JPH09326002A - Electronic settlement system on computer network - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an electronic settlement system on a computer network which can select a settling method according to the price of merchandise and surely, speedily and inexpensively collecting the price. SOLUTION: This electronic settlement system constructs a virtual shopping street on the computer network to allow a user to buy desired merchandise on on-line from stores constituting the shopping street and to select the adjustment of the price for the purchased merchandise according to the price of the merchandise. In this case, with respect to a real bank 7 adjusting the price of the purchased merchandise, a virtual bank 2 is provided on the network. The virtual bank 2b is provided with a user's virtual account 2a and the virtual account of the store 2b. When the user purchases merchandise, the virtual bank 2 shifts money between the user's virtual account 2a and the virtual account of the store 2b and instructs automatic transfer to the real bank 7 for the adjustment of the price, and the real bank adjust the price based on this instruction.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic settlement system on a computer network, and more particularly, to a virtual shopping mall built on a computer network, and a user's desired product online from a store which constitutes this shopping street. The present invention relates to an electronic payment system on a computer network that enables users to purchase a product and also to select a payment method for the price according to the price of the purchased product.

[0002]

2. Description of the Related Art Recently, for example, an attempt has been made to sell a product by providing a virtual store on the Internet. However, as for the payment of the purchased price, at present, when the product is sent, it is cleared by cash on delivery, or it is cleared by transfer or the like. Recently, an online payment system using a credit card is being developed, but it is said that the commission is not profitable for selling products under 2,000 yen. Also, the above method is
Since the cost is increased due to the manual work, it is complicated, and in many cases, the user is a foreigner who is far away, and in the worst case, the cost cannot be collected.

[0003]

SUMMARY OF THE INVENTION The present invention has been made in view of the above points, and an object of the present invention is to reliably and swiftly use a payment method according to a product price. Moreover, the present invention provides an electronic settlement system on a new computer network that can collect the price at low cost.

[0004]

In order to solve the above-mentioned problems, an electronic settlement system on a computer network according to the present invention constructs a virtual shopping mall on the computer network, and stores from the shops constituting the shopping mall. An electronic payment system on a computer network that allows users to purchase desired products online and select the payment method for the purchased price according to the product price. A virtual bank is provided on the network for a real bank that performs the liquidation of the virtual bank, and the virtual bank has a virtual account for each user and a virtual account for each store, and when the user purchases a product. ,
The virtual bank performs virtual fund transfer between the virtual account of the user and the virtual account of the store, and also issues an automatic transfer instruction to the real bank for clearing the payment, and based on this instruction The real bank is characterized by being configured to settle the payment.

Further, the automatic transfer instruction is issued at predetermined intervals. In addition, the virtual bank and the real bank are connected on a computer network, and the automatic transfer instruction is issued each time a product is traded.

Further, a virtual bank deposit account is provided in the real bank, and a predetermined amount of money is transferred in advance from the user's deposit account to the virtual bank's deposit account, and when the user purchases a product, the virtual bank Is characterized in that the real bank makes a settlement by immediately or accumulating for a certain period of time and instructing the real bank to transfer the price of the product from the deposit account of the virtual bank to the deposit account of the store. . In addition, a second virtual account is set up in which the usage limit is set under the guarantee of the user, and the payment for the product purchased using the second virtual account is performed by the user's virtual account. It is configured to add the usage fee purchased using the second virtual account to the usage amount shown in the account, instruct the real bank to make an automatic transfer, and settle the payment. Is characterized by.

[0007]

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of an electronic payment system on a computer network according to the present invention will be described in detail with reference to FIGS. FIG. 1 is a diagram for explaining an outline of a system using a virtual bank according to the present invention. In FIG. 1, reference numeral 1 is a virtual shopping mall (or a plurality of stores, etc.) constructed on a server constituting a computer network. (Also referred to as a virtual mall), 2 is a virtual bank provided on the computer network and connected to the server, 3
Is a computer for the user, 4 is a computer network connecting the virtual shopping mall 1, the virtual bank 2, the computer 3 of the user and the computer of the card company, and 5 is a computer of the card company connected online via the gateway 6. , 7 are banks (referred to as virtual banks to virtual banks), and the price of the product purchased by the user in the virtual shopping mall 1 is settled in the real bank 7 based on the instructions of the virtual bank 2. .

The virtual bank 2 is provided with a virtual account 2a for each user, and is also provided with a virtual account 2b for each store opened in the virtual shopping mall 1, and the virtual account 2a for the user is provided. Includes a predetermined period for each user (for example, one month)
Data, such as date and time of use, specifically the date and time of use, the name and code number of the store used, the name of the product purchased and its product code, the total price, etc. are accumulated in real time. Similarly, the date and time of use, the user name and user code, the name of the product sold and its code, the total price, etc. are stored in real time. Therefore,
The user has his own virtual account 2a opened in the virtual bank 2.
By inquiring about the contents of the above, it is possible to know the usage details and the total amount used, and the virtual bank 2 informs the user of advance notice of the automatic transfer date and other notices necessary for use online or offline. You can do it. Further, the retailer can know the total amount of accounts receivable. The part shown by the dotted line in the figure shows the part that is off-line.

Now, there are basically the following three methods for settlement using the virtual bank 2 according to the present invention, which will be described in order. Note that these methods can be selected according to the product price. First, the first method will be described with reference to FIG. As shown in FIG. 2, the virtual bank 2 has a virtual account 2a of the user and a virtual account 2b of the store. Similarly, in the real bank 7 as well, a deposit account 7a for each user and a deposit for each store. An account 7b is provided for each.

Then, every fixed period (for example, one month)
By virtually moving the funds from the virtual account 2a of the user of the virtual bank 2 to the virtual account 2b of the store on the predetermined day, the virtual bank 2 settles the price and the real bank 7
For making an actual payment to the virtual bank 2, the virtual bank 2
From the user's deposit account 7a to the store's deposit account 7
Instruct b to automatically transfer the price.

Therefore, based on this, the real bank 7 transfers the account and completes the settlement of the price. Although this instruction is given offline in FIG. 2, it may be configured to be given online. By performing the settlement in this way, even if a small amount of transaction is frequently performed, the settlement is collectively performed, so that the settlement can be completed inexpensively and surely.

FIG. 3 is a diagram showing a second settlement method of the present invention. In FIG. 3, the virtual bank 2 and the real bank 7 are connected online, and the virtual bank 2 automatically operates at the same time as the end of the transaction of the high-priced product. The real bank 7 is instructed to transfer the money, and based on this, the real bank 7 transfers the account and collects the money at an early stage. It goes without saying that the first method and the second method may be used in combination.

FIG. 4 is a diagram showing a third settlement method of the present invention. In this method, the real bank 7 is replaced by a virtual bank deposit account 7
c is provided, and a predetermined amount of money is preliminarily transferred from the user's deposit account 7a to the virtual bank's deposit account 7c, and at the same time, this information is input to the user's virtual account 2a of the virtual bank 2. This state is indicated by in FIG. Then, when the user purchases a product, the virtual bank 2 performs virtual asset transfer from the user's virtual account 2a to the store's virtual account 2b. The virtual bank 2 is a real bank 2 immediately or at regular intervals.
To issue a payment instruction. Based on this instruction, the real bank 7 changes from the virtual bank deposit account 7c to the store deposit account 7c.
Transfer the funds to b and complete the settlement.

FIG. 5 shows a settlement system for young people who cannot use credit cards or the like due to age restrictions, especially for children under high school. In this case, a virtual account 2b for a parent who is a user and a virtual account for children (second virtual account) 2c that can be used under the guarantee of the parent are provided on the virtual bank 2. This state is represented as ,, on the figure. Therefore, for example, a usage limit amount of about 3000 yen to 5000 yen is set in the second virtual account.

Then, the child purchases the product using the second virtual account 2c, but when the payment is made at the real bank 7, the total usage amount of the virtual account 2b and the virtual account 2c is the user of the real bank 7. The account is transferred from the deposit account 7a to the store deposit account 7b. This state is represented by and in FIG. Therefore, when children use online shopping, they cannot purchase products that exceed the limit of use, and therefore troubles can be prevented.

When purchasing using a credit card, the virtual shopping mall 1 requests the credit card company 5 for credit and settlement each time. Therefore, the payment settlement using the virtual bank 2 is suitable for frequent small amount transactions.

[0017]

Since the electronic payment system on the computer network according to the present invention is configured as described above,
The following effects are obtained. (1) The retailer side can reliably collect the price of the product traded on the network. (2) By combining a payment method using a virtual bank and a payment method using a credit card, that is, a small-price product is a virtual bank and a high-priced product is a credit card or a virtual bank. We can provide various payment methods according to the user's condition,
Moreover, the user can select the payment method. (3) It has become possible to provide payment means to non-card holders. (4) Transferring an account at a real bank is extremely inexpensive,
Even if a cheap product is purchased using the system of the present invention, the burden on the shop side and the user side is small.

[Brief description of drawings]

FIG. 1 is a schematic diagram for explaining an entire system of the present invention.

FIG. 2 is a diagram illustrating a first settlement method of the present invention.

FIG. 3 is a diagram illustrating a second settlement method of the present invention.

FIG. 4 is a diagram illustrating a third settlement method of the present invention.

FIG. 5 is a diagram illustrating a case where a virtual account for a child is provided in addition to a virtual account for a parent and settlement of these accounts is performed.

[Explanation of symbols]

 1 Virtual shopping mall 2 Virtual bank 2a User's virtual account 2b Store's virtual account 3 User's computer 4 Computer network 7 Bank (real bank) 7a User's deposit account 7b Store's deposit account

Claims (5)

[Claims] 1. A virtual shopping mall is constructed on a computer network so that a user can purchase a desired product online from a sales outlet constituting the shopping mall and settle the purchase price. In the electronic payment system on the computer network as described above, a virtual bank is provided on the network for a real bank that clears the price of purchased products, and the virtual bank has a virtual account for each user and Having a virtual account for each store, when the user purchases a product, the virtual bank performs virtual fund transfer between the virtual account of the user and the virtual account of the store, and also clears the price. Electronic money on a computer network, characterized in that the real bank is configured to settle the payment based on this instruction. Payment system. 2. The electronic payment system on a computer network according to claim 1, wherein the automatic transfer instruction is issued at predetermined intervals. 3. The virtual bank and the real bank are connected via a computer network, and the automatic transfer instruction is issued each time a product is traded.
Alternatively, the electronic payment system on the computer network according to 2 above. 4. A virtual bank deposit account is provided in the real bank, a predetermined amount of money is transferred from the deposit account of the user to the deposit account of the virtual bank, and the virtual bank is used when the user purchases a product. Is to be settled by instructing the real bank to transfer the price of the product from the deposit account of the virtual bank to the deposit account of the store immediately or accumulating for a certain period of time. An electronic payment system on the computer network according to item 1, 2, or 3. 5. A second virtual account, which is set up under the guarantee of the user and has a usage limit set therein, is provided, and the payment for the product purchased using the second virtual account is settled by the above-mentioned use. Add the usage fee purchased using the second virtual account to the usage amount shown in the virtual account of the person, and instruct the real bank to automatically transfer and settle the payment. The electronic payment system on a computer network according to claim 1, 2, 3, or 4, which is configured.