JP7111560B2 - PAYMENT AGENT DEVICE, PAYMENT SYSTEM, PAYMENT METHOD, AND PROGRAM - Google Patents

Description

The present invention relates to a payment agency device, a settlement system, a settlement method, and a program.

2. Description of the Related Art In recent years, card payment, in which a payment card such as a credit card is used for transactions, is widely used. In a conventional settlement system using card settlement such as credit settlement, advance payment is made to the seller upon request from the seller (supplier), and the buyer (buyer) settles the settlement by deferred payment. In order to use credit card settlement, the seller paid the credit card company a settlement fee (see, for example, Patent Document 1).

JP 2017-37591 A

However, in the conventional payment system, the above mechanism in which the seller (supplier) bears the payment fee at the request of the seller is a factor preventing inter-company transactions using card payment from spreading. In addition, in conventional payment systems, if payment is requested by the buyer and the payment is made after payment, if it is regarded as a loan or fund transfer, multiple documents to be submitted and restrictions on the transaction amount will be imposed. There were restrictions on

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems, and its object is to provide a payment agency device, a payment system, a payment method, and a program that can increase the use of card payment transactions between companies. be.

In order to solve the above problem, one aspect of the present invention is a payment agent application including sales contract information indicating a sales contract between a seller and a buyer, the payment agent application indicating an application for payment agent from the buyer. an application acquisition unit that acquires an application; and an advance payment process that pays the seller a payment amount corresponding to the sales contract in advance according to the payment proxy application acquired by the application acquisition unit; a payment agency processing unit that executes collection processing for collecting the collection amount corresponding to the sales contract from the buyer's account on a predetermined date after obtaining the payment agency application , wherein the payment agency processing unit receives the settlement card Equivalent to a member store of a card company that conducts card settlement by a virtual member that requests the card company to collect the collected amount and requests the financial institution to pay the payment amount in the card settlement. A process of functioning as a store and, in the collection process, as the virtual member store instead of the seller, using card payment with the payment card via the card company, and collecting the collected amount from the buyer's account. is a payment agency apparatus characterized by executing

Further, in one aspect of the present invention, in the payment agent apparatus described above, the application obtaining unit includes firm banking data obtained from a transaction processing apparatus that provides an electronic commerce service between companies as the sales contract information. A proxy application is obtained from the buyer terminal, which is the buyer's terminal, and the proxy payment processing unit executes the replacement payment processing and the collection processing corresponding to the sales contract indicated by the firm banking data. and

Further, in one aspect of the present invention, in the payment agent apparatus described above, the application obtaining unit obtains transaction information between the seller and the buyer obtained from a transaction processing apparatus that provides an electronic commerce service between companies. It is characterized in that the payment proxy application included as the sales contract information is acquired.

In one aspect of the present invention, in the proxy payment device, the application acquisition unit transmits the proxy payment application including image data indicating the sales contract as the sales contract information to the buyer side, which is the buyer's terminal. Acquired from the terminal, the payment proxy processing unit executes the replacement payment processing and the collection processing corresponding to the sales contract indicated by the image data.

Further, according to one aspect of the present invention, in the proxy payment device, the proxy payment processing unit pays the credit card company the payment amount on behalf of the account of the seller in the replacement payment process. It is characterized by making a request.

In one aspect of the present invention, in the proxy payment device, the payment proxy processing unit calculates the collection amount based on the transaction amount and a settlement fee corresponding to the transaction amount of the sales contract. characterized by

Further, according to one aspect of the present invention, in the above-described proxy payment device, the payment proxy device includes a fee distribution unit that sets the settlement fee by distributing it between the buyer's portion and the seller's portion, and the payment proxy processing unit performs the replacement payment. In the process, the payment amount obtained by subtracting the seller's share from the transaction amount is transferred to the seller's account, and in the collection process, the transaction amount plus the buyer's share is added to the collection amount. It is characterized by executing a process of collecting from the buyer's account.

Further, according to one aspect of the present invention, in the above-described proxy payment device, a deposit fee setting unit for setting a deposit fee to the seller according to a change in the deposit due date to be paid to the seller by the advance payment process. In addition, when the payment due date is changed, the proxy payment processing unit changes the payment amount calculated based on the transaction amount of the sales contract and the deposit fee in the replacement payment process. It is characterized by executing a process of transferring money to the seller's account on the payment date.

Further, one aspect of the present invention includes a transaction processing device that provides a business-to-business electronic commerce service, and a payment agency device, wherein the payment agency device provides a transaction between a seller and a buyer contracted by the transaction processing device. an application acquisition unit for acquiring a proxy payment application including sales contract information indicating a sales contract of the buyer, the payment proxy application indicating the payment proxy application from the buyer; and the payment proxy application acquired by the application acquisition unit In response, an advance payment process is executed to pay the seller the payment amount corresponding to the sales contract on behalf of the seller, and on a predetermined date after the acquisition of the payment proxy application, the collection amount corresponding to the sales contract is collected. a payment agency processing unit that executes collection processing for collecting from the buyer's account, the payment agency processing unit corresponds to a member store of a card company that performs card settlement using a settlement card, and in the card settlement, the collection It functions as a virtual member store that requests the card company to collect the amount and requests the financial institution to pay the payment amount. The settlement system is characterized by executing a process of recovering the collected amount from the buyer's account using card settlement with the settlement card via the card company .

In one aspect of the present invention, the application acquiring unit is a payment proxy application including sales contract information indicating a sales contract between a seller and a buyer, the payment proxy application indicating an application for payment proxy from the buyer. and a payment agency processing unit, in accordance with the payment agency application acquired by the application acquisition step, paying the seller a payment amount corresponding to the sales contract on behalf of the seller. and a payment proxy processing step of executing a collection process of collecting the collection amount corresponding to the sales contract from the buyer's account on a predetermined date after obtaining the payment proxy application , wherein the payment In the proxy processing step, the payment proxy processing unit corresponds to a member store of a card company that performs card settlement using a settlement card, and in the card settlement, requests the card company to collect the collected amount, and performs the payment. It functions as a virtual member store that requests payment of an amount to a financial institution, and in the collection process, uses card settlement with the settlement card via the card company as the virtual member store instead of the seller. , a settlement method characterized by executing a process of recovering the collected amount from the buyer's account .

In one aspect of the present invention, a computer acquires a proxy payment application including sales contract information indicating a sales contract between a seller and a buyer, the payment proxy application indicating the payment proxy application from the buyer. an application obtaining step for obtaining an application for payment, and in accordance with the payment proxy application obtained by the application obtaining step, executing advance payment processing for paying the seller a payment amount corresponding to the sales contract on behalf of the seller; a payment proxy processing step for executing collection processing for collecting the collected amount corresponding to the sales contract from the buyer's account on a predetermined date after obtaining the application; A virtual member store that corresponds to a member store of a card company that performs card settlement, and requests the card company to collect the collected amount and requests the financial institution to pay the payment amount in the card settlement. and in the recovery process, as the virtual member store instead of the seller, using card settlement with the settlement card via the card company, the collection amount is collected from the buyer's account. It is a program to run .

According to the present invention, the use of card settlement transactions between companies can be increased.

1 is a block diagram showing an example of a settlement system according to a first embodiment; FIG. It is a figure which shows the data example which the transaction information storage part in 1st Embodiment memorize|stores. It is a figure which shows the data example which the charge memory|storage part in 1st Embodiment memorize|stores. It is a figure which shows the example of the data which the settlement-of-accounts storage part in 1st Embodiment memorize|stores. It is a figure which shows the example of the data which the monthly charge memory|storage part in 1st Embodiment memorize|stores. It is a figure which shows the data example which the early deposit fee memory|storage part in 1st Embodiment memorize|stores. It is a figure explaining an example of operation|movement of the payment agent processing of the settlement system by 1st Embodiment. FIG. 7 is a diagram illustrating an example of application processing for proxy payment by the proxy payment server according to the first embodiment; FIG. 10 is a diagram showing an example of an upload screen of FB data in a proxy payment application according to the first embodiment; It is a figure which shows an example of the application screen of the payment agency by 1st Embodiment. 4 is a flow chart showing an example of payment proxy processing of the payment proxy server according to the first embodiment; FIG. 4 is a diagram for explaining an example of the operation of the payment proxy processing of the payment proxy server according to the first embodiment; It is a block diagram showing an example of a settlement system according to a second embodiment. It is a figure explaining an example of operation|movement of the payment proxy process of the payment system by 2nd Embodiment. It is a block diagram showing an example of a settlement system according to a third embodiment. It is a figure explaining an example of operation|movement of the payment agent process of the settlement system by 3rd Embodiment. It is a block diagram showing an example of a settlement system according to a fourth embodiment. It is a figure explaining an example of operation|movement of the payment agent processing of the settlement system by 4th Embodiment.

DESCRIPTION OF THE PREFERRED EMBODIMENTS A payment agency device and a settlement system according to one embodiment of the present invention will be described below with reference to the drawings.

[First embodiment]
FIG. 1 is a block diagram showing an example of a settlement system 100 according to the first embodiment.
As shown in this figure, the settlement system 100 according to this embodiment comprises a payment proxy server 1, a buyer terminal 2, a supplier terminal 3, a card company server 4, and a transaction processing server 5. The payment proxy server 1, the buyer terminal 2, the supplier terminal 3, the card company server 4, and the transaction processing server 5 can be connected to each other via the network NW1.

Although not shown in the example shown in FIG. 1 for the sake of explanation, the payment system 100 can include a plurality of buyer terminals 2 and supplier terminals 3, respectively.
In addition, in the present embodiment, for example, an example of a payment card used for card transactions such as credit cards (including purchasing cards), debit cards, and prepaid cards, and transactions using a virtual payment number using a card transaction mechanism , a settlement system 100 using a credit card will be described.

A buyer terminal 2 (an example of a buyer's terminal) is a terminal device owned by a buyer who is a buyer in transactions between companies. The buyer terminal 2 connects to, for example, the transaction processing server 5 and the proxy payment server 1 via the network NW1 by the operation of the buyer, and makes a transaction contract between the buyer and the supplier and requests payment proxy (application for payment proxy). etc. The buyer terminal 2 also has an input section 21 and a display section 22 .
In this embodiment, a supplier is a seller who sells products, and a buyer is a buyer who purchases products. Also, the buyer is a member of a payment agency service contracted with a card company that performs card settlement using a settlement card.

The input unit 21 is, for example, a keyboard and a mouse, and receives various necessary information from the user (buyer) of the buyer terminal 2 .
The display unit 22 (an example of the output unit) is, for example, a display device such as a liquid crystal display, and displays various information. The display unit 22 displays, for example, various display screens in electronic commerce services using the transaction processing server 5 and various display screens in payment proxy services using the payment proxy server 1 .

The supplier terminal 3 (an example of a seller terminal) is a terminal device owned by a supplier who is a seller in transactions between companies. The supplier terminal 3 is operated by the supplier to connect to, for example, the transaction processing server 5 and the payment agent server 1 via the network NW1, and perform the transaction contract between the buyer and the supplier and approval of the payment agent. The supplier terminal 3 also includes an input section 31 and a display section 32 .

The input unit 31 is, for example, a keyboard and a mouse, and receives various necessary information from the user (supplier) of the supplier terminal 3 .
The display unit 32 (an example of the output unit) is, for example, a display device such as a liquid crystal display, and displays various information. The display unit 32 displays, for example, various display screens in electronic commerce services using the transaction processing server 5 and various display screens in payment proxy services using the payment proxy server 1 .

The card company server 4 is a server device owned by a card company that issues credit cards and manages credit card usage limits and the like, and manages the issued credit cards. Here, the card company is a company that performs card settlement using a credit card (settlement card), and includes, for example, a card issuing company (issuer) and a member store management company (acquirer). The card company server 4, for example, manages the credit limit of each credit card, accepts a credit confirmation request to confirm whether settlement using the credit of the credit card is possible, and sends the confirmation result to the requester. Send.

In addition, the card company server 4, upon request from the payment agent server 1, performs transfer processing for reimbursement to the supplier, credit settlement processing for collection from the buyer, and the like. The card company server 4 also includes a card management storage unit 41, for example.
The card management storage unit 41 stores, for example, card contract information. Here, the card contract information is contract information of a credit card issued by a card issuing company, and is information registered in advance with the card issuing company. The card management storage unit 41 stores, for example, card numbers and card contract information in association with each other. Further, the card contract information includes information such as card expiration date, company name, department, and user name, for example.

The transaction processing server 5 (an example of a transaction processing device) is a platformer that provides electronic commerce services between companies, and supports transactions between buyers and suppliers. The transaction processing server 5 includes, for example, a sales contract storage unit 51 .
The sales contract storage unit 51 stores sales contract information in transactions between buyers and suppliers. The sales contract information includes, for example, transaction date, buyer information, supplier information, transaction amount, payment due date (payment due date), and the like.

The proxy payment server 1 (an example of a proxy payment device) provides a payment proxy service that performs payment proxy based on a sales contract between a buyer and a supplier. In addition, the proxy payment server 1 performs payment proxy using card settlement using a credit card. The payment agent server 1 also includes a NW (network) communication unit 11 , a storage unit 12 and a control unit 13 .

The NW communication unit 11 is connected to the network NW1 and performs various communications.
The storage unit 12 stores information used for various processing of the proxy payment server 1 . The storage unit 12 includes an account storage unit 121, a supplier information storage unit 122, a buyer information storage unit 123, a transaction information storage unit 124, a usage fee storage unit 125, a settlement fee storage unit 126, and a monthly usage fee storage. It has a section 127 and an early deposit fee storage section 128 .

The account storage unit 121 stores login information such as a login ID and a password for connecting to the proxy payment server 1 . The login information is stored in the account storage unit 121 when the buyer or supplier registers as a member of the payment agency service.

The supplier information storage unit 122 stores supplier information, which is information about suppliers registered as members of the payment proxy service provided by the payment proxy server 1 . The supplier information storage unit 122 stores, for example, company information (company name, corporate number, industry type, etc.), person in charge information (department name, user name, email address, telephone number, etc.), account information (financial institution name, branch name, etc.). , account number, account name, etc.) are stored as supplier information. If the supplier is affiliated with a member store, the member store number may be stored. The supplier information is stored in the supplier information storage unit 122 when the supplier registers as a member of the payment agency service.

The buyer information storage unit 123 stores buyer information, which is information about buyers registered as members of the payment agency service provided by the payment agency server 1 . The buyer information storage unit 123 stores, for example, company information (company name, corporate number, industry type, etc.), person in charge information (department name, user name, e-mail address, telephone number, etc.), account information (financial institution name, branch name, etc.). , account number, account name, etc.), credit card number, etc. are stored as buyer information. The buyer information is stored in the buyer information storage unit 123 when the buyer registers as a member of the payment proxy service.

The transaction information storage unit 124 stores transaction information (information on application for proxy payment) for which payment has been performed. For example, as shown in FIG. 2, the transaction information storage unit 124 stores sales contract information, a payment method, a settlement fee, a deposit fee caused by a change in the deposit due date, and the like.
FIG. 2 is a diagram showing an example of data stored in the transaction information storage unit 124 in this embodiment. As shown in FIG. 2, the transaction information storage unit 124 stores "transaction date", "transaction ID", "buyer", "supplier", "transaction amount", "payment date", and "payment method". ”, the “settlement fee”, and the “deposit fee” are associated with each other and stored.

The "settlement fee" includes "total fee", "buyer's share", and "supplier's share". Further, the "deposit fee" is an early deposit fee when the deposit is advanced before the payment due date (transfer due date) to the supplier.

For example, in the example shown in FIG. 2, the payment agency (transaction) corresponding to the "transaction date" of "2018/4/1" and the "transaction ID" of "XXXXX1" has the "buyer" of "A company". , the “supplier” is “Company B” and the “transaction amount” is “10 million yen”. It also indicates that the "payment date" to the supplier of this payment agency is "2018/4/30" and the "payment method" is "account settlement". Here, the account settlement is a settlement method using a credit card set in association with the buyer information. For example, the settlement fee varies according to the transaction amount, and the person who bears the fee and the amount of the fee can be set. payment method. In addition, for the "settlement fee" of this payment agency, the "total fee" is "100,000 yen", the "buyer's share" is "60,000 yen", and the "supplier's share" is "40,000 yen". , indicating that the "deposit fee" is "10,000 yen" (early deposit fee).

Returning to the description of FIG. 1, the usage fee storage unit 125 stores information regarding the usage fee of the proxy payment service. For example, as shown in FIG. 3, the usage fee storage unit 125 stores "introduction fee", "settlement fee", "monthly usage fee", "system usage fee", "user ID usage fee", "deposit fee", etc. item usage fee setting information is stored.
FIG. 3 is a diagram showing an example of data stored in the usage fee storage unit 125 in this embodiment.
In FIG. 3, the "settlement fee", "monthly usage fee", and "deposit fee" vary depending on usage conditions, so the usage fee storage unit 125 stores information indicating a setting table for each of these items.

Returning to the description of FIG. 1 again, the settlement fee storage unit 126 stores a setting table (settlement fee master) for setting a fee generated for each settlement of a payment agency. The settlement fee storage unit 126 stores a setting table that associates transaction amounts with fee information. Here, an example of data stored in the settlement fee storage unit 126 will be described with reference to FIG.

FIG. 4 is a diagram showing an example of data stored in the settlement fee storage unit 126 in this embodiment. As shown in FIG. 4, the settlement fee storage unit 126 stores "transaction amount" and "fee information" in association with each other. Here, the "commission information" is information indicating the settlement fee, and indicates, for example, the ratio (rate) of the settlement fee to the transaction amount.
For example, in the example shown in FIG. 4, when the "transaction amount" is "less than 300,000 yen", the "commission information" is "X.X%". In addition, although the example shown in FIG. 4 describes an example in which the ratio (rate) of the settlement fee is used as the "commission information", the monetary value of the settlement fee may be used.

Returning to the description of FIG. 1 again, the monthly usage fee storage unit 127 stores a setting table (monthly usage fee master) for setting monthly usage fees when receiving the proxy payment service. The monthly usage fee storage unit 127 stores a setting table in which the monthly transaction total amount and usage fee information are associated with each other. Here, an example of data stored in the monthly usage fee storage unit 127 will be described with reference to FIG.

FIG. 5 is a diagram showing an example of data stored in the monthly charge storage unit 127 in this embodiment. As shown in FIG. 5, the monthly usage fee storage unit 127 stores the "previous month's transaction total amount" and the "usage fee information" in association with each other. Here, the "usage fee information" is information indicating monthly usage fees, and indicates, for example, the value of the monthly usage fees with respect to the total transaction amount for one month.
For example, in the example shown in FIG. 5, when the "previous month's total transaction amount" is "less than 5 million yen", the "usage charge information" is "XXXXX yen". In the example shown in FIG. 5, an example in which the amount of the monthly usage fee is used as the "usage fee information" is described, but a ratio (rate) of the monthly usage fee may be used.

Returning to the description of FIG. 1 again, the early deposit fee storage unit 128 stores a setting table (early deposit fee master) for setting the deposit fees when the supplier wishes to bring forward the payment due date. The early deposit fee storage unit 128 stores a setting table that associates the shortened deposit days (advance number of days) of the deposit due date with the early deposit fee information. Here, an example of data stored in the early deposit fee storage unit 128 will be described with reference to FIG.

FIG. 6 is a diagram showing an example of data stored in the early deposit fee storage unit 128 in this embodiment. As shown in FIG. 6, the early deposit fee storage unit 128 associates and stores "reduced deposit days" and "early deposit fee information". Here, the "early deposit fee information" is information indicating the early deposit fee, and indicates, for example, the ratio (rate) of the early deposit fee to the transaction amount.
For example, the example shown in FIG. 6 indicates that the "early deposit fee information" is "X.X%" when the "reduced deposit days" is "1 business day or more and 10 business days or less". . In addition, in the example shown in FIG. 6, an example in which the ratio (rate) of the early deposit fee is used for the "early deposit fee information" is explained, but the amount value of the early deposit fee may be used.

Returning to the description of FIG. 1 again, the control unit 13 is a processor including, for example, a CPU (Central Processing Unit), and controls the payment agency server 1 in an integrated manner. The control unit 13 transmits and receives information to and from the above-described buyer terminal 2, supplier terminal 3, card company server 4, and transaction processing server 5 via the NW communication unit 11, and executes various processes. The control unit 13 executes, for example, various processes such as member registration processing for a proxy payment service, processing for setting various commissions and usage charges, and proxy payment processing.
The control unit 13 includes a buyer registration unit 131, a supplier registration unit 132, an application acquisition unit 133, a payment proxy processing unit 134, a settlement fee setting unit 135, a fee distribution unit 136, and a deposit fee setting unit 137. Prepare.

The buyer registration unit 131 receives buyer information in response to a buyer registration application from the buyer terminal 2 and stores the buyer information in the buyer information storage unit 123 . The buyer registration unit 131 acquires buyer information received from the input unit 21 of the buyer terminal 2 or the like via the NW communication unit 11 and stores the buyer information in the buyer information storage unit 123 .

The supplier registration unit 132 receives supplier information in response to a supplier registration application from the supplier terminal 3 and stores the supplier information in the supplier information storage unit 122 . The supplier registration unit 132 acquires supplier information received from the input unit 31 of the supplier terminal 3 or the like via the NW communication unit 11 and stores the supplier information in the supplier information storage unit 122 .

The application acquisition unit 133 acquires a proxy payment application indicating an application for proxy payment from a buyer. Here, it is assumed that the proxy payment application includes sales contract information indicating a sales contract between the supplier and the buyer. Further, in the present embodiment, the application acquisition unit 133 acquires from the buyer terminal 2 a payment agency application including FB data (firm banking data) acquired from the transaction processing server 5 as sales contract information. Here, FB data is data for performing transfer processing using a financial institution. For example, data based on a sales contract (sales contract information).

For example, the application acquisition unit 133 reads FB data by operation from the buyer terminal 2, selects transaction data included in the FB data, and accepts a payment proxy application after accepting settings such as the distribution of settlement fees. That is, the application acquisition unit 133 acquires the accepted payment proxy application. In addition, the application acquisition unit 133 causes the transaction information storage unit 124 to store information included in the proxy payment application.

The settlement fee setting unit 135 sets the settlement fee according to the transaction amount included in the sales contract information of the payment proxy application. The settlement fee setting unit 135 acquires settlement fee information corresponding to the transaction amount by referring to, for example, a setting table (settlement fee master) stored in the settlement fee storage unit 126, and based on the settlement fee information, Set settlement fees for transactions. In addition, the settlement fee setting unit 135 causes the transaction information storage unit 124 to store the set settlement fee.

The commission distribution unit 136 divides and sets the settlement commission between the buyer's portion and the supplier's portion. For example, the commission distribution unit 136 receives information on the distribution of the settlement commission set by the settlement commission setting unit 135 between the buyer-borne portion and the supplier-borne portion by the operation of the buyer from the buyer terminal 2, and distributes the payment commission from the supplier terminal 3 to the supplier is obtained, the buyer's share and the supplier's share received from the buyer terminal 2 are set. In addition, the commission distribution unit 136 causes the transaction information storage unit 124 to store the set buyer's share and supplier's share.

In this way, based on the distribution information acquired from the buyer terminal 2, the commission distribution unit 136 divides the settlement commission set by the settlement commission setting unit 135 into the buyer-borne portion and the supplier-borne portion. Note that the distribution information may be the monetary value of the buyer's share and the supplier's share, or the ratio of the buyer's share and the supplier's share to the settlement fee.

The deposit fee setting unit 137 sets a deposit fee for the supplier in accordance with a change in the due date of deposit to be paid to the supplier by the later-described replacement payment processing. The deposit fee setting unit 137 sets an early deposit fee as the deposit fee according to the number of days the deposit date is moved forward. The deposit fee setting unit 137, for example, refers to a setting table (early deposit fee master) stored in the early deposit fee storage unit 128, and acquires early deposit fee information corresponding to the number of days brought forward (deposit shortened days). , sets (generates) an early deposit fee based on the early deposit fee information.

The proxy payment processing unit 134 performs advance payment processing for paying the payment amount corresponding to the sales contract to the supplier's account (supplier account 63 in FIG. 7) in advance in accordance with the payment proxy application acquired by the application acquisition unit 133. to run. Also, the proxy payment processing unit 134 executes collection processing for collecting the collected amount corresponding to the sales contract from the buyer's account (buyer's account 62 in FIG. 7) on a predetermined date after obtaining the payment proxy application. That is, the payment proxy processing unit 134 executes the advance payment processing and collection processing corresponding to the sales contract indicated by the FB data. Here, the payment amount indicates the amount to be paid to the supplier based on the transaction amount, and the collection amount indicates the amount to be collected (collected) from the buyer based on the transaction amount.

The payment agency processing unit 134 functions as a virtual member store corresponding to a member store of a card company that performs card settlement using a payment card, and in collection processing, as a virtual member store, uses card settlement via the card company, A process of collecting the collected amount from the buyer's account 62 is executed. Here, in order to function as a virtual member store, the operator of the payment agency server 1 or the card company has previously acquired a member store number for the payment agency server 1 as a virtual member store for the payment agency server 1. It is assumed that there is In the collection processing, the payment agency processing unit 134 collects the collection amount from the buyer to the payment agency server 1 as a virtual member store by credit settlement using a credit card.

In addition, the payment proxy processing unit 134 requests the card company to pay the payment amount in advance to the supplier account 63 in the replacement payment processing. The payment proxy processing unit 134 , for example, transfers the payment amount to the supplier account 63 via the card company server 4 .

Also, the payment agency processing unit 134 calculates the collection amount based on the transaction amount and the settlement fee corresponding to the transaction amount of the sales contract. The payment agency processing unit 134 calculates the collection amount based on the settlement fee set by the settlement fee setting unit 135 based on the transaction amount and the transaction amount. Further, the payment agency processing unit 134 calculates the collection amount by adding the buyer's portion of the settlement fee distributed by the fee distribution unit 136 to the transaction amount. In other words, the payment agency processing unit 134 executes a process of collecting from the buyer's account 62 the collected amount obtained by adding the buyer's share to the transaction amount in the collecting process.

It should be noted that the payment agency processing unit 134 calculates the collection amount using the following equation (1).

Collected amount = Transaction amount + Buyer's share of settlement fee … (1)

In addition, the payment agency processing unit 134 calculates the payment amount by subtracting the supplier's share of the settlement fee distributed by the fee distribution unit 136 from the transaction amount. That is, the payment agency processing unit 134 executes processing of transferring the payment amount obtained by subtracting the supplier's share from the transaction amount to the supplier account 63 in the replacement payment processing.

In addition, when the payment due date is changed, the proxy payment processing unit 134 transfers the payment amount calculated based on the transaction amount of the sales contract and the deposit fee to the supplier account on the changed payment due date in the replacement payment process. 63 is executed. For example, when the payment due date is brought forward, the payment agency processing unit 134 transfers the payment amount obtained by subtracting the early payment fee from the transaction amount to the supplier account 63 in the replacement payment process. That is, in this case, the proxy payment processing unit 134 performs a process of transferring to the supplier account 63 the payment amount obtained by subtracting the early payment fee set by the payment fee setting unit 137 and the above-mentioned supplier's share from the transaction amount.

It should be noted that the payment agency processing unit 134 calculates the payment amount using the following formula (2).

Payment amount = Transaction amount - Payment fee paid by supplier - Early payment fee … (2)

In addition, the proxy payment processing unit 134 calculates the total usage fee for each month or within a predetermined period for using the payment proxy service on a predetermined date every month, and collects the total usage fee from the buyer. Run. The payment agency processing unit 134, for example, calculates the total transaction amount for the last month based on the transaction information stored in the transaction information storage unit 124, and stores a setting table (monthly usage fee master) stored in the monthly usage fee storage unit 127. to acquire monthly usage fee information corresponding to the total transaction amount for the last month, and calculate the monthly usage fee based on the monthly usage fee information. The proxy payment processing unit 134 further calculates the total usage fee for the last month based on the calculated monthly usage fee and information on fixed usage items other than the monthly usage fee stored in the usage fee storage unit 125. .

Next, the operation of the payment system 100 according to this embodiment will be described with reference to the drawings.
FIG. 7 is a diagram for explaining an example of the operation of the payment agent processing of the payment system 100 according to this embodiment.

The financial institution server 6 shown in FIG. 7 has accounts for performing payment processing, such as a payment agency account 61 , a buyer account 62 and a supplier account 63 .
A payment agency account 61 is an account opened by an operator or a card company for a payment agency service, a buyer account 62 is an account owned by a buyer, and a supplier account 63 is an account owned by a supplier. be.

As shown in FIG. 7, the buyer terminal 2 first uses the transaction processing server 5 to enter into a transaction contract (sales contract) for products, etc. between the buyer and the supplier (step S101). The buyer terminal 2 logs into the transaction processing server 5 by the buyer's operation of the input unit 21, and concludes a transaction contract (sales contract) for the supplier's products. The transaction processing server 5 stores the information of the transaction contract (sales contract) in the sales contract storage unit 51 .

Next, the buyer terminal 2 downloads FB data (sales contract information) from the transaction processing server 5 (step S102).
Next, the buyer terminal 2 applies for and approves the proxy payment to the proxy payment server 1 (step S103). The buyer terminal 2 logs in to the proxy payment server 1 through the operation of the buyer's input unit 21, sends FB data, which is sales contract information, to the proxy payment server 1 to apply for proxy payment, and submits a proxy payment application. Approve. It should be noted that the buyer terminal 2 sets the allocation of the settlement fee and the like, and makes a payment proxy application.

Next, the supplier terminal 3 approves the proxy payment application (step S104). In response to the approval of the proxy payment application from the buyer terminal 2, the proxy payment server 1 requests approval of the proxy payment application, for example, by e-mail to the supplier. Approve proxy application.

Next, the payment agent server 1 requests the card company server 4 to collect the collected amount (step S105). The payment agency processing unit 134 of the payment agency server 1, as a virtual member store, uses credit card settlement to request the payment agency account 61 corresponding to the member store number for the payment agency server 1 to collect the collected amount. Send to the card company server 4.

Next, the card company server 4 makes an advance payment request to the virtual member store to the financial institution server 6 in response to the collection request for the collected amount (step S106). As a result, in the financial institution server 6, the collected amount (=transaction amount+buyer's share) is transferred from the card company to the payment agent account 61 (reimbursement is made).

The payment agency server 1 also requests the financial institution server 6 to pay the amount to be paid via the card company server 4 (step S107). As a result, in the financial institution server 6 , the payment amount (=transaction amount−supplier's portion−payment fee) is transferred from the payment agent account 61 to the supplier account 63 . Here, the deposit fee is an early deposit fee.

Further, the card company server 4 requests the financial institution server 6 to collect the credit (collected amount) from the buyer's account 62 to the credit card company on the predetermined withdrawal date (step S108). As a result, the collected amount is withdrawn from the buyer's account 62 to the card company in the financial institution server 6, and as a result, the collected amount (=transaction amount + buyer's share) is collected from the buyer's account 62 to the payment agent account 61. It will be.
As a result, the payment proxy processing by the payment system 100 is completed.

Next, processing for accepting a proxy payment application by the proxy payment server 1 of the present embodiment will be described with reference to FIGS. 8 to 10. FIG.
FIG. 8 is a diagram illustrating an example of application processing for proxy payment by the proxy payment server 1 according to the present embodiment. FIG. 9 is a diagram showing an example of a FB data upload screen in a payment proxy application according to the present embodiment. Further, FIG. 10 is a diagram showing an example of a payment agency application screen according to the present embodiment.

In FIG. 8, the payment agency server 1 first acquires FB data (step S201). The application acquisition unit 133 of the proxy payment server 1 causes the display unit 22 of the buyer terminal 2 to display a display screen such as the screen G1 shown in FIG. FB data is acquired by When the FB data is acquired, the payment agency server 1 displays a list of transaction data (sales contract) as shown in the screen G1 of FIG. When the input unit 21 of the buyer terminal 2 presses, for example, the “details” button BT1 of the transaction data D1 on the screen G1, the application acquisition unit 133 displays the screen G2 of FIG. 10(a) and the screen G2 of FIG. The buyer terminal 2 displays a display screen for inputting the information of the payment proxy application, such as the screen G3 of FIG.

Next, the application acquisition unit 133 acquires company information corresponding to the supplier's account information (step S202). The application acquisition unit 133 acquires company information corresponding to the account information of the supplier of the selected transaction data (sales contract) from the supplier information storage unit 122 . When the company information is successfully acquired, the application acquisition unit 133 causes the buyer terminal 2 to display "customer company information" and "person in charge information" as shown in the screen G2 of FIG. 10(a).

Also, the application acquisition unit 133 determines whether the supplier is a member of the proxy payment service (step S203). The application acquisition unit 133 determines whether or not the supplier is a member of the proxy payment service, depending on whether or not the supplier information storage unit 122 contains the account information and company information of the supplier described above. If the supplier is a member of the proxy payment service (step S203: YES), the application acquisition unit 133 advances the process to step S204. If the supplier is not a member of the proxy payment service (step S203: NO), the application acquisition unit 133 advances the process to step S208.

In step S204, the application acquisition unit 133 acquires bill information and a payment method. The application acquisition unit 133 acquires invoice information (invoice number, transaction amount, payment date, etc.) and payment method (account settlement, etc.) from the selected transaction data (sales contract).

Next, the application acquisition unit 133 acquires commission information corresponding to the buyer (step S205). The application acquisition unit 133 acquires the payment method selected by the buyer and the settlement fee based on the transaction amount by the settlement fee setting unit 135, and displays them on the buyer terminal 2 as shown in the screen G4 of FIG. 10(c). .

Next, the fee distribution unit 136 of the proxy payment server 1 receives the sharing of the settlement fee and the amount to be borne (step S206). The commission distribution unit 136 accepts the amounts of the buyer's share and the supplier's share through the input unit 21 of the buyer terminal 2 in the input frame W2 of the screen G4 of FIG. 10(c).

Next, the application acquisition unit 133 receives a payment proxy application (step S207). The application acquisition unit 133 accepts a proxy payment application when the "application for proxy payment" button BT2 is pressed by the input unit 21 of the buyer terminal 2 on the screen G4 shown in FIG. 10(c). As a result, the application acquisition unit 133 causes the buyer terminal 2 to display the screen G5 of FIG. 10(d). Note that the application acquisition unit 133 acquires the official payment proxy application transmitted from the buyer terminal 2 after the “application for proxy payment” button BT2 is pressed, and uses the acquired proxy payment application as transaction information. It is stored in the storage unit 124 . In this way, the application acquisition unit 133 acquires a payment proxy application including FB data as sales contract information through the series of processes described above. After the processing of step S207, the application processing for the payment agency is terminated.

Also, in step S208, the application acquisition unit 133 determines whether the supplier is a nonconforming company. The application acquisition unit 133, for example, uses an external company database or the like to determine whether or not the supplier is a company affiliated with anti-social forces, or whether or not the company has a case of non-compliance in past transactions. By judging, it is judged whether or not the company is a nonconforming company. If the supplier is a nonconforming company (step S208: YES), the application acquisition unit 133 advances the process to step S211. If the supplier is not a nonconforming company (step S208: NO), the application acquisition unit 133 advances the process to step S209.

In step S209, the application acquisition unit 133 acquires bill information and a payment method. The application acquisition unit 133 acquires invoice information (invoice number, transaction amount, payment date, etc.) and payment method (account settlement, etc.) from the selected transaction data (sales contract).

Next, the application acquisition unit 133 acquires commission information corresponding to the buyer (step S210). The application acquisition unit 133 acquires the payment method selected by the buyer and the settlement fee based on the transaction amount by the settlement fee setting unit 135, and displays them on the buyer terminal 2 as shown in the screen G4 of FIG. 10(c). . In this case, since the supplier is not a member, the application acquisition unit 133 advances the process to step S207 without sharing the settlement fee and accepting the burden amount.

Further, in step S211, the application acquisition unit 133 determines that the acceptance of the proxy payment application is not accepted, and terminates the application process for the proxy payment.

Next, the details of the proxy payment processing of the payment proxy server 1 according to this embodiment will be described with reference to FIGS. 11 and 12. FIG.
FIG. 11 is a flow chart showing an example of the payment proxy processing of the payment proxy server 1 according to this embodiment. FIG. 12 is a diagram for explaining an example of the operation of the payment proxy processing of the payment proxy server 1 according to this embodiment.

As shown in FIG. 11, the application acquisition unit 133 of the proxy payment server 1 first receives the acceptance of the proxy payment application and the approval of the buyer (step S301). The application acquisition unit 133 accepts a proxy payment application through the proxy payment application processing of FIG. 8 described above. Then, the application acquisition unit 133 sends an e-mail to the buyer, for example, to request approval of the proxy payment application, and in response to this approval request, the buyer terminal 2 approves the proxy payment application.

It should be noted that the process of step S301 corresponds to the process of acquiring the proxy payment application by the application acquisition unit 133 . Here, it is assumed that the proxy payment application has the contents shown in FIG. 11(a) as an example. That is, in the example shown in FIG. 11(a), the payment proxy processing is performed to pay the transaction amount of 10 million yen from company B to company A. The total settlement fee is 100,000 yen, of which 6 The buyer bears 10,000 yen, and the supplier bears 40,000 yen. In addition, the early deposit fee is 10,000 yen.

Next, the proxy payment processing unit 134 of the proxy payment server 1 executes authorization processing based on the proxy payment application acquired by the application acquisition unit 133 (step S302). Here, the authorization process is to confirm credit with the card company. As shown in FIG. The card company server 4 is authorized for the total amount of 100,000 yen. The payment agency processing unit 134 performs authorization processing for making payment to the virtual member store of the payment agency processing unit 134 by card settlement using the card number of the buyer (Company A). conduct.

In response to this, the card company server 4 confirms the credit of the buyer's (company A) card number based on the information stored in the card management storage unit 41, and transmits the authorization result to the payment agency server 1. . Here, the subsequent processing will be described assuming that the authorization result is no problem (credit OK).
Since the supplier's portion of the settlement fee (the portion borne by Company B) has not yet been approved, the proxy payment processing unit 134 once performs authorization processing with the total amount of the settlement fee of 100,000 yen.

Next, the proxy payment processing unit 134 requests the supplier's approval and receives the supplier's approval (step S303). If there is no problem with the authorization result, the proxy payment processing unit 134 sends an e-mail or the like to the supplier (company B) to request approval of the proxy payment application. The supplier (Company B) uses the input unit 31 of the supplier terminal 3 to input approval of the early payment application and the proxy payment application, and transmits the approval result to the payment proxy server 1 . The payment agency processing unit 134 receives the approval result of the payment agency application. As a result, the supplier's portion of the settlement fee (the portion borne by Company B) and the early deposit fee are determined.

Next, the payment agency processing unit 134 determines whether or not there is a payment fee to be borne by the supplier (step S304). If the payment processing fee is borne by the supplier (step S304: YES), the payment agency processing unit 134 advances the process to step S305. Also, if the supplier does not bear the settlement fee (step S304: NO), the payment proxy processing unit 134 advances the process to step S306.

In step S305, the proxy payment processing unit 134 executes the cancellation of the authorization for the settlement fee and the authorization processing for the buyer's portion. For example, as shown in FIG. 12(c), the proxy payment processing unit 134 cancels the authorization of 100,000 yen, which is the total amount of the settlement fees described above, to the card company server 4, and 60,000 yen for the buyer's share. Yen authorization processing is performed for the card company server 4 . In step S302, this step can be skipped by performing authorization processing for the buyer's burden of 60,000 yen instead of 100,000 yen, which is the total settlement fee. make it possible.

Next, in step S306, the proxy payment processing unit 134 executes sales confirmation processing. For example, as shown in FIG. 12(c), the payment agent processing unit 134 performs sales confirmation processing for the transaction amount of 10,000,000 yen and the buyer's share of 60,000 yen to the card company server 4. FIG. That is, the payment agency processing unit 134 requests the card company server 4 to collect the collected amount of 10,060,000 yen (=10,000,000 yen+60,000 yen). As a result, the card company server 4 causes the financial institution server 6 to transfer the collected amount of 10,060,000 yen to the payment agent account 61 . As a result, the collected amount of 10,060,000 yen is transferred to the payment agency account 61 from the card company.

Further, the card company server 4 causes the financial institution server 6 to withdraw the collected amount of 10,060,000 yen from the buyer's account 62 (account of company A) on the later debit date determined by the credit settlement. As a result, the collected amount of 10,060,000 yen is withdrawn (collected) from the buyer's account 62 (account of company A) on a later debit date.

Next, the proxy payment processing unit 134 determines whether or not the supplier settlement processing date has arrived (step S307). The payment proxy processing unit 134 determines whether or not the supplier settlement processing date for making payment to the supplier on the payment due date has arrived, and if it is the supplier settlement processing date (step S307: YES), the process proceeds to step S308. . In addition, the payment proxy processing unit 134 returns the process to step S307 if it is not the supplier settlement processing date (step S307: NO).

In step S308, the payment agent processing unit 134 executes the transfer processing to the supplier. The payment agent processing unit 134 transfers a payment amount of 9,950,000 yen (= 10 million yen - 40,000 yen - 1 Generate FB data to transfer 10,000 yen). The payment agency processing unit 134 makes a payment request to the financial institution server 6 via the card company server 4 to pay the payment amount of 9.95 million yen to the supplier (company B) based on the generated FB data. As a result, the payment amount of 9,950,000 yen is transferred from the payment agency account 61 to the supplier account 63 (company B's account). After the processing of step S308, the proxy payment processing unit 134 terminates the proxy payment processing.

The process of withdrawing (collecting) the collected amount of 10,060,000 yen from the buyer's account 62 (company A's account) described above is performed by transferring the payment amount from the payment agency account 61 to the supplier account 63 (company B's account) in step S308. It is executed at a later date than the process of transferring 9,950,000 yen.

In the above-described processing, the proxy payment processing unit 134 uses FB data to transfer the payment amount from the proxy payment account 61 to the supplier account 63 (account of company B). company) is a member store of a credit card company, the payment amount may be transferred using credit card settlement.
Further, in the above-described processing, an example was explained in which the payment agency processing unit 134 requests payment of 9.95 million yen to the supplier (Company B) using the FB data via the card company server 4. The request may be made directly to the financial institution server 6 .

As described above, the proxy payment server 1 (the proxy payment device) according to this embodiment includes the application acquisition unit 133 and the proxy payment processing unit 134 . The application acquisition unit 133 acquires a proxy payment application that includes sales contract information indicating a sales contract between a supplier (seller) and a buyer (buyer), and that indicates an application for proxy payment from the buyer. . The proxy payment processing unit 134 executes advance payment processing for paying the supplier the payment amount corresponding to the sales contract on behalf of the supplier in response to the proxy payment application acquired by the application acquisition unit 133, and after acquiring the proxy payment application. On a predetermined date, collection processing is executed to collect the collected amount corresponding to the sales contract from the buyer's account 62 (buyer's account).

As a result, the proxy payment server 1 according to the present embodiment performs payment proxy service at the request of the buyer based on the sales contract, so that, for example, it is possible to avoid being regarded as money lending or fund transfer under the Fund Settlement Act. Therefore, the proxy payment server 1 according to the present embodiment can handle transactions in which the maximum amount of remittance per transaction exceeds 1,000,000 yen, and the limit on the transaction amount can be expanded. Therefore, the payment agency server 1 according to the present embodiment can realize settlement by post-payment in response to a payment request from the buyer side, and can increase the use of card settlement transactions between companies.

In addition, in the present embodiment, the application acquisition unit 133 includes, as sales contract information, FB data (firm banking data) acquired from the transaction processing server 5 (transaction processing device) that provides electronic commerce services between companies. An application is obtained from a buyer terminal 2 (buyer side terminal), which is a terminal of the buyer. The payment agency processing unit 134 executes advance payment processing and collection processing corresponding to the sales contract indicated by the FB data.
As a result, the proxy payment server 1 according to the present embodiment can easily link the proxy payment and the sales contract by the FB data acquired from the transaction processing server 5, improving convenience and reducing the transaction amount. limits can be extended.

In addition, in the present embodiment, the payment agency processing unit 134 functions as a virtual member store corresponding to a member store of a card company that performs card settlement using a payment card, and in collection processing, as a virtual member store, Then, the card payment is used to collect the collected amount from the buyer's account 62 .
As a result, the proxy payment server 1 according to the present embodiment can appropriately handle payment proxy even if the supplier is not affiliated with a member store, for example. In other words, the payment proxy server 1 according to the present embodiment can expand the number of trading partners to suppliers that are not affiliated with member stores, and can increase the use of card payment transactions between companies.

Further, in the present embodiment, the payment card is a credit card, and the payment proxy processing unit 134 executes collection processing using credit card payment.
As a result, the payment agency server 1 according to the present embodiment can make a buyer's credit determination by the mechanism of credit card settlement using a credit card, so that the buyer's credit can be easily determined.

Further, in the present embodiment, the payment agency processing unit 134 requests the card company to pay the payment amount in advance to the supplier's account 63 (supplier's account) in the replacement payment process.
As a result, the payment agency server 1 according to the present embodiment can use the credit card company for the payment of the payment amount to the supplier, and thus convenience can be improved.

In addition, in the present embodiment, the payment agency processing unit 134 calculates the collection amount based on the transaction amount and the settlement fee according to the transaction amount of the sales contract.
As a result, the payment proxy server 1 according to the present embodiment enables the buyer to bear the settlement fee, thereby expanding the range of transactions between companies.

The payment proxy server 1 according to the present embodiment also includes a commission distribution unit 136 that divides and sets the settlement commission between the buyer's portion (buyer's portion) and the supplier's portion (seller's portion). The payment agency processing unit 134 executes the process of transferring the payment amount obtained by subtracting the supplier's burden from the transaction amount in the replacement payment process to the supplier account 63, and in the collection process, transfers the collected amount obtained by adding the buyer's burden to the transaction amount. A process of collecting from the buyer's account 62 is executed.
As a result, the payment agency server 1 according to the present embodiment can flexibly set the settlement fee between the buyer and the supplier, further expanding the scope of inter-company transactions.

The payment agency server 1 according to the present embodiment also has a deposit fee setting unit 137 that sets a deposit fee (for example, an early deposit fee) to the supplier in accordance with the change in the deposit due date to be paid to the supplier by the advance payment process. Prepare. When the payment due date is changed, the payment agency processing unit 134 transfers the payment amount calculated based on the transaction amount of the sales contract and the deposit fee to the supplier account 63 on the changed payment due date in the replacement payment process. Execute the transfer process.
As a result, the proxy payment server 1 according to the present embodiment can set a deposit fee (for example, an early deposit fee) for the supplier in accordance with the change of the deposit due date. The payment proxy server 1 according to the present embodiment allows the supplier to flexibly specify the payment due date, and increases options for specifying the payment due date, thereby further improving convenience.

Further, in the present embodiment, the deposit fee setting unit 137 sets the early deposit fee as the deposit fee according to the number of days the deposit due date is brought forward. The payment proxy processing unit 134 executes processing of transferring the payment amount obtained by subtracting the early payment fee from the transaction amount to the supplier account 63 in the replacement payment processing when the payment date is brought forward.
Accordingly, in the payment proxy server 1 according to the present embodiment, the supplier can obtain the payment amount early by paying the early deposit fee. Therefore, the payment agent server 1 according to this embodiment can further improve convenience.

In addition, the payment proxy server 1 according to the present embodiment acquires fee information corresponding to the transaction amount from the settlement fee storage unit 126 that stores the transaction amount and fee information indicating the settlement fee in association with each other, and acquires the fee information corresponding to the transaction amount. A settlement fee setting unit 135 is provided for setting a settlement fee based on the above. The commission distribution unit 136 divides and sets the settlement commission between the buyer's portion and the supplier's portion based on the distribution information acquired from the buyer terminal 2 (buyer-side terminal) indicating the buyer's terminal. Further, the fee information is the amount of the settlement fee or the ratio of the settlement fee to the transaction amount.
As a result, the payment proxy server 1 according to the present embodiment can appropriately set the settlement fee, the buyer's share, and the supplier's share using a simple method.

The payment system 100 according to the present embodiment also includes a transaction processing server 5 (transaction processing device) that provides electronic commerce services between companies, and a payment agency server 1 . The proxy payment server 1 includes an application acquisition unit 133 and a proxy payment processing unit 134 . The application acquisition unit 133 obtains a proxy payment application that includes sales contract information indicating a sales contract between a supplier and a buyer contracted by the transaction processing server 5, and indicates an application for proxy payment from the buyer. get. The proxy payment processing unit 134 executes advance payment processing for paying the supplier the payment amount corresponding to the sales contract on behalf of the supplier in response to the proxy payment application acquired by the application acquisition unit 133, and after acquiring the proxy payment application. On a predetermined date, collection processing is executed to collect the collected amount corresponding to the sales contract from the buyer's account 62 .
As a result, the settlement system 100 according to the present embodiment has the same effect as the above-described payment agency server 1, and can realize settlement by deferred payment in response to a payment request from the buyer side, thereby enabling card settlement transactions between companies. can increase the use of

Further, the settlement method according to this embodiment includes an application acquisition step and a payment agency processing step. In the application acquisition step, the application acquisition unit 133 acquires a proxy payment application that includes sales contract information indicating a sales contract between a supplier and a buyer, and indicates an application for proxy payment from the buyer. In the proxy payment processing step, the proxy payment processing unit 134 executes advance payment processing for paying the supplier the payment amount corresponding to the sales contract on behalf of the supplier in response to the proxy payment application acquired in the application acquisition step, On a predetermined date after obtaining the proxy payment application, collection processing is executed to collect the collected amount corresponding to the sales contract from the buyer's account 62 .
As a result, the settlement method according to the present embodiment has the same effect as the above-described payment agency server 1, and can realize settlement by deferred payment in response to a payment request from the buyer side. Utilization can be increased.

[Second embodiment]
Next, a payment proxy server 1a and a settlement system 100a according to a second embodiment will be described with reference to the drawings.

FIG. 13 is a block diagram showing an example of a settlement system 100a according to this embodiment.
As shown in this figure, the settlement system 100a according to this embodiment comprises a payment proxy server 1a, a buyer terminal 2, a supplier terminal 3, a card company server 4, and a transaction processing server 5. FIG. The payment agent server 1a, the buyer terminal 2, the supplier terminal 3, the card company server 4, and the transaction processing server 5 can be connected to each other via the network NW1.

In this figure, the same components as those shown in FIG. 1 are denoted by the same reference numerals, and description thereof will be omitted.
In this embodiment, a modification will be described in which sales contract information is acquired from the transaction processing server 5 in cooperation with the transaction processing server 5 .

The proxy payment server 1a (an example of a proxy payment device) provides a payment proxy service for executing payment based on a sales contract between a buyer and a supplier. Also, the proxy payment server 1a performs payment proxy using card settlement using a credit card. The payment agent server 1a also includes a NW communication unit 11, a storage unit 12, and a control unit 13a.

The control unit 13a is, for example, a processor including a CPU, etc., and controls the payment agent server 1a in an integrated manner. The basic functions of the control unit 13a are the same as those of the first embodiment, except that the acquisition method of the sales contract information is different.
The control unit 13a includes a buyer registration unit 131, a supplier registration unit 132, an application acquisition unit 133a, a payment proxy processing unit 134, a settlement fee setting unit 135, a fee distribution unit 136, and a deposit fee setting unit 137. Prepare.

The application acquisition unit 133a acquires a payment proxy application including transaction information between a supplier and a buyer acquired from a transaction processing server 5 that provides electronic commerce services between companies as sales contract information. Note that the application acquisition unit 133a may directly acquire the proxy payment application included as the sales contract information from the transaction processing server 5, or may receive most of the proxy payment application from the buyer as in the first embodiment. It may be acquired from the terminal 2 and the sales contract information may be acquired from the transaction processing server 5 .

Also, the function of the payment agent processing unit 134 according to this embodiment is the same as that of the first embodiment, and therefore the description thereof will be omitted here.

Next, the operation of the payment system 100a according to this embodiment will be described with reference to the drawings.
FIG. 14 is a diagram for explaining an example of the operation of the payment agent processing of the payment system 100a according to this embodiment.

As shown in FIG. 14, the buyer terminal 2 first uses the transaction processing server 5 to enter into a transaction contract (sales contract) for products, etc. between the buyer and the supplier (step S401).
Next, the buyer terminal 2 transfers the transaction information (sales contract information) from the transaction processing server 5 to the payment agent server 1a. (Step S402).

Next, the buyer terminal 2 applies for and approves the proxy payment to the proxy payment server 1a (step S403). The processing of this step S403 is the same as the processing of step S103 shown in FIG. 7 except that the FB data is not used, so the description thereof is omitted here.

Further, since the subsequent processing from step S404 to step S408 is the same as the processing from step S104 to step S108 shown in FIG. 7, description thereof will be omitted here.

In the process of accepting a proxy payment application by the payment proxy server 1a of the present embodiment, the process of step S201 shown in FIG. Since the processing is the same as that shown in FIG. 8 except for points, the description thereof is omitted here.
Further, the details of the proxy payment processing of the payment proxy server 1a according to this embodiment are the same as the processing of the first embodiment shown in FIGS.

As described above, in the present embodiment, the application acquisition unit 133a uses the payment contract information including the transaction information between the supplier and the buyer acquired from the transaction processing server 5 that provides inter-company electronic commerce services. Get proxy application.
As a result, the proxy payment server 1a and the settlement system 100a according to the present embodiment can use the transaction processing server 5 to more easily link the proxy payment and the sales contract, improving convenience. , the transaction amount limit can be extended.

[Third Embodiment]
Next, a payment proxy server 1b and a settlement system 100b according to a third embodiment will be described with reference to the drawings.

FIG. 15 is a block diagram showing an example of a settlement system 100b according to this embodiment.
As shown in this figure, the payment system 100b according to this embodiment includes a payment agency server 1b, a buyer terminal 2, a supplier terminal 3, and a card company server 4. FIG. The payment proxy server 1b, the buyer terminal 2, the supplier terminal 3, and the card company server 4 can be connected to each other via the network NW1. The present embodiment differs from the first embodiment in that the settlement system 100b does not include the transaction processing server 5. FIG.

In this figure, the same components as those shown in FIG. 1 are denoted by the same reference numerals, and description thereof will be omitted.
In this embodiment, a modification will be described in which a proxy payment application including sales contract information is obtained without using the transaction processing server 5 described above.

The payment proxy server 1b (an example of a payment proxy device) provides a payment proxy service for performing payment based on a sales contract between a buyer and a supplier. In addition, the proxy payment server 1b performs payment proxy using card settlement using a credit card. The payment agent server 1b also includes a NW communication unit 11, a storage unit 12, and a control unit 13b.

The control unit 13b is, for example, a processor including a CPU, etc., and controls the payment agent server 1b in an integrated manner. The basic functions of the control unit 13b are the same as those of the first embodiment, except that the acquisition method of the sales contract information is different.
The control unit 13b includes a buyer registration unit 131, a supplier registration unit 132, an application acquisition unit 133b, a payment proxy processing unit 134, a settlement fee setting unit 135, a fee distribution unit 136, and a deposit fee setting unit 137. Prepare.

The application acquisition unit 133b acquires from the buyer terminal 2 a proxy payment application including image data representing a sales contract as sales contract information. Here, the image data is image data obtained by imaging (or scanning) a document or document that can serve as evidence of a sales contract, such as a sales contract, invoice, estimate, or order slip.

In the present embodiment, the application acquisition unit 133b acquires various information included in the proxy payment application from the buyer terminal 2 through manual input by the buyer to the input unit 21 (manual input).
Also, the proxy payment processing unit 134 of the present embodiment executes a replacement payment process and a collection process corresponding to the sales contract indicated by the image data. Other functions of the proxy payment processing unit 134 are the same as those of the first embodiment, and therefore descriptions thereof are omitted here.

Next, the operation of the payment system 100b according to this embodiment will be described with reference to the drawings.
FIG. 16 is a diagram illustrating an example of the operation of the payment agent processing of the payment system 100b according to this embodiment.

As shown in FIG. 16, the buyer terminal 2 first concludes a transaction contract (sales contract) for products, etc. between the buyer and the supplier (step S501). Here, it is assumed that the transaction processing server 5 is not used.

Next, the buyer terminal 2 applies for and approves the proxy payment to the proxy payment server 1 (step S502). The buyer terminal 2 logs into the payment proxy server 1 by the buyer's operation of the input unit 21, sends various information necessary for the payment proxy application, and sends image data of the sales contract as sales contract information to the payment proxy server. 1 to apply for payment on your behalf. In addition, the buyer terminal 2 approves the proxy payment application. It should be noted that the buyer terminal 2 sets the allocation of the settlement fee and the like, and makes a payment proxy application.

Further, since the subsequent processing from step S503 to step S507 is the same as the processing from step S104 to step S108 shown in FIG. 7, description thereof is omitted here.

The process of accepting a proxy payment application by the proxy payment server 1b of this embodiment is the same as the process shown in FIG. 8, except that the acquisition information shown in FIG. The description is omitted here.
Further, the details of the proxy payment processing of the payment proxy server 1b according to this embodiment are the same as the processing of the first embodiment shown in FIGS.

As described above, in the present embodiment, the application acquisition unit 133b acquires a proxy payment application including image data representing a sales contract as sales contract information from the buyer terminal 2, which is the buyer's terminal. The payment proxy processing unit 134 executes advance payment processing and collection processing corresponding to the sales contract indicated by the image data.
As a result, the proxy payment server 1b and the settlement system 100b according to the present embodiment can easily link the proxy payment and the sales contract without using the transaction processing server 5, thereby improving convenience. , the transaction amount limit can be extended.

[Fourth embodiment]
Next, a payment proxy server 1c and a settlement system 100c according to a fourth embodiment will be described with reference to the drawings.

FIG. 17 is a block diagram showing an example of a settlement system 100c according to this embodiment.
As shown in this figure, the payment system 100c according to this embodiment includes a payment agent server 1c, a buyer terminal 2, a supplier terminal 3, a card company server 4, and a transaction processing server 5. FIG. The payment proxy server 1c, the buyer terminal 2, the supplier terminal 3, the card company server 4, and the transaction processing server 5 can be connected to each other via the network NW1.

In this figure, the same components as those shown in FIG. 1 are denoted by the same reference numerals, and description thereof will be omitted.
In the present embodiment, a modification will be described in which a supplier submits a proxy payment application.

The payment proxy server 1c (an example of a payment proxy device) provides a payment proxy service for performing payment from a buyer to a supplier on behalf of a supplier upon request from the supplier. In addition, the proxy payment server 1c performs payment by proxy using card settlement using a credit card. The payment agent server 1c also includes a NW communication unit 11, a storage unit 12, and a control unit 13c.

The control unit 13c is, for example, a processor including a CPU, etc., and controls the payment agent server 1c in an integrated manner. The basic functions of the control unit 13c are the same as in the first embodiment, except that the acquisition method of the proxy payment application is different.
The control unit 13c includes a buyer registration unit 131, a supplier registration unit 132, an application acquisition unit 133c, a payment agency processing unit 134, a settlement fee setting unit 135, a fee distribution unit 136, and a deposit fee setting unit 137. Prepare.

The application acquisition unit 133c acquires a proxy payment application including transaction information between the supplier and the buyer acquired from the transaction processing server 5 that provides electronic commerce services between companies based on the supplier's request, as sales contract information. do.
Also, the function of the payment agent processing unit 134 according to this embodiment is the same as that of the first embodiment, and therefore the description thereof will be omitted here.

Next, the operation of the payment system 100c according to this embodiment will be described with reference to the drawings.
FIG. 18 is a diagram explaining an example of the operation of the payment agent processing of the payment system 100c according to this embodiment.

As shown in FIG. 18, the buyer terminal 2 first uses the transaction processing server 5 to enter into a transaction contract (sales contract) for products, etc. between the buyer and the supplier (step S601).
Next, the supplier terminal 3 transfers from the transaction processing server 5 to the payment proxy server 1c a payment proxy application for performing payment processing based on the sales contract by the payment proxy. (Step S602). As a result, the proxy payment server 1c executes payment proxy processing based on the payment proxy application.

Since the subsequent processing from step S603 to step S606 is the same as the processing from step S104 to step S108 shown in FIG. 7, description thereof is omitted here.
Details of the proxy payment processing of the payment proxy server 1c according to this embodiment are the same as the processing of the first embodiment shown in FIGS.

The proxy payment server 1c according to this embodiment includes an application acquisition unit 133c and a proxy payment processing unit 134. FIG. The application acquisition unit 133c acquires a payment proxy application for applying for payment proxy for transactions between a supplier and a buyer. The proxy payment processing unit 134, in response to the proxy payment application acquired by the application acquisition unit 133, executes advance payment processing for paying the supplier the payment amount corresponding to the transaction amount included in the proxy payment application, Collection processing is executed to collect the collected amount corresponding to the transaction amount from the buyer's account 62 by using card settlement with a settlement card. Further, the payment agency processing unit 134 functions as a virtual member store corresponding to a member store of a card company that performs card settlement, and in collection processing, uses card settlement as a virtual member store to collect the collected amount from the buyer account 62. Execute the collection process.

As a result, the proxy payment server 1c according to the present embodiment can appropriately handle payment proxy even if the supplier is not affiliated with the affiliated store, for example. In other words, the payment agent server 1c according to the present embodiment can expand the number of trading partners to suppliers that are not affiliated with member stores, and can increase the use of card payment transactions between companies.

Further, in the present embodiment, the application acquisition unit 133c acquires a proxy payment application from the transaction processing server 5 that provides inter-company electronic commerce services.
As a result, the proxy payment server 1c according to the present embodiment can apply for proxy payment using the transaction processing server 5, thereby improving convenience.

In addition, the payment system 100c according to the present embodiment provides an electronic commerce service between companies, and includes the transaction processing server 5 that generates a payment proxy application for applying for payment proxy for transactions between a supplier and a buyer, and the above-described payment and a proxy server 1c.
As a result, the payment system 100c according to the present embodiment has the same effect as the payment agency server 1c, and can increase the use of card payment transactions between companies.

Further, the settlement method according to this embodiment includes an application acquisition step and a payment agency processing step. In the application obtaining step, the application obtaining unit 133c obtains a payment proxy application for applying for payment proxy for transactions between the supplier and the buyer. In the payment agency processing step, the payment agency processing unit 134 functions as a virtual member store corresponding to the member store of the card company that performs card settlement, and in the collection processing, the card payment is used as the virtual member store to collect the collected amount. A process of collecting from the buyer's account 62 may be executed.
As a result, the settlement method according to the present embodiment has the same effect as the payment surrogate server 1c, and can increase the use of card settlement transactions between companies.

The proxy payment server 1c according to the present embodiment also includes an application acquisition unit 133c, a fee distribution unit 136, and a proxy payment processing unit . The commission distribution unit 136 divides and sets the settlement commission corresponding to the transaction amount included in the proxy payment application into the buyer's share and the supplier's share. The proxy payment processing unit 134 is a payment proxy processing unit 134 that performs proxy payment of the transaction amount from the buyer to the supplier in response to the payment proxy application acquired by the application acquisition unit 133c, and subtracts the amount borne by the supplier from the transaction amount. A replacement payment process is executed to transfer the paid amount to the supplier, and a collection process is executed to collect from the buyer's account 62 the collected amount obtained by adding the buyer's share to the transaction amount.
As a result, the payment agency server 1c according to the present embodiment can flexibly set the settlement fee between the buyer and the supplier, further expanding the scope of inter-company transactions.

Also, the settlement method according to the present embodiment includes an application acquisition step, a commission distribution step, and a payment agency processing step. In the commission distribution step, the commission distribution unit 136 distributes and sets the settlement commission corresponding to the transaction amount included in the proxy payment application to the buyer's portion and the supplier's portion. In the payment agency processing step, the payment agency processing unit 134 acts on behalf of the buyer to pay the transaction amount to the supplier in accordance with the payment agency application acquired in the application acquisition step, and the payment is made by subtracting the amount borne by the supplier from the transaction amount. A replacement payment process of transferring the amount to the supplier is executed, and a collection process of collecting the collected amount obtained by adding the buyer's burden to the transaction amount from the buyer's account 62 is executed.
As a result, the settlement method according to the present embodiment has the same effect as the above-described payment agent server 1c, and enables the buyer and the supplier to flexibly set settlement fees, thereby increasing the range of transactions between companies. It can be extended further.

It should be noted that the present invention is not limited to the above embodiments, and can be modified without departing from the scope of the present invention.
For example, in each of the above embodiments, the proxy payment server 1 (1a to 1c) has been described as a device different from the transaction processing server 5, but the proxy payment server 1 (1a to 1c) has the functions of the transaction processing server 5. may be included.

Further, in each of the above-described embodiments, the payment agent server 1 (1a to 1c) is explained as one device, but it may be composed of a plurality of devices. Further, although the example in which the proxy payment server 1 (1a to 1c) includes the storage unit 12 has been described, part or all of the storage unit 12 may be provided outside the proxy payment server 1 (1a to 1c). good too. For example, part or all of the storage unit 12 may be an external storage device connected to the network NW1.

In addition, in the above-described first to third embodiments, the proxy payment server 1 (1a, 1b) acquires a payment proxy application including sales contract information by different methods. It is also possible to prepare a payment proxy application according to a method and switch between these methods.

In each of the above-described embodiments, the payment agent processing unit 134 performs transfer processing to the supplier using FB data. You may perform transfer processing to the supplier.
Also, in each of the above embodiments, an example of using a credit card as an example of a settlement card has been described, but the present invention is not limited to this, and other settlement cards or other types of transfer or remittance may be used. A virtual settlement number or the like may be applied.

In each of the above embodiments, the payment to the supplier has been described as an example of transferring the payment amount to the supplier account 63, but electronic money, virtual currency, etc. can be used to pay the supplier's IC card, terminal, hardware wallet, etc. Alternatively, the amount may be transferred to a bank account other than the supplier account 63, such as direct transfer.
In addition, in each of the above embodiments, the member store includes a contract with the card company, other contracts, or an application form, and the virtual member store does not have to be a form of signing a member store contract with the card company. .

Each component of the payment system 100 (100a to 100c) and payment agent server 1 (1a to 1c) described above has a computer system inside. Then, a program for realizing the function of each configuration provided in the payment system 100 (100a to 100c) and the payment agent server 1 (1a to 1c) described above is recorded in a computer-readable recording medium, and stored in the recording medium. By causing the computer system to read the recorded program and execute it, the processing in each configuration provided in the payment system 100 (100a to 100c) and the payment agency server 1 (1a to 1c) may be performed. Here, "loading and executing the program recorded on the recording medium into the computer system" includes installing the program in the computer system. The "computer system" here includes hardware such as an OS and peripheral devices.
Also, the "computer system" may include a plurality of computer devices connected via a network including communication lines such as the Internet, WAN, LAN, and dedicated lines. The term "computer-readable recording medium" refers to portable media such as flexible discs, magneto-optical discs, ROMs and CD-ROMs, and storage devices such as hard discs incorporated in computer systems. Thus, the recording medium storing the program may be a non-transitory recording medium such as a CD-ROM.

Recording media also include internal or external recording media accessible from the distribution server for distributing the program. The program may be divided into a plurality of programs and downloaded at different timings, and then combined in each configuration of the payment system 100 (100a to 100c) and the payment agent server 1 (1a to 1c). A distribution server that distributes each may be different. Furthermore, a "computer-readable recording medium" is a volatile memory (RAM) inside a computer system that acts as a server or client when the program is transmitted via a network, and retains the program for a certain period of time. It shall also include things. Further, the program may be for realizing part of the functions described above. Furthermore, it may be a so-called difference file (difference program) that can realize the above-described functions in combination with a program already recorded in the computer system.

Also, part or all of the functions described above may be implemented as an integrated circuit such as an LSI (Large Scale Integration). Each function mentioned above may be processor-ized individually, and may integrate|stack and processor-ize a part or all. Also, the method of circuit integration is not limited to LSI, but may be realized by a dedicated circuit or a general-purpose processor. In addition, when an integration circuit technology that replaces LSI appears due to advances in semiconductor technology, an integrated circuit based on this technology may be used.

Reference Signs List 1, 1a, 1b, 1c payment agency server 2 buyer terminal 3 supplier terminal 4 card company server 5 transaction processing server 6 financial institution server 11 NW communication unit 12 storage unit 13, 13a, 13b, 13c control unit 21, 31 input unit 22 , 32 display unit 41 card management storage unit 51 sales contract storage unit 61 payment agency account 62 buyer account 63 supplier account 100, 100a, 100b, 100c settlement system 121 account storage unit 122 supplier information storage unit 123 buyer information storage unit 124 transaction information Storage unit 125 Usage fee storage unit 126 Settlement fee storage unit 127 Monthly usage fee storage unit 128 Early payment fee storage unit 131 Buyer registration unit 132 Supplier registration unit 133, 133a, 133b, 133c Application acquisition unit 134 Payment agency processing unit 135 Settlement fee Setting unit 136 Fee distribution unit 137 Deposit fee setting unit

Claims (11)

an application acquiring unit for acquiring a payment proxy application including sales contract information indicating a sales contract between a seller and a buyer, the payment proxy application indicating an application for payment proxy from the buyer;
In response to the proxy payment application acquired by the application acquisition unit, an advance payment process is performed to pay the seller a payment amount corresponding to the sales contract on behalf of the seller, and a predetermined amount after acquiring the proxy payment application a payment agency processing unit that executes collection processing for collecting the collection amount corresponding to the sales contract from the buyer's account on the due date ,
The payment agency processing unit corresponds to a member store of a card company that performs card payment using a payment card, and in the card payment, requests the card company to collect the collected amount and requests payment of the payment amount. to the financial institution, and in the collection process, as the virtual member store instead of the seller, using card settlement with the settlement card via the card company, the collected amount from said buyer's account
A payment agency device characterized by: The application acquisition unit acquires from the buyer terminal, which is the buyer's terminal, the payment proxy application including, as the sales contract information, firm banking data acquired from a transaction processing device that provides an electronic commerce service between companies. ,
2. The proxy payment apparatus according to claim 1, wherein the proxy payment processing unit executes the replacement payment process and the collection process corresponding to the sales contract indicated by the firm banking data. wherein the application acquisition unit acquires the payment proxy application including transaction information between the seller and the buyer as the sales contract information from a transaction processing device that provides electronic commerce services between companies. Item 1. The payment agent apparatus according to item 1. The application acquisition unit acquires the payment proxy application including image data representing the sales contract as the sales contract information from the buyer's terminal, which is the buyer's terminal;
2. The proxy payment apparatus according to claim 1, wherein the proxy payment processing unit executes the replacement payment process and the recovery process corresponding to the sales contract indicated by the image data. The proxy payment processing unit requests the card company to pay the payment amount on behalf of the seller's account in the replacement payment process . Payment agent apparatus according to any one of the preceding paragraphs . The payment agency processing unit calculates the collection amount based on the transaction amount and a settlement fee corresponding to the transaction amount of the sales contract. payment agency device according to . a commission distribution unit that divides and sets the settlement commission into a buyer-borne portion and a seller-borne portion;
The payment agency processing unit performs a process of transferring the payment amount obtained by subtracting the seller's share from the transaction amount in the replacement payment process to the account of the seller, and performs a process of transferring the transaction amount to the buyer's account in the collection process. 7. The payment agent apparatus according to claim 6 , wherein a process of collecting the collected amount with the added portion from the buyer's account is executed. a deposit fee setting unit that sets a deposit fee for the seller according to a change in the deposit due date to be paid to the seller by the replacement payment process;
When the payment due date is changed, the proxy payment processing unit replaces the payment amount calculated based on the transaction amount of the sales contract and the payment fee in the replacement payment process with the changed payment amount. 8. The payment agent apparatus according to any one of claims 1 to 7 , wherein a process of transferring money to the seller's account is executed on the due date. comprising a transaction processing device for providing business-to-business electronic commerce services and a payment agency device;
The payment agency device
An application acquiring unit for acquiring a proxy payment application including sales contract information indicating a sales contract between a seller and a buyer contracted by the transaction processing device, the payment proxy application indicating an application for proxy payment from the buyer. When,
In response to the proxy payment application acquired by the application acquisition unit, an advance payment process is performed to pay the seller a payment amount corresponding to the sales contract on behalf of the seller, and a predetermined amount after acquiring the proxy payment application a payment agency processing unit that executes collection processing for collecting the collection amount corresponding to the sales contract from the buyer's account on the due date ,
The payment agency processing unit corresponds to a member store of a card company that performs card payment using a payment card, and in the card payment, requests the card company to collect the collected amount and requests payment of the payment amount. to the financial institution, and in the collection process, as the virtual member store instead of the seller, using card settlement with the settlement card via the card company, the collected amount from said buyer's account
A settlement system characterized by : an application acquisition step in which an application acquisition unit acquires a payment proxy application including sales contract information indicating a sales contract between a seller and a buyer, the payment proxy application indicating an application for payment proxy from the buyer;
A payment agency processing unit executes advance payment processing for paying the seller a payment amount corresponding to the sales contract on behalf of the seller in accordance with the payment agency application acquired by the application acquisition step, and the payment agency. a payment agency processing step of executing collection processing for collecting the collection amount corresponding to the sales contract from the buyer's account on a predetermined date after obtaining the application ,
In the payment agency processing step, the payment agency processing unit corresponds to a member store of a card company that performs card settlement using a settlement card, and in the card settlement, requests the card company to collect the collected amount, It functions as a virtual member store that requests payment of the payment amount to a financial institution, and in the collection process, performs card settlement with the settlement card via the card company as the virtual member store instead of the seller. to execute the process of collecting said collection amount from said buyer's account
A settlement method characterized by to the computer,
an application acquisition step of acquiring a payment proxy application including sales contract information indicating a sales contract between a seller and a buyer, the payment proxy application indicating an application for payment proxy from the buyer;
performing advance payment processing for paying the seller a payment amount corresponding to the sales contract on behalf of the seller in response to the proxy payment application acquired by the application acquisition step; a payment agency processing step for executing collection processing for collecting the collection amount corresponding to the sales contract from the buyer's account on the date of
In the payment agency processing step, it corresponds to a member store of a card company that performs card settlement using a settlement card, and in the card settlement, requests the card company to collect the collected amount and requests payment of the payment amount. to the financial institution, and in the collection process, as the virtual member store instead of the seller, using card settlement with the settlement card via the card company, the collected amount from the buyer's account .

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