JP2020170462A - Settlement processing system, settlement processing method, server and program - Google Patents

Abstract

To provide a settlement art that performs online transactions fairly, and can prevent a leak of a credit card number.SOLUTION: According to a settlement processing method, a transaction destination server 100 is configured to cause transaction information indicative of a content of transaction with a transaction destination of a user terminal 300 to be stored in a storage device, and a credit card company server 200 is configured to, when acquiring the transaction information on the user terminal 300, show a one-time ID with respect to the acquired transaction information to the user terminal 300, and cause the storage device to store the acquired transaction information in association with the one-time ID. The server 100 is configured to acquire, from the user terminal 300, the one-time ID input from the user terminal 300, and transmit the acquired one-time ID to the server 200. The server 200 is configured to, when the one-time ID acquired from the server 100 is valid, transmit the transaction information in association with the one-time ID to the server 100, and the server 100 is configured to collate the transaction information acquired from the server 200 with the transaction information stored in the storage device.SELECTED DRAWING: Figure 10

Description

The present invention relates to a payment processing system, a payment processing method, a server, and a program.

Patent Document 1 describes an example of a payment method on the Internet or a mobile phone communication network. In the payment method of Patent Document 1, an intermediary company that mediates payment between the buyer and the seller issues a one-time authentication ID every time the buyer wishes to purchase a product or content and informs the buyer of the authentication. The ID and the amount of the applied product or content are saved in the database, the buyer inputs the authentication ID issued by the intermediary to the seller instead of the credit card number and membership number, and the seller is input by the buyer. Inquire the middleman about the authentication ID and the amount of the product or content that the buyer wants to purchase, and settle the payment. As a result, the buyer can make a payment without telling the seller personal information.

In Patent Documents 2 and 3, the payment process is performed by inputting the one-time ID issued by the settlement institution and inquiring without inputting the credit card number, thereby preventing the leakage of the credit card number and the like. It is stated that.

Japanese Unexamined Patent Publication No. 2005-1158585 Japanese Unexamined Patent Publication No. 2008-004042 JP-A-2002-007921

However, in the above-mentioned payment processing method, there is no viewpoint of preventing fraudulent charges from stores. Furthermore, since the product purchaser inputs and applies for transaction information, there is a possibility that an input error may occur.

The present invention has been made in view of the above circumstances, and an object of the present invention is to provide a payment technique for conducting fair transactions on the Internet and preventing leakage of credit card numbers.

In each aspect of the present invention, the following configurations are adopted in order to solve the above-mentioned problems.

The first aspect concerns the server.
The first server related to the first aspect is
A storage processing means for storing transaction information indicating the contents of a transaction between a user and a business partner in a storage means,
A transmission means for transmitting the transaction information to the user terminal of the user, and
In response to the settlement request of the transaction from the user terminal, the user terminal is requested to use the transaction identification information that can be used only once for the transaction, and the transaction identification information input by the user is acquired from the user terminal. Settlement request receiving means and
When the transaction information is acquired from the server of the credit card company as a result of the determination that the credit card payment is possible on the server of the credit card company, the acquired transaction information and the transaction stored in the storage means are stored. It has a collation means for collating with information.
The second server related to the first aspect is
When transaction information indicating the content of a transaction between a user and a business partner is acquired from a user terminal, transaction specific information that can be used only once for the transaction of the acquired transaction information is issued and presented to the user terminal. Issuing means to be
A storage processing means for associating the issued transaction specific information with the transaction information acquired from the user terminal and storing it in the storage means.
When the transaction identification information input by the user is acquired from the server of the business partner, when the acquired transaction identification information is valid, it is associated with the transaction identification information and stored in the storage means. It has a transmission means for transmitting the transaction information to the server of the business partner.

The second aspect relates to a payment processing method performed by at least one computer. The payment processing method related to the second aspect is
The first server and
A payment processing method in a payment processing system including a second server.
The first server
The transaction information indicating the contents of the transaction between the user of the user terminal and the business partner is stored in the storage means.
The second server
When the transaction information indicating the content of the transaction between the user of the user terminal and the business partner is acquired from the user terminal, the transaction specific information that can be used only once for the transaction of the acquired transaction information is obtained. Present it to the user terminal
The transaction specific information is associated with the acquired transaction information and stored in a storage means.
The first server
In response to the settlement request of the transaction from the user terminal, the user terminal is requested to have the transaction identification information corresponding to the transaction, and the transaction identification information input by the user is acquired from the user terminal.
The acquired transaction specific information is transmitted to the second server,
The second server
When the transaction identification information is acquired from the first server, when the acquired transaction identification information is valid, the transaction information linked to the transaction identification information and stored in the storage means is stored in the first storage means. Send to the server of
The first server
When the transaction information is acquired from the second server, the acquired transaction information is collated with the transaction information stored in the storage means.

As another aspect of the present invention, it may be a program that causes at least one computer to execute the method of the second aspect, or a recording medium that can be read by a computer that records such a program. You may. This recording medium includes non-temporary tangible media.
This computer program contains computer program code that causes the computer to implement its control method on a server when executed by the computer.

It should be noted that any combination of the above components and the conversion of the expression of the present invention between methods, devices, systems, recording media, computer programs and the like are also effective as aspects of the present invention.

Further, the various components of the present invention do not necessarily have to be individually independent, and a plurality of components are formed as one member, and one component is formed of a plurality of members. It may be that a certain component is a part of another component, a part of a certain component overlaps with a part of another component, and the like.

Further, although the method and the computer program of the present invention describe a plurality of procedures in order, the order of description does not limit the order in which the plurality of procedures are executed. Therefore, when implementing the method and computer program of the present invention, the order of the plurality of procedures can be changed within a range that does not hinder the contents.

Furthermore, the methods of the present invention and the plurality of procedures of a computer program are not limited to being executed at different timings. Therefore, another procedure may occur during the execution of a certain procedure, or a part or all of the execution timing of the certain procedure and the execution timing of the other procedure may overlap.

According to each of the above aspects, it is possible to provide a payment technology that allows fair transactions on the Internet and prevents leakage of credit card numbers.

It is a figure which conceptually shows the structure of the settlement processing system which concerns on embodiment of this invention. It is a block diagram which shows an example of the structure of the computer which realizes each apparatus of FIG. It is a functional block diagram which shows the logical structure of the business partner server of 1st Embodiment. It is a figure which shows an example of the data structure of the transaction information stored in the storage device of the business partner server. It is a figure which shows the example of the transaction information presentation screen. It is a figure which shows an example of a one-time ID input screen. It is a functional block diagram which shows the logical structure of the credit card company server of 1st Embodiment. It is a figure which shows an example of the data structure of the transaction information stored in the storage device of a credit card company server. It is a figure which shows an example of the one-time ID presentation screen. It is a flow chart which shows an example of the payment processing method of the payment processing system of this embodiment. It is a figure which shows an example of a login screen. It is a functional block diagram which shows the logical structure of the business partner server of the 2nd Embodiment. It is a figure which shows an example of the transaction list screen. It is a functional block diagram which shows the logical structure of the credit card company server of 2nd Embodiment. It is a figure for demonstrating the collation of transaction information by the collation part of the credit card company server. It is a figure which shows an example of the data structure of the card information stored in the storage device of a credit card company server.

Hereinafter, embodiments of the present invention will be described with reference to the drawings. In all drawings, similar components are designated by the same reference numerals, and description thereof will be omitted as appropriate.

In the embodiment, "acquisition" means that the own device retrieves data or information stored in another device or storage medium (active acquisition), and is output to the own device from the other device. Includes at least one of entering data or information (passive acquisition). Examples of active acquisition include making a request or inquiry to another device and receiving the reply, and accessing and reading another device or storage medium. In addition, an example of passive acquisition may be receiving information to be delivered (or transmitted, push notification, etc.). Further, the “acquisition” may be to select and acquire the received data or information, or to select and receive the delivered data or information.

(First Embodiment)
FIG. 1 is a diagram conceptually showing a configuration of a payment processing system 1 according to an embodiment of the present invention. The payment processing system 1 of the present embodiment prevents leakage of personal information in credit card payment processing on the Internet. In the present embodiment, the credit card payment processing on the Internet is, for example, the purchase price of products and various contents on the communication network 3 such as the Internet, tickets (movies, concerts, theaters, airline tickets, passports, etc.) and various services. It is assumed that it will be done when paying the application fee (services such as tour, beauty treatment salon, gym, rental, childcare, correspondence education, qualification examination, delivery, moving, various agency services), taxes and utility charges.

In addition, the payment processing method provided by the payment processing system 1 of the present embodiment is not limited to payment processing using a credit card, but also for payment processing that requires a predetermined number to be input at the time of payment processing, such as withdrawal from a prepaid card. Can be applied in the same way.

The payment processing system 1 includes a business partner server 100 and a credit card company server 200. The business partner server 100 and the credit card company server 200 are connected via the communication network 3.

The business partner server 100 manages transactions between the user U and at least one business partner who publishes a website on the Internet and provides products and services to the user. The user U accesses the Internet using the user terminal 300, browses the websites 10a and 10b of the business partners A, B, etc. (hereinafter, referred to as the website 10 when there is no particular need to distinguish). Purchase products and apply for services online.

The credit card company server 200 is a server of a credit card company, a credit card issuing company, a member store management company, a credit sales company, or the like, or an institution or company entrusted with payment operations by these companies. The credit card company server 200 performs payment processing of the credit card used by the user for payment when the user makes a payment to the business partner due to a transaction with the business partner.

The storage device 140 and the storage device 240 are connected to the customer server 100 and the credit card company server 200, respectively. The storage device 140 and the storage device 240 may be included in the business partner server 100 and the credit card company server 200, respectively, or are storage devices provided outside the business partner server 100 and the credit card company server 200, respectively. May be good.

The user terminal 300 is a terminal device used by the user U, and is, for example, a personal computer, a tablet terminal, a smartphone, a mobile phone, or the like. The user terminal 300 may be the property of the user U or may be lent to the user. The mode in which the user U uses the service of the payment processing system 1 by using the user terminal 300 is exemplified below, but is not limited thereto.
(1) An application for using the service of the payment processing system 1 is installed on the user terminal 300. Then, the application installed on the user terminal 300 is started, the business partner server 100 or the credit card company server 200 is accessed from the application, and the user terminal 300 uses the service provided by the payment processing system 1.
(2) A browser is started on the user terminal 300 to access a predetermined website, and the user terminal 300 uses the service provided by the payment processing system 1.
(3) Using so-called SaaS (Software as a Service), an application for realizing the payment processing system 1 is executed on the business partner server 100 or the credit card company server 200, and the user terminal 300 uses the communication network 3 to execute the application. Use the service provided by the payment processing system 1 online.

The connection form between the business partner server 100, the credit card company server 200, and the user terminal 300 is not particularly limited, and is connected to at least one of wired and wireless. The communication method is not particularly limited, and each device may be connected to each other by a available communication method. As an example of the communication method, the user terminal 300 is a communication method according to a mobile phone or mobile data communication standard such as 4G (4th Generation) or LTE (Long Term Evolution), or a wireless LAN (Local Area Network) communication method. To connect to a communication network 3 such as the Internet via a relay device such as a base station or an access point (not shown).

When using the payment processing system 1, the user U makes a usage application. At the time of application for use, user registration information such as name, e-mail address, address (for example, address to which the product is delivered), telephone number, etc. are registered, and authentication information (user ID and password) is issued. .. This usage application is made to the business partner server 100. For example, the user terminal 300 can be used to access a predetermined website that accepts usage applications to apply, or the user terminal 300 can start a dedicated application and apply from the user registration menu.

When the user U uses the service of the payment processing system 1, the user U uses the user terminal 300 to access a predetermined website of the payment processing system 1 and obtains the above-mentioned authentication information (user ID and password). Log in using. Then, the website 10 of the business partner in the system is browsed, a product is purchased, or a service usage application is made. The authentication information may be changed by the user U.

After accessing the website 10 of the store and selecting the purchased product, the user may log in to the predetermined website of the payment processing system 1 when entering the payment processing. If the user terminal 300 is not logged in to the payment processing system 1 at the timing when the payment processing is started from the website 10 of each store, a message prompting the user terminal 300 to log in may be displayed.

Further, the user U makes an application in advance to the credit card company 12 of the credit card used for payment in the payment processing system 1 in order to use the credit card in the payment processing system 1. At the time of application, user registration information such as name, email address, address, telephone number, credit card number to be used, expiration date of the credit card, security code of the credit card, etc. are registered and authentication information (user). ID and password) will be issued.

This usage application is made to the credit card company server 200. For example, the user terminal 300 can be used to access a predetermined website that accepts applications to apply, or the user terminal 300 can start a dedicated application and apply from the user registration menu. Further, after submitting the application documents at the store of the credit card company 12 or by mail, the authentication information (for example, user ID and password) may be received by mail or e-mail.

This authentication information (user ID and password) is used when the user terminal 300 logs in to the credit card company server 200 at the time of payment processing in the payment processing system 1 described later.

FIG. 2 is a block diagram showing an example of the configuration of a computer 60 that realizes the business partner server 100, the credit card company server 200, and the user terminal 300 of the present embodiment. The business partner server 100, the credit card company server 200, and the user terminal 300 may each be composed of a plurality of computers 60. The business partner server 100 and the credit card company server 200 may be realized by a virtual server.

The computer 60 includes a CPU (Central Processing Unit) 62, a memory 64, a program 80 that realizes components of each server and a user terminal loaded in the memory 64, a storage 66 that stores the program 80, and I / O (Input / O). It includes an Output) 68 and an interface (communication I / F70) for connecting the communication network 3.

The CPU 62, the memory 64, the storage 66, the I / O 68, and the communication I / F 70 are connected to each other via the bus 69, and each server and the user terminal are controlled by the CPU 62. However, the method of connecting the CPU 62 and the like to each other is not limited to the bus connection.

The memory 64 is a memory such as a RAM (Random Access Memory) or a ROM (Read Only Memory). The storage 66 is a storage device such as a hard disk, an SSD (Solid State Drive), or a memory card.

The storage 66 may be a memory such as RAM or ROM. The storage 66 may be provided inside the computer 60, or may be provided outside the computer 60 and may be connected to the computer 60 by wire or wirelessly if the computer 60 is accessible. Alternatively, it may be detachably provided on the computer 60.

By the CPU 62 reading the program 80 stored in the storage 66 into the memory 64 and executing the program 80, each function of each unit of each server and user terminal described below can be realized.

The I / O 68 controls input / output of data and control signals between the computer 60 and other input / output devices. The other input / output devices include, for example, an input device 72 such as a keyboard, a touch panel, a mouse, and a microphone connected to the computer 60, and an output of a display (referred to as a display device 74 in the figure), a printer, a speaker, and the like. Includes a device (not shown) and an interface between these input / output devices and the computer 60. Further, the I / O 68 may perform data input / output control with a reading or writing device (not shown) of another recording medium.

The communication I / F 70 is a network connection interface for communicating between the computer 60 and an external device. The communication I / F 70 may be a network interface for connecting to a wired line or a network interface for connecting to a wireless line. For example, the computers 60 that realize each server and user terminal are connected to each other via the communication network 3 by the communication I / F 70.

Each component of each server and user terminal of the present embodiment described later is realized by an arbitrary combination of hardware and software of the computer 60 of FIG. And, it is understood by those skilled in the art that there are various modifications of the realization method and the device. The functional block diagram showing the business partner server 100 and the credit card company server 200 of each embodiment described below shows a logical functional unit block, not a hardware unit configuration. Further, in each figure, the configuration of the portion not related to the essence of the present invention is omitted and is not shown.

FIG. 3 is a functional block diagram showing a logical configuration of the business partner server 100 of the present embodiment.
The business partner server 100 includes a storage processing unit 102, a transaction information transmission unit 104, a settlement request reception unit 106, and a collation unit 108.
The storage processing unit 102 stores the transaction information 20 indicating the contents of the transaction between the user U and the business partner in the storage device 140.

FIG. 4A is a diagram showing an example of a data structure of transaction information 20 stored in the storage device 140 of the business partner server 100. The transaction information 20 is information indicating the contents of a transaction between the user U and the business partner, and is generated for each transaction. Information about the business partner of the transaction (indicated as "business partner information" in the figure), for example, the name of the business partner, the transaction ID (Identifier) that uniquely identifies the transaction, and the business partner from the user U by the transaction. Includes the amount to be paid to and the currency unit used. Further, in the data structure of each information in the present embodiment, a check code for detecting an error in the data may be included. By including the check code, it is possible to detect a transmission error during data transmission / reception between each device, so that the reliability of the data can be improved. In addition, there is a possibility that fraud such as data falsification can be detected, which is also a security measure.

The business partner information includes, for example, the store name of the online shopping website 10 and a link (URL (Uniform Resource Locator) address information) to the website 10. Further, the business partner information may include a business partner ID that uniquely identifies the business partner.

FIG. 4B is a diagram showing an example of a data structure when a plurality of transaction information 20 is stored in the storage device 140 of the customer server 100. For example, for each transaction ID, the transaction information 20, the transaction date and time, and the user ID that uniquely identifies the user U who made the transaction are associated and stored in the storage device 140. Alternatively, in another example, the user ID, the transaction ID (transaction information 20), and the transaction date and time may be associated with each user and stored in the storage device 140.

Returning to FIG. 3, the transaction information transmission unit 104 transmits the transaction information 20 to the user terminal 300 of the user U. The transaction information transmission unit 104 causes at least the display of the user terminal 300 (display device 74 in FIG. 2) to present the transaction information 20. For example, the user terminal 300 can access a predetermined web page and browse the transaction information 20. The user terminal 300 may store the acquired transaction information 20 in the storage device (memory 64 or storage 66 in FIG. 2) of the user terminal 300.

FIG. 5 is a diagram showing an example of a transaction information presentation screen 410 showing a result (transaction information 20) of a transaction for purchasing a product at an online shop. The transaction information presentation screen 410 displays the transaction ID, transaction date and time, customer information (indicated as shop information in the figure), product information to be purchased, and payment method as transaction information 20. The product information may include the product name, quantity, amount of money for each product, subtotal of purchased products, shipping fee, and billing amount. The payment method can be selected from credit card, cash on delivery, transfer from convenience stores and financial institutions, and so on. In addition to the above, the billed amount may include incidental costs such as wrapping costs.

The transaction information presentation screen 410 further includes a decision button 412 and a close button 414. The decision button 412 allows the user U to confirm the contents of the transaction information 20, select a payment method, and then press the button to further proceed with the payment procedure. When the close button 414 is pressed by the user U, the payment method selected by the user U is canceled and the transaction information presentation screen 410 is closed.

When the user U selects the credit card to be used for payment on the transaction information presentation screen 410 and the press of the enter button 412 is accepted, the display screen is transferred to the website of the credit card company 12 selected by the user U.

The timing at which the transaction information 20 is transmitted from the customer server 100 to the user terminal 300 is such that when the user terminal 300 accepts an operation for displaying the transaction information presentation screen 410, the decision button 412 on the transaction information presentation screen 410 is pressed. Examples thereof include when the user terminal 300 accepts the pressing of the operation button (not shown) of the download request of the transaction information 20.

The transaction information 20 uploaded from the business partner server 100 to the user terminal 300 by the transaction information transmission unit 104 is further uploaded to the credit card company server 200. The timing at which the transaction information 20 is uploaded to the credit card company server 200 is illustrated below.
(1) After the transaction information 20 is downloaded from the customer server 100 to the user terminal 300, (2) after displaying the transaction information presentation screen 410, the press of the decision button 412 on the transaction information presentation screen 410 is accepted. After (3) When transitioning to the login screen of the credit card company server 200 (4) Pressing the operation button (not shown) of the transaction information 20 transmission instruction on the website screen (not shown) of the credit card company server 200. When accepting

In the present embodiment, when the download request of the transaction information 20 is received, it is assumed that the user U has expressed the intention of closing the transaction to the business partner. For example, at the time of purchasing the product, the product is temporarily held at this point. .. Then, the business partner server 100 waits for the settlement process while temporarily holding the product.

The settlement request receiving unit 106 requests the user terminal 300 for transaction identification information that can be used only once for the transaction in response to the settlement request of the transaction from the user terminal 300, and the transaction identification information input by the user. Is acquired from the user terminal 300.

The transaction specific information is a uniquely determined character string having a plurality of digits issued by the credit card company server 200 for each transaction. For example, the character string of transaction specific information consists of a combination of a plurality of single-byte alphanumeric characters and symbols. Since the transaction specific information can be used only once, it is also called a one-time ID. In addition, the transaction specific information may have an expiration date. The expiration date is, for example, within 30 minutes after issuance.

FIG. 6 is a diagram showing an example of the one-time ID input screen 420. The one-time ID input screen 420 displays transaction ID, transaction date and time, customer information (indicated as shop information in the figure), and product information to be purchased as transaction information 20. Product information includes subtotals of purchased products, shipping costs, and billed amounts. Further, it has a detailed confirmation button 422 for confirming the product of the product information. When the detailed confirmation button 422 is pressed, information such as the product name, quantity, and amount of money for each product may be displayed on a separate window screen or the like. In addition, the product name may include a link (URL address, etc.) of the product page.

Further, the one-time ID input screen 420 includes a one-time ID input field 424, a payment button 426, and a cancel button 428. The one-time ID input field 424 receives the one-time ID input by the user U. With the payment button 426, the user U confirms the contents of the transaction information 20, further inputs the one-time ID, and then presses the button, so that the payment procedure can be further advanced. When the cancel button 428 is pressed by the user U, the payment process is canceled and the one-time ID input screen 420 is closed. At this time, the transaction information presentation screen 410 may be returned.

When the payment request receiving unit 106 accepts the pressing of the payment button 426 on the one-time ID input screen 420, it acquires the one-time ID entered in the one-time ID input field 424 and transmits it to the credit card company server 200.

Here, the timing of accepting the payment request from the user U is, for example, when the operation for instructing the settlement procedure of the transaction is received on the operation screen (not shown) of the business partner server 100 or the credit card company server 200, and , When the press of the back button 438 of the one-time ID presentation screen 430 of FIG. 9, which will be described later, is accepted.

When the collation unit 108 acquires transaction information from the credit card company server 200 as a result of determining that credit card payment is possible on the credit card company server 200, the acquired transaction information and the transaction information stored in the storage device 140 Match with 20.

FIG. 7 is a functional block diagram showing a logical configuration of the credit card company server 200 of the present embodiment.
The credit card company server 200 includes a storage processing unit 202, an issuing unit 204, and a transmitting unit 206.

The storage processing unit 202 associates the issued transaction specific information (one-time ID) with the transaction information 20 acquired from the user terminal 300 and stores it in the storage device 240.

FIG. 8A is a diagram showing an example of a data structure of transaction information 22 stored in the storage device 240 of the credit card company server 200. The transaction information 22 associates the transaction information 20 acquired from the user terminal 300 with the one-time ID issued for the transaction of the transaction information 20.

FIG. 8B is a diagram showing an example of a data structure when a plurality of transaction information 22 is stored in the storage device 240 of the credit card company server 200. For example, for each transaction ID, the transaction information 22 and the user ID that uniquely identifies the user U of the user terminal 300 that issued the one-time ID are associated and stored in the storage device 240. Alternatively, in another example, the user ID and the transaction ID (transaction information 22) may be associated with each user and stored in the storage device 240. In yet another example, the user ID and the transaction ID (transaction information 20) may be associated with each one-time ID and stored in the storage device 240.

When the issuing unit 204 acquires the transaction information 20 indicating the contents of the transaction between the user U and the business partner from the user terminal 300, the issuing unit 204 can use the transaction specific information (one) that can be used only once for the transaction of the acquired transaction information 20. A time ID) is issued and presented to the user terminal 300.

As a method of presenting the one-time ID, a method such as displaying on the display of the user terminal 300, sending an e-mail to the e-mail address of the user U, and sending a message to the telephone number of the user U can be considered.

FIG. 9 is a diagram showing an example of the one-time ID presentation screen 430. The one-time ID presentation screen 430 includes a one-time ID display field 432, a transaction ID display field 434, a business partner information display field 436, and a back button 438. As shown in the figure, at least a part of the transaction information 22 stored in the storage device 240 is read out and displayed in each display column. However, the display items are only examples, and the display items are not limited to these, and for example, information such as the user name or user ID of the user U, identification information for identifying the user, transaction date and time, billing amount, and the like may be displayed.

Further, the one-time ID presentation screen 430 may display the detailed contents of the transaction information 20 similar to the one-time ID input screen 420 of FIG. In this case, since the user U can confirm the breakdown of the billed amount, it can be confirmed that unnecessary expenses have not been illegally charged.

In the one-time ID display field 432, the one-time ID issued for the transaction is displayed. The transaction ID of the transaction is displayed in the transaction ID display field 434. In the supplier information display field 436, the supplier information of the transaction (indicated as "shop information" in the figure) is displayed. The displayed business partner information may include, for example, the store name of the online shopping website 10 that is the business partner, and a link (URL address information) to the online shop website 10. The back button 438 closes the one-time ID presentation screen 430 when it receives a press. At this time, you may return to the website of the business partner server 100.

When the transmission unit 206 acquires the transaction identification information (one-time ID) input by the user U from the customer server 100, the transaction identification information (one-time ID) is valid when the acquired transaction identification information (one-time ID) is valid. The transaction information 20 associated with the one-time ID) and stored in the storage device 240 is transmitted to the customer server 100. Here, the one-time ID is a one-time ID issued to the user terminal 300, and is determined to be valid when it is used for the first time.

A method for determining whether or not the one-time ID is used for the first time is exemplified below.
(1) When the one-time ID is received, the one-time ID of the transaction information 22 associated with the one-time ID is deleted. Therefore, if there is no one-time ID associated with the transaction information 22, it is determined that it has been used or has not been issued, and if there is the one-time ID, it is determined that it has been used for the first time.
(2) When the one-time ID is received, the one-time ID of the transaction information 22 associated with the one-time ID is rewritten into identification information indicating that the one-time ID has been used. It is determined whether or not it is used for the first time by referring to the identification information.
(3) The transaction information 22 is further associated with a flag indicating whether or not the one-time ID is used and stored. For example, the flag is set to 1 at the time of issuance, and the flag is reset to 0 at the time of reception. Alternatively, the flag is set to 0 at the time of issuance, and 1 is set to the flag at the time of reception. It is judged whether or not it is used for the first time by referring to the flag.
(4) The transaction information 22 is further associated with a counter indicating the number of times the one-time ID has been used and stored. For example, the counter is set to 0 at the time of issuance, and the counter is incremented each time it is received. Refer to the counter, and if it is larger than 0, it is judged that it is not the first use.

Each function of each unit of each server of the present embodiment configured in this way is realized by the CPU 62 of the computer 60 of FIG. 2 reading the program 80 stored in the storage 66 into the memory 64 and executing the program 80. To.

In the first computer program 80 of the present embodiment, the computer 60 for realizing the business partner server 100 of FIG. 3 stores the transaction information 20 indicating the contents of the transaction between the user U and the business partner in the storage device 140. In response to the procedure, the procedure for transmitting the transaction information 20 to the user terminal 300 of the user U, and the settlement request for the transaction from the user terminal 300, the user terminal 300 is requested to use the transaction specific information that can be used only once for the transaction. Then, when the procedure for acquiring the transaction specific information input by the user U from the user terminal 300 and the credit card company server 200 determines that the credit card payment is possible, the transaction information is acquired from the credit card company server 200. It is described to execute the procedure of collating the transaction information with the transaction information 20 stored in the storage device 140.

In the second computer program 80 of the present embodiment, the computer 60 for realizing the credit card company server 200 of FIG. 7 is provided with transaction information 20 indicating the contents of the transaction between the user U and the business partner from the user terminal 300. Upon acquisition, the procedure for issuing transaction specific information (one-time ID) that can be used only once for the transaction of the acquired transaction information 20 and presenting it to the user terminal 300, the transaction information 20 acquired from the user terminal 300, Procedure for associating the issued transaction identification information and storing it in the storage device 240. When the transaction identification information input by the user U is acquired from the customer server 100, the transaction identification information is valid when the acquired transaction identification information is valid. It is described to execute the procedure of transmitting the transaction information 22 linked to the information and stored in the storage device 140 to the business partner server 100.

The computer program 80 of the present embodiment may be recorded on a recording medium that can be read by the computer 60. The recording medium is not particularly limited, and various forms can be considered. Further, the program 80 may be loaded from the recording medium into the memory 64 of the computer 60, or may be downloaded to the computer 60 through the network 3 and loaded into the memory 64.

The recording medium for recording the computer program 80 includes a medium that can be used by the non-temporary tangible computer 60, and the program code readable by the computer 60 is embedded in the medium. When the computer program 80 is executed on the computer 60, the computer 60 is made to execute the payment processing method that realizes the business partner server 100, the credit card company server 200, or the user terminal 300.

The operation of the payment processing system 1 of the present embodiment configured as described above will be described below.
FIG. 10 is a flow chart showing an example of a payment processing method of the payment processing system 1 of the present embodiment. FIG. 10 shows a case where the user U performs an operation of proceeding to the payment procedure of the product purchase price put in the shopping cart on the user terminal 300 after putting the product to be purchased on the website 10 of the online shop into the shopping cart. The settlement processing method of the present embodiment is started.

When the payment procedure is proceeded on the user terminal 300 (step S1), the storage processing unit 102 of the business partner server 100 stores the transaction information 20 indicating the contents of the transaction between the user U of the user terminal 300 and the business partner in the storage device 140. (Step S3). Then, the transaction information 20 is transmitted to the user terminal 300 by the transaction information transmission unit 104 of the customer server 100 (step S4). At this time, the transaction information presentation screen 410 of FIG. 5 is displayed on the display of the user terminal 300.

When the credit card to be used for payment is selected by the user U on the transaction information presentation screen 410 of FIG. 5 and the press of the enter button 412 is accepted, the login screen 440 (FIG. 11) described later for the credit card company server 200 is displayed. It is displayed on the display of the user terminal 300. At this time, the user terminal 300 may log out from the business partner server 100 once, or may maintain the login state.

The example of the login screen 440 of FIG. 11 includes a user ID input field 442, a password input field 444, a back button 446, and a login button 448. The user ID input field 442 and the password input field 444 receive input of the user ID and password of the user U, respectively. When the back button 446 is pressed by the user U, the button returns to the transaction information presentation screen 410 of FIG. When the login button 448 is pressed by the user U, the credit card company server 200 performs an authentication process for the user U using the authentication information entered in the user ID input field 442 and the password input field 444.

When the user U is successfully authenticated by the entered user ID and password, the issuing unit 204 of the credit card company server 200 acquires the transaction information 20 from the user terminal 300 (step S5). When the issuing unit 204 of the credit card company server 200 acquires the transaction information 20, it presents the transaction specific information (one-time ID) that can be used only once for the transaction of the acquired transaction information 20 to the user terminal 300 ( Step S7). At this time, the one-time ID presentation screen 430 of FIG. 9 is displayed on the display of the user terminal 300.

The user U makes a note of the one-time ID displayed on the one-time ID presentation screen 430. When the back button 438 of the one-time ID presentation screen 430 is pressed, the one-time ID presentation screen 430 is closed and the website of the business partner server 100 is returned.

As described above, the one-time ID presentation screen 430 may display the billing amount together with the one-time ID, the transaction ID, and the business partner information. When the billing amount is displayed on the one-time ID presentation screen 430, the user U can confirm the billing amount in the transaction to the credit card company server 200. As a result, it is possible to prevent the business partner server 100 from making fraudulent charges.

At this time, the storage processing unit 202 of the credit card company server 200 associates the transaction specific information (one-time ID) with the transaction information 20 acquired from the user terminal 300 and stores it in the storage device 240 as the transaction information 22 (step S9). ).

Triggered by the settlement request of the transaction from the user terminal 300, the settlement request receiving unit 106 of the business partner server 100 requests the user terminal 300 for the transaction specific information (one-time ID) corresponding to the transaction. The one-time ID input screen 420 of is displayed on the display of the user terminal 300.

Here, the trigger for the settlement request of the transaction from the user terminal 300 is, for example, the timing when the user terminal 300 returns from the website of the credit card company server 200 to the website of the business partner server 100, or the user separately. For example, when the terminal 300 operates the settlement request of the transaction on the website of the business partner server 100.

When displaying the one-time ID input screen 420, you may log out from the credit card company server 200. If the user terminal 300 has logged out from the business partner server 100 when the transaction information presentation screen 410 of the business partner server 100 first shifts to the login screen 440 of the credit card company server 200, the user terminal 300 again Log in to the business partner server 100. Note that the user U does not have to perform the payment process immediately after acquiring the one-time ID.

The settlement request receiving unit 106 of the business partner server 100 acquires the transaction specific information (one-time ID) input by the user U on the one-time ID input screen 420 from the user terminal 300 (step S11).

The settlement request receiving unit 106 of the business partner server 100 transmits the acquired transaction specific information (one-time ID) to the credit card company server 200 (step S13). When the transmission unit 206 of the credit card company server 200 acquires the transaction identification information (one-time ID) from the business partner server 100, the transaction identification information (one-time ID) is valid when the acquired transaction identification information (one-time ID) is valid. The transaction information associated with the time ID) and stored in the storage device 240 is transmitted to the business partner server 100 (step S15).

When the collation unit 108 of the business partner server 100 acquires the transaction information from the credit card company server 200, the collation unit 108 collates the acquired transaction information with the transaction information 20 stored in the storage device 140 (step S17).

The business partner server 100 continues the process according to the collation result in step S17. This process will be described in the embodiment described later.

As described above, according to the present embodiment, the credit card company server 200 acquires the transaction information 20 confirmed and transmitted by the user terminal 300 by the issuing unit 204, so that fraudulent billing of the store can be prevented. Furthermore, since it is not manually input by the user U, it is possible to prevent erroneous billing or fraudulent billing due to an input error.

Further, as shown in the transaction information presentation screen 410 of FIG. 5, the billed amount can be confirmed not only by the product price but also by the amount including incidental costs such as shipping charges. Further, since the collation unit 108 of the business partner server 100 can collate the transaction information transmitted from the credit card company server 200 with the transaction information 20 stored in the storage device 140, the user U or the credit card company It is possible to prevent fraudulent billing due to fraudulent or hacking of the server 200.

Further, since the user U does not input information such as a credit card number on the website of the business partner server 100, it is possible to prevent unauthorized use of the credit card due to information leakage.

(Second Embodiment)
FIG. 12 is a functional block diagram showing a logical configuration of the business partner server 100 of the present embodiment. The customer server 100 of the present embodiment is different from the above embodiment in that it has a configuration of performing payment processing according to the collation result and accepting payment processing related to a plurality of transactions.
The business partner server 100 includes a payment processing unit 112 in addition to the configuration of the business partner server 100 of the above embodiment of FIG. The settlement processing unit 112 causes the credit card company server 200 to execute the settlement processing corresponding to the transaction when the matching results match, and cancels the settlement processing when the matching results do not match.

When the settlement processing by the settlement processing unit 112 is canceled, the user U may be notified that the settlement of the transaction could not be completed. Further, the user U may be notified of information such as the execution status of the payment process, "payment processing in progress", and "payment completed". The notification method is not particularly limited, but it may be displayed on the transaction information presentation screen 410 of FIG. 5 or the transaction list screen 450 of FIG. 13 to be described later, or a message may be displayed in a separate window.

The process in the settlement processing unit 112 is performed based on the collation result in step S17 after the collation process in step S17 of FIG.

Further, in the customer server 100, the storage processing unit 102 stores the transaction information 20 of a plurality of transactions in the storage device 140 and presents it to the user terminal 300. The business partner server 100 further setstles from a presentation unit (not shown) that presents a screen for displaying a list of a plurality of transaction information 20 on the user terminal 300 and a plurality of transaction information 20 displayed in a list on the screen. It is provided with a reception unit (not shown) that accepts the designation by the user U of the transaction to be performed.

FIG. 13 is a diagram showing an example of a transaction list screen 450 displayed on the display of the user terminal 300 by the presentation unit of the customer server 100. The transaction list screen 450 includes a list of the contents of transactions within a predetermined period of the user U. In this example, it is the content of the transaction on the current day, but in another example, the period for displaying the list such as the latest one week, the current month, each month, and the year may be specified by the user U.

The timing at which the transaction is included in the transaction list screen 450 shall be, for example, after the product or service is selected by the user U on the website 10 of the customer and the operation of putting the product or service into the shopping cart by the user U is accepted. Can be done. In another example, after putting the product in the shopping cart, the user U may perform an operation of confirming the contents in the shopping cart.

The list displayed on the transaction list screen 450 includes a transaction ID, a transaction date and time, supplier information (indicated as shop information in the figure), and a billing amount in the transaction for each transaction. The business partner information may include, for example, the store name of the online shopping website 10 which is the business partner, and a link (URL address information) to the website 10 of the online shop.

Further, on the transaction list screen 450, an operation button is provided for each transaction. In the example of this figure, the operation button includes a detail confirmation button 452 that opens a screen for displaying the details of the transaction content, a payment button 454 that proceeds to the payment process, and a delete button 456 that cancels the transaction. The payment process will be described later.

In this example, an operation button is provided for each transaction, but in another example, an operation button may be provided so that a plurality of transactions can be collectively operated. For example, if a check box is provided for each transaction and an operation of an operation button is accepted, the operation may be collectively performed for a plurality of transactions for the transactions for which a check is entered in the check box.

The user U can perform an operation for a plurality of transactions on the transaction list screen 450 at one time. For example, if the credit card used for payment is different for each transaction, the credit card company server 200 corresponding to each transaction is sequentially used. It is assumed that you log in and a one-time ID is issued for each transaction. Further, even if the credit card used for payment in a plurality of transactions is the same, one one-time ID is issued for one transaction.

However, if the business partners of the plurality of transactions are the same and the credit card used for payment is also the same, a one-time ID may be issued for the plurality of transactions. In this case, the issuing unit 204 of the credit card company server 200 issues the one-time ID after confirming that the plurality of transactions are with the same business partner. Further, the one-time ID input screen 420 of FIG. 6 displays all the transaction information 20 of the plurality of transactions.

Upon receiving the press of the settlement button 454, the transaction information transmission unit 104 may transmit the transaction information 20 to the user terminal 300, assuming that the download request for the transaction information 20 of the transaction has been made. Alternatively, apart from the payment button 454, an operation button for requesting the download of the transaction information 20 may be provided.

The payment button 454 may be changed to the display of "payment in progress" after proceeding to the payment processing described later, for example. Alternatively, when the payment process is further advanced and the payment is completed, the display may be changed to "payment completed".

In the present embodiment, when the payment button 454 is pressed and the payment process proceeds, the transaction information presentation screen 410 of FIG. 5 is displayed on the display of the user terminal 300. This example of FIG. 5 shows the result of a transaction for purchasing a product at an online shop.

When the credit card to be used for payment is selected by the user U on the transaction information presentation screen 410 and the press of the enter button 412 is accepted, the display of the user terminal 300 displays the website of the credit card company 12 selected by the user U. Transition. At this time, the transaction information presentation screen 410 may or may not be closed. The processing after the migration will be described below together with the configuration of the credit card company server 200.

FIG. 14 is a functional block diagram showing a logical configuration of the credit card company server 200 of the present embodiment. The credit card company server 200 of the present embodiment is different from the above embodiment in that it has a configuration for performing a credit card payment availability inquiry process, a one-time ID verification process, a credit card payment process, and the like for the user U.

The credit card company server 200 may further include at least one of a collation unit 208, an inquiry unit 210, and a payment processing unit 212, in addition to the configuration of the credit card company server 200 of the above embodiment of FIG. ..

In the present embodiment, when the one-time ID is issued by the issuing unit 204, the storage processing unit 202 has issued the one-time ID by associating the issued one-time ID with the transaction information 20 acquired from the user terminal 300. The transaction information 22 is stored in the storage device 240 (FIG. 8A).

In step S13 of FIG. 10 described in the above embodiment, in the present embodiment, when the one-time ID is transmitted from the business partner server 100 to the credit card company server 200 by the payment request receiving unit 106, the transaction is further identified. The transaction identification information (transaction ID), the business partner information about the business partner, and the one-time ID are transmitted as payment information 40 (FIG. 15). Since the transaction information can be collated using the payment information 40 as described later, a third party who analyzes the data of the exchange between the customer server 100 and the credit card company server 200 sends the information to the credit card company server 200. It is possible to prevent fraudulent acts such as sending information randomly created as a one-time ID for the purpose of acquisition.

The collation unit 208 has acquired the settlement information 40 when the transaction identification information (one-time ID) that matches the valid transaction identification information (one-time ID) acquired from the customer server 100 is stored in the storage device 240. Transaction identification information (transaction ID) for identifying a transaction included in FIG. 15 (FIG. 15), customer information regarding a business partner, and transaction identification information for identifying a transaction included in transaction information 22 stored in the storage device 240. (Transaction ID) and the business partner information about the business partner are collated.

When the collation results of the collation unit 208 match, the transmission unit 206 reads the transaction information 20 from the transaction information 22 stored in the storage device 240 and transmits the transaction information 20 to the business partner server 100. If they do not match, the collating unit 208 suspends the transaction. The collation unit 208 may notify the user U of the user terminal 300 or the business partner server 100 that the information does not match.

When the inquiry unit 210 acquires the transaction information 20 from the user terminal 300 in step S5 of FIG. 10 described in the above embodiment, the inquiry unit 210 inquires whether or not the user U can make a credit card payment. The timing of acquiring the transaction information 20 from the user terminal 300 is such that the user terminal 300 receives the press of the decision button 412 on the transaction information presentation screen 410 of FIG. 5 and the user terminal 300 logs in to the credit card company server 200. Later.

When the user U is successfully authenticated by the entered user ID and password on the login screen 440 of FIG. 11, the inquiry unit 210 inquires whether or not the credit card can be settled.

FIG. 16 is a diagram showing an example of a data structure of the card information 30 of the user U stored in the storage device 240. As described above, the card information 30 of the credit card of the user U is registered in the storage device 240 in advance. The card information 30 includes information necessary for performing payment processing using the user U's credit card. For example, the card information 30 includes a credit card number, an expiration date of the card, a usage limit, a flag indicating whether or not the card is valid, and the like for each user ID. The valid flag is set (1) when the card is available and reset (0) when the card is not available, for example. For example, when the card usage is stopped for some reason (for example, when a loss report is submitted), the valid flag is reset (0).

In the present embodiment, the card information 30 is associated with the user ID in order to identify the user U by using the user ID used when logging in to the website of the credit card company server 200. In another example, identification information that can uniquely identify the user U transmitted from the user terminal 300, for example, an individual identification number of the user terminal 300 or the like may be registered. When the user terminal 300 accesses the website, the identification number of the user terminal 300 may be acquired and the card information 30 may be acquired. In this case, it is necessary for the user U to specify and register at least one user terminal 300 that uses the service in advance. Therefore, there is a possibility that unauthorized use from the user terminal 300 other than registration can be prevented.

When the inquiry unit 210 acquires the transaction information 20 from the user terminal 300 after the user U logs in, the inquiry unit 210 inquires whether or not the user U's credit card can be settled based on the card information 30. For example, if the credit card is within the expiration date and the billing amount included in the transaction information 20 is within the usage limit within the predetermined period, it is determined that the credit card can be settled. Alternatively, the card information 30 may determine that the credit card cannot be used when the valid flag is invalid (0).

As a result of the approval / disapproval inquiry by the inquiry unit 210, the issuing unit 204 presents the transaction identification information (one-time ID) to the user terminal 300 of the user U when the payment can be made with the credit card specified by the user U. If payment with the credit card specified by user U is not possible, the credit card company server 200 displays a message on the display of the user terminal 300 indicating that the credit card cannot be used, or specifies another credit card. You may display a message prompting you.

When the transmission unit 206 receives the instruction to execute the card payment of the transaction from the business partner server 100 that transmitted the transaction information 20 in step S15 of FIG. 10, the payment processing unit 212 receives the credit card of the user U of the transaction. The information 30 is used to perform card payment processing for the transaction. This completes the settlement process for the transaction.

When the business partner server 100 performs a transaction ID on the credit card company server 200 using the card payment process (payment request) of the transaction, the credit card company 12 performs the transaction information 20 of the transaction corresponding to the transaction ID. Pay the billing amount for the customer information based on. Therefore, even if the transaction information 20 is leaked to a third party and the original business partner makes a payment request, even if the third party requests it, the payment is not made to the third party and is paid to the original business partner. Can be prevented.

As described above, according to the present embodiment, the same effect as that of the above embodiment is obtained, and further, when the transaction information 20 is transmitted to the user terminal 300 by the transaction information transmission unit 104, the transaction information 20 is transmitted to the business partner. You can temporarily hold the transaction. Therefore, it is possible to prevent the transaction from being unsuccessful due to the sold-out product or the like during the inquiry to the credit card company server 200.

Although the embodiments of the present invention have been described above with reference to the drawings, these are examples of the present invention, and various configurations other than the above can be adopted.
For example, on the transaction information presentation screen 410 of FIG. 5, as the payment method, the method specified once may be saved and read out and displayed as the payment method from the next time onward. With this configuration, the user U only has to confirm the contents and saves the trouble of inputting the payment method.

Although the present invention has been described above with reference to the embodiments and examples, the present invention is not limited to the above embodiments and examples. Various changes that can be understood by those skilled in the art can be made within the scope of the present invention in terms of the structure and details of the present invention.
In addition, when we acquire and use information about a user in this invention, this shall be done legally.

Some or all of the above embodiments may also be described, but not limited to:
1. 1. The first server and
A payment processing method in a payment processing system including a second server.
The first server
The transaction information indicating the contents of the transaction between the user of the user terminal and the business partner is stored in the storage means.
The second server
When the transaction information indicating the content of the transaction between the user of the user terminal and the business partner is acquired from the user terminal, the transaction specific information that can be used only once for the transaction of the acquired transaction information is obtained. Present it to the user terminal
The transaction specific information is associated with the acquired transaction information and stored in a storage means.
The first server
In response to the settlement request of the transaction from the user terminal, the user terminal is requested to have the transaction identification information corresponding to the transaction, and the transaction identification information input by the user is acquired from the user terminal.
The acquired transaction specific information is transmitted to the second server,
The second server
When the transaction identification information is acquired from the first server, when the acquired transaction identification information is valid, the transaction information linked to the transaction identification information and stored in the storage means is stored in the first storage means. Send to the server of
The first server
A settlement processing method in which when the transaction information is acquired from the second server, the acquired transaction information is collated with the transaction information stored in the storage means.
2. 1. 1. In the payment processing method described in
The first server
A settlement processing method for causing the second server to execute a settlement process for the transaction when the results of the collation match.
3. 3. 2. In the payment processing method described in
In the second server
The user's credit card information is associated with the user's authentication information and registered in advance in the storage means.
The second server
When the execution instruction of the settlement process of the transaction is received from the first server that has transmitted the transaction information, the card settlement process of the transaction is performed using the credit card information of the user of the transaction. Processing method.

4. A storage processing means for storing transaction information indicating the contents of a transaction between a user and a business partner in a storage means,
A transmission means for transmitting the transaction information to the user terminal of the user, and
In response to the settlement request of the transaction from the user terminal, the user terminal is requested to use the transaction identification information that can be used only once for the transaction, and the transaction identification information input by the user is acquired from the user terminal. Settlement request receiving means and
As a result of determining that credit card payment is possible on the server of the credit card company, when the transaction information is acquired from the server of the credit card company, the acquired transaction information and the transaction information stored in the storage means are obtained. With the matching means to match
Server with.
5. 4. In the server described in
A server further provided with a payment processing means for causing a server of the credit card company to execute a payment process corresponding to the transaction when the results of the collation match.
6. 4. Or 5. In the server described in
The storage processing means stores the transaction information of a plurality of transactions in the storage means.
A presentation means for presenting a screen for displaying a list of a plurality of the transaction information on the user terminal, and
A reception means for accepting a designation by the user of a transaction for settlement from the plurality of transaction information listed on the screen is provided.
The transmission means is a server that transmits transaction information of the transaction designated by the user to the user terminal.

7. When transaction information indicating the content of a transaction between a user and a business partner is acquired from a user terminal, transaction specific information that can be used only once for the transaction of the acquired transaction information is issued and presented to the user terminal. Issuing means to be
A storage processing means for associating the issued transaction specific information with the transaction information acquired from the user terminal and storing it in the storage means.
When the transaction identification information input by the user is acquired from the server of the business partner, when the acquired transaction identification information is valid, it is associated with the transaction identification information and stored in the storage means. A transmission means for transmitting the transaction information to the server of the business partner, and
Server with.
8. 7. In the server described in
The transaction identification information that identifies the transaction and the business partner information about the business partner are acquired from the user terminal together with the transaction specific information, and match the valid transaction specific information acquired from the server of the business partner. When the transaction specific information is stored in the storage means, it is included in the acquired transaction identification information for identifying the transaction, the business partner information regarding the business partner, and the transaction information stored in the storage means. Further provided with a collation means for collating the transaction identification information for identifying the transaction with the business partner information regarding the business partner.
The transmission means is a server that transmits the transaction information to the server of the business partner when the results of the collation match.
9. 7. Or 8. In the server described in
When the transaction information is acquired from the user terminal, it is provided with an inquiry means for inquiring whether or not the user can make a credit card payment.
When the credit card payment is possible as a result of the approval / disapproval inquiry, the issuing means presents the transaction specific information to the user terminal of the user.
10. 7. To 9. In the server described in any one of
When the transmission means receives an execution instruction of the card payment process of the transaction from the server of the business partner to which the transaction information is transmitted, the transaction is performed using the credit card information of the user of the transaction registered in advance. A server equipped with a payment method for processing credit card payments.

11. The first server and
With a second server,
The first server is
A storage processing means for storing transaction information indicating the contents of a transaction between a user and a business partner in a storage means,
A transmission means for transmitting the transaction information to the user terminal of the user, and
In response to the settlement request of the transaction from the user terminal, the user terminal is requested to use the transaction identification information that can be used only once for the transaction, and the transaction identification information input by the user is acquired from the user terminal. Settlement request receiving means and
When the transaction information is acquired from the second server as a result of determining that credit card payment is possible on the second server, the acquired transaction information and the transaction information stored in the storage means are stored. With a collation means to collate,
The second server is
When transaction information indicating the content of a transaction between a user and a business partner is acquired from a user terminal, transaction specific information that can be used only once for the transaction of the acquired transaction information is issued and presented to the user terminal. Issuing means to be
A storage processing means for associating the issued transaction specific information with the transaction information acquired from the user terminal and storing it in the storage means.
When the transaction identification information input by the user is acquired from the first server, when the acquired transaction identification information is valid, it is associated with the transaction identification information and stored in the storage means. A transmission means for transmitting the transaction information to the first server.
Payment processing system.
12. 11. In the payment processing system described in
The first server is
A settlement processing system further comprising a settlement processing means for causing the second server to execute a settlement process corresponding to the transaction when the results of the collation match.
13. 11. Or 12. In the payment processing system described in
The storage processing means of the first server stores the transaction information of a plurality of transactions in the storage means.
The first server is
A presentation means for presenting a screen for displaying a list of a plurality of the transaction information on the user terminal, and
A reception means for accepting a designation by the user of a transaction for settlement from the plurality of transaction information listed on the screen is provided.
The transmission means of the first server is a payment processing system that transmits transaction information of the transaction designated by the user to the user terminal.
14. 11. To 13. In the payment processing system described in any one of
The second server is
The transaction identification information for identifying the transaction and the customer information regarding the business partner are acquired from the user terminal together with the transaction identification information, and match the valid transaction identification information acquired from the first server. When the transaction specific information is stored in the storage means, it is included in the acquired transaction identification information for identifying the transaction, the business partner information regarding the business partner, and the transaction information stored in the storage means. Further provided with a collation means for collating the transaction identification information for identifying the transaction with the business partner information regarding the business partner.
The transmission means of the second server is a payment processing system that transmits the transaction information to the first server when the results of the collation match.
15. 11. From 14. In the payment processing system described in any one of
The second server is
When the transaction information is acquired from the user terminal, it is provided with an inquiry means for inquiring whether or not the user can make a credit card payment.
In the second server
A payment processing system in which the issuing means presents the transaction specific information to the user terminal of the user when the credit card payment is possible as a result of the approval / disapproval inquiry.
16. 11. To 15. In the payment processing system described in any one of
The second server is
When the transmission means receives an execution instruction of the card payment process of the transaction from the first server that has transmitted the transaction information, the transaction is performed using the credit card information of the user of the transaction registered in advance. A payment processing system equipped with a payment method for performing credit card payment processing.

17. On the computer
Procedure for storing transaction information indicating the contents of a transaction between a user and a business partner in a storage device,
Procedure for transmitting the transaction information to the user terminal of the user,
In response to the settlement request of the transaction from the user terminal, the user terminal is requested to use the transaction identification information that can be used only once for the transaction, and the transaction identification information input by the user is acquired from the user terminal. Procedure to do,
As a result of determining that credit card payment is possible on the computer of the credit card company, when the transaction information is acquired from the computer of the credit card company, the acquired transaction information and the transaction information stored in the storage device are obtained. A program to execute the procedure for collating.
18. 17. In the program described in
A program for causing a computer of the credit card company to execute a procedure for causing a computer of the credit card company to execute a payment process corresponding to the transaction when the results of the matching are matched.
19. 17. Or 18. In the program described in
A procedure for storing the transaction information of a plurality of transactions in the storage device,
A procedure for presenting a screen for displaying a list of a plurality of the transaction information on the user terminal,
A procedure for accepting a designation by the user of a transaction for settlement from the plurality of transaction information listed on the screen.
A program for causing a computer to execute a procedure for transmitting transaction information of the transaction specified by the user to the user terminal.

20. On the computer
When transaction information indicating the content of a transaction between a user and a business partner is acquired from a user terminal, transaction specific information that can be used only once for the transaction of the acquired transaction information is issued and presented to the user terminal. Procedure to do,
A procedure for associating the issued transaction specific information with the transaction information acquired from the user terminal and storing it in a storage device.
When the transaction identification information input by the user is acquired from the computer of the business partner, when the acquired transaction identification information is valid, it is associated with the transaction identification information and stored in the storage device. A program for executing a procedure for transmitting the transaction information to the computer of the business partner.
21. 20. In the program described in
The transaction identification information that identifies the transaction and the customer information about the business partner are acquired from the user terminal together with the transaction identification information, and match the valid transaction identification information acquired from the computer of the business partner. When the transaction specific information is stored in the storage device, it is included in the acquired transaction identification information for identifying the transaction, the business partner information regarding the business partner, and the transaction information stored in the storage device. The procedure for collating the transaction identification information that identifies the transaction with the supplier information related to the supplier.
A program for causing a computer to execute a procedure of transmitting the transaction information to the computer of the business partner when the results of the collation match.
22. 20. Or 21. In the program described in
The second computer is
A procedure for inquiring whether or not the user can make a credit card payment when the transaction information is acquired from the user terminal.
A program for causing a computer to execute a procedure of presenting the transaction specific information to the user terminal of the user when the credit card payment is possible as a result of the approval / disapproval inquiry.
23. 20. From 22. In the program described in any one of
When the computer of the business partner who transmitted the transaction information receives an execution instruction of the card payment process of the transaction, the card payment process of the transaction is performed using the credit card information of the user of the transaction registered in advance. A program that lets your computer execute the procedure.

1 Payment processing system 3 Communication network 10, 10a, 10b Website 12 Credit card company 20 Transaction information 22 Transaction information 30 Card information 40 Payment information 60 Computer 62 CPU
64 Memory 66 Storage 68 I / O
69 Bus 70 Communication I / F
72 Input device 74 Display device 80 Computer program 100 Business partner server 102 Storage processing unit 104 Transaction information transmission unit 106 Payment request reception unit 108 Verification unit 112 Payment processing unit 140 Storage device 200 Credit card company server 202 Storage processing unit 204 Issuing unit 206 Transmission unit 208 Verification unit 210 Inquiry unit 212 Payment processing unit 240 Storage device 300 User terminal 410 Transaction information presentation screen 412 Confirmation button 414 Payment button 420 One-time ID input screen 422 Detailed confirmation button 424 One-time ID input field 426 Payment button 428 Cancel Button 430 One-time ID presentation screen 432 One-time ID display field 434 Transaction ID display field 436 Customer information display field 438 Back button 440 Login screen 442 User ID input field 444 Password input field 446 Back button 448 Login button 450 Transaction list screen 452 Details confirmation button 454 Payment button 456 Delete button

Claims (10)

The first server and
A payment processing method in a payment processing system including a second server.
The first server
The transaction information indicating the contents of the transaction between the user of the user terminal and the business partner is stored in the storage means.
The second server
When the transaction information indicating the content of the transaction between the user of the user terminal and the business partner is acquired from the user terminal, the transaction specific information that can be used only once for the transaction of the acquired transaction information is obtained. Present it to the user terminal
The transaction specific information is associated with the acquired transaction information and stored in a storage means.
The first server
In response to the settlement request of the transaction from the user terminal, the user terminal is requested to have the transaction identification information corresponding to the transaction, and the transaction identification information input by the user is acquired from the user terminal.
The acquired transaction specific information is transmitted to the second server,
The second server
When the transaction identification information is acquired from the first server, when the acquired transaction identification information is valid, the transaction information linked to the transaction identification information and stored in the storage means is stored in the first storage means. Send to the server of
The first server
A settlement processing method in which when the transaction information is acquired from the second server, the acquired transaction information is collated with the transaction information stored in the storage means. A storage processing means for storing transaction information indicating the contents of a transaction between a user and a business partner in a storage means,
A transmission means for transmitting the transaction information to the user terminal of the user, and
In response to the settlement request of the transaction from the user terminal, the user terminal is requested to use the transaction identification information that can be used only once for the transaction, and the transaction identification information input by the user is acquired from the user terminal. Settlement request receiving means and
As a result of determining that credit card payment is possible on the server of the credit card company, when the transaction information is acquired from the server of the credit card company, the acquired transaction information and the transaction information stored in the storage means are obtained. With the matching means to match
Server with. In the server according to claim 2.
A server further provided with a payment processing means for causing a server of the credit card company to execute a payment process corresponding to the transaction when the results of the collation match. In the server according to claim 2 or 3.
The storage processing means stores the transaction information of a plurality of transactions in the storage means.
A presentation means for presenting a screen for displaying a list of a plurality of the transaction information on the user terminal, and
A reception means for accepting a designation by the user of a transaction for settlement from the plurality of transaction information listed on the screen is provided.
The transmission means is a server that transmits transaction information of the transaction designated by the user to the user terminal. When transaction information indicating the content of a transaction between a user and a business partner is acquired from a user terminal, transaction specific information that can be used only once for the transaction of the acquired transaction information is issued and presented to the user terminal. Issuing means to be
A storage processing means for associating the issued transaction specific information with the transaction information acquired from the user terminal and storing it in the storage means.
When the transaction identification information input by the user is acquired from the server of the business partner, when the acquired transaction identification information is valid, it is associated with the transaction identification information and stored in the storage means. A transmission means for transmitting the transaction information to the server of the business partner, and
Server with. In the server according to claim 5.
The transaction identification information that identifies the transaction and the business partner information about the business partner are acquired from the user terminal together with the transaction specific information, and match the valid transaction specific information acquired from the server of the business partner. When the transaction specific information is stored in the storage means, it is included in the acquired transaction identification information for identifying the transaction, the business partner information regarding the business partner, and the transaction information stored in the storage means. Further provided with a collation means for collating the transaction identification information for identifying the transaction with the business partner information regarding the business partner.
The transmission means is a server that transmits the transaction information to the server of the business partner when the results of the collation match. In the server according to claim 5 or 6.
When the transaction information is acquired from the user terminal, it is provided with an inquiry means for inquiring whether or not the user can make a credit card payment.
When the credit card payment is possible as a result of the approval / disapproval inquiry, the issuing means presents the transaction specific information to the user terminal of the user. In the server according to any one of claims 5 to 7.
When the transmission means receives an execution instruction of the card payment process of the transaction from the server of the business partner to which the transaction information is transmitted, the transaction is performed using the credit card information of the user of the transaction registered in advance. A server equipped with a payment method for processing credit card payments. The server according to any one of claims 2 to 4.
A payment processing system including the server according to any one of claims 5 to 8. A computer program for causing a computer to execute the payment processing method according to claim 1.

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