JP2019175223A - Processing device for vicariously performing settlement between purchaser and seller - Google Patents

Abstract

To provide a processing device for executing settlement with improved convenience.SOLUTION: The processing device according to an embodiment is operated by a settlement agent that vicariously settles a substantially periodic payment between a purchaser and a seller. The processing device includes: reception means for receiving at a first frequency a request signal requesting vicarious settlement from a server device operated by the seller; first instruction means for transmitting a first instruction signal instructing transfer for the payment from an account of the purchaser opened at a financial institution specified by the request signal to an account of the settlement agent that is opened at the financial institution to a server device operated by the financial institution; and second instruction means for transmitting a second instruction signal instructing transfer for the payment to an account of the seller opened at a financial institution that is set by the seller from an account of the settlement agent opened at a selected financial institution to a server device operated by the selected financial institution.SELECTED DRAWING: Figure 7

Description

  The technology disclosed in the present application relates to a processing apparatus that performs settlement between a purchaser and a seller, a method of using the processing apparatus, and the like.

  In recent years, with the expansion of the electronic commerce (EC) market, a plurality of settlement services can be used in EC shops and auction services. Japanese Patent Laying-Open No. 2009-9374 (Patent Document 1) discloses that a credit card or the like is used to settle a usage fee in electronic commerce. A payment service using a credit card or a debit card or a payment service using electronic money is a service that is highly convenient for a purchaser because the payment is completed immediately.

JP 2009-9374 A

  However, if a purchaser who does not have a credit card or the like selects a settlement method such as bank transfer or cash on delivery, he / she will bear almost the entire fee for the settlement. In addition, in order to make a bank transfer, the purchaser needs to use a bank counter, an automated teller machine, or use Internet banking. In either case, it takes time and effort and the convenience is reduced as compared with the case of using a credit card or the like.

  Conversely, when viewed from the seller's side, payment by credit card, etc. can be said to be a service that is highly convenient for the purchaser, but for the seller, a large fee for payment will be borne, and bank transfer Compared to the above, the profit rate of the product itself will be reduced. There are some sellers who do not provide payment by credit card because it is difficult to make a profit on a low-priced item alone.

  In addition, the seller does not have to pay a fee for bank transfer, but the purchaser dislikes the bank transfer costs and hassle, makes the buyer unwilling to make a purchase, forgets the buyer's transfer, or the transfer amount is incorrect. As a result, there are concerns about the impact of losing product sales opportunities.

  As described above, the settlement means based on the conventional technology is not necessarily providing a service that is highly convenient for both the purchaser and the seller.

  Therefore, according to various embodiments of the present invention, a processing apparatus that executes settlement with improved convenience is provided.

  A processing apparatus according to an aspect of the present invention is a processing apparatus that is operated by a payment agent company that performs substantially periodic payment between a purchaser and a seller, and is operated by the seller. Receiving means for receiving a request signal from the server device for substituting the payment via the communication line at a first frequency, and the purchase established in the financial institution specified by the request signal Server apparatus operated by the financial institution via a communication line for a first instruction signal for instructing the transfer of the price from the account of the person who has been set up in the financial institution to the account of the settlement agent The first instruction means for transmitting to the account of the seller established in the financial institution set by the seller from the account of the settlement agent established in the selected financial institution A second instruction signal instructing to remit money are those comprising a second instructing means for transmitting to the server device operated by the selected financial institution via the communication line, the.

  The server device according to an aspect of the present invention is connected via a communication line to a processing device operated by a payment agency that performs substantially periodic payment between a purchaser and a seller. A server device operated by a financial institution, wherein the receiving device receives a first instruction signal indicating that remittance is instructed from the processing device via a communication line at a second frequency, and according to the first instruction signal And remittance means for transferring the money from the purchaser's account to the settlement agent's account.

  A server device according to another aspect of the present invention is connected via a communication line to a processing device operated by a payment agent company acting on behalf of a substantially periodic payment between a purchaser and a seller. A server device operated by a financial institution, receiving means for receiving at a third frequency a second instruction signal indicating that remittance is instructed from the processing device via a communication line; and the second instruction signal And a remittance means for transferring the money from the account of the settlement agent company to the account of the seller established by the financial institution or a financial institution different from the financial institution. .

  The method of use according to one aspect of the present invention is a method of using a processing apparatus operated by a payment agent company that performs payment of a substantially periodic price between a purchaser and a seller. A reception signal for receiving a request signal from the server device operated by a user via the communication line at a first frequency, and a financial institution identified by the request signal. A first instruction signal for instructing to transfer the payment from the purchaser's account to the settlement agent's account established at the financial institution is operated by the financial institution via a communication line. After the first instruction step to be transmitted to the server device, and after the first instruction step, the account is established at the financial institution set by the seller from the account of the settlement agent company established at the selected financial institution. A second instruction step of transmitting a second instruction signal for instructing to transfer the price to the seller's account to a server device operated by the selected financial institution via a communication line; Is included.

  The method of use according to another aspect of the present invention is connected via a communication line to a processing device operated by a payment agency that performs substantially periodic payments between a purchaser and a seller. A method of using a server apparatus operated by a financial institution, wherein a receiving step of receiving a first instruction signal indicating that remittance is instructed from the processing apparatus via a communication line at a second frequency; A remittance step of remittance of the money from the purchaser's account to the settlement agent company's account according to one instruction signal.

  The method of use according to still another aspect of the present invention is to connect via a communication line to a processing device operated by a payment agency that performs substantially periodic payments between a purchaser and a seller. A method of using a server device operated by a financial institution, wherein a reception step of receiving a second instruction signal indicating that remittance is instructed from the processing device via a communication line at a third frequency; A remittance step of transferring the money from the account of the settlement agent company to the account of the seller established by the financial institution or a financial institution different from the financial institution according to a second instruction signal. It is a waste.

  A computer program according to an aspect of the present invention is a means included in a processing device operated by a payment agent company that performs payment of a substantially periodic payment between a purchaser and a seller. And receiving means for receiving a request signal from the server device operated by the seller for the payment on the communication line at a first frequency, to a financial institution identified by the request signal. A first instruction signal instructing to transfer the money from the established buyer's account to the settlement agent's account established at the financial institution is sent via the communication line to the financial institution. A first instruction means for transmitting to a server device operated by the financial device set by the seller from an account of the settlement agent company established in the selected financial institution A second instruction signal for instructing the transfer of the price to the seller's account established at the second time is transmitted to the server device operated by the selected financial institution via a communication line; It functions as an instruction means.

  According to various embodiments of the present invention, it is possible to provide a processing device that executes settlement with improved convenience.

FIG. 1 is a block diagram showing an example of the configuration of an information processing system according to an embodiment of the present invention. FIG. 2 is a block diagram showing an example of the configuration of the server device 40 used in the information processing system 1 shown in FIG. FIG. 3 is a block diagram showing an example of the configuration of the server device 50 used in the information processing system 1 shown in FIG. FIG. 4 is a block diagram illustrating an example of functions of the server device 40 used in the information processing system 1 illustrated in FIG. FIG. 5 is a block diagram illustrating an example of functions of the server device 50 used in the information processing system 1 illustrated in FIG. FIG. 6 shows an operation performed for the server apparatus 40 operated by the payment agency in the information processing system 1 shown in FIG. 1 to obtain an access token related to API use from the server apparatus 50 operated by the financial institution. It is a flowchart which shows an example. FIG. 7 is a flowchart showing an example of the operation of the information processing system 1 shown in FIG. FIG. 8A is a schematic diagram showing a first state of a screen displayed on the purchaser's terminal device 20 in the information processing system 1 shown in FIG. FIG. 8B is a schematic diagram illustrating a second state of a screen displayed on the purchaser's terminal device 20 in the information processing system 1 illustrated in FIG. 1. FIG. 8 is a schematic diagram showing a third state of a screen displayed on the purchaser's terminal device 20 in the information processing system 1 shown in FIG. FIG. 8 is a schematic diagram showing a fourth state of a screen displayed on the purchaser's terminal device 20 in the information processing system 1 shown in FIG. FIG. 8 is a schematic diagram showing a fifth state of a screen displayed on the purchaser's terminal device 20 in the information processing system 1 shown in FIG. FIG. 8 is a schematic diagram showing a sixth state of a screen displayed on the purchaser's terminal device 20 in the information processing system 1 shown in FIG. FIG. 8 is a schematic diagram showing a seventh state of a screen displayed on the purchaser's terminal device 20 in the information processing system 1 shown in FIG. FIG. 8 is a schematic diagram showing an eighth state of a screen displayed on the purchaser's terminal device 20 in the information processing system 1 shown in FIG. FIG. 8 is a schematic diagram showing a ninth state of a screen displayed on the purchaser's terminal device 20 in the information processing system 1 shown in FIG. FIG. 8 is a schematic diagram showing a tenth state of a screen displayed on the purchaser's terminal device 20 in the information processing system 1 shown in FIG. FIG. 8 is a schematic diagram showing an eleventh state of the screen displayed on the purchaser's terminal device 20 in the information processing system 1 shown in FIG. FIG. 8 is a schematic diagram showing a twelfth state of a screen displayed on the purchaser's terminal device 20 in the information processing system 1 shown in FIG. FIG. 9 is a diagram illustrating an example of details of transaction information that can be browsed by the terminal device 30 of the seller in the information processing system 1 illustrated in FIG. 1. FIG. 10A is a schematic diagram for explaining the operation of the settlement price depositing unit 115 in the server device 40 used in the information processing system 1 shown in FIG. FIG. 10B is a schematic diagram for explaining the operation of the payment payment section 115 in the server device 40 used in the information processing system 1 shown in FIG. FIG. 10C is a schematic diagram for explaining the operation of the settlement payment depositing unit 115 in the server device 40 used in the information processing system 1 shown in FIG. FIG. 11A is a schematic diagram for explaining the operation of the payment payment section 115 in the server device 40 used in the information processing system 1 shown in FIG. FIG. 11B is a schematic diagram for explaining the operation of the payment payment section 115 in the server device 40 used in the information processing system 1 shown in FIG. FIG. 12 is a flowchart showing another example of the operation of the information processing system 1 shown in FIG. FIG. 13A is a schematic diagram illustrating a first state relating to another example of a screen displayed on the purchaser's terminal device 20 in the information processing system 1 illustrated in FIG. 1. FIG. 13B is a schematic diagram illustrating a second state relating to another example of a screen displayed on the purchaser's terminal device 20 in the information processing system 1 illustrated in FIG. 1. FIG. 13C is a schematic diagram illustrating a third state relating to another example of a screen displayed on the purchaser's terminal device 20 in the information processing system 1 illustrated in FIG. 1. FIG. 13D is a schematic diagram illustrating a fourth state relating to another example of the screen displayed on the purchaser's terminal device 20 in the information processing system 1 illustrated in FIG. 1. FIG. 13E is a schematic diagram illustrating a fifth state relating to another example of a screen displayed on the purchaser's terminal device 20 in the information processing system 1 illustrated in FIG. 1. FIG. 13F is a schematic diagram illustrating a sixth state relating to another example of the screen displayed on the purchaser's terminal device 20 in the information processing system 1 illustrated in FIG. 1. FIG. 13G is a schematic diagram illustrating a seventh state relating to another example of a screen displayed on the purchaser's terminal device 20 in the information processing system 1 illustrated in FIG. 1. FIG. 13H is a schematic diagram illustrating an eighth state relating to another example of the screen displayed on the purchaser's terminal device 20 in the information processing system 1 illustrated in FIG. 1. FIG. 13I is a schematic diagram illustrating a ninth state relating to another example of a screen displayed on the purchaser's terminal device 20 in the information processing system 1 illustrated in FIG. 1. FIG. 13J is a schematic diagram illustrating a tenth state relating to another example of a screen displayed on the purchaser's terminal device 20 in the information processing system 1 illustrated in FIG. 1. FIG. 13K is a schematic diagram illustrating an eleventh state relating to another example of the screen displayed on the purchaser's terminal device 20 in the information processing system 1 illustrated in FIG. 1.

  Hereinafter, various embodiments of the present invention will be described in detail with reference to the accompanying drawings. It should be noted that the same reference numerals are given to the common components in the drawings. Furthermore, the various embodiments described below can be realized by replacing the term “transfer” with the term “transfer”, and the term “transfer” is replaced with the term “transfer”. Is also feasible.

1. Overview of Information Processing System FIG. 1 is a block diagram showing an example of the configuration of an information processing system according to an embodiment of the present invention. As shown in FIG. 1, an information processing system 1 according to an embodiment is connected to a communication network 10 including the Internet, and a plurality of terminal devices 20-1, 20-2 that can be operated by each purchaser. .., 20-N (hereinafter sometimes collectively referred to as “terminal device 20”), and a plurality of server devices 30-1, 30-2,... , 30-N (hereinafter may be collectively referred to as “server device 30”), and one or more server devices (processing devices) 40 connected to the communication network 10 and operated by a payment agency. Server devices 50-1, 50-2,..., 50-N (hereinafter may be collectively referred to as “server device 50”) connected to the network 10 and operated by each financial institution. Including.
The terminal device 20, the server device 30, the server device 40, and the server device 50 can communicate with each other via the communication network 10.

  The communication network 10 means a connection structure that enables information exchange among the respective nodes (terminal device 20, server device 30, server device 40, and server device 50), and includes the Internet, a mobile communication network, It may include at least one of a fixed communication network and the like.

  The terminal device 20 used by each purchaser is an arbitrary information processing device capable of displaying information acquired from each of the server device 30, the server device 40, and the server device 50 by a predetermined application or a web browser. For example, a smartphone, a tablet terminal, a desktop computer, a notebook computer, a portable information terminal, a mobile phone, and the like are included without being limited thereto.

  The server device 30 operated by each seller uses a predetermined application installed on each terminal device 20, a web browser, or the like to provide services via an EC shop site, an auction site, etc. operated or affiliated by the seller, This is provided to each terminal device 20 via the communication network 10. The server device 30 operated by each seller provides all services for paying the price via the communication network 10 with the terminal device 20 of the purchaser. In one embodiment, the server device 30 functions as an application server, and provides services via various sites including an EC shop site and / or an auction site to the terminal device 20 that executes an installed predetermined application. Can be provided. In another embodiment, the terminal device functions as a web server that manages a website composed of a plurality of web pages having a hierarchical structure, and various websites including an EC shop site and / or an auction site are used as such a website. 20 can be provided.

  The server device 40 operated by the payment agent company performs payment from the server device 30 operated by the seller via the communication network 10 for payment of the price between the purchaser and the seller. By receiving the request signal to be requested, an instruction signal instructing to transfer the price is transmitted to the server apparatus 50 operated by the financial institution.

  The server devices 50 operated by the respective financial institutions are server devices 50A-1, 50A-2,..., 50A-N (hereinafter, may be collectively referred to as “server device 50A”) that perform the first remittance. , 50B-N (hereinafter, may be collectively referred to as “server device 50B”) that perform the second remittance.

  Regarding the settlement of the price between the purchaser and the seller, the server device 50A operated by a certain financial institution passes from the server device 40 operated by the settlement agent company to the financial institution via the communication network 10. A first instruction signal instructing to transfer money from the established buyer's account to the settlement agent company's account established at this financial institution is received. In accordance with the first instruction signal, server device 50A remits money from the purchaser's account established at the financial institution to the settlement agent's account established at the financial institution (first remittance). Run).

  Regarding the payment of the price between the purchaser and the seller, the server device 50B operated by a certain financial institution passes from the server device 40 operated by the payment agency through the communication network 10 to the financial institution. A second instruction signal for instructing to transfer money to the account of the seller established by this financial institution or another financial institution is received from the account of the settlement agency that has been established. In accordance with the second instruction signal, server device 50B pays for the account of the seller established by this financial institution or other financial institution from the account of the settlement agency established at that financial institution. Remit money (execute the second remittance).

  The server device 50 operated by each financial institution can be one or both of the server device 50A that performs the first remittance and the server device 50B that performs the second remittance.

2. Configuration of each apparatus constituting the information processing system 1 will now be described an example of the configuration of each of the server apparatus 40 and the server apparatus 50 constituting the information processing system 1 described above.

2-1. 2. Configuration of Server Device (Processing Device) 40 Operated by Settlement Agent As shown in FIG. 2, the server device 40 includes a CPU (Central Processing Unit) 41, a main memory 42, and a user interface (I / F) 43. A communication interface (I / F) 44, an external memory 45, and a disk drive 46. These components are electrically connected to each other via a bus 47.

  The CPU 41 loads an operating system, a program for realizing various functions, and the like from the external memory 45 into the main memory 42 and executes instructions included in the loaded program. The main memory 42 is used for storing a program executed by the CPU 41, and is constituted by, for example, a DRAM. An MPU (Micro Processing Unit) can be used instead of or together with the CPU 41.

  The CPU 41 executes various processes and calculations based on information received from at least one of the terminal device 20, the server device 30, and the server device 50.

  The user I / F 43 includes, for example, an information input device such as a keyboard and a mouse that receives an operator's input, and an information output device such as a liquid crystal display that outputs a calculation result of the CPU 41. The communication I / F 44 can be implemented as hardware, firmware, communication software such as a TCP / IP driver or a PPP driver, or a combination thereof. The server device 40 is communicably connected to the terminal device 20, the server device 30, and the server device 50 using the communication I / F 44.

  The external memory 45 is composed of, for example, a magnetic disk drive, and stores various programs such as programs for realizing various functions. The external memory 45 can also store various data used in these programs.

  The disk drive 46 reads data stored in various storage media such as CD-ROM, DVD-ROM, and DVD-R, or writes data to these storage media.

  The server device 40 having such a configuration communicates with the terminal device 20, the server device 30, and the server device 50 by executing instructions included in the program loaded in the main memory 42 to control each element, and The apparatus 50 is controlled. Thereby, the server apparatus 40 can perform the payment of the price between a purchaser and a seller.

2-2. Configuration of Server Device 50 Operated by Financial Institution FIG. 3 is a block diagram showing an example of the configuration of the server device 50 used in the information processing system 1 shown in FIG.
As shown in FIG. 3, the server device 50 includes a CPU 51, a main memory 52, a user interface (I / F) 53, a communication interface (I / F) 54, an external memory 55, a disk drive 56, These components are electrically connected to each other via a bus 57.

  The CPU 51 loads an operating system, a program for realizing various functions, and the like from the external memory 55 to the main memory 52, and executes instructions included in the loaded program. The main memory 52 is used for storing a program executed by the CPU 51, and is configured by a DRAM, for example. An MPU may be used instead of the CPU 51 or together with the CPU 51.

  The CPU 51 executes various processes and calculations based on information received from at least one of the terminal device 20, the server device 30, and the server device 40.

  The user I / F 53 includes, for example, an information input device such as a keyboard and a mouse that accepts an operator's input, and an information output device such as a liquid crystal display that outputs a calculation result of the CPU 51. The communication I / F 54 can be implemented as hardware, firmware, communication software such as a TCP / IP driver or a PPP driver, or a combination thereof. Note that the server device 50 is connected to the terminal device 20, the server device 30, and the server device 40 using the communication I / F 54 so that they can communicate with each other.

  The external memory 55 is composed of, for example, a magnetic disk drive, and stores various programs such as programs for realizing various functions. The external memory 55 can also store various data used in these programs.

  The disk drive 56 reads data stored in various storage media such as a CD-ROM, a DVD-ROM, and a DVD-R, or writes data to these storage media.

  The server device 50 having such a configuration communicates with the terminal device 20, the server device 30, and the server device 40 by executing instructions included in the program loaded in the main memory 52 and controlling each element. Thereby, when the server device 50 functions as the server device 50A, the server device 50 can receive the first instruction signal from the server device 40 and execute the first remittance. When the server device 50 functions as the server device 50B, The second instruction signal can be received from the server device 40 to execute the second remittance.

3. Functions possessed by each device constituting the information processing system 1 Next, an example of functions possessed by each of the server device 40 and the server device 50 constituting the information processing system 1 will be described.

3-1. Functional diagram 4 of the server device (processor) 40 which is operated by clearing company is a block diagram showing an example of functions of the server device 40 for use in the information processing system 1 shown in FIG. As shown in FIG. 4, the server device 40 mainly includes a communication unit 100, a control unit 110, and a storage unit 120.

  The communication unit (transmission / reception unit) 100 includes devices connected to the communication network 10, such as a terminal device 20 operated by a purchaser, a server device 30 operated by a seller, and a server device 50 operated by a financial institution. Is a communication interface for performing communication between the control unit 110 and the control unit 110. The communication unit 100 can be realized mainly by the communication I / F 44 and the CPU 41 among the elements exemplified in FIG. 2.

  The control unit 110 executes various functions (to be described later) for substituting payment between the seller and the purchaser. The control unit 110 can be realized mainly by the CPU 41, the main memory 42, and the external memory 45 among the elements illustrated in FIG.

  The storage unit 120 stores information necessary for executing various functions (described later) for substituting payment between a seller and a purchaser. The storage unit 120 can be realized mainly by the CPU 41, the main memory 42, and the external memory 45 among the elements illustrated in FIG.

Specific examples of functions executed by the control unit 110 are as follows.
(1) Purchaser management unit 111
The purchaser management unit 111 has a function for managing purchaser information (purchaser information). The purchaser management unit 111 can mainly perform registration at the first use of the purchaser, update of purchaser information, and the like. The purchaser information can be stored as purchaser information 121 in the storage unit 120.

(2) Seller management unit 112
The seller management unit 112 has a function for managing seller information (seller information). The seller management unit 112 can register and update the seller information and the contract conditions with the seller. The seller information can be stored as the seller information 122 in the storage unit 120.

(3) Financial Institution Management Department 113
The financial institution management unit 113 has a function of managing account information (financial institution account information) and the like of the financial institution held by each of the purchaser, seller, and settlement agent company. The financial institution account information can be stored in the storage unit 120 as the financial institution account information 123. The financial institution management unit 113 mainly registers an account of a financial institution, registration of credential information (first permission information and second permission information) necessary for using an API (Application Programming Interface), and determined by the financial institution. The credential information can be updated in the period and frequency. The credential information can be stored as financial institution information 126 in the storage unit 120.

(4) Settlement / withdrawal unit 114
The settlement payment / withdrawal unit 114 has a function of managing remittance from an account held by the purchaser to an account held by the settlement agent company. The settlement / withdrawal unit 114 mainly accepts a request signal from the server device 30, confirms and notifies the remittance execution result, and changes from the account held by the purchaser to the account held by the settlement agency C (between the bank or the same). It is possible to transmit an instruction signal (first instruction signal) instructing remittance (by inter-branch transfer), record remittance execution results in transaction information, and the like. The transaction information can be stored as transaction information 124 in the storage unit 120. Moreover, the settlement / withdrawal unit 114 can perform remittance (first remittance) from the purchaser to the settlement agent company according to the frequency agreed with the purchaser and / or the seller in advance.

(5) Settlement payment section 115
The settlement price deposit unit 115 has a function of managing remittance from the settlement agency company to the seller. The settlement price depositing unit 115 mainly receives an instruction signal (second instruction signal) for instructing remittance from the account held by the settlement agency company to the account held by the seller (between the bank or the same branch). It is possible to record the transaction information of transmission and remittance execution results. The transaction information can be stored as transaction information 124 in the storage unit 120. Further, the settlement price depositing unit 115 can perform remittance from the settlement agency company to the seller according to the frequency agreed with the seller in advance.

  Furthermore, when the payment agent payment unit 115 transfers money from the payment agent company to the seller, if there is no sufficient balance in the account held by the payment agent company in the same financial institution as the seller, the payment agent payment unit 115 will be described later. In addition, remittance (transfer between other banks) can be performed from an account held by a settlement agency company to an account held by a seller in another financial institution.

(6) Balance management unit 116
The balance management unit 116 has a function of managing the balances of the accounts of a plurality of financial institutions held by the settlement agent company. As will be described later, the balance management unit 116 mainly transfers funds related to balance adjustment between accounts of each financial institution and periodically collates balance information with each financial institution account.

3-2. Functions of Server Device 50 Operated by Financial Institution FIG. 5 is a block diagram showing an example of functions of server device 50 used in information processing system 1 shown in FIG. As illustrated in FIG. 5, the server device 50 mainly includes a communication unit 200, a control unit 210, and a storage unit 220.

  The communication unit (transmission / reception unit) 200 includes a device connected to the communication network 10, for example, a terminal device 20 operated by a purchaser, a server device 30 operated by a seller, and a server device 40 operated by a settlement agent company. Is a communication interface for performing communication between the control unit 210 and the like. The communication unit 200 can be realized mainly by the communication I / F 54 and the CPU 51 among the elements exemplified in FIG. 3.

  The control unit 210 performs various functions (described later) for realizing the first remittance when the server device 50 functions as the server device 50A, and / or when the server device 50 functions as the server device 50B. Various functions (to be described later) for realizing the second remittance are executed. The control unit 210 can be realized mainly by the CPU 51, the main memory 52, and the external memory 55 among the elements illustrated in FIG.

  The storage unit 220 stores information necessary for executing various functions (described later) for realizing the first remittance and / or the second remittance. The control unit 210 can be realized mainly by the CPU 51, the main memory 52, and the external memory 55 among the elements illustrated in FIG.

The control unit 210 mainly includes a management unit 211, a first remittance unit 212, and a second remittance unit 213.
The management unit 211 has a function of managing account information (financial institution account information) of a financial institution held by each of a purchaser, a seller, and a settlement agent company. Note that the financial institution account information can be stored in the storage unit 120. In addition, the management unit 211 can perform registration of an account of a financial institution, registration of credential information (first permission information and second permission information) necessary for using the API, and the like. Credential information can also be stored in the storage unit 120.

  The first remittance unit 212 receives the first instruction signal from the server device 40 operated by the settlement agency, and the first remittance unit 212 performs settlement at the financial institution from an account held by the purchaser at the financial institution. Transfer money to the account held by the agency (execute the first transfer).

  The second remittance unit 213 receives the second instruction signal from the server device 40 operated by the payment agency, and the second remittance unit 213 is triggered by the financial institution (that is, the financial institution that operates the server device 40). The money is transferred from the account held by the settlement agent company to the account held by the seller in the financial institution or other financial institution (execution of the second remittance).

4). Operation of information processing system 1
4-1. Basic Operation Next, the operation of the information processing system 1 having the above-described configuration will be described. In one embodiment, the purchaser sets a plurality of financial institution accounts to be used for payment of the payment for the server device 40 operated by the payment agency, and pays the payment for each payment. You may enable it to select the account of the financial institution actually used. In one embodiment, the seller sets a plurality of financial institution accounts to which the payment amount is transferred to the server device 40, and the financial institution having the highest priority among the accounts of the plurality of financial institutions. If the account of the highest priority financial institution cannot be used due to system failure of the financial institution, etc., the account of the next highest priority financial institution Can be used as an account.

FIG. 6 shows an operation performed for the server apparatus 40 operated by the payment agency in the information processing system 1 shown in FIG. 1 to obtain an access token related to API use from the server apparatus 50 operated by the financial institution. It is a flowchart which shows an example. FIG. 7 is a flowchart showing an example of the operation of the information processing system 1 shown in FIG. 8A to 8L are schematic diagrams illustrating transition examples of screens displayed on the terminal device 20 of the purchaser in the information processing system 1 illustrated in FIG.
Hereinafter, the operation of the information processing system 1 will be described in association with the operations illustrated in FIGS. 6 and 7 and the screen transitions illustrated in FIGS. 8A to 8L.

  First, referring to FIG. 8A, the screen of the purchaser's terminal device 20 shows the EC shop received from the seller's server device 30 via a predetermined application prepared for the EC shop or a normal web browser. The page is displayed. The purchaser selects a product (here, “500 ml of mineral water” and “12 rolls of toilet paper”) at the EC shop, and taps a button 300 “Confirm”. As a result, a page for selecting a payment method is displayed on the screen of the terminal device 20, as shown in FIG. 8B.

  The purchaser taps a button 301 called “new payment method” to select a new payment method proposed by the present application (hereinafter referred to as “new payment method”) as the payment method. As a result, as shown in FIG. 8C, the transfer source financial institution already registered as the financial institution (transfer source financial institution) used for the payment of the price by the new settlement method is displayed on the screen of the terminal device 20. (Note that if no transfer source financial institution has been registered, the page shown in FIG. 8C is skipped and the page shown in FIG. 8D described later is displayed). Here, as an example, “XX bank” is displayed as the registered transfer source financial institution. Further, as shown in FIG. 8C, a button 302 “Addition of transfer source bank” for prompting addition of a transfer source financial institution is also displayed on the screen of the terminal device 20.

  When the purchaser selects a registered transfer source financial institution on the screen shown in FIG. 8C, a page shown in FIG. 8H described later is displayed.

  On the other hand, when the purchaser taps the button 302 to register a new transfer source financial institution, the page shown in FIG. 8D is displayed. Here, it is assumed that the purchaser selects “ΔΔ bank” from among the financial institutions displayed as candidates of the transfer source financial institution on this page. As a result, as shown in a step (hereinafter referred to as “ST”) 400 shown in FIG. 6, the terminal device 20 requests the seller's server device 30 to register or add a transfer source financial institution. Send a signal. In ST401, the server apparatus 30 that has received this signal transmits a signal requesting cooperation for registration or addition of the transfer source financial institution to the server apparatus 40 of the settlement agent company.

  In ST402, the server device 40 redirects the purchaser's terminal device 20 in order to request the consent to use the API to the server device 50A of the financial institution selected as the transfer source financial institution. Thereby, in ST403, the terminal device 20 redirects to a page provided by the server device 50A of the transfer source financial institution using a predetermined application prepared for the transfer source financial institution or a normal web browser ( Jump).

  Subsequently, as shown in FIG. 8E, a web page that prompts login is displayed on the screen of the terminal device 20. When the purchaser inputs predetermined information, as shown in FIG. 8F, the screen of the terminal device 20 gives consent to the settlement agent company (or seller) to use the API provided to the transfer source financial institution. The request page is displayed. This operation corresponds to ST404 shown in FIG.

  When the purchaser taps the “permit” button 303 on the screen shown in FIG. 8F, the terminal device 20 sends a signal indicating that the payment agent company (or seller) approves the use of the API in ST405 of FIG. Transmit to device 50A. Accordingly, in ST406, server apparatus 50A issues an authorization code for acquiring credential information to the payment agency, and transmits this authorization code to server apparatus 40 of the payment agency by redirection. Next, in ST407, redirection is executed via the purchaser's terminal device 20.

  In ST408, the server device 40 of the payment agent company sets the received authorization code and transmits a signal requesting credential information related to API usage. In ST409, the server apparatus 50A of the transfer source financial institution issues credential information (access token) regarding the use of the API to the settlement agent company, and transmits the issued credential information to the server apparatus 40. As a result, the settlement agent company thereafter uses the API prepared by the transfer source financial institution for the purchaser's account (the API for the balance inquiry and remittance instruction for the purchaser's account established at the transfer source financial institution). ) Can be used. Note that the API defines a method of commands from the application to the operating system, and various functions that can be used from the application are provided in the form of functions.

  When the API prepared in the transfer source financial institution becomes available to the settlement agency in this way, the screen of the terminal device 20 is displayed with a predetermined application prepared for the transfer source financial institution shown in FIG. 8F. A transition is made from a screen provided by (or a normal web browser) to a screen provided by a predetermined application (or a normal web browser) prepared for the EC shop shown in FIG. 8G.

  As shown in FIG. 8G, the screen of the terminal device 20 displays that the ΔΔ bank newly selected as the transfer source financial institution can be used for the payment of the price by the new settlement method. When the purchaser selects △ Δ bank, a page for prompting the purchaser to confirm the order content is displayed on the screen of the terminal device 20 as shown in FIG. 8H.

  When the purchaser confirms the order contents by tapping the “confirm order” button 304 on the page illustrated in FIG. 8H, the terminal device 20 performs a new settlement method in ST500 as shown in FIG. The selected signal (requesting a new settlement method) is transmitted to the server device 30 of the seller.

  Still referring to FIG. 7, in ST501, the server device 30 of the seller who has received the request for the new payment method makes a payment agent request to the server device 40 of the payment agent company. Specifically, for payment of the price between the purchaser and the seller, the server device 30 operated by the seller sends a request signal requesting that the payment is performed to the server device 40 of the payment agent company. Send to. This request signal identifies information identifying the purchaser, information identifying the purchaser's financial institution account (account held by the purchaser at the financial institution selected by the purchaser as the transfer source financial institution), and identifying the settlement. Information (order number or the like), information indicating a settlement price, information for identifying a seller, or the like may be included.

  In ST502, the server device 40 that has received the request signal from the server device 30 receives from the purchaser's account established in the financial institution identified by the request signal to the settlement agent company account established in the financial institution. Thus, the first instruction signal (remittance instruction) for instructing the remittance specified by the request signal can be transmitted to the server device 50A operated by the financial institution. In one embodiment, the server device 40 can transmit the first instruction signal to the server device 50A by executing the API provided by the financial institution. The use of this API by the server device 40 means that the server device 40 uses the credential information (access token / first permission information) acquired from the server device 50A in ST409 described above via the first instruction signal or another signal. It may be made possible by transmitting to 50A and confirming that the server device 50A has the appropriate credential information. Here, the server apparatus 40 is a financial institution in which a payment agent company is specified by a request signal at the remittance destination via the first instruction signal or another signal in order to realize the bank transfer or bank branch transfer. You can specify the account you want to hold. In another embodiment, after receiving the request signal, the server device 40 may transmit the first instruction signal (remittance instruction) to the server device 50A according to the frequency agreed with the purchaser and / or the seller in advance. Good.

  Receiving the first instruction signal, server device 50A performs, for example, push notification (e-mail notification or the like) to purchaser's terminal device 20 in ST503 in order to perform two-factor authentication (multi-path authentication). Good). Accordingly, referring to FIG. 8 again, as shown in FIG. 8I, a push notification from a predetermined application prepared for the financial institution selected as the transfer source financial institution is displayed on the screen of the terminal device 20. (Note that the terminal device 20 may receive an e-mail or the like instead of receiving the push notification). When the purchaser taps the push notification, the predetermined application is activated by the terminal device 20 as shown in FIG. 8J. When the purchaser confirms and approves the transfer amount (payment price) using the predetermined application, a two-factor authentication (multiple authentication) is performed on the screen of the terminal device 20 by the predetermined application, as shown in FIG. 8K. Route authentication) is required. That is, in addition to the authentication by the purchaser using the predetermined application prepared for the EC shop (the authentication shown in FIG. 8H), the predetermined prepared for the financial institution selected as the transfer source financial institution. Authentication by the purchaser using the application (authentication shown in FIG. 8K) can be performed (the second authentication illustrated in FIG. 8K can be omitted). When the authentication shown in FIG. 8K is normally executed, the terminal device 20 returns to a predetermined application prepared for the EC shop as shown in FIG. 8L, and the order is completed.

  After the two-factor authentication as described above is completed, referring to FIG. 7 again, in ST504, server apparatus 50A that has received the first instruction signal, from the purchaser's account according to the first instruction signal, Transfer money to the account (execute the first transfer). In another embodiment, the server device 50A may execute the first remittance without executing the two-factor authentication after receiving the first instruction signal.

  The server device 40 operated by the settlement agent company uses the API to receive a response to the first instruction signal (remittance instruction) from the server device 50A, and confirms the result of the first instruction signal (remittance instruction). (ST505) The result of the confirmation (settlement result) is notified to the server device 30 of the seller (ST506).

  Receiving the settlement result, the seller's server device 30 notifies the purchaser of the settlement result (ST507). As a notification method, it is possible to use a method such as displaying on a seller's site and sending an e-mail. If the seller recognizes that the payment has been successful based on the notified payment result, the seller sends the product to the purchaser or provides the service (ST508). In another embodiment, a format in which post-collection is performed by a new settlement method for a service provided in advance may be adopted.

  The server device 40 of the settlement agent company executes the API provided by the selected financial institution to the server device 50B of the financial institution selected by the server device 40 at a frequency agreed with the seller in advance. By using file transfer or Zengin TCP / IP procedures, etc., the seller's account established at the financial institution set in advance by the seller from the account of the settlement agent established at the selected financial institution A second instruction signal can be transmitted to instruct the account to send money (ST509). Note that the server device 40 of the settlement agent company acquires the credential information (access token / second permission information) regarding the use of the API provided by the server device 50B that executes the second remittance, for example, the first remittance Can be the same as the method (the method described with reference to FIG. 6) of acquiring credential information (access token / first permission information) related to the use of the API provided by the server device 50A.

  In one embodiment, in order to realize interbank transfer or inter-branch transfer, the server device 40 designates, as a remittance source, an account held by a settlement agency company at a financial institution predetermined by the seller. (That is, as the server device 50B, the server device 50B operated by the same financial institution as the financial institution preset by the seller can be selected). In another embodiment, as will be described later with reference to FIGS. 10A to 10C, the balance of the account of the financial institution that is the source of remittance (or the sum of the balance and the overdraft extreme amount) is less than the amount required for remittance. In some cases, the server device 40 can also temporarily transfer money from an account of another financial institution (that is, the server device 50B is a financial institution different from a financial institution preset by a seller). It is also possible to select the server device 50B operated by the institution).

  In yet another embodiment, as described above, the server device 40 is set as a normally used payee (of the highest priority) among a plurality of financial institution accounts preset by the seller. If the account of a financial institution cannot be used (due to a failure of this financial institution system, etc.), the account of the financial institution having the next highest priority can be used as a new payee.

  In ST510, server device 50B that has received the second instruction signal from server device 40 (that is, server device 50B of the financial institution selected by server device 40) transfers money from the account of the settlement agent company to the seller's account. (Second remittance is executed). As described above, the financial institution where the account of the settlement agent company is opened and the financial institution where the account of the seller is opened may be the same or different.

  In ST511, the server device 30 of the seller uses the function provided by the server device 40 of the settlement agent company to inquire and output the details of the transaction performed with the purchaser as illustrated in FIG. Can be executed.

4-2. Operation of Settlement Payment Depositing Unit 115 in Server Device 40 Next, with reference to FIGS. 10A to 10C, an example of a specific operation of the settling payment depositing unit 115 that executes remittance to the seller from the above-described settlement proxy company will be described. explain. 10A to 10C are schematic diagrams for explaining the operation of the settlement payment depositing unit 115 in the server device 40 used in the information processing system 1 shown in FIG.

In the storage unit 120 of the server device 40, as part of the balance information 125, as shown in FIG. 10A, the settlement agent company holds each financial institution (here, as an example, the financial institution D1 to the financial institution D4). For an account, a credit line, an account balance, and a remittable amount are stored. The remittable amount is the total amount of the credit line (overdraft limit) and the account balance.
Further, the storage unit 120 of the server device 40 stores, as a part of the financial institution information 126, a fee related to remittance from the remittance source financial institution to the remittance destination as shown in FIG. 10A. ing.

  In such a state, as shown in FIG. 10A, the settlement payment / payment unit 115 of the server device 40 sends remittance 1 (remittance amount: 300,000 yen / remittance destination: financial institution D1) and remittance as shown in FIG. 10A. 2 (remittance amount: 2,000,000 yen / remittance destination: financial institution D2).

  The settlement price deposit unit 115 preferentially executes interbank transfer or inter-branch transfer as much as possible for each remittance. On the other hand, if the amount that can be transferred to the account of the payment agent at the same financial institution as the transfer destination is less than the amount to be transferred, the payment agent depositing unit 115 is owned by the payment agent at the other financial institution. Transfer money from the account to the account held by the payment agency at the financial institution at the transfer destination. Here, the payment / payment depositing unit 115 includes various conditions including a condition that the overdraft usage rate is low and an interbank transfer fee is low among accounts held by a payment agency in a plurality of financial institutions. Those satisfying these conditions can be selected as an account of a financial institution that is a remittance source.

  First, paying attention to remittance 1, the remittance possible amount (3,000,000 yen) of the account held by the settlement agency in the same financial institution D1 as the transfer destination financial institution D1 is the remittance (300,000 yen) As shown in FIG. 10B, the settlement price depositing unit 115 transfers money from the account held by the settlement agency in the financial institution D1 to the account held by the seller in the financial institution D1.

  Next, paying attention to remittance 2, the remittance possible amount (1,500,000 yen) of the account held by the settlement agency in the same financial institution D2 as the transfer destination financial institution D2 is the remittance (2,000,000,000). Less than 000 yen). Here, the amount that can be transferred in the account held by the settlement agency in the financial institution D1 is equal to the amount that can be transferred in the account held in the settlement agency in the financial institution D3, but the settlement fee depositing unit 115 uses the overdraft. A financial institution D1 having a smaller rate is preferentially selected. In addition, the financial institution D1 gives priority to the financial institution D1 that has the same transfer amount as the account held by the settlement agency and the financial institution D4 has the same amount that can be transferred to the account that the settlement agency holds. select. As a result, as shown in FIG. 10C, the settlement payment / payment unit 115 does not start from the account held by the settlement agency in the financial institution D2, but from the account held by the settlement agency in the financial institution D1 to the seller in the financial institution D2. Send money to the account held by.

4-3. Operation of Balance Management Unit 116 in Server Device 40 Next, an example of a specific operation of the balance management unit 116 that adjusts the balances of the accounts of a plurality of financial institutions held by the settlement agency company will be described with reference to FIGS. 11A and 11B. To explain. 11A and 11B are schematic diagrams for explaining the operation of the settlement payment depositing unit 115 in the server device 40 used in the information processing system 1 shown in FIG.

  The balance adjustment process executed by the balance management unit 116 appropriately manages the balance of the account held by the settlement agency in a plurality of financial institutions so as not to generate the inter-bank transfer as much as possible when the second remittance is executed. It is processing. This balance adjustment process may be executed periodically.

  In the storage unit 120 of the server device 40, as part of the balance information 125, as shown in FIG. 11A, a remittable amount or the like is stored for an account held by a settlement agent company in a plurality of financial institutions.

  The balance management unit 116 uses the balance information 125 to recognize an account having a remittable amount below the lower limit and an account having a remittable amount above the upper limit. In the example shown in FIG. 11A, the balance management unit 116 recognizes the accounts of the financial institutions D3 and D5 as accounts having a remittable amount below the lower limit, and uses the financial management as an account having a remittable amount exceeding the upper limit. Recognize accounts of institutions D2, D4 and Dn.

  In one embodiment, the balance management unit 116 can preferentially select an account with the largest amount of money that can be transferred exceeding the upper limit so that the number of transfers is minimized. For example, in the example shown in FIG. 11A, the balance management unit 116 preferentially selects the account of the financial institution D2 having the largest amount that can be remittance exceeds the upper limit as the withdrawal account, and the remittable amount The financial institution D3 having the second largest amount below the lower limit value can be selected as a deposit account. Further, the balance management unit 116 preferentially selects the account of the financial institution D4 that has the second largest amount of money that can be transferred more than the upper limit as the withdrawal account, and the amount that is less than the amount that can be transferred is the largest. The financial institution D5 can be selected as a deposit account. As a result, the balance management unit 116 transfers the shortage amount (3,000,000 yen) from the account held by the settlement agency company in the financial institution D2 to the account held by the settlement agency company in the financial institution D3. In D4, the deficit amount (200,000 yen) is transferred from the account held by the payment agent company to the account held by the payment agent company in financial institution D5.

  Thereafter, the balance management unit 116 updates the balance information of each financial institution stored in the balance information 125 after the transfer is executed.

  Note that the upper and lower limits for the balance of accounts held by a settlement agency at each financial institution take into account the ratio that buyers and sellers specify each financial institution and the statistical information of daily settlement fees. It can be done for each financial institution. The upper limit value and the lower limit value can be reviewed as appropriate in order to minimize the number of transfers between accounts. The upper limit value and the lower limit value may be efficiently derived using machine learning or the like.

  As described above, according to the above-described embodiment, the purchaser bears the burden on the bank transfer in addition to reducing the trouble related to the bank transfer for the settlement of the price between the purchaser and the seller. Fees related to settlement are also reduced. In addition, a purchaser who does not have a credit card or the like can make an almost immediate settlement for 24 hours 365 days.

  Even a merchant who dislikes payment by a credit card or the like due to a high fee and does not have an immediate payment means can introduce an immediate payment means. In addition, since the purchaser can pay the price directly from the settlement screen, the situation where the merchandise sales opportunity is lost due to the buyer forgetting to transfer is reduced. Further, since the seller can immediately receive the price of the sold product, the cash flow is improved as compared with the conventional settlement means, and the additional purchase of the sold product is facilitated. Furthermore, bank transfers can be used for services such as food delivery where products must be delivered as soon as an order is received. Furthermore, since it is also possible to make payments at a frequency agreed in advance with the purchaser and / or the seller, the seller uses the account transfer (account transfer) contract, which has conventionally required to pay a high fee, to pay for it. With regard to the insurance premiums to be collected and the rent of rental properties, it is possible to provide equivalent services with relatively low fees.

  Since both buyers and sellers can make payments 24 hours a day, 365 days a year, payment confirmation is performed immediately, so that products can be shipped quickly in the same way as with credit card payments. Get it). In addition, since transfer mistakes are less likely to occur, unnecessary procedures and costs such as reorganization can be suppressed. Furthermore, when the payment agent company becomes a third party, it becomes possible to provide an escrow service, enabling safe transactions for both purchasers and sellers.

  Therefore, according to the above-described embodiment, it is possible to provide a processing device that executes settlement with improved convenience.

  In the above-described embodiment, the case has been described in which the server device 50B that performs the second remittance remits money from the account of the settlement agent company to the seller's account. Further, it may be an account of a seller who operates an auction site or the like, or an account of a seller opening a store in an EC shop or an auction site.

5). Variations The above embodiment is a mode in which the information processing system 1 executes the settlement of the price of goods or services between the purchaser and the seller only once, and the information processing system 1 is between the purchaser and the seller. It is obvious to those skilled in the art from the above description that the settlement of the price of goods or services in the system can be performed a plurality of times, that is, periodically.

  Hereinafter, the aspect in which the information processing system 1 performs settlement of the price related to the goods or services between the purchaser and the seller a plurality of times, that is, periodically will be described more specifically. In addition, the specific description is abbreviate | omitted about the part which is common in the content mentioned above.

The information processing system 1 can execute, for example, the settlement of the price related to the matters exemplified below between the purchaser and the seller without being limited thereto.
(Example 1) Regular provision of physical or electronic newspapers, magazines, e-mails, etc. (Example 2) Electricity, gas, water, etc.
(Example 3) Telephone (landline phone, mobile phone, smartphone, tablet, wireless LAN, pocket WiFi, etc.)
(Example 4) Taxes (resident tax, income tax, etc.) and pensions (national pension, private pension, etc.)
(Example 5) Insurance (National Health Insurance, Auto Insurance, Life Insurance, etc.)
(Example 6) Installment payment for goods or services (Loan payment)
(Example 7) Payment of monthly fees for products or services provided on the website, for example (Example 8) Stores (restaurants, Internet cafes, public baths, sports gyms, golf driving ranges, English conversation classes, etc.) For example, payment of a monthly fee for goods or services provided in (Example 9) Any other goods or services provided regularly or continuously (Example 10) Rent of rental properties (Example 11) Any combination of (Example 1) to (Example 10)

  FIG. 12 is a flowchart showing another example of the operation of the information processing system 1 shown in FIG. FIG. 13 is a schematic diagram illustrating a state relating to another example of a screen displayed on the purchaser's terminal device 20 in the information processing system 1 illustrated in FIG. 1. Here, as an example, a case will be described in which the information processing system 1 periodically executes payment of a mobile phone usage fee between a purchaser and a seller (that is, a communication carrier). It goes without saying that the following description is equally valid when the information processing system 1 periodically executes settlement related to the matters shown in any of the above (Example 1) to (Example 11). Absent.

  As shown in FIG. 12, first, in ST600, the purchaser's terminal device 20 periodically executes the settlement of the mobile phone usage fee by the new settlement method (new settlement method) proposed by the present application. To the server device 30 of the seller. Transitions of screens displayed on the terminal device 20 of the purchaser at that time are illustrated in FIGS. 13A to 13G.

  As shown in FIG. 13A, the screen of the purchaser's terminal device 20 is displayed on the screen of the communication carrier via a predetermined application prepared for the communication carrier (XX mobile in FIG. 13A) or a normal web browser. A page received from the server device 30 of (seller) is displayed. The purchaser's mobile phone usage fee is currently set to be withdrawn monthly from the bank account. When the purchaser taps or clicks the “change” button, the page shown in FIG. 13B is displayed on the terminal device 20. In the page shown in FIG. 13B, the purchaser selects “new settlement method” and taps or clicks the “confirm” button, whereby the page shown in FIG. 13C is displayed on the terminal device 20.

  In the page shown in FIG. 13C, a transfer source financial institution (transfer source financial institution) that has already been registered as a financial institution to be used for payment of a price by the new settlement method is displayed. Here, as an example, the purchaser selects ΔΔ bank. The bank is registered as a transfer source financial institution by the purchaser as described with reference to FIG. 8D and the like. When the purchaser taps or clicks the “confirm” button, the page shown in FIG. 13D is displayed on the terminal device 20.

  In the page shown in FIG. 13D, the purchaser pays the usage fee as the payment date (△△ the date when the account is transferred from the account to the purchaser established at the bank to the account of the settlement agent company established at the bank). For example, “10th of every month” can be input. Note that the purchaser can set the actual payment date as the previous business day or the next business day when the payment date designated in such a manner corresponds to a bank holiday.

  When the purchaser taps or clicks the “confirm” button on the page shown in FIG. 13D, the terminal device 20 receives a signal including information input by the purchaser via the page shown in FIGS. 13B to 13D. It transmits with respect to the communication provider's server apparatus 30 (refer ST400 of FIG. 6 mentioned above). Upon receiving this signal, the server device 30 transmits a signal to the server device 40 of the payment agent company requesting cooperation for periodically paying the purchaser's usage fee by the new payment method (described above). (See ST401 in FIG. 6).

  The server device 40 purchases the server device 50 </ b> A of the financial institution (here, Δ △ bank) selected as the transfer source financial institution (transfer source financial institution) in order to request approval for using the API. The terminal device 20 is redirected (see ST402 in FIG. 6 described above). As a result, the terminal device 20 redirects to a page provided by the server device 50A of ΔΔ bank using a predetermined application prepared for ΔΔ bank or a normal web browser (FIG. 6 described above). ST403).

  Subsequently, as shown in FIG. 13E, a page for prompting login is displayed on the screen of the terminal device 20. When the purchaser inputs predetermined information, the screen of the terminal device 20 indicates that the settlement agent company (or communication carrier) uses the API provided to the bank as shown in FIG. 13F. A request page is displayed (see ST404 in FIG. 6 described above).

  When the purchaser taps the “permit” button on the screen shown in FIG. 13F, the terminal device 20 transmits a signal to the server device 50A that the use of the API by the payment agent company (or the communication carrier) is accepted ( (See ST405 in FIG. 6 described above). As a result, the server device 50A issues an authorization code for acquiring credential information to the payment agent company, and transmits the authorization code to the server device 40 of the payment agent company by redirection (FIG. 6 described above). ST406). Next, redirection is executed via the purchaser's terminal device 20 (see ST407 in FIG. 6 described above).

  The server device 40 of the settlement agent company sets the received authorization code and sends a signal to the server device 50A requesting the credential information regarding the use of the API (ST408 in FIG. 6 described above). The server device 50A issues credential information (access token) related to the use of the API to the payment agent company, and transmits the issued credential information to the server device 40 (see ST409 in FIG. 6 described above). As a result, the settlement agent company thereafter uses the API prepared by the bank for the purchaser's account (△△ balance inquiry for the purchaser's account established at the bank and “periodic” remittance instructions. Etc.) can be used.

  On the other hand, as shown in FIG. 13G, the terminal device 20 displays that the payment method of the mobile phone usage fee has been changed to the new settlement method. Here, for example, a bank is registered as a financial institution used for periodic usage fee settlement, the usage fee billing deadline is, for example, the last day of every month, and the usage fee payment date. For example, it may be displayed that it is the 10th of every month.

  Returning to FIG. 12 again, in ST601, the server device 30 of the communication carrier (seller) makes a payment agent request to the server device 40 of the payment agent company on the closing date of each month (or after a predetermined number of days from the closing date). I do. Specifically, with respect to the settlement of the usage fee for the current month between the purchaser and the telecommunications carrier (seller), the server device 30 operated by the telecommunications carrier requests a request signal for performing the settlement. Is transmitted to the server device 40 of the settlement agent company. This request signal is not limited to, for example, information for identifying a purchaser, information for identifying a communication carrier, information for identifying a billed amount for the current month, and information for identifying the periodic settlement. Can be included.

  This request signal is transmitted from the server device 30 to the server device 40 at “first frequency”. In the example shown here, since the charge for the usage fee is closed at the end of each month, the “first frequency” is once a month. In another embodiment, the “first frequency” is, for example, one or more times weekly, several times a month, one or more times a quarter, one or more times a year, and 1 other fixed period. It can be selected from the group including times or multiple times.

  In addition, the “first frequency” may be always constant, or at an arbitrary timing according to a request from a purchaser, a telecommunications carrier, a financial institution, and / or a settlement agent company, or other factors. It is possible to change with.

  Next, in ST602, the server device 40 of the settlement agent company uses the transfer execution date (transfer execution date) specified by each purchaser (for example, the payment date specified in FIG. 13D) as a first batch process. Can be executed. In other words, the server device 40 uses a transfer execution date (transfer execution date) designated in advance as a trigger, and processes described below for a plurality of users whose transfer execution dates (transfer execution dates) are set (corresponding to ST603). For example, can be executed collectively.

  In ST603, for each purchaser, the server device 40 sends a request signal from the purchaser's account established in the financial institution specified by the request signal to the settlement agent company's account established in the financial institution. The first instruction signal (remittance instruction) instructing to remit the price specified by the above can be transmitted to the server device 50A operated by the financial institution. In one embodiment, the server device 40 can transmit the first instruction signal to the server device 50A by executing the API provided by the financial institution. The use of this API by the server device 40 transmits the credential information (access token / first permission information) acquired by the server device 40 from the server device 50A to the server device 50A via the first instruction signal or another signal. The server device 50A may make it possible by confirming that the credential information is appropriate. Here, the server device 40 settles with the remittance destination via the first instruction signal or another signal in order to realize the transfer between the banks (transfer between the banks) or the transfer between the same branches (transfer between the same branches). An account held by the financial institution specified by the request signal by the agency can be designated.

In addition, the server apparatus 40 can specify the account of each purchaser opened in the said financial institution and this financial institution using a request signal, for example with the following methods.
(1) When the server device 40 acquires credential information (access token) from the server device 50A (or between the purchaser, the communication carrier, the payment agent company, and the financial institution, the server device 40 executes periodic payment. (When the consent is obtained), the information identifying the financial institution is associated with the information identifying the purchaser, the information identifying the buyer's account established at the financial institution, and the periodic payment by the new payment method Information for identifying payment, information for identifying a carrier, etc. are stored, and when a request signal is received, information for identifying a purchaser included in the request signal, and the periodic settlement Information that identifies a financial institution corresponding to the search key from the stored information and that is established in the financial institution. To get the information that identifies the purchaser's account.
(2) Instead of (1) above, the server device 40 identifies, from the server device 30, information identifying the purchaser, information identifying the financial institution, and the purchaser's account established at the financial institution. And a request signal including at least information for identifying the billing amount for the current month.

  The first instruction signal is transmitted from the server device 40 to the server device 50A at “second frequency”. In the example shown here, since the usage fee of each purchaser is paid on the 10th day of every month, for example, the “second frequency” is once a month. In another embodiment, the “second frequency” is, for example, one or more times weekly, several times a month, one or more times a quarter, one or more times a year, and other fixed periods. It can be selected from the group including times or multiple times.

  In addition, the “second frequency” may be always constant, or at an arbitrary timing according to a request from a purchaser, a telecommunications carrier, a financial institution, and / or a settlement agent company, or other factors. It is possible to change with. Furthermore, the “second frequency” is specified by the purchaser as illustrated in FIG. 13D, but may be specified by the seller (communication carrier).

  As an option, the server device 50A that has received the first instruction signal performs, for example, push notification (notification by e-mail or the like) to the purchaser terminal device 20 in ST604 in order to perform two-factor authentication (multi-path authentication). May be). Accordingly, referring to FIG. 13 again, as shown in FIG. 13H, the screen of the terminal device 20 has a predetermined prepared for the ΔΔ bank selected as the transfer source financial institution (transfer source financial institution). A push notification from the application is displayed (note that the terminal device 20 may receive an e-mail or the like instead of receiving the push notification). When the purchaser taps the push notification, the predetermined application is activated by the terminal device 20 as shown in FIG. 13I. When the purchaser confirms and permits the transfer amount (transfer amount) of, for example, 7,900 yen as the usage fee for the current month using the predetermined application, as shown in FIG. Two-factor authentication (multi-path authentication) is requested by the predetermined application. In other words, in addition to authentication by the purchaser using the predetermined application prepared for the carrier (XX Mobile) (authentication shown in FIG. 13G), it is selected as the transfer source financial institution (transfer source financial institution). The authentication by the purchaser (the authentication shown in FIG. 13J) using the predetermined application prepared for the bank that has been made can be executed (the second authentication exemplified in ST604 can be omitted) In this case, ST605 described later is executed after ST603).

  After the two-factor authentication as described above is completed, referring to FIG. 12 again, in ST605, server apparatus 50A that has received the first instruction signal, from the purchaser's account according to the first instruction signal, Transfer money to the account (execute the first transfer). In another embodiment, as described above, the server device 50A may execute the first remittance without executing the two-factor authentication after receiving the first instruction signal.

  Next, in ST606, server device 50A transmits to server device 40 that the transfer (transfer) from the purchaser's account to the account of the settlement agent company (that is, the first remittance) has been executed. In one embodiment, server device 50A can notify server device 40 that the first remittance has been executed as a response to the API executed in ST603 by server device 40.

  In ST607, server device 40 notifies seller server device 30 that the first remittance has been executed. Upon receiving such notification, the server device 30 notifies the purchaser's terminal device 20 of the fact that the first remittance has been executed in ST608, for example, as shown in the page illustrated in FIG. 13K.

  In ST609, the server device 40 of the settlement agent company can execute the second batch process triggered by the transfer execution date (transfer execution date) designated in advance by the communication carrier (seller). That is, the server device 40 performs the process described below (the process corresponding to ST610) with respect to the first remittance executed for all the purchasers triggered by the transfer execution date (transfer execution date) designated in advance by the seller. For example, it can be executed collectively.

  In ST610, the server device 40 of the settlement agent company sends the server device 50B of the financial institution selected by the server device 40 by the seller from the account of the settlement agent company opened in the selected financial institution. A second instruction signal can be transmitted to instruct to transfer money to a seller's account established in a financial institution set in advance. The price here is, for example, the total price sent from each purchaser to the telecommunications carrier (seller) in this month. This price includes information for identifying the purchaser, information for identifying the communication carrier, information for identifying the billing amount for the current month, information included in the request signal transmitted from the server device 30 to the server device 40 in ST601, It can be specified from information etc. that identify a typical settlement.

  The transmission of the second instruction signal from the server device 40 to the server device 50B is performed by a method such as execution of an API provided by a financial institution operating the server device 50B, file transmission, or the Zengin TCP / IP procedure. It is executable. The server device 40 of the settlement agent company acquires the credential information (access token / second permission information) regarding the use of the API provided by the server device 50B that executes the second remittance, for example, executes the first remittance It can be the same as the method (the method described with reference to FIG. 6 and FIG. 13) for acquiring the credential information (access token / first permission information) related to the use of the API provided by the server device 50A. .

  The second instruction signal is transmitted from the server device 40 to the server device 50B at “third frequency”. In the example shown here, the usage fee of each purchaser is paid, for example, on the 10th of every month, so the “third frequency” is once a month. In another embodiment, the “third frequency” is, for example, one or more times weekly, several times monthly, one or more times quarterly, one or more times annually, and other fixed periods. It can be selected from the group including times or multiple times. Furthermore, in another embodiment, the second instruction signal may be transmitted on the same day as the first instruction signal transmitted from the server apparatus 40 to the server apparatus 50A in ST603, or the first instruction signal may be transmitted. It may be transmitted after a predetermined number of days have passed since the signal.

  In addition, the “third frequency” may be always constant, or may be changed at an arbitrary timing according to a request from a telecommunications carrier, a financial institution, and / or a settlement agent company, or other factors. Is possible.

  In one embodiment, in order to realize interbank transfer (transfer between banks) or transfer between the same branch (transfer between the same branch), the server device 40 is used as a remittance source at a financial institution predetermined by the seller. An account held by a settlement agent company can be designated (that is, a server device 50B operated by the same financial institution as that set in advance by the seller can be selected as the server device 50B). In another embodiment, as described above with reference to FIGS. 10A to 10C, when the balance of the account of the financial institution that is the source of remittance (or the sum of the balance and the overdraft limit) is less than the amount required for remittance For example, the server device 40 can also temporarily transfer money from an account of another financial institution (that is, as the server device 50B, a financial institution different from the financial institution preset by the seller) It is also possible to select the server device 50B operated by the above).

  In yet another embodiment, as described above, the server device 40 is set as a normally used payee (transferee) among a plurality of financial institution accounts preset by the seller ( If the account of the financial institution with the highest priority is not available (due to a failure of this financial institution system, etc.), the account of the financial institution with the next highest priority is used as the new payee (transferee). It is possible to use.

  The server device 50B that has received the second instruction signal from the server device 40 (that is, the server device 50B of the financial institution selected by the server device 40) remits the payment from the account of the settlement agent company to the seller's account in ST611. (Second remittance is executed). As described above, the financial institution where the account of the settlement agent company is opened and the financial institution where the account of the seller is opened may be the same or different.

  Next, in ST612, the server device 50B transmits to the server device 40 by an arbitrary technique that transfer (transfer) (that is, second remittance) from the purchaser's account to the settlement agent's account has been executed. When the transmission of the second instruction signal is performed by the server apparatus 40 via the API in ST610 described above, in ST612, the server apparatus 50B receives the first instruction as a response to the API executed by the server apparatus 40 in ST610. The server device 40 can be notified that the two remittance has been executed. Thereafter, in ST613, server device 40 notifies seller's server device 30 that the second remittance has been executed.

  Thereafter, by repeating the above-described ST601 to ST613, the information processing system 1 can periodically execute the mobile phone usage fee settlement between the purchaser and the seller (communication carrier).

  In addition, about the matter illustrated in the above (Example 1) to (Example 11), when the settlement between the purchaser and the seller is performed every month, for example, the total number of days included in each of January to December is each month This is not necessarily the same, so it may not be said that such settlement is executed strictly “periodically”, but at least “substantially regularly” is executed. it can. Therefore, in the present specification, for the matters exemplified in the above (Example 1) to (Example 11), between the purchaser and the seller, once or more every week, once or more every month, once every quarter Alternatively, a settlement executed at a frequency selected from the group including a plurality of times, once or a plurality of times every year, and once or a plurality of times in a certain period is a settlement that is executed on a regular basis. It is understood that there is.

  As described above, according to the information processing system 1 described with reference to FIG. 12 and FIG. 13, the new settlement method is performed between the purchaser and the seller (and financial institutions and settlement agent companies as necessary). It is also possible to apply to substantially periodic settlement between the purchaser and the seller only by giving consent at the time of application. Such a new settlement method can be used for the purchaser with a sense similar to that of an existing account transfer (account transfer). Unlike the existing account transfer (account transfer), such a new settlement method reduces the labor for the purchaser because it is not necessary for the purchaser to write in the necessary documents at the time of application.

  For sellers, they only need to agree with the purchaser (and financial institutions and settlement agent companies as needed) when applying for the purchaser. Payment methods can be applied. This helps sellers avoid omissions by buyers for fees that require regular payments, and because buyers refrain from making regular payments, The decrease in new contracts and the increase in cancellations can be suppressed. Furthermore, since the seller can eliminate the need for written exchanges with the purchaser (financial institutions as necessary) required for existing account transfers (account transfers), costs and effort are reduced. Can be suppressed.

  Furthermore, since the new settlement method can be used as a settlement means instead of a credit card and account transfer (account transfer), it is possible to reduce a fee generated by a credit card settlement and account transfer (account transfer).

  Furthermore, in the case of using an existing account transfer (bank transfer), the merchant has an account between the buyer's account established at the financial institution and the seller's account established at the financial institution. In order to execute a transfer (account transfer), a predetermined fee must be paid for each transaction to a storage organization interposed between the seller and the financial institution. On the other hand, according to the new settlement method, the seller does not need to pay any fee to the storage organization, so for example, a service or a product whose price is reduced by the fee is given to the purchaser. Can be provided.

  The various embodiments described above can be implemented in combination with each other as long as no contradiction occurs.

  As described above, the server device (processing device) operated by the settlement agent company instructs the server device operated by a certain financial institution to perform the first remittance (transfer from the purchaser's account to the account of the settlement agent company). And execute the second remittance (transfer from the settlement agent's account to the seller's account) to a server device operated by the same financial institution as this financial institution or another financial institution different from this financial institution. The technical idea of executing the above has been described by taking various embodiments incorporating various technical features that are not essential for realizing the technical idea as examples. However, the technical scope of the invention described in the claims is determined based on the description of the claims, and includes technical features that are merely illustrated in the detailed description of the invention. Needless to say, the present invention is not limited to those having the same.

  The processes and procedures described in the present specification can be realized not only by those explicitly described in the embodiment but also by software, hardware, or a combination thereof. Specifically, the processes and procedures described in this specification are realized by mounting logic corresponding to the processes on a medium such as an integrated circuit, a volatile memory, a nonvolatile memory, a magnetic disk, or an optical storage. Is done. Further, the processes and procedures described in this specification can be implemented as a computer program and executed by various computers.

  Even though the processes and procedures described herein are described as being performed by a single device, software, component, or module, such processes or procedures may include multiple devices, multiple software, It may be executed by multiple components and / or multiple modules. Further, even if it is described that the data, table, or database described in this specification is stored in a single memory, such data, table, or database may be stored in a single device. Or a plurality of memories arranged in a distributed manner in a plurality of devices. Further, the software and hardware elements described herein may be realized by integrating them into fewer components or by disassembling them into more components.

DESCRIPTION OF SYMBOLS 10 Communication network 20 Terminal device operated by purchaser 30 Server device operated by seller 40 Server device operated by settlement agency 50 Server device operated by financial institution 50A Server device 50B performing first remittance 50B 2 Remittance server device 100 Communication unit 110 Control unit 111 Purchaser management unit 112 Seller management unit 113 Financial institution management unit 114 Settlement / withdrawal unit 115 Settlement / payment deposit unit 116 Balance management unit 120 Storage unit 200 Communication unit 210 Control Part 211 management part 212 first remittance part 213 second remittance part 220 storage part

Claims (19)

A processing device operated by a payment agency that performs substantially periodic payments between a purchaser and a seller,
A receiving means for receiving a request signal for requesting the payment from the server device operated by the seller via a communication line at a first frequency;
A first instruction signal for instructing to transfer the money from the purchaser's account established in the financial institution specified by the request signal to the settlement agent company's account established in the financial institution First instruction means for transmitting to a server device operated by the financial institution via a communication line;
Instructing that the money is transferred from the account of the settlement agent established in the selected financial institution to the account of the seller established in the financial institution set by the seller Second instruction means for transmitting an instruction signal to a server device operated by the selected financial institution via a communication line;
A processing apparatus comprising:   The first frequency is once or more every week, once or more times every month, once or more times every quarter, once or more times every year, and once or more times in a certain period. The processing apparatus according to claim 1, wherein the processing apparatus is selected from a group including and is constant or variable. The first instruction means transmits the first instruction signal at a second frequency;
The second frequency is one or more times a week, one or more times a month, one or more times a quarter, one or more times a year, and one or more times in a certain period. The processing apparatus according to claim 1, wherein the processing apparatus is selected from a group including and is constant or variable.   The processing apparatus according to claim 3, wherein the second frequency is designated by the purchaser or the seller. The second instruction means transmits the second instruction signal at a third frequency;
The third frequency is one or more times a week, one or more times a month, one or more times a quarter, one or more times a year, and one or more times in a certain period. The processing apparatus according to any one of claims 1 to 4, wherein the processing apparatus is selected from a group including and is constant or variable.   The processing apparatus according to claim 5, wherein the third frequency is designated by the seller.   The first instructing means transmits the price from an account opened at a financial institution specified by the request signal among accounts opened at a plurality of financial institutions set for the purchaser. The processing apparatus according to claim 1, wherein a first instruction signal for instructing is generated.   The second instruction means instructs to transfer the price to an account opened at a selected financial institution among accounts opened at a plurality of financial institutions set for the seller. The processing device according to claim 1, wherein the processing device generates a second instruction signal.   The financial institution in which the buyer's account specified by the request signal is opened and the financial institution in which the seller's account set by the seller is opened are the same or different, The processing apparatus in any one of Claims 1-8.   The processing apparatus according to claim 1, wherein the selected financial institution is the same as or different from the financial institution where the seller's account set by the seller is opened. . Storage means for storing balances of accounts of a plurality of financial institutions held by the settlement agent company;
Balance adjustment means for transferring money from an account of a financial institution having a balance exceeding the upper limit to another financial institution having a balance lower than the lower limit among a plurality of financial institution accounts held by the settlement agency When,
The processing apparatus according to any one of claims 1 to 10, further comprising: Further comprising first permission information acquisition means for acquiring first permission information for using the first interface from the purchaser and the financial institution receiving the first instruction signal;
The first instruction means transmits the first instruction signal to the server device operated by the financial institution via the first interface permitted by the first permission information.
The processing apparatus in any one of Claims 1-11. Further comprising second permission information acquisition means for acquiring second permission information for using a second interface from the seller and the financial institution receiving the second instruction signal;
The second instruction means transmits the second instruction signal to the server device operated by the selected financial institution via the second interface permitted by the second permission information. Item 13. The processing apparatus according to any one of Items 12. A server device operated by a financial institution connected via a communication line to a processing device operated by a payment agency that performs substantially periodic payments between a purchaser and a seller. ,
Receiving means for receiving at a second frequency a first instruction signal indicating that remittance is instructed from the processing device via a communication line;
Remittance means for remittance of the money from the purchaser's account to the settlement agent's account in accordance with the first instruction signal;
A server device comprising: A server device operated by a financial institution connected via a communication line to a processing device operated by a payment agency that performs substantially periodic payments between a purchaser and a seller. ,
Receiving means for receiving at a third frequency a second instruction signal indicating that remittance is instructed from the processing device via a communication line;
Remittance means for remittance of the price from the account of the settlement agent company to the account of the seller established by the financial institution or a financial institution different from the financial institution according to the second instruction signal;
A server device comprising: A method of using a processing device operated by a payment agency that performs substantially periodic payments between a purchaser and a seller,
Receiving a request signal for requesting the payment from the server device operated by the seller via a communication line at a first frequency; and
A first instruction signal for instructing to transfer the money from the purchaser's account established in the financial institution specified by the request signal to the settlement agent company's account established in the financial institution Transmitting to a server device operated by the financial institution via a communication line,
After the first instruction step, the payment is made from the account of the settlement agent established at the selected financial institution to the account of the seller established at the financial institution set by the seller. A second instruction step of transmitting a second instruction signal instructing remittance to a server device operated by the selected financial institution via a communication line;
Including usage. Method of using a server apparatus operated by a financial institution connected via a communication line to a processing apparatus operated by a payment agency that performs substantially periodic payments between a purchaser and a seller Because
Receiving a first instruction signal indicating that remittance is instructed from the processing device via a communication line at a second frequency;
According to the first instruction signal, a remittance step of transferring the money from the purchaser's account to the settlement agent's account;
Including usage. Method of using a server apparatus operated by a financial institution connected via a communication line to a processing apparatus operated by a payment agency that performs substantially periodic payments between a purchaser and a seller Because
Receiving a second instruction signal indicating that remittance is instructed from the processing device via a communication line at a third frequency;
According to the second instruction signal, a remittance step of transferring the money from the account of the settlement agent company to the account of the seller opened by the financial institution or a financial institution different from the financial institution;
Including usage. Computer
A means included in a processing device operated by a payment agency that performs substantially periodic payments between a purchaser and a seller,
Receiving means for receiving a request signal for requesting the payment from the server device operated by the seller via a communication line at a first frequency;
A first instruction signal for instructing to transfer the money from the purchaser's account established in the financial institution specified by the request signal to the settlement agent company's account established in the financial institution First instruction means for transmitting to a server device operated by the financial institution via a communication line, and
Instructing that the money is transferred from the account of the settlement agent established in the selected financial institution to the account of the seller established in the financial institution set by the seller Second instruction means for transmitting an instruction signal to a server device operated by the selected financial institution via a communication line;
A computer program that functions as a computer program.

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