JP6017633B1 - Settlement system, settlement method, and settlement program - Google Patents

Abstract

A payment system for selecting an appropriate account transfer process is provided. A method of receiving a payment source identification number, a settlement amount, and location information from a client computer, a step of acquiring payment source data from a data storage unit based on the payment source identification number, and a location information And acquiring the payment destination data from the data storage unit, determining the payment destination account information included in the payment destination data based on the payment source account information included in the payment source data, and including in the payment source data Based on the payment source account information, the payment destination account information, and the settlement amount, and the step of creating the account transfer data and the step of transmitting the account transfer data to the account system. [Selection] Figure 4

Description

  The present invention relates to a payment system, a payment method, and a payment program, and more particularly, to a payment system, a payment method, and a payment program that specify a store used by a user and determine efficient fund transfer.

  Cashless payment, represented by credit card payment, is widely used. Cashless payment is an effective payment method in terms of avoiding risks such as theft or loss of cash from the user's point of view.

  A credit card member who becomes a credit card user can make a settlement using a credit card at a member store that has signed a member store contract with the credit card company. Credit card members should pay the settlement amount to the merchant that sells and provides the products and services they purchased, but in credit card settlement, the payment amount must be paid to the credit card company. Become.

  With reference to FIG. 1, a credit card settlement mechanism will be described. FIG. 1 shows credit when a credit card member A enters into a credit card contract with a credit card company B and purchases a product / service from a member store C affiliated with the credit card company B. It is an example of card payment. Here, it is assumed that the credit card member A has an account d in the financial institution D and designates that the settlement amount for the credit card settlement is deducted from the account d.

  (1) When a credit card member A purchases a product / service from a member store C, the member C pays a price for the purchase. Next, the credit card company B deducts the payment amount to be paid from the account d designated by the credit card member A, but (2) has the account d at a predetermined timing such as monthly. The financial institution deducts from the account d. (3) The financial institution D deposits the settlement amount into the account d ′ of the financial institution D owned by the storage agency E. That is, the account transfer process for the payment amount is performed from the account d held by the credit card member A to the account d ′ held by the storage agency E.

  The direct account transfer is not performed from the account d held by the credit card member A to the account held by the credit card company B. In the account transfer process by the financial institution, the account transfer process is performed unless it is between accounts of the same financial institution. It is because it cannot be done. That is, in the account transfer process, the account held by the payment payee and the account held by the payment payment source need to be the same financial institution. Generally, a credit card operator has a large number of credit card members, and each of the large number of credit card members has an account of any financial institution, so a credit card operator has an account of any financial institution. It is necessary to have. However, credit card operators do not always have all financial institution accounts designated by credit card members, and in order to support account transfer processing from all financial institution accounts designated by credit card members. In many cases, credit card operators ask collection agencies to collect payments. (The collection agency holds accounts of all financial institutions nationwide to perform such payments.) ing).

  When the payment amount is deposited into the account d 'of the storage agency company E, (4) the credit card company B collects the payment amount from the storage agency company E, and (5) the credit card company B The payment amount is paid to the member store C. (6) The member store C pays a predetermined fee to the credit card business operator B who performs such credit card settlement, and (7) the credit card business operator B performs the collection operation for such settlement amount. A predetermined fee is paid to the storage agent company E acting on its behalf.

JP 2009-026116 A

  As described above, in credit card settlement through account transfer processing, the credit card company pays a fee to the storage agency, so the member store pays the credit card company the amount corresponding to the fee. It will be added to the fee. This is because it is necessary to cope with the account transfer from the account of any financial institution designated by the credit card company. In other words, all credit card members of a credit card company specify the same account of one financial institution for credit card payment, so that the collection amount by the storage agent company becomes unnecessary, and the member store The fee to pay can be reduced.

  Actually, for example, when collecting monthly tuition fees at a cram school or swimming school, etc., by bank transfer, compulsory account transfers such as tuition fees from the financial institution's account designated by the business side of the cram school There are also examples. However, there are many all kinds of credit card members, and it is inconvenient for credit card members to designate an account by a credit card company, and it is differentiated from other credit card operators. It will not be possible.

  Patent Document 1 discloses a system that supports transactions between members and member stores in a virtual shopping mall. In the system according to Patent Document 1, an account transfer request is received from a member store terminal, the virtual shopping mall management server updates the “settlement process status” of the order information, and requests the account transfer process including the order number to the bank server. Information (withdrawal information / payment information) is sent, and the bank server performs the withdrawal process / payment process based on the received withdrawal information / payment information, respectively, and manages the updated withdrawal information / payment information in the virtual shopping mall. The virtual shopping mall management server updates the order information according to the received withdrawal information and payment information.

  In the system according to Patent Document 1, account transfer can be selected as a settlement method. With this, when a member has registered an account for debiting in advance, transfer can be made by selecting settlement by account transfer. It is no longer necessary to perform procedures such as each transaction. However, the system according to Patent Document 1 does not lower the fee as compared with the conventional mechanism while accepting an account transfer process from an account of any financial institution designated by a credit card member.

  The present invention has been made in view of such problems, and the object of the present invention is to perform an appropriate account transfer process by comparing an account designated by a credit card member with an account held by a member store. To provide a settlement system, a settlement method, and a settlement program to be selected.

  In order to solve the above problems, a first aspect of a settlement system, a settlement method, and a settlement program according to the present invention is a settlement method executed by a server computer connected to a client computer and a billing system. The server computer includes a data storage unit that stores payment source data including a payment source identification number and payment source account information, and payment destination data including payment destination location information and payment destination account information, and the method includes: Receiving a payment source identification number, a settlement amount, and location information from the client computer, obtaining payment source data from the data storage unit based on the received payment source identification number, and the reception Acquiring payee data from the data storage unit based on the location information, Based on the payment source account information included in the acquired payment source data, determining the payment destination account information included in the acquired payment destination data; and the payment source account included in the acquired payment source data Based on the information, the determined payee account information, and the received settlement amount, the step of creating account transfer data, and the step of transmitting the created account transfer data to the account system It is characterized by.

  Further, a second aspect of the payment system, the payment method, and the payment program according to the present invention is the first aspect of the payment system, the payment method, and the payment program according to the present invention. The step of determining payment destination account information including payment destination account information is the same financial institution as the financial institution of the payment source account information included in the acquired payment source data from the plurality of payment destination account information. It is characterized by including the step which determines the payee account information which shows.

  The third aspect of the payment system, the payment method, and the payment program according to the present invention is a payment method executed by a client computer connected to a server computer and a beacon device, wherein the client computer A data storage unit storing payment destination data including an identification number and payment destination location information, wherein the method receives a beacon signal from the beacon device; and the data storage based on the received beacon signal Acquiring payment destination data from the payment unit, receiving a payment source identification number and a payment amount, receiving the payment source identification number and the payment amount, and the payment destination identification included in the acquired payment destination data The number is sent to the server computer. Characterized by comprising and.

  A fourth aspect of the settlement system, the settlement method, and the settlement program according to the present invention is a computer system that provides a settlement means connected to a client computer and a billing system, and includes a payment source identification number and a payment Data storage unit storing payment source data including original account information, payment destination position information and payment destination account information, and payment source identification number, settlement amount, and position information from the client computer From the data storage unit based on the received location information, a payment source data acquisition unit that acquires payment source data from the data storage unit based on the received payment source identification number, A payment destination data acquisition unit for acquiring payment destination data, and the payment source account information included in the acquired payment source data; Accordingly, an account determination unit that determines the payment destination account information included in the acquired payment destination data, the payment source account information included in the acquired payment source data, the determined payment destination account information, and the An account transfer data creation unit that creates account transfer data based on the received payment amount, and a transmission unit that transmits the created account transfer data to the account system are provided.

  Further, a fifth aspect of the payment system, the payment method, and the payment program according to the present invention is the fourth aspect of the payment system, the payment method, and the payment program according to the present invention. Payment account information including payment destination account information, wherein the account determination unit indicates the same financial institution as the financial institution of the payment source account information included in the acquired payment source data from the plurality of payment destination account information It is characterized by determining.

  The sixth aspect of the payment system, the payment method, and the payment program according to the present invention is a computer device that provides a payment means connected to a server computer and a beacon device, and includes a payment destination identification number and a payment destination. Data storage unit storing payment destination data including location information, receiving unit receiving beacon signal from the beacon device, and data for acquiring payment destination data from the data storage unit based on the received beacon signal An acquisition unit; a reception unit that receives input of a payment source identification number and a payment amount; and the received payment source identification number and payment amount, and the payment destination identification number included in the acquired payment destination data. And a transmission unit for transmitting to the network.

  Further, a seventh aspect of the payment system, the payment method, and the payment program according to the present invention is the computer according to any one of the first to third aspects of the payment system, the payment method, and the payment program according to the present invention. It is a program characterized by being executed.

  According to an eighth aspect of the payment system, the payment method, and the payment program according to the present invention, the program according to the seventh aspect of the payment system, the payment method, and the payment program according to the present invention is recorded. A computer-readable storage medium.

  According to the payment system, the payment method, and the payment program according to the present invention, it is possible to cope with the account transfer from the account of any financial institution designated by the credit card member. By removing the intermediary of the storage agency that was used, the fee paid by the member store to the credit card company can be reduced.

It is a figure which shows the structure of the conventional credit card payment. It is a figure which shows the example of a structure of the whole computer system which comprises the credit card payment system which concerns on one Embodiment of this invention. It is a figure which shows the example of a detailed structure of the computing device which comprises the credit card payment system which concerns on one Embodiment of this invention. It is a flowchart which shows the example of the process which performs the payment method which concerns on one Embodiment of this invention. It is a figure which shows the example of the user data table which concerns on one Embodiment of this invention. It is a figure which shows the example of the member store mapping table which concerns on one Embodiment of this invention. It is a figure which shows the example of the member store data table which concerns on one Embodiment of this invention. It is a figure which shows the structure of the payment method which concerns on one Embodiment of this invention.

  Hereinafter, a payment system according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings. FIG. 2 shows an example of the configuration of the entire computer system that implements the settlement system according to the embodiment of the present invention. Note that the payment service according to the present embodiment is assumed to be provided by a credit card operator, but the provider provided is not limited to a credit card operator. In the following, the service provider providing the settlement service according to the present invention is referred to as a “service provider”, the party receiving the service and the payment source of the settlement as the “user”, and the service provider in providing the settlement service. An affiliated product / service provider and an operator who pays for settlement is referred to as a “member store”.

  The payment system according to the present embodiment includes a payment server 1, a portable terminal (such as a mobile phone) 2, and an access point 3, and is connected to the bank system 5 via a network 7 (a public line such as the Internet or a dedicated line). It is connected. The settlement server 1 and the mobile terminal 2 are connected to each other via a network 6 (a combination of a wireless network using a communication system such as 3G and LTE and a public line such as the Internet). The portable terminal 2 and the access point 3 are connected to each other via a wireless LAN (WiFi (Wireless Fidelity: registered trademark), etc.).

  The settlement server 1 is a server computing device managed and owned by a service provider. The settlement server 1 receives settlement data and location information from the mobile terminal 2, determines a member store that is a target of settlement by the user, creates account transfer data, and transmits it to the bank system 5. Etc. are executed.

  The portable terminal 2 is a computer device that is owned by a user and used to use the payment system according to the present embodiment. When the user makes payment at a predetermined member store, payment data is input to the mobile terminal 2. The mobile terminal 2 is not particularly limited as long as it is a client computing device having a wireless function and an arithmetic function.

  The access point 3 is a wireless LAN access point installed in the store of the member store 4 and transmits a beacon signal indicating the location of the store to the mobile terminal 2 (ie, a beacon device). In recent years, so-called public wireless LAN spots where wireless LAN access points are installed are increasing, and the mobile terminal 2 can receive a beacon signal using the public wireless LAN spots. .

  The bank system 5 is a conventional account system provided by a financial institution such as a bank. When the bank transfer system 5 receives the account transfer data from the settlement server 1, the bank system 5 deducts the settlement amount from the debit destination account specified by the account transfer data, and deposits the settlement amount from the deposit destination account specified by the account transfer data.

  Next, with reference to FIG. 3, an example of a detailed configuration of a computing device constituting the credit card settlement system according to the embodiment of the present invention will be described.

  The settlement server 1 includes a communication unit 11, a control unit 12, a main storage unit 13, and an auxiliary storage unit 14, and these elements are connected to each other via an internal bus.

  The communication unit 11 transmits / receives data such as payment data to / from the mobile terminal 2 and the bank system 5 connected via the network 6 and the network 7, respectively. Data transmission / reception with the mobile terminal 2 can be performed by code division multiple access (CDMA), time division multiple access (TDMA), frequency division multiple access (FDMA), or Communication may be performed by a method such as orthogonal frequency division multiple access (OFDMA).

  The control unit 12 is also referred to as a central processing unit (CPU), and includes a control device that controls the entire settlement server 1, an arithmetic unit, an interface with the main storage unit 13, and an input / output device with peripheral devices. Interface. The control unit 12 executes control of each of the above-described constituent elements and data calculation, and reads various programs stored in the auxiliary storage unit 14 into the main storage unit 13 and executes them.

  The main storage unit 13 is also referred to as a main memory or a temporary storage device, and is a storage device that can be directly accessed by the control unit 12. The control unit 12 reads and executes a command stored in the main storage unit 13. Data that is frequently operated by the control unit 12 is also stored in the main storage unit 13 in the same manner.

  The auxiliary storage unit 14 is a storage device represented by a hard disk drive (HDD) and has a data storage unit (database table) 14a that stores a user data table to be described later. Further, the auxiliary storage unit 14 stores a program (not shown) for causing the control unit 12 to execute various processes according to the present embodiment. The payment server 1 implements a database management system (DBMS: database management system) (not shown), and the control unit 12 executes the DBMS to read out a database table such as a user data table, record Insertion / update is executed.

  The mobile terminal 2 includes a communication unit 21, a control unit 22, a main storage unit 23, an auxiliary storage unit 24, a display unit 25, and a camera 26, and these elements are connected via a system bus.

  The communication unit 21 receives a payment program described later from the payment server 1 via the network 6. The payment program is an application program that is executed on the mobile terminal 2 to receive the payment service according to the present embodiment. The payment program is downloaded from the payment server 1 to the mobile terminal 2 as an ASP (Application Service Provider) service and stored in the auxiliary storage unit 24.

  The control unit 22 is a central processing unit, reads the above-described settlement program into the main storage unit 23, executes the program, and executes control of each element, data calculation, and the like described above.

  The main storage unit 23 is a main memory, and stores input data received by the mobile terminal 2, computer-executable instructions, data after arithmetic processing by the instructions, and the like.

  The auxiliary storage unit 24 is a storage device such as a hard disk, and stores the payment program downloaded from the payment server 1 described above.

  The display unit 25 is a display that displays a screen interface for the user to input payment data when the control unit 12 executes the payment program. The display unit 25 may include, for example, a touch panel display that detects input operations such as a touch operation, a flick operation, and a slide operation by a user using a technique such as a resistance film method or a capacitance method. .

  The camera 26 has a one-dimensional barcode (JAN (Japan Article Number) code, etc.) and / or a two-dimensional barcode (QR code (quick response)) attached to a receipt of goods / services purchased by the user or purchased goods. code: registered trademark)). The resolution of the camera 26 is not particularly limited, but it needs to have at least a resolution that can read the one-dimensional code and the two-dimensional barcode described above.

  The access point 3 is a wireless LAN access point installed in the store of the member store as described above, and relays communication of a wireless client such as a mobile phone in a so-called “infrastructure mode”. The access point 3 may be implemented by a router device or the like, or may be implemented by a wireless client such as a mobile phone by software control. Since the access point 3 uses a technology that has been conventionally implemented, a detailed description thereof will be omitted.

  The bank system 5 is an account system that executes processing such as account transfer and account transfer between the same or different financial institutions provided by the financial institution as described above. Since the bank system 5 has existed conventionally, detailed description in this specification is omitted.

  Next, an example of a payment service executed by the payment system according to the embodiment of the present invention will be described with reference to the flowchart of FIG. Here, it is assumed that (1) the user has specified account information (hereinafter referred to as “user account” as the account specified by the user) and the account information as “ (2) The member store has a plurality of accounts, and the plurality of account information is registered with the service provider (hereinafter referred to as member store information). Accounts registered with service providers are called “Member Store Accounts” and their account information is “Member Store Account Information”). This is done by direct debit to one of the store accounts.

  The flowchart of FIG. 3 shows a process in which a user purchases a product / service at a predetermined member store and performs a settlement related to the purchase. In the mobile terminal 2, a payment program downloaded in advance from the payment server 1 is stored in the auxiliary storage unit 24, and the control unit 22 reads the payment program into the main storage unit 23 and executes it, whereby the flowchart of FIG. The process of the portable terminal 2 is executed.

  First, the access point 3 installed in the store of the target member store transmits a beacon signal to the mobile terminal 2 (step S401). The transmitted beacon signal is received by the communication unit 21 of the mobile terminal 2 (step S402). Note that the access point 3 periodically transmits a beacon signal at a frequency of, for example, 10 times per second. The beacon signal includes information such as ESS-ID (Extended Service Set Identifier), MAC (Media Access Control) address, and electric field strength of the access point 3.

  Since the access point itself, the network of the access point, and the like can be specified from these pieces of information, the control unit 12 of the mobile terminal 2 determines the location from the location information database server (not shown) based on this beacon signal. By acquiring information or the like, position information (for example, position information such as “1-1-1 Shinjuku-ku, Tokyo”) is specified (step S403). Since a position specifying method such as making an inquiry to the position information database based on such a beacon signal is known in the field, detailed description thereof is omitted. Note that the position specifying function based on the beacon signal may be implemented in the settlement program, or the function may be implemented independently and linked with the settlement program.

  Next, in the mobile terminal 2, a user identification number is input from the user (step S404). The user identification number in this step is input by, for example, a touch operation on a screen interface (not shown) displayed on the display unit 25 or an input operation such as button input when the control unit 22 executes the settlement program. (For example, authentication input with a user identification number on the initial screen). Further, instead of a configuration for inputting a user identification number, an IMSI (International Mobile Subscriber Identity) stored in a SIM (Subscriber Identity Module) held by the mobile terminal 2 Such an identification number as the user identification number may be used. In this case, it is not necessary to input a user identification number.

  Next, in the mobile terminal 2, a payment amount to be settled is input from the user (step S405). The payment amount input in this step is input by an input operation such as a touch operation or a button input on a screen interface (not shown) displayed on the display unit 25 when the control unit 22 executes the payment program. It may be configured as described above. In addition, the camera 26 of the mobile terminal 2 reads the one-dimensional barcode and / or two-dimensional barcode attached to the product purchased by the user, or the receipt output by the register of the member store is printed. Alternatively, the settlement amount may be input by reading the one-dimensional barcode and / or the two-dimensional barcode. This barcode reading / recognition function may be implemented in the settlement program, or the function may be implemented independently and linked with the settlement program.

  When the payment amount is input, the communication unit 21 of the mobile terminal 2 sets the payment data including the position information specified in step S403, the user identification number input in step S404, and the payment amount input in step S405. Is transmitted to the settlement server 1 via the network 6 (step S406).

  When the communication unit 11 of the payment server 1 receives the payment data transmitted in step S406 (step S407), the control unit 12 reads the corresponding data from the user data table based on the user identification number included in the payment data. A user data record is acquired (step S408). The user data record is a database table that stores information on users registered in advance in the service provider. The user data table 500 will be described with reference to FIG.

  As shown in FIG. 5, the user data table 500 includes at least items “user identification number”, “user name”, and “account information”. In addition to such information, information such as a telephone number is included in a practical implementation, but in this specification, only the above-described information is used for the sake of simplicity. The item “account information” is account information designated by the user and used in the account transfer settlement. That is, the payment amount is deducted from the account indicated in this item.

  Returning to the description of FIG. 4, the control unit 12 of the settlement server 1 identifies the corresponding member store based on the position information included in the settlement data (step S409). In specifying the member store based on the position information in this step, for example, the settlement server 1 stores the member store mapping table 600 shown in FIG. 6 in the auxiliary storage unit 14 and uses the member store mapping table 600. The corresponding member store may be specified.

  FIG. 6 shows a member store mapping table 600 showing the mapping between member store identification numbers and member store addresses, including member store identification numbers, member store names, and addresses. From this mapping table, the member store of the address indicated by the position information included in the settlement data is specified. In the present embodiment, the location information acquired in step S403 and the address of the member store in the member store mapping table 600 indicate the position / address on the housing display including the prefecture, city, house number, and the like. However, the present invention is not limited to such a format, and may be indicated by, for example, position coordinates (for example, north latitude 35 degrees 50 minutes 37.2 seconds, east longitude 139 degrees 44 minutes 13.4 seconds, etc.).

  In this embodiment, the target member store is specified by the method as described above based on the beacon signal received from the access point, but the target member store identification code is directly input from the portable terminal 2. The member store may be specified by, for example.

In addition, based on the location information included in the payment data (that is, location information obtained from the beacon signal), there may be a case where a member store with a duplicate address is obtained from the member store mapping table 600 (for example, the same address is used). And there are multiple merchants in the same building, and a specific merchant cannot be identified from the beacon signal). In order to deal with such a situation, the member store may be specified based on the access point identifier and / or the MAC address obtained from the beacon signal. In such a configuration, the member store mapping table 600 includes the above-described access point identifier and / or MAC address in addition to / in place of the member store address.

  Next, the control unit 12 acquires the corresponding member store data record from the member store data table based on the member store identification number of the member store specified in step S409 (step S410). The member store data record is a database table that stores information related to member stores registered in advance in cooperation with a service provider. The member store data table 700 will be described with reference to FIG.

  As shown in FIG. 7, the member store data table 700 has at least the items “member store identification number”, “member store name”, “account information 1”, “account information 2”,... “Account information n”. doing. In addition to such information, information such as a telephone number is included in a practical implementation, but in this specification, only the above-described information is used for the sake of simplicity. The items “account information 1”, “account information 2”,..., “Account information n” are one or more account information designated by the member store and used in the account transfer settlement. That is, the settlement amount deducted from the account designated by the user is deposited into the account indicated in this item.

  A mapping table of member store identification numbers and addresses as shown in FIG. 6 may be implemented in the member store data table 700 shown in FIG. In this case, the member store data record is acquired based on the position information acquired in step S403.

  Next, based on the account information (user account information) included in the user data record acquired in step S408, the control unit 12 includes one or more account information included in the member store data record acquired in step S410. (Member store account information), member store account information indicating the same financial institution as the user account information is specified (step S411). Whether or not they are the same financial institution is determined by whether or not the “financial institution codes” of the user account information and the member store account information are the same.

  When the account is determined, the control unit 12 uses the payment amount included in the payment data received in step S407 as the payment destination account information with the merchant account information as the withdrawal destination account information and the merchant account information as the payment destination account information. The account transfer data is transmitted to the bank system 5 created and provided by the financial institution of the account that is the withdrawal destination and the deposit destination (step S412). When the bank system 5 receives the account transfer data (step S413), the bank system executes a process of debiting the settlement amount from the debit destination account and depositing the deducted settlement amount to the deposit destination account (step S414). Note that the processing in steps S412 to S414 has been conventionally performed between a credit card business operator and a financial institution such as a bank, and thus detailed description thereof will be omitted.

  As described above, the settlement method according to the present embodiment has been described. Compared with the conventional settlement method as described in FIG. 1, the settlement method according to the present embodiment is (1) when a user purchases a product / service from a member store, and (2) settles from a user account. (3) The financial institution deposits the settlement amount into the designated merchant account designated by the same financial institution as the user account. (4) The merchant shall provide such a settlement scheme. On the other hand, a predetermined fee is paid to the service provider.

  By the settlement method described above, the service provider can realize the account transfer settlement without requesting a conventional storage agency. This eliminates the need for the service provider to pay a fee to the storage agent company, thereby reducing the fee paid by the member store to the service provider.

  In addition, since the account transfer settlement is executed by specifying the target member store based on the beacon signal received from the access point 3 and inputting the settlement amount, the cash can be transferred without using a conventional credit card. Less payment can be realized. In addition, processing such as inputting a member store identification number becomes unnecessary at the time of settlement.

  Furthermore, since the payment method described above is executed in the mobile terminal 2 and the payment server 1, the payment according to the present invention is not required without requiring a countermeasure such as mounting a special function in the cash register device installed in the member store. A system can be implemented. In particular, in recent years, an access point that transmits a beacon signal is often installed in every store, and the payment system according to the present invention can be implemented using the device.

  As described above, the description of the payment method according to the present embodiment has been described in detail. Specific data such as the user data table 500, the member store mapping table 600, and the member store data table 700 described in the embodiment are described. The structure is illustrative only and changes may be made without departing from the claimed subject matter. Moreover, the order of the flowchart demonstrated in FIG. 4 may be changed in the range which does not deviate from the matter claimed, and a part of step may be excluded.

  Furthermore, a part of the processing executed in the settlement server 1 described in FIG. 4 may be executed in the mobile terminal 2. For example, in the mobile terminal 2, the corresponding member store is specified based on the beacon signal received from the access point 3, and the member store identification number is transmitted to the settlement server 1. In this case, the user data table 500, the member store mapping table 600, the member store data table 700, and the like are also mounted on the portable terminal 2.

DESCRIPTION OF SYMBOLS 1 Payment server 2 Mobile terminal 3 Access point 4 Member store 5 Bank system 6 Network 7 Network 500 User data table 600 Member store mapping table 700 Member store data table

Claims (6)

A payment method executed by a server computer connected to a client computer and a billing system, wherein the server computer includes payment source data including a payment source identification number and payment source account information, payment destination location information, and payment destination A data storage unit storing payment data including account information;
The method
Receiving a payment source identification number, a payment amount, and location information from the client computer;
Obtaining payment source data from the data storage unit based on the received payment source identification number;
Obtaining payment destination data including the payment destination location information specified based on the received location information from the data storage unit;
Determining the payment destination account information included in the acquired payment destination data based on the payment source account information included in the acquired payment source data;
Creating account transfer data based on the payment source account information included in the acquired payment source data, the determined payment destination account information, and the received payment amount;
Transmitting the created account transfer data to the account system.   The payment destination data includes a plurality of payment destination account information, and the step of determining the payment destination account information includes the payment source account information included in the acquired payment source data from the plurality of payment destination account information. The method according to claim 1, further comprising the step of determining payee account information indicating the same financial institution as the other financial institution. A computer system for providing a settlement means connected to a client computer and a billing system,
A data storage unit storing payment source data including a payment source identification number and payment source account information, and payment destination data including payment destination location information and payment destination account information;
A receiving unit that receives a payment source identification number, a payment amount, and location information from the client computer;
Based on the received payment source identification number, a payment source data acquisition unit that acquires payment source data from the data storage unit;
A payment destination data acquisition unit for acquiring payment destination data including the payment destination location information specified based on the received location information from the data storage unit;
An account determination unit for determining the payment destination account information included in the acquired payment destination data based on the payment source account information included in the acquired payment source data;
An account transfer data creation unit that creates account transfer data based on the payment source account information included in the acquired payment source data, the determined payment destination account information, and the received settlement amount;
A computer system comprising: a transmission unit that transmits the created account transfer data to the account system. The payment destination data includes a plurality of payment destination account information, and the account determination unit is the same as the financial institution of the payment source account information included in the acquired payment source data from the plurality of payment destination account information. 4. The computer system according to claim 3 , wherein payee account information indicating a financial institution is determined. A program characterized by executing the method according to the computer to claim 1 or 2. A computer-readable storage medium having recorded thereon the program according to claim 5 .