JP6871460B1 - Payment information management system, payment information management method and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a payment information management system capable of controlling access to payment information by a licensee for payment information related to payment to official goods by a purchaser. SOLUTION: In a sales management server 11 in a payment information management system 1, a payment processing unit 45 is permitted to make a payment request by a payment request unit 33 of a sales device 5 and a payment instruction unit 25 of a purchase device 3. In that case, if the target is a fan product and it can be confirmed in the purchaser book 73 of the fan currency management server 15 that the purchaser has the fan currency corresponding to the payment amount, the book of the fan currency management server 15 The price is reduced from the fan currency managed by the purchaser book 73 to the processing unit 71, and the fan currency of the price is distributed to the seller book 75, the commercialization department book 77, and the licensee book 79 according to the distribution information. .. [Selection diagram] Fig. 2

Description

The present invention relates to a payment information management system, a payment information management method and a program, and more particularly to a payment information management system that manages payment information regarding payment of goods and / or services by a purchaser.

Patent Document 1 describes that payment is made in a virtual currency certified by industry.

Japanese Unexamined Patent Publication No. 2019-215835

However, the management of transaction information by conventional crypto assets has targeted the entire transaction. For example, local currencies are linked to regions, but access control for transaction information is not taken into consideration.

Currently, there is interest in the purchasing trends of enthusiasts (fans) such as specific people and characters. However, the purchase information by the fans is managed as the consideration for the goods and services as before. For fans, they pay for official goods without expecting any compensation, in a state where they are separated from the people they love.

Therefore, an object of the present invention is to propose a payment information management system or the like capable of controlling access to payment information by a licensee for payment information related to payment to official goods by a purchaser.

A first aspect of the present invention is a payment information management system that manages payment information regarding payments to goods and / or services by a purchaser, comprising a sales management server, wherein the sales management server is by the purchaser. The payment processing unit is provided with a payment processing unit that processes payment for the product and / or the service, and the payment processing unit is provided when the product and / or the service is provided with the permission of the licensee. , It is determined whether or not the payment is such that the licensee can access the payment information, and the payment process is performed to generate the payment information.

The second aspect of the present invention is the payment information management system of the first aspect, in which the purchaser refers to the goods and / or the services created with the permission of the licensee. It is possible to pay using the fan value corresponding to the licensee, or to pay with a common value different from the fan value, and the goods and / or the service are provided with the permission of the licensee. If the purchaser pays at the fan value, the payment processing unit determines that the payment is such that the licensee can access the payment information, and the purchaser makes the payment. If the payment is made at a common value, the payment processing unit determines that the payment is such that the licensee cannot access the payment information.

The third aspect of the present invention is the payment information management system of the second aspect, in which the purchaser can specify message information for payment at the fan value, and the goods and / or the service. Is provided with the permission of the licensee, and if the purchaser pays at the fan value, the payment processing unit includes the message information in the generated payment information.

The fourth aspect of the present invention is the payment information management system of the second or third aspect, and at least the fan value is realized by the cryptographic asset.

The fifth aspect of the present invention is the payment information management system of any one of the first to fourth aspects, wherein the purchaser is the product and / or the product created with the permission of the licensee. For the service, it is possible to specify whether or not the payment information can be accessed by the licensee, and the product and / or the service is created with the permission of the licensee. In this case, if the purchaser specifies that the payment processing unit can access the payment information, the payment processing unit determines that the payment can be accessed by the licensee, and the payment processing unit is accessed by the purchaser. If it is not specified as possible, it is determined that the payment is such that the licensee cannot access the payment information.

A sixth aspect of the present invention is a payment information management method in a payment information management system that manages payment information regarding payment to goods and / or services by a purchaser, and the payment information management system uses a sales management server. The sales management server includes a payment processing unit that processes payment for the goods and / or the services by the purchaser, and the goods and / or the services are provided with the permission of the licensee. If this is the case, the payment processing unit includes a step of determining whether or not the payment is such that the licensee can access the payment information, performing the payment processing, and generating the payment information.

A seventh aspect of the present invention is that when the purchaser purchases the goods and / or the services provided with the permission of the licensee, the purchaser purchases the license to the computer. It is a program for functioning as a payment processing unit that determines whether to make a payment based on a fan value corresponding to a person or a common value different from the fan value.

The invention of the present application may be regarded as a computer-readable recording medium for recording the program of the seventh aspect.

According to each aspect of the present invention, access control to the licensee is performed by generating payment information regarding payment of official goods by the purchaser by determining whether or not the licensee can access the payment information. Becomes possible.

It is a figure for demonstrating the outline of this invention. It is a block diagram which shows an example of (a) configuration of the payment information management system which concerns on embodiment of the invention of this application, and is a flow diagram which shows an example of (b) operation. It is a block diagram which shows (a) an example of another configuration of the payment information management system which concerns on embodiment of the invention of this application, and (b) is a flow diagram which shows an example of operation. It is a block diagram which shows (a) an example of another configuration of the payment information management system which concerns on embodiment of the invention of this application, and (b) is a flow diagram which shows an example of operation.

Hereinafter, examples of the present invention will be described with reference to the drawings. The invention of the present application is not limited to this embodiment.

FIG. 1 is a diagram for explaining an outline of the present invention.

FIG. 1A shows an outline of buying and selling ordinary commodities. The commercialization department develops new products and services (commodities, etc.) and carries out specific commercialization and services (commercialization, etc.). The seller sells the products, etc. developed by the commercialization department to the buyer. The buyer pays the seller money. The seller pays the commercialization department when the product or the like can be purchased or sold.

FIG. 1B shows an overview of purchases by buyers (fans and general buyers). There are various products. For example, in the case of a pencil, some have a design in which nothing is described, and some have a character or the like described (character goods). Some buyers are looking for something that can be used as a pencil, while others are character fans looking for character goods. A "license holder" is a person who can license commercialization using a fan target (a specific person, character, etc.), and a "fan" is an enthusiastic enthusiast of the fan target.

Taking a book as an example, the author (license holder) licenses the publisher (commercialization department) to use the work. The publisher creates a book (product, etc.) and provides it to the bookstore (seller). Books are purchased by general readers (buyers) or by fans (fans) of the authors. The purchaser pays the bookstore. Bookstores pay publishers. The publisher pays the author.

As shown in FIG. 1 (b), the sale and purchase of goods and the like are carried out between the seller and the purchaser. It is difficult for publishers and authors to communicate directly with the purchaser who purchased the book. Therefore, the publisher puts a questionnaire postcard in a book, for example, and collects the questionnaire from the purchaser. However, it is usually the part of the bookwriter who actively mails the survey, such as enthusiastic fans or buyers who are dissatisfied with the product. In addition, even if the questionnaire postcard is mailed to the fans, it is only expected that the publisher will win a book ticket by lottery, and it is unclear whether their comments are conveyed to the fans.

According to the invention of the present application, as shown in FIGS. 1 (c) and 1 (d), direct communication between the fan and the licensee can be realized at the time of purchasing the product or the like.

As shown in FIG. 1 (c), products, etc. licensed by the licensee using cryptographic assets, etc. (for example, conventional virtual currency, cryptographic assets in the fund settlement method, electronic money, points, etc.) (hereinafter, "Fan value" (hereinafter, "fan currency"), which is the property value associated with (for example, products licensed by the licensee of character goods, concerts, etc.) (referred to as "fan products, etc.") Also called.) Is introduced. “Common value” (hereinafter, also referred to as “common currency”) is a property value that is not associated with fan products or the like. If the purchaser pays for the fan product etc. in a common currency, the payment information (for example, information that identifies the purchaser, information that identifies the seller, information that identifies the price, etc.) that is information about the payment is , Licensee (may include commercialization department) cannot use. On the other hand, if the purchaser pays for the fan product or the like in fan currency, the licensee (which may include the commercialization department) can use the payment information. That is, the fan may choose to communicate directly with the licensee by paying using the fan currency. Then, the licensee (which may include the commercialization department) can use the payment information (particularly information that can identify the purchaser) for marketing and the like. On the other hand, a general buyer can keep payment information (particularly information that can identify the purchaser) secret from the licensee by paying in a common currency.

In the local currency, the currency is tied to the place. The fan currency can be evaluated as being associated with a fan target (a specific person, character, etc.). By using the fan currency, the licensee can accurately grasp the information of the fan products and the like purchased by the fan. Furthermore, by instructing the licensee, for example, by giving preferential treatment to long-term holdings or short-term holdings of fan currencies held by fans, marketing according to the nature of the fan target will be realized. be able to.

Fan currency is issued for each fan target. The fan target may be, for example, a specific person as a unit, an idol group as a unit, or a company / company group to which an artist or the like belongs as a unit. For example, a fan currency targeting an electric power company may be issued.

For example, if the target is fans who are popular with children, it can be expected that the sales of fan products and the like can be promoted by giving preferential treatment to children who receive pocket money and purchase immediately. Therefore, for example, it is conceivable to give preferential treatment to short-term holding or increase the consideration for use. On the other hand, if the target of the fans is a company that manages many idol groups, it is desirable for the fans to be fans of the company continuously while changing the groups one after another. Therefore, it is conceivable to give preferential treatment to holding a company's fan currency for a long period of time. By introducing the fan currency, the licensee can realize a marketing strategy with a high degree of freedom.

Further, the fan may include a message to the licensee when paying the price of the fan product or the like by utilizing the fact that the payment information reaches the licensee if the payment is made in the fan currency. For example, fans of an idol group include fans of all members and fans of specific members. Traditionally, fans of a particular member have purchased goods related to that particular member to convey their support for that particular member. By paying in fan currency, even if you purchase goods for the entire group, you can convey the support for a specific member as a message.

In addition, as shown in FIG. 1 (d), the purchaser paid for the product, etc. on the condition that the purchaser was permitted to convey the payment information to the licensee (which may include the commercialization department) in advance. The payment information regarding the matter may be made available to the licensee (which may include the commercialization department).

Furthermore, regarding the consideration for the license, etc. (license fee, etc.), as shown in Fig. 1 (c), the licensee grants the payment of common currency, etc. via the seller / commercialization department, etc. as before. The right holder receives the consideration, and in the case of payment in fan currency, the seller may receive the consideration at the time when the purchaser pays, and the licensee may also receive the consideration. By using fan currency, management of license fees etc. can be simplified. Further, as shown in FIG. 1 (d), the licensee may receive the license via the seller, the commercialization department, or the like, as in the conventional case.

FIG. 2 is a block diagram showing an example of (a) configuration of the payment information management system according to the embodiment of the present invention, and (b) a flow diagram showing an example of operation. An example of the configuration and operation of the payment information management system 1 will be described with reference to FIG. The product or the like 17 is, for example, a fan product or the like provided with the permission of the licensee.

The payment information management system 201 includes a purchasing device 3, a sales device 5, a commercialization department device 7, a licensee device 9, a sales management server 11, a common currency management server 13, and a fan currency management server 15. Be prepared. These can be communicated via the Internet or a dedicated line.

The purchase device 3 is used by the purchaser of 17 products and the like. The purchase device 3 includes an asset management unit 21, a payment instruction unit 25, and a payment confirmation unit 26.

The sales device 5 is used by the seller of the product or the like 17. The sales device 5 includes an asset management unit 27, a product management unit 29, a product input unit 31, a payment request unit 33, and a payment confirmation unit 35.

The commercialization department device 7 is used by the commercialization department that commercializes 17 products and the like. The commercialization department device 7 includes an asset management unit 37.

The licensee device 9 is used by the licensee. The licensee device 9 includes an asset management unit 41.

The sales management server 11 supports the buying and selling of goods and the like 17 between the purchaser and the seller. The sales management server 11 includes a payment processing unit 45 (an example of the “payment processing unit” of the present invention).

The common currency management server 13 manages a book regarding the common currency of the purchaser, the seller, the commercialization department, and the licensee. The common currency management server 13 includes a book management unit 57 and a book processing unit 59. The book management unit 57 manages the purchaser book 61, the seller book 63, the commercialization department book 65, and the licensee book 67. The purchaser book 61, the seller book 63, the commercialization department book 65, and the licensee book 67 are books relating to the common currency of the purchaser, the seller, the commercialization department, and the licensee, respectively.

The fan currency management server 15 manages books related to fan currencies of purchasers, sellers, commercialization departments, and licensees. The fan currency management server 15 includes a book management unit 69 and a book processing unit 71. The book management unit 69 manages the purchaser book 73, the seller book 75, the commercialization department book 77, and the licensee book 79. The purchaser book 73, the seller book 75, the commercialization department book 77, and the licensee book 79 are books related to the fan currency of the purchaser, the seller, the commercialization department, and the licensee, respectively.

The fan currency is realized by using, for example, cryptographic assets, and is issued corresponding to each fan target. The fan currency management server 15 manages the fan currency corresponding to each fan target. In the following, for the sake of simplicity, it is assumed that there is only one fan target. The common currency may be realized by using cryptographic assets or the like, or may be realized by a conventional cashless payment.

In the purchase device 3, the asset management unit 21 instructs the common currency management server 13 to charge or withdraw the common currency managed in the purchaser book 61, transfer it to another person, and manage it in the purchaser book 61. You can browse the transaction history that you have. In the purchase device 3, the asset management unit 21 instructs the common currency management server 13 to hold the common currency managed in the purchaser book 61. For example, the purchaser inputs an amount into the asset management unit 21 of the purchasing device 3. The purchaser's bank account, credit card, or the like is designated in advance in the asset management unit 21 of the purchase device 3. The asset management unit 21 of the purchasing device 3 instructs the common currency management server 13 to charge the amount of money input from a bank account or credit card designated in advance. The book processing unit 59 performs a process of charging the input amount in cooperation with a server or the like that manages a bank account or a credit card designated in advance, and increases the common currency managed in the purchaser book 61. Let me.

In addition, the asset management unit 21 instructs the fan currency management server 15 to charge and withdraw the fan currency managed in the purchaser book 73, browse the transaction history managed in the purchaser book 73, and the like. Can be done. The fan currency managed by the purchaser book 73 can be increased / decreased or paid according to the holding period, for example, according to the instructions of the asset management unit 37 of the commercialization department device 7 and / or the asset management unit 41 of the licensee device 9. It is possible to give back according to the amount. The fan currency of the purchaser book 73 may not be payable except for the amount directly charged by the purchaser, or may be reduced according to the payout.

In the purchase device 3, the payment instruction unit 25 instructs the sales management server 11 to approve the payment of the price of the product or the like 17 in response to the operation of the purchaser. The payment confirmation unit 26 confirms that the payment has been made.

In the sales device 5, the asset management unit 27 instructs the common currency management server 13 to pay out the common currency managed in the seller book 63, transfer the common currency to the commercialization department, and manage the common currency in the seller book 63. You can browse the transaction history that you have.

In addition, the asset management unit 27 can instruct the fan currency management server 15 to pay out the fan currency managed in the seller book 75, browse the transaction history managed in the seller book 75, and the like. The fan currency managed by the seller's book 75 is promoted by increasing or decreasing in conjunction with sales, etc., according to the instructions of the asset management unit 37 of the commercialization department device 7 and / or the asset management unit 41 of the licensee device 9. Can be used for.

The product management department 29 determines the price of the product, etc. 17, whether or not the product, etc. 17 is a fan product, etc., and if it is a fan product, etc., the seller / commercialization department and the licensee according to the product, etc. It manages predetermined distribution information (for example, distribution amount, distribution ratio, etc.) with and.

The product input unit 31 inputs information about the product or the like 17 that the purchaser wishes to purchase. For example, a barcode or tag is read on a product or the like 17, or a service or the like instructed by a purchaser is specified in the case of online transactions. The payment requesting unit 33 transmits to the sales management server 11 information indicating the price of the product or the like 17, whether or not the product or the like 17 is a fan product or the like, and distribution information when the product or the like is a fan product or the like. , Request payment from the purchaser. The payment confirmation unit 235 confirms that the payment has been made.

In the commercialization department device 7, the asset management unit 37 instructs the common currency management server 13 to pay out the common currency managed in the commercialization department book 65, transfer the common currency to the licensee, and the commercialization department. It is possible to browse the transaction history managed in the book 65. The asset management unit 37 can instruct the fan currency management server 15 to pay out the fan currency managed in the commercialization department book 77, browse the transaction history managed in the commercialization department book 77, and the like. ..

In the licensee device 9, the asset management unit 41 instructs the common currency management server 13 to pay out the common currency managed by the licensee book 67 and view the transaction history managed by the licensee book 67. And so on. The asset management unit 41 can instruct the fan currency management server 15 to pay out the fan currency managed by the licensee book 79, view the transaction history managed by the licensee book 79, and the like.

In the sales management server 11, the payment processing unit 45 pays the price from the purchaser to the seller by requesting the payment by the payment requesting unit 33 of the selling device 5 and permitting the payment by the payment instruction unit 25 of the purchasing device 3. Is processed.

The book processing unit 59 of the common currency management server 13 processes the books managed by the book management unit 57.

The book processing unit 71 of the fan currency management server 15 processes the books managed by the book management unit 69.

An example of the operation of the payment information management system 1 will be described with reference to FIG. 2 (b).

In the sales management server 11, the payment processing unit 45 determines whether or not the payment request unit 33 of the sales device 5 has made the payment request and the payment instruction unit 25 of the purchase device 3 has permitted the payment (step STA1). .. Wait until the payment request and payment permission are made, and when the payment request and payment permission are made, the payment processing unit 45 determines whether or not the fan product or the like can be paid in the fan currency (step STA2). If it is not a fan product, the process proceeds to step STA4. If it is a fan product or the like, it is determined in the purchaser book 73 of the fan currency management server 15 whether or not the purchaser has the fan currency corresponding to the payment amount (step STA3). If the purchaser does not have the fan currency corresponding to the payment amount, the process proceeds to step STA4. If you have the fan currency corresponding to the payment amount, proceed to step STA5.

In step STA4, the payment processing unit 45 instructs the book processing unit 59 of the common currency management server 13 to reduce the price from the common currency managed in the purchaser book 61 and manages it in the seller book 63. The price is increased to the common currency, the payment is performed, the payment confirmation unit 26 of the purchase device 3 and the payment confirmation unit 35 of the sales device 5 are notified, and the process returns to step STA1.

In step STA5, the payment processing unit 45 instructs the book processing unit 71 of the fan currency management server 15 to reduce the price from the fan currency managed by the purchaser book 73. Then, the fan currency of the price is distributed to the seller book 75, the commercialization department book 77, and the licensee book 79 according to the distribution information (step STA6), and the process returns to step STA1.

The purchaser may operate the purchase device 3 to allow the payment instruction unit 25 to pay the price including the message information. When the payment processing unit 45 receives the message information from the payment instruction unit 25 and distributes the fan currency to the licensee book 79 in step STA 6, the payment processing unit 45 may include the message information in addition to the deposit of the fan currency. This can be achieved by technologies such as blockchain. Further, in step STA3, for example, the purchaser may be asked whether or not to make a payment in the fan currency, and when making a payment in the fan currency, it is confirmed whether or not to replenish the balance if the balance is insufficient. You may pay or make up for the shortfall with a common currency.

The asset management unit 27 of the sales device 5 instructs the common currency management server 13 to pay the goods and the like 17 from the seller book 63 to the commercialization department book 65 in the common currency. The asset management unit 37 of the commercialization department device 7 instructs the common currency management server 13 to pay the license fee and other consideration for the goods 17 from the commercialization department book 65 to the licensee book 67 in the common currency. Do. This is the same as before, and the payment is changed according to the license agreement and so on.

The asset management unit 41 of the licensee device 9 can view the transaction history managed by the licensee book 67 of the common currency management server 13 and the licensee book 79 of the fan currency management server 15. The transaction history of the licensee book 67 does not include information about the purchaser because the common currency is deposited via the seller book 63 and the commercialization department book 65. On the other hand, since the fan currency is deposited from the purchaser's book 73 in the transaction history of the licensee's book 67, information about the purchaser can be directly obtained.

FIG. 3 is a block diagram showing an example of (a) another configuration of the payment information management system according to the embodiment of the present invention, and (b) a flow diagram showing an example of the operation. An example of the configuration and operation of the payment information management system 101 will be described with reference to FIG. The product or the like 117 is, for example, a fan product or the like provided with the permission of the licensee.

The payment information management system 101 includes a purchasing device 103, a sales device 105, a commercialization department device 107, a licensee device 109, a sales management server 111, a common currency management server 113, and a fan currency management server 115. Be prepared. These can be communicated via the Internet or a dedicated line.

The purchase device 103 is used by the purchaser of the product or the like 117. The purchase device 103 includes an asset management unit 121, a payment instruction unit 125, and a payment confirmation unit 126.

The sales device 105 is used by the seller of the product or the like 117. The sales device 105 includes an asset management unit 127, a product management unit 129, a product input unit 131, a payment request unit 133, a payment confirmation unit 135, and an access unit 136.

The commercialization department device 107 is used by the commercialization department of 117 products and the like. The commercialization department device 107 includes an asset management unit 137 and an access unit 139.

The licensee device 109 is used by the licensee. The licensee device 109 includes an asset management unit 141 and an access unit 143.

The sales management server 111 supports the buying and selling of products and the like 117 between the purchaser and the seller. The sales management server 111 includes a payment processing unit 145 (an example of the "payment processing unit" of the present invention), a payment information management unit 147, an access control unit 149, and a payment information storage unit 151. The payment information storage unit 151 stores the common payment information group 153 and the fan payment information group 155.

The common currency management server 113 manages books related to the assets of the purchaser, the seller, the commercialization department, and the licensee. The common currency management server 113 includes a book management unit 157 and a book processing unit 159. The book management unit 157 manages the purchaser book 161, the seller book 163, the commercialization department book 165, and the licensee book 167. The purchaser book 161, the seller book 163, the commercialization department book 165, and the licensee book 167 are books relating to the assets of the purchaser, the seller, the commercialization department, and the licensee, respectively.

In the purchase device 103, the asset management unit 121 can instruct the common currency management server 113 to charge, pay out, pay the price, and the like of the assets managed in the purchaser book 161.

In addition, the asset management unit 121 can instruct the fan currency management server 115 to charge, pay out, and pay the price of the fan currency managed in the purchaser book 173. The fan currency managed by the purchaser book 173 can be increased or decreased by the instruction of the asset management unit 137 of the commercialization department device 107 and / or the asset management unit 141 of the licensee device 109.

The payment instruction unit 125 instructs the sales management server 111 to approve the payment of the price of the product or the like 117 in response to the operation of the purchaser. The payment confirmation unit 126 confirms that the payment has been made.

In the sales device 105, the asset management unit 127 can instruct the common currency management server 113 to pay out the common currency managed in the seller's books 163, transfer the common currency to the commercialization department, and the like.

In addition, the asset management unit 127 can instruct the fan currency management server 115 to charge or withdraw the fan currency managed in the seller's book 175, transfer the fan currency to the commercialization department, and the like.

The product management unit 129 manages information for specifying the price of the product or the like 117 and whether or not the product or the like 117 is a fan product or the like.

The product input unit 131 inputs information about the product or the like 117 that the purchaser wishes to purchase. The payment requesting unit 133 transmits to the sales management server 111 the information for specifying the price of the input product, etc. 117 and whether or not the product, etc. 117 is a fan product, etc., and pays the purchaser. To charge. The payment confirmation unit 135 confirms that the payment has been made.

The access unit 136 accesses the information stored in the sales management server 111.

In the commercialization department device 107, the asset management unit 137 instructs the common currency management server 113 to pay out the common currency managed in the commercialization department book 165, transfer the common currency to the licensee, and the like. Can be done. In addition, the asset management unit 137 can instruct the fan currency management server 115 to pay out the fan currency managed in the commercialization department book 177, transfer the fan currency to the licensee, and the like. The access unit 139 accesses the information stored in the sales management server 111.

In the licensee device 109, the asset management unit 141 can instruct the common currency management server 113 to pay out the common currency managed in the licensee book 167. In addition, the asset management unit 141 can instruct the fan currency management server 115 to pay out the fan currency managed in the licensee book 179. The access unit 143 accesses the information stored in the sales management server 111.

In the sales management server 111, the payment processing unit 145 pays the price from the purchaser to the seller by the payment request unit 133 of the sales device 105 and the payment permission of the payment instruction unit 125 of the purchase device 103. Is processed. The payment information management unit 147 manages information related to payment of payment. The access control unit 149 controls access to the information stored in the payment information storage unit 151 by the access unit 136 of the sales device 105, the access unit 139 of the commercialization department device 107, and the access unit 143 of the licensee device 109. ..

The book processing unit 159 of the common currency management server 113 performs processing on the books managed by the book management unit 157.

The book processing unit 171 of the fan currency management server 115 processes the books managed by the book management unit 169.

An example of the operation of the payment information management system 101 will be described with reference to FIG. 3 (b).

In the sales management server 111, the payment processing unit 145 determines whether or not the payment request unit 133 of the sales device 105 and the payment instruction unit 125 of the purchase device 103 are permitted to pay the price (step STB1). .. Wait until the payment request and payment permission are made, and when the payment request and payment permission are made, the payment processing unit 145 determines whether or not the payment is possible in the fan currency for the fan product or the like (step STB2). If it is not a fan product, the process proceeds to step STB4. If it is a fan product or the like, it is determined in the purchaser book 173 of the fan currency management server 115 whether or not the purchaser has the fan currency corresponding to the payment amount (step STB3). If the purchaser does not have the fan currency corresponding to the payment amount, the process proceeds to step STB4. If you have the fan currency corresponding to the payment amount, proceed to step STB6.

In step STB4, the payment processing unit 145 instructs the book processing unit 159 of the common currency management server 113 to reduce the price from the common currency managed in the purchaser book 161 and manages it in the seller book 163. The price is increased to the common currency, the payment is processed, and the payment confirmation unit 126 of the purchase device 103 and the payment confirmation unit 135 of the sales device 105 are notified. The common payment information regarding payment is generated, included in the common payment information group 153 of the payment information storage unit 151 (step STB5), and the process returns to step STB1.

In step STB6, the payment processing unit 145 instructs the book processing unit 171 of the fan currency management server 115 to reduce the price from the fan currency managed in the purchaser book 173 and manages it in the seller book 175. The price is increased to the fan currency, the payment is processed, and the payment confirmation unit 126 of the purchase device 103 and the payment confirmation unit 135 of the sales device 105 are notified. The fan payment information related to the payment is generated, included in the fan payment information group 155 of the payment information storage unit 151 (step STB7), and the process returns to step STB1.

The notification management unit 23 may be able to manage the message information in addition to the notification permission, and the fan payment information generated in step STB7 may include the message information in addition to the payment information such as the price. ..

When the access control unit 149 requests access to the information stored in the payment information storage unit 151 from the access unit 143 of the licensee device 109, the access control unit 149 does not allow access to the common payment information group 153 and is a fan. Allow access to payment information group 155. When the access unit 136 of the sales device 105 requests access to the information stored in the payment information storage unit 151, the access to the common payment information group 153 and the access to the fan payment information group 155 are permitted. When there is an access request for the information stored in the payment information storage unit 151 from the access unit 139 of the commercialization department device 107, the range of permission is preset according to the business relationship between the commercialization department and the seller. For example, when the seller has a close relationship such as a directly managed store in the commercialization department, access is permitted to both the common payment information group 153 and the fan payment information group 155. For example, if the seller and the commercialization department are not close to each other as if they are separate companies on an equal footing, access to the common payment information group 153 is not permitted, and access to the fan payment information group 155 is permitted.

The asset management unit 127 of the sales device 105 instructs the common currency management server 113 and the fan currency management server 115, from the seller books 163 and 175 to the commercialization department books 65 and 177, respectively, for the common currency and the goods 117. Make payments in fan currency. The asset management unit 137 of the commercialization department device 107 instructs the common currency management server 113 and the fan currency management server 115, respectively, from the commercialization department books 165 and 177 to the licensee books 167 and 179, and the goods, etc. 117. Payment will be made in common currency and fan currency for consideration such as license fees. This is the same as before, and the payment is changed according to the license agreement and so on.

FIG. 4 is a block diagram showing an example of (a) another configuration of the payment information management system according to the embodiment of the present invention, and (b) a flow diagram showing an example of the operation. An example of the configuration and operation of the payment information management system 1 will be described with reference to FIG. The product or the like 217 is, for example, a fan product or the like provided with the permission of the licensee.

The payment information management system 201 includes a purchasing device 203, a sales device 205, a commercialization department device 207, a licensee device 209, a sales management server 211, and an asset management server 213. These can be communicated via the Internet or a dedicated line.

The purchase device 203 is used by the purchaser of the product or the like 217. The purchase device 203 includes an asset management unit 221, a notification management unit 223, a payment instruction unit 225, and a payment confirmation unit 226.

The sales device 205 is used by the seller of the product or the like 217. The sales device 205 includes an asset management unit 227, a product management unit 229, a product input unit 231, a payment request unit 233, a payment confirmation unit 235, and an access unit 236.

The commercialization department device 207 is used by the commercialization department of 217 products and the like. The commercialization department device 207 includes an asset management unit 237 and an access unit 239.

The licensee device 209 is used by the licensee. The licensee device 209 includes an asset management unit 241 and an access unit 243.

The sales management server 211 supports the buying and selling of goods and the like 17 between the purchaser and the seller. The sales management server 211 includes a payment processing unit 245 (an example of the "payment processing unit" of the present invention), a payment information management unit 247, an access control unit 249, and a payment information storage unit 251. The payment information storage unit 251 stores the common payment information group 253 and the fan payment information group 255.

The asset management server 213 manages books related to the assets of the purchaser, the seller, the commercialization department, and the licensee. The asset management server 213 includes a book management unit 257 and a book processing unit 259. The book management unit 257 manages the purchaser book 261 and the seller book 263, the commercialization department book 265, and the licensee book 267. The purchaser book 261 and the seller book 263, the commercialization department book 265 and the licensee book 267 are books relating to the assets of the purchaser, the seller, the commercialization department and the licensee, respectively.

In the purchase device 203, the asset management unit 221 instructs the asset management server 213 to charge the assets managed in the purchaser book 261 from a pre-designated bank account or the like, or a pre-designated bank account or the like. You can pay out or pay for it.

The notification management unit 223 instructs whether or not to allow at least direct access by the licensee to the payment of the fan product or the like according to the operation of the purchaser.

The payment instruction unit 225 instructs the sales management server 211 to approve the payment of the price of the product or the like 217 in response to the operation of the purchaser. The payment confirmation unit 226 confirms that the payment has been made.

In the sales device 205, the asset management unit 227 can instruct the asset management server 213 to pay out the assets managed in the seller's books 263, transfer them to the commercialization department, and the like. The product management unit 229 manages information for specifying the price of the product or the like 217 and information regarding whether or not the product or the like 217 is a fan product or the like. The product input unit 231 inputs information regarding the product or the like 217 that the purchaser wishes to purchase. The payment requesting unit 233 requests the purchaser to pay by transmitting the information for specifying the price of the product or the like 217 input to the sales management server 211 and the information regarding whether or not the product is a fan product or the like. .. The payment confirmation unit 235 confirms that the payment has been made. The access unit 236 accesses the information stored in the sales management server 211.

In the commercialization department device 207, the asset management unit 237 can instruct the asset management server 213 to pay out the assets managed in the commercialization department book 265, transfer them to the licensee, and the like. The access unit 239 accesses the information stored in the sales management server 211.

In the licensee device 209, the asset management unit 241 can instruct the asset management server 213 to pay out the assets managed in the licensee book 267. The access unit 243 accesses the information stored in the sales management server 211.

In the sales management server 211, the payment processing unit 245 pays the price from the purchaser to the seller by requesting the price by the payment request unit 235 of the sales device 205 and permitting the payment by the payment instruction unit 225 of the purchase device 203. Is processed. The payment information management unit 247 manages payment information related to payment of payment. The access control unit 249 controls access to the information stored in the payment information storage unit 251 by the access unit 236 of the sales device 205, the access unit 239 of the commercialization department device 207, and the access unit 243 of the licensee device 209. ..

The book processing unit 259 of the asset management server 213 processes the books managed by the book management unit 257.

An example of the operation of the payment information management system 201 will be described with reference to FIG. 4 (b).

In the sales management server 211, the payment processing unit 245 determines whether or not the payment request unit 233 of the sales device 205 and the payment instruction unit 225 of the purchase device 203 are permitted to pay the price (step STB1). .. It waits until the price request and payment permission are made, and when the price request and payment permission are made, it is determined whether or not the product or the like 217 is a fan product or the like (step STB2). If it is not a fan product, the process proceeds to step STC4. If it is a fan product or the like, it is determined whether or not access to the payment information to the licensee is permitted (step STB3). If not permitted, the process proceeds to step STC4. If permitted, the process proceeds to step STC6.

In step STC4, the payment processing unit 245 instructs the book processing unit 259 to reduce the price from the assets managed by the purchaser book 261 and increase the price to the assets managed by the seller book 263. , The payment process is performed, and the payment confirmation unit 226 of the purchase device 203 and the payment confirmation unit 235 of the sales device 205 are notified. The payment processing unit 245 generates common payment information regarding payment, includes it in the common payment information group 253 of the payment information storage unit 251 (step STC5), and returns to step STC1.

In step STC6, the payment processing unit 245 instructs the book processing unit 259 to reduce the price from the assets managed in the purchaser book 261 and increase the price to the assets managed in the seller book 263. , The payment process is performed, and the payment confirmation unit 226 of the purchase device 203 and the payment confirmation unit 235 of the sales device 205 are notified. The payment processing unit 245 generates fan payment information regarding payment, includes it in the fan payment information group 255 of the payment information storage unit 251 (step STC7), and returns to step STC1.

The notification management unit 223 may be able to manage the message information in addition to the permission / rejection of the notification, and the fan payment information generated in step STC7 may include the message information in addition to the payment information.

When the access control unit 249 requests access to the information stored in the payment information storage unit 251 from the access unit 243 of the licensee device 209, the access control unit 249 does not allow access to the common payment information group 253 and is a fan. Allow access to payment information group 255. When the access unit 236 of the sales device 205 requests access to the information stored in the payment information storage unit 251, the access to the common payment information group 253 and the access to the fan payment information group 255 are permitted. When there is an access request from the access unit 239 of the commercialization department device 207 to the information stored in the payment information storage unit 251, the common payment information group 253 is also set by the access setting based on the business relationship between the commercialization department and the seller. Access to the fan payment information group 55 is also permitted, access is not permitted to the common payment information group 253, and access to the fan payment information group 255 is permitted.

The asset management unit 227 of the sales device 205 instructs the asset management server 213 to pay the goods and the like 217 from the seller's book 263 to the commercialization department book 265 by assets. The asset management unit 237 of the commercialization department device 207 instructs the asset management server 213 to pay the license fee and the like for the goods and the like 217 from the commercialization department book 265 to the licensee book 267. This is the same as before, and the payment is changed according to the license agreement and so on.

1,101,201 Payment information management system, 3,103,203 Purchasing equipment, 5,105,205 Sales equipment, 7,107,207 Commercialization department equipment, 9,109,209 Licensee equipment, 11,111, 211 Sales Management Server, 13,113 Common Currency Management Server, 15,115 Fan Currency Management Server, 17,117,217 Products, etc. 21,27,37,41,121,127,137,141,221,227,237 , 241 Asset Management Department, 25,125,225 Payment Support Department, 26,35,126,135,226,235 Payment Confirmation Department, 29,129,229 Product Management Department, 31,131,231 Product Input Department, 33, 133,235 Payment Request Department, 45,145,245 Payment Processing Department, 57,157 Common Currency Book Management Department, 59,71,159,171,259 Book Processing Department, 61,73,161,173,261 Buyer Books , 63,75,163,175,263 Seller books, 65,77,165,177,265 Commercialization department books, 67,79,167,179,267 Licensee books, 69,169 Fan currency books management department, 136,139,143,236,239,243 Access unit, 147,247 Payment information management unit, 149,249 Access control unit, 151,251 Payment information storage unit, 153,253 Common payment information group, 155,255 Fan payment Information group, 213 Asset management server, 223 Notification management department, 257 Book management department

Claims (7)

A payment information management system that manages payment information related to payments made by purchasers to goods and / or services.
It is equipped with a sales management server , a sales device, and a licensee device used by the licensee.
The sales management server includes a payment processing unit that processes payments for the goods and / or services by the purchaser, and an access control unit .
The sales device includes a product management unit and has a product management unit.
The licensee device includes an access unit.
The product management department manages information indicating whether or not the product and / or service is provided with the permission of the licensee.
The payment processing unit, when the goods and / or the service in the information that the commodity management unit to manage the payment subject to the purchaser is one that has been provided on the basis of permission of the licensee, By the operation of the purchaser, it is determined whether or not the payment is such that the licensee can access the payment information, and the payment process is performed to generate the payment information .
The access control unit may refer to the access unit.
Allowing the licensor to access the payment information for payments that can access the payment information
A payment information management system that prohibits access to the payment information for payments for which the licensee cannot access the payment information. It is also different from the fan value that the purchaser pays for the goods and / or the service created with the permission of the licensee by using the fan value corresponding to the licensee. It is also possible to pay by common value,
When the goods and / or the services are provided with the permission of the licensee.
If the purchaser pays at the fan value, the payment processing unit determines that the payment is such that the licensee can access the payment information.
The payment information management system according to claim 1, wherein if the purchaser pays with the shared value, the payment processing unit determines that the payment is such that the licensee cannot access the payment information. The purchaser can specify message information when paying at the fan value.
If the goods and / or the services are provided with the permission of the licensee and the purchaser pays at the fan value, the payment processing unit will generate payment information. The payment information management system according to claim 2, which includes the message information. The payment information management system according to claim 2 or 3, wherein at least the fan value is realized by a cryptographic asset. The purchaser can specify whether or not to make the payment information accessible to the licensee for the goods and / or the service created with the permission of the licensee.
When the goods and / or the services are created with the permission of the licensee.
If the purchaser specifies that the payment can be accessed, the payment processing unit determines that the payment is such that the licensee can access the payment information.
The payment according to any one of claims 1 to 4, wherein the payment processing unit determines that the payment is such that the licensee cannot access the payment information if the purchaser does not specify that the payment is accessible. Information management system. A payment information management method in a payment information management system that manages payment information related to payments made by a purchaser to goods and / or services.
The payment information management system includes a sales management server , a sales device, and a licensee device used by the licensee .
The sales management server includes a payment processing unit that processes payments for the goods and / or services by the purchaser, and an access control unit .
The sales device includes a product management unit and has a product management unit.
The licensee device includes an access unit.
The product management department manages information indicating whether or not the product and / or service is provided with the permission of the licensee.
If the commodity management unit is one in which the goods and / or the services that are the payment subject to the purchaser is in information management was provided on the basis of permission of the licensee, the payment processing unit, A step of determining whether or not the payment is such that the licensee can access the payment information by the operation of the purchaser, performing the payment processing, and generating the payment information.
The access control unit refers to the access unit.
Allowing the licensor to access the payment information for payments that can access the payment information
A payment information management method comprising the step of prohibiting access to the payment information for payments for which the licensee cannot access the payment information. A program for causing a computer to function as the sales management server according to any one of claims 1 to 5.

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