JP3632051B2 - Network payment processing system, network payment processing device, network payment processing method, and network payment processing program - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a network payment processing system, a network payment processing device, a network payment processing method, and a network payment processing program that perform payment processing on a computer network such as the Internet. In particular, it is suitable for performing settlement processing securely and securely on a computer network using a credit card.
[0002]
[Prior art]
2. Description of the Related Art Conventionally, a computer network (hereinafter simply referred to as “network”) has been constructed in which a plurality of computers are connected by a communication line and the like, and data and programs are stored and exchanged among a plurality of computers and data is shared. ing.
[0003]
As such a network system, an open network system in which computers can be freely connected in principle if they comply with a predetermined communication protocol, etc., and a network managed by a host computer or the like and connected computers, etc. There is a closed network system in which user terminals are not restricted from being connected to a network by providing certain restrictions such as security.
[0004]
A typical example of the above-described open network system is the Internet. In this Internet, TCP (Transfer Control Protocol) / IP (Internet Protocol) is adopted as a communication protocol. In principle, any computer that complies with this communication protocol can be connected to the network.
[0005]
In recent years, a multimedia environment such as WWW (World Wide Web) has been developed against a background of a free network environment such as the Internet. In particular, recently, many so-called Internet businesses (e-businesses) that perform specific services using the Internet have been proposed and operated.
[0006]
In this Internet business (e-business), there is also a service in which a virtual store is provided on the server side, and sample products, explanations, etc. are placed on a Web page to buy and sell products.
[0007]
Such electronic commerce (EC) settlement methods include cash delivery, transfer, a prepaid card method, and a credit card.
[0008]
In particular, when using a credit card, there are no problems such as purchasing a prepaid card, sending cash, transferring money, or delays in obtaining products due to delivery of goods after confirming payment. It has become.
[0009]
[Problems to be solved by the invention]
However, according to the credit card settlement method in electronic commerce as described above, the credit card information is confirmed by the store side server, so the transmitted credit card information remains in the store side server, There was a problem that the credit card information could be leaked.
[0010]
In addition, in order to prevent leakage of credit card information, there is a problem in that it is expensive to construct a server system, and it is difficult to realize low cost, which is an advantage of electronic commerce.
[0011]
In addition, when processing credit card information with another independent payment system and using such a third-party payment system, the payment processing screen design provided to the user is the one prepared on the payment system side. For this reason, the design is different from the design of the web page of the store-side server, giving the user the impression that the store and the payment service are different, and there is a problem of lack of smooth purchase at the store. It was.
[0012]
Accordingly, an object of the present invention is to provide a network settlement processing system, a network settlement processing apparatus, a network settlement processing method, and a network settlement capable of performing a secure and reliable settlement using a credit card on a computer network such as the Internet. It is to provide a processing program.
[0013]
[Means for Solving the Problems]
In order to solve the above problems, a network payment processing system according to the present invention is a network payment processing system for processing payment on a computer network such as the Internet, and is connected to the computer network to obtain purchase information and payment information of a product. An input user terminal; an electronic store server connected to the computer network for providing product information to the user terminal and receiving product purchase information from the user terminal; and connected to the computer network for the user terminal; A settlement server that performs settlement according to merchandise transactions between the electronic store servers, and the electronic store server displays a settlement information input screen from the settlement server when a predetermined settlement is designated from the user terminal. Control information for instructing the user terminal to provide The payment server provides the payment information input screen to the user terminal based on the control information from the electronic store server, and the user terminal is provided from the payment server. The payment information relating to the predetermined payment is input to the payment information input screen.
[0014]
The network payment processing apparatus of the present invention is a network payment processing apparatus that processes payment for product purchases between an electronic store server and a user terminal connected on a computer network such as the Internet. When payment is designated, control information receiving means for receiving from the electronic store server control information for instructing to provide a payment information input screen to the user terminal, and based on the control information, the user terminal Based on the payment information, payment information input screen providing means for providing a payment information input screen, payment information receiving means for receiving payment information relating to the predetermined payment input on the payment information input screen at the user terminal, and the payment information And a payment means for performing payment processing for the product purchase.
Here, the payment information input screen providing means receives a predetermined frame screen for displaying the payment information input screen together with the control information from the electronic store server, and the predetermined frame screen and the payment information input screen are displayed. The combined payment information input screen may be provided to the user terminal.
[0015]
In the above-described apparatus, the payment information is payment by credit card, registers information for identifying a user and credit card information for each user, and stores a floor limit corresponding to the registered credit card information. A limit storage means, and the payment means performs a credit check for a credit company when the amount corresponding to the purchase of the product in the electronic store server exceeds the floor limit stored in the floor limit storage means. Can be done.
In addition, when the amount corresponding to the purchase of the product at the electronic store server is within the floor limit, the settlement means accumulates the amount, and sums the amount for each predetermined period with the credit card. It can be processed as a purchase amount.
[0016]
In order to solve the above-mentioned problem, a network payment processing method according to the present invention is a network payment processing method for processing a payment for a product purchase between an electronic store server and a user terminal connected on a computer network such as the Internet in the payment server. When the predetermined payment is designated from the user terminal, the payment information receiving step is received from the electronic store server by the payment server instructing to provide a payment information input screen to the user terminal. And a payment information input screen providing step of providing the payment information input screen from the payment server to the user terminal based on the control information, and the predetermined payment input to the payment information input screen at the user terminal. A payment information receiving process in which the payment server receives payment information relating to And-up, characterized in that it comprises a settlement step of performing a settlement process of the purchase on the basis of the payment information.
[0017]
The payment information input screen providing step receives a predetermined frame screen for displaying the payment information input screen together with the control information from the electronic store server, and combines the predetermined frame screen and the payment information input screen. The payment information input screen can be provided to the user terminal.
[0018]
In order to solve the above problems, a network payment processing program according to the present invention is a network payment processing program for processing payment of a product purchase between an electronic store server and a user terminal connected on a computer network such as the Internet in a payment server. And a control information transmission step of transmitting control information from the electronic store server to the payment server instructing to provide a payment information input screen to the user terminal when a predetermined payment is designated from the user terminal. And based on the control information, the settlement result performed by the settlement server based on the settlement information related to the predetermined settlement input on the settlement information input screen provided to the user terminal from the settlement server, Payment result to be received from the payment server to the electronic store server And Shin steps, characterized in that it comprises a settlement result display step of displaying the payment result to the user terminal.
[0019]
Furthermore, the control information transmitting step causes the control information to be transmitted to the settlement server via the user terminal, and the settlement result receiving step receives the settlement result from the settlement server via the user terminal. It is good to make it.
[0020]
Since a credit card settlement system is provided separately from the store server and the credit card information is not passed to the store server, it is possible to make a safe and reliable settlement using the credit card on the computer network.
[0021]
Since the payment information input screen can be provided with the same or uniform design as the web page design of the store-side server, it is possible to prompt the user to use a credit card without giving a sense of discomfort or distrust.
[0022]
DETAILED DESCRIPTION OF THE INVENTION
Embodiments of a network payment processing system, a network payment processing apparatus, a network payment processing method, and a network payment processing program according to the present invention will be described below with reference to the drawings. Here, in the present invention, payment processing can be performed based on payment information from the user side (in the embodiment, credit card information) using a communication network such as the Internet.
[0023]
(1. First embodiment)
(1-1. Configuration of First Embodiment)
(1-1-1. Overall configuration)
FIG. 1 is a diagram showing an embodiment of a network payment processing system according to the present invention. In this figure, a system configuration is shown, and a workflow using this system is also shown for the purpose of facilitating understanding of the present invention.
This network payment processing system uses a computer network (hereinafter also simply referred to as “network”) 10 so that the user 20 can use the payment service of the payment company 30 to pay for the purchase of goods at the EC store 40. It is configured. The credit card credit used by the user 20 for payment is confirmed by the credit company 50 from the payment company 30. That is, when the user 20 selects a product at the EC store 40, the credit card information is transmitted from the user 20 to the settlement company 30 based on the purchase information of the product from the EC store 40, and the settlement company 30 sends the credit card information to the credit company 50. The credit is confirmed and the sales of the product at the EC store 40 are recorded. When the EC store 40 makes a sales request to the settlement company 30 and the settlement company 30 makes a sales request to the credit company 50 in response to the request, the EC store 40 receives the sales. Sends the product to the user 20.
[0024]
Next, a system configuration for realizing such a workflow will be described. In FIG. 1, devices used by a user 20 are user terminals 20 a to 20 c such as PCs (Personal Computers) and mobile phones that have a browser function and input merchandise purchase information and credit card information.
The device used by the payment company 30 is the payment server 30a, and the credit company 50 to the user 20 based on the payment information (credit card information) from the user terminals 20a to 20c and the product purchase information from the EC store system 40a. It has a function to acquire the credit information and perform the settlement process.
[0025]
The device used by the EC store 40 is an EC store system 40a, which has a server function, provides product information to the user terminals 20a to 20c, and sells products based on purchase information from the user terminals 20a to 20c. And a terminal for accessing the server. Each of the user terminals 20a to 20c, the settlement server 30a, and the EC store system 40a are connected to a network 10 such as the Internet. The network 10 can be constructed using the Internet or an intranet. In this case, since an existing application or system compliant with the Internet communication protocol can be used, the network payment processing system of the present invention can be realized at low cost.
[0026]
The equipment used by the credit company 50 is the billing system 50a in FIG. 1, and is connected to a dedicated network 60 such as a CAFIS (Credit And Finance Information System).
The settlement server 30a can perform credit confirmation with respect to the accounting core system 50a via the dedicated network 60.
[0027]
(1-1-2. Configuration of settlement server)
FIG. 2 is a diagram illustrating one configuration of the settlement server 30a. In FIG. 2, the settlement server 30 a includes a web page processing unit 31, an information processing unit 32, a sales processing unit 33, a transaction database (DB) 34, and an input / output unit 35.
The web page processing unit 31 performs processing for providing a web page for the user 20 to input credit card information. In the present embodiment, the EC store system 40a basically provides Web pages to the user terminals 20a to 20c, but the Web page on which the user 20 inputs credit card information is provided by the payment server 30a, whereby the EC store Credit card information is not passed to the system 40a side.
[0028]
More specifically, the credit card information input frame screen (hereinafter also simply referred to as “frame screen”) prepared on the EC store system 40a side received from the EC store system 40a via the network 10 and the credit card information are input. A web page of an information input screen for inputting credit card information is generated on a credit card information input partial screen (hereinafter also simply referred to as a “card information input screen”), and this Web page (information input screen) Is provided to the user terminals 20a to 20c (FIG. 1) via the network 10, and credit card information is received from the user terminals 20a to 20c (FIG. 1). Details of this processing will be described later in detail with reference to FIG.
[0029]
The information processing unit 32 processes the credit information of the user 20 acquired from the credit company 50 via the dedicated network 60 based on the credit card information and the product purchase information received by the Web page processing unit 31. The product purchase information is information for specifying an order made by the user 20 at the EC store 40 or information for specifying a purchase price, and is information received from the EC store system 40 a via the computer network 10.
The sales processing unit 33 generates transaction information based on the credit information processed in the information processing unit 32, and performs a sales billing process or a cancellation process from the EC store system 40a.
The transaction DB 34 records the transaction information generated by the sales processing unit 33, and the input / output unit 35 outputs billing data to be sent to the credit company 50.
[0030]
(1-1-3. Configuration of EC store system 40a)
FIG. 3 is a diagram showing an example of the configuration of the EC store system 40a. The EC store system 40 a includes a shopping system 41 and a shop database (DB) 42.
The shopping system 41 provides product information to the user terminals 20a to 20c (FIG. 1) via the network 10, and receives and processes product purchase information from the user terminals 20a to 20c (FIG. 1). In addition to a program that provides shop management functions such as product selection, a connection kit MDK that is a program for connecting to the settlement server 30a is provided.
[0031]
The connection kit MDK is a program provided from the settlement company 30 and the function of this program allows the settlement in the settlement server 30a to be performed without a sense of incongruity from shopping in the EC store system 40a as will be described in detail later. It has become. By providing such a connection kit MDK from the operating body of the settlement server 30a, the EC store operating body can easily introduce functions related to credit card payment.
The shop DB 42 is a database that stores provided product information such as images and descriptions of products provided to users.
[0032]
(1-2. Operation of First Embodiment)
Next, a network payment service using the network payment processing system of the present invention shown in FIGS. 1 to 3 will be described. As a specific example in the following description, the user terminal 20b will be described as a PC having a client function and a browser function, and the computer network 10 will be described as the Internet.
[0033]
(1-2-1. Sequence)
FIG. 4 is a sequence flow showing a network payment service using the network payment processing system of the present invention.
First, the user 20 starts a browser on the user terminal 20b, and accesses the shopping web page provided by the shopping system 41 of the EC store system 40a via the computer network 10 (step 401). In response to a product selection request from the user terminal 20b, the shopping system 41 searches for product information stored in the shop DB 42, and transmits a web page displaying the product information to the user terminal 20b. On the screen of the user terminal 20b, a Web page of a user information input screen for product purchase is displayed (step 402).
[0034]
When the product purchase procedure on the user 20 side ends (step 403) and a payment request with a credit card is sent from the user terminal 20b to the EC store system 40a (step 404), the shopping system 41 displays a credit card information input frame. The screen (frame screen) is held, and the URL (Uniform Resource Locator) and the information about the product purchased by the user 20 such as the order number and the sales price are transmitted as settlement URL information which is control information for the settlement server 30a. (Step 405). The connection kit MDK is programmed so that the payment URL information is transmitted to the payment server 30a via the user terminal 20b (see MDK (A) in FIG. 4).
[0035]
Upon receiving the frame screen URL and the product purchase information transmitted from the EC store system 40a, the web page processing unit 31 of the settlement server 30a requests the EC store system 40a for a screen frame based on the URL of the frame screen ( Step 406), a frame screen is fetched from the EC store system 40a (Step 407). And a payment screen is produced | generated together with the frame screen taken in from the credit card information input partial screen (card information input screen) and EC store system 40a, and it transmits to the user terminal 20b (step 408).
[0036]
In the user terminal 20b, credit card information such as a credit card number is input on the transmitted payment screen and transmitted to the payment server 30a to execute payment (step 409).
[0037]
The information processing unit 32 of the payment server 30a transmits the credit card information and product purchase information (such as trading value) to the credit company 50 via the dedicated network 60, and acquires the credit information from the credit company 50. (Step 410).
[0038]
The information processing unit 32 transmits the settlement result to the EC store system 40a based on the acquired credit information (step 411). The settlement result is transmitted by transmitting the settlement result transmission URL of the EC store system 40a from the settlement server 30a to the user terminal 20b and connecting it to the EC server 40a by automatic processing of the browser (in FIG. 4, MDK ( B)). The settlement result transmission URL is also included in the information transmitted from the EC store system 40 to the settlement server 10 in step 405.
[0039]
The shopping system 41 of the EC store system 40a transmits to the user terminal 20b a payment result screen for notifying the payment result concerning the completion of purchase of the product (step 412). In this settlement result screen, if the credit result is approved in the settlement processing in step 410, the user is notified of the completion of the purchase of the product, and the EC store 40 performs a delivery procedure for the product. On the other hand, if the credit result is unapproved, a product purchase error notification is transmitted to the user terminal 20b.
[0040]
After the delivery procedure of the merchandise, the EC store 40 accesses the sales processing unit 33 of the settlement server 30a from the EC store system 40a or the PC of the EC store 40 via the network 10, performs the sales billing process, and trades the result. Store in the DB 34 (step 413). The sales processing unit 33 can perform transaction history confirmation processing, merchandise cancellation, return processing, and other cancellation processing by accessing from the EC store system 40a. By this cancellation process, the transaction information stored in the transaction DB 34 is updated.
[0041]
The sales processing unit 33 creates billing data based on the transaction information in the transaction DB 34 at a predetermined timing, for example, twice a month, and outputs it from the input / output unit 35 (step 414). The billing data output from the input / output unit 35 is sent to the credit company 50 and settled at the credit company 50, and the sales proceeds are deposited on the EC store 40 side (step 415).
[0042]
(1-2-2. Screen transition)
Next, specific examples of Step 404 to Step 412 will be described with reference to the screen examples shown in FIGS.
FIG. 5 is a screen for receiving a settlement request from the user terminal 20b (step 404) and causing the EC store system 40a to select a settlement (“payment” in the figure) means for the user 20. In this example, payment by credit card or payment by bank transfer can be selected, and when the user 20 selects payment by credit card, settlement using the settlement server 30a is performed.
The URL for displaying the screen shown in FIG. 5 on the user terminal 20b is the URL 405 provided by the EC store system 40a. Here, when the user 20 selects payment by credit card and presses the “next” button, the settlement screen shown in FIG. 6 is displayed on the user terminal 20b (steps 404 to 408).
[0043]
By the way, the payment screen shown in FIG. 6 includes a URL 407 provided by the EC store system 40a and a URL 408 provided by the payment server 30a. More specifically, the screen shown in FIG. 7 is the screen frame described above, and this screen frame is the URL 407 in the EC store system 40a. Further, the screen shown in FIG. 8 is a screen inserted into the area X of the screen frame, and is the URL 408 in the settlement server 30a.
[0044]
In this way, if the EC store system 40a provides a screen frame and the payment server 30a provides a screen for inputting credit card information, the design of the Web page of the EC store system 40a is the same or uniform. Since the payment information input screen can be provided, it is possible to prompt the user 20 to input credit card information without giving the impression that the payment has been made by moving to another site.
In the screen shown in FIG. 6, when the user 20 inputs a credit card number and presses the “payment” button, the input information is transmitted to the settlement server 30a in step 409, and the settlement process in step 410 is performed. Is called. Then, the settlement result is transmitted to the EC store system 40a via the browser of the user terminal 20b, and the EC store system 40a displays the settlement result screen shown in FIG. 9 on the user terminal 20b (step 412).
[0045]
(1-2-3. Connection kit MDK)
Here, functions realized by the above-described connection kit MDK will be described in more detail.
As described above, information transmitted from the EC store system 40a to the settlement server 30a (step 405) and information transmitted from the settlement server 30a to the EC store system 40a (step 411) pass through the browser of the user terminal 20b. There is. This is based on the processing performed only by the EC store system 40a from the payment start program MDK (A) for causing the payment server 30a to start the payment processing, and the processing based on the payment result of the payment server 30a. This is realized by a settlement result receiving program MDK (B) for causing the store system 40a to perform.
The payment start program MDK (A) and the payment result reception program MDK (B) are generated by the EC store 40 as the shopping system 41 in accordance with the specifications of the connection kit MDK shown in FIG.
[0046]
The steps realized by the settlement start program MDK (A) and the settlement result reception program MDK (B) are also shown in FIG. As described above, by making the settlement start program MDK (A) and the settlement result receiving program MDK (B) programs that are automatically processed by the browser of the user terminal 20b, the user 20 can switch sites. The process transition from the EC store system 40a to the settlement server 30a is smoothly performed while presenting a screen that is not performed.
[0047]
Further, when the settlement company 30 is a company with high creditworthiness or a company with high security technology such as encryption, even if the EC store 40 does not have such sufficient credit and technology, it is easy. The settlement means by the settlement company 30 can be introduced into
[0048]
In such a case, if the settlement company 30 is specified as shown in FIG. 6, the user 20 can also purchase the product at the EC store 40 with peace of mind. In this case, there is an advantage that it is possible to receive a payment service provided by the payment company 30 without a sense of incongruity and annoyance once shifting from the site of the EC store 40 to the site of the payment company 30.
As described above, according to the network payment processing system, the network payment processing device, the network payment processing method, and the network payment processing program of the present invention, the payment server 30a separate from the EC store system 40a performs payment with a credit card. Since the credit card information is not passed to the EC store system 40a side, the credit card can be used on the computer network 10 for safe and reliable settlement.
[0049]
(2. Second embodiment)
Next, a second embodiment of the present invention will be described. In the second embodiment, the user 20 can register credit card information with the settlement company 30. When using a registered credit card, the user 20 is authenticated and registered with a user ID, password, or the like. It enables payment by credit card.
The registered credit card can be used for payment at a plurality of EC stores 40 where the payment company 30 provides a payment service.
[0050]
In addition, the registered credit card is reconsidered at the credit company 50 every month and the floor limit is set, and the credit to the credit company 50 is confirmed for every small payment at the EC store 40. The steps to do are alleviated.
The floor limit is an amount of money that the user 20 must ask for approval of sales from the credit company 50 when the user 20 uses the credit card beyond the amount. In addition, since the washing process technique which performs confirmation processes, such as a credit card number change, an expiration date, and a floor limit, is known well, concrete description is abbreviate | omitted.
In the second embodiment, since the processing in the payment server 30a is different from that in the first embodiment, the processing in the payment server 30a will be described in detail below.
[0051]
(2-1. Flow of processing of payment server)
FIG. 10 is a flowchart showing processing performed by the payment server 30a when a credit card number can be registered on the payment screen, and corresponds to steps 408 to 411 shown in FIG.
The settlement server 30a transmits the settlement screen combined with the screen frame acquired from the EC store system 40a to the user terminal 20b, similarly to step 408 in FIG. 4 (step 501). In this embodiment, as illustrated in FIG. 12, when payment is made using an unregistered credit card, credit card information such as a credit card number, name, and expiration date is input, and the registered credit card When making a payment using, a user ID and a password are input.
[0052]
(2-1-1. Registration card)
When the payment server 30a determines that the user ID and password are input on the payment screen (step 502; Yes), the payment server 30a determines whether the registered user can be authenticated based on the input information (step 503).
If the user 20 has been successfully authenticated with the user ID and password (step 503; Yes), it is next determined whether or not the payment amount is within the floor limit (step 504).
[0053]
If it is determined that the payment amount at the EC store 40 is within the floor limit (step 504; Yes), the transaction information is accumulated in the member DB 36 (see FIG. 11, described in detail later) (step 507). If it is determined that the payment amount exceeds the floor limit (step 504; No), credit confirmation is performed with the credit company 50 (step 505), and if the credit result is approved (step 506; Yes), Transaction information is stored in the member DB 36 (step 507).
[0054]
And the transaction result screen which shows that the transaction by a registration card as shown in FIG. 13 was completed is transmitted to the user 20 (step 508), and a payment process is complete | finished.
Note that steps 501 to 508 show a case in which payment with a registration card is performed without any problem, but when authentication cannot be performed with the input ID and password (step 503; NO), as shown in FIG. A screen for notifying the user 20 that there is an error in the user ID and password is transmitted (step 509), and if the credit result from the credit company 50 is not approved (step 506; No), FIG. As shown in FIG. 15, a screen for notifying that the credit card cannot be used is displayed on the user terminal 20b (step 510).
[0055]
(2-1-2. Unregistered credit card)
In step 502, when it is determined that the card number is directly input on the payment screen (step 502; No), that is, when payment is made using an unregistered credit card, individual transactions are performed as in the first embodiment. Each credit transaction is treated as a credit transaction for confirming credit with the credit company 50.
[0056]
Accordingly, the settlement server 30a performs credit confirmation with respect to the credit company 50 (step 511), and when the credit result is approval (step 512; Yes), the credit transaction as shown in FIG. 16 is successful. A credit transaction result screen is transmitted to notify the user 20 and to register the credit card (step 513). If the settlement result is unapproved (step 512; No), a card unusable notification screen as shown in FIG. 15 is transmitted (step 510).
[0057]
And when it determines with the user 20 having instruct | indicated that the said credit card is registered into the payment server 30a on a credit transaction result screen (step 514; Yes), it transfers to the process which registers credit card information (step 515). ), A process of newly issuing a user ID and password corresponding to the credit card information used for the settlement is performed (step 516). If the user 20 does not instruct registration on the credit transaction result screen, the payment process is terminated without registering the credit card information.
[0058]
When registering credit card information, when the user 20 inputs necessary items such as a credit card number, name, and expiration date, and presses a “new registration” button, a new registration screen (not shown) is displayed and the user 20 is displayed. Personal attribute information such as an address, a telephone number, and an e-mail address may be input. Then, the settlement server 30a transmits information for confirming whether or not the person is the principal to the credit company 50 corresponding to the received credit card number. For example, if the address entered on the new registration screen matches the address registered with the credit company 50, the user who entered the credit card number is confirmed as the card member himself / herself. When the identity verification is performed, the settlement server 30a issues a user ID and a password and registers them in the member DB 36. In order to further confirm the identity, the issued user ID and password are mailed to the address entered on the new registration confirmation screen. Alternatively, it may be transmitted by e-mail.
[0059]
(2-2. Database configuration of settlement server)
As described above, in the second embodiment, credit card information can be registered and authenticated with a user ID and password, and a floor limit can be set for a registered card.
Therefore, in the second embodiment, the settlement server 30a includes the member DB 36 shown in FIG. 11 in addition to the transaction DB 34 shown in FIG. 2, and sales billing data 37 based on the data in the member DB 36 accumulated according to the transaction. And the replacement data 38 can be generated. FIG. 11 shows the correspondence between the data added in the second embodiment and the processing shown in FIG.
[0060]
In the member DB 36, information relating to a member (user 20) such as an address and name, authentication information such as a user ID and password, and transaction information using the credit card are stored in association with credit card information.
The authentication in step 503 can be performed by referring to whether or not the combination of the user ID and password input from the user 20 is recorded in the member DB 36.
[0061]
Further, when determining whether or not the floor limit is within the step 504, the transaction information stored in the member DB 36 is referred to, and the floor limit amount set in the credit card is compared with the total transaction amount. Can be done. The stored transaction information is the data stored in the member DB 36 in the past in step 507 as the transaction information using the registered credit card.
[0062]
In the second embodiment, a transaction with a registered credit card is regularly charged to the credit company 50 as a single sales request, and the floor limit is also periodically changed. ing.
Step 600 shown in FIG. 11 shows this periodic processing, and sales billing processing for generating sales billing data 37 based on the data accumulated in the member DB 36 and transmitting it to the credit company 50 (step 601). And a replacement process (step 602) for generating replacement data for replacing the data stored in the member DB 36 and transmitting / receiving data to / from the credit company 50.
[0063]
As described above, when the credit card information can be registered in the settlement server 30a, the user 20 can save the trouble of inputting the credit card number each time and transmits the credit card number on the computer network 10. Anxiety can be reduced.
In the settlement server 30a, the registered credit card can be reconsidered, and if it is within the floor limit, it is possible to reduce the process of confirming credit to the credit company 50 each time. Such time can also be shortened.
On the other hand, for the credit company 50, the sales for a certain period of time are charged from the settlement company 30 as a single sales request, so transactions between the settlement company 30 and the credit company 50 can be reduced. Expenses such as issuance costs for the use statement of the credit company 50, which is a problem in the small payment, can be suppressed, and as a result, the fee can be reduced.
[0064]
(3. Modified examples)
The present invention is not limited to the two embodiments described above, and various modifications are possible.
[0065]
For example, as shown in FIG. 17, if the settlement company 30 becomes a representative member store of the credit company 50 and the EC store 40 becomes a subsidiary, the EC store 40 does not need to be a member store of the credit company 50. In this case, even if the user 20 makes a small payment in any of the plurality of EC store systems 40a to 40c, the credit company 50 can handle the payment as a payment in one member store. In addition, since floor limit can collectively process the billing of EC store 40 that can use the settlement service of the settlement company provided by such a system, a small amount settlement using a credit card in EC store 40, which has been difficult in the past, has been made. Will also be promoted.
[0066]
In the above-described example, a credit card is described as an example of the predetermined settlement. However, the settlement processed by the settlement company 30 is not limited to this, and other settlements such as a debit card, transfer, account withdrawal, or cash on delivery are possible. It does not matter.
Further, the product purchased by the user 20 at the EC store 40 is not necessarily a tangible product, and may be a digital content download or a service provided. .
[0067]
In addition, the payment information input screen may include advertisement information of the credit company 50 related to the credit card information. This advertisement information includes information linked to an advertiser's Web page, such as a banner advertisement of a credit company. In this case, for example, an advertisement of a credit company other than the credit company selected as the payment card may be displayed, and an advertisement that promotes membership may be displayed, or the partner of the selected credit company The advertisement may be displayed. As described above, as a technique for selecting an advertisement to be displayed based on information input as settlement information, for example, the Web page processing unit 11 determines a credit company from the credit card number received in Step 409, and the credit What is necessary is just to comprise so that the advertisement information memorize | stored in association with the company may be transmitted together in step 411.
[0068]
【The invention's effect】
As described above, according to the network payment processing system and the network payment processing method of the present invention, the credit card payment system is provided separately from the EC store, and the credit card information does not pass to the EC store side. You can now make a safe and secure payment using a credit card.
[0069]
In addition, since the payment information input screen can be provided with the same or uniform design as the web page design on the EC store side, the user is encouraged to use a credit card without feeling discomfort or distrust. I can do it now.
[Brief description of the drawings]
FIG. 1 is a diagram showing an example of a network payment processing system of the present invention.
FIG. 2 is a diagram showing an example of a settlement server of the present invention.
FIG. 3 is a diagram showing an example of an EC store system according to the present invention.
FIG. 4 is a flowchart showing an example of network payment processing according to the first embodiment of the present invention.
FIG. 5 is a screen example used in the present invention.
FIG. 6 is a screen example used in the present invention.
FIG. 7 is a screen example used in the present invention.
FIG. 8 is an example of a screen used in the present invention.
FIG. 9 is a screen example used in the present invention.
FIG. 10 is a flowchart showing an example of processing of a settlement server according to the second embodiment of the present invention.
FIG. 11 is a diagram for explaining a database of a settlement server according to the second embodiment of the present invention.
FIG. 12 is a screen example used in the present invention.
FIG. 13 is an example of a screen used in the present invention.
FIG. 14 is an example of a screen used in the present invention.
FIG. 15 is an example of a screen used in the present invention.
FIG. 16 is an example of a screen used in the present invention.
FIG. 17 is a diagram showing another example of the present invention.
[Explanation of symbols]
10 Computer network
20 users
20a-20c User terminal
30 Payment company
30a payment server
31 Web page processing section
32 Information processing department
33 Sales Processing Department
34 Transaction DB
35 Input / output section
40 EC store
40a EC store system
41 Shopping system
42 Shop DB
50 credit companies
50a Billing system
60 Dedicated network

Claims (7)

A network payment processing apparatus that processes payment for product purchases between an electronic store server and a user terminal connected on a computer network such as the Internet,
Control for instructing the user terminal to provide a payment information input screen transmitted from the electronic store server in response to a credit card payment request from the user terminal to the electronic store server via the computer network Information is received via the computer terminal via the user terminal, and a predetermined frame screen for displaying the payment information input screen is displayed via the computer network based on the received control information. Control information receiving means for requesting the electronic store server and receiving the frame screen transmitted from the store server in response to the request ;
In accordance with the control information, a payment information input screen providing means for providing a portion for inputting credit card information to the predetermined frame screen as the payment information input screen and providing the payment information input screen to the user terminal ,
Payment information receiving means for receiving payment information related to the credit card payment input on the payment information input screen in the user terminal;
Floor limit storage means for registering information for identifying a user and credit card information for each user, and storing a floor limit corresponding to the registered credit card information;
When the product purchase is settled based on the payment information, and the amount corresponding to the purchase of the product in the electronic store server exceeds the floor limit stored in the floor limit storage means, A payment means for performing a credit check on the company,
A network payment processing apparatus. If the amount corresponding to the purchase of the product at the electronic store server is within the floor limit, the settlement means accumulates the amount, and the total amount for each predetermined period is the purchase amount with the credit card The network settlement apparatus according to claim 1, wherein the processing is performed as follows. A network payment processing system for processing payments on a computer network such as the Internet,
A user terminal connected to the computer network for inputting product purchase information and payment information;
An electronic store server connected to the computer network, providing product information to the user terminal, and receiving purchase information of the product from the user terminal;
A payment server connected to the computer network for performing payment according to product transactions between the user terminal and the electronic store server;
With
The electronic store server, when a predetermined payment is requested from the user terminal, transmits control information that instructs the user terminal to provide a payment information input screen from the payment server to the payment server,
The payment server provides the payment information input screen to the user terminal based on the control information from the electronic store server,
The user terminal transmits the payment information related to the predetermined payment input on the payment information input screen provided from the payment server to the payment server,
The payment server comprises the function of the network payment processing device according to claim 1 or 2.
A network payment processing system characterized by that. A network payment processing method for processing payment for a product purchase between an electronic store server and a user terminal connected on a computer network such as the Internet at a payment server,
(A) Providing the user terminal with a payment information input screen transmitted from the electronic store server in response to a credit card payment request from the user terminal to the electronic store server via the computer network. Control information to be instructed is received by the payment server via the computer terminal via the user terminal, and a predetermined frame screen for displaying the payment information input screen is displayed based on the received control information. A control information receiving step of requesting the payment server to the electronic store server via the computer network and receiving the frame screen transmitted from the store server in response to the request ;
(B) In accordance with the control information, a portion for inputting credit card information is incorporated into the predetermined frame screen as the payment information input screen, and the payment information input screen is provided from the payment server to the user terminal. A payment information input screen providing step;
(C) a payment information receiving step in which the payment server receives payment information related to the credit card payment input on the payment information input screen at the user terminal;
(D) When the payment processing of the product purchase is performed based on the payment information, and the amount corresponding to the purchase of the product at the electronic store server exceeds the floor limit prepared in advance, Credit check against
A network payment processing method. In the step (D), when the amount corresponding to the purchase of the product in the electronic store server is within the floor limit, the amount is accumulated, and the amount summed up for each predetermined period is stored in the credit card. 5. The network settlement processing method according to claim 4, further comprising a step of processing as a purchase amount. A network payment processing program for processing payment for product purchases between an electronic store server and a user terminal connected on a computer network such as the Internet at a payment server,
A network settlement processing program for causing a computer to realize the functions of the network settlement processing apparatus according to claim 1 or 2. A network payment processing program for processing payment for product purchases between an electronic store server and a user terminal connected on a computer network such as the Internet at a payment server,
A network payment processing program for causing a computer to realize the processing of the network payment processing method according to claim 4 or 5.

Images