device 400 and the proxy settlement device 100 from the communication unit 230, the display unit 210 renders the screen information on the display device. The input reception unit 220 receives an input instruction from an operator of the purchaser terminal 200, for example, a person who requests proxy payment, and transmits the input instruction to the proxy payment device 100. The communication unit 230 communicates with the proxy settlement apparatus 100 and the net purchase apparatus 400 which are other apparatuses via the network 50.

  The browser processing unit 240 is a processing unit that implements a so-called Internet browser function that controls display of a Web page. The browser processing unit 240 realizes an Internet browser function by combining the display unit 210, the input receiving unit 220, and the communication unit 230.

  The credit card contractor terminal 300 includes a display unit 310, an input receiving unit 320, a communication unit 330, and a browser processing unit 340. When the display unit 310 receives screen information of a predetermined format instructed to be displayed from the proxy settlement apparatus 100 or the net purchasing apparatus 400 from the communication unit 330, the display unit 310 renders the information on the display device. The input reception unit 320 receives an input instruction from an operator of the credit card contractor terminal 300, for example, a person who receives a proxy payment request, and transmits the input instruction to the proxy payment apparatus 100 or the net purchasing apparatus 400. The communication unit 330 communicates with the proxy settlement apparatus 100 or the net purchase apparatus 400 that is another apparatus via the network 50.

  The browser processing unit 340 is a processing unit that implements a so-called Internet browser function that controls display of a Web page. The browser processing unit 340 realizes an Internet browser function by combining the display unit 310, the input receiving unit 320, and the communication unit 330.

  The net purchasing device 400 includes a control unit 410, a storage unit 420, and a communication unit 430. The control unit 410 includes a purchase processing unit 411 and a payment processing unit 412.

  The purchase processing unit 411 searches for products to be purchased in accordance with search conditions, presents a screen of a list page or detailed information of a product, a screen such as a dedicated application, and manages various items such as managing product purchases based on product selection. Realize the function. Specifically, when the purchase processing unit 411 receives the purchase target product identifier, the purchase processing unit 411 reads the detailed information of the purchase target product from the product information storage unit 421 and performs purchase such as so-called cart insertion and removal for specifying the purchase target product. Various management related to. In the processing, the purchase processing unit 411 identifies the transaction to be settled and the transaction to be the proxy settlement, and causes the settlement processing unit 412 to perform the settlement process for the product to be settled, so that the proxy settlement For the target product, the payment processing is transferred to the proxy payment device 100.

  The settlement processing unit 412 performs settlement by any of various known methods such as cash settlement, credit card settlement, and point card settlement.

  The storage unit 420 includes a product information storage unit 421.

  FIG. 4 is a diagram illustrating a data structure stored in the product information storage unit 421. In the product information storage unit 421, for each product identifier 421A for identifying a product, a product name 421B, a color 421C, a manufacturer 421D, a selling price 421E, a category 421F, and an evaluation 421G such as a word-of-mouth evaluation value of the product. Are stored in association with each other. The product name 421B, the color 421C, and the manufacturer 421D are information related to the name of the product and the color and the manufacturer of the product, respectively, when there is a base color that distinguishes the product. The selling price 421E is the actual selling price of the product. The category 421F is information for specifying the category of each product, and the evaluation 421G is an evaluation value based on the scoring accompanying the product review or the like.

  The communication unit 430 communicates with the purchaser terminal 200, the credit card contractor terminal 300, and the proxy settlement apparatus 100, which are other apparatuses, via the network 50.

  FIG. 5 is a diagram illustrating a hardware configuration example of the proxy settlement apparatus 100. The proxy settlement apparatus 100 includes an arithmetic device 101, a main storage device 102, an external storage device 103, a communication device 104, and a bus 105 that connects the devices. In addition, the proxy settlement apparatus 100 may include an input device.

  The arithmetic device 101 is an arithmetic device such as a CPU (Central Processing Unit).

  The main storage device 102 is a memory device such as a RAM (Random Access Memory).

  The external storage device 103 is a non-volatile storage device such as a so-called hard disk (Hard Disk Drive), SSD (Solid State Drive) or flash memory capable of storing digital information.

  The communication device 104 is a device such as a network card that establishes a communication path with other devices such as the purchaser terminal 200, the credit card contractor terminal 300, and the net purchase device 400 via the network 50 and transmits and receives information. .

  The input device is various input devices such as a keyboard, a mouse, and a touch panel.

  The input device, the arithmetic device 101, the main storage device 102, the external storage device 103, and the communication device 104 are connected to each other by a connecting conductor such as a bus 105.

  The interested product registration unit 111, the proxy payment request processing unit 112, the proxy payment approval / disapproval processing unit 113, the alternative proposal processing unit 114, and the priority order setting unit 115 of the proxy settlement apparatus 100 described above are processed by the arithmetic device 101. It is realized by a program that performs This program is stored in the main storage device 102, the external storage device 103, or a ROM device (not shown), loaded onto the main storage device 102 for execution, and executed by the arithmetic unit 101.

  The storage unit 120 of the proxy settlement apparatus 100 is realized by the main storage device 102 and the external storage device 103. In addition, the communication unit 130 of the proxy settlement apparatus 100 is realized by the communication apparatus 104. The above is the hardware configuration example of the proxy settlement apparatus 100.

  Each configuration of proxy settlement apparatus 100 can be classified into more components depending on the processing content. Moreover, it can also classify | categorize so that one component may perform more processes.

  In addition, each control unit (interested product registration unit 111, proxy payment request processing unit 112, proxy payment approval / disapproval processing unit 113, alternative proposal processing unit 114, priority order setting unit 115) is dedicated hardware for realizing each function. (ASIC, GPU, etc.) may be used. Further, the processing of each control unit may be executed by one hardware, or may be executed by a plurality of hardware.

  FIG. 6 is a diagram illustrating a hardware configuration example of the purchaser terminal 200. The purchaser terminal 200 includes an input device 201, an arithmetic device 202, an external storage device 203, a main storage device 204, an output device 205, a communication device 206, and a bus 207 that connects the devices.

  The input device 201 is various input devices such as a keyboard, a mouse, and a touch panel. The arithmetic device 202 is an arithmetic device such as a CPU. The external storage device 203 is a non-volatile storage device such as a so-called hard disk, SSD, or flash memory that can store digital information.

  The main storage device 204 is a memory device such as a RAM. The output device 205 is a display device such as a liquid crystal display or an organic EL display. The communication device 206 is a device such as a network card that establishes a communication path with other devices such as the proxy settlement device 100 via the network 50 and transmits and receives information.

  The input device 201, the arithmetic device 202, the external storage device 203, the main storage device 204, the output device 205, and the communication device 206 are connected to each other by a connecting conductor such as a bus 207.

  The display unit 210, the input receiving unit 220, and the browser processing unit 240 of the purchaser terminal 200 described above are realized by a program that causes the arithmetic device 202 to perform processing. The program is stored in the main storage device 204, the external storage device 203, or a ROM device (not shown), loaded onto the main storage device 204 for execution, and executed by the arithmetic device 202.

  In addition, the communication unit 230 of the purchaser terminal 200 is realized by the communication device 206. The above is the hardware configuration example of the purchaser terminal 200.

  Each configuration of the purchaser terminal 200 can be classified into more components according to the processing content. Moreover, it can also classify | categorize so that one component may perform more processes.

  Each control unit (display unit 210, input reception unit 220, communication unit 230, browser processing unit 240) may be constructed by hardware (ASIC, GPU, etc.). Further, the processing of each control unit may be executed by one hardware, or may be executed by a plurality of hardware.

  Note that the credit card contractor terminal 300 also has substantially the same hardware configuration as the purchaser terminal 200, and therefore the description thereof is omitted.

  FIG. 7 is a diagram illustrating a hardware configuration example of the net purchasing apparatus 400. The net purchasing device 400 includes an input device 401, an arithmetic device 402, a main storage device 403, an output device 404, a communication device 405, and a bus 407 that connects the devices.

  The input device 401 is various input devices such as a keyboard, a mouse, and a touch panel. The arithmetic device 402 is an arithmetic device such as a CPU. The main storage device 403 is a memory device such as a RAM. The output device 404 is a display device such as a liquid crystal display or an organic EL display. The communication device 405 is a device such as a network card that establishes a communication path with other devices such as the proxy settlement device 100 via the network 50 and transmits and receives information.

  The input device 401, the arithmetic device 402, the main storage device 403, the output device 404, and the communication device 405 are connected to each other by a connecting conductor such as a bus 407.

  The purchase processing unit 411 and the settlement processing unit 412 of the above-described net purchasing device 400 are realized by a program that causes the arithmetic device 402 to perform processing. This program is stored in the main storage device 403 or a ROM device (not shown), loaded onto the main storage device 403 for execution, and executed by the arithmetic unit 402. Further, the merchandise information storage unit 421 of the net purchasing device 400 is realized by being stored in the main storage device 403 or a ROM device (not shown).

  Further, the communication unit 430 of the net purchasing device 400 is realized by the communication device 405. The above is an example of the hardware configuration of the net purchasing apparatus 400.

  Each configuration of the online purchasing device 400 can be classified into more components according to the processing content. Moreover, it can also classify | categorize so that one component may perform more processes.

  Each control unit (purchase processing unit 411, payment processing unit 412) may be constructed by hardware (ASIC, GPU, etc.). Further, the processing of each control unit may be executed by one hardware, or may be executed by a plurality of hardware.

  Next, the operation of the payment system 1 in this embodiment will be described.

  FIG. 8 is a diagram showing a flow of proxy purchase processing. The proxy purchase process is started when a start instruction is received from the purchaser terminal 200 used by a person who desires proxy settlement, that is, a person who is not a credit card contractor. The proxy purchase process is started not only when the start instruction is obtained from the purchaser terminal 200 but also when the instruction is obtained from the credit card contractor terminal 300 or other various terminals (not shown). In the proxy purchase process, when the purchase processing unit 411 of the online purchasing apparatus 400 receives an instruction to register a product of interest in the online purchase process, the purchase processing unit 411 requests the proxy settlement apparatus 100 to purchase the product of interest and the proxy payment. It starts by passing presence / absence information.

  First, the product-of-interest registration unit 111 of the proxy settlement apparatus 100 accepts designation of the product of interest and whether or not proxy payment is desired from the purchaser (step S101). Specifically, the interested product registration unit 111 receives information on the interested product and its quantity, the price of each product, and the like, and whether or not proxy payment is desired, from the purchase processing unit 411 of the net purchasing device 400. Then, the interested product registration unit 111 stores the received information in the interested product storage unit 121. That is, the interested product registration unit 111 has a customer identifier 121A that is a purchaser, a product identifier 121B that specifies a product of interest, a product name 121C, a color 121D, a manufacturer 121E, a prevailing price 121F, and a designation of a person acting as a settlement agent. In this case, the proxy settlement target 121G and the quantity 121H for identifying the person are stored in the interest product storage unit 121 in association with each desired product.

  Then, the proxy payment request processing unit 112 determines whether there is a proxy payment desired product (step S102). Specifically, the proxy payment request processing unit 112 determines whether or not the product of interest received in step S101 includes a product for which purchase by proxy payment is desired (a proxy payment desired product). When the proxy payment desired product is not included (in the case of “No” in step S102), the proxy payment request processing unit 112 ends the proxy purchase process.

  When the proxy payment desired product is included (in the case of “Yes” in step S102), the proxy payment request processing unit 112 determines whether it is possible to identify a proxy payer who has not requested a proxy payment (step S103). ). Specifically, the proxy payment request processing unit 112 refers to the commodity-of-interest storage unit 121 and substitutes the proxy payer stored in the proxy settlement target 121G or the customer in advance in the proxy payer storage unit 122. A payer is extracted, and it is determined whether at least one or more surrogate payers remain by excluding surrogate payers who have requested surrogate payment regardless of whether or not surrogate payment has been made. If no proxy payer remains, the proxy payment request processing unit 112 determines that an unrequested proxy payer cannot be identified (“No” in step S103), and ends the proxy purchase processing. .

  If a proxy payer who has not been requested for proxy payment can be identified (“Yes” in step S103), the proxy payment request processing unit 112 requests a proxy payment processing request from one of the proxy payers who have not requested proxy payment. Is transmitted (step S104). Specifically, the proxy payment request processing unit 112 selects a proxy payer who has not requested a proxy payment in a priority order according to a predetermined algorithm executed by the random or priority order setting unit 115. Then, the proxy payment request processing unit 112 generates a proxy payment request screen including a list of the products of interest and their quantities, and can input the products of interest and their quantities to be paid on behalf of the agency, and the credit card contractor terminal 300 of the proxy payer Send to.

  In calculating the priority order, the priority order setting unit 115 refers to, for example, the proxy payer storage unit 122, identifies the category of the product for each product of interest, and the category is the first priority category 122E. The proxy payer set in the above is extracted, and the priority order is calculated according to the priority order 122D. When the proxy payer whose interest product category is set to the first priority category 122E is not extracted, the priority order setting unit 115 refers to the proxy payer storage unit 122 and the category of the interest product is determined. The proxy payer set in the second priority category 122F is extracted and the priority order is calculated according to the priority order 122D. Similarly, when the third priority category 122G is searched and no extraction is performed, the priority order setting unit 115 calculates the priority order based on the priority order 122D.

  The proxy payment approval / disapproval processing unit 113 determines whether or not the target product and quantity of the proxy payment are received from the proxy payer within a predetermined period (step S105). Specifically, the proxy payment approval / disapproval processing unit 113 receives the target product for proxy payment and the quantity of proxy payment from the credit card contractor terminal 300 of the proxy payer within a predetermined period (for example, 24 hours). It is determined whether or not it has been accepted. When the predetermined period has passed without accepting the target product for proxy payment and the quantity of proxy payment (in the case of “No” in step S105), the proxy payment approval / rejection processing unit 113 performs control. Returning to step S103, the proxy payer is handled as having been requested.

  In the case where the target product for proxy payment and the quantity of proxy payment are received within the predetermined period (“Yes” in step S105), the proxy payment approval / disapproval processing unit 113 substitutes other than the target for proxy payment. It is determined whether or not there is a product presentation request (step S106). Specifically, the proxy payment approval / disapproval processing unit 113 determines whether a substitute product presentation request has been transmitted from the credit card contractor terminal 300 or the like after the target product for proxy payment is presented.

  When there is a request for presentation of an alternative product (in the case of “Yes” in step S106), the alternative proposal processing unit 114 makes a search request for the product of the same manufacturer in the same category to the net purchasing device 400, and the result of the search The obtained product is replaced with the product of interest as a substitute product (step S107). And the alternative proposal process part 114 returns control to step S105.

  The alternative proposal processing unit 114 is not limited to this, and can specify various conditions specified by the proxy payer in the search request. For example, the alternative proposal processing unit 114 may search for at least a product in the same category as the product of interest or a product of the same manufacturer as the product of interest for each product of interest. Or the alternative proposal process part 114 is good also as a search condition including either the upper limit price of purchased goods, or the quantity of purchased goods. Alternatively, the alternative proposal processing unit 114 displays an alternative search screen for accepting designation of search conditions on the credit card contractor terminal 300, and the search conditions accepted for designation (eg, manufacturer, category, purchaser's review or review, etc.) The conditions for imposing restrictions on the evaluation value, the upper limit amount, etc.) may be designated.

  In the case where there is no substitute product presentation request (“No” in step S106), the proxy payment approval / disapproval processing unit 113 performs a settlement / billing process for the target product (step S108). Specifically, the proxy payment approval / disapproval processing unit 113 performs a monetary process such as a settlement process and a billing process on the basis of the product of interest and the quantity permitted by the proxy payer. In the settlement process and the billing process, the same settlement process as before is performed based on the credit card contract of the credit card contractor, and a predetermined billing process is performed for the credit card contractor.

  Then, the proxy payment request processing unit 112 notifies the proxy payer that the transaction has been completed (step S109). Specifically, the proxy payment request processing unit 112 transmits screen information indicating that the transaction has been completed, that is, that the credit card has been used, to the credit card contractor terminal 300.

  Then, the proxy payment request processing unit 112 determines whether or not all the products of interest have been purchased (step S110). Specifically, the proxy payment request processing unit 112 refers to the product-of-interest storage unit 121 and determines whether or not the proxy settlement of an amount satisfying the registered quantity has been made for all of the products registered as the product of interest. judge. If all the products registered as the products of interest have not been subjected to proxy settlement in an amount that satisfies the registered quantity (“No” in step S110), the proxy payment request processing unit 112 performs control. Return to step S102.

  When all the products registered as the products of interest have been subjected to proxy settlement in an amount that satisfies the registered quantity (“Yes” in step S110), the proxy payment request processing unit 112 performs proxy purchase processing. End.

  The above is the flow of proxy purchase processing. According to proxy purchase processing, a person other than a credit card contractor who does not have a credit card medium related to the credit card contract can make a safe and simple purchase using the credit card function of the contractor. it can.

  In particular, for celebrations and gifts according to time, the recipient of the gift can register it as a product of interest in advance, so that the person who sends the gift can reduce the worry of selecting the gift, and the gift mismatch Can be prevented. In addition, it is possible to perform proxy settlement by designating a part of the products of interest, and it is possible to propose alternative products for products that exceed the budget, so that budget management for proxy settlement is facilitated.

  FIG. 9 is a diagram illustrating an example of a commodity-of-interest input screen 500 output by the purchase processing unit 411 of the online purchasing apparatus 400 before the proxy purchase process is started. The product-of-interest input screen 500 is a screen for accepting registration of products that are not purchased but are interested in purchase in the purchaser terminal 200. The interested product input screen 500 includes a proxy payment target input item 501 that receives an input as to whether or not proxy payment of the interested product is desired, an interested product input item 502 that receives an input of the name of the interested product, and the quantity of the interested product. A quantity input item 503 for receiving an input and an amount display item 504 for displaying the price of the product of interest are included. Further, the product-of-interest input screen 500 includes a product addition button 505 that accepts a confirmed input of the product of interest, and a return button 506 that accepts an instruction to cancel the entered product of interest.

  When receiving an input to the product addition button 505, the purchase processing unit 411 requests the interested product registration unit 111 to register the interested product and quantity together with the presence / absence of proxy payment in the proxy payment target input item 501. When the interested product registration unit 111 accepts this, the proxy purchase processing is started in the proxy settlement apparatus 100. Note that the interested product input screen 500 may be generated by the net purchasing device 400 and displayed by the browser processing unit 240 of the purchaser terminal 200, or may be generated by a predetermined program in the purchaser terminal 200. It may be displayed by the browser processing unit 240.

  FIG. 10 is a diagram illustrating an example of the proxy payer selection screen 550. The proxy payer selection screen 550 is a screen that selectively accepts a person who performs proxy payment in the purchaser terminal 200. On the proxy payer selection screen 550, an automatic option 551 for accepting an instruction for automatically selecting a person who requests proxy payment from a registrant and another option 552 for accepting an input of another proxy payer are selectable. Is done. Further, the other options 552 include detailed items of a proxy payer name reception item 553 that receives an input of the name of the proxy payer, and a mail address reception item 554 that receives an input of the proxy payer's mail address. .

  The proxy payer selection screen 550 also has a button 555 for requesting reception of an instruction to transmit any option to the proxy settlement apparatus 100, and a cancel button 556 for receiving an instruction to end the process without selecting any option. Is displayed.

  When one of the options is selected and an input to the request button 555 is accepted, the proxy payment request processing unit 112 executes the process of step S103 of the proxy purchase process. The proxy payer selection screen 550 may be generated by the proxy settlement apparatus 100 and displayed by the browser processing unit 240 of the purchaser terminal 200, or may be generated by a predetermined program in the purchaser terminal 200. May be displayed by the browser processing unit 240.

  FIG. 11 is a diagram illustrating an example of the proxy payer detail setting screen 570. The proxy payer detail setting screen 570 is a screen that accepts an instruction to register in advance a person who performs proxy payment in the purchaser terminal 200. The proxy payer detailed setting screen 570 includes a name input item 571 for receiving the name of the proxy payer, an email address input item 572 for receiving the email address of the proxy payer, and a priority order input item 573 for receiving the priority order of the proxy payer. A priority category 1 input item 574 for receiving the first priority category of the proxy payer, a priority category 2 input item 575 for receiving the second priority category of the proxy payer, and a third priority category of the proxy payer. A priority category 3 input item 576 to be received, a setting button 577 for receiving an instruction to confirm the setting of the detailed setting of the proxy payer, and a cancel button 578 for receiving an instruction to end the processing without confirming any input. Is displayed.

  When the proxy payment request processing unit 112 receives an input to the button 577 set on the proxy payer detail setting screen 570, the proxy payment request processing unit 112 receives a name input item 571, an email address input item 572, a priority order input item 573, and a priority category 1 input. Using the information input in the item 574, the priority category 2 input item 575, and the priority category 3 input item 576, the detailed information of the proxy payer is registered in the proxy payer storage unit 122. The proxy payer detailed setting screen 570 may be generated by the proxy settlement apparatus 100 and displayed by the browser processing unit 240 of the purchaser terminal 200, or generated by a predetermined program in the purchaser terminal 200. And may be displayed by the browser processing unit 240.

  FIG. 12 is a diagram illustrating an example of the proxy purchase screen 600. The proxy purchase screen 600 is a screen for accepting an instruction relating to proxy payment processing in the credit card contractor terminal 300. The proxy purchase screen 600 includes permission input reception items 601, 602, and 603 that accept a check input for each product for which proxy purchase is permitted, and substitute buttons 611 and 612 that accept an instruction to search for substitute products in order to propose alternative products , 613, a proxy purchase permission button 620 for accepting an input of an instruction for permitting proxy purchase, and a button 621 for rejecting an input of an instruction for rejecting all proxy purchases.

  When the substitute buttons 611, 612, and 613 accept input, the screen transitions to a screen for setting conditions for proposing alternative products. When the proxy purchase permission button 620 receives an input, the screen transitions to the proxy purchase settlement screen for the product related to the item selected and input from the permission input reception items 601, 602, and 603. The proxy purchase screen 600 may be generated by the proxy settlement apparatus 100 and displayed by the browser processing unit 340 of the credit card contractor terminal 300, or may be displayed on the credit card contractor terminal 300 by a predetermined program. It may be generated and displayed by the browser processing unit 340.

  FIG. 13 is a diagram showing an example of the alternative search screen 650. The alternative search screen 650 is a screen that accepts designation of conditions for searching for a product that is an alternative to the product of interest related to proxy payment processing in the credit card contractor terminal 300. The alternative search screen 650 includes condition input reception items 651 and 652 that receive check input of search conditions for products for searching for alternative products, a search button 653 that receives an instruction to search using the input conditions, and any search condition. A return button 654 that receives an instruction to end the alternative search without selecting, and a clear button 655 that receives an instruction to change the search condition to an unselected state are included.

  When the search button 653 accepts input, the screen transitions to a screen that displays the result of searching for alternative products. Specifically, when the search button 653 accepts input, the alternative proposal processing unit 114 makes a search request for a product to be replaced to the net purchasing device 400 under the input conditions, and selects the product obtained as a result of the search. Transition to a screen for inquiring whether or not to replace the product of interest as an alternative product. The alternative search screen 650 may be generated by the proxy settlement apparatus 100 and displayed by the browser processing unit 340 of the credit card contractor terminal 300, or may be displayed on the credit card contractor terminal 300 by a predetermined program. It may be generated and displayed by the browser processing unit 340.

  FIG. 14 is a diagram illustrating an example of an alternative product message screen 700. The substitute product message screen 700 is a screen for displaying, on the purchaser terminal 200, a replacement guide and a message from the person who makes the proxy payment to the product of interest to the purchaser. The substitute product message screen 700 receives a message item 701 for displaying a substitute product and displaying a message text from a proxy payer related to replacement of the substitute product, and an instruction for substituting the product of interest with the substitute product and determining proxy payment. Depending on the proposal, a decision button 702, a message input button 703 that accepts an instruction to return a message to the proxy payer, and another product that accepts an instruction to search for another product and resubmit proxy payment are searched and re-requested A button 704, a button 705 after accepting an instruction to temporarily change the status of proxy payment to a suspended state, and a request button 706 to another person accepting an instruction to request proxy payment to another person are displayed. .

  When receiving an input to the enter button 702 according to the proposal on the substitute product message screen 700, the interested product registration unit 111 replaces and registers the interested product in the interested product storage unit 121 with the substitute product. Then, the proxy payment request processing unit 112 starts proxy settlement processing for the replaced product of interest product that has been replaced. The alternative product message screen 700 may be generated by the proxy settlement device 100 and displayed by the browser processing unit 240 of the purchaser terminal 200, or may be generated by a predetermined program in the purchaser terminal 200. It may be displayed by the browser processing unit 240.

  The payment system 1 to which the embodiment according to the present invention is applied has been described above. According to this embodiment, a person other than the credit card contractor who does not have the credit card medium related to the credit card contract can use the credit card function of the contractor as a proxy for a predetermined person. You can request settlement.

  The present invention is not limited to the above embodiment. The above embodiment can be variously modified within the scope of the technical idea of the present invention. For example, in the above embodiment, product purchase by Internet (Internet) purchase is exemplified, but the present invention is not limited to this. For example, it can be used for purchase at a store.

  In addition, for example, in the above embodiment, inquiries to proxy payers in order until all registered products of interest are purchased or inquiries are made to each of the pre-associated proxy payers. There is, but is not limited to this. For example, when the proxy payment approval / disapproval processing unit 113 inquires all or some of the proxy payers all at once regardless of the priority order, the proxy payment approval / disapproval is made at once, and the purchase is made by proxy purchase, and all the products of interest are satisfied A notification that proxy payment has been completed may be issued to the non-payer by the proxy payment approval / rejection processing unit 113. By doing in this way, the period concerning proxy payment can be shortened.

  Further, the technical elements of the above-described embodiments may be applied independently, or may be applied by being divided into a plurality of parts such as program parts and hardware parts.

  In the above, this invention was demonstrated centering on embodiment.

DESCRIPTION OF SYMBOLS 1 ... Payment system, 50 ... Network, 100 ... Proxy payment apparatus, 110 ... Control part, 111 ... Interest product registration part, 112 ... Proxy payment request processing part, 113 ... -Proxy payment approval / rejection processing unit, 114 ... alternative proposal processing unit, 115 ... priority order setting unit, 120 ... storage unit, 121 ... interested product storage unit, 122 ... proxy payer storage unit , 130: communication unit, 200: purchaser terminal, 210 ... display unit, 220 ... input reception unit, 230 ... communication unit, 240 ... browser processing unit, 300 ... Credit card contractor terminal, 310 ... display unit, 320 ... input receiving unit, 330 ... communication unit, 340 ... browser processing unit, 400 ... net purchasing device, 410 ... control unit 411 ... Purchase processing part, 412 ... Payment processing unit, 420 ... storage unit, 421 ... product information storage unit, 430 ... communication unit

Claims (9)

An interest product registration department that accepts and registers interest products that are of interest to purchase from consumers,
A proxy payment request processing unit for receiving a request for proxy payment related to the product of interest;
A proxy payment approval / disapproval processing unit that performs a settlement process based on a credit card contract of the proxy payer with respect to the product of interest that is approved by inquiring approval / disapproval of proxy payment to a predetermined proxy payer based on the request for proxy payment;
A settlement apparatus comprising: The payment apparatus according to claim 1,
An alternative proposal processing unit that searches for alternative products and makes proposals when accepting an alternative product proposal request in response to an inquiry from the proxy payment approval / rejection processing unit,
A settlement apparatus comprising: The payment apparatus according to claim 1,
A priority order setting unit for setting the priority order of the proxy payer,
The proxy payment approval / rejection processing unit performs the proxy payment inquiry in the priority order;
A settlement apparatus characterized by that. The payment apparatus according to claim 2,
The substitute proposal processing unit proposes the substitute product for each product of interest from products of the same category as the product of interest, or products of the same manufacturer as the product of interest.
A settlement apparatus characterized by that. The payment apparatus according to claim 3, wherein
The priority order setting unit specifies the proxy payer according to the priority order of the proxy payer associated in advance for each category of the product of interest.
A settlement apparatus characterized by that. The payment apparatus according to claim 4, wherein
The proxy payment approval / disapproval processing unit makes an inquiry to the proxy payer in order until all of the registered products of interest are purchased or until the inquiry to each of the proxy payers associated in advance is completed,
A settlement apparatus characterized by that. The payment apparatus according to claim 2,
The search condition for the substitute product includes the upper limit price of the purchased product.
A settlement apparatus characterized by that. The payment apparatus according to claim 2,
The search condition for the alternative product includes the quantity of the purchased product,
A settlement apparatus characterized by that. A payment method using a payment device,
The settlement apparatus includes a control unit and a storage unit,
The controller is
An interest product registration step of accepting registration of an interest product interested in purchase from a consumer and registering it in the storage unit;
A proxy payment request processing step for accepting a proxy payment request for the product of interest;
Proxy payment approval / disapproval processing step of performing settlement processing based on the credit card contract of the proxy payer with respect to the product of interest that has been approved by inquiring approval / rejection of proxy payment to a predetermined proxy payer based on the request for proxy payment;
The settlement method characterized by implementing.

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