JP5220356B2 - Virtual shopping street management system - Google Patents

Description

  The present invention relates to a system that supports business transactions of business operators who sell products via a network, and more particularly to management of settlement information.

When buying and selling products and the like via a network, a virtual shopping street, which is a system that supports sales transactions, is often used.
In transactions using virtual shopping streets, payment methods (for example, transfers) via financial institutions such as banks are often used. What are the systems that manage and operate virtual shopping streets? It was not linked.

<Conventional example>
A flow of processing from order reception to transaction completion in a conventional system will be described with reference to FIGS.
Here, a case where bank transfer is selected as the settlement method will be described.

(1) Configuration of Conventional System FIG. 1 illustrates the configuration of a conventional system.
As shown in FIG. 1, the conventional system includes a virtual shopping mall management server 10 that comprehensively manages a virtual shopping mall, and a virtual shopping mall that is connected to the virtual shopping mall management server 10 via a network 20 such as the Internet. It comprises a terminal 30 of a town member, a terminal 40 of a member store of a virtual shopping mall, and a server 50 of a bank system.
The member terminal 30 and the member store terminal 40 have browsers, and are provided via the network 20 by the web service (for example, management service such as order) provided by the virtual shopping mall management server 10 and the bank server 50. Web services (for example, Internet banking) can be received.

(2) Process Flow by Conventional System The process flow from order reception to payment settlement by the conventional system will be described with reference to the sequence diagrams of FIGS. 2-1 and 2-2.
FIGS. 2-1 and 2-2 correspond to the order receiving process (FIG. 2-1) and the payment settlement process (FIG. 2-2), respectively, and are assumed to be continuous.

(A) Order Acceptance Process As shown in FIG. 2A, the virtual shopping mall management server 10 first transmits a product selection page to the member terminal 30 to allow the member to select a product to order (S205). . The member selects a product to be ordered on this selection page.
When a product is selected on the selection page, the virtual shopping mall management server 10 transmits a login page to the member terminal 30 and authenticates the member who becomes the orderer (S210). Members receive authentication by entering their ID and password on this login page.
When the purchaser of the product is not registered, the member registration information input page is transmitted to the member terminal 30 to request the purchaser to register as a member.

When the member authentication via the login page is completed, the virtual shopping mall management server 10 transmits a payment method selection page to the member terminal 30 to allow the member to select a payment method (S215). The member selects a settlement method (for example, bank transfer, cash on delivery, credit card, etc.) on this selection page. Here, bank transfer is selected.
When the payment method is selected on the selection page, the virtual shopping mall management server 10 transmits an order content confirmation page to the member terminal 30 and asks the member to confirm the order content (S220). The member confirms that there is no mistake in the order contents displayed on this confirmation page.
When the order details are confirmed on the confirmation page, the virtual shopping mall management server 10 transmits an order completion page to the member terminal 30 and informs the member that the order has been accepted together with the order number (order identification number) and the like. Present (S225).

Subsequently, the virtual shopping mall management server 10 performs an order receiving process based on the information on the selected product (S230). Here, predetermined order information is generated for each order number (order number assigned in S225) and stored in a predetermined database.
When the order acceptance processing is completed, the virtual shopping mall management server 10 transmits a confirmation email indicating that the order has been accepted to the member terminal 30 and the member store terminal 40, and places an order with the member (purchaser) and member store (seller). Is received (S235, S240). The confirmation mail for the member terminal 30 and the member store terminal 40 is transmitted in a batch by, for example, daily batch processing.
Upon receiving the notification, the member store (person in charge) logs in to the virtual shopping mall management server 10 using the member store terminal 40 and requests a confirmation page for the order contents. When there is a confirmation page request from the member store terminal 40, the virtual shopping mall management server 10 transmits a confirmation page of the order details to the member store terminal 40 (S245). The member store (person in charge) confirms the order details on the received order details confirmation page.

(B) Payment Settlement Processing When proceeding to FIG. 2-2 and confirming the contents of the order, the member store (person in charge) uses the member store terminal 40 to charge the bill amount, etc. (in addition, the transfer account number, transfer account) An e-mail describing the name, transfer deadline, etc.) is transmitted to the member terminal 30, and the member is charged for payment (S250).
Upon receiving a payment request from the member store, the member requests the bank to transfer the fee to the member store account (S255). The transfer request can be made from the member terminal 30 by using a Web service (Internet banking) provided by the bank server 50.
When transferring, if the order number is entered together with the name of the client in the “transfer client” field or the like, the transferred money can be made to correspond to the order.
Upon receiving the price transfer request, the bank server 50 performs a predetermined price transfer process (S260).

On the other hand, the member store (person in charge), after requesting the member to pay the price, confirms whether or not the bank account has been paid (S265). The presence / absence of payment can be confirmed on the member store terminal 40 by using a Web service (Internet banking) provided by the bank server 50.
When payment is confirmed, the member store (person in charge) performs a predetermined application process for the corresponding order (S270). In this case, the member store (person in charge) places an order on the confirmation page of the payment details confirmation page on the Web service provided by the bank server 50 and the order information confirmation page on the Web service provided by the virtual shopping mall management server 10. Matching with information (for example, name of member (purchaser), billing amount, etc.) is performed individually for each order for which payment has been confirmed.
When the predetermined application process is completed, the member store sends out the goods related to the order to the member (purchaser) who has placed the order by a predetermined method (for example, home delivery, postal parcel, etc.).

(3) Problems with settlement processing by conventional systems As described above, in transactions using virtual shopping malls, settlement methods (for example, transfer, etc.) through financial institutions such as banks are often used. .
However, the financial institution server is not linked to the virtual shopping mall management server. Moreover, since the transfer using the Web service of the financial institution is performed by the member operating the member terminal, it is difficult to have the order number input securely when making the transfer.
For these reasons, information related to payment (payment information) is not associated with information related to orders (order information). Therefore, the member store has to manage order information and settlement information separately. In this case, it takes time to manage the payment information itself, and there is a concern about the occurrence of troubles due to work mistakes.

  It is an object of the present invention to provide a mechanism for collectively managing information related to settlement together with information related to orders for a member store in a system that supports transactions between members and member stores in a virtual shopping mall. .

  In order to solve the above-mentioned problems, the present invention provides a virtual shopping mall management system that supports a transaction using a telecommunication network between a member store and a member of a virtual shopping mall. Payment processing by account transfer performed in cooperation with the system, wherein the virtual shopping mall management system is connected to the financial institution system via a telecommunications line, and for the member store received from the member Order information having order information storage means for storing order information with a unique order number stored therein, and from the member who has an account at the financial institution, and the order information for which settlement is account transfer from the financial institution The order information list page transmitting means for generating a list page by reading from the order information storage means and transmitting the list page to the terminal of the member store, and the transmitted order information Payment processing request information receiving means for receiving payment processing request information from the terminal of the member store, and order information relating to the order for which the payment processing has been requested is read from the order information storage means, and the read order information The account transfer processing request information transmitting means for generating the account transfer processing request information including the identifier corresponding to the order number of the financial institution and transmitting it to the financial institution system, and the identifier from the financial institution system, Account transfer process information receiving means for receiving the information of the account transfer process corresponding to the request information of the account transfer process, and when the account transfer process information receiving means has received the account transfer process information, the received account transfer process information A section relating to the settlement of the read order information by reading out the order information assigned with the order number corresponding to the included identifier from the order information storage means Order information updating means for updating the information on the received account transfer processing information, a payment confirmation request receiving means for receiving a payment confirmation request for order information from the terminal of the member store, and the payment confirmation request When the receiving means receives the payment confirmation request, it reads out the order information for which the payment confirmation request has been received from the order information storage means, and displays a payment information confirmation page in which the payment information related to the read order information is associated with the order number. A deposit information confirmation page transmitting means for generating and transmitting to the terminal of the member store.

In the virtual shopping mall management system, the identifier corresponding to the order number may be an order number given to order information.
In the virtual shopping mall management system, a progress confirmation request receiving means for receiving a payment processing progress confirmation request for order information of a member who has an account with the financial institution from the member store terminal, and the progress confirmation request Is received from the order information storage means, and a progress information confirmation page is generated in which the progress information of the settlement process related to the read order information is associated with the order number. A progress information confirmation page transmitting means for transmitting to the terminal of the member store, the account transfer processing information received by the account transfer processing information receiving means comprises withdrawal information and payment information, and the order information updating means , Update the item information related to the payment of the order information to “waiting for balance check” when the payment processing request information receiving means receives the payment processing request information, When the account transfer processing information receiving means receives the withdrawal information, it is updated to “preparation for payment” or “cannot be withdrawn”, and when the account transfer processing information receiving means receives the payment information, “complete” or “payment” The progress information confirmation page transmitting means may generate and transmit a confirmation page including information on items relating to the settlement. At this time, the payment information confirmation page transmitting means confirms the payment information as having been received when the information on the item relating to the settlement of the read order information is updated to “preparation for payment” by the withdrawal information. A page may be generated and transmitted.

In order to solve the above-mentioned problem, the present invention provides a financial mall management system for supporting a transaction using a telecommunication network between a member store and a member of a virtual shopping mall. A payment method by account transfer performed in cooperation with an institution system, wherein the virtual shopping mall management system is connected to the financial institution system via a telecommunication line, and the membership received from the member Order information storage means for storing order information for a store with a unique order number assigned thereto, and settlement from the member having an account at the financial institution is account transfer from the financial institution An order information list page transmission step of reading order information from the order information storage means to generate a list page and transmitting it to the terminal of the member store; and the transmitted order information The payment processing request information receiving step for receiving the payment processing request information for the merchant from the terminal of the member store, and the order information relating to the order for which the payment processing has been requested is read from the order information storage means, and the read An account transfer process request information transmitting step for generating an account transfer process request information including an identifier corresponding to an order number of the order information, and transmitting the request information to the financial institution system; and including the identifier from the financial institution system An account transfer process information receiving step for receiving information of the account transfer process corresponding to the request information of the account transfer process, and when the account transfer process information is received in the account transfer process information receiving step, the received account transfer process The order information assigned with the order number corresponding to the identifier included in the information is read from the order information storage means, and the read Order information update step for updating item information related to settlement of order information based on the received account transfer processing information, and a receipt confirmation request receiving step for receiving a receipt confirmation request for order information from the terminal of the member store When the receipt confirmation request is received in the receipt confirmation request receiving step, the order information for which the receipt confirmation request has been received is read from the order information storage means, and the receipt information related to the read order information is associated with the order number. Generating a deposit information confirmation page and transmitting it to the terminal of the member store.
A program for causing a computer to realize each means of the virtual shopping mall management system as a function is also the present invention.

The virtual shopping mall management system according to the present invention uses the identifier corresponding to the order number uniquely assigned to the order information in a one-to-one manner so that data relating to settlement is linked with the system of a financial institution such as a bank. Processing. Therefore, information relating to payment can be presented on the screen together with information relating to the order.
As an effect, the member store can collectively manage information related to settlement together with information related to orders. As a result, the labor of the settlement information management work itself can be reduced, and troubles caused by work mistakes can be prevented.
Further, in the virtual shopping mall management system of the present invention, account transfer can be selected as a settlement method. Thereby, if the member registers the account for price withdrawal beforehand, it will become unnecessary to perform the procedure of a transfer etc. for every transaction by selecting the settlement by account transfer.

Hereinafter, an exemplary embodiment of the present invention will be described with reference to FIGS.
The system of this embodiment is a system that provides information on payment (direct debit) on a confirmation page in association with information on orders by processing data related to payment in cooperation with a bank system. This mechanism is realized by associating information indicating that the account transfer process to be transmitted to the bank system is requested and information indicating that the account transfer process received from the bank system is completed with the order number.
As a premise, the virtual shopping mall service provided by the system of this embodiment is an electricity service such as the Internet, which is performed between a user (member) who has registered for use and a store (member store) that has registered for opening. Intended for transactions using communication networks. Further, in this embodiment, a settlement method in which the price is deducted from the bank account of the member (purchaser) and the price is paid to the bank account of the member store (seller) is called “account transfer”.
It is assumed that the member and the member store each register a bank account designated by the system of the present embodiment, and the account transfer is selected in the settlement method selection process (S215 in FIG. 2). The account transfer is displayed on the payment method selection page only when both the member and the member store have registered the account number of the bank account.

<Description of this embodiment>
(1. System configuration of this embodiment)
The configuration of the system of this embodiment will be described with reference to FIGS. 3 and 4.
The system configuration of this embodiment is basically the same as that of the conventional system shown in FIG. Here, the database constructed in the virtual shopping mall management server will be described in detail.

(1-1. Virtual Shopping Street Management Server)
In FIG. 3, the virtual shopping mall management server 10 is a server that comprehensively manages from order reception to transaction completion. Here, a necessary part regarding the system of this embodiment is demonstrated.

(1-2. Member information database)
In FIG. 3, the member information database 11 is a database that stores information (hereinafter referred to as “member information”) of users who purchase products using the service provided by the system of the present embodiment. Here, only a necessary part regarding the system of this embodiment will be described.
In the present embodiment, the member information database 11 is constructed in a storage device built in the virtual shopping mall management server 10. However, if the stored information can be read, other independent storage devices can be used. You may build it.

FIG. 4A shows main items of the member information database 11.
In FIG. 4A, “member ID” is identification information unique to a member who has registered for use. “Password” is a password used for authentication of the member. “Mail address” is the mail address of the member terminal 30 (described later) used by the member. “Account number” is the number of the withdrawal account of the member in the name of the member. “Personal information” is personal information (for example, name, gender, address, telephone number, etc.) of the member.
For member authentication (login), “member ID” and “password” are used in the items of member information.

(1-3. Member store information database)
Returning to FIG. 3, the member store information database 12 is a database that stores information on stores that sell products by opening a service provided by the system of the present embodiment (hereinafter referred to as “member store information”). is there. Here, only a necessary part regarding the system of this embodiment will be described.
In this embodiment, the member store information database 12 is constructed in a storage device built in the virtual shopping mall management server 10. However, if the stored information can be read, other independent storage is possible. You may build in an apparatus.

FIG. 4B shows the main items of the member store information database 12.
In FIG. 4B, the “member store ID” is identification information unique to the store that has registered for opening a store. In this embodiment, the domain name of the member store is used as the member store ID. The “authentication key” is a key used for authentication of the member store. “Mail address” is the mail address of the member store terminal 40 (described later) used by the member store.
Similarly, in FIG. 4B, the “account number” is the number of the payee account of the member store. “Fee bearer category” is the category of the bearer of the account transfer fee for all orders received by the member store (for example, “Member store burden”, “Member burden”, etc.). Can be set. The “person in charge ID” is identification information of a person in charge of order management work at the member store, and at least one is registered. “Store information” is store information of the member store (for example, name, URL of a web page on which details of the store are posted, etc.).
For member store authentication (login), “member store ID”, “person in charge ID”, and “authentication key” among the items of member store information are used.

(1-4. Product information database)
Returning to FIG. 3, the product information database 13 is a database that stores information on products handled in the service provided by the system of the present embodiment (hereinafter referred to as “product information”). Here, only a necessary part regarding the system of this embodiment will be described.
In the present embodiment, the merchandise information database 13 is constructed in a storage device built in the virtual shopping mall management server 10. However, if the stored information can be read, other independent storage devices can be used. You may build it.

FIG. 4C shows main items of the product information database 13.
In FIG. 4C, “product code” is identification information unique to the product handled in the service provided by the system of the present embodiment. “Name” is the name of the product. The “unit price” is a price per unit quantity set for the product. “Product related information” is information related to the product (for example, ID of a store (member store ID) or the like).

(1-5. Order information database)
Returning to FIG. 3, the order information database 14 is a database that stores information on orders accepted by the system of the present embodiment (hereinafter referred to as “order information”). Here, only a necessary part regarding the system of this embodiment will be described.
The “order information” is associated with “member information”, “member store information”, and “product information”.
In the present embodiment, the order information database 14 is constructed in a storage device built in the virtual shopping mall management server 10. However, if the stored information can be read out, another independent storage device can be used. You may build it.

FIG. 4D shows main items of the order information database 14.
In FIG. 4D, “order number” is identification information unique to the order received by the system of the present embodiment. “Order date / time” is the date / time when the order was accepted. “Member ID” is identification information of the member who placed the order, and the member information is associated with the order information. The “member store ID” is identification information of the member store that received the order, and the member store information is associated with the order information.

Similarly, in FIG. 4D, “product code” is identification information of a product related to the order, and product information is associated with the order information. “Quantity” is the number of items ordered for the order. “Invoiced amount” is an amount charged for the order. The “settlement method” is a settlement method for the order (for example, account transfer, bank transfer, cash on delivery, credit card, etc.). When a plurality of products are included in one order, a set of “product code” and “quantity” corresponding to each product is provided.
Similarly, in FIG. 4D, the “order processing status” is a category (for example, “new reception”, “waiting shipment”, “complete”, “cancellation”, etc.) indicating the progress of the order processing for the order. is there. “Payment processing status” indicates the progress status of the payment processing for the order (“Unprocessed”, “Waiting for transfer request”, “Waiting for balance check”, “Preparing for payment”, “Unable to transfer”, “Complete” , “Cannot be paid”, etc.). “Order-related information” is information related to the order (for example, correction history of order contents).
In this embodiment, the initial value of “order processing status” is “new reception” and the initial value of “settlement processing status” is “unprocessed”.

(1-6. Member terminal)
Returning to FIG. 3, the member terminal 30 is a terminal used by a user (member) who purchases a product using a service provided by the system of the present embodiment. In the present embodiment, for example, a terminal having a communication function such as a personal computer or a mobile phone is used.
The member terminal 30 has a browser. By connecting to the virtual shopping mall management server 10 via the network 20 such as the Internet, the member terminal 30 can order a product from any member store via the system of the present embodiment. it can.

(1-7. Merchant terminal)
The member store terminal 40 is a terminal used by a store (member store) that sells products using the service provided by the system of the present embodiment. In the present embodiment, for example, a terminal having a communication function such as a personal computer or a mobile phone is used.
The member store terminal 40 has a browser, and by connecting to the virtual shopping mall management server 10 via the network 20 such as the Internet, it is possible to manage product orders via the system of the present embodiment.

(1-8. Bank server)
The bank server 50 is a bank server that performs payment processing in the system of the present embodiment. The bank server 50 is connected to the virtual shopping mall management server 10 via the dedicated line 21 and cooperates with the virtual shopping mall management server 10 regarding settlement processing. Further, data is encrypted and transmitted / received between the bank server 50 and the virtual shopping mall management server 10.
In this embodiment, the virtual shopping mall management server 10 and the bank server 50 are connected via the dedicated line 21. However, as long as data can be safely transmitted and received by encryption or the like, the network 20 such as the Internet is used. You may connect via.

(2. Processing by the system of this embodiment)
A flow of settlement processing performed in cooperation with the bank system in the system of the present embodiment will be described with reference to the sequence diagram of FIG. 5 and the page examples of FIGS.
The main difference from the processing by the conventional system shown in FIG. 2-2 is that an explicit request for payment processing (account transfer processing) is received from a member store, and data relating to payment is linked with the bank server 50. And the settlement information as the processing result is provided to the member store terminal (S515-S560).
Note that the sequence diagram of FIG. 5 shows processing after the confirmation mail indicating that the order has been received is transmitted to the member store (S240 in FIG. 2-1).

(2-1. Acceptance of account transfer requests and confirmation of orders)
As shown in FIG. 5, the member store (person in charge) that has received the order confirmation notification logs in to the virtual shopping mall management server 10 using the member store terminal 40 and requests a confirmation page for the order details. When there is a confirmation page request from the member store terminal 40, the virtual shopping mall management server 10 transmits an order detail confirmation page to the member store terminal 40 and asks the member store to confirm the order details (S505). The member store (person in charge) performs a predetermined confirmation process on the confirmation page.
When the confirmation process is accepted, the virtual shopping mall management server 10 updates the “settlement process status” of the order information (S510). Here, the “settlement process status” is changed from the initial value “unprocessed” to “wait for transfer request”.

After confirming the order contents on the confirmation page, the member store (person in charge) requests the account transfer request page from the member store terminal 40 to the virtual shopping mall management server 10. When there is a request for an account transfer request page from the member store terminal 40, the virtual shopping mall management server 10 transmits an account transfer request page to the member store terminal 40, and accepts an account transfer request from the member store (S515). The member store (person in charge) requests account transfer from this account transfer request page.
When accepting the account transfer request, the virtual shopping mall management server 10 confirms the contents of the order accepted from the member and updates the “settlement processing status” of the order information (S520). Here, the “settlement process status” of the order information (order information generated in S230 of FIG. 2) is changed to “waiting for balance check”.

FIG. 6 shows an example of a collective request page for account transfer. The fund transfer batch request page 600 is used as a default page when a list page of information related to payment is selected on the main menu page displayed immediately after logging in to the Web service provided by the virtual shopping mall management server 10. It is the collective request page of the account transfer transmitted to the member store terminal 40.
The account transfer collective request page 600 includes narrowing target restriction tabs 611 to 614, a narrowing condition designation field 620, an order information display field 630, and a button 640.

The narrowing target restriction tabs 611 to 614 are tabs used when narrowing down information related to settlement according to the purpose of processing. For example, when a tab 611 displayed as “Account transfer request” is clicked, only order information that can be requested for account transfer (order information whose settlement processing status is “wait for transfer request”) is displayed. Page is sent.
Similarly, the tab 612 displayed as “Transfer NG Confirmation” is the order information that failed for some reason (in this case, the payment processing status is “cannot be withdrawn”). The tab 614 displayed as “Return to waiting for transfer request” is the order information that has already been requested for the account transfer but has not yet been withdrawn (order information whose settlement processing status is “waiting for balance confirmation”). Respectively. Further, when a tab 613 displaying “confirm by status” is clicked, a page for narrowing down order information other than those whose settlement processing status corresponds to the tab 611, tab 612, and tab 614 is transmitted. .

The narrowing condition designation field 620 includes a period designation field 621, an order number designation field 622, and a button 623 displayed as “narrowing display”.
When the member store (person in charge) clicks the order date or shipping date radio button in the period designation field 621, designates the start and end of the period, and clicks the “Refine Display” button 623, the order date or shipping date is displayed. The order information included in the designated period is displayed in the order information display field 630. In addition, when the member store (person in charge) inputs a specific order number in the order number designation field 622 and clicks the “narrow display” button 623, the order information of the designated order number is displayed in the order information display field 630. Is done.

The order information display field 630 includes “personal information” of member information associated with “order date / time”, “order processing status”, “order number”, “billing amount”, etc., and “member ID” among the order information. (Name) "is displayed.
When the member store (person in charge) checks at least one of the check boxes in the column 631a or 631b in which “Check All” is displayed and clicks the button 640 in which “Request Account Transfer” is displayed, The member store terminal 40 transmits the account transfer request information related to the checked order information to the virtual shopping mall management server 10.

FIG. 7 illustrates an individual request page for account transfer. The account transfer individual request page 700 is displayed when the link 632 to the individual request page of the order number “199412-200705528-824357” is clicked on the account transfer collective request page 600 (FIG. 6). 10 is an individual request page for account transfer transmitted from 10 to the member store terminal 40.
The account transfer individual request page 700 includes an order information display field 710 and a button 720. In the order information display field 710, “order number”, “settlement processing status”, etc. are displayed among the order information.
When the member store (person in charge) clicks the button 720 displayed as “Request account transfer”, the member store terminal 40 selects the selected order information (here, the order number “199412-20070528-824357”). To the virtual shopping mall management server 10.

(2-2. Account transfer process linked with bank server)
Returning to FIG. 5, when the order information is updated, the virtual shopping mall management server 10 generates withdrawal information and payment information, transmits them to the bank server 50, and requests the bank server 50 for an account transfer process (S <b> 525).
In this embodiment, the virtual shopping mall management server 10 transmits withdrawal information and payment information to the bank server 50 by regular batch processing (for example, batch processing twice a day). This is an embodiment and may be transmitted at another timing.
FIG. 8A shows main items of withdrawal information, and FIG. 8B shows main items of payment information.

In FIG. 8A, an “order number” is an order number assigned to an order relating to a withdrawal request, and the withdrawal information is associated with the order information. “Account transfer request date and time” is the date and time when the account transfer request process (S525 in FIG. 5) for the order was performed. The “withdrawal amount” is the amount of money to be withdrawn from the bank account of the member who placed the order, and corresponds to the “billed amount” (FIG. 4D) of the order information. However, in the member store information (FIG. 4 (b)) of the member store that has accepted the order, when the “fee bearer category” is set to “member burden”, the “charge amount” of the order information is predetermined. The sum of the above fees is the “withdrawal amount”.
Similarly, in FIG. 8A, the “withdrawal account number” is the number of the bank account of the member who placed the order, and identifies the withdrawal source account. “Member ID” is identification information of the member who placed the order, and the member information is linked to the withdrawal information. The “withdrawal process date” is the date when the withdrawal process (S530 in FIG. 5) is performed, and is empty when the virtual shopping mall management server 10 transmits it to the bank server 50. The “withdrawal completion flag” is a flag indicating whether or not the withdrawal process is successful from the bank account of the member who placed the order.

FIG. 8B shows the main items of payment information.
In FIG. 8B, an “order number” is an order number assigned to an order relating to a payment request, and links payment information to order information. “Account transfer request date and time” is the date and time when the account transfer request process (S525 in FIG. 5) for the order was performed. The “payment amount” is the amount of money to be paid to the bank account of the member store that accepted the order, and corresponds to the “billing amount” (FIG. 4D) of the order information. However, in the member store information (FIG. 4 (b)) of the member store that has accepted the order, when the “fee bearer category” is set to “member store burden”, the “billing amount” in the order information is used. An amount obtained by subtracting a predetermined fee is referred to as “paid amount”.
Similarly, in FIG. 8B, the “payee account number” is the bank account number of the member store that accepted the order, and identifies the payee account. The “member store ID” is identification information of the member store that has accepted the order, and the member store information is linked to the payment information. The “payment process date and time” is the date and time when the payment process (S545 in FIG. 5) is performed, and is empty when the virtual shopping mall management server 10 transmits it to the bank server 50. The “payment completion flag” is a flag indicating whether or not the payment process to the bank account of the member store that accepted the order has been successful.

(2-3. Debit processing linked with bank server)
Returning to FIG. 5, when the account transfer process request (S525) is received, the bank server 50 performs the debit process based on the debit information received together with the account transfer process request (S530). Here, the money corresponding to the “withdrawal amount” is withdrawn from the bank account corresponding to the “withdrawal source account number”, and is temporarily stored in a predetermined account managed by the bank server 50.
In this embodiment, the bank server 50 performs a withdrawal process in accordance with the timing of receiving account transfer request information (withdrawal information and payment information) from the virtual shopping mall management server 10.

When the requested amount can be withdrawn from the member's bank account, the bank server 50 inputs the “withdrawal processing date” of the withdrawal information and sets a “withdrawal completion flag”. On the other hand, if the requested amount cannot be withdrawn from the bank account of the member, only the “withdrawal processing date” of the withdrawal information is input, and the “withdrawal completion flag” is not raised.
When the withdrawal process is completed, the bank server 50 transmits the updated withdrawal information to the virtual shopping mall management server 10 and notifies the virtual shopping mall management server 10 that the withdrawal process has been completed (S535).
When the updated withdrawal information is received, the virtual shopping mall management server 10 updates the “settlement processing status” of the order information in accordance with the received withdrawal information (S540). When the “withdrawal completion flag” is set in the withdrawal information, the “settlement processing status” is changed to “preparing for payment”. On the other hand, when the “withdrawal flag” is not set in the withdrawal information, the “settlement processing status” is changed to “unable to withdraw”.

(2-4. Payment processing linked with bank server)
If the withdrawal process is successful, the bank server 50 performs a payment process based on the payment information received together with the request for the account transfer process (S525) (S545). Here, the payment corresponding to the “payment amount” temporarily stored in a predetermined account is paid to the bank account corresponding to the “payee account number”.
When the requested amount can be paid to the bank account of the member store, the bank server 50 inputs the “payment processing date and time” of the payment information and sets a “payment completion flag”. On the other hand, when the requested amount cannot be paid to the bank account of the member store, only the “payment process date” of the payment information is input, and the “payment completion flag” is not set.

In the present embodiment, the bank server 50 performs payment processing by periodic batch processing. In this batch processing, whether or not the withdrawal bank account and the payee bank account are the same bank / branch account as shown in (a) and (b) below, due to the fee required for remittance. Depending on how, it is done at different timing.
Note that this is an embodiment, and the payment process can be performed at other timings, and may be changed as appropriate.
Further, processing may be performed separately depending on whether the withdrawal source bank account and the payment destination bank account are the same bank account or not.

(A) When the bank account does not belong to the same bank / branch If the withdrawal bank account and the payee bank account are not the same bank / branch account, the bank server 50 performs, for example, batch processing once a month. To transfer the requested amount to the bank account of the payment destination.
In this case, the member store can receive the payment after the first business day of the month following the month in which the settlement request (S515 in FIG. 5) is made.

(B) In the case of the same bank / branch account On the other hand, if the withdrawal bank account and the payee bank account are the same bank / branch account, the bank server 50, for example, twice a day As soon as the withdrawal process is completed, the requested amount is deposited into the bank account of the payee.
As a result, the member store can receive the payment on the day when the request for the account transfer (S515 in FIG. 5) is made at the earliest.
In this case, the process of withdrawing money from the withdrawal source bank account and the process of paying the payment to the destination bank account are performed almost simultaneously, so the period when the “Payment processing status” is “Preparing for payment” is extremely high. short. Therefore, after completing the withdrawal process (S530 in FIG. 5), the bank server 50 omits the notification (S535) that the withdrawal process is completed, and immediately performs the payment process (S545). At this time, the virtual shopping mall management server 10 also omits the process of updating the “settlement process status” (S540).

When the payment process is completed, the bank server 50 transmits the updated payment information to the virtual shopping mall management server 10 and notifies the virtual shopping mall management server 10 that the payment process has been completed (S550).
When the updated payment information is received, the virtual shopping mall management server 10 updates the “settlement processing status” of the order information according to the received payment information (S555). When the “payment completion flag” is set in the payment information, the “settlement processing status” is changed to “completed”. On the other hand, when the “withdrawal completion flag” of the withdrawal information is not set, the “settlement processing status” is changed to “payable”.

(2-5. Provision of payment information)
When the above processing is completed, the virtual shopping mall management server 10 can provide information (payment information) related to payment together with order information on a confirmation page on the Web service.
If the “settlement process status” of the order information is updated to “preparing for payment” after the withdrawal process is completed (S540), it can be considered that settlement by account transfer is completed. Therefore, in this embodiment, payment (payment) is expected to the bank account of the merchant for the order information whose withdrawal has been completed from the member's bank account and the “settlement processing status” is updated to “preparation for payment”. As information to be displayed, information on payment (payment information) is displayed on a page.
The member store (person in charge) looks at the timing and logs in to the virtual shopping mall management server 10 using the member store terminal 40 and requests a confirmation page of the payment details. When receiving a request for a payment details confirmation page from the member store terminal 40, the virtual shopping mall management server 10 transmits a payment details confirmation page to the member store terminal 40, and information (payment of payment) to the member store (person in charge). ) Is confirmed (S560). The member store (person in charge) confirms the success or failure of the payment with reference to the confirmation page of the received payment statement.

FIG. 9 shows an example of the confirmation page of the deposit details.
The payment details confirmation page 900 includes a narrowing condition designation field 910, a deposit amount display field 920, and a payment details display field 930.
The narrowing-down condition designation field 910 includes a period designation field 911, an order number designation field 912, and a button 913 that displays “Search”.
When a member store (person in charge) selects an account transfer date or an order date with a radio button in a period designation field 911, designates the start and end of the period, and clicks the “Search” button 913, the account transfer date or the order A deposit detail corresponding to the order information included in the period in which the day is designated is displayed in the deposit detail display field 930. Further, when the member store (person in charge) inputs a specific order number in the order number designation field 912 and clicks the “Search” button 913, if there is a deposit detail corresponding to the order information of the designated order number, the deposit will be made. It is displayed in the detail display column 930.

In the deposit amount display column 920, the total amount is displayed for the settlement amount, the fee, and the deposit amount among the order information displayed in the order information display column 930. The deposit amount here includes a scheduled deposit amount (a price after the withdrawal process is completed and before the payment process is completed).
In the order information display field 930, the order date, account transfer date, order number, settlement amount, fee and deposit amount are displayed for each order number. Of these, the settlement amount is an amount corresponding to the “billing amount” in the order information. The deposit amount is an amount corresponding to the “payment amount” of the payment information.
Here, since the commission for all orders is “user burden” (when the “fee bearer category” of the member store information is set to “member burden”), the settlement amount and the deposit amount are the same. Conversely, if the commission is “store burden” (when the “community bearer category” of the member store information is set to “merchant burden”), the deposit amount is the amount obtained by subtracting the prescribed fee from the payment amount. It becomes.
The order number in the order information display field 930 is a link to a detailed confirmation page for the order contents corresponding to the order number. As a result, the member store (person in charge) can refer to the confirmation page of the order contents as necessary while performing the application process with reference to the confirmation page of the payment details, using the system of the present embodiment. it can.

FIG. 10 illustrates an order confirmation page. The order details confirmation page 1000 is an order number “199412-20070322-881197” which is transmitted to the member store terminal 40 when the link 931 in the order information display field 930 is clicked on the payment details confirmation page 900 (FIG. 9). This is a confirmation page of the order details.
The order content confirmation page 1000 includes an order content display column 1010 that displays items related to the order content in the order information, a shipping information display column 1020 that displays items related to product shipment in the order information, and “input content. It is composed of a “reflect” button 1030 and the like.
The order content display field 1010 displays order information of the order number “199412-20070322-813197” and member information associated therewith. In the shipping information display column 1020, the destination of the product, the product to be shipped, the price, etc. are displayed.
In addition, when necessary information is input in the blank space of the order content display field 1010 or the shipping information display field 1020 and the button 1030 on which “Reflect the input content” is clicked, the content of the order information is updated.

  Returning to FIG. 5, when it is possible to confirm that the settlement has been completed, the member store (person in charge) performs an application process with reference to this confirmation page for the corresponding order (S565). When the above processing is completed, the member store sends the product related to the order to the member (purchaser) who placed the order by a predetermined method.

<Other embodiment 1>
In the above-described embodiment, the virtual shopping mall management server 10 adds the order number given to the order information related to the request to the withdrawal information and payment information related to the account transfer request, and transmits to the bank server 50. It is said. On the other hand, an identifier corresponding to the order number assigned to the order information related to the request may be added to the withdrawal information and payment information transmitted to the bank server 50 on a one-to-one basis.
Also in this embodiment, payment information can be associated with order information. In addition, since it is not necessary to send the order number itself to the bank server 50, the security of the payment processing in cooperation with the bank server 50 can be improved.

In this case, the virtual shopping mall management server 10 generates and stores a table in which the order number and the identifier are associated with each other when the withdrawal information and the payment information are transmitted to the bank server 50, and is associated with the order number. An identifier is added to the withdrawal information and payment information and transmitted. Further, the table stored when the withdrawal information or the payment information is received from the bank server 50 is referred to, and the order information assigned with the order number corresponding to the identifier included in the withdrawal information or the payment information is specified.
By these processes, the same effect as when adding an order number to withdrawal information and payment information can be obtained. The identifier corresponding to the order number on a one-to-one basis is calculated from the order number using an identification number uniquely assigned to the account transfer request information or a predetermined function (for example, a hash function such as MD5). A value (for example, a hash value) can be considered.

<Other embodiment 2>
In the above-described embodiment, the virtual shopping mall management server 10 displays information related to payment (payment information) on a confirmation page on the Web service when payment processing (withdrawal processing) by account transfer is completed. . On the other hand, at all timings from order reception to transaction completion, information related to payment (progress information) is displayed on the list page of order contents on the Web service, individual confirmation page for order contents, correction page for order contents, payment It may be displayed on a processing request page or the like.
As a result, the merchant (person in charge) who has confirmed the payment “in a timely manner” makes payment processing when viewing information related to payment at all timings from the receipt of the order to the completion of the transaction. You will be able to check the progress status.

In the above-described embodiment, the payment processing status is included in the order information. Therefore, when displaying information related to settlement (progress information) on a confirmation page or the like, the contents of the settlement processing status can be used. In addition, you may change the displayed wording as needed.
For example, after receiving a payment request from the member store terminal 40 and before receiving a notification from the bank server 50 that the debit processing relating to the account transfer is completed (steps S520 to S540 in FIG. 5), The virtual shopping mall management server 10 presents the progress status of the settlement process, for example, on an individual request page 1100 of the settlement process illustrated in FIG. 11 (here, a page for requesting a process of returning to “wait for transfer request”).
Referring to the individual request page 1100 for payment processing, it can be seen that the payment processing status related to the order information of the order number “199412-20070528-824357” is “Waiting for balance check”.

It is a figure which shows the structural example of the conventional system. It is a sequence diagram which shows the flow of the order reception process by the conventional system. It is a sequence diagram which shows the flow of the payment processing of the price by the conventional system. It is a figure which shows the structural example of the system of embodiment. It is a figure which shows the main items of (a) member information, (b) member store information, (c) merchandise information, and (d) order information. It is a sequence diagram for demonstrating the flow of the payment process performed in cooperation with the bank system in the system of embodiment. It is a figure which shows the example of the collective request page of account transfer. It is a figure which shows the example of the individual request page of fund transfer. It is a figure which shows the main items of (a) withdrawal information and (b) payment information. It is a figure which shows the example of the confirmation page of a payment statement. It is a figure which shows the example of the confirmation page of an order content. It is a figure which shows the example of the separate request page of a payment process.

Explanation of symbols

10 Virtual Shopping Street Management Server 11 Member Information Database 12 Member Store Information Database 13 Product Information Database 14 Order Information Database 20 Network 21 Dedicated Line 30 Member Terminal 40 Member Store Terminal 50 Bank Server 600 Account Transfer Batch Request Page 700 Individual Account Transfer Request page 900 Payment details confirmation page 1000 Order details confirmation page 1100 Settlement processing individual request page

Claims (6)

A virtual shopping mall management system that supports transactions between member stores and members of a virtual shopping mall,
Order information for the member store received from the member is selectably displayed based on the information acquired from the order information storage means stored in association with a unique order number. Generating a request page for causing the terminal of the member store to transmit a settlement request including an identifier corresponding to the order number associated with the selected order, and Request page transmitting means for transmitting the request page to the terminal;
An account including an identifier corresponding to the order number when the settlement request transmitted from the terminal of the member store is received using the request page, specifying an order number corresponding to the identifier included in the settlement request A transfer request sending means for sending a transfer request to the bank server;
When the account transfer processing information corresponding to the account transfer request is received from the bank server, the order number corresponding to the identifier included in the account transfer processing information is specified, and the order number in the order information storage means is linked to the order number Order information updating means for updating a settlement processing status indicating a settlement status of the attached order according to the account transfer processing information ;
Payment processing status transmission means for transmitting the payment processing status to the member store;
A virtual shopping mall management system. The identifier included in the settlement request and the identifier corresponding to the order number are the order numbers given to the order information.
The virtual shopping mall management system according to claim 1 . Wherein the merchant terminal, further comprising a progress confirmation request receiving means for receiving the progress confirmation request settlement processing for the order information,
The settlement processing status transmission unit reads the order information corresponding to the progress confirmation request from the order information storage unit when the progress confirmation request is received, and corresponds the settlement processing status related to the read order information to the order number. Generate a progress information confirmation page and send it to the terminal of the member store,
The direct debit processing information consists of withdrawal information and payment information,
The order information update means, the settlement processing status of the order information, the settlement request is updated to "balance confirmation waiting" when it receives a, said "in the payment Preparation" the withdrawal information when it receives or "debit impossible updated to "is updated to" complete "or" paid freeze "upon receiving the payment information,
The virtual shopping mall management system according to claim 1 or 2 . The payment processing status transmission means generates a payment information confirmation page as having been received when the payment processing status of the read order information is updated to “preparation for payment” by the withdrawal information, and is transmitted. to,
The virtual shopping mall management system according to claim 3 . A payment method in a virtual shopping mall management system that supports transactions between member stores and members of a virtual shopping mall,
Order information for the member store received from the member is selectably displayed based on the information acquired from the order information storage means stored in association with a unique order number. Generating a request page for causing the terminal of the member store to transmit a settlement request including an identifier corresponding to the order number associated with the selected order, and A request page transmission step of transmitting the request page to the terminal;
An account including an identifier corresponding to the order number when the settlement request transmitted from the terminal of the member store is received using the request page, specifying an order number corresponding to the identifier included in the settlement request A transfer request sending step for sending a transfer request to the bank server;
When the account transfer processing information corresponding to the account transfer request is received from the bank server, the order number corresponding to the identifier included in the account transfer processing information is specified, and the order number in the order information storage means is linked to the order number An order information update step for updating a settlement processing status indicating a settlement status of the attached order in accordance with the account transfer processing information;
A payment processing status transmission step of transmitting the payment processing status to the member store;
Settlement method with. The program for making a computer implement | achieve each means of the virtual shopping mall management system in any one of Claims 1-4 as a function.