JP4506648B2 - Electronic payment system, electronic payment method, electronic payment service program, and program recording medium - Google Patents

Description

  The present invention relates to an electronic payment system, an electronic payment method, an electronic payment service program, and a program recording medium, and in particular, between a product purchaser and a product seller via a network without presenting each other's personal information. The present invention relates to an electronic payment system, an electronic payment method, an electronic payment service program, and a program recording medium that can safely perform payment processing.

  When making a payment with cash at the time of purchase of a product, the product purchaser holds cash and can actually deliver the cash to the product seller. In order to prove, there is no need to present to the merchant personal information about the merchandise buyer himself.

  On the other hand, in recent years, online shopping and Internet auctions, in which it is difficult to deliver cash via the Internet and other networks, have become widespread, and payment methods that replace cash, such as credit card use and bank account withdrawal, are used. Is increasing rapidly. Furthermore, in order to eliminate the risk of possession of cash, payments by means other than cash, such as credit cards, are increasing even in the case of product purchases at stores.

  In general, when using payment by bank account debit, when purchasing a product in online shopping or an internet auction, the product purchaser must be a merchant as described in Japanese Patent Laid-Open No. 2002-247029. On the other hand, it is required to present personal information such as name, address, telephone number and bank account number.

  In addition, even with payment by credit card, when purchasing products at online shopping or Internet auctions, the product buyer is required to present personal information such as name, address, telephone number and credit card number to the product seller. Or, when purchasing goods at a store, it is required to present the credit card itself.

  Further, in the settlement using the electronic money card for public competition disclosed in Japanese Patent Laid-Open No. 2002-259862 shown in Patent Document 2, information such as the name of the product purchaser (user) side, account information, and the product seller (organizer) ) Side account information is recorded on the terminal installed by the merchandise seller, and personal information about the merchandise buyer is handed over to the merchant. .

  In other words, in each of these conventional payment methods, the product purchaser clarifies the identity of his / her name and address, and presents information such as a card number and bank account number used for repeated payments. As a result, personal information is leaked and there is a risk of unauthorized use of payment methods.

In addition, in WebMoney, which is another payment method in online shopping and Internet auctions, a product purchaser purchases a card at a store and inputs a card number written on the card at the time of payment. ing. In this method, the product purchaser can make a payment without revealing his / her identity.
Also, since the card purchase amount is the upper limit of the usage amount, even if the card number entered at the time of payment is leaked to another person and used illegally, the damage will not be more than the upper limit of the usage amount, It is not zero. In addition, it is necessary to go to a card handling store to purchase a card, and there is a problem that it takes time to use the card.
Japanese Patent Laid-Open No. 2002-247029 (pages 24-27) JP 2002-259862 A (page 5-7)

  As described above, in recent years, online shopping and Internet auctions have become established due to the spread of the Internet. However, in online shopping and Internet auctions where there are no physical stores where products are sold, there is generally no trust relationship between the product buyer and the product seller. In the conventional electronic payment method, as described above, it is essential to provide personal information regarding the product purchaser himself to the product seller, and the problem in settlement is increasing. In particular, in the case of Internet auctions, there are an increasing number of cases where there are doubts about the reliability of merchandise sellers, such as an increase in the number of individuals who are sellers of merchandise.

  Even when payment is made in a store other than cash, the risk of encountering damage such as card skimming is increasing when payment is made using a credit card, for example.

  Even in such an environment where payments other than cash are made, as a product purchaser, there is a strong desire for a safe payment method that does not reveal one's own identity and does not illegally use one's own payment method. It is. In other words, even when using a payment method other than cash delivery, the product purchaser's personal information is sold between the product purchaser and the product seller who do not have a mutual trust relationship. It is desirable to realize a payment method that can reliably reduce the risk associated with payments without providing information to the purchaser or, conversely, without providing the product buyer with information such as the account number of the product seller. .

  Therefore, an object of the present invention relates to a product purchaser issued by a financial institution in which the product purchaser has an account when the product purchaser settles the product purchase price in online shopping or an internet auction. By using a temporary number (hereinafter referred to as a settlement number) that does not include any personal information and replaces the product purchase price, payment is made without revealing information such as the identity of the product purchaser or the account number of the product seller. It is to provide a method and means that can.

  In addition, another object of the present invention is to provide a mechanism in which a payment number is only valid for one payment, so that even if the payment number leaks to a third party after one payment, The object is to provide a method and means that cannot be used illegally.

  Furthermore, another object of the present invention is to provide a method and means that do not require the trouble of obtaining a settlement number by adopting a mechanism capable of obtaining the settlement number online.

  In order to solve the above-described problems, an electronic payment system, an electronic payment method, an electronic payment service program, and a program recording medium according to the present invention employ the following characteristic configurations.

(1) a purchaser terminal used by a product purchaser, a purchaser-side financial processing device operated by a financial institution that has opened a settlement account for the purchaser of the product, and a seller device used by the product seller In the electronic payment system for connecting the respective merchant-side financial processing devices operated by the financial institutions that have established the sales settlement accounts of the merchandise sellers and making payments for the merchandise purchase price by connecting each via a network,
The purchaser-side financial processing device issues a payment number issuance request including at least information relating to a payment account and a payment amount from the purchaser terminal of a product purchaser who intends to purchase a product via the network. When received, it generates a settlement number used for settlement of the product, stores it in the settlement number DB as a registered settlement number in association with the settlement account and the settlement amount included in the settlement number issue request The settlement number is returned to the purchaser terminal via the network, and the received settlement number is received when the settlement number is received as a received settlement number from the seller-side financial processing apparatus via the network. Is not a number that is invalidated as the registered settlement number, and the stored settlement settlement number that matches the received settlement number exists. If, after the withdrawal of the settlement amount from the settlement accounts stored in association with the registration payment number that matches, and later, the process of invalidating the number matched the registration settlement number and,
The purchaser financial processing apparatus generates as a settlement number using a novel number with the exception of the registration payment number and the invalid number is already stored in the settlement number DB in the settlement of the commodity,
The process of setting the registered settlement number as an invalid number is a process for re-registering the settlement account associated with the registered settlement number and stored in the settlement number DB as all zeros, blank or other invalid values. Payment system.
(2) A purchaser-side financial institution identification number that can uniquely identify a purchaser-side financial institution operating the purchaser-side financial processor is added to the settlement number generated by the purchaser-side financial processor. At least including the purchaser-side financial unit identified by the purchaser-side financial institution identification number included in the payment number when the payment number is transmitted via the network. The electronic payment system according to (1), which is transmitted to the purchaser's financial processing apparatus of the institution.
(3) The electronic settlement system according to the above (1) or (2), wherein the settlement number generated by the purchaser-side financial processing device is composed of any one or a combination of numbers, characters, and symbols.
(4) The electronic settlement system according to (1) or (2), wherein the settlement number does not include personal information of the product purchaser or information relating to the account of the product purchaser.
(5) When the purchaser terminal receives the payment number from the purchaser-side financial processing device via the network, the purchaser terminal transmits the received payment number to the seller device via the network. The electronic payment system according to any one of (1) to (4) above.
(6) When the purchaser terminal receives the payment number from the purchaser-side financial processing apparatus via the network, the purchaser terminal outputs the received payment number to the purchaser of the purchaser terminal. The electronic payment system according to any one of (1) to (4), wherein the payment number input from the merchandise purchaser is transmitted to the seller device via the network.
(7) When the seller device receives the payment number from the purchaser terminal via the network, the seller device transmits the received payment number to the seller-side financial processing device via the network. When the seller-side financial processing apparatus receives the payment number from the seller apparatus via the network, the seller-side financial processing apparatus transmits the received payment number to the purchaser-side financial processing apparatus via the network. The electronic payment system according to (5) or (6) above.
(8) When the purchaser-side financial processing device receives the payment number as the received payment number from the seller-side financial processing device via the network, the received payment number is invalid as the registered payment number. The payment amount stored in association with the registered payment number that matches the received payment number when the registered payment number that matches the received payment number exists. The electronic payment system according to (7), wherein the electronic payment system is returned to the seller-side financial processing apparatus via the network.
(9) When the purchaser-side financial processing device receives the payment number as the received payment number from the seller-side financial processing device via the network, the received payment number is invalid as the registered payment number. (7) electronic payment for invalidating the payment if the registered payment number stored does not match the received payment number. system.
(10) The merchandise using the merchant apparatus to which the settlement number has been transmitted when the merchant-side financial processing apparatus receives the settlement amount from the purchaser-side financial processing apparatus via the network. The electronic settlement system according to (8), wherein the settlement amount is transferred to the seller settlement account of the seller.
(11) The seller-side financial processing device notifies the seller device of the completion of payment via the network when the payment amount is transferred to the sales settlement account. Electronic payment system.
(12) When the seller device receives a notification of the completion of payment from the seller-side financial processing device via the network, the seller device performs subsequent processing related to the product for payment, and (11) The electronic payment system according to (11), in which the purchaser terminal is notified of the completion of payment.
(13) When the purchaser terminal receives a notification of the completion of payment from the seller device via the network, the purchaser terminal outputs the payment completion to the purchaser of the purchaser terminal. The electronic payment system according to (12), which notifies
(14) The purchaser terminal and the seller device are the same device, and information transmitted and received between the purchaser terminal and the seller device is transmitted via the network (1) ) To (13).
(15) The purchaser-side financial processing device and the seller-side financial processing device are composed of the same processing device, and the purchaser-side financial processing device and the seller-side financial processing device are between The electronic settlement system according to any one of (1) to (14), wherein information to be transmitted and received is transmitted without going through the network.
(16) The networks connecting the purchaser terminal, the purchaser-side financial processing device, the seller device, and the seller-side financial processing device are all the same network or only partly the same network Or the electronic payment system according to any one of (1) to (15), which is configured by any one of different networks.
(17) A purchaser terminal used by a product purchaser, a purchaser-side financial processing apparatus operated by a financial institution that has opened a settlement account for the purchaser of the product, and a seller device used by the product seller , In an electronic payment method in which a merchant-side financial processing apparatus operated by a financial institution that has established a sales settlement account of the merchandise seller is connected to each other via a network to settle the purchase price of the merchandise.
The purchaser-side financial processing device issues a payment number issuance request including at least information relating to a payment account and a payment amount from the purchaser terminal of a product purchaser who intends to purchase a product via the network. When received, it generates a settlement number used for settlement of the product, stores it in the settlement number DB as a registered settlement number in association with the settlement account and the settlement amount included in the settlement number issue request The settlement number is returned to the purchaser terminal via the network, and the received settlement number is received when the settlement number is received as a received settlement number from the seller-side financial processing apparatus via the network. Is not a number that is invalidated as the registered settlement number, and the stored settlement settlement number that matches the received settlement number exists. If, after the withdrawal of the settlement amount from the settlement accounts stored in association with the registration payment number that matches, and later, the process of invalidating the number matched the registration settlement number and,
The purchaser financial processing apparatus generates as a settlement number using a novel number with the exception of the registration payment number and the invalid number is already stored in the settlement number DB in the settlement of the commodity,
The process of setting the registered settlement number as an invalid number is a process for re-registering the settlement account associated with the registered settlement number and stored in the settlement number DB as all zeros, blank or other invalid values. Payment Method.
(18) A purchaser-side financial institution identification number capable of uniquely identifying a purchaser-side financial institution operating the purchaser-side financial processor is added to the settlement number generated by the purchaser-side financial processor. The seller side financial processing device includes the purchaser side identified by the purchaser side financial institution identification number included in the settlement number when transmitting the settlement number via the network The electronic settlement method according to (17), wherein the electronic settlement method is transmitted to the purchaser financial processing apparatus of a financial institution.
(19) The electronic settlement method according to (17) or (18), wherein the settlement number generated by the purchaser-side financial processing apparatus is composed of any one or a combination of numbers, characters, and symbols.
(20) The electronic settlement method according to (17) or (18), wherein the settlement number does not include personal information of the product purchaser or information relating to the account of the product purchaser.
(21) When the purchaser terminal receives the payment number from the purchaser financial processing device via the network, the purchaser terminal transmits the received payment number to the seller device via the network. The electronic settlement method according to any one of (17) to (20) above.
(22) When the purchaser terminal receives the payment number from the purchaser-side financial processing apparatus via the network, the purchaser terminal outputs the received payment number to the purchaser of the purchaser terminal. The electronic payment method according to any one of the above (17) to (20), wherein the payment number input from the merchandise purchaser is transmitted to the seller device via the network.
(23) When the seller device receives the payment number from the purchaser terminal via the network, the seller device transmits the received payment number to the seller-side financial processing device via the network. When the seller-side financial processing apparatus receives the payment number from the seller apparatus via the network, the seller-side financial processing apparatus transmits the received payment number to the purchaser-side financial processing apparatus via the network. The electronic payment method according to (21) or (22) above.
(24) When the purchaser-side financial processing device receives the payment number as the received payment number from the seller-side financial processing device via the network, the received payment number is invalid as the registered payment number. The payment amount stored in association with the matching registered payment number when there is a match with the received payment number among the stored registered payment numbers. Is returned to the seller-side financial processing apparatus via the network.
(25) When the purchaser-side financial processing device receives the payment number as the received payment number from the seller-side financial processing device via the network, the received payment number is invalid as the registered payment number. Or the electronic settlement of the above (23) in which the settlement is invalidated when there is no registered settlement number that matches the received settlement number. Method.
(26) The merchandise using the merchant apparatus to which the settlement number has been transmitted when the merchant-side financial processing apparatus receives the settlement amount from the purchaser-side financial processing apparatus via the network. The electronic settlement method according to (24), wherein the settlement amount is transferred to the sales settlement account of the seller.
(27) The merchant-side financial processing apparatus notifies the merchant apparatus of the completion of settlement via the network when the settlement amount is transferred to the sales settlement account. Electronic payment method.
(28) When the seller device receives a notification of the completion of payment from the seller-side financial processing device via the network, the seller device performs subsequent processing on the product to be settled, and (27) The electronic payment method according to (27), in which the purchaser terminal is notified of the completion of payment.
(29) When the purchaser terminal receives a notification of the completion of payment from the seller device via the network, the purchaser terminal outputs the payment completion to the merchandise purchaser of the purchaser terminal. (28) The electronic payment method described above.
(30) The purchaser terminal and the seller device are the same device, and information transmitted and received between the purchaser terminal and the seller device is transmitted via the network (17) ) To (29).
(31) The purchaser-side financial processing device and the seller-side financial processing device are composed of the same processing device, and between the purchaser-side financial processing device and the seller-side financial processing device. The electronic settlement method according to any one of (17) to (30), wherein information to be transmitted and received is transmitted without passing through the network.
(32) The networks connecting the purchaser terminal, the purchaser financial processing device, the seller device, and the seller financial processing device are all the same network or only partly the same network Or the electronic payment method according to any one of (17) to (31), which is configured by any one of different networks.
(33) An electronic payment service program in which any one or more of the electronic payment methods of (17) to (32) are realized by a program logic executable by a computer.
(34) A program recording medium in which the electronic settlement service program of (33) is recorded on a computer-readable recording medium.

  According to the electronic payment system, the electronic payment method, the electronic payment service program, and the program recording medium of the present invention, a product issued from a financial institution having a payment account for the product purchaser to settle the purchase price of the product Since a payment number that does not include personal information about the purchaser and is valid only once is acquired and used via the network, the following effects can be obtained.

  Make payments without revealing the identity of the product purchaser or revealing the merchant's account number or other information when the product purchaser pays for the purchase of the product at online shopping or in stores be able to.

  Further, since the settlement number is used only for one settlement, even if the settlement number leaks to a third party after the settlement, it is not used illegally.

  Further, since the settlement number can be acquired online via a network when purchasing a product, it does not require time and effort.

More specifically, the following effects can be obtained.
(1) The product purchaser can make a payment without presenting personal information such as the name, address, account number, and credit card number of the product purchaser to the product seller.

  (2) On the other hand, the merchandise seller can also make a settlement without notifying the merchandise buyer of information such as the merchandise seller's own account number.

  The effects such as (1) and (2) are particularly effective when there is a doubt about the reliability between the product buyer and the product seller, such as an Internet auction where transactions are conducted between individuals. is there.

  (3) Since the payment number, which is information for payment exchanged between the product purchaser and the product seller, can be used as a valid number only once, a valid payment is made. After that, even if the corresponding settlement number is leaked to a third party, damage related to settlement due to unauthorized use of the settlement number does not occur.

  (4) Since the payment number can be obtained via a communication network such as the Internet, it does not take time and labor as in purchasing a physical card at a store.

  (5) Since the settlement number can be expressed as a combination of numbers, letters and symbols, no special equipment for recording is required. In other words, it is possible for a human to visually observe and store it, or to temporarily write it on paper and deliver it.

  (6) The purchaser's financial institution identification number or financial institution name used for settlement is information exchanged only between the purchaser's financial processor and the seller's financial processor. Is not transferred to the purchaser terminal or the seller device, and thus is not notified to the product purchaser or the product seller, and the secrecy of the electronic payment can be further improved.

  (7) Furthermore, the purchaser-side financial processing device and the seller-side financial processing device are a purchaser-side financial institution having a settlement account for the product purchaser and a seller-side finance having a sales settlement account for the product seller. It is possible to operate with an institution using its own separate processing device, and it is possible to improve the versatility of the product purchaser and the product seller as a settlement organization.

  Hereinafter, preferred embodiments of an electronic payment system, an electronic payment method, an electronic payment service program, and a program recording medium according to the present invention will be described with reference to the accompanying drawings. In the following description of the embodiment, a case where a general bank is used as a financial institution serving as a settlement institution is shown. First, features of the electronic settlement method according to the present invention will be described with reference to FIG. FIG. 1 is a conceptual diagram for explaining the characteristics of an electronic payment method according to the present invention, in which a product purchaser (hereinafter referred to as product purchaser) 1 and the product purchaser 1 themselves open a settlement account. A bank (hereinafter referred to as “buyer side bank”) 3, a merchandise seller (hereinafter referred to as “product merchant”) 2, and a bank (hereinafter referred to as “merchant side bank”) 4 in which the merchandise seller 2 itself has opened a sales settlement account It is made up of.

  Information can be transmitted and received between the product purchaser 1, the product seller 2, the purchaser side bank 3, and the seller side bank 4 via a communication network such as the Internet. As shown in FIG. 1, generally, between a product purchaser 1 and a buyer-side bank 3, between a product seller 2 and a seller-side bank 4, a buyer-side bank 3 and a seller-side bank 4, there is a trust relationship, but there is no trust relationship between the product purchaser 1 and the product seller 2.

  Next, the outline of the electronic payment method according to the present invention will be described with reference to FIG. First, when the merchandise purchaser 1 requests the merchandise seller 2 to purchase a merchandise item via the store or the Internet, the merchandise purchaser 1 receives a charge for the purchase price of the merchandise item from the merchandise seller 2 (step S1). The merchandise purchaser 1 wants to settle the purchase price of the merchandise, but does not want to reveal his / her identity to the merchandise seller 2 who does not have a trust relationship, and is not illegally used. Therefore, the product purchaser 1 who has received a charge for the product price from the product seller 2 uses a personal computer, a mobile phone, etc., to the purchaser's bank 3 via the communication network such as the Internet. In order to acquire a settlement number used only for settlement, an application is made for registration of the merchandise purchaser 1's own account number (hereinafter referred to as purchaser account number) and merchandise purchase price (hereinafter referred to as settlement amount) (step S2).

  The purchaser bank 3 that has received the application for registration includes at least information for identifying the purchaser bank 3 itself (hereinafter referred to as purchaser bank identification number), and can uniquely identify the settlement. Number (hereinafter referred to as payment number: a number completely unrelated to the purchaser's identity and payment account), and stores the generated payment number, purchaser account number, and payment amount as a pair. At the same time, the generated purchase number is notified to the product purchaser 1 through a communication network such as the Internet (step S3). The purchaser bank identification number is information shared only between banks, and even if the product purchaser 1 or the product seller 2 acquires the purchaser bank identification number, The name of the buyer's bank 3 cannot be recognized from the side bank identification number. That is, the information is not disclosed to the product purchaser 1 or the product seller 2.

  In addition, the registration application from the product purchaser 1 is a settlement number issuance request for requesting the issuance of a settlement number used for settlement of only the purchase price of the product to be purchased. The information regarding the account and the settlement amount includes at least the purchaser account number and the settlement amount. Further, the purchaser account number and the payment amount associated with the generated payment number are information held only by a specific bank (in this case, the purchaser bank 3). The merchandise purchaser 1 who has obtained the settlement number notifies the merchandise seller 2 of the obtained settlement number (step S4). The merchandise seller 2 notifies the merchant bank 4 of the account number of the account for sale settlement of the merchandise seller 2 itself (hereinafter, the seller account number) and the settlement number obtained from the merchandise buyer 1. (Step S5).

  Upon receipt of the notification, the seller bank 4 identifies the purchaser bank 3 that issued the settlement number from the purchaser bank identification number included in the received settlement number, and sends it to the identified buyer bank 3. On the other hand, a payment process for the payment amount corresponding to the payment number is charged (step S6). The buyer's bank 3 that has received the request for the payment amount transfer process, the payment number notified from the seller's bank 4 from the stored payment number, purchaser account number, and payment amount. The relevant purchaser account number and settlement amount are identified by searching for the item, and after the settlement amount is deducted from the settlement account of the product purchaser 1, the settlement number is invalidated and sold. The settlement amount is notified to the customer side bank 4 (step S7).

  Upon receiving the notification of the settlement amount, the seller bank 4 pays the settlement amount to the sales settlement account of the merchant seller 2 and notifies the merchant seller 2 that the settlement has been completed (step S8).

  Next, a case where the settlement number obtained by the merchandise purchaser 1 from the purchaser bank 3 has been illegally leaked to a third party for some reason after a valid settlement has been performed will be described. For example, when a payment number is leaked to a third party (step S11), a third party (hereinafter referred to as an unauthorized acquirer) 5 who illegally obtained the payment number is a bank (hereinafter referred to as a bank where the unauthorized acquirer 5 itself has an account). The unauthorized acquirer's bank) 6 is notified of the account number of the unauthorized acquirer 5 itself (hereinafter referred to as the unauthorized acquirer account number) and the settlement number obtained illegally (step S12).

  The unauthorized buyer bank 6 that received the notification identifies the buyer bank 3 that issued the settlement number from the purchaser bank identification number included in the received settlement number, as in the case of the seller bank 4. Then, the specified purchaser's bank 3 is charged for a transfer process for the payment amount corresponding to the payment number (step S13).

  The buyer's bank 3 that has received the request for the payment amount transfer process obtains unauthorized access from the stored payment number, purchaser account number, and payment amount in the same manner as the seller's bank 4. By searching for the settlement number notified from the buyer-side bank 6, an attempt is made to identify the corresponding purchaser account number and the settlement amount. However, the settlement number from the unauthorized buyer-side bank 6 is already invalid. Therefore, the settlement is invalid, and the fraudulent acquirer bank 6 is notified of the settlement amount transfer refusal without performing the settlement amount deduction process (step S14). Therefore, the fraudulent acquirer's bank 6 does not perform payment settlement of the settlement amount to the account of the fraudulent acquirer 5 and does not perform any notification that the settlement of the request from the fraudulent acquirer 5 has been completed.

  With the above procedure, settlement from the product purchaser 1 to the product seller 2 is completed. During this period, the information provided from the product purchaser 1 to the product seller 2 is only the settlement number. The settlement number includes the purchaser's bank identification number. However, as described above, the purchaser's bank identification number is only between the purchaser's bank 3 and the seller's bank 4. It is managed information, and the product purchaser 1 and the product seller 2 cannot specify the purchaser bank 3 from the purchaser bank identification number.

  The purchaser account number stored in association with the settlement number is information managed only by the purchaser bank 3. Accordingly, the merchandise seller 2 and the merchant bank 4 cannot specify information such as the name of the merchandise buyer 1 or the account number of the merchandise buyer 1 established in the buyer bank 3. Thereby, the merchandise purchaser 1 can make a settlement without providing the merchandise seller 2 with any information specifying the merchandise purchaser 1 himself.

  Further, after the settlement from the merchandise purchaser 1 to the merchandise seller 2 is completed, the settlement number used for the settlement becomes an invalid number. Therefore, the unauthorized obtainer 5 who is an unauthorized user of the settlement number. It is not used for making illegal payments.

  Note that all or some of the procedures related to the settlement method as described above may be realized by hardware logic, may be realized as program logic executable by a computer, or may be realized by program logic. As one form of realization, it may be realized by recording in a computer-readable recording medium.

  Next, an example of the system configuration of the electronic payment system according to the present invention will be described as one specific implementation form of the electronic payment method as shown in FIG. 1 with reference to FIG. FIG. 2 is a system configuration diagram for explaining an example of the system configuration of the electronic settlement system according to the present invention. Hereinafter, an embodiment of online shopping by the system configuration will be described.

  An electronic payment system 100 according to an embodiment of the present invention includes a purchaser terminal 10 used by a product purchaser 1, a seller server 20 which is a seller device used by a product seller 2, and a purchaser financial institution. Purchaser-side financial processing apparatus operated by the purchaser-side bank 3, that is, the purchaser-side banking system 30, and seller-side financial processing apparatus operated by the seller-side bank 4 that is the seller-side financial institution. That is, it has at least the seller-side bank system 40 and is connected to each other via a communication network such as the Internet.

  Here, the purchaser terminal 10, the seller server 20, the purchaser side bank system 30, and the seller side bank system 40 may all be connected to each other via the same communication network, or all or a part of each may be included. They may be connected to each other via different communication networks. In FIG. 2, the purchaser terminal 10 and the seller server 20 are connected via the communication path 51, and the purchaser terminal 10 and the purchaser bank system 30 are connected via the communication path 52, and the seller server 20 and the seller bank system 40 are connected. And the purchaser side bank system 30 and the seller side bank system 40 are connected to each other via a communication path 53.

  The product purchaser 1 who is a user of online shopping uses the purchaser terminal 10 to perform online shopping or obtains a settlement number for online shopping from the buyer side bank 3.

  That is, the purchaser terminal 10 communicates with the seller server 20 via the communication channel 51, communicates with the online shopping client program 11 that realizes online shopping, the buyer side bank system 30 and the communication channel 52, A payment number issuance request including at least information on a payment account used for payment of an online shopping product and a payment amount is transmitted to the purchaser's bank system 30 to obtain a payment number used for payment of the purchase price of the product. And at least a settlement number application program 12 to be configured. However, the purchaser terminal 10 on which the online shopping client program 11 and the settlement number application program 12 operate is not necessarily a physically single terminal, but a plurality of terminals having means to be connected to each other. There may be.

  The merchandise seller 2 who is a provider of online shopping uses the merchant server 20 to sell merchandise for online shopping, or requests the merchant bank 4 for settlement based on the settlement number.

  That is, the merchant server 20 communicates with the purchaser terminal 10 via the communication channel 51, and the online shopping server program 21 that realizes various functions related to online shopping sales, and the merchandise merchant 2 connects the merchant bank 4. The seller account number table 22 that stores the seller account number that is the account number of the held account for sale settlement is communicated with the seller side bank system 40 via the communication path 53, and the seller side bank And a payment request program 23 that requests the system 40 to execute payment. However, the seller server 20 on which the online shopping server program 21 and the payment request program 23 operate is not necessarily a physically single terminal, and is a plurality of terminals having means connected to each other. May be.

  The purchaser bank system 30 operated by the purchaser bank 3 that holds the settlement account used for settlement by the product purchaser 1 is information on the settlement account of the purchaser and the amount to be settled. The payment number DB 31 for registering and storing the payment number associated with the purchaser account number and the payment amount as a set is registered and stored as a registered payment number, and the purchaser terminal 10 communicates with the purchaser terminal 10 via the communication path 52. A settlement number issuing program 32 for issuing a settlement number in response to a settlement number issuance request, and a purchaser side bank identification that holds a purchaser side bank identification number that uniquely identifies and identifies the purchaser bank 3 Transfer acceptance program 3 that communicates with the number table 33 and the seller-side bank system 40 via the communication path 54 and receives a payment request from the seller-side bank system 40 by a payment amount transfer request. An account DB 35 that registers an account number that is information related to the settlement account of the product purchaser 1, and a bank DB 36 that registers a bank identification number that is a number that can uniquely identify each bank. , At least.

  Each module constituting the purchaser-side bank system 30 may be physically provided on a single processing device, or may be provided on a plurality of processing devices having means connected to each other. Also good.

  A merchant-side bank system 40 operated by the merchant-side bank 4 that has a sales settlement account used by the merchandise merchant 2 for settlement of merchandise sales is connected to the merchant server 20 via a communication channel 53. Communicate and communicate with the settlement acceptance program 43 that accepts a settlement request from the seller server 20, and the purchaser bank system 30 via the communication path 54, and send a settlement amount transfer request to the purchaser bank system 30. It is possible to uniquely identify each bank by a transfer billing program 44 that requests execution of settlement by sending it, an account DB 45 that registers an account number that is information related to the sales settlement account of the merchant 2 And a bank DB 46 in which a bank identification number, which is a unique number, is registered.

  Each module constituting the seller side bank system 40 may be physically provided on a single processing device, or may be provided on a plurality of processing devices having means connected to each other. Also good.

  Next, a configuration example of each DB (database) and table shown in FIG. 2 will be described with reference to FIG. FIG. 3 is a table configuration diagram for explaining an example of the configuration of each DB and table constituting the electronic settlement system according to the present invention.

  The settlement number DB 31 shown in FIG. 3A holds information including the following items. That is, a settlement number 311 for uniquely identifying a settlement applied for by the product purchaser 1, an account number 312 for holding the account number of the settlement account of the product purchaser 1, and a product purchase price (ie settlement amount) Is registered in association with at least the payment amount 313 that holds.

  In the purchaser bank identification number table 33 shown in FIG. 3B, the purchaser financial institution identification that uniquely identifies the purchaser financial institution that operates the purchaser bank system 30, that is, the purchaser bank 3. A number, that is, a purchaser bank identification number is registered at least.

  The account DB 35 shown in FIG. 3C constitutes the purchaser-side bank system 30 and holds information consisting of the following items. That is, at least the account number 351 that holds the account number of the settlement account of the product purchaser 1 and the balance 352 that holds the balance of the settlement account of the purchaser 1 are registered in association with each other.

  The bank DB 36 shown in FIG. 3D constitutes the purchaser-side bank system 30 and holds information including the following items. That is, at least a bank identification number 361 that uniquely identifies each bank and a bank name 362 that is a name that identifies the bank are registered in association with each other.

  In the seller account number table 22 shown in FIG. 3E, at least a seller account number indicating an account number of a sales settlement account that the merchandise seller 2 has in the seller bank 4 is registered.

  Further, the account DB 45 shown in FIG. 3 (F) constitutes the seller side bank system 40, and has information including the following items similar to the account DB 35 in the purchaser side bank system 30. Yes. That is, an account number 451 that holds the account number of the sales settlement account of the merchandise seller 2 and a balance 452 that holds the balance of the sales settlement account of the merchandise seller 2 are registered in association with each other. .

  Further, the bank DB 46 shown in FIG. 3G constitutes the seller-side bank system 40 and has information including the following items similar to the bank DB 36 in the purchaser-side bank system 30. Yes. That is, a bank identification number 461 that uniquely identifies each bank and a bank name 462 that is a name that identifies the bank are registered at least in association with each other.

  Here, the information held by the bank DB 36 and the bank DB 46 is public information shared only between the banks, and is not transferred to the purchaser terminal 10 or the seller server 20, and the product purchaser 1 or the product The information is not disclosed to the seller 2. Note that the combination of the bank identification number 361 and the bank name 362 and the bank identification number 461 and the bank name 462 is information common to both DBs, and is between the buyer side bank system 30 and the seller side bank system 40. This information is referenced when exchanging payment information.

  Next, an example of the operation in the online shopping of the electronic payment system 100 shown in FIG. 2 will be described using the sequence charts of FIGS. FIG. 4 is a sequence chart for explaining an example of the operation of the electronic payment system according to the present invention. In the online shopping of the electronic payment system 100 shown in FIG. 2, the product purchaser 1 obtains the payment number. The operation up to is shown.

  FIG. 5 is a sequence chart for explaining an example of the operation following the FIG. 4 of the electronic payment system according to the present invention. Until online payment of the electronic payment system 100 shown in FIG. Shows the operation. FIG. 6 is a sequence chart for explaining an example of the operation following the FIG. 5 of the electronic payment system according to the present invention, and shows the operation for performing the payment in the online shopping of the electronic payment system 100 shown in FIG. ing.

  Here, it is assumed that the merchandise purchaser 1 communicates with the merchandise seller 2's online shopping server program 21 via the communication path 51 using the online shopping client program 11 to perform online shopping.

  Generally, in online shopping, when the product purchaser 1 designates a product or quantity to be purchased to the seller server 20 of the product seller 2, that is, an online shopping site, using the purchaser terminal 10, the product purchase price (hereinafter referred to as the product purchase price) , Payment amount) and payment means are presented on the purchaser terminal 10 side, and the merchandise purchaser 1 selects which payment means is used for payment. Here, in the following description, the case where the merchandise purchaser 1 selects settlement by debit will be described as an example. However, even when settlement is performed using a credit card number, the same operation is performed. It is possible to execute the settlement process.

  In the electronic payment system 100 showing an embodiment of the present invention, the merchandise purchaser 1 presented with the payment amount from the merchant server 20 of the merchandise merchant 2 via the communication path 51 is shown in the sequence chart of FIG. According to the procedure, the settlement number is obtained from the purchaser bank 3 via the communication path 52. The merchandise purchaser 1 first operates the settlement number application program 12 of the purchaser terminal 10 (sequence SQ1). The merchandise purchaser 1 inputs the account number (hereinafter referred to as the purchaser account number) of the settlement account of the merchandise purchaser 1 and the settlement amount to the settlement number application program 12 (sequence SQ2).

  The settlement number application program 12 sends a settlement number issuance request including at least the purchaser account number and the settlement amount input via the communication path 52 to the settlement number issuance program 32 of the buyer side bank system 30, that is, Then, a settlement number issuance request including at least information regarding the settlement account and information regarding the settlement amount is transmitted (sequence SQ3). The settlement number issuing program 32 of the purchaser bank system 30 that has received the settlement number issuance request checks the account DB 35, and the account number of the settlement account that matches the purchaser account number included in the received settlement number issuance request. After confirming that 351 exists (sequence SQ4), a new settlement number is generated.

  Here, when a new settlement number is generated, a purchaser bank identification number, which is an identifier for uniquely identifying the purchaser bank 3 registered in the purchaser bank identification number table 33, is acquired. (Sequence SQ5) is configured so that the acquired purchaser's bank identification number is at least included in the settlement number. Further, the settlement number DB 31 is an unregistered number and has been registered in the settlement number DB 31. All the numbers (all registered settlement numbers including those already invalidated) are excluded, and a completely new number is generated as a new settlement number (sequence SQ6).

  When a new settlement number is generated, the purchaser account number included in the settlement number issuance request received as the settlement number 311 (that is, the registered settlement number) as the settlement account number 312. The payment amounts included in the payment number issuance request received as the payment amount 313 of the amount to be settled are grouped together and registered in the payment number DB 31 (sequence SQ7).

  The settlement number is a series of columns composed of one or more combinations of unique numbers, characters, and symbols that are uniquely determined. In general, encryption and redundancy methods are often used to generate such a settlement number composed of one or more combinations of numbers, letters, or symbols. Here, any method is used. It does not matter whether it is used or generated.

  Next, the settlement number issuing program 32 of the purchaser-side bank system 30 transmits the settlement number newly generated this time through the communication path 52 to the settlement number application program 12 of the purchaser terminal 10 (sequence SQ8). ). The settlement number application program 12 of the purchaser terminal 10 outputs the received settlement number using a display function or the like and notifies the product purchaser 1 (sequence SQ9).

  When the merchandise purchaser 1 who has obtained the settlement number has selected a settlement method by direct debit in online shopping, the electronic settlement system 100 according to one embodiment of the present invention firstly performs the following as shown in FIG. Determine the right or wrong of settlement by simple procedure.

  First, product purchaser 1 inputs the notified settlement number to online shopping client program 11 of purchaser terminal 10 (sequence SQ11). Receiving the input settlement number, the online shopping client program 11 transmits the received settlement number to the online shopping server program 21 of the seller server 20 via the communication path 51 (sequence SQ12).

  The online shopping server program 21 of the seller server 20 delivers the received payment number to the payment request program 23 (sequence SQ13). The settlement request program 23 acquires the seller account number that is the account number of the sales settlement account from the seller account number table 22 (sequence SQ14), and sends the settlement acceptance program 43 of the seller side bank system 40 to the settlement acceptance program 43. The settlement number delivered from the online shopping server program 21 is transmitted through the communication path 53 together with the acquired seller account number (sequence SQ15).

  The settlement acceptance program 43 of the seller side bank system 40 checks the account DB 45 and confirms that there is an account number 451 that matches the received seller account number (sequence SQ16), and then transfers the received settlement number. Delivered to billing program 44 (sequence SQ17). The transfer request program 44 retrieves the purchaser's bank identification number (here, the purchaser's bank identification number registered in the purchaser's bank identification number table 33) included in the delivered settlement number. (Sequence SQ18).

  Further, the transfer billing program 44 examines the bank DB 46 and acquires the bank name 462 corresponding to the bank identification number 461 that matches the taken-out purchaser bank identification number (sequence SQ19). Next, at least the settlement number delivered to the bank transfer acceptance system corresponding to the acquired bank name 462 (here, the transfer acceptance program 34 of the purchaser side bank system 30) via the communication path 54 is included. A settlement amount transfer request is transmitted (sequence SQ20).

  The transfer acceptance program 34 of the buyer-side bank system 30 that has received a payment amount transfer request including at least a payment number from the transfer billing program 44 of the seller-side bank system 40 uses the payment number included in the payment amount transfer request. The received settlement number is taken out and the settlement number DB 31 is examined. The received settlement number, that is, the received settlement number is not registered in the settlement number DB 31, or the settlement number 311 that matches the received settlement number (that is, in the settlement number DB 31). After confirming whether or not (registered settlement number registered) is invalid (sequence SQ21), if it is registered in the settlement number DB 31 and is not invalid, the settlement number DB 31 To the settlement number 311 matching the received settlement number, that is, the account number 31 of the settlement account corresponding to the registered settlement number. , To get the settlement amount 313 (sequence SQ22).

  On the other hand, in the transfer acceptance program 34 of the buyer-side bank system 30, if the registered settlement number that matches the received settlement number does not exist in the settlement number DB 31, or if the received settlement number is the registered settlement If the number is invalid, the payment processing program 44 of the seller-side bank system 40 is notified that the payment processing is rejected on the assumption that the payment processing is invalid shopping.

  The transfer billing program 44 of the seller-side bank system 40 that has received the notification of the settlement amount transfer refusal indicates whether the merchandise seller 2 has illegally obtained the settlement number or used an incorrect settlement number. Regardless of the process, the payment procedure of the merchandise seller 2 is not transferred to the sales settlement account, and the merchant server 20 is not notified of the settlement processing information. Abort.

  Alternatively, the transfer billing program 44 of the seller-side bank system 40 that has received the notice of the settlement amount transfer refusal, with respect to the seller server 20 or the purchaser terminal 10 in order to terminate the abnormal process related to the payment number. Alternatively, a procedure for sending a notification of payment processing invalidity may be activated. In this case, the transfer billing program 44 of the seller-side bank system 40 delivers a payment processing invalid notice to the payment acceptance program 43. The settlement acceptance program 43 of the seller-side bank system 40 transfers the settlement processing invalid notice delivered to the settlement request program 23 of the seller server 20 via the communication path 53.

  The payment request program 23 of the merchant server 20 to which the payment processing invalidity notification is transferred hands over the payment processing invalidity notification to the online shopping server program 21. The online shopping server program 21 performs an abnormal process related to the corresponding product, such as a process for canceling the shopping target product or quantity, and cancels the shopping via the communication path 51 to the online shopping client program 11 of the purchaser terminal 10. A notification of payment processing invalidity with the information indicating is sent.

  The online shopping client program 11 of the purchaser terminal 10 outputs (for example, displays on the display unit) the payment processing invalidity notification added with the information indicating the cancellation of the shopping received from the online shopping server program 21, thereby performing the payment processing. The product purchaser 1 is notified that the product cannot be purchased because it is invalid.

  On the other hand, as described above, in the transfer acceptance program 34 of the buyer-side bank system 30, the registered settlement number that matches the received settlement number exists in the settlement number DB 31, and the received settlement number is When it is determined that the payment process is valid instead of the number invalidated as the registered payment number, the purchaser's bank system 30 uses the payment account corresponding to the payment number 311 that matches the received payment number. After obtaining the account number 312 and the settlement amount 313, settlement is executed between the purchaser bank system 30 and the seller bank system 40 according to the following procedure shown in FIG.

  First, the transfer acceptance program 34 of the purchaser-side bank system 30 checks the account DB 35 and uses the balance 352 corresponding to the account number 351 that matches the acquired account number 312 of the settlement account to obtain the amount of the settlement amount 313 obtained. The withdrawal process is performed, and the amount reduced by the settlement amount 313 is re-registered in the account DB 35 as a balance 352 (sequence SQ31).

  Furthermore, the transfer acceptance program 34 performs a process of invalidating the settlement number 311 of the settlement number DB 31 that matches the acquired settlement number, that is, a registered settlement number, and performs a process that cannot be used in subsequent settlements. (Sequence SQ32), the acquired settlement amount 313 is transmitted to the transfer billing program 44 of the seller side bank system 40 (sequence SQ33).

  Here, the process of invalidating the settlement number 311 in the settlement number DB 31 does not delete the information itself of the settlement number 311 that matches the acquired settlement number, but is associated with the settlement number 311 in the settlement number DB 31. It is possible to re-register invalid values (for example, all zeros, blanks, etc.) for the registered account number 312 and settlement amount 313 and confirm the invalidity regarding the use of the registered settlement number 311 (registered settlement number). It means to make. By performing the process of invalidating the settlement number 311, that is, the registered settlement number for each settlement, a specific settlement number can be used for only one settlement.

  The transfer billing program 44 of the seller side bank system 40 delivers the payment amount 313 received from the transfer reception program 34 of the purchaser side bank system 30 to the payment reception program 43 (sequence SQ34). The settlement acceptance program 43 to which the settlement amount 313 has been delivered checks the account DB 45 and is used for sales settlement that matches the seller account number in the seller account number table 22 received from the settlement request program 23 of the seller server 20. After performing the process of transferring the amount of the transferred settlement amount 313 to the balance 452 corresponding to the account number 451 of the account and re-registering the amount increased by the settlement amount 313 as the balance 452 (sequence SQ35), the seller server The 20 settlement request program 23 is notified that the settlement is completed via the communication path 53 (sequence SQ36).

  The settlement request program 23 of the seller server 20 notifies the online shopping server program 21 that the settlement has been completed (sequence SQ37). The online shopping server program 21 performs subsequent processing related to the corresponding product such as shipping arrangement processing related to the shopping target product and quantity, and also makes a payment via the communication path 51 to the online shopping client program 11 of the purchaser terminal 10. Is completed (sequence SQ38). The online shopping client program 11 of the purchaser terminal 10 uses the display function or the like to output to the product purchaser 1 that the settlement has been completed, and ends the online shopping (sequence SQ39).

  After the purchaser's bank system 30 performs a process of invalidating a specific settlement number 311 (registered settlement number), that is, after the settlement amount 313 has been withdrawn from the settlement account of the product purchaser 1, by any chance. Even if the payment number 311 is leaked to a third party, the validity of the payment number 311 can be confirmed in the procedure for determining the right or wrong of the payment in the sequence SQ21 of FIG. Can be reliably prevented from being illegally used by a third party.

As is apparent from the above description of the embodiment, the electronic payment system according to the present invention provides the following effects.
(1) The product buyer 1 makes a payment to the product seller 2 without notifying personal information such as the name, address, telephone number, account number, credit card number, etc. of the product purchaser 1 himself / herself. Can do.

  (2) On the other hand, the merchandise seller 2 can also make a settlement without notifying the merchandise purchaser 1 of information such as the account number of the sales settlement account of the merchandise seller 2 itself.

  These effects (1) and (2) are particularly effective when there is doubt about the reliability between the product purchaser 1 and the product seller 2 as in an Internet auction in which transactions are made between individuals.

  (3) Since the payment number exchanged for payment between the product buyer 1 and the product seller 2 can only be used as a valid number, a valid payment was made. Thereafter, even if the corresponding settlement number is leaked to a third party, no damage is caused on settlement due to unauthorized use of the settlement number.

  (4) Since the payment number can be obtained in real time via the communication network, it does not take time and effort as in the case of purchasing a physical card at a store.

  (5) Since the payment number can be expressed as a series of columns in which numbers, letters and symbols are arbitrarily combined, no special equipment for recording is required, and humans can visually check and store, or It is also possible to write it temporarily on paper and deliver it.

  (6) The bank identification number and bank name used for settlement are information exchanged only between the buyer-side bank system 30 and the seller-side bank system 40 (information disclosed only between banks). is there. That is, the bank name of the settlement organization is not transferred to the purchaser terminal 10 or the seller server 20, and is not notified to the product purchaser 1 or the product seller 2, and the confidentiality of electronic payment Can be further improved.

  (7) Further, the buyer-side bank system 30 and the seller-side bank system 40 are a seller-side bank 3 having a settlement account for the product purchaser 1 and a seller having a sales settlement account for the product seller 2. It is possible to operate with each side bank 4 using its own separate processing device. Compared to the case where the same processing device is used, each of the product buyer 1 and the product seller 2 as a settlement organization Versatility can be improved.

<Another embodiment of the present invention>
Next, examples of different embodiments of the present invention will be described. First, in the above-described embodiment of the present invention, an example in which the purchaser side bank 3 and the seller side bank 4 are different from each other is shown, but it goes without saying that both banks may be the same. In this case, it is not necessary to carry out the communication between the banks of the buyer side bank 3 and the seller side bank 4 via the communication network such as the communication path 54, and it is also possible to carry out on the same processing device. Alternatively, as in the above-described embodiment, it may be configured to operate on a separate processing device, or may be configured to have an optimal function distribution for operation by the same bank.

  In addition, with respect to the account balance increase / decrease process (withdrawal process, transfer process) in the embodiment of the present invention described above, the account number is transferred in addition to the settlement number. An existing mechanism may be applied as it is. Further, in the above-described embodiment of the present invention, the merchandise purchaser 1 inputs the settlement number obtained by the settlement number application program 12 of the purchaser terminal 10 to the online shopping client program 11 manually. However, instead of inputting manually, the payment number obtained by the payment number application program 12 may be automatically delivered to the online shopping client program 11.

  Further, in the above-described embodiment of the present invention, the merchandise purchaser 1 who has obtained the settlement number inputs the settlement number to the online shopping client program 11 manually, whereby the merchant of the merchant 2 Although it is supposed to transmit electronically to the server 20 via the communication path 51, instead of electronically transmitting, the product purchaser 1 hands over the acquired settlement number to the product seller 2 You may make it transmit using means, such as a mail and a telephone. In such a case, in the above-described embodiment, the online shopping client program 11, the online shopping server program 21, and the communication channel 51 are deleted, and the product seller 2 uses the settlement number transmitted from the product buyer 1. It is also possible to input directly to the settlement request program 23 of the seller server 20.

  Furthermore, the electronic payment system according to the present invention can also be applied to face-to-face payments at stores. For example, the merchandise purchaser 1 may manually input a settlement number at a terminal (corresponding to a seller device) installed in a store. In this case, in the embodiment of the present invention described above, the merchandise purchaser 1 who has deleted the online shopping client program 11, the online shopping server program 21, and the communication channel 51 and obtained the settlement number uses the settlement number as the terminal installed in the store. It is also possible to input directly to the settlement request program 23 prepared for the above.

  Alternatively, even in the case of face-to-face settlement at this store, the product purchaser 1 transmits the settlement number to the product seller 2 in the same manner as the above-described settlement method, and the product seller 2 sends the transmitted settlement number to the store. Of course, it is also possible to input directly to the settlement request program 23 provided in the installation terminal.

  Alternatively, in the case of face-to-face payment at a store, the payment number obtained by the product purchaser 1 is recorded in the terminal (purchaser terminal 10) used by the product purchaser 1 as in the above-described embodiment of the present invention. The communication channel 51 is used as a communication channel 51 between a terminal (seller device) installed in the store and a terminal (buyer terminal 10) carried by the product purchaser 1, and a settlement number May be delivered.

  However, in such a case, in the embodiment of the present invention described above, the online shopping client program 11 and the online shopping server program 21 are deleted, and the product purchaser 1 himself / herself uses the terminal (purchaser terminal 10) side. The settlement number application program 12 holds the settlement number, and the settlement number application program 12 and the settlement request program 23 of the store installation terminal (seller device) communicate via the communication path 51 to deliver the settlement number. You may do it.

  Furthermore, in order to guarantee the validity of the settlement number more strictly for the settlement number issued by the purchaser's bank 3, an electronic signature or electronic authentication mechanism by the purchaser's bank 3 may be adopted. good.

  As described above, as is clear from the detailed description of each embodiment described above, the present invention includes a purchaser terminal, a seller device, ie, a seller server, a financial processing device, ie, a bank system, between the purchaser side and the seller side, And an electronic payment system in which these device groups are connected via a network, an electronic payment method for performing electronic payment according to a procedure as shown in an operation example of each device, and an electronic payment method for realizing the electronic payment method. The present invention can be implemented in any form of an electronic payment service program (software) operating on the apparatus and a recording medium recording the electronic payment service program, that is, a program recording medium.

  Here, a specific operation example in the case of actually implementing the present invention will be further described, and the following application forms can be illustrated. For example, as a system construction business operator, a service business operator or a merchandise seller that provides an electronic payment service by constructing a server client system that executes all or part of the functions realized on each device as an electronic payment function Alternatively, it can be assumed that the server client system is provided to a financial institution such as a bank.

  Alternatively, as an electronic settlement service provider, the server client system is provided by the system construction provider, or the server client system is constructed by the electronic settlement service provider and the server client system is operated. Accordingly, it can be assumed that an electronic payment service using the server client system is provided to a product purchaser, a product seller, a financial institution, or the like.

  The configuration of the preferred embodiment of the present invention has been described above. However, it should be noted that such examples are merely illustrative of the invention and do not limit the invention in any way. Those skilled in the art will readily understand that various modifications and changes can be made according to a specific application without departing from the gist of the present invention.

It is a conceptual diagram for demonstrating the characteristic of the electronic payment method by this invention. It is a system configuration diagram for explaining an example of a system configuration of an electronic payment system according to the present invention. It is a table block diagram for demonstrating an example of each DB and the structure of a table which comprise the electronic payment system by this invention. It is a sequence chart for demonstrating an example of operation | movement of the electronic payment system by this invention. It is a sequence chart for demonstrating an example of the operation | movement following FIG. 4 of the electronic payment system by this invention. It is a sequence chart for demonstrating an example of the operation | movement following FIG. 5 of the electronic payment system by this invention.

Explanation of symbols

1 Product Buyer 2 Product Seller 3 Buyer Bank 4 Seller Bank 5 Unauthorized Acquirer 6 Unauthorized Acquirer Bank 10 Purchaser Terminal 11 Online Shopping Client Program 12 Settlement Number Application Program 20 Seller Server 21 Online Shopping Server Program 22 Seller account number table 23 Settlement request program 30 Buyer side bank system 31 Settlement number DB
32 Settlement number issuance program 33 Buyer side bank identification number table 34 Transfer acceptance program 35 Account DB
36 Bank DB
40 Merchant side bank system 43 Settlement acceptance program 44 Transfer request program 45 Account DB
46 Bank DB
51 Communication path 52 Communication path 53 Communication path 54 Communication path 100 Electronic payment system 311 Settlement number 312 Account number 313 Settlement amount 351 Account number 352 Balance 361 Bank identification number 362 Bank name 451 Account number 452 Balance 461 Bank identification number 462 Bank name

Claims (34)

A purchaser terminal used by a product purchaser, a purchaser-side financial processing device operated by a financial institution that has established a settlement account for the purchaser of the product, a seller device used by the product seller, and the product In an electronic payment system that connects each of the seller's financial processing devices operated by a financial institution that has established a sales settlement account of the seller via a network to settle the purchase price of the product,
The purchaser-side financial processing device issues a payment number issuance request including at least information relating to a payment account and a payment amount from the purchaser terminal of a product purchaser who intends to purchase a product via the network. When received, it generates a settlement number used for settlement of the product, stores it in the settlement number DB as a registered settlement number in association with the settlement account and the settlement amount included in the settlement number issue request The settlement number is returned to the purchaser terminal via the network, and the received settlement number is received when the settlement number is received as a received settlement number from the seller-side financial processing apparatus via the network. Is not a number that is invalidated as the registered settlement number, and the stored settlement settlement number that matches the received settlement number exists. If, after the withdrawal of the settlement amount from the settlement accounts stored in association with the registration payment number that matches, and later, the process of invalidating the number matched the registration settlement number and,
The purchaser financial processing apparatus generates a new number excluding the registered settlement number and the invalid number already stored in the settlement number DB as a settlement number used for settlement of the product,
The process of setting the registered settlement number as an invalid number is a process for re-registering the settlement account associated with the registered settlement number and stored in the settlement number DB as all zeros, blank, or other invalid value. An electronic payment system characterized by   The settlement number generated by the purchaser-side financial processing apparatus includes at least a purchaser-side financial institution identification number that can uniquely identify a purchaser-side financial institution that operates the purchaser-side financial processing apparatus, The seller-side financial processor, when transmitting the settlement number via the network, the purchaser-side financial institution identified by the purchaser-side financial institution identification number included in the settlement number The electronic settlement system according to claim 1, wherein the electronic settlement system transmits the information to a purchaser financial processing apparatus.   The electronic settlement system according to claim 1 or 2, wherein the settlement number generated by the purchaser-side financial processing device is composed of one or more combinations of numbers, characters, and symbols.   3. The electronic settlement system according to claim 1, wherein the settlement number does not include personal information of the product purchaser or information relating to the account of the product purchaser.   When the purchaser terminal receives the payment number from the purchaser-side financial processing device via the network, the purchaser terminal transmits the received payment number to the seller device via the network. An electronic settlement system according to any one of claims 1 to 4.   When the purchaser terminal receives the settlement number from the purchaser financial processing apparatus via the network, the purchaser terminal outputs the received settlement number and notifies the purchaser of the purchaser terminal of the product 5. The electronic settlement system according to claim 1, wherein the settlement number input from the product purchaser is transmitted to the seller device via the network.   When the seller device receives the payment number from the purchaser terminal via the network, the seller device transmits the received payment number to the seller-side financial processing device via the network. When the buyer-side financial processing device receives the payment number from the seller device via the network, the buyer-side financial processing device transmits the received payment number to the purchaser-side financial processing device via the network. The electronic settlement system according to claim 5 or 6, characterized in that   When the purchaser-side financial processing device receives the payment number as the received payment number from the seller-side financial processing device via the network, the received payment number is invalidated as the registered payment number. If the registered settlement number that is not a number and matches the received settlement number among the stored registered settlement numbers, the settlement amount stored in association with the matched registered settlement number is 8. The electronic settlement system according to claim 7, wherein the electronic settlement system returns to the seller-side financial processing apparatus via a network.   When the purchaser-side financial processing device receives the payment number as the received payment number from the seller-side financial processing device via the network, the received payment number is invalidated as the registered payment number. The payment is invalidated when the number is a number or when there is no registered payment number that matches the received payment number. Electronic payment system.   The merchant-side financial processing device receives the settlement amount from the purchaser-side financial processing device via the network, and the merchandise seller who uses the merchant device to which the settlement number has been transmitted. 9. The electronic settlement system according to claim 8, wherein the settlement amount is transferred to the sales settlement account.   The seller-side financial processing device notifies the seller device of the completion of settlement via the network when the payment amount is transferred to the sales settlement account. 10. The electronic payment system according to 10.   When the seller device receives a notification of the completion of payment from the seller-side financial processing device via the network, the seller device performs subsequent processing relating to the product to be settled, and the network via the network 12. The electronic payment system according to claim 11, wherein the purchaser terminal is notified of the completion of payment.   When the purchaser terminal receives a notification of the completion of payment from the seller device via the network, the purchaser terminal outputs the notification of the completion of payment and notifies the product purchaser of the purchaser terminal. The electronic settlement system according to claim 12, wherein   The purchaser terminal and the seller device are the same device, and information transmitted and received between the purchaser terminal and the seller device is transmitted without going through the network. Item 14. The electronic settlement system according to any one of Items 1 to 13.   The purchaser-side financial processing device and the seller-side financial processing device are composed of the same processing device, and are transmitted and received between the purchaser-side financial processing device and the seller-side financial processing device. The electronic payment system according to claim 1, wherein the electronic payment is transmitted without going through the network.   The networks connecting the purchaser terminal, the purchaser-side financial processing device, the seller device, and the seller-side financial processing device are all the same network, or only partly the same network, or 16. The electronic payment system according to claim 1, wherein the electronic payment system is configured by any one of different networks. A purchaser terminal used by a product purchaser, a purchaser-side financial processing device operated by a financial institution that has established a settlement account for the purchaser of the product, a seller device used by the product seller, and the product In an electronic payment method for settlement of merchandise purchase price by connecting each via a network with a seller side financial processing device operated by a financial institution that has established a seller settlement account,
The purchaser-side financial processing device issues a payment number issuance request including at least information relating to a payment account and a payment amount from the purchaser terminal of a product purchaser who intends to purchase a product via the network. When received, it generates a settlement number used for settlement of the product, stores it in the settlement number DB as a registered settlement number in association with the settlement account and the settlement amount included in the settlement number issue request The settlement number is returned to the purchaser terminal via the network, and the received settlement number is received when the settlement number is received as a received settlement number from the seller-side financial processing apparatus via the network. Is not a number that is invalidated as the registered settlement number, and the stored settlement settlement number that matches the received settlement number exists. If, after the withdrawal of the settlement amount from the settlement accounts stored in association with the registration payment number that matches, and later, the process of invalidating the number matched the registration settlement number and,
The purchaser financial processing apparatus generates a new number excluding the registered settlement number and the invalid number already stored in the settlement number DB as a settlement number used for settlement of the product,
The process of setting the registered settlement number as an invalid number is a process for re-registering the settlement account associated with the registered settlement number and stored in the settlement number DB as all zeros, blank, or other invalid value. An electronic payment method characterized by the above.   The settlement number generated by the purchaser-side financial processing apparatus includes at least a purchaser-side financial institution identification number that can uniquely identify a purchaser-side financial institution that operates the purchaser-side financial processing apparatus, When the seller-side financial processor transmits the payment number via the network, the seller-side financial processor identifies the purchaser-side financial institution identified by the purchaser-side financial institution identification number included in the payment number. The electronic payment method according to claim 17, wherein the electronic payment method is transmitted to the purchaser financial processing apparatus.   19. The electronic settlement method according to claim 17 or 18, wherein the settlement number generated by the purchaser-side financial processing apparatus is composed of one or more combinations of numbers, characters, and symbols.   The electronic settlement method according to claim 17 or 18, wherein the settlement number does not include personal information of the product purchaser or information on the account of the product purchaser.   When the purchaser terminal receives the payment number from the purchaser-side financial processing device via the network, the purchaser terminal transmits the received payment number to the seller device via the network. 21. The electronic settlement method according to any one of claims 17 to 20.   When the purchaser terminal receives the settlement number from the purchaser financial processing apparatus via the network, the purchaser terminal outputs the received settlement number and notifies the purchaser of the purchaser terminal of the product 21. The electronic settlement method according to claim 17, wherein the settlement number input from the product purchaser is transmitted to the seller device via the network.   When the seller device receives the payment number from the purchaser terminal via the network, the seller device transmits the received payment number to the seller-side financial processing device via the network. When the buyer-side financial processing device receives the payment number from the seller device via the network, the buyer-side financial processing device transmits the received payment number to the purchaser-side financial processing device via the network. The electronic settlement method according to claim 21 or 22,   When the purchaser-side financial processing device receives the payment number as the received payment number from the seller-side financial processing device via the network, the received payment number is invalidated as the registered payment number. If the registered settlement number that is not a number and matches the received settlement number among the stored registered settlement numbers, the settlement amount stored in association with the matched registered settlement number is 24. The electronic settlement method according to claim 23, wherein the electronic payment method is returned to the seller-side financial processing apparatus via a network.   When the purchaser-side financial processing device receives the payment number as the received payment number from the seller-side financial processing device via the network, the received payment number is invalidated as the registered payment number. 24. The payment is invalidated when the number is a number or when there is no registered payment number that matches the received payment number. Electronic payment method.   The merchant-side financial processing device receives the settlement amount from the purchaser-side financial processing device via the network, and the merchandise seller who uses the merchant device to which the settlement number has been transmitted. 25. The electronic settlement method according to claim 24, wherein the settlement amount is transferred to the sales settlement account.   The seller-side financial processing device notifies the seller device of the completion of settlement via the network when the payment amount is transferred to the sales settlement account. 27. The electronic payment method according to 26.   When the seller device receives a notification of the completion of payment from the seller-side financial processing device via the network, the seller device performs subsequent processing relating to the product to be settled, and the network via the network 28. The electronic payment method according to claim 27, wherein a notification of completion of payment is sent to the purchaser terminal.   When the purchaser terminal receives a notification of the completion of payment from the seller device via the network, the purchaser terminal outputs the notification of the completion of payment and notifies the product purchaser of the purchaser terminal. 29. The electronic settlement method according to claim 28.   The purchaser terminal and the seller device are the same device, and information transmitted and received between the purchaser terminal and the seller device is transmitted without going through the network. Item 30. The electronic settlement method according to any one of Items 17 to 29.   The purchaser-side financial processing device and the seller-side financial processing device are composed of the same processing device, and are transmitted and received between the purchaser-side financial processing device and the seller-side financial processing device. 31. The electronic payment method according to claim 17, wherein the electronic payment is transmitted without passing through the network.   The networks connecting the purchaser terminal, the purchaser-side financial processing device, the seller device, and the seller-side financial processing device are all the same network, or only partly the same network, or 32. The electronic settlement method according to claim 17, wherein the electronic settlement method is configured by any one of different networks.   33. An electronic settlement service program, wherein one or more of the electronic settlement methods according to claim 17 is realized by a program logic executable by a computer.   34. A program recording medium, wherein the electronic settlement service program according to claim 33 is recorded on a computer-readable recording medium.

Images