JP2020038578A - Message settlement system, message settlement device, message settlement method, and message settlement program - Google Patents

Abstract

To provide a message settlement system, a message settlement device, a message settlement method, and a message settlement program for confirming purchase of a product by e-mail or SNS.SOLUTION: A message settlement system according to the present invention includes product storage means for storing product data, registration storage means for storing registration data including registrant identification data, online account, and settlement method data, product screen display control means for controlling product data so as to be displayed on a terminal device, purchase confirmation notification means for transmitting a purchase confirmation notification including purchase details data of the product to the terminal device on the basis of the online account when the purchase product is determined, payment processing screen display control means for controlling the terminal device to display a product payment processing screen when purchase confirmation display of the product included in the purchase confirmation notification is selected, and payment execution means for executing product payment processing in response to entry of settlement approval.SELECTED DRAWING: Figure 3

Description

  The present invention relates to a message settlement system, a message settlement device, a message settlement method, and a message settlement program.

  Conventionally, mobile terminal payments from credit cards or bank accounts registered on mobile terminals by scanning barcodes and QR codes (registered trademark) with the camera of mobile terminals such as smartphones and confirming the payment amount have been expanding. For example, scanning the bar code printed on the payment slip such as electricity bill with the mobile terminal, confirming the amount displayed on the mobile terminal, and inputting the password for payment authentication set by the user into the mobile terminal. Payment processing was completed to complete the payment. Further, conventionally, in the face-to-face payment, a charge amount is displayed as a QR code (registered trademark) on a screen of a tablet or the like, and the payment is performed by scanning with a mobile terminal.

  However, in the conventional payment processing, there was a problem that there was no online payment mechanism for confirming the purchase of a product by e-mail or SNS.

  SUMMARY OF THE INVENTION The present invention has been made in view of the above problems, and notifies a billing amount by e-mail or the like, confirms the amount of the e-mail or the like by a purchaser, and confirms the amount, URL, When the payment confirmation button is pressed, the process proceeds to payment processing, the purchaser confirms the payment amount displayed on the smartphone or the like, and the payment authentication PIN set by the purchaser is input to the smartphone or the like. An object of the present invention is to provide a message settlement system, a message settlement device, a message settlement method, and a message settlement program that can complete payment.

  In order to solve the above-described problems and achieve the object, a message settlement system according to the present invention enables a terminal device having an input / output unit, and a message settlement device having a storage unit and a control unit to communicate with each other. In a connected message payment system, the storage unit stores product data for storing product data of a product, registrant identification data of a registrant of online payment on the terminal device, online account and payment method data. Registration storage means for storing registration data including, the control unit, the product screen display control means for controlling the display of the product data on the terminal device, via the input / output unit of the terminal device When the purchase product is determined, the purchase confirmation notification including the purchase detailed data of the product is transmitted to the terminal device based on the online account. When the purchase confirmation display of the product included in the purchase confirmation notification is selected via the input confirmation notification unit and the input / output unit of the terminal device, the terminal device displays the payment processing screen of the product. Payment processing screen display control means, and payment execution means for executing payment processing of the product when payment approval is input via the input / output unit of the terminal device. I do.

  Further, in the message settlement system according to the present invention, the purchase confirmation notice is an e-mail or an SMS, MMS or SNS transmission message.

  In the message settlement system according to the present invention, the purchase confirmation display is a purchase confirmation button or a hyperlink for a purchase confirmation response.

  Further, in the message settlement system according to the present invention, the purchase detail data further includes a product description of the product and / or a total price.

  Further, in the message payment system according to the present invention, the payment execution means may include a code number and / or the payment approval including the payment method data on the payment processing screen via the input / output unit of the terminal device. When the password is input, it is confirmed that the personal identification number matches the registrant identification data corresponding to the payment method data, and the payment processing of the product is executed.

  Further, in the message settlement system according to the present invention, the payment execution unit may be configured to perform the payment of the product when the biometric data for the payment is input via the input / output unit of the terminal device and biometric authentication is performed. Processing is performed.

  Further, in the message settlement system according to the present invention, the payment executing means, via the input / output unit of the terminal device, when the biometric data to be approved for payment is input, and biometric authentication is performed, and When the password and / or the payment approval including the payment method data is input to the payment processing screen, confirm that the password and the registrant identification data corresponding to the payment method data match. The payment processing of the product is performed.

  Further, in the message payment system according to the present invention, the payment method data is bank payment data, credit card payment data, mobile carrier payment data, electronic money payment data, point payment data, and / or coupon payment data. It is characterized by.

  In the message settlement system according to the present invention, the product includes a service.

  Further, in the message settlement device according to the present invention, a message settlement device including a storage unit and a control unit, which is communicably connected to a terminal device including an input / output unit, wherein the storage unit includes A product storage unit for storing product data; a registration storage unit for storing registration data including a registrant identification data of a registrant of online payment at the terminal device, an online account, and payment method data; The unit is a product screen display control unit that controls the product data to be displayed on the terminal device, and when a purchased product is determined via the input / output unit of the terminal device, based on the online account, Purchase confirmation notifying means for transmitting a purchase confirmation notification including purchase details data of the product to the terminal device, and the purchase confirmation notification via the input / output unit of the terminal device. When the purchase confirmation display of the product included in the notification is selected, a payment process screen display control unit that controls the terminal device to display a payment process screen of the product, and the input / output unit of the terminal device. And payment execution means for executing a payment process for the product when a payment approval is input via the terminal.

  Further, the message settlement method according to the present invention provides a message settlement system for executing a message settlement system in which a terminal device having an input / output unit and a message settlement device having a storage unit and a control unit are communicably connected. The method, wherein the storage unit stores merchandise storage means for storing merchandise data of merchandise, and registration data including registrant identification data of a registrant of online payment at the terminal device, an online account, and payment method data. A product screen display control step of controlling the product data to be displayed on the terminal device, comprising: a registration storage unit for storing the product data; When a product is determined, a purchase confirmation notification including purchase detailed data of the product is sent to the terminal device based on the online account. Displaying a purchase confirmation display of the product included in the purchase confirmation notification via the input / output unit of the terminal device, and displaying a payment processing screen of the product on the terminal device. A payment processing screen display control step of controlling to cause the payment processing screen to be performed, and a payment execution step of executing the payment processing of the product when payment approval is input via the input / output unit of the terminal device. And

  Further, a message settlement method according to the present invention is a message settlement method for causing a message settlement device having a storage unit and a control unit, which is communicably connected to a terminal device having an input / output unit, to execute the message settlement method. A storage unit configured to store product data of a product; a registration storage storing registration data including a registrant identification data of a registrant of online payment in the terminal device, an online account, and payment method data; Means, a product screen display control step of controlling the product data to be displayed on the terminal device, the product product being executed by the control unit, and the purchased product is determined via the input / output unit of the terminal device. A purchase confirmation notification step of transmitting a purchase confirmation notification including purchase details data of the product to the terminal device based on the online account. A payment process for controlling the terminal device to display a payment processing screen of the product when a purchase confirmation display of the product included in the purchase confirmation notification is selected via the input / output unit of the terminal device; It is characterized by including a screen display control step and a payment execution step of executing payment processing of the product when payment approval is input via the input / output unit of the terminal device.

  Further, the message settlement program according to the present invention is a message settlement program that is communicably connected to a terminal device equipped with an input / output unit and is executed by a message settlement device equipped with a storage unit and a control unit. A storage unit configured to store product data of a product; a registration storage storing registration data including a registrant identification data of a registrant of online payment in the terminal device, an online account, and payment method data; Means, wherein the control unit controls a product screen display control step of displaying the product data on the terminal device, and a case where a purchased product is determined via the input / output unit of the terminal device. A purchase confirmation notification that transmits a purchase confirmation notification including purchase detailed data of the product to the terminal device based on the online account. Step: When the purchase confirmation display of the product included in the purchase confirmation notification is selected via the input / output unit of the terminal device, control is performed such that the payment processing screen of the product is displayed on the terminal device. A payment processing screen display control step and a payment execution step of executing a payment processing of the product when a payment approval is input through the input / output unit of the terminal device.

  ADVANTAGE OF THE INVENTION According to this invention, there exists an effect that transfer from a bank account and payment processing with a credit card can be performed only by screen confirmation and password input. Further, according to the present invention, there is an effect that the store can confirm payment at the same time as payment.

FIG. 1 is a diagram illustrating an example of online shopping in the present embodiment. FIG. 2 is a flowchart illustrating an example of the online payment processing according to the present embodiment. FIG. 3 is a block diagram illustrating an example of a configuration of the message payment system according to the present embodiment. FIG. 4 is a flowchart illustrating an example of processing of the message settlement system according to the present embodiment. FIG. 5 is a flowchart illustrating an example of the message settlement process according to the present embodiment. FIG. 6 is a flowchart illustrating an example of the message settlement process according to the present embodiment.

  An embodiment of the present invention will be described in detail with reference to the drawings. Note that the present invention is not limited by the present embodiment.

[1. Overview]
First, an outline of the present invention will be described with reference to FIGS. FIG. 1 is a diagram illustrating an example of online shopping in the present embodiment. FIG. 2 is a flowchart illustrating an example of the online payment processing according to the present embodiment.

  As shown in FIG. 1, conventionally, in a net shopping site, a user selects a product he / she wants to purchase, puts it in a cart, and proceeds to a payment screen when a payment amount is determined to perform payment processing. Here, as the payment processing, there are payment methods such as credit card payment, bank transfer, convenience store payment, and cash on delivery. The user selects a payment method, and in accordance with each payment method, a card number, a password, a transfer number. It was necessary to input data such as a previous account number or an account number on-line, or to go directly to a convenience store or a bank ATM. Conventionally, the store side also needs to perform a payment check corresponding to various payments, and to perform an immediate check or a payment check that requires several hours to several days.

  Therefore, as shown in FIG. 1, in the present embodiment, payment processing using a credit card or the like can be performed only by e-mail or SNS to confirm purchase and input a password on the payment screen.

  That is, as shown in FIG. 2, in the present embodiment, when the user decides on a purchase item and decides on the purchase item in online shopping, the purchase confirmation is transmitted to the user by e-mail or chat (step SA-1). ), When the user presses the confirmation button of the billing amount for e-mail or chat (step SA-2), the purchase price is displayed on the screen of the smartphone, and the user confirms the purchase price (step SA-3), The user inputs the password and approves the payment (step SA-4), whereby the payment is completed (step SA-5).

[2. Configuration of Message Payment System]
An example of a configuration of a message payment system in which the terminal device 100 according to the present embodiment and the server (message payment device) 200 are communicably connected will be described with reference to FIG. FIG. 3 is a block diagram illustrating an example of a configuration of the message payment system according to the present embodiment.

[Configuration of Terminal Device 100]
In FIG. 3, a terminal device 100 is a mobile phone, a smartphone, a tablet terminal, a mobile terminal such as a PHS or a PDA (Personal Digital Assistants), or an information processing device such as a desktop or notebook personal computer which is generally commercially available. It may be.

  The terminal device 100 includes a control unit 102, a storage unit 106, a photographing unit 110, and an input / output unit 112. Each unit included in the terminal device 100 is communicably connected via an arbitrary communication path. I have.

  The input / output unit 112 may have a function of performing data input / output (I / O). Here, the input / output unit 112 may be, for example, a key input unit, a touch panel, a control pad (for example, a touch pad and a game pad), a mouse, a keyboard, a microphone, and the like. In addition, the input / output unit 112 may be a display unit (for example, a display, a monitor, a touch panel, or the like) configured to display (input / output) information of an application or the like. Further, the input / output unit 112 may be an audio output unit (for example, a speaker or the like) that outputs audio information as audio.

  The image capturing unit 110 may be a camera or the like that records images (still images and moving images) captured by an image sensor such as a CCD image sensor or a CMOS image sensor as digital data.

  The terminal device 100 has a function of communicably connecting to another device via the network 300 and communicating data with the other device. Here, the network 300 has a function of connecting the terminal device 100 and the server 200 so that they can communicate with each other, and is, for example, the Internet and / or a LAN (Local Area Network).

  The storage unit 106 stores various databases, tables, and / or files. In the storage unit 106, a computer program for cooperating with an OS (Operating System) and giving instructions to a CPU (Central Processing Unit) to perform various processes is recorded. As the storage unit 106, for example, a random access memory (RAM), a read only memory (ROM), a hard disk drive (HDD), and / or a solid state drive (SSD) can be used. The storage unit 106 may store image data recorded by the imaging unit 110, data received via the network 300, and / or input data input via the input / output unit 112. .

  The control unit 102 is a CPU or the like that controls the terminal device 100 as a whole. The control unit 102 has an internal memory for storing a control program such as an OS, a program defining various processing procedures, required data, and the like, and performs various types of information processing based on the stored programs. Execute. For example, the control unit 102 obtains image data recorded by the imaging unit 110, reads character data (such as a URL) included in the image data, transmits / receives data via the network 300, and inputs / outputs via the input / output unit 112 Each processing such as acquisition of input data input and display of data (screen) on the output unit 114 may be executed.

[Configuration of Server 200]
3, the server 200 may be an information processing device such as a personal computer or a workstation. The server 200 includes a control unit 202 and a storage unit 206, and each unit included in the server 200 is communicably connected via an arbitrary communication path. The server 200 is communicably connected to the terminal device 100 via the network 300.

  The storage unit 206 stores various databases, tables, and / or files. The storage unit 206 stores a computer program for performing various processes by giving instructions to the CPU in cooperation with the OS. The storage unit 206 is a storage unit such as a RAM, a ROM, a HDD, and / or an SSD, and stores various databases and tables. The storage unit 206 includes a product database 206a and a registration database 206b functionally and conceptually.

  The product database 206a stores the product data of the product. Here, the product may include a service (service). The product data includes a product name, a product unit price, a product description, a product code, product image data, stock data (store stock data and / or manufacturer stock data, etc.), manufacturer data and / or sales company data, and the like. Is also good.

  The registration database (online payment application registration database) 206b stores registration data including registrant identification data of a registrant of online payment in the terminal device 100, an online account, and payment method data. Here, the payment method data may be bank payment data, credit card payment data, mobile carrier payment data, electronic money payment data, point payment data, and / or coupon payment data. As described above, in the present embodiment, various payment methods such as personal account data such as points, electronic money or local currency, or coupon data may be registered as a payment method (payment means). Further, the online account may be an e-mail account, a telephone number, and / or an SNS account. The registrant identification data includes a registrant name, a registrant address, a registrant telephone number, a registration password, a registrant terminal identification data (such as a MAC address), and / or a registrant email address. Is also good. Further, the bank settlement data may include an account number, an account name, a store number, and / or a deposit type code. Further, the credit card settlement data may include a card number, a security code, and / or expiration date data.

  The control unit 202 is a CPU or the like that controls the server 200 overall. The control unit 202 has an internal memory for storing a control program such as an OS, a program defining various processing procedures, required data, and the like, and performs various types of information processing based on the stored programs. Execute. The control unit 202 functionally comprises a product screen display control unit 202a, a purchase confirmation notification unit 202b, a payment processing screen display control unit 202c, and a payment execution unit 202d.

  The product screen display control unit 202a controls the terminal device 100 to display the product data. Here, the product screen display control unit 202a may control the terminal device 100 to display the shopping site screen of the product based on the product data.

  The purchase confirmation notification unit 202b transmits a purchase confirmation notification including the purchase details data of the product to the terminal device 100 based on the online account. Here, when a purchase item is determined via the input / output unit 112 of the terminal device 100, the purchase confirmation notification unit 202b sends a purchase confirmation notification including purchase details data to the terminal device 100 based on the online account. May be sent. In addition, when a purchase product is selected on the shopping site screen via the input / output unit 112 of the terminal device 100, the purchase confirmation notification unit 202b transmits a purchase confirmation notification including purchase details data of the product based on the online account. It may be transmitted to the terminal device 100. The purchase confirmation notice may be an e-mail (e-mail) or a transmission message of SMS (Short Message Service), MMS (Multimedia Messaging Service), or SNS (Social Networking Service). Further, the purchase confirmation notification unit 202b may control the terminal device 100 to display a purchase confirmation screen including purchase detailed data including a changeable purchase number of the product. The purchase details data may include a description of the product and / or a total price.

  The payment processing screen display control unit 202c controls the terminal device 100 to display the payment processing screen of the product. Here, when the purchase confirmation display of the product included in the purchase confirmation notification is selected via the input / output unit 112 of the terminal device 100, the payment processing screen display control unit 202c displays the payment processing screen of the product on the terminal device 100. You may control so that it may be displayed. The purchase confirmation display may be a purchase confirmation button, a hyperlink for a purchase confirmation response, or the like.

  The payment execution unit 202d executes a payment process for the product. Here, when the payment approval is input via the input / output unit 112 of the terminal device 100, the payment execution unit 202d may execute a payment process for the product. In addition, when a password and / or payment approval including payment method data is input to the payment processing screen via the input / output unit 112 of the terminal device 100, the payment execution unit 202d transmits the password and the payment method. It is also possible to confirm the coincidence with the registrant identification data corresponding to the data and execute the payment processing of the product. Further, the payment execution unit 202d may execute a payment process for a product when biometric data for payment approval is input via the input / output unit 112 of the terminal device 100 and biometric authentication is performed. That is, in the present embodiment, biometric authentication in the terminal device 100 may be set as an alternative to the password confirmation process. In addition, the payment execution unit 202d inputs biometric data for payment approval via the input / output unit 112 of the terminal device 100 and performs biometric authentication, and also displays a password and / or a password on the payment processing screen. When the payment approval including the payment method data is input, it is possible to confirm the coincidence between the personal identification number and the registrant identification data corresponding to the payment method data, and execute the payment processing of the product.

[3. Message payment system processing]
An example of the processing of the message settlement system according to the present embodiment will be described with reference to FIGS. FIG. 4 is a flowchart illustrating an example of processing of the message settlement system according to the present embodiment.

  As shown in FIG. 4, when a product registered on the product search screen via the input / output unit 112 of the terminal device (smartphone) 100 by a user who has registered the online payment application, a product screen display control unit 202a of the server 200 Controls the display of the shopping site screen of the product to be purchased on the input / output unit 112 of the smartphone 100 based on the product data stored in the product database 206a (step SB-1).

  Then, the purchase confirmation notifying unit 202b of the server 200 determines whether or not a purchased product is selected from purchase candidates on the shopping site screen via the input / output unit 112 of the terminal device 100 (Step SB-2).

  Then, when the purchase confirmation notification unit 202b of the server 200 determines that the purchased product has not been selected from the purchase candidates on the shopping site screen (step SB-2: No), the process ends.

  On the other hand, when the purchase confirmation notifying unit 202b of the server 200 determines that the purchased product has been selected from the purchase candidates on the shopping site screen (step SB-2: Yes), the process proceeds to step SB-3.

  Then, based on the online account included in the user's registration data stored in the online payment application registration database 206b, the purchase confirmation notification unit 202b of the server 200 transmits a purchase confirmation notification (e-mail or SNS) including the purchase details data of the product. Is transmitted to the smartphone 100 (step SB-3).

  Then, the payment processing screen display control unit 202c of the server 200 opens the purchase confirmation notification in the input / output unit 112 of the smartphone 100 by the user, and presses the product purchase confirmation button included in the purchase confirmation notification via the input / output unit 112. It is determined whether or not the selection has been made (step SB-4).

  When the payment processing screen display control unit 202c of the server 200 determines that the user did not select the purchase confirmation button for the product included in the purchase confirmation notification (step SB-4: No), the processing ends.

  On the other hand, when the payment processing screen display control unit 202c of the server 200 determines that the purchase confirmation button for the product included in the purchase confirmation notification is selected by the user (step SB-4: Yes), the processing proceeds to step SB-5. Migrate.

  Then, the payment processing screen display control unit 202c of the server 200 controls the payment processing screen of the product to be displayed on the input / output unit 112 of the smartphone 100 (step SB-5).

  Then, the payment processing screen display control unit 202c of the server 200 determines whether or not the user inputs the password and the payment approval including the credit card payment data on the payment processing screen via the input / output unit 112 of the smartphone 100. A determination is made (step SB-6).

  When the payment processing screen display control unit 202c of the server 200 determines that the user does not input the payment approval on the payment processing screen (step SB-6: No), the processing ends.

  On the other hand, when the payment processing screen display control unit 202c of the server 200 determines that the user has input the payment approval on the payment processing screen (step SB-6: Yes), the processing proceeds to step SB-7.

  Then, the payment execution unit 202d of the server 200 stores in the online payment application registration database 206b corresponding to the password included in the payment approval input by the user on the payment processing screen and the credit card payment data included in the payment approval. When it is confirmed that the registered password matches the registered password, the payment processing of the commodity is executed (step SB-7), and the processing is ended.

  Here, a specific example of the message settlement process in the present embodiment will be described with reference to FIGS. FIG. 5 and FIG. 6 are flowcharts showing an example of the message settlement process in the present embodiment.

[Message payment process (1)]
As shown in FIG. 5, in the present embodiment, when the user performs a product search on the mobile shopping site using the smartphone 100 and selects a purchased product (step SC- 1), the purchase details data of the product (“ An e-mail including a "product A900 yen") and a purchase confirmation radio button is transmitted to the smartphone 100, and the user opens the e-mail, and confirms the merchandise and the billing amount associated with the merchandise purchase to determine whether to buy or stop ( Step SC-2).

  In this embodiment, when the user selects the purchase confirmation radio button (“purchase”) of the product included in the e-mail, a payment processing screen for inputting a password for payment approval is displayed. When the password is input by the user (step SC-3), the payment is completed (step SC-4). As described above, in the present embodiment, the payment amount may be determined by exchanging e-mails in mobile shopping, and the payment may be requested.

[Message payment process (2)]
As shown in FIG. 6, in the present embodiment, when the user performs a product search on the mobile shopping site using the smartphone 100 and selects a purchased product (step SD-1), purchase details data of the product (“SD”). A SNS transmission message including the “product A900 yen”) and a purchase confirmation button is transmitted to the SNS application of the smartphone 100, and the user opens the transmission message, confirms the product and the billing amount associated with the product purchase, and determines whether to buy or stop. A decision is made (step SD-2).

  Then, in the present embodiment, when the purchase confirmation button (“purchase”) of the product included in the transmission message is selected by the user, a payment processing screen for inputting a password related to payment approval is displayed, When the password is input by the user (step SD-3), the payment is completed (step SD-4). As described above, in the present embodiment, the amount of payment may be determined by chat exchange in mobile shopping, and a payment request may be made.

  As described above, in the present embodiment, an example in which the mail payment is executed for the purchased product on the shopping site is shown. However, any payment such as payment for general billing mail or payment by individual mail billing is performed. May be used for e-mail payment.

[4. Other Embodiments]
The present invention may be embodied in various different embodiments within the scope of the technical idea described in the claims, in addition to the above-described embodiments.

  For example, among the processes described in the embodiment, all or some of the processes described as being performed automatically can be manually performed, or all of the processes described as being performed manually can be performed. Alternatively, a part thereof can be automatically performed by a known method.

  In addition, the processing procedures, control procedures, specific names, information including parameters such as registration data and search conditions of each processing, screen examples, and database configurations shown in the present specification and drawings are not described unless otherwise specified. Can be changed arbitrarily.

  In addition, with respect to the terminal device 100, the server 200, and the financial institution system 600, the illustrated components are functionally conceptual and do not necessarily need to be physically configured as illustrated.

  For example, all or any part of the processing functions provided in the terminal device 100 and the server 200, particularly the processing functions performed by the control unit 102 and the control unit 202, are interpreted and executed by the CPU and the CPU. It may be realized by a program, or may be realized as hardware by wired logic. The program is recorded on a non-transitory computer-readable recording medium containing programmed instructions for causing the information processing apparatus to execute the processing described in the present embodiment. Is read mechanically. That is, in a storage unit such as a ROM or a hard disk drive (HDD), a computer program for giving instructions to the CPU in cooperation with the OS and performing various processes is recorded. The computer program is executed by being loaded into the RAM, and forms a control unit in cooperation with the CPU.

  The computer program may be stored in an application program server connected to the terminal device 100 and the server 200 via an arbitrary network 300, and may be downloaded in whole or in part as necessary. Is also possible.

  Further, a program for executing the processing described in the present embodiment may be stored in a non-transitory computer-readable recording medium, or may be configured as a program product. Here, the “recording medium” refers to a memory card, a USB (Universal Serial Bus) memory, an SD (Secure Digital) card, a flexible disk, a magneto-optical disk, a ROM, an EPROM (Erasable Programmable Read Only Memory), and an EEPROM (registered). Trademarks) (Electrically Erasable and Programmable Read Only Memory), CD-ROMs (Compact Disk Read Only Memory), MOs (Magneto-Optical and Digital, Digital, Digital and Digital), DVDs (Digital and Digital Digital, Digital and Digital) Any "portable physical media It is intended to include.

  The “program” is a data processing method described in an arbitrary language or description method, and may be in any form such as a source code or a binary code. The "program" is not necessarily limited to a single program, but may be distributed as a plurality of modules or libraries, or may achieve its function in cooperation with a separate program represented by an OS. Including things. Note that a known configuration and procedure can be used for a specific configuration and a reading procedure for reading a recording medium in each apparatus described in the present embodiment, an installation procedure after reading, and the like.

  Various databases and the like stored in the storage unit 106 and the storage unit 206 are storage devices such as a memory device such as a RAM and a ROM, a fixed disk device such as a hard disk, a flexible disk, and an optical disk. Stores various programs, tables, databases, web page files, etc. used for providing.

  Further, the terminal device 100 and the server 200 may be configured as an information processing device such as a known personal computer or a workstation, or may be configured as an information processing device to which an arbitrary peripheral device is connected. Further, the terminal device 100 and the server 200 may be realized by mounting software (including a program or data) for realizing the processing described in the present embodiment on the device.

  Furthermore, the specific form of the distribution / integration of the apparatus is not limited to the illustrated one, and all or a part of the apparatus may be functionally or physically Can be configured to be distributed and integrated. That is, the above-described embodiments may be arbitrarily combined and implemented, or the embodiments may be selectively implemented.

  INDUSTRIAL APPLICATION This invention is useful in the financial industry which performs a mobile payment business.

Reference Signs List 100 terminal device 102 control unit 106 storage unit 110 imaging unit 112 input / output unit 200 server 202 control unit 202a product screen display control unit 202b purchase confirmation notification unit 202c payment processing screen display control unit 202d payment execution unit 206 storage unit 206a product database 206b Registration Database 300 Network

Claims (13)

A terminal device having an input / output unit, and a message settlement system communicably connected to a message settlement device having a storage unit and a control unit,
The storage unit,
Product storage means for storing product data of the product;
Registration storage means for storing registration data including registrant identification data of a registrant of online payment at the terminal device, online account and payment method data,
With
The control unit includes:
Product screen display control means for controlling the product data to be displayed on the terminal device,
When a purchased product is determined via the input / output unit of the terminal device, a purchase confirmation notifying unit that transmits a purchase confirmation notification including purchase detailed data of the product to the terminal device based on the online account,
When the purchase confirmation display of the product included in the purchase confirmation notification is selected via the input / output unit of the terminal device, a payment processing screen that controls the terminal device to display a payment processing screen of the product. Display control means;
When payment approval is input via the input / output unit of the terminal device, payment execution means for executing payment processing of the product,
A message payment system comprising: The purchase confirmation notice,
The message settlement system according to claim 1, wherein the message settlement system is an e-mail or an SMS, MMS, or SNS transmission message. The purchase confirmation display,
The message settlement system according to claim 1, wherein the message settlement system is a purchase confirmation button or a hyperlink for a purchase confirmation response. The purchase details data is
4. The message settlement system according to claim 1, further comprising a description of the product and / or a total price. The payment execution means,
When the password and / or the payment approval including the payment method data is input to the payment processing screen via the input / output unit of the terminal device, the password corresponds to the password and the payment method data. The message settlement system according to any one of claims 1 to 4, wherein a match with the registrant identification data is confirmed, and payment processing of the product is executed. The payment execution means,
The biometric data to be approved for payment is input via the input / output unit of the terminal device, and when biometric authentication is performed, payment processing of the product is executed. Message settlement system according to one. The payment execution means,
The biometric data for payment approval is input via the input / output unit of the terminal device, and when the biometric authentication is performed, and the payment processing screen includes a password and / or the payment method data. The method according to claim 1, wherein when the payment approval is input, a check is made between the personal identification number and the registrant identification data corresponding to the payment method data to execute payment processing of the product. 4. The message settlement system according to any one of 4. The payment method data includes:
8. The payment method according to claim 1, wherein the payment data is bank payment data, credit card payment data, mobile carrier payment data, electronic money payment data, point payment data, and / or coupon payment data. Message payment system. The product is
The message settlement system according to any one of claims 1 to 8, comprising a service. A message settlement device including a storage unit and a control unit, which is communicably connected to a terminal device including an input / output unit,
The storage unit,
Product storage means for storing product data of the product;
Registration storage means for storing registration data including registrant identification data of a registrant of online payment at the terminal device, online account and payment method data,
With
The control unit includes:
Product screen display control means for controlling the product data to be displayed on the terminal device,
When a purchased product is determined via the input / output unit of the terminal device, a purchase confirmation notifying unit that transmits a purchase confirmation notification including purchase detailed data of the product to the terminal device based on the online account,
When the purchase confirmation display of the product included in the purchase confirmation notification is selected via the input / output unit of the terminal device, a payment processing screen that controls the terminal device to display a payment processing screen of the product. Display control means;
When payment approval is input via the input / output unit of the terminal device, payment execution means for executing payment processing of the product,
A message settlement device comprising: A terminal device having an input / output unit, and a message settlement method for executing a message settlement system communicably connected to a message settlement device having a storage unit and a control unit,
The storage unit,
Product storage means for storing product data of the product;
Registration storage means for storing registration data including registrant identification data of a registrant of online payment at the terminal device, online account and payment method data,
With
Executed by the control unit,
A product screen display control step of controlling the product data to be displayed on the terminal device;
When a purchased product is determined via the input / output unit of the terminal device, a purchase confirmation notification step of transmitting a purchase confirmation notification including purchase details data of the product to the terminal device based on the online account,
When the purchase confirmation display of the product included in the purchase confirmation notification is selected via the input / output unit of the terminal device, a payment processing screen that controls the terminal device to display a payment processing screen of the product. A display control step;
When payment approval is input via the input / output unit of the terminal device, a payment execution step of executing payment processing of the product,
A message settlement method comprising: A message settlement method to be executed by a message settlement device having a storage unit and a control unit, which is communicably connected to a terminal device having an input / output unit,
The storage unit,
Product storage means for storing product data of the product;
Registration storage means for storing registration data including registrant identification data of a registrant of online payment at the terminal device, online account and payment method data,
With
Executed by the control unit,
A product screen display control step of controlling the product data to be displayed on the terminal device;
When a purchased product is determined via the input / output unit of the terminal device, a purchase confirmation notification step of transmitting a purchase confirmation notification including purchase details data of the product to the terminal device based on the online account,
When the purchase confirmation display of the product included in the purchase confirmation notification is selected via the input / output unit of the terminal device, a payment processing screen that controls the payment processing screen of the product to be displayed on the terminal device. A display control step;
When payment approval is input via the input / output unit of the terminal device, a payment execution step of executing payment processing of the product;
A message settlement method comprising: A message settlement program to be executed by a message settlement device having a storage unit and a control unit, which is communicably connected to a terminal device having an input / output unit,
The storage unit,
Product storage means for storing product data of the product;
Registration storage means for storing registration data including registrant identification data of a registrant of online payment at the terminal device, online account and payment method data,
With
In the control unit,
A product screen display control step of controlling the product data to be displayed on the terminal device;
When a purchased product is determined via the input / output unit of the terminal device, a purchase confirmation notification step of transmitting a purchase confirmation notification including purchase details data of the product to the terminal device based on the online account,
When the purchase confirmation display of the product included in the purchase confirmation notification is selected via the input / output unit of the terminal device, a payment processing screen that controls the terminal device to display a payment processing screen of the product. A display control step;
When payment approval is input via the input / output unit of the terminal device, a payment execution step of executing payment processing of the product,
A message payment program to execute.