JP6730019B2 - Electronic payment system and electronic payment method - Google Patents

Description

The present invention relates to an electronic payment system and an electronic payment method.

2. Description of the Related Art Conventionally, there is known an electronic payment system that makes payment for currency as electronic information.

JP, 2002-56338, A

In recent years, the harmful effects of the globalization of the market economy have become prominent, and the ideal way of a regional recycling economy is being sought. However, the conventional electronic payment system is a technology for smoothly proceeding the transaction regardless of the location of the transaction party, and is not intended for a regional circulation type economy.

It is an object of the present invention to provide an electronic payment system and an electronic payment method that promote a regional circulation type transaction.

An electronic payment system for solving the above-mentioned problems includes a user information storage unit that stores identification information of a user who can be a payer or a payee and a registration place in association with each other, and identification information of the payer and the payee. The identification information acquisition means to be acquired, and the registration location of the payer and the payee from the user information storage means based on the identification information of the payer and the payee, and the registration location of the payer and the receipt. A settlement fee derivation unit that derives a settlement fee according to a remittance distance that is a distance of a person's registered place, and a charging unit that charges the settlement fee.

Here, the identification information may be any information as long as it can uniquely identify the user, and is not limited to a code in which characters are combined, and may be a barcode, a fingerprint, a face image, or a voice. The registered place may be any information as long as it can uniquely identify a point or area, and is not limited to a combination of an administrative area name, a place name, and an address, and may be a latitude and longitude, a postal code, or an area code. The remittance distance is not limited to the information indicating the length, but may be any information indicating the geographical distance between the registered places of the transaction parties (payers and recipients), and may be the distance on the coordinate plane of latitude and longitude. It may be the time required to move between the registered place of the payer and the payee, the number of administrative line boundaries existing between the registered places of the transaction parties, or the difference between the postal codes of the transaction parties. It may be the difference in the area code or the number of rivers existing between the registered areas of the trading parties. Further, the remittance distance may be a straight line distance, or may be the length of a road connecting the payer and the payee's registered locations.

According to the present invention, the remittance distance is derived from the registered place of the transaction party registered in advance, and the settlement fee is derived according to the remittance distance, so that the settlement cost for the short-distance transaction is lower than the settlement cost for the long-distance transaction. Get lower. Therefore, it is possible to promote a regional circulation type transaction.

It is a block diagram concerning the embodiment of the present invention. 3 is a data structure diagram according to the embodiment of the present invention. FIG. 3 is a sequence chart according to the embodiment of the present invention. 3 is a data structure diagram according to the embodiment of the present invention. FIG. It is a screen block diagram concerning embodiment of this invention. 3 is a sequence chart according to the embodiment of the present invention. It is a screen block diagram concerning embodiment of this invention. It is a screen block diagram concerning embodiment of this invention. It is a screen block diagram concerning embodiment of this invention.

Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings. In addition, in each drawing, corresponding components are designated by the same reference numerals, and overlapping description will be omitted.

1. System Configuration The electronic payment system according to the present embodiment is a system for managing deposits in the complementary currency F and performing payment for transactions using the complementary currency F, and using a communication line such as the Internet or a public telephone communication network. It includes the connected payment server 1 and any number of payment terminals 21-25. The complementary currency F is an accounting number managed by the settlement server 1, and in this embodiment, one unit of the complementary currency F and one unit of the legal currency are equivalent.

The payment terminal may be any computer system having a communication function with the payment server 1, and is configured by the PCs 21 and 22, the register 23, the smartphone 24, the credit card payment terminal 25, and the like. The payment server 1 may be composed of a single computer system or a distributed processing system composed of a plurality of computer systems.
The payment server 1 includes an external storage 11, a main storage (not shown), a processor, an input/output mechanism, and a communication unit.

The payment server 1 functions as the payment fee derivation means 14, the charging means 15, the deposit management means 16, and the communication means 17 by executing the electronic payment program by the processor. The external storage 11 that functions as a user information storage unit stores product information 111, user information 112, transaction history 113, and deposit history 114 that are registered and read by a DBMS (Data Base Management System).

Each record of the product information 111 includes a product name, an identifier, a price, a category, a free keyword, and a user ID of a seller.

Each record of user information 112 includes the ID, zip code, and registered name of a user who can be a payer or a payee, as shown in FIG. 2A. The ID is identification information for uniquely identifying the user. The postal code is the postal code of the user's headquarters. Users with multiple offices must register the postal code of the head office. Such postal codes are considered to be the registered location of the user. The registered name is a corporate name or an individual name. The postal code and registered name are associated with the ID. The user information 112 has other fields such as an e-mail address, a telephone number, an address, etc., but since they have a well-known configuration, detailed description thereof will be omitted.

As shown in FIGS. 2B and 2C, each record of the deposit history 114 includes a transaction ID, a transaction date, a supplier ID, a deposit amount, a deposit amount, and a deposit balance for each user. The unit of the deposit amount, the withdrawal amount, the deposit balance, and the settlement amount is the unit of the complementary currency F used in the transaction managed by the settlement server 1, and is “F” in this embodiment.

As shown in FIG. 2D, each record of the transaction history 113 includes a transaction ID, a transaction date, a payer ID, a payee ID, and a payment amount. The payer ID is the user ID of the payer in the transaction, and the payee ID is the user ID of the payee in the transaction. The transaction history 113 includes records indicating payment between the operator of the electronic payment system and each user. The payment between the operator of the electronic payment system and each user includes payment of a payment fee from each user to the operator. The user ID of the operator of the electronic payment system is indicated by "000" in the figure.

The communication means 17 communicates with the settlement terminal 21-25 using a protocol such as HTTP, FTP, SMTP, etc. to acquire transaction information and a settlement instruction from the settlement terminal 21-25 and deliver it to the billing means 15 or charge it. The settlement fee and the settlement completion notice are acquired from the means 15 and transmitted to the settlement terminal 21-25.

The settlement fee deriving unit 14 obtains the registered locations of the payer and the payee from the external storage 11 based on the user IDs of the payer and the payee included in the transaction information, and derives the settlement fee according to the remittance distance. In the present embodiment, the remittance distance is the shortest distance on the road connecting the payer and the payee's registered locations, and the unit is “km”. Such a remittance distance may be derived by using a road information service provided by an external server, or a postal code, an address, and road information may be stored in the external storage 11 in association with each other. You may derive with reference to information. The registered place indicated by the postal code is not a point but an area having a certain size, and thus the registered place is regarded as a representative point of the region indicated by the postal code. The settlement fee can be derived by referring to a table, conditional branching processing, or substituting into a mathematical expression. In the present embodiment, as shown in FIG. 2E, a settlement fee is derived by combining a table in which remittance distance categories are associated with settlement fee rates, a remittance distance determination process, and a settlement fee rate multiplied by a transaction amount. That is, the settlement fee deriving unit 14 derives the shortest distance of the road connecting the payer and the recipient's registered locations from the two postal codes, and the shortest distance of the derived road is any remittance distance set in the table of FIG. 2E. It is determined whether the category corresponds to the category, and the settlement fee is derived according to the remittance distance category and the transaction amount.

The charging means 15 charges each user a deposit fee and a settlement fee. Deposit fees are derived according to deposit balance and deposit term. In the present embodiment, it is assumed that the settlement fee is entirely denominated in F and charged to the payer, and the deposit fee is charged to the depositor in legal currency. The unit of holding period is "day".

The deposit management means 16 updates the deposit balance of the transaction party according to the settlement amount in F. Here, the settlement amount processed by the deposit management means 16 includes a settlement fee representing the amount of F-denominated transactions between the operator of the electronic settlement system and each user, but does not include the deposit fee in fiat currency.

2. Electronic payment method (face-to-face payment)
Next, an electronic payment method for face-to-face payment using the payment server 1, the payment terminal 23 installed in the payee's office, and the credit card 26 or the smartphone 24 owned by the payer will be described. The credit card 26 and the smartphone 24 have a non-volatile storage medium storing payer identification information and a near-field wireless communication function. The payment terminal 23 is an NFC reader for receiving identification information from the credit card 26 or the smartphone 24 by near field wireless communication, a key for inputting a transaction amount, and for transmitting transaction information or a payment instruction to a payment server. It has the communication function of.

First, as shown in FIG. 3, the payee inputs the transaction amount into the payment terminal 23, and the user as the payer causes the payment terminal to read the identification information (user ID) from the credit card 26 or the smartphone 24 (S100, S200). At this time, the payer may be required to input the personal identification code to the settlement terminal 23. Either the transaction amount or the identification information may be input first.

Next, the settlement terminal 23 transmits the identification information of the payer and the payee and the transaction amount as transaction information to the settlement server 1 (S202).

Upon receiving the transaction information, the settlement fee derivation means 14 of the settlement server 1 derives the remittance distance based on the identification information of the payer and the payee (S300), and derives the settlement fee (S302). Specifically, first, the settlement server 1 obtains the registration place (postal code) of the payer and the payee from the user information using the user ID as the identification information as a key. Next, the settlement server 1 transmits the registered locations of the payer and the payee to the external server, and acquires the remittance distance from the registered location of the payer derived by the external server to the registered location of the payee. Next, the settlement server 1 determines which of the remittance distance categories stored in the table shown in FIG. 2E the remittance distance acquired from the external server belongs to, and the remittance distance category to which the remittance distance acquired from the external server belongs. Get the corresponding payment fee rate from the table. Next, the settlement server 1 derives the settlement fee in F by multiplying the transaction amount acquired as the transaction information by the settlement fee rate. For example, when the remittance distance is 212 km and the transaction amount is 50,000F, the settlement fee rate is 2% corresponding to the remittance distance category 200 to 300 km, and the settlement fee is 1000F.

Next, the communication means 17 of the payment server 1 transmits the transaction amount and the payment fee to the payment terminal 23 (S304), and the payment terminal 23 displays the payment fee received from the payment server 1 on the screen, and according to the user's operation. The payment instruction is transmitted to the payment server 1 (S204). The user's operation is an operation for approving the transaction amount and the settlement fee, and is, for example, pressing by a user as a payee or a payer of a specific key provided in the settlement terminal 23.

The settlement server 1 that has received the settlement instruction executes the settlement process by updating the transaction history and the deposit history (S306). Specifically, the charging means 15 of the settlement server 1 registers a transaction record including a transaction ID, a transaction date, a payer ID, a payee ID, and a settlement amount in the transaction history. Further, the deposit management means 16 of the settlement server 1 regards the deposit history of the payee, the transaction ID, the transaction date, the customer ID, the deposit amount equal to the transaction amount, and the deposit amount of this time to the immediately preceding deposit balance. Register a transaction record that includes the added deposit balance. Then, the deposit management means 16 of the settlement server 1 obtains the transaction ID, the transaction date, the customer ID, the withdrawal amount equal to the transaction amount, and the current withdrawal amount from the immediately preceding deposit balance regarding the depositor's deposit history. Register a transaction record that includes the withdrawn balance.

Here, when the settlement fee is generated, the deposit management means 16 of the settlement server 1 receives the payment record from the payer user to the payee user, and the deposit management unit 16 of the electronic settlement system from the payer user. Register a transaction record showing payment of settlement fee to the operator in the transaction history. If a settlement fee is incurred, the deposit management means 16 of the settlement server 1 regards the payer's deposit history, the transaction ID, the transaction date, the ID of the system operator as the transaction partner, and the settlement fee. A transaction record including a withdrawal amount equal to and a deposit balance obtained by subtracting the current withdrawal amount from the immediately preceding deposit balance is registered.

The transaction ID registered in the transaction history of the payer and the transaction ID registered in the transaction history of the payee are the same for the transaction corresponding to one settlement instruction. For example, when a user with ID001 who has a remittance distance of 212 km purchases a product from a user with ID002 and pays 10000F to the user with ID002 on June 25, 2015, the payment instruction is given to the user with ID002, as shown in FIG. 2D. 2B, transaction records with transaction ID 2010 and transaction ID 2011 are registered in the transaction history, and as shown in FIG. 2B, deposit records with transaction ID 2010 and transaction ID 2011 are registered in the deposit history of the user with ID 001, as shown in FIG. 2C. The deposit record with transaction ID 2010 is registered in the deposit history of the user with ID 002. It should be noted that identification information other than the ID such as the registered name of the user and the product name may be registered in each record.

Next, the payment server 1 transmits a payment completion notification to the payment terminal 23. The settlement completion notification may be the content of simply notifying that the settlement is completed, or the content of notifying the transaction amount, the payee, the payment fee, etc. for the transaction for which the settlement is completed. Upon receiving the payment completion notification, the payment terminal 23 may display on the screen that the payment has been completed. At this time, the settlement server 1 may also send a settlement completion notification to the recipient by e-mail or the like. The user's e-mail address may be registered in the user information in advance. The payment server 1 does not have to send such a payment completion notification.

The communication between the payment server 1 and the payment terminal 23 in the above payment processing is associated with the transaction identification information that uniquely identifies the payment processing.

3. Electronic payment method (virtual store payment)
Next, a settlement method (virtual store settlement) when a user purchases a product at a virtual store managed by the settlement server 1 will be described. The virtual store managed by the payment server 1 is a website that publishes information on products or services (hereinafter, products) provided by users registered in the payment server 1 and mediates the sale and purchase of these products. A user who wants to sell a product through a virtual store accesses a maintenance page provided by the payment server 1 by operating a browser, and communicates with the payment server 1 based on a protocol such as HTML to thereby sell any product. The product information of can be registered in the virtual store.

A user who wants to purchase an item at a virtual store managed by the payment server 1 operates a browser to access a search page for virtual stores managed by the payment server 1. FIG. 5 is an example of the search page. In this embodiment, as shown in FIG. 5, by setting the category 101 of the product to be purchased and the free keyword 102, the product registered in the virtual store can be searched. Further, in this embodiment, by setting the registration place 100 and the search distance 104 of the user who is going to purchase the product at the virtual store, the remittance distance from the registration place of the user who wants to purchase is registered within the set range. You can search for users who have land and products that they sell. Further, in this embodiment, the search area 103 can be narrowed down by the zip code to search for other users and products sold by other users.

When a user who accesses the search page published by the payment server 1 using the PC 21 sets search conditions such as category, free keyword, registered place, search distance, and search area and requests a search for a product or a user, it is shown in FIG. As described above, the set search conditions are transmitted from the PC 21 as the payment terminal to the payment server 1 (S101). Specifically, when the “product search” icon 105 is selected on the search page shown in FIG. 5, the search conditions are transmitted to the settlement server 1 together with the product search request, and when the “company search” icon 106 is selected, user search is performed. The search condition is transmitted to the settlement server 1 together with the request.

When the payment server 1 receives the search request together with the search condition from the PC 21, the payment server 1 refers to the product information and the user information registered in advance to search for a product and a user that match the search condition, and displays the search result. A result page is generated and transmitted to the PC 21 (S301). Upon receiving the search result page, the PC 21 displays the received search result page (S102).

FIG. 7A is an example of a product search result page generated by the payment server 1 and displayed by the browser of the PC 21 when the product search request is transmitted from the PC 21. On the product search result page, a product image 201, a product name 202, a price 203, and a seller location 204 are arranged for each product that matches the search conditions. Since a link to the product detail page is embedded in the product image 201 and the product name 202, by selecting the product image 201 or the product name 202, the product detail page is acquired from the payment server 1 and the PC 21 Can be displayed on the screen. A list box 200 for sorting the search results is arranged on the product search result page. In the list box 200, the items are searched in the order of popularity (in order of popularity ranking surveyed for products), lowest (lowest price), highest (highest price), and closest (registered place of seller). It is possible to select either of the order in which the remittance distance from the user's registered place is closer). When the list box 200 is operated, the PC 21 can obtain the search result page in which the search results are sorted according to the selected condition from the payment server 1 and display the page on the screen of the PC 21.

FIG. 7B is an example of a sales user search result page generated by the payment server 1 and displayed by the browser of the PC 21 when the user search request is transmitted from the PC 21. On the sales user search result page, for each sales user who matches the search conditions, the sales user's business office image 301, the sales user's name 302, the sales user's registered address 303, and the sales user's advertising copy 304 are placed. It Since the sales user's business office image 301 and the name 302 are embedded with a link to the user page where the sales user can list the products registered in the virtual store, the sales user's business office image 301 or the name 302 is displayed. By selecting, the user details page can be acquired from the payment server 1 and displayed on the screen of the PC 21.

FIG. 8A is an example of a user detail page generated by the payment server 1 and displayed by the browser of the PC 21. On the user details page, user information 400, business office image 401, and handling product information 403 are displayed based on the user information 112. The handling product information 403 displayed on the user detail page can be extracted by the category 402 or sorted by the sorting condition 404. Since the link to the product detail page is embedded in the characters and images of the handled product information 403, by selecting the characters and image of the handled product information 403, the product detail page is acquired from the settlement server 1 and the PC 21 Can be displayed on the screen.

FIG. 8B is an example of a product detail page generated by the payment server 1 and displayed by the browser of the PC 21. In the product detail page, in addition to the product image 500 displayed based on the product information 111, product name 501, manufacturer name, price 502, inventory information, shipping schedule, and a list for setting the number of orders. A box 503 and a "add to cart" icon 504 are displayed. By selecting the "add to cart" icon 504, the product information, the identification information of the user who sells the product, and the number of orders are transmitted to the settlement server 1 as transaction information (S103a). The transaction information includes the identification information of the user who is trying to place an order, the price of each product, the identification information of the user who sells the product, and the number of orders. The payment server 1 stores the transaction information thus transmitted for a predetermined period for each user.

The user obtains the quotation page from the payment server 1 and displays it on the screen of the PC 21 by selecting the "View cart" icon 205 arranged on each of the product detail page, product search page, and user search page. You can When the user selects the "view cart" icon 205, the PC 21 sends a quotation request including the identification information of the user who wants to place an order to the settlement server 1 (S103b).

When the quotation request is received, the settlement server 1 derives a remittance distance for each product based on the transaction information received and stored from the PC 21 (S300), and makes a settlement for each product based on the remittance distance, the product price, and the number of orders. The fee is derived (S302), an estimate page is generated and transmitted to the PC 21 (S304b). Specifically, it is as follows. First, the payment server 1 acquires the registration place of the user who is going to make an order from the user information, based on the identification information of the user who is going to make an order. The settlement server 1 also calculates a subtotal for the product based on the price and the number of orders. Next, the payment server 1 acquires the registration place of the user who sells the product from the user information based on the identification information of the user who sells the product. Next, the settlement server 1 sends the registered locations of the user who sells the product and the user who wants to place an order to the external server, causes the external server to calculate the distance between the registered locations, and obtains the distance between the registered locations from the external server. To do. Subsequently, the settlement server 1 determines which remittance distance category the distance between registered locations belongs to, and acquires the settlement fee rate from the table based on the determined remittance distance category. Subsequently, the settlement server 1 multiplies the subtotal by the settlement fee rate to calculate the settlement fee for each product. Finally, the payment server calculates the total of the subtotals of each product and the total of the payment fees of each product, and generates an estimate page describing the total amount.

FIG. 9 is an example of an estimation page generated by the payment server 1 and displayed by the browser of the PC 21. The quotation page displays the product information 600 received by the payment server 1 as transaction information, the number of orders 601, the payment amount 602, the “Continue shopping” icon 603, and the “Confirm order” icon 604. The order number 601 can also be set on the quotation page. When the order number 601 is changed, the settlement server 1 generates a quotation page based on the changed transaction information and displays it on the screen of the PC 21. When the “Continue shopping” icon 603 is selected, the page displayed immediately before is displayed on the screen of the PC 21. When the "confirm order" icon 604 is selected, the PC 21 sends a payment instruction to the payment server 1 (S104). The payment instruction includes identification information of the ordering user.

Upon receiving the payment instruction, the payment server 1 executes the payment processing similar to the face-to-face payment for each product based on the transaction information corresponding to the payment instruction (S306). That is, the charging means 15 and the deposit management means 16 of the settlement server 1 register a transaction record and a deposit record for each product.

The communication between the settlement server 1 and the PC 21 in the above settlement process is associated with the transaction identification information that uniquely identifies the settlement process.

4. Periodic Settlement Next, a periodic settlement process executed by the settlement server 1 on a predetermined interval, such as the end of the month or the 15th of every month, will be described. The regular settlement process is a process of periodically depositing a deposit fee for a user's deposit. The deposit fee is a cost required to carry over the deposit for a certain period of time at a predetermined rate for the deposit. In this embodiment, if the user carries over the deposit for one day, the user bears a deposit fee equivalent to 0.02% of the deposit balance.

Specifically, first, the charging means 15 of the payment server 1 determines the target period for the periodic payment, and acquires the final deposit balance on each day (target date) of the target period from the deposit history 114 for each user. When the deposit balance on the target date (n) (n is an integer) is represented by f(n) and the deposit fee is represented by g(n), the deposit fee on each target date is calculated by the following equations (1) and (2). ..
When f(n)≧f(n−1): g(n)=f(n−1)×0.0002
When f(n)<f(n-1): g(n)=f(n)×0.0002

That is, the deposit fee for each target day is 0.02% of the carry-over amount, which is the smaller amount of the deposit balance on the target day and the day before that. For example, a user's deposit fee for June 2015, which has the deposit history shown in FIG. 2B, for each day of June 2015 is calculated as shown in FIG.

Subsequently, the charging means 15 of the settlement server 1 calculates the deposit fee for the target period by summing the deposit fees calculated for each day of the target period for each user.

Then, the charging means of the settlement server 1 charges the deposit fee for the target period in fiat currency for each user. Although the legal currency conversion rate for F is set to 1 in the present embodiment, it may not be 1. In the billing process, an invoice may be sent to each user using e-mail, or a deposit fee invoice may be printed and mailed to each user. Alternatively, the deposit fee may be charged in F. When the deposit fee is settled in F, the recipient is the operator of the electronic settlement system and the transaction history and the deposit history of each user are updated with the settlement amount as the deposit fee, like the settlement fee.

5. Other Embodiments It is needless to say that the present invention is not limited to the above-described embodiments and can be implemented in various forms. For example, the present invention can also be applied to remittance that does not directly involve the purchase and sale of goods and services, such as batch payment processing of accounts payable and payment of donations. Further, for example, the settlement fee may be charged to both the payer and the payee, or may be charged only to the payee. The present invention may be used for settlement of purchases and sales using legal tender. The settlement fee may be the sum of the amount that increases according to the remittance distance and the amount that does not correlate with the remittance distance. The form of billing is not limited to collection from deposits, but may be billing processing for payment.

DESCRIPTION OF SYMBOLS 1... Payment server, 11... External storage, 14... Payment fee derivation means, 15... Charging means, 16... Deposit management means, 17... Communication means, 21-25... Payment terminal

Claims (4)

User information storage means for storing the identification information of the user who can be the payer or the payee and the registered place in association with each other,
Identification information acquisition means for acquiring identification information of the payer and the payee,
The registration place of the payer and the payee is acquired from the user information storage means based on the identification information of the payer and the payee, and is the distance between the payee's registration place and the payee's registration place. A settlement fee deriving means for deriving a settlement fee according to the transfer distance and the transaction amount ,
Charging means for charging the settlement fee,
An electronic payment system equipped with. The charging means charges the payer at least a portion of the settlement fee;
The electronic payment system according to claim 1. Further comprising deposit management means for updating deposit balances of a plurality of users who become the payer or the payee according to a settlement amount,
The charging means charges a deposit fee according to the deposit balance and the deposit period,
The electronic payment system according to claim 1. A user information storing step of storing the identification information of the user who can be the payer or the payee and the registered place in the storage means in association with each other;
An identification information acquisition step in which a server acquires identification information of the payer and the payee;
The server obtains the registration places of the payer and the payee from the storage means based on the identification information of the payer and the payee, and the server obtains the registration place of the payer and the registration place of the payee. A remittance distance deriving step in which the server derives a remittance distance,
A settlement fee derivation step in which the server derives a settlement fee according to the remittance distance and the transaction amount ,
A charging step in which the server charges the settlement fee;
Electronic payment methods including.

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