JP2022028050A5 - Multi electronic payment system - Google Patents

Multi electronic payment system Download PDF

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Publication number
JP2022028050A5
JP2022028050A5 JP2021208020A JP2021208020A JP2022028050A5 JP 2022028050 A5 JP2022028050 A5 JP 2022028050A5 JP 2021208020 A JP2021208020 A JP 2021208020A JP 2021208020 A JP2021208020 A JP 2021208020A JP 2022028050 A5 JP2022028050 A5 JP 2022028050A5
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Prior art keywords
payment
electronic payment
user
communication terminal
management server
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JP2021208020A
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Japanese (ja)
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JP7407457B2 (en
JP2022028050A (en
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Priority claimed from JP2019069496A external-priority patent/JP6664652B1/en
Priority claimed from JP2021080109A external-priority patent/JP7037025B2/en
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Publication of JP2022028050A publication Critical patent/JP2022028050A/en
Priority to JP2023066352A priority Critical patent/JP2023080305A/en
Publication of JP2022028050A5 publication Critical patent/JP2022028050A5/en
Priority to JP2023149213A priority patent/JP7432277B2/en
Application granted granted Critical
Publication of JP7407457B2 publication Critical patent/JP7407457B2/en
Priority to JP2024010688A priority patent/JP2024028664A/en
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Claims (10)

第１のサービスをユーザに提供する第１のシステムのユーザが前記第１のサービスを利用することの対価としてそのユーザに課金される第１の料金を電子決済することを代行する第２のシステムとしてのマルチ電子決済システムであって、
前記第１のシステムは、単独で非電子決済に対応可能であるが単独では電子決済に対応できない決済システムであり、
前記電子決済は、それぞれの決済業者によって管理および／または運営される複数の決済サーバであって、それぞれ対応可能な電子決済の種類が互いに完全に一致するわけではないもののうち、ユーザごとに選択されるいずれかの決済サーバによって実行され、
前記ユーザの通信端末は、画像データとして構成される決済用コードを読取り可能なカメラを含み、
前記ユーザは、前記電子決済に先立ち、前記決済用コードを前記カメラで読み取り、
当該マルチ電子決済システムは、第２の管理サーバを含み、
その第２の管理サーバは、
前記カメラを用いる前記決済用データについての読み取り結果を前記第１の料金について電子決済を行うのに必要な電子決済情報のうちの少なくとも一部として前記通信端末から受信する第１通信部と、
前記複数の決済サーバによって対応可能な複数種類の電子決済のうち前記ユーザによって指定されたユーザ指定電子決済の種類を表す種類情報を前記第１のシステムの第１の管理サーバを経由するかまたは経由せずに前記通信端末から受信する第２通信部と、
前記複数の決済サーバのうち前記ユーザ指定電子決済に対応可能であるいずれかの決済サーバが、前記通信端末が送信した、前記第１の料金について電子決済を行うのに必要な電子決済情報を用いることにより、前記第１の料金を電子決済し、それが完了すると、そのことを表す決済完了信号を前記通信端末に送信する第３通信部と
を含むマルチ電子決済システム。 A second system that electronically settles a first fee charged to a user of a first system that provides a first service to the user as compensation for using the first service. A multi-electronic payment system as
The first system is a payment system that is capable of supporting non-electronic payment by itself but is not capable of supporting electronic payment by itself;
The electronic payment is selected for each user from among a plurality of payment servers managed and/or operated by each payment trader, and the types of electronic payment that can be handled by each server do not completely match each other. is executed by any payment server
The user's communication terminal includes a camera capable of reading a payment code configured as image data,
Prior to the electronic payment, the user reads the payment code with the camera,
The multi-electronic payment system includes a second management server,
The second management server is
a first communication unit that receives, from the communication terminal, a result of reading the payment data using the camera as at least part of electronic payment information necessary for electronic payment of the first fee;
type information indicating the type of user-specified electronic payment designated by the user among the plurality of types of electronic payment that can be handled by the plurality of payment servers, through or through the first management server of the first system; a second communication unit that receives from the communication terminal without
Any one of the plurality of payment servers that can handle the user-specified electronic payment uses the electronic payment information necessary for electronic payment of the first charge, which is transmitted by the communication terminal. and a third communication unit that electronically settles the first charge, and transmits a settlement completion signal indicating that, to the communication terminal, when the first charge is completed. 第１のサービスをユーザに提供する第１のシステムのユーザが前記第１のサービスを利用することの対価としてそのユーザに課金される第１の料金を電子決済することを代行する第２のシステムとしてのマルチ電子決済システムであって、
前記第１のシステムは、単独で非電子決済に対応可能であるが単独では電子決済に対応できない決済システムであり、
前記電子決済は、それぞれの決済業者によって管理および／または運営される複数の決済サーバであって、それぞれ対応可能な電子決済の種類が互いに完全に一致するわけではないもののうち、ユーザごとに選択されるいずれかの決済サーバによって実行され、
当該マルチ電子決済システムは、第２の管理サーバを含み、
その第２の管理サーバは、
前記複数の決済サーバによって対応可能な複数種類の電子決済のうち前記ユーザによって指定されたユーザ指定電子決済の種類を表す種類情報を前記第１のシステムの第１の管理サーバを経由するかまたは経由せずに前記通信端末から受信する第２通信部と、
前記複数の決済サーバのうち前記ユーザ指定電子決済に対応可能であるいずれかの決済サーバが、前記通信端末が送信した、前記第１の料金について電子決済を行うのに必要な電子決済情報を用いることにより、前記第１の料金を電子決済し、それが完了すると、そのことを表す決済完了信号を前記通信端末に送信する第３通信部と
を含むマルチ電子決済システム。 A second system that electronically settles a first fee charged to a user of a first system that provides a first service to the user as compensation for using the first service. A multi-electronic payment system as
The first system is a payment system that is capable of supporting non-electronic payment by itself but is not capable of supporting electronic payment by itself;
The electronic payment is selected for each user from among a plurality of payment servers managed and/or operated by each payment trader, and the types of electronic payment that can be handled by each server do not completely match each other. is executed by any payment server
The multi-electronic payment system includes a second management server,
The second management server is
type information indicating the type of user-specified electronic payment designated by the user among the plurality of types of electronic payment that can be handled by the plurality of payment servers, through or through the first management server of the first system; a second communication unit that receives from the communication terminal without
Any one of the plurality of payment servers that can handle the user-specified electronic payment uses the electronic payment information necessary for electronic payment of the first charge, which is transmitted by the communication terminal. and a third communication unit that electronically settles the first charge, and transmits a settlement completion signal indicating that, to the communication terminal, when the first charge is completed. 前記通信端末は、前記第１の管理サーバと通信し、前記第１の料金の額を計算するための料金計算ステージと、前記第２の管理サーバと通信し、電子決済サービスを前記ユーザに提供するための電子決済ステージとに遷移する請求項１または２に記載のマルチ電子決済システム。 The communication terminal communicates with the first management server and communicates with a fee calculation stage for calculating the amount of the first fee, and communicates with the second management server and provides an electronic payment service to the user. 3. The multi-electronic payment system according to claim 1 or 2, wherein the transition is made to the electronic payment stage for making the payment. 前記複数の決済サーバは、当該マルチ電子決済システムの外部サーバとして構成される決済サーバであって決済業者によって管理および／または運営されるものを含む請求項１ないし３のいずれかに記載のマルチ電子決済システム。 4. The multi-electronic payment system according to any one of claims 1 to 3, wherein the plurality of payment servers include payment servers configured as external servers of the multi-electronic payment system and managed and/or operated by a payment company. payment system. 請求項１ないし４のいずれかに記載の通信端末としてコンピュータを機能させるためのプログラム。 A program for causing a computer to function as the communication terminal according to any one of claims 1 to 4. 請求項１ないし４のいずれかに記載の第２の管理サーバとしてコンピュータを機能させるためのプログラム。 A program for causing a computer to function as the second management server according to any one of claims 1 to 4. 請求項１，３または４のいずれかに記載の第１通信部としてコンピュータを機能させるためのプログラム。 A program for causing a computer to function as the first communication unit according to claim 1, 3 or 4. 請求項１ないし４のいずれかに記載の第２通信部としてコンピュータを機能させるためのプログラム。 A program for causing a computer to function as the second communication unit according to any one of claims 1 to 4. 請求項１ないし４のいずれかに記載の第３通信部としてコンピュータを機能させるためのプログラム。 A program for causing a computer to function as the third communication unit according to any one of claims 1 to 4. 請求項５ないし９のいずれかに記載のプログラムをコンピュータ読み取り可能に記録した記録媒体。 10. A recording medium on which the program according to any one of claims 5 to 9 is computer-readable.
JP2021208020A 2019-03-30 2021-12-22 Multi-electronic payment system and program Active JP7407457B2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
JP2023066352A JP2023080305A (en) 2019-03-30 2023-04-14 Code-reading electronic settlement system
JP2023149213A JP7432277B2 (en) 2019-03-30 2023-09-14 Electronic payment systems and programs
JP2024010688A JP2024028664A (en) 2019-03-30 2024-01-29 Electronic payment systems and programs

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
JP2019069496 2019-03-30
JP2019069496A JP6664652B1 (en) 2018-11-22 2019-03-30 Electronic payment compatible service providing system
JP2021080109A JP7037025B2 (en) 2019-03-30 2021-05-11 Electronic payment agency system and electronic payment compatible service provision system

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JP2021080109A Division JP7037025B2 (en) 2019-03-30 2021-05-11 Electronic payment agency system and electronic payment compatible service provision system

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JP2023066352A Division JP2023080305A (en) 2019-03-30 2023-04-14 Code-reading electronic settlement system

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JP2022028050A JP2022028050A (en) 2022-02-14
JP2022028050A5 true JP2022028050A5 (en) 2023-04-24
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JP2019148258A Active JP6647674B1 (en) 2019-03-30 2019-08-12 Multi electronic payment system
JP2021080109A Active JP7037025B2 (en) 2019-03-30 2021-05-11 Electronic payment agency system and electronic payment compatible service provision system
JP2021208020A Active JP7407457B2 (en) 2019-03-30 2021-12-22 Multi-electronic payment system and program
JP2022192579A Pending JP2023014287A (en) 2019-03-30 2022-12-01 Multi-electronic settlement system
JP2023066352A Withdrawn JP2023080305A (en) 2019-03-30 2023-04-14 Code-reading electronic settlement system
JP2023149213A Active JP7432277B2 (en) 2019-03-30 2023-09-14 Electronic payment systems and programs
JP2024010688A Pending JP2024028664A (en) 2019-03-30 2024-01-29 Electronic payment systems and programs

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JP2022192579A Pending JP2023014287A (en) 2019-03-30 2022-12-01 Multi-electronic settlement system
JP2023066352A Withdrawn JP2023080305A (en) 2019-03-30 2023-04-14 Code-reading electronic settlement system
JP2023149213A Active JP7432277B2 (en) 2019-03-30 2023-09-14 Electronic payment systems and programs
JP2024010688A Pending JP2024028664A (en) 2019-03-30 2024-01-29 Electronic payment systems and programs

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WO2022173192A1 (en) * 2021-02-09 2022-08-18 (주)엘이엠컴퍼니 Payment interface device, method, and system

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