JP6850207B2 - Cashless cash on delivery payment method and cashless cash on delivery payment system - Google Patents

Description

The present invention relates to a cashless cash on delivery payment method and a cashless cash on delivery payment system. Specifically, the present invention is a technique that enables efficient and reliable cash on delivery payment procedures while avoiding an excessive load on related parties. Regarding.

The commercial practice of purchasing products at online shops has become widespread, and various payment methods have been provided accordingly. Cash on delivery payment is one of such payment methods. From the point of view of the purchaser of the product, there is a sense of security that the arrangement of payment funds can be postponed and payment is made after receiving the actual product, and it is especially strongly supported by those who are worried about using the credit card online. ing. In addition, overseas, cases such as poor quality of delivered products or non-delivery of products are likely to occur, and such a situation is a further reason why cash on delivery settlement is preferred.

Conventional techniques related to such cash on delivery payment include, for example, a computer of a delivery company having a communication function for managing information on a parcel delivered by cash on delivery or cash on delivery, and an input means and display installed in an apartment or the like. A parcel box equipped with means, memory, and a means for reading a bar code, an absentee card printed with the name of the delivery company posted by the delivery company in a mail box, etc. and the code attached to the parcel as a bar code, and a store or financial institution. The delivery box is provided with a payment device having a cash on delivery function and a communication function, and when the delivery company inputs the delivery destination room number and the code attached to the delivery package by the input means, the delivery destination room number Is displayed on the display means, the code attached to the delivery package and the payment on delivery end code are set in the memory as unlocking conditions, and the package is locked. The payment device uses the absence card by the package recipient. When the payment process is accepted, the communication function performs the payment process with the delivery company's computer and issues a receipt printed with a bar code indicating the code attached to the parcel and a bar code indicating that the payment has been paid. The delivery box is characterized in that when the bar code of the receipt is read by the bar code reading means, the delivery box is unlocked when the reading result matches the unlocking condition set in the memory. A system (see Patent Document 1) and the like have been proposed.

In addition, a user (1) who purchases a product using a mail-order system on the Internet registers personal information in the Internet mail-order center (2), and the Internet mail-order center (2) uses the registered information. An ID number and password for recognizing the person (1) are issued, and the user (1) uses the ID number and password issued by the Internet mail order center (2) at the Internet mail order company (3). , The Internet mail order company (3) purchases the product, and attaches the ID number of the user (1), the price details of the product, and the address of the delivery place (5) to the product, and the distribution company (4). The mail-order company (4) delivers the product to the delivery location (5), confirms that the ID numbers match to the user (1), and delivers the product to the user (1). , The distribution company (4) pays the product price to the Internet mail order center (2), and the Internet mail order center (2) pays the product price to the Internet mail order company (3). system. Consists of. A mail-order system (see Patent Document 2) characterized by the above has also been proposed.

Japanese Unexamined Patent Publication No. 2004-78630 Japanese Unexamined Patent Publication No. 2001-195454

However, there are still issues with cash on delivery settlement. For example, if the purchaser does not have the necessary cash at the time of arrival of the goods, that is, at the time of payment procedure, or if the purchaser has prepared the cash but the delivery person does not have the change. Even so, it will not be possible to complete the settlement on the spot. On the other side, there is also a problem that the delivery staff is burdened with not a small burden of cash handling such as transportation and scrutiny of cash collected from the purchaser.

It should be noted that there is a corresponding problem regarding advance settlement instead of the above-mentioned cash on delivery settlement. For example, when a purchaser makes a payment transfer via Internet banking (IB) based on the contents of a request from an online shop, even if the purchaser mistakenly specifies an account unrelated to the payment, the transfer is executed as it is. There is a problem that it ends up.
Therefore, an object of the present invention is to provide a technique that enables efficient and reliable cash-on-delivery settlement procedures while avoiding an excessive load on the parties concerned.

In the cashless cash-on-delivery payment method of the present invention that solves the above problems, each of the user terminal held by the orderer of the cash-on-delivery order and the deliveryman terminal held by the delivery person of the target product of the cash-on-delivery order delivers the target product. Upon receiving a predetermined radio signal transmitted from a predetermined device at a place, the payment request data relating to the cash on delivery order held by each is transmitted to the bank system, and the bank system indicates the matters indicated by the payment request data. Confirmation regarding the authenticity of the data held in advance by the Bank system regarding the cash on delivery order by the orderer and the payment request data received from each of the user terminal and the deliveryman terminal is executed. , for consistency between the billing data, perform check concerning agreement between the billing data received from each of the user terminals and the delivery person terminal, between the transmission time of the billing data respectively Regarding proximity, confirmation regarding matching or approximation between the transmission date and time indicated by the payment request data received from each of the user terminal and the delivery member terminal is performed, and if each of the confirmations is successful, the cash on delivery order is described. It is characterized in that a predetermined settlement process is executed based on the settlement fund previously entrusted by the orderer.

Further, the cashless cash-on-delivery payment system of the present invention manages the user terminal held by the orderer of the cash-on-delivery order, the deliveryman terminal held by the delivery person of the target product of the cash-on-delivery order, and the settlement fund of the cash-on-delivery order. A system including a banking system, wherein each of the user terminal and the delivery person terminal receives a predetermined radio signal transmitted from a predetermined device at the delivery location of the target product. The payment request data related to the cash-on-delivery order to be held is transmitted to the bank system, and the bank system holds the cash-on-delivery order by the orderer in advance with respect to the authenticity of the matters indicated by the payment request data. Confirmation regarding the match between the data being processed and the payment request data received from each of the user terminal and the delivery member terminal is executed, and the user terminal and the delivery member are checked for consistency between the payment request data. Performs a match check between the payment request data received from each of the terminals, and with respect to the proximity of each of the payment request data during the transmission time, the payment received from each of the user terminal and the deliveryman terminal. Confirmation regarding matching or approximation between the transmission dates and times indicated by the billing data is executed, and if each of the confirmations is successful, a predetermined settlement process is executed based on the settlement fund previously entrusted by the orderer for the cash-on-delivery order. It is characterized by being something to do.

According to the present invention, it is possible to carry out an efficient and reliable cash-on-delivery settlement procedure while avoiding an excessive load on the parties concerned.

It is a network block diagram in the cashless cash on delivery payment system of this embodiment. It is a figure which shows the hardware configuration example of the user terminal in this embodiment. It is a figure which shows the hardware configuration example of the delivery person terminal in this embodiment. It is a figure which shows the data structure example of the transaction management table of this embodiment. It is a figure which shows the data structure example of the payee master table of this embodiment. It is a figure which shows the data structure example of the detail table of this embodiment. It is a figure which shows the flow example 1 of the cashless cash on delivery settlement method in this embodiment. It is a figure which shows the flow example 2 of the cashless cash on delivery settlement method in this embodiment. It is a figure which shows the flow example 3 of the cashless cash on delivery settlement method in this embodiment.

--- Network configuration ---

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. FIG. 1 is a network configuration diagram in the cashless cash on delivery payment system 10 of the present embodiment. The cashless cash on delivery payment system 10 shown in FIG. 1 is a computer system that enables efficient and reliable cash on delivery payment procedures while avoiding an excessive load on the parties concerned.

The cashless cash-on-delivery payment system 10 of the present embodiment delivers the user terminal 100 of the orderer who places a cash-on-delivery order at the time of online shopping, the ATM 200 where the orderer inputs the settlement funds for the cash-on-delivery order, and the target product of the cash-on-delivery order described above. It is composed of a delivery person terminal 300 of a delivery person, a bank system 400 of a bank that operates the above-mentioned ATM 200 and manages the above-mentioned payment funds, a beacon terminal 500, and an electronic commerce system 600 that provides an online shopping service. ing.

Of these, between the user terminal 100 and the banking system 400 and the electronic commerce system 600, between the ATM 200 and the banking system 400, between the deliveryman terminal 300 and the banking system 400, and between the electronic commerce system 600 and the banking system 400. Each of the spaces is configured to be communicable via appropriate networks 1 and 2 such as the Internet and a dedicated line. Further, although not particularly shown, the bank system 400 includes a GW server for connecting to a network 1 as a public network such as the Internet. In that respect, the ATM 200 and the banking system 400 are connected by a network 2 as a secure dedicated line.

Of the above, the electronic commerce system 600 distributes various data for the online shopping service to the application 110 of the user terminal 100, and also gives various instructions regarding cash on delivery orders and the like by the orderer who operates the user terminal 100 to the application 110. It is possible to accept and process via. On the other hand, the delivery person terminal 300 includes the application 310 like the user terminal 100, and acquires and displays various information regarding the order in the online shopping service by each orderer from the electronic commerce system 600 via the application 310. It is possible.

Further, the beacon terminal 500 is a terminal that transmits a predetermined predetermined radio signal at regular time intervals, and an existing one may be appropriately adopted. The wireless signal transmitted by the beacon terminal 500 can be received by the user terminal 100 and the delivery person terminal 300.

Instead of the beacon terminal 500, a fixed radio station whose installation location is specified in advance (the wireless signal transmitted from the installation location is an appropriate system such as a cashless cash on delivery payment system 10, a banking system 400, or an electronic commerce system 600). A device that has been certified from), may be adopted. This fixed radio station can be assumed to be installed in the home premises of the orderer, for example. Further, instead of the beacon terminal 500, a deliveryman terminal 300 having a function of transmitting a wireless signal may be assumed. Regardless of which device is used, the type of wireless signal does not matter.
--- Hardware configuration ---

Further, as shown in the hardware configuration example of FIG. 2, the user terminal 100 constituting the cashless cash-on-delivery payment system 10 is a storage device composed of an appropriate non-volatile storage element such as an SSD (Solid State Drive) or a hard disk drive. The memory 103 composed of volatile storage elements such as 101 and RAM, and the program 102 held in the storage device 101 are read into the memory 103 and executed to perform overall control of the device itself, and various determinations, calculations, and control processes are performed. An arithmetic device 104 such as a CPU to perform, an input / output device 105 such as a touch panel that receives an input operation from a user and displays a processing result, a communication device 106 that connects to network 1 and is responsible for communication processing with other devices, and GPS. The unit 107 is provided.

In the storage device 101, in addition to the program 102 for implementing the function required as the user terminal 100 in the cashless cash on delivery payment system 10 of the present embodiment, the online shopping service by the electronic commerce system is used. App 110 is at least remembered. As the cash-on-delivery order is processed by the user terminal 100, the payment reservation data 125 and the payment request data 126, which will be described later, will be appropriately stored in the storage device 101. See below).

Further, the communication device 106 described above includes a network interface and a unit for proximity radio communication for receiving a radio signal of the beacon terminal 500.

On the other hand, as illustrated in FIG. 3, the delivery person terminal 300 constituting the cashless cash-on-delivery payment system 10 of the present embodiment is composed of an appropriate non-volatile storage element such as an SSD (Solid State Drive) or a hard disk drive. A memory 303 composed of volatile storage elements such as a storage device 301 and a RAM, and a program 302 held in the storage device 301 are read into the memory 303 and executed to perform overall control of the device itself, and various determinations, calculations, and controls. A computing device 304 such as a CPU that performs processing, an input / output device 305 such as a touch panel that accepts input operations from users and displays processing results, a communication device 306 that connects to network 1 and handles communication processing with other devices, and , GPS unit 307 is provided.

In the storage device 301, in addition to the program 302 for implementing the function required as the delivery person terminal 300 in the cashless cash on delivery payment system 10 of the present embodiment, cash on delivery by the orderer in the above-mentioned online shopping service is provided. At least the app 310 for managing information about the order is stored. The delivery person terminal 300 stores the payment reservation data 325 and the payment request data 326 described later in the storage device 301 as the above-mentioned processing related to the cash on delivery order of the orderer is performed (such processing, etc.). Details will be described later).

Further, the communication device 306 described above includes a network interface and a unit for proximity radio communication for receiving a radio signal of the beacon terminal 500.
--- Data structure example ---

Subsequently, the tables used by the bank system 400, the electronic commerce system 600, and the like constituting the cashless cash on delivery payment system 10 of the present embodiment will be described.

FIG. 4 shows an example of data configuration of the transaction management table 425 according to the present embodiment. The transaction management table 425 is a table held by the banking system 400, and is a table that stores information on settlement funds received from the orderer in the deposit transaction processed by the ATM 200.

The data structure is a set of records consisting of the date, time, and amount of the deposit transaction, and data such as OTP1, OTP2, recipient ID, and status, using the transaction number that uniquely identifies each deposit transaction as a key. The body.

Of these, OTP1 is a one-time password generated when the orderer inputs the settlement funds at the ATM 200 and deposits the settlement funds into the temporary receipt account in the accounting system. Further, the OTP2 receives the payment reservation data (described later) derived from the user terminal 100 whose consistency with the detail table 626 can be confirmed by the electronic commerce system 600 and the identification information of the electronic commerce system 600 in the transaction management table 425 and the receipt. It is a one-time password generated when the authenticity and consistency can be confirmed by appropriately collating with the person master table 426.

The recipient ID is the identification information whose authenticity can be confirmed as described above. In addition, the status indicates the status in which the procedures related to the cash-on-delivery order have been sequentially executed, such as the above-mentioned input of funds for settlement at the ATM 200, payment reservation, and waiting for payment execution.

Further, FIG. 5 shows an example of data configuration of the recipient master table 426 according to the present embodiment. The payee master table 426 is a table in which the bank system 400 stores information registered in advance with respect to (the operator of) the electronic commerce system 600. In this case, the electronic commerce system 600 is managed as a payee who receives the settlement funds obtained from the orderer at the ATM 200 and managed by the bank from the bank system 400 as the cash on delivery order. ..

The data structure uses the recipient ID that uniquely identifies (the operator of) the electronic commerce system 600 as a key, and the PIN (Personal Identification Number) of the recipient, the recipient name, and the account held by the recipient at the bank. It is a collection of records consisting of data such as store numbers, subjects, and account numbers.

Further, FIG. 6 shows an example of data configuration of the detailed table 626 according to the present embodiment. The detail table 626 is a table managed by the electronic commerce system 600, and is a table that stores information on each order received via the online shopping service.

The data structure is a collection of records composed of data such as a detail number, a date, a time, an amount, and OTP2, using a customer ID that uniquely identifies the orderer of each order as a key. Of these, the item number is a number that uniquely identifies the cash on delivery order. Further, OTP2 is a one-time password notified from the banking system 400. In this case, the bank system 400 uses the electronic commerce system 600 to display the payment reservation data (described later) derived from the user terminal 100 whose consistency with the detailed table 626 can be confirmed and the identification information of the electronic commerce system 600 in the transaction management table. This OTP2 is generated when the authenticity and consistency can be confirmed by appropriately collating with 425 and the recipient master table 426.
--- Flow example 1 ---

Hereinafter, the actual procedure of the cashless cash on delivery payment method in the present embodiment will be described with reference to the figure. Various operations corresponding to the cashless cash-on-delivery payment method described below are realized by a program read into a memory or the like by each terminal or the like forming the cashless cash-on-delivery payment system 10. Then, this program is composed of the code for performing various operations described below.

FIG. 7 is a diagram showing a flow example 1 of the cashless cash on delivery payment method in the present embodiment. Here, the orderer operates the application 110 of the user terminal 100 to order a predetermined product by cashless cash on delivery payment using the online shopping service provided by the electronic commerce system 600, and the payment fund is used by the ATM 200. We will explain the cashless cash on delivery payment method along with the flow of depositing at.

In this case, the user terminal 100 of the above-mentioned orderer accepts the product selection by the orderer and the selection of the payment method of the product price by the application 110, and transmits the order information regarding the corresponding product to the electronic commerce system 600. (S100). The payment method specified by the orderer is, of course, "cashless cash on delivery".

On the other hand, the electronic commerce system 600 receives the above-mentioned order information, generates a detail number that uniquely identifies the above-mentioned order information according to an existing rule, and links the above-mentioned detail number with the contents of the above-mentioned order information. It is attached and stored in the detail table 626 (s101). The information stored in the detail table 626 in this way includes information such as the customer ID (indicating the orderer) included in the order information, the order date and time, and the amount of the product price, in addition to the detail number.

The above-mentioned orderer who has performed online shopping with the application 110 carries the user terminal 100 and visits the ATM 200 of the bank that operates the banking system 400. In this case, it is assumed that the orderer has notified the relevant bank of a predetermined usage application in advance and is registered in the bank system 400 as a user of the cashless cash on delivery payment service. It does not matter whether or not you have an account at the relevant bank.

The above-mentioned ATM 200 accepts an operation by the visiting orderer and executes the personal authentication (s102). At this time, the ATM 200 acquires authentication information such as the orderer's date of birth and its finger vein reading data, or the customer ID and PIN, and transmits this to the customer management system of the bank system 400 or the like. Obtain the personal authentication result.

When the ATM200 succeeds in personal authentication, it receives a payment instruction of the settlement fund from the above-mentioned orderer, opens the shutter of the cash slot, and accepts the cash slot (s103). In addition, the ATM 200 notifies the bank system 400 that it has received the cash input of the settlement funds for the cashless cash on delivery settlement (s104). This notification includes information such as the date, time, and amount of cash input of settlement funds at ATM200.

On the other hand, the bank system 400 receives the above notification, executes the deposit processing for the input amount of the settlement funds to the temporary receipt account managed by the accounting system, and generates the transaction number and OTP1 (s105). .. The transaction number and OTP1 are as described above.

Further, the bank system 400 associates the transaction number and OTP1 generated in s105 with the transaction management table 425 with the date, time, and amount information included in the above notification, and the status "cash input". The payment information including the transaction number, amount, and OTP1 information is returned to the ATM 200 (s106). It is assumed that this payment information is encrypted with the public key of the bank system 400.

On the other hand, the ATM 200 receives the above-mentioned (encrypted) payment information and inputs it into a predetermined code generation algorithm to generate a two-dimensional code and display the two-dimensional code on the screen (s107). ..

On the other hand, the above-mentioned orderer operates the application 110 of the user terminal 100, selects the detail number of the order targeted for the next cashless cash-on-delivery settlement from the history of online shopping by himself / herself, and then at the ATM 200. It is assumed that the reading operation for the two-dimensional code displayed on the screen is performed.

In this case, the user terminal 100 has a detail number selected by the orderer in the application 110 and a customer ID (detail number) of the orderer with respect to the information obtained by reading the above-mentioned two-dimensional code, that is, the encrypted payment information. (Managed in the online shopping history in association with) is linked to the payment reservation data, which is encrypted with the public key of the electronic commerce system 600, and then transmitted to the electronic commerce system 600 (s108). ).

Subsequently, the electronic commerce system 600 receives the above-mentioned encrypted payment reservation data, decrypts it with its own private key, and obtains the customer ID and the detail number (s109). At this time, the payment information cannot be decrypted (because it is encrypted with the public key of the bank system 400). However, the electronic commerce system 600 can use a predetermined API provided by the banking system 400 in advance, and the amount of funds for settlement can be extracted from the above-mentioned "encrypted settlement information" by this API. (Of course, in order to reduce the risk of eavesdropping and falsification, the transaction number and OTP1 shall not be decrypted by the API, and the entire payment information remains encrypted).

Next, the electronic commerce system 600 includes the customer ID, item number, and amount received from the user terminal 100 via the application 110, and the customer ID, item number, and amount of each record held in its own item table 626. A matching check is performed with the amount, and the existence of a matching record confirms that the above-mentioned association between the current order content and the payment content by the orderer is correct (s110).

Further, the electronic commerce system 600 has a recipient ID and a recipient PIN (both from the bank system 400) that uniquely identify the operator of the electronic commerce system 600 in the encrypted payment information (transaction number, OTP1, amount). (Granted in advance and held in the storage device) is added, encrypted with the public key of the bank system 400, and transmitted to the bank system 400 as payment reservation data (s111).
On the other hand, the banking system 400 receives the above-mentioned payment reservation data from the electronic commerce system 600 and decrypts it with the private key of the banking system 400 (s112).

Next, the banking system 400 confirms a match between the transaction number, OTP1, and amount indicated by the decrypted payment reservation data and the transaction number, OTP1, and amount of each record in the transaction management table 425. It is executed and it is confirmed by the existence of the corresponding record whether the payment reservation data transmitted by the electronic commerce system 600 is correct (s113).

Further, if the bank system 400 determines that the payment reservation data is correct as a result of the above-mentioned matching confirmation, the payee ID obtained by decoding s112 and the payee PIN are collated with the payee master table 426. If the authentication is successful, the payee is identified as the operator of the electronic commerce system 600 described above, and OTP2 is generated (s114).

Next, the bank system 400 updates the OTP2, the payee ID, and the status of the corresponding transaction number in the transaction management table 425, and transmits the payment reservation notification to the electronic commerce system 600 described above (s115). .. The payment reservation notice includes at least the item number and OTP2 described above. In addition, the update content of the above-mentioned status is to update "cash input" to "payment reservation".

On the other hand, the electronic commerce system 600 receives the above-mentioned payment reservation notification, updates OTP2 in the record of the corresponding detail number among the records of the detail table 625 (s116), and the flow ends.
--- Flow example 2 ---

Next, the processing that occurs when the target product is delivered to the orderer by the above-mentioned order for which cashless cash on delivery payment is specified will be described with reference to the figure. FIG. 8 is a diagram showing a flow example 2 of the cashless cash on delivery payment method in the present embodiment.

Here, it is assumed that the electronic commerce system 600 transmits a delivery instruction according to the payment reservation notification to the delivery member terminal 300 of the predetermined delivery person, following s116 of the above-mentioned flow example 1. The delivery instruction includes the item number and OTP2.

In this case, the delivery person picks up the packaged target product from the warehouse or the like based on the detail number indicated by the above delivery instruction, loads it on the transportation vehicle, and delivers it to the shipping address. In addition, the delivery person has a beacon terminal 500 lent in advance from the electronic commerce system 600. Further, when the delivery person arrives at the delivery address, he / she requests the orderer who is in front of him / her to start the application 110 on the user terminal 100 and display the payment screen. On the other hand, this delivery person also activates the application 310 on the delivery person terminal 300 to display the payment screen.

At this time, the application 110 of the user terminal 100 acquires a list of details as an order history by the orderer from the electronic commerce system 600, or acquires a list of details held by the application 110 itself and uses the input / output device 105. Is displayed on the screen, and the orderer accepts the selection of the item number to be processed next and the payment instruction (s201).

On the other hand, the application 310 of the delivery person terminal 300 acquires a detailed list of the above-mentioned order history by the orderer from the electronic commerce system 600, or acquires a detailed list held by the application 310 itself and inputs and outputs the list. It is displayed on 305, and the delivery staff accepts the selection of the item number and the payment instruction according to the target product delivered this time (s202).

At this time, the beacon terminal 500 possessed by the above-mentioned delivery person is transmitting a predetermined wireless signal, and the beacon terminal 500, the user terminal 100, and the delivery person terminal 300 are sufficiently close to each other. It is assumed that the unit for short-range wireless communication of the user terminal 100 and the delivery person terminal 300 is in a state where the wireless signal can be captured.

Therefore, the user terminal 100 and the delivery person terminal 300 receive the wireless signal transmitted by the above-mentioned beacon terminal 500, respectively, generate payment request data by the applications 110 and 310, and transmit the data to the bank system 400. (S203, s204).

The payment request data generated by the application 110 of the user terminal 100 includes encrypted payment information (transaction number, amount, OTP1), transmission date and time, and location information (current location information of the user terminal 100 obtained from the GPS unit 107). ), The action "payment", each data is included, and the whole is encrypted with the public key of the bank system 400. However, the above-mentioned location information is not essential information.

In addition, the payment request data generated by the application 310 of the deliveryman terminal 300 includes encrypted payment information (transaction number, amount, OTP1), transmission date and time, and location information (current state of the deliveryman terminal 300 obtained from the GPS unit 307). It includes each data of location information) and action "payment", and is entirely encrypted with the public key of the bank system 400. However, the above-mentioned location information is not essential information.

On the other hand, the bank system 400 decrypts the payment request data received from the user terminal 100 and the delivery person terminal 300, respectively, with the private key of the bank (s205).

Further, the bank system 400 uses the transaction number obtained by decryption of s205 as a key, links the payment request data received from each of the user terminal 100 and the deliveryman terminal 300, and holds the payment request data in the storage device (s206). ). If the payment request data has not been received from either the user terminal 100 or the delivery person terminal 300, the bank system 400 shall wait for a predetermined time until it can be received.

Subsequently, the bank system 400 indicates the transaction number, transmission date and time, and location information indicated by the payment request data received from the user terminal 100, and the transaction number, transmission date and time, indicated by the payment request data received from the deliveryman terminal 300. And, by collating with the location information, the transaction number is the same, the transmission date and time is the same or very small, and the location information is the same or very small, that is, the orderer. It is confirmed that the cash on delivery process is being executed by the fact that the delivery person and the delivery person are located at the same time at a very short distance (s207).

Further, the bank system 400 matches the transaction number, amount, and OTP1 indicated by the payment request data received from the user terminal 100 with the transaction number, amount, and OTP1 in each record of the transaction management table 425. Perform a confirmation and, with the presence of a matching record, confirm that the above-mentioned orderer is the correct payer sending the correct data (s208).

Subsequently, the bank system 400 includes the transaction number, amount, OTP1, and OTP2 of the payment request data received from the deliveryman terminal 300, and the transaction number, amount, OTP1, and OTP2 in each record of the transaction management table 425. The above-mentioned delivery person is sending the correct data with the existence of the matching record, and the electronic commerce system 600 (operator) to which this delivery person belongs is the correct payee. Confirm that there is (s209).

In this way, the bank system 400 confirms that the payment is cashless cash on delivery between the correct payer and the payee by each process of s207 to s209 described above, and in the record of the corresponding transaction number in the transaction management table 425, the date. , Time, and status updates (s210). The status is updated from "Payment reservation" to "Payment execution wait" by this update.
In addition, the bank system 400 notifies the above-mentioned user terminal 100 and delivery staff terminal 300 that the status has been updated while waiting for payment execution (s211).

The banking system 400 executes the above notification and manages the transaction by batch processing for a predetermined period (eg, 7 days, which is a cooling-off period, and of course, not limited to this), unless there is a return request from the relevant orderer. The corresponding record (in each case, the status is "waiting for payment execution") is extracted in the table 425, and the information about the payee's account is extracted in the payee master table 426 using the payee ID indicated by the record as a key. (Store number, subject, account number) is acquired, and a settlement execution request for requesting payment processing of the amount indicated by the above-mentioned corresponding record to this account is instructed to the accounting system (s212).

At the time of this processing, the bank system 400 shall update the status of the corresponding record from "payment execution waiting" to "completed (payment)". Further, in the core banking system, in response to the above-mentioned settlement execution request, the payment process is executed from the temporary receipt account to the account of the operator of the electronic commerce system 600.
--- Flow example 3 ---

Next, a process for dealing with a return request for the delivered product as described above will be described with reference to the figure. FIG. 9 is a diagram showing a flow example 3 of the cashless cash on delivery payment method in the present embodiment. In this case, the orderer activates the application 110 on the user terminal 100 to make a return request to the electronic commerce system 600, confirms the item number of the corresponding product on the application 110, and specifies the item number. You shall press the return request button.

Upon pressing the return request button, the user terminal 100 transmits a return request including the above-mentioned item number and product collection address information to the electronic commerce system 600 (s300).

On the other hand, the electronic commerce system 600 receives the above-mentioned return request, and in response to the above-mentioned return request, the delivery person terminal 300 of the predetermined delivery person is informed of the item number, OTP2 (obtained from the item table 626), and the product collection address. Notify the product collection instruction including and (s301).

The delivery person who recognizes this product collection instruction will go to the product collection destination address and perform the collection business of the target product. In addition, the delivery person has a beacon terminal 500 lent in advance from the electronic commerce system 600.

When the delivery person arrives at the product collection destination address, the delivery person requests the return requester, that is, the past orderer, who is responding in front of him, to start the application 110 on the user terminal 100 and display the return screen. On the other hand, this delivery person also activates the application 310 on the delivery person terminal 300 and displays the return screen.

At this time, the application 110 of the user terminal 100 acquires a list of details as an order history by the return requester, that is, a past orderer, from the electronic commerce system 600, or acquires a list of details held by the app 110 itself. This is displayed on the input / output device 105, and the return requester receives the selection of the item number to be returned and the return instruction (s302).

On the other hand, the application 310 of the delivery person terminal 300 acquires a list of details as an order history by the above-mentioned return requester, that is, a past orderer, or acquires a list of details held by the application 310 itself from the electronic commerce system 600. , This is displayed on the input / output device 305, and the delivery person receives the selection of the detail number and the return instruction according to the target product to be returned this time (s303).

At this time, the beacon terminal 500 possessed by the above-mentioned delivery person is transmitting a predetermined wireless signal, and the beacon terminal 500, the user terminal 100, and the delivery person terminal 300 are sufficiently close to each other. It is assumed that the unit for short-range wireless communication of the user terminal 100 and the delivery person terminal 300 is in a state where the wireless signal can be captured.

Therefore, the user terminal 100 and the delivery person terminal 300 receive the wireless signal transmitted by the above-mentioned beacon terminal 500, respectively, generate payment cancellation data by the applications 110 and 310, and transmit the data to the bank system 400. (S304, s305).

The payment cancellation data generated by the application 110 of the user terminal 100 includes encrypted payment information (transaction number, amount, OTP1), transmission date and time, and location information (current location information of the user terminal 100 obtained from the GPS unit 107). ), The action "return", each data is included, and the whole is encrypted with the public key of the bank system 400. However, the above-mentioned location information is not essential information.

In addition, the payment cancellation data generated by the application 310 of the deliveryman terminal 300 includes encrypted payment information (transaction number, amount, OTP1), transmission date and time, and location information (current state of the deliveryman terminal 300 obtained from the GPS unit 307). It includes each data of (location information) and action "return", and is entirely encrypted with the public key of the bank system 400. However, the above-mentioned location information is not essential information.

On the other hand, the bank system 400 decrypts the payment cancellation data received from the user terminal 100 and the delivery person terminal 300, respectively, with the private key of the bank (s306).

Further, the bank system 400 uses the transaction number obtained by decoding the s306 as a key, links the payment cancellation data received from each of the user terminal 100 and the deliveryman terminal 300, and holds the payment cancellation data in the storage device (s307). ). If the payment cancellation data has not been received from either the user terminal 100 or the delivery person terminal 300, the bank system 400 shall wait for a predetermined time until it can be received.

Subsequently, the bank system 400 displays the transaction number, transmission date / time, and location information indicated by the payment cancellation data received from the user terminal 100, and the transaction number, transmission date / time, and location information indicated by the payment cancellation data received from the deliveryman terminal 300. And, by collating with the location information, the transaction number is the same, the transmission date and time is the same or very small, and the location information is the same or very small, that is, the return request. Confirm that the return processing is in progress by having the person and the delivery person located at the same time in a very short distance (s308).

Further, the bank system 400 matches the transaction number, amount, and OTP1 indicated by the payment cancellation data received from the user terminal 100 with the transaction number, amount, and OTP1 in each record of the transaction management table 425. A check is performed and the presence of a matching record confirms that the return requester described above is the correct return requester sending the correct data (s309).

Subsequently, the bank system 400 includes the transaction number, amount, OTP1, and OTP2 of the payment cancellation data received from the delivery person terminal 300, and the transaction number, amount, OTP1, and OTP2 in each record of the transaction management table 425. The above-mentioned delivery person is sending the correct data with the existence of the matching record, and the electronic commerce system 600 (operator) to which this delivery person belongs is the correct return destination. Confirm that there is (s310).

In this way, the bank system 400 confirms that the return processing is between the correct return requester and the return destination by each of the above-mentioned processes of s308 to s310, and in the record of the corresponding transaction number in the transaction management table 425, the date. , Time, and status updates (s311). The status is updated from "payment execution wait" to "payment cancellation wait" by this update.

In addition, the bank system 400 notifies the above-mentioned user terminal 100 and delivery staff terminal 300 that the status has been updated while waiting for payment cancellation (s312).

On the other hand, the return requester who recognizes the above notification visits the bank to receive a refund due to the return, and presses the refund button for the corresponding item number on the refund screen of the application 110 of the user terminal 100. Generate and display a two-dimensional code that specifies the amount associated with the item number as the refund amount. Further, the above-mentioned return requester causes the user terminal 100 to read the two-dimensional code displayed on the user terminal 100, for example, by the reader device of the ATM 200.

This ATM 200 executes a two-dimensional code reading process to acquire information on the item number and the refund amount, and accounts for the refund process of the settlement funds held in the temporary receipt account for the transaction number associated with the item number. At the same time as requesting the system, the cash corresponding to the refund amount is discharged from the cash outlet (s313), and the flow is terminated.

Although the best mode for carrying out the present invention has been specifically described above, the present invention is not limited to this, and various modifications can be made without departing from the gist thereof.

According to this embodiment, the purchasers of the product do not need to prepare cash for the cash-on-delivery settlement procedure and do not use a credit card. Therefore, it is troublesome to prepare settlement funds and when using a credit card. Various problems can also be avoided. In addition, by ensuring that the payment information and the order information are linked, payment mistakes and the like can be suppressed. On the other hand, on the delivery staff and the online shop side, cash handling is not required, and delivery can be started after the price is secured, which has the effect of eliminating waste related to the relevant business and appropriately reducing the load.
That is, it is possible to carry out an efficient and reliable cash-on-delivery settlement procedure while avoiding an excessive load on the parties concerned.

The description herein reveals at least the following: That is, in the cashless cash on delivery payment method of the present embodiment, each of the user terminal and the deliveryman terminal receives a predetermined wireless signal transmitted by either the device held by the deliveryman or the deliveryman terminal. Accordingly, the predetermined information regarding the cash on delivery order to be held may be transmitted to the banking system.

According to this, based on the operation that the delivery person heading for the delivery of the target product of the cash on delivery order carries a beacon terminal etc. that transmits a predetermined wireless signal, the delivery person arrives at the orderer's home etc. It is possible to guarantee the situation of facing the orderer, that is, the situation of carrying out the cash on delivery settlement procedure accurately and without hassle. As a result, more efficient and reliable cash on delivery procedures can be performed while avoiding an excessive load on the parties concerned.

Further, in the cashless cash on delivery payment method of the present embodiment, the banking system may further confirm the proximity between the location information included in each of the predetermined information at the time of the confirmation.

According to this, it is possible to guarantee the situation in which the delivery person arrives at the orderer's home or the like and actually faces the orderer, that is, the situation in which the cash-on-delivery settlement procedure is performed accurately and without hassle. As a result, more efficient and reliable cash on delivery procedures can be performed while avoiding an excessive load on the parties concerned.

Further, in the cash-less cash-on-delivery settlement method of the present embodiment, the banking system receives payment on delivery of the cash-on-delivery order settlement funds at the ATM by the orderer, and provides settlement information indicating the contents of the deposit. The payment information is stored in a storage device, the payment information is coded and displayed on the screen at the ATM, and the user terminal of the orderer acquires the payment information via the reading process of the code displayed on the screen. The order information of the cash on delivery order is linked to the settlement information and stored in the storage device as payment reservation data, the payment reservation data is transmitted to the electronic commerce system that is the ordering party of the cash on delivery order, and the electronic commerce system causes the cash on delivery. The transaction details information of the cash on delivery order already held in connection with the order is collated with the order information and the payment information in the payment reservation data, and when the information of the predetermined items matches each other, the payment information After certifying the validity of the link between the order information and the order information, the identification information about the electronic commerce system is linked to the payment information and transmitted to the bank system as payment reservation data, and the bank system uses the electronic commerce system. The processing of collating the payment information included in the payment reservation data obtained from the system with the payment information already held in the storage device for the cash on delivery order, and the electronic commerce based on the identification information included in the payment reservation data. When each of the predetermined authentication processes related to the system is executed and the results of the verification process and the authentication process are the predetermined contents, it indicates that the necessary settlement funds for the cash on delivery order have been secured on the bank side. The payment reservation notice is transmitted to the electronic commerce system, and in response to the electronic commerce system receiving the payment reservation notice from the bank system, the delivery person gives a delivery instruction of the target product of the cash on delivery order. It may be sent to the terminal.

According to this, the payment information managed on the banking system side and the order information managed on the electronic commerce system side are surely linked without any inconsistency, and information on the cash on delivery order such as payment source, payee, amount, etc. It is possible to guarantee the authenticity of. As a result, more efficient and more reliable cash on delivery procedures can be performed while avoiding an excessive load on the parties concerned.

Further, in the cashless cash on delivery payment method of the present embodiment, each of the user terminal of the orderer who wishes to return the target product and the delivery staff terminal held by the delivery staff who headed for the collection of the target product is the target. When a predetermined radio signal transmitted from a predetermined device is received at the pick-up location of the product, the predetermined information regarding the cash on delivery order held by each is transmitted to the bank system as payment cancellation data. , The banking system confirms the authenticity of what the payment cancellation data indicates, the consistency between the payment cancellation data, and the proximity between the transmission times of each of the payment cancellation data by a predetermined algorithm. If the confirmation is successful, a predetermined refund process may be executed based on the settlement fund previously entrusted by the orderer with respect to the cash on delivery order of the target product.

According to this, it is possible to carry out more efficient and reliable cash-on-delivery settlement procedures while avoiding an excessive burden on the parties concerned, in response to the situation where the return procedure is performed for the target product delivered by cash-on-delivery order. Become.

Further, in the cashless cash on delivery payment system of the present embodiment, each of the user terminal and the deliveryman terminal receives a predetermined radio signal transmitted by either the device held by the deliveryman or the deliveryman terminal. Accordingly, the predetermined information regarding the cash on delivery order to be held may be transmitted to the bank system.

Further, in the cashless cash on delivery payment system of the present embodiment, the banking system may further confirm the proximity between the location information included in each of the predetermined information at the time of the confirmation.

Further, in the cashless cash-on-delivery payment system of the present embodiment, the banking system receives payment information for payment of the cash-on-delivery order at the ATM by the orderer, and provides payment information indicating the contents of the payment. It is stored in a storage device, the payment information is coded and displayed on the screen at the ATM, and the user terminal of the orderer acquires the payment information through the reading process of the code displayed on the screen. Then, the payment reservation information is associated with the order information of the cash-on-delivery order and stored in the storage device as payment reservation data, and the payment reservation data is transmitted to the electronic commerce system to which the cash-on-delivery order is placed. The commercial transaction system collates the transaction details information of the cash-on-delivery order already held with the order of the cash-on-delivery order with the order information and the payment information in the payment reservation data, and the information of the predetermined items matches each other. If so, the validity of the association between the payment information and the order information is recognized, and the identification information regarding the electronic commerce system is associated with the payment information and transmitted to the bank system as payment reservation data. The banking system collates the payment reservation data included in the payment reservation data obtained from the electronic commerce system with the payment information already held in the storage device for the cash-on-delivery order, and the payment reservation data. When the predetermined authentication process for the electronic commerce system based on the identification information included in the above is executed and the result of the collation process and the authentication process is the predetermined content, the bank side has the necessary settlement funds for the cash-on-delivery order. A payment reservation notice indicating that the payment has been secured in the above is transmitted to the electronic commerce system, and the electronic commerce system receives the payment reservation notice from the bank system. The delivery instruction of the target product of the cash-on-delivery order may be transmitted to the delivery person terminal.

In the cash-less cash-on-delivery payment system of the present embodiment, the user terminal of the orderer who wishes to return the target product and the delivery staff terminal held by the delivery person who heads for the collection of the target product are each of the target product. When a predetermined radio signal transmitted from a predetermined device is received at the collection place, the predetermined information regarding the cash on delivery order held by each is transmitted to the bank system as payment cancellation data. Yes, the banking system uses a predetermined algorithm to confirm the authenticity of what the payment cancellation data indicates, the consistency between the payment cancellation data, and the proximity of each of the payment cancellation data between the transmission times. If the confirmation is successful, the cash-on-delivery order for the target product may be subjected to a predetermined refund process based on the settlement funds previously entrusted by the orderer.

1, 2 Network 10 Cashless cash-on-delivery payment system 100 User terminal 101 Storage device 102 Program 103 Memory 104 Arithmetic device 105 Input / output device 106 Communication device 107 GPS unit 110 App 125 Payment reservation data 126 Payment request data 200 ATM
300 Delivery person terminal 301 Storage device 302 Program 303 Memory 304 Calculation device 305 Input / output device 306 Communication device 307 GPS unit 310 App 325 Payment reservation data 326 Payment request data 400 Bank system 425 Transaction management table 426 Recipient master table 500 Beacon terminal 600 Electronic commerce system 625 Payment reservation data 626 Detail table

Claims (10)

Each of the user terminal held by the orderer of the cash-on-delivery order and the deliveryman terminal held by the delivery person of the target product of the cash-on-delivery order transmits a predetermined radio signal transmitted from a predetermined device at the delivery location of the target product. Upon receipt, the payment request data related to the cash on delivery order held by each is transmitted to the bank system.
With respect to the authenticity of the matters indicated by the payment request data, the bank system holds in advance the data held by the bank system regarding the cash-on-delivery order by the orderer, and the payment information of the payment request data received from the user terminal. matching, as well as perform the confirmation regarding agreement between the data and the cash payment destination confirmation information of the order of the billing data received from the delivery person terminal, for consistency between the billing data with, Confirmation regarding the match between the payment information of the payment request data received from each of the user terminal and the delivery member terminal is executed, and the user terminal and the user terminal and the user terminal and the above regarding the proximity of each of the payment request data during the transmission time. Confirmation regarding matching or approximation between the transmission dates and times indicated by the payment request data received from each of the delivery staff terminals is performed, and if each of the confirmations is successful, the cash-on-delivery order is for settlement that has been deposited in advance by the orderer. Perform the prescribed payment process based on the funds,
A cashless cash on delivery payment method characterized by this. When each of the user terminal and the deliveryman terminal receives a predetermined radio signal transmitted by either the device held by the deliveryman or the deliveryman terminal, a payment request for the cash on delivery order held by each of the user terminal and the deliveryman terminal is received. Send data to the banking system,
The cashless cash on delivery payment method according to claim 1. The banking system
In addition to each of the check, with respect to proximity between the position information included in the billing data respectively, the same between the user terminal and the delivery person position information indicating the billing data received from the respective terminals or The cashless cash on delivery payment method according to claim 1, wherein the confirmation regarding the approximation is further performed. The banking system
In response to the payment of the settlement funds for the cash on delivery order by the orderer at the ATM, the payment information indicating the contents of the payment is stored in the storage device, the payment information is coded and displayed on the screen at the ATM. Let me
The user terminal of the orderer
The payment information is acquired through the reading process of the code displayed on the screen, the payment reservation information is associated with the order information of the cash on delivery order and stored in the storage device as payment reservation data, and the payment reservation data is stored. Send the cash on delivery order to the electronic commerce system, which is the ordering party,
The electronic commerce system
When the transaction details information of the cash-on-delivery order already held in connection with the order of the cash-on-delivery order is collated with the order information and the settlement information in the payment reservation data, and the information of the predetermined items matches each other, the said After certifying the validity of the association between the payment information and the order information, the identification information regarding the electronic commerce system is associated with the payment information and transmitted as payment reservation data to the bank system.
The banking system
Based on the collation processing between the payment information included in the payment reservation data obtained from the electronic commerce system and the payment information already held in the storage device for the cash on delivery order, and the identification information included in the payment reservation data. When the predetermined authentication process for the electronic commerce system is executed respectively and the result of the collation process and the authentication process is the predetermined content, the bank side surely secures the necessary settlement funds for the cash on delivery order. A payment reservation notification to that effect is sent to the electronic commerce system,
The electronic commerce system
In response to receiving the payment reservation notification from the banking system, the delivery instruction of the target product of the cash on delivery order is transmitted to the delivery person terminal.
The cashless cash on delivery payment method according to claim 1. Each of the user terminal of the orderer who wishes to return the target product and the delivery member terminal held by the delivery person who goes to pick up the target product are transmitted from the predetermined device at the collection place of the target product. When the predetermined radio signal is received, the data related to the settlement of the cash-on-delivery order held by each is transmitted to the bank system as payment cancellation data.
The banking system performs each of the above checks regarding the authenticity of what the payment cancellation data indicates, the consistency between the payment cancellation data, and the proximity of each of the payment cancellation data between the transmission times. If each of the confirmations is successful, a predetermined refund process is executed based on the settlement funds previously entrusted by the orderer with respect to the cash on delivery order of the target product.
The cashless cash on delivery payment method according to claim 1. A system including a user terminal held by the orderer of the cash-on-delivery order, a deliveryman terminal held by the delivery person of the target product of the cash-on-delivery order, and a bank system for managing the settlement funds of the cash-on-delivery order.
Each of the user terminal and the delivery person terminal
When a predetermined wireless signal transmitted from a predetermined device is received at the delivery location of the target product, the payment request data related to the cash on delivery order held by each is transmitted to the bank system.
The bank system has data held in advance by the bank system regarding the cash-on-delivery order by the orderer with respect to the authenticity of the matters indicated by the payment request data, and payment information of the payment request data received from the user terminal. match with, and executes a confirmation regarding agreement between the data and the delivery person the cash payee confirmation information of the order of the billing data received from the respective terminals, consistency between the billing data Regarding, the confirmation regarding the matching between the payment information of the payment request data received from each of the user terminal and the delivery member terminal is executed, and the proximity of each of the payment request data during the transmission time is determined by the user terminal. And, if the confirmation regarding the match or approximation between the transmission dates and times indicated by the payment request data received from each of the deliveryman terminals is performed and each of the confirmations is successful, the cash-on-delivery order is kept in advance by the orderer. It executes a predetermined payment process based on the payment funds.
A cashless cash on delivery payment system that features this. Each of the user terminal and the deliveryman terminal receives a predetermined radio signal transmitted by either the device held by the deliveryman or the deliveryman terminal, and the payment request for the cash on delivery order held by each of the user terminal and the deliveryman terminal. Sends data to the banking system,
The cashless cash on delivery payment system according to claim 6. The banking system
In addition to each of the check, with respect to proximity between the position information included in the billing data respectively, the same between the user terminal and the delivery person position information indicating the billing data received from the respective terminals or The cashless cash on delivery payment system according to claim 6, wherein the confirmation regarding the approximation is further performed. The banking system
In response to the payment of the settlement funds for the cash on delivery order by the orderer at the ATM, the payment information indicating the contents of the payment is stored in the storage device, the payment information is coded and displayed on the screen at the ATM. To make you
The user terminal of the orderer is
The payment information is acquired through the reading process of the code displayed on the screen, the payment reservation information is associated with the order information of the cash on delivery order and stored in the storage device as payment reservation data, and the payment reservation data is stored. It is sent to the electronic commerce system, which is the ordering party for the cash on delivery order.
The electronic commerce system
When the transaction details information of the cash-on-delivery order already held in connection with the order of the cash-on-delivery order is collated with the order information and the settlement information in the payment reservation data, and the information of the predetermined items matches each other, the said The validity of the association between the payment information and the order information is recognized, and the identification information regarding the electronic commerce system is associated with the payment information and transmitted to the bank system as payment reservation data.
The banking system
Based on the collation processing between the payment information included in the payment reservation data obtained from the electronic commerce system and the payment information already held in the storage device for the cash on delivery order, and the identification information included in the payment reservation data. When the predetermined authentication process for the electronic commerce system is executed respectively and the result of the collation process and the authentication process is the predetermined content, the bank side surely secures the necessary settlement funds for the cash on delivery order. A payment reservation notification to that effect is sent to the electronic commerce system.
The electronic commerce system
In response to receiving the payment reservation notification from the banking system, the delivery instruction of the target product of the cash on delivery order is transmitted to the delivery person terminal.
The cashless cash on delivery payment system according to claim 6. Each of the user terminal of the orderer who wishes to return the target product and the delivery staff terminal held by the delivery staff who went to pick up the target product
When a predetermined wireless signal transmitted from a predetermined device is received at the pick-up location of the target product, the data related to the settlement of the cash-on-delivery order held by each of the data related to the target product is used as payment cancellation data by the banking system. Is to be sent to
The banking system
Each of the above confirmations regarding the authenticity of the matters indicated by the payment cancellation data, the consistency between the payment cancellation data, and the proximity of each of the payment cancellation data between the transmission times is performed, and each of the confirmations is performed. If successful, the cash-on-delivery order for the target product will be processed for a predetermined refund based on the settlement funds previously entrusted by the orderer.
The cashless cash on delivery payment system according to claim 6.

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