JP6735520B2 - Payment support device, payment support system, payment support method, and payment support program - Google Patents

Description

The present invention relates to a payment support technology that supports credit card payment.

In recent years, online shopping, which browses online shopping sites (online shopping sites) via networks and purchases products, has been increasing. Therefore, various technologies related to online shopping have been developed. For example, Patent Document 1 discloses a technique for reducing the risk of disclosing user attributes by separating the purchase process and the delivery process of products in online shopping and disclosing the user attributes in the minimum necessary range in each process. Have been described.

JP 2012-103824 JP

When an online store that operates an online shopping site holds personal information such as the user's address and payment information, there is a risk of leakage of personal information, and a credit card company requires a PCI DSS (Payment Card Industry Data Security Standard) from member stores. There is a heavy burden on the server side of the online store, such as the above.

Moreover, even if there is a product that the user wants to purchase, the user who purchases the product may not want to send the product even though he/she pays for the product, even if he/she does not know the personal information. In some cases, hesitates to purchase products due to the risk of being fraudulent.

The present invention has been made in view of the above circumstances, and an object of the present invention is to reduce the risk of personal information leakage without disclosing personal information of a user who purchases a product to an online store when online shopping is performed. To do.

In order to solve the above-mentioned problems, the present invention is a payment support device, wherein a receiving unit that receives a purchase price of a product selected by a user at a store device that sells the product, and the purchase price by the credit card of the user. A credit request to the payment device to determine whether payment is possible and a credit request unit that obtains a credit result, and a notification that notifies the store device that the product purchase process has been completed when the credit result can be settled. And a sales processing unit that transmits a payment instruction with the credit card to the payment apparatus when the product has already been delivered to the user by the distribution company.

The present invention is a payment support system including a payment support device and a physical distribution device, wherein the payment support device includes a receiving unit that receives a purchase price of a product selected by a user at a store device that sells the product, and the user. A credit requesting unit that sends a credit request to the settlement device to determine whether or not the purchase amount can be settled with the credit card, and a delivery ID generated by the distribution device when the credit result can be settled. A notification unit for notifying the store device, and a sales processing unit for transmitting a payment instruction with the credit card to the payment device when the product has already been delivered to the user by the logistics company. The physical distribution device includes a generation unit that generates a delivery ID of the product in response to a request from the payment support device, and a delivery status storage unit that stores the delivery status of the product for each delivery ID.

The present invention is a payment support method performed by a payment support apparatus, comprising a receiving step of receiving a purchase price of a product selected by a user at a store device that sells the product, and the purchase price can be settled by the credit card of the user. A credit request step for transmitting a credit request to the settlement device to obtain a credit result, and a notification step for notifying the store device that the product purchase processing has been completed when the credit result can be settled, When the product has already been delivered to the user by the distribution business, a sales processing step of transmitting a payment instruction with the credit card to the payment device is performed.

The present invention is a payment support method performed by a payment support system including a payment support device and a physical distribution device, wherein the payment support device receives a purchase price of a product selected by a user at a store device that sells the product. And a credit request step of transmitting a credit request to the settlement apparatus to determine whether or not the purchase amount can be settled by the user's credit card, and obtaining a credit result; and the physical distribution apparatus if the credit result can be settled. And a notification step of notifying the store device of the generated delivery ID, and a sales process of transmitting a settlement instruction with the credit card to the settlement device when the product has already been delivered to the user by the distribution company. The distribution device performs a step of generating a delivery ID of the product in response to a request from the payment support device, and a delivery status of a delivery status storage unit according to a delivery status of the product. And a delivery management step for updating.

The present invention is a payment support program executed by a payment support device, wherein the payment support device receives a purchase price of a product selected by a user at a store device that sells products, the credit card of the user. A credit request step of transmitting a credit request to the settlement device as to whether or not the purchase amount can be settled, and obtaining a credit result; if the credit result is settled, the store device is informed that the product purchase process has been completed. And a sales processing step of transmitting a payment instruction with the credit card to the payment device when the product has been delivered to the user by the logistics company.

According to the present invention, it is possible to reduce the risk of leakage of personal information without disclosing personal information of a user who purchases a product to an online store when online shopping is performed.

1 is an overall configuration diagram of a payment support system to which an embodiment of the present invention is applied. It is a block diagram which shows the function structure of an online shop server. It is a block diagram which shows the functional structure of a payment support server. It is a block diagram which shows the function structure of a physical distribution server. It is a figure for demonstrating the whole process in this embodiment. It is a sequence diagram which shows goods purchase processing. It is a figure which shows an example of the screen transition of a user terminal in goods purchase processing. It is a figure which shows an example of a payment information storage part. It is a sequence diagram which shows a sales process.

Hereinafter, embodiments of the present invention will be described.

FIG. 1 is an overall configuration diagram of a system to which an embodiment of the present invention is applied. The illustrated system is managed by a user terminal 1 used by a user, an online store server 2 that provides an online shopping site, a payment support server 3 that is managed by a payment service provider, and a logistics company that delivers products. The distribution server 4 and the payment server 5 managed by a credit card company are provided. The logistics company may be a payment service provider. That is, it may be considered that the settlement service provider manages and operates the distribution server 4 to deliver the product.

The user terminal 1 is connected to the online store server 2 and the payment support server 3 via a network such as the Internet. As the user terminal 1, for example, a PC, a smartphone, a tablet terminal, a mobile phone or the like can be used. It is assumed that the user of the present embodiment is a user who can use the payment service provided by the payment support server 3 and has registered his own information in the payment support server 3 in advance.

FIG. 2 is a block diagram showing a functional configuration of the online store server 2. The illustrated online shop server 2 includes a shopping site providing unit 21, a delivery label output unit 22, a payment status acquisition unit 23, a product information storage unit 24, and a sales information storage unit 25.

The shopping site providing unit 21 performs various processes for selling a product via the network. For example, the shopping site providing unit 21 provides the user terminal 1 with product information of various products registered in the product information storage unit 24, and receives a purchase instruction for the product selected by the user terminal. The delivery label output unit 22 outputs the delivery ID notified from the payment support server 3 or a predetermined code indicating the delivery ID as a delivery label of the product. The payment status acquisition unit 23 accepts an instruction from a seller of an online store and requests the payment support server 3 for the payment status of the product sold to the user. The product information storage unit 24 stores product information of products sold by online stores. The sales information storage unit 25 stores information on the sold products (product name, number of products, delivery ID, settlement status, etc.).

FIG. 3 is a block diagram showing a functional configuration of the payment support server 3. The illustrated payment support server 3 includes a payment request receiving unit 31, a credit requesting unit 32, a delivery ID notifying unit 33, a sales processing unit 34, an information providing unit 35, a user information storage unit 36, and payment information storage. And a section 37.

The payment request receiving unit 31 receives the purchase price of the product selected by the user on the online store server 2 and authenticates the user of the user. The credit request unit 32 transmits a credit request (authorization request) as to whether or not the purchase amount can be settled with the user's credit card to the payment server 5 of the credit card company, and acquires the credit result.

When the credit result can be settled, the delivery ID notification unit 33 notifies the online store server 2 that the product purchase process has been completed. The product completion notification includes the product delivery ID. When the product has been delivered to the user, the sales processing unit 34 transmits a settlement instruction with the user's credit card to the settlement server 5. The information providing unit 35 provides the online store server 2 with the payment status of the sold products. Further, the information providing unit 35 provides the distribution server 4 with the delivery address of the product. The user information storage unit 36 stores personal information such as the address, name, and credit card number of each user. The payment information storage unit 37 stores information related to payment of products, such as product information, purchase amount, online store information, and delivery ID, which the payment request receiving unit 31 has received.

FIG. 4 is a block diagram showing the functional configuration of the physical distribution server 4. The illustrated physical distribution server 4 includes a delivery ID generation unit 41, a delivery management unit 42, a delivery destination acquisition unit 43, and a delivery status storage unit 44. The delivery ID generation unit 41 generates a delivery ID in response to a request from the payment support server 3. The delivery management unit 42 updates the delivery status of the delivery status storage unit 44 according to the delivery status of the product. The delivery destination acquisition unit 43 acquires the delivery address of the product from the payment support server 3. The delivery status storage unit 44 stores the delivery status (delivery status) of the product for each delivery ID.

The online store server 2, the payment support server 3, the physical distribution server 4, and the payment server 5 described above use, for example, a general-purpose computer system including a CPU, a memory, and an external storage device such as an HDD. be able to. In this computer system, each function of each device is realized by the CPU executing a predetermined program loaded on the memory. For example, for the functions of the online store server 2, the payment support server 3, the physical distribution server 4, and the payment server 5, in the case of a program for the online store server 2, the CPU of the online store server 2 uses the CPU for the payment support server 3. The CPU of the settlement support server 3 in the case of a program, the CPU of the logistics server 4 in the case of a program for the distribution server 4, and the CPU of the settlement server 5 in the case of a program for the payment server 5, respectively. It is realized by.

Further, the program for the online store server 2, the program for the payment support server 3, the program for the physical distribution server 4, and the program for the payment server 5 include a hard disk, flexible disk, CD-ROM, MO, DVD-ROM, etc. Can be stored in a computer-readable recording medium or can be distributed via a network.

Next, the processing of this embodiment will be described.

FIG. 5 is a diagram for explaining the overall processing in this embodiment.

In this embodiment, it is divided into a product purchase process (S11 to S19), a product delivery process (S21 to S23), and a sales process (S31 to S34).

<Product purchase processing (S11 to S19)>
The user uses the user terminal 1 to access the online shopping site provided by the online store server 2 and selects a product to purchase (S11). After that, when the user inputs a payment instruction to the user terminal 1, the user terminal 1 sends a payment request for the selected product to the payment support server 3 by redirecting or the like.

When the payment support server 3 receives the payment request (S12), the payment support server 3 requests authentication information from the user terminal 1 and performs user authentication (S13). If the user authentication is successful, the payment support server 3 transmits a credit request (authorization request) to the payment server 5 (S14). The credit request includes the purchase amount included in the settlement request and the credit cart number corresponding to the user ID included in the authentication information.

Upon receiving the credit request, the settlement server 5 performs a credit process to determine whether the purchase amount can be settled with the credit card with the credit card number (S15), and sends the credit result to the settlement support server 3. When the settlement support server 3 receives the credit result indicating that the settlement is possible, the settlement support server 3 requests the distribution server 4 for the delivery ID (S16). Thereby, the physical distribution server 4 generates a delivery ID and sends it to the settlement support server 3 (S17). The payment support server 3 notifies the online delivery server 2 of the acquired delivery ID (S18). The online shop server 2 stores the delivery ID in the sales information storage unit 25 and notifies the user terminal 1 that the purchase process of the product is completed (S19).

FIG. 6 is a sequence diagram showing details of the product purchase process (S11 to S19) of FIG.

The user accesses the online shopping site of the online store server 2 using the user terminal 1, inputs an operation for purchasing a desired product into the user terminal 1, and selects the product to be purchased. The user terminal 1 receives an operation instruction from the user and sends a purchase request for the product selected by the user to the online store server 2 (S51). Upon receiving the purchase request from the user terminal 1, the shopping site providing unit 21 of the online shop server 2 generates a product selection screen and sends it to the user terminal 1 (S52).

FIG. 7A is a diagram showing an example of a product selection screen displayed on the display of the user terminal 1. The product, the quantity, the amount of money, etc. selected by the user are set in the product selection screen shown in the figure. The user looks at the product selection screen and confirms that the intended product is selected, and then clicks the “payment” button. The user terminal 1 receives the user's instruction and transmits a payment request to the payment support server 3 by redirect or the like (S53). The payment request includes product information, purchase amount, online store information (for example, online store ID), and the like. The online store information is set or embedded in the product selection screen.

Upon receiving the payment request from the user terminal 1, the payment request receiving unit 31 of the payment support server 3 transmits a user authentication screen to the user terminal 1 and requests the user for authentication information (S54).

FIG. 7B is a diagram showing an example of a user authentication screen displayed on the display of the user terminal 1. The user terminal 1 transmits the authentication information (user ID, password in the illustrated example) input by the user to the payment support server 3 (S55).

The payment request receiving unit 31 of the payment support server 3 authenticates the authentication information transmitted by referring to the user information storage unit 36. For example, the payment request receiving unit 31 determines that the authentication is successful when the set of the transmitted user ID and password is registered in the user information storage unit 36. If the authentication is successful, the payment request receiving unit 31 transmits a payment confirmation screen to the user terminal 1 and requests the user to confirm the payment details (S56).

FIG. 7C is a diagram showing an example of the payment confirmation screen displayed on the display of the user terminal 1. The payment confirmation screen shown in the figure displays the product name, number of products, purchase amount, credit card number, and the like. The payment request receiving unit 31 uses the information included in the payment request received in S53 and the credit card number corresponding to the user ID stored in the user information storage unit 36 to generate a payment confirmation screen. The credit card number may be set to a part of the number (lower n digits, etc.) in consideration of security.

After confirming the payment confirmation screen, the user clicks the "execute payment" button. The user terminal 1 receives the user's instruction and sends a payment execution request to the payment support server 3 (S57).

Upon receiving the payment execution request, the credit request unit 32 of the payment support server 3 transmits a credit request (authorization request) to the payment server 5 (S58). The credit request makes an inquiry to the payment server 5 as to whether the credit card of the user can be used for payment. In the present embodiment, the credit requesting unit 32 generates a payment ID and includes the payment ID, the credit card number of the user ID stored in the user information storage unit 36, and the purchase amount of the product as the credit amount. The credit request is transmitted to the settlement server 5. The payment ID is identification information for identifying the payment process. The settlement server 5 performs a credit process to determine whether or not the purchase amount of the product can be settled by the credit card specified in the credit request by checking the credit line, and sends the credit result to the settlement support server 3. Yes (S59).

If the credit result is OK, the delivery ID notification unit 33 of the payment support server 3 requests the distribution server 4 to issue a delivery ID (S60). The delivery ID generation unit 41 of the physical distribution server 4 receives the request from the settlement support server 3 to generate a delivery ID, and registers the delivery ID in the delivery status storage unit 44 (S61). The delivery status storage unit 44 stores the delivery status (for example, uncollected, collected, and delivered) of the product purchased by the user for each delivery ID. Here, the delivery ID generation unit 41 of the distribution server 4 registers the issued delivery ID and, for example, “uncollected” as the delivery status in the initial state in the delivery status storage unit 44. Then, the delivery ID generation unit 41 transmits the generated delivery ID to the settlement support server 3 (S62). Upon receiving the delivery ID, the delivery ID notification unit 33 of the settlement support server 3 registers the settlement information in the settlement information storage unit 37 (S63).

FIG. 8 is a diagram showing an example of the payment information storage unit 37. In the illustrated payment information storage unit 37, for each payment ID, a user ID, online store information, product information of the purchased product (product name, number of products, etc.), purchase amount, delivery ID, and user's credit. The card number and the payment flag are stored in association with each other. The payment flag is a flag indicating whether or not the payment processing by the payment server 5 has been completed.

Then, the delivery ID notification unit 33 of the payment support server 3 notifies the online store server 2 of the delivery ID (S64). In the present embodiment, the delivery ID notification unit 33 converts the delivery ID into a predetermined code and transmits the code together with the delivery ID to the online store server 2, but notifies the online store server 2 of the delivery ID only. It may be done. As the predetermined code, for example, a one-dimensional bar code, a two-dimensional bar code (QR code (registered trademark)) or other bar code may be used. The bar code indicating the delivery ID is used as a delivery label used when delivering the product.

The shopping site providing unit 21 of the online store server 2 registers the received delivery ID and barcode in the sales information storage unit 25 in association with the identification information of the user who purchased the product and the product information of the purchased product (S65). ). Further, at this time, the shopping site providing unit 21 sets “unsettled” in the settlement status and registers it in the sales information storage unit 25. Then, the shopping site providing unit 21 transmits a purchase completion screen to the user terminal 1 to notify the user that the product purchase has been completed (S66).

FIG. 7D is a diagram showing an example of a purchase completion screen displayed on the display of the user terminal 1. This allows the user to know that the purchase of the product has been completed. In this embodiment, the payment processing by the payment server 5 is not yet performed at this point.

<Merchandise delivery processing (S21 to S23)>
Returning to FIG. 5, the product delivery process will be described below.

In the online store 2, the seller packs the product purchased by the user in S11. At that time, the seller inputs into the online store server 2 a print instruction of the delivery ID notified from the settlement support server 3 in S18. The delivery label output unit 22 of the online store server 2 receives the print instruction and outputs the barcode (or delivery ID) indicating the delivery ID of the product to the printer (S21). Then, the seller attaches the output barcode to the packed product, and associates the product with the delivery ID.

The distribution company collects the product with the barcode added from the seller (S22). At that time, the distribution business operator reads the bar code by using the bar code reader and inputs to the bar code reader that the product having the delivery ID indicated by the bar code has been collected. The bar code reader converts the read bar code into a delivery ID and transmits a pickup notice including the delivery ID to the distribution server 4. Upon receipt of the pickup notice, the delivery management unit 42 of the distribution server 4 updates the delivery status of the delivery ID stored in the delivery status storage unit 44 to “collected”.

Then, the distribution company delivers the product collected from the seller to the user who is the purchaser of the product (S23). Before delivery, the distribution business operator reads the bar code attached to the product by using the bar code reader, and inputs a request for acquiring the delivery address of the product having the delivery ID indicated by the bar code into the bar code reader. .. The bar code reader converts the read bar code into a delivery ID, and transmits a delivery address acquisition request including the delivery ID to the distribution server 4. The delivery destination acquisition unit 43 of the physical distribution server 4 transmits a delivery destination request including the delivery ID to the settlement support server 3. The information providing unit 35 of the payment support server 3 acquires the user ID corresponding to the delivery ID from the payment information storage unit 37, and uses the address and name corresponding to the acquired user ID as the delivery address from the user information storage unit 36. It is acquired and transmitted to the distribution server 4. Upon receiving the delivery address, the physical distribution server 4 converts the delivery address into a barcode and outputs the barcode to a printer. The logistics company attaches a bar code indicating the delivery address to the product.

When delivering a product, the logistics company reads the barcode attached to the product using a barcode reader and delivers the product to the delivery destination indicated by the barcode. After the delivery, the distribution company reads the barcode indicating the delivery ID by using the barcode reader, and inputs to the barcode reader that the product having the delivery ID indicated by the barcode is delivered to the user. The barcode reader converts the read barcode into a delivery ID and sends a delivery notification including the delivery ID to the physical distribution server 4. Upon receipt of the delivery notification, the delivery management unit 42 of the physical distribution server 4 updates the delivery status of the delivery ID stored in the delivery status storage unit 44 to “delivered”.

In the product delivery process described above, only the delivery ID of the product is notified to the seller who operates the online store server 2, and no personal information such as the user's address and credit card number is notified. As a result, it is possible to avoid the risk that the personal information of the user who purchased the product from the online store is leaked, and the user can purchase the product with peace of mind even at an unknown internet store.

Further, in the present embodiment, the logistics company undertakes the collection and delivery of the product without notifying the online store side of the delivery destination of the product, and therefore the online store cannot carry out the fraud. Therefore, the user has a sense of security that the product purchased at the online store will surely arrive.

Further, in the present embodiment, since only the barcode indicating the delivery ID is attached to the product packed at the online store side and the product is delivered by the distribution company, anonymous delivery is possible. Further, the distribution business operator collects and delivers the products by using the barcode indicating the delivery ID and the barcode indicating the delivery destination. That is, since personal information such as the user's address and name is not directly written in the packed product, the user should discard the cardboard without discarding the personal information from the cardboard in which the product was packed. You can

<Sales processing (S31 to S34)>
The sales process will be described below with reference to FIG.

The sales processing unit 34 of the payment support server 3 acquires the delivery ID of the product for which payment has not been completed by referring to the payment information storage unit 37, and the delivery status of the delivery ID is delivered status storage unit 44 of the distribution server 4. (S31). Then, the sales processing unit 34 performs sales processing for the delivery ID whose delivery status is "delivered" (S32). That is, the sales processing unit 34 transmits a settlement request including the credit card number corresponding to the delivery ID, the purchase amount, and the online store information to the settlement server 5, and when receiving the settlement completion notification from the settlement server 5, the settlement information storage unit. The payment flag for the delivery ID of 37 is updated to "paid".

When the settlement server 5 receives the settlement request from the settlement support server 3, the settlement server 5 deposits the purchase amount minus the commission into the bank account of the online store, and purchases the purchase amount from the bank account of the credit card number on a predetermined billing date. A payment process for withdrawing is performed (S33).

The online store seller confirms the settlement status (payment status) of the sold product with the settlement support server 3 at an arbitrary timing (S34). Specifically, the online shop server 2 transmits a payment confirmation request including the delivery ID input by the seller to the payment support server 3 (S34). The information providing unit 35 of the payment support server 3 refers to the payment information storage unit 37 and transmits the payment flag (“paid” or “unpaid”) of the delivery ID specified in the payment confirmation request to the online store server 2. To do.

FIG. 9 is a sequence diagram showing in detail the sales process (S31 to S34) of FIG.

The sales processing unit 34 of the payment support server 3 refers to the payment flag of the payment information storage unit 37 at a predetermined timing (for example, once/day) to acquire a delivery ID for which payment has not been completed (S71). .. Then, the sales processing unit 34 acquires the delivery status of each acquired delivery ID from the delivery status storage unit 44 of the distribution server 4 (S72). For example, the sales processing unit 34 uses the scrape technology or the like to access the delivery status storage unit 44 of the physical distribution server 4 to extract the delivery status of each delivery ID.

Then, the sales processing unit 34 extracts the delivery ID of “delivered” in the obtained delivery status (S73), and sends a settlement request for the product of each extracted delivery ID to the settlement server 5 (S74). .. That is, the sales processing unit 34 acquires, for each of the extracted delivery IDs, the corresponding credit card number, purchase amount, account number of the payment destination online store, and payment ID from the payment information storage unit 37. The payment request including the payment request is transmitted to the payment server 5.

It should be noted that the payment support server 3 holds information (Internet store ID, account number, address, etc.) about each online store in an online store information storage unit (not shown), and the online store stored in the payment information storage unit 37. It is assumed that the account number of the corresponding online store is acquired from the online store information storage unit using the information (Internet store ID).

Upon receipt of the payment request, the payment server 5 deposits the purchase amount less the commission into the bank account of the online store, and deducts the purchase amount from the bank account of the credit card number on a predetermined billing date. Perform (S75). Then, the payment server 5 transmits a payment completion notification to the payment support server 3 (S76). Upon receiving the settlement completion notification from the settlement server 5, the sales processing unit 34 of the settlement support server 3 updates the settlement flag corresponding to each delivery ID extracted in S73 of the settlement information storage unit 37 to “settled” (S77). ).

The retailer of the online store accesses the sales information storage unit 25 of the online store server 2 at a desired timing and confirms the settlement status of the delivery ID that has not been settled. That is, the payment status acquisition unit 23 of the online store server 2 transmits a payment confirmation request including the delivery ID input by the seller to the payment support server 3 (S78). The information providing unit 35 of the payment support server 3 refers to the payment information storage unit 37 and indicates the status (“settled” or “unsettled”) set in the payment flag of the delivery ID specified in the payment confirmation request via the net. It is transmitted to the store server 2 (S78).
In addition, "payment completed" indicates that the price of the product sold to the bank account of the online store server 2 has been deposited, and "unsettled" indicates that the price of the product sold to the bank account of the online store server 2 has not been deposited. Indicates that it has not been done.

Then, the payment status acquisition unit 23 of the online store server 2 displays the acquired payment status (“settled” or “unsettled”) on the display, presents it to the seller, and confirms the payment status of the specified delivery ID. In the case of “settled”, the settlement status of the sales information storage unit 25 is updated from “unsettled” to “settled”.

In the sales process described with reference to FIGS. 5 and 9, since the sales (settlement) of the product is completed after the product is delivered by the logistics company, the product does not arrive even though the product price has been deducted from the account. Can be avoided. In addition, for a user, although it is a credit card payment for online shopping, the user can purchase the product as if he or she paid it afterwards or as cash on delivery (cash on delivery).

In the payment support apparatus according to the present embodiment described above, the online store server 2 receives the purchase amount of the product selected by the user and the like, and the payment server issues a credit request as to whether or not the purchase amount can be settled by the user's credit card. 5, the credit result is acquired, and when the credit result can be settled, the online shop server 2 is notified that the product purchase process is completed. Then, the payment support server 3 transmits a payment instruction with a credit card to the payment server 5 when the product has been delivered to the user by the logistics company.

As a result, in this embodiment, when online shopping is performed, the risk of leakage of personal information can be reduced without disclosing the personal information of the user who purchased the product to the online store. As a result, the user can purchase the product at ease even at an unfamiliar online store.

Further, since the goods are settled after the goods are delivered by the distribution business, it is possible to prevent the goods from not being delivered even though the goods price has been deducted from the account. Therefore, it is possible to purchase the product as if it were postpaid or cash on delivery.

Further, in the present embodiment, since the logistics company undertakes the collection and delivery of the product without notifying the online store side of the delivery destination of the product, the online store cannot carry out fraud. Therefore, the user has a sense of security that the product purchased at the online store will surely arrive.

In addition, in the present embodiment, since only the barcode indicating the delivery ID is attached to the product packaged at the online store side and the product is delivered by the distribution company, anonymous delivery is possible. Further, the distribution company collects and delivers the products by using the barcode indicating the delivery ID and the barcode indicating the delivery destination. That is, since the user's address and name are not directly written in the packed product, the user can discard the cardboard without discarding personal information from the cardboard in which the product was packaged.

It should be noted that the present invention is not limited to the above embodiment, and various modifications can be made within the scope of the gist thereof. For example, the payment support server 3 of the above embodiment may be shared by a plurality of online shop servers 2. That is, the payment support server 3 may be an ASP (Application Service Provider) and may provide a payment service to a plurality of online store servers 2.

1: User terminal 2: Online store server 21: Shopping site providing unit 22: Delivery label output unit 23: Payment status acquisition unit 24: Product information storage unit 25: Sales information storage unit 3: Payment support server 31: Payment request reception unit 32: Credit requesting unit 33: Delivery ID notifying unit 34: Sales processing unit 35: Information providing unit 36: User information storage unit 37: Payment information storage unit 4: Logistics server 41: Delivery ID generation unit 42: Delivery management unit 43: Delivery destination acquisition unit 44: Delivery status storage unit

Claims (3)

A payment support method performed by a payment support system including a payment support device, a store device, and a physical distribution device,
The payment support device receives a payment request for the selected product transmitted from the user terminal, and transmits a credit request to the payment device.
The settlement support apparatus receives a credit result from the settlement apparatus and requests a delivery ID from the physical distribution apparatus;
The payment support device receives the delivery ID from the physical distribution device and transmits the delivery ID to the store device;
The store apparatus receives a print instruction of the delivery ID notified from the payment support apparatus, and outputs a barcode indicating the delivery ID of the product or the delivery ID to the printer,
The distribution device receives the delivery ID converted from the bar code indicating the delivery ID attached to the product collected by the distribution company or the delivery ID attached to the product as a collection notice, and displays the delivery status of the delivery ID. The step of "has been collected",
The physical distribution device transmits a request for acquiring the delivery address of the product with the delivery ID to the payment support device;
The payment support apparatus transmits a delivery address corresponding to a request for acquisition of a delivery address from the physical distribution apparatus to the physical distribution apparatus;
The physical distribution device converts the delivery address received from the payment support device into a barcode and outputs the barcode to a printer;
The physical distribution device receives a delivery notification including a delivery ID after delivery, and sets the delivery status of the delivery ID to "delivered";
The payment support apparatus acquires a delivery status from the physical distribution apparatus, and sends a payment request corresponding to the delivery ID to the payment apparatus for a delivery ID with a delivery status of “delivered”;
The payment assisting device sets a payment flag for a delivery ID to "paid" when receiving a payment completion notification from the payment device. A payment support system comprising a payment support device, a store device, and a physical distribution device,
The payment support device,
A unit that receives a payment request for the selected product transmitted from the user terminal and transmits a credit request to the payment device;
A unit for receiving a credit result from the payment device and requesting a delivery ID from the physical distribution device;
A unit for receiving the delivery ID from the physical distribution device and transmitting the delivery ID to the store device,
The store device is
The store apparatus includes a unit that receives a print instruction of the delivery ID notified from the payment support apparatus and outputs a barcode indicating the delivery ID of the product or the delivery ID to a printer,
The physical distribution device is
The distribution company receives the delivery ID converted from the bar code indicating the delivery ID attached to the product collected by the logistics company or the delivery ID attached to the product as a pickup notification, and sets the delivery status of the delivery ID to "collected". Part to
A unit for transmitting a request for acquiring the delivery address of the product with the delivery ID to the payment support device,
The payment support device,
Further including a unit for transmitting a delivery address corresponding to the acquisition request of the delivery address from the physical distribution device to the physical distribution device,
The physical distribution device is
A unit that converts the delivery address received from the payment support device into a barcode and outputs the barcode to a printer,
And further including a unit that receives a delivery notification including the delivery ID after delivery and sets the delivery status of the delivery ID to “delivered”,
The payment support device,
A unit that acquires the delivery status from the physical distribution device and sends a settlement request corresponding to the delivery ID to the settlement device for the delivery ID whose delivery status is "delivered";
A payment support system further comprising a unit that sets a payment flag for a delivery ID to “paid” when receiving a payment completion notification from the payment device. A payment support program executed by the payment support device,
In the payment support device,
Receiving a payment request for the selected product transmitted from the user terminal and transmitting a credit request to the payment device,
Receiving a credit result from the payment device and requesting a delivery ID from the physical distribution device;
Receiving a delivery ID from the physical distribution device and transmitting the delivery ID to the store device;
Transmitting a delivery address corresponding to the delivery address acquisition request from the logistics device to the logistics device;
Acquiring a delivery status from the physical distribution device and transmitting a settlement request corresponding to the delivery ID to the settlement device for the delivery ID whose delivery status is "delivered";
A payment support program for executing a step of setting a payment flag for a delivery ID to “paid” when receiving a payment completion notification from the payment device.

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