JPWO2018185816A1 - Purchase system, purchase processing method, purchase target server, and computer program - Google Patents

Abstract

When a prepaid card is used for purchasing goods online, it is not necessary to input a card ID, and payment can be smoothly performed with the prepaid card. A purchase target server (80) of a shopping system (2) that provides an online product purchase opportunity receives login information from a user terminal (T1), performs a login process, and obtains a prepaid card of a prepaid card of a user who has completed login. The amount is inquired to the prepaid money management server 5 of the business entity that is the issuer of the prepaid card. The prepayment management server 5 transmits prepayment information for notifying the prepayment to the transaction server 80 in response to the inquiry. Upon receiving the prepayment information, the purchase target server 80 determines whether or not the purchase order of the user can be purchased with a prepaid card based on the notified prepayment, and if it is determined that the purchase is possible, purchases using the prepaid card. Is displayed on the user terminal. [Selection diagram] Fig. 1

Description

  The present invention relates to a purchase system, a purchase processing method, a purchase target server, and a computer program that can apply a prepaid amount based on a prepaid method such as a prepaid card as a purchase cost when purchasing (shopping) via a network.

  2. Description of the Related Art Conventionally, a system in which various products, services, and the like can be purchased online via a network using a communication terminal device such as a computer, a smartphone, or a mobile phone having a communication function has been generally used.

  As a method of using a prepaid card for online purchase, first, a user purchases a prepaid card sold in a store or the like, and performs an input operation of a card ID or the like written on the purchased prepaid card using communication performed by the user. It will be performed by the terminal device. By performing such an input operation, the card ID and the like are transmitted from the user's communication terminal device to the system side, and the system side can recognize the prepaid card purchased by the user, the amount of the advance payment, and the like. Examples of using an advance payment by a prepaid card or the like for online purchase are also disclosed in Patent Documents 1 and 2 below.

JP-A-2006-71658 JP 2006-177366 A

  In a system such as a shopping site that provides an opportunity to be able to purchase various products online, it is common to independently perform user authentication with login in order to realize reliable settlement. However, in Patent Document 1, the login destination is a user terminal used by a user (see paragraph 0080 and the like in Patent Document 1), and in Patent Document 2, the login destination is the communication of the user terminal. Is a carrier server that intervenes, and eliminates the need to log in to a shopping page (see paragraphs 0067 to 0071 in Patent Document 2). In the case where the purchase can be made with the advance payment by the above-mentioned method, there is a problem that the methods disclosed in the above-mentioned Patent Documents 1 and 2 cannot be used.

  Further, in Patent Documents 1 and 2 described above, the balance of the prepaid card is simply displayed on the user terminal (see FIG. 5A and FIG. 13A of Patent Document 1 and FIG. A) etc.), and there is also a problem that it is difficult to smoothly perform a user operation for transmitting an instruction to purchase a product or the like to a system such as a shopping site using a prepayment money related to a prepaid system.

The present invention has been made in view of such circumstances, and uses a prepaid payment method such as a prepaid card, such as a prepaid card, so that a purchase via a network can be performed even for a system that requires login. , A purchase processing method, a purchase target server, and a computer program.
Another object of the present invention is to provide a purchase system, a purchase processing method, a purchase target server, and a computer program that enable a user to smoothly perform a purchase instruction operation using a prepaid money related to a prepaid system.

  In order to solve the above-mentioned problems, the present invention provides a purchase target server that provides a purchase opportunity for a purchase target to a user through a network, in response to receiving a purchase target purchase instruction sent from a communication terminal device, In a purchase system for performing a purchase process, a prepayment management server that manages information corresponding to a user's prepayment related to a prepaid system for each user, wherein the server to be purchased includes user login information transmitted from the communication terminal device. When receiving the prepayment, based on the received user login information, means for performing a user login process, and means for transmitting inquiry information of a prepayment related to the user who has completed login to the prepayment management server, When receiving the inquiry information, the money management server notifies the user of the inquiry target of the advance payment. Means for transmitting payment information to the purchase target server, wherein the purchase target server further receives the prepayment information, and uses the prepayment notified by the received prepayment information to purchase the purchase target. Means for generating purchase screen information relating to a purchase screen capable of accepting an instruction operation; and means for transmitting the generated purchase screen information to the communication terminal device, wherein the communication terminal device receives the purchase screen information. Means for generating and displaying a purchase screen based on the received purchase screen information, and using the prepayment when the operation of instructing the purchase of the purchase target using the prepayment is received on the displayed purchase screen. Means for transmitting a purchase instruction to purchase the purchase target to the purchase target server.

  Further, according to the present invention, a purchase target server that provides a purchase opportunity of a purchase target to a user through a network performs the purchase target purchase process in response to receiving a purchase target purchase instruction sent from the communication terminal device. In a purchase processing method by a purchase system, the purchase system includes a prepayment management server that manages information corresponding to a prepayment of a user according to a prepaid system for each user, and the purchase target server is a communication terminal device. Receiving the user login information sent from the user, based on the received user login information, a step of performing a user login process, and a step of transmitting inquiry information of a prepayment related to the user who has completed login to the prepayment management server When the prepayment management server receives the inquiry information, the prepayment management server And transmitting the prepayment information notifying the prepayment of the user to the server to be purchased, wherein the server to be purchased further includes, when receiving the prepayment information, the prepayment notified by the received prepayment information. A step of generating purchase screen information relating to a purchase screen capable of accepting an operation of instructing the purchase of the purchase target by using, and a step of transmitting the generated purchase screen information to the communication terminal device. The terminal device, when receiving the purchase screen information, generating and displaying a purchase screen based on the received purchase screen information, and an operation of instructing the purchase of the purchase target using a prepayment on the displayed purchase screen. And transmitting a purchase instruction to purchase the purchase target to the purchase target server using a prepayment. .

  Furthermore, the present invention provides the purchase opportunity of the purchase target to the user through the network, and performs the purchase target purchase process in response to receiving the purchase target purchase instruction sent from the external communication terminal device. In the case where the purchase target server receives the user login information sent from the external communication terminal device, based on the received user login information, means for performing a user login process, and inquiry information of a prepayment related to the user who has completed login. Means for transmitting information corresponding to the user's prepayment related to the prepaid method to an external prepayment management server for managing each user, and prepayment information for notifying the user's prepayment with the transmission of the inquiry information Is received, the operation of instructing the purchase of the purchase target is performed using the prepayment notified by the received prepayment information. Characterized in that it comprises means for generating a purchase screen information with the according to the purchase screen capable, and means for transmitting the generated purchase screen information to the outside of the communication terminal apparatus.

The present invention includes means for comparing the purchase cost of the purchase target with the amount of the prepayment notified by the received prepayment information, and when the purchase cost of the purchase target is equal to or less than the amount of the prepayment, It is characterized in that purchase screen information is generated.
Further, the present invention is a means for generating, when the purchase cost of the purchase target exceeds the amount of a prepayment, purchase non-purchase screen information relating to a purchase non-prohibition screen indicating that purchase of the purchase target is not possible, Means for transmitting non-purchase screen information to an external communication terminal device.

The present invention is characterized in that it comprises means for calculating a deficiency for the purchase of the purchase target with the amount of the prepayment, and generates purchase unavailability screen information related to a purchase unavailability screen indicating the calculated deficiency. And
Also, the present invention is characterized in that purchase non-permission screen information relating to a purchase non-permission screen indicating payment of a prepayment is generated for the purchase target cancellation of the purchase target.

The present invention is characterized in that purchase-impossible screen information relating to a purchase-impossible screen capable of accepting an operation instruction for switching to a display of a payment acceptance screen for a prepayment is generated.
Further, according to the present invention, when the purchase target can reduce the purchase amount, the purchase non-permission screen information related to the purchase non-permission screen indicating the purchase target purchase amount reduction is displayed in response to the purchase target purchase non-elimination. It is characterized in that it is generated.
Further, in the present invention, when the purchase target is capable of reducing the purchase amount, purchase non-permission screen information relating to a purchase non-permission screen capable of accepting an operation of designating the purchase amount of the purchase target is generated. It is characterized by the following.

  According to the present invention, a purchase target server that provides a purchase opportunity of a purchase target to a user through a network receives the purchase target purchase instruction sent from an external communication terminal device, and performs the purchase target purchase processing. In the purchase processing method, when user log-in information sent from an external communication terminal device is received, a step of performing a user log-in process based on the received user log-in information; Is transmitted to an external prepayment management server that manages information corresponding to the user's prepayment related to the prepaid method for each user; and, along with the transmission of the inquiry information, the prepayment information for notifying the user's prepayment. When receiving the prepayment information, instruct the purchase of the purchase target using the prepayment notified by the received prepayment information Generating a purchase screen information relating to the reception can purchase screen of the operation that, characterized in that it comprises a step of transmitting the generated purchase screen information to the outside of the communication terminal apparatus.

  The present invention causes a server computer that provides a purchase opportunity of a purchase target to a user via a network to execute the purchase target purchase process in response to receiving a purchase target purchase instruction sent from an external communication terminal device. A computer program for receiving, when the server computer receives user login information sent from an external communication terminal device, performing a user login process based on the received user login information; and Transmitting the inquiry information of the prepayment to an external prepayment management server that manages information corresponding to the prepayment of the user according to the prepaid method for each user; and transmitting the inquiry information, If you receive prepayment information, you will receive the prepayment information A step of generating purchase screen information relating to a purchase screen capable of accepting an operation of instructing the purchase of the purchase target using the notified advance payment, and a step of transmitting the generated purchase screen information to an external communication terminal device Are executed.

  In the present invention, the server to be purchased acquires the information of the prepayment of the user who has completed the login from the prepayment management server by triggering the login completion, and allocates the prepayment related to the acquired information to the purchase cost. The user is presented with a screen on which the user can issue a purchase instruction so that the user can purchase the desired object online with a prepaid card or the like by simply performing the operation of the purchase instruction. As a result, it is possible to purchase the system using a prepayment even for a system that requires a unique login, and it is possible to smoothly perform a purchase instruction operation using the prepayment.

  The prepayment related to the prepaid method in the present invention corresponds to a prepayment according to a prepaid card issued by various business entities. Etc. can be used for the purchase of various products. Therefore, in the present invention, depositing an account corresponding to a debit card (including a cash card having a debit card function) can be performed in a broadly prepaid manner. It shall fall under such advance payment. In addition, the purchase target of the present invention includes a wide range of items that can be purchased with advance payment. For example, various goods and various services fall under the purchase target and an electronic currency that can purchase a predetermined amount with advance payment. (Electronic money), virtual currency, and the like are also included in the purchase target of the present invention.

  According to the present invention, when the purchase cost is equal to or less than the amount of the prepayment, a purchase screen on which the user can operate the purchase instruction is presented. Purchases can be made smoothly.

According to the present invention, when the purchase cost exceeds the amount of the prepayment, the user is presented with a non-purchase screen indicating that the purchase is not possible. Therefore, the user can understand that the prepayment by the prepaid method cannot be used. As a result, the user can be prevented from being unnecessarily confused.
Further, according to the present invention, the shortage amount for purchase is calculated and presented on the purchase impossible screen, so that the user can grasp the specific shortage amount, and it is possible to cope with the inability to purchase with the advance payment. Is easier to do.

According to the present invention, since specific contents such as additional payment of a prepayment are presented on the purchase unavailability screen in order to eliminate the unavailability of the purchase, the purchase with the prepayment can be easily achieved.
Further, according to the present invention, a purchase refusal screen relating to a purchase refusal screen capable of accepting an operation instruction for switching the display to a screen for accepting the additional payment of the advance payment is generated, so that the additional payment of the advance payment can be smoothly performed. Accordingly, it becomes easier for the user to purchase the desired purchase target with the advance payment.

In the present invention, when the purchase target specified by the user can reduce the purchase amount, specific contents such as the purchase amount reduction are presented in order to eliminate the purchase inability. Gold purchases are easier to achieve.
Further, according to the present invention, since the purchase non-permission screen information relating to the purchase non-permission screen capable of accepting the operation of designating the purchase amount is generated, the purchase amount can be reduced smoothly when the user permits. , Making it easier to make purchases with upfront payments.

According to the present invention, if the user logs in to the server to be purchased, the user can issue a prepaid purchase instruction by the prepaid method. This can be realized, and the user can smoothly perform the operation of the purchase instruction using the advance payment.
Further, in the present invention, when the purchase cost is equal to or less than the amount of the prepayment, a purchase screen on which the user can perform a purchase instruction operation is presented, so that online purchase using the prepayment such as a prepaid card is performed. Can be performed smoothly.

According to the present invention, when the purchase cost exceeds the amount of the prepayment, the user is presented with a non-purchase screen indicating that the purchase is not possible. To avoid getting confused.
Further, according to the present invention, the shortage for the required purchase amount is presented on the purchase impossible screen, so that the user can grasp the specific shortage at a glance and cope with a situation where the purchase cannot be made with the advance payment. Can help.

According to the present invention, since specific contents such as additional payment of a prepayment are presented on the purchase unavailability screen in order to eliminate the unavailability of the purchase, it is possible to support the purchase with the prepayment.
Further, according to the present invention, since the additional payment of the prepayment is accepted, the additional payment of the prepayment can be smoothly performed, and accordingly, the user can continue the series of purchase operations without interruption. Purchasing the desired purchase target with the advance payment can be realized.

In the present invention, when the purchase target specified by the user can reduce the purchase amount, specific contents such as the reduction of the purchase amount are presented in order to eliminate the purchase non-prohibition on the purchase-disabled screen. , So you can support the purchase with the advance payment.
Further, in the present invention, since the change of the purchase amount can be designated, the user can smoothly cope with the case where the purchase amount is reduced.

It is a schematic diagram showing the whole composition of the purchase system concerning a 1st embodiment of the present invention. It is a block diagram showing the main internal composition of a prepayment management server. It is a chart showing an example of a prepaid DB (database). It is the schematic which shows an example of a charge screen. FIG. 3 is a block diagram illustrating a main internal configuration of a purchase target server. 5 is a chart showing an example of a user DB. FIG. 2 is a block diagram illustrating a main internal configuration of a smartphone (communication terminal device) as an example of a user terminal. It is a schematic diagram showing a login screen. It is a schematic diagram showing an example of a sale goods screen. (A) is a schematic diagram showing a prepaid use setting screen, and (b) is a schematic diagram showing an example of a product order screen. (A) is a schematic diagram showing an example of a purchase screen, and (b) is a schematic diagram showing an example of a purchase impossible screen. It is the schematic which shows an example of the purchase non-prohibition screen which described reduction of the purchase amount etc. It is the schematic which shows an example of the purchase non-prohibition screen which displayed reduction etc. of a merchandise item. It is the schematic which shows a purchase completion screen. It is a 1st flowchart which shows the processing procedure of a purchase processing method. It is a 2nd flowchart which shows the processing procedure of a purchase processing method. It is a 3rd flowchart which shows the processing procedure of a purchase processing method. It is the schematic which shows an example of the sale goods screen of a modification. (A) is a schematic diagram showing an example of a purchase screen of a modified example, and (b) is a schematic diagram showing an example of a purchase unavailable screen of the modified example. (A) is a schematic diagram showing storage contents of a user terminal according to the second embodiment, and (b) is a schematic diagram showing storage contents of a purchase target server of the second embodiment.

  FIG. 1 shows an overall schematic configuration of a purchasing system 1 according to the first embodiment of the present invention. The purchase system 1 can use a prepayment related to a prepaid method (for example, various cards such as a prepaid card) for a payment required for purchasing a product (corresponding to an example of a purchase object) online via a network NW. In this case, it is characterized in that a user can use a prepaid card such as a prepaid card without inputting a card ID of a prepaid card or the like, thereby improving user convenience.

  In the present embodiment, the prepayment included in the prepaid card is used, and as the prepayment related to the prepaid method, either a single-use type or a prepayable chargeable type can be used. It is necessary that a user who manages prepayment can be identified by a user who uses Yahoo! For this reason, in the present embodiment, in order to identify a user who uses the advance payment, a prepaid account issued by the business entity that collects the expenses (expenses including the advance payment) for each fixed period (for example, on a monthly basis) to the user. Applying a pattern of using a prepayment method.

  Examples of the collection of expenses for each fixed period include utilities such as water and sewage, electricity and gas, fixed and mobile phones (including smartphones), communication costs related to the use of data communications, newspapers and magazines, etc. Purchase expenses, lease expenses for various leased goods, rental expenses for rental properties, security expenses paid to security companies, purchase expenses for regular purchases, etc. can be assumed. Among such expenses paid in units of a certain period, By adding and collecting the amount of the prepaid money, the prepaid money of the user can be reliably generated at regular intervals, and it is possible to create a situation where the prepaid money can be applied to various purchases.

  In the present embodiment shown in FIG. 1, a prepaid card issued by a communication carrier entity that collects communication costs for communication equipment (communication terminal device) used by a user is used. The communication carrier business entity has established a communication carrier system 4 in order to perform various management processes associated with communications. In this system, the usage status of the user's prepaid card (the balance of the prepaid money related to the prepaid card) is included. Etc.) is included. The prepayment management server 5 can provide, via the network NW, amount information and the like corresponding to the prepayment related to the prepaid card.

  Further, in the present embodiment shown in FIG. 1, various merchandise sold by e-commerce is described as an example of a purchase target, and a shopping business company that accepts a purchase order of a merchandise from a user is constructed. The purchase system 1 uses the shopping system 2 to perform. The shopping system 2 includes a purchase target server 80 that receives an order, an instruction, and the like for a product purchase from a user through a network NW.

  Further, in order to enable users (U1, U2, U3, etc.) to be provided with purchase opportunities for various products sold through e-commerce (online) constructed by the shopping system 2, the shopping system 2 is configured to use shopping. The user is registered in the shopping service to be provided, and upon completion of the user registration, a user ID is assigned (issued) from the shopping system 2 for each user. The user terminals T1, T2, T3, and the like used by the user to which the user ID is assigned correspond to the communication terminal device, and specifically, a personal computer having a communication function (stationary or portable personal computer), A kind of computer-like device having a communication function such as a portable terminal (tablet, smartphone, PDA with communication function, mobile phone, etc.) can be applied as the user terminal. Hereinafter, the first embodiment of the present invention will be described in detail.

  FIG. 2 shows a main internal configuration of the prepayment management server 5 included in the communication carrier system 4. The prepayment management server 5 manages, for each user, information on the amount of prepayment according to the user's prepaid card. In FIG. 2, a single server apparatus is shown as the prepaid money management server 5, but the management processing relating to the prepaid cart is performed in a distributed manner, and the data management is also distributed to the database apparatus. The management server 5 can be constructed by combining a plurality of server computers, database systems, and the like, and even when constructed with such a plurality of devices, it corresponds to the prepayment management server 5 in the present invention. Although not shown, the communication carrier system 4 includes various servers in addition to the prepayment management server 5, and examples of the various servers include, for example, a server that performs communication processing, a communication fee (prepaid payment). There is a server or the like that is responsible for management processing such as collection (withdrawal, etc.) of a card payment (which may include advance payment).

  A general server computer is applied as the prepayment management server 5 in the present embodiment, and various devices and the like are connected to the MPU 5a (control unit 5a) that performs overall control and various processes by an internal connection line 5h. Various devices include a communication module 5b, a RAM 5c, a ROM 5d, an input interface 5e, an output interface 5f, and a large-capacity storage system (HDD system) 5g.

  The communication module 5b is a communication device (communication means) corresponding to a connection module with the network NW, and conforms to a required communication standard (for example, a LAN module). The communication module 5b is connected to a network NW via a required communication device (not shown; for example, a router or the like), and enables communication with the purchase target server 80 of the shopping system 2 or a user terminal. I have.

  The RAM 5c temporarily stores contents, files, and the like associated with the processing of the MPU 5a, and the ROM 5d stores programs and the like that define the basic processing contents of the MPU 5a. The input interface 5e is connected to a keyboard 5i, a mouse, and the like that receive operation instructions and the like from the system administrator of the communication carrier system 4, and transmits the operation instructions and the like received from the system administrator to the MPU 5a. The output interface 5f is connected to the display 5j (display output device) and outputs the content accompanying the processing of the MPU 5a to the display 5j so that the system administrator or the like can check the current processing content or the like. .

  The large-capacity storage system 5g (corresponding to storage medium means) stores a program, a database (DB), and the like. In this embodiment, the server system program P1, the management program P2, the prepaid DB (database) 6, and the like are stored. I remember.

  The server system program P1 defines various processes according to the server operation system. The MPU 5a executes a process based on the specified contents, so that the prepayment management server 5 is a basic server. Perform the function. The description of the management program P2 will be described later, and the prepaid DB 6 and the like will be described first.

  FIG. 3 shows an example of the contents of the prepaid DB 6, in which a communication carrier entity that collects communication costs for communication equipment used by a user of a communication carrier enters into a contract with a user regarding use of communication equipment and the like. At this time, a communication user ID for user identification is issued for each user in order to specify the communication amount of the communication device for each user, and the prepaid DB 6 stores the communication PW (password ), Card ID (identification information for identifying the prepaid card used by the user), prepaid amount, usage history, and other items are associated with each other to obtain required information. As described above, by storing information corresponding to each item for each user in association with the communication user ID, the prepayment management server 5 (MPU 5a) can grasp various information for each user.

  Users of telecommunications carriers can apply for the use of prepaid cards issued by telecommunications carriers when making contracts with telecommunications carriers for use of communication equipment, etc. The user who has applied for the use of the card pays a prepaid amount (a fixed amount) related to the prepaid card, together with a communication fee paid every month. The monthly prepaid amount of the prepaid card can be selected at a predetermined amount desired by the user at the time of applying for the use of the prepaid card.

  For example, the user selects any one of 10,000 yen, 20,000 yen, 30,000 yen, 50,000 yen, 100,000 yen, etc. as a monthly prepaid amount of the prepaid card, and communicates with the selected amount. The user will pay the communication carrier entity monthly in addition to the amount of communication cost. Since the prepaid card used in the present embodiment has the above-mentioned specification, it is a rechargeable type, and the prepaid card actually delivered to the user is provided with a card ID similarly to the conventional prepaid card. It has become something. Further, as described above, in addition to paying the advance payment on a monthly basis, the advance payment management server 5 also allows the user to charge (pay) the advance payment of the prepaid card as needed.

  FIG. 4 shows an example of the charge screen 9 used when the user additionally charges (pays) the prepaid amount of the prepaid card. The business entity that issues the prepaid card (in this embodiment, the communication carrier business entity) distributes the application software (app) corresponding to the charge screen 9 shown in FIG. 4 so that it can be downloaded to the communication terminal device used by the user. By activating such a prepaid charge application, the user displays the charge screen 9 on the communication terminal device used by the user and performs an operation of appropriately adding a required advance payment. become.

  The charge screen 9 includes a charge amount designation field 9a for a prepaid amount, and a charge button 9b and a cancel button 9c are arranged so as to be selectable. When the selection operation of the charge button 9b is performed in the user's communication terminal device in a state where the amount of the prepaid money desired by the user is specified in the charge amount specification column 9a, the charge is performed with the specified amount of the prepaid money. A confirmation screen (not shown) is displayed, and when a button for executing a charge included in the confirmation screen is selected, charge information (such as a communication user ID of the user) indicating that the designated amount of prepayment is charged The charge screen 9 is created so that the information (including information) is transmitted to the advance payment management server 5. When the cancel button 9c on the charge screen 9 is selected, the prepaid charge processing is canceled and the display is switched to the home screen of a prepaid charge application (not shown).

  Upon receiving the charge information, the prepaid money management server 5 updates the information stored in the prepaid amount and usage history items associated with the communication user ID included in the received charge information in the prepaid DB 6 shown in FIG. Then, processing is performed to reflect the charge amount included in the charge instruction information to the prepaid amount. Thereby, the user can appropriately charge the advance payment as needed. The additionally charged prepayment will be collected (billed) together with the next collection of communication costs.

  Returning to the description of the prepaid DB 6 in FIG. 3, the communication PW (password) associated with the communication user ID in the prepaid DB 6 is set by a user (registered user) who is provided with various services from the communication carrier business entity. This is information indicating a password. This communication PW is used together with the communication user ID at the time of processing requiring user authentication. The card ID associated with the communication user ID in the prepaid DB 6 is information for identifying a prepaid card distributed to a user corresponding to the communication user ID. Further, the prepaid amount associated with the communication user ID in the prepaid DB 6 is information indicating the latest balance of the prepaid card used by the user corresponding to the communication user ID (corresponding to the prepaid amount information). The prepaid amount is updated by increasing or decreasing as needed by using the prepaid card or charging the prepaid card (payment of the prepaid money every month).

  In the usage history item in the prepaid DB 6, information indicating the history of the use of the prepaid card by the user of the communication carrier corresponding to the communication user ID is sequentially stored in time series. The information to be stored includes the date of use of the prepaid card and the amount of use (a negative amount means the purchase of a product / service using the prepaid card, and a positive amount means a charge to the prepaid card. ), The object of use, etc. are included. The information stored in the item of use history corresponds to information (information of completion of purchase, etc.) sent from the server relating to the institution or business entity where the prepaid card is used to the prepayment management server 5. When the MPU 5a of the prepayment management server 5 receives such information of purchase completion or information of completion of payment of the prepayment, the MPU 5a stores the information in the use history item of the prepaid DB 6.

  Next, a description will be given of programming contents defined by the management program P2 stored in the mass storage system 5g. The management program P2 is installed in the large-capacity storage system 5g via a storage medium such as an optical disk, and the processing contents defined by the management program P2 mainly include the construction / update of the prepaid DB 6 shown in FIG. And the settlement-related processing associated with the use of a prepaid card, and the contents of control performed by the MPU 5a for these processings are defined.

  First, as processing related to the construction / update of the prepaid DB 6, a user who newly applied for the use of a prepaid card occurs, and information of this user (communication user ID, communication PW, card ID, etc.) is transmitted to the communication carrier system 4. When notified to the prepayment management server 5, the MPU 5a performs a process of newly storing the notified user information in the prepaid DB 6. In addition, when the payment process accompanying the use of the prepaid card by the user is completed, the MPU 5a performs a process of storing the settlement date and time in the payment history item of the prepaid DB 6 together with the completion date and time of the payment process.

  Further, the information (charge information indicating the communication user ID, the amount of use or charge, etc.) accompanying the charge of the prepaid card is transmitted from the communication carrier system 4 (server for collecting communication costs, etc.) or the communication terminal device of the user. When the prepayment management server 5 receives the information, the MPU 5a stores the received information together with the date and time of reception of the information in the usage history item of the prepaid DB 6 in association with the communication user ID included in the received date and time. Control processing will be performed. When the use history item of the prepaid DB 6 is updated as described above, the MPU 5a also updates the prepaid amount stored in the prepaid amount item of the prepaid DB 6 according to the change of the use history. The process of updating to the amount of is performed.

  Further, when the prepaid money management server 5 receives the prepaid card inquiry information (information including the communication user ID) from an external server affiliated with the use of the prepaid card, the MPU 5a sends the inquiry information to the inquiry information. A prepaid amount associated with the included communication user ID is specified from the prepaid DB 6, and the prepaid amount information (information including the communication user ID and the prepaid amount) for notifying the specified prepaid amount is an external server of the inquiry source. A control process for transmitting the data to is performed. Further, upon receiving information of purchase completion (communication user ID, prepayment use information indicating the amount of use of the prepayment, etc.) from the external server, the MPU 5a performs a process for settling the amount included in the information. With the completion of the settlement, the MPU 5a updates the use history item of the prepaid DB 6 described above.

  Furthermore, within a certain period of time (for example, within 30 minutes, or within 1 to 2 hours, etc.) after receiving the prepaid card inquiry information of the prepaid card, the same communication user ID as the communication user ID included in the inquiry information When the MPU 5a receives the charge information including the information (information accompanying the charge of the prepaid card, including the communication user ID and the charge amount) from the communication terminal device of the user, the MPU 5a transmits the same to the prepaid DB 6 as described above. At the same time, the charge amount is updated in association with the communication user ID, and the prepayment information indicating the updated charge amount (available prepayment amount) is transmitted to an external server (inquiry of the prepayment amount before a certain time). (Corresponding to the server that transmitted the information). By performing such processing by the MPU 5a, when the user makes a purchase with a prepaid card, it is possible to avoid a case where the prepaid card is short of money by charging the prepaid card.

  FIG. 5 shows a purchase target server 80 included in the shopping system 2. The purchase target server 80 constitutes a core part of the shopping system 2 and performs processing necessary for providing an online shopping service (purchase target purchase opportunity) to the user. Although only one purchase target server 80 is shown in FIG. 5, for example, various processes performed by the purchase target server 80 are performed in a distributed manner to combine the plurality of server computers and database systems, etc. 80 may be configured, and such a configuration using a plurality of devices also corresponds to the purchase target server 80 in the present invention. Hereinafter, the purchase target server 80 will be described.

  A general server computer is applied as the purchase target server 80 in the present embodiment, and various devices and the like are connected to an MPU 80a (control unit 80a) that performs overall control and various processes by an internal connection line 80h. The various devices and the like include a communication module 80b, a RAM 80c, a ROM 80d, an input interface 80e, an output interface 80f, a mass storage system (HDD system) 80g, and the like.

  The communication module 80b is a communication device (communication means) corresponding to a connection module with a network, and conforms to a required communication standard (for example, a LAN module). The communication module 80b is connected to a network (an internal network of the shopping system 2 or an external network NW) via required communication equipment (not shown; for example, a router or the like), and user terminals T1, T2, and T3. And communication with various external servers (such as various servers such as the prepayment management server 5 of the communication carrier system 4).

  The RAM 80c temporarily stores contents, files, and the like associated with the processing of the MPU 80a, and the ROM 80d stores programs and the like that define the basic processing contents of the MPU 80a. The input interface 80e is connected to a keyboard 80i, a mouse, and the like for receiving operation instructions and the like from the system administrator of the shopping system 2, and transmits the operation instructions and the like received from the system administrator to the MPU 80a. The output interface 80f is connected to a display 80j (display output device), and outputs contents accompanying the processing of the MPU 80a to the display 80j so that a system administrator or the like can check the current processing contents and the like. .

  The large-capacity storage system 80g (corresponding to a storage medium unit) stores a program, a database (DB), and the like. In the present embodiment, the large-capacity storage system 80g stores a system program P10, a sales program P11, a user DB 81, a product DB 82, and the like. ing. The system program P10 defines various processes according to the server operation system. The MPU 80a executes the processes based on the specified contents, so that the purchase target server 80 has basic functions as a server computer. Fulfill. The description of the sales program P11 will be described later, and the user DB 81 will be described first.

  FIG. 6 shows an outline of the contents of the user DB 81. The user DB 81 is a database that stores various information of users registered in the shopping service provided by the shopping system 2. A user ID for identifying the user is assigned from the shopping system 2 to the registered user in accordance with the user registration. The user DB 81 stores various information in association with the assigned user ID. Specifically, the user DB 81 stores, for each user ID, the user's name, address, telephone number, mail address, UID (user terminal identification information), occupation, PW (password), and the like. In the present embodiment, the registered mail address is used as a login ID at the time of login, and the PW uses alphanumeric information set by the user himself at the time of user registration.

  The business company (business entity) that operates the shopping service provided by the shopping system 2 is affiliated with the prepaid card service provided by the communication carrier business entity that operates the communication carrier system 4. Using the prepaid card to be issued, various products (purchase targets) sold by the shopping service can be purchased.

  Therefore, at the time of user registration to the shopping service or after the user registration, information necessary for the use of the prepaid card of the user who has applied for the use of the prepaid card of the communication carrier is also stored in the user DB 81. . In the user DB 81, the items of information necessary for using the prepaid card include a card use item indicating that the use of the prepaid card has been set at the user terminal, a communication user ID issued by the user from the communication carrier business entity, And an item for storing a card ID of a prepaid card used by the user, and information corresponding to these items is stored in association with the user ID.

  For a user who applies for the use of a prepaid card to a business entity that provides a shopping service at the time of user registration, information indicating the communication user ID, card ID, and the contents of the card setting related to the above prepaid card together with the information on the user ( The information provided by the user is stored in the user DB 81 in association with the user ID by providing the shopping system 2 with information on the prepaid card) from the user. As described above, when the use application of the prepaid card is performed at the time of the user registration, the card use information for notifying the communication user ID and the card ID and the like is transmitted from the user terminal to the purchase target server 80. A process of storing the communication user ID and the like included in the card usage information in the user DB 81 in association with the user ID is performed.

  Note that the registered user of the shopping service requests the communication carrier to provide information relating to his / her prepaid card to the business operating the shopping service, and the communication carrier operates the shopping service operating business. It is also possible to provide the body with information on the prepaid card of the requesting user and store it in the user DB 81. Further, in the present embodiment, simply applying for the use of the prepaid card to the communication carrier business entity cannot use the prepaid card for the shopping service, and the prepaid use setting screen 17 shown in FIG. By setting the use of the prepaid card, the prepaid card can be used for the shopping service.

  The user information stored in the user DB 81 is also appropriately updated. When a new user registers in the shopping service, information on the new user is added to the user DB 81, and when the user registration is released, information on the user is released. Is deleted from the user DB 81.

  The product DB 82 stored in the large-capacity storage system 80g is a database that stores information on a large number of products sold in the shopping service. And various information such as product image, unit price, stock quantity, etc.

  Next, the processing contents defined by the sales program P11 stored in the mass storage system 80g of the purchase target server 80 will be described. The sales program P11 according to the present embodiment is installed in the large-capacity storage system 80g via a storage medium such as an optical disk, and is used by the MPU 80a for user login, product purchase (shopping), use of a prepaid card, and the like. The control processing and the like are specified.

  First, regarding the login of the user, when the communication module 80b receives the login information of the user including the user's mail address and password transmitted from the user terminal (the UID of the user terminal may be included), the received information is received. The sales program P11 specifies that the MPU 80a performs a process (login process) of determining whether or not matching information is stored in the user DB 81 of FIG. 6 with respect to the login information (user login information).

  If it is determined that the received login information (user login information) is not stored in the user DB 81, the login module transmits, using the communication module 80b, login disable information indicating that the login information does not match, to the user terminal that has transmitted the login information. The sales program P11 specifies that the MPU 80a performs the control. On the other hand, when it is determined that the received login information is stored in the user DB 81, the login is completed for the user ID corresponding to the login information, and the user ID is set to the login state, and the login state is established. The login status information indicating that the login has been completed is stored in the RAM 80c or the like, and the MPU 80a transmits the login completion information indicating that login has been completed to the user terminal of the user who has completed the login. Note that the login state information is stored in the RAM 80c together with the user ID until logoff information is received from the user terminal.

  For the user in the logged-in state, the MPU 80a determines whether or not information of “use” is stored in the item of “use of card” in the user DB 81 shown in FIG. When the information of "use" is stored, inquiry information (information including the communication user ID and the card ID) for inquiring the prepaid card for the prepaid card of the logged-in user (user who has completed the login) is transmitted to the communication carrier system. The MPU 80a performs a process of transmitting the prepaid money management server 4 to the prepayment management server 5 described above. It is assumed that address information for sending information to the prepayment management server 5 is notified to the shopping system 2 in advance, and is stored in the large-capacity storage system 80g of the purchase target server 80. Various information is transmitted to the prepayment management server 5 based on the address information thus received.

  Then, when the prepayment information notifying the prepayment of the user to be queried is received from the prepayment management server 5 with the transmission of the inquiry information, the received prepayment information is stored in the RAM 80c in the login state information of the user. The MPU 80a performs a process of storing in association with the above.

  If the information of “use” is not stored in the item of “use of card” in the user DB 81, the MPU 80a does not perform the above-described inquiry information transmission processing. When the purchase target server 80 receives the prepaid usage information indicating that the prepaid card is to be used from the user terminal, the purchase target server 80 associates the user ID included in the prepaid usage information with the item “card usage” in the user DB 81, The MPU 80a performs a process of storing the information “use”. Then, if information is already stored in each item of the “communication user ID” and the “card ID” of the user DB 81 in association with the user ID storing the information “use”, the card use is notified. The MPU 80a performs a process of transmitting the card use information to the user terminal that has transmitted the prepaid use information.

  On the other hand, when information is not yet stored in each item of the “communication user ID” and the “card ID” associated with the user ID storing the information “use”, the MPU 80a requests information regarding card settings. The MPU 80a transmits the card setting request information to the effect to the user terminal that has transmitted the prepaid use information. In addition, when the purchase target server 80 receives the card setting information sent from the user terminal in response to the transmission of the card setting request information, the purchase target server 80 associates the card setting information with the user ID included in the card setting information and stores “ The MPU 80a performs a process of storing the communication user ID and the card ID information included in the card setting information in each item of the "communication user ID" and the "card ID", and transmits the card usable information to the user terminal. The MPU 80a performs control processing.

  When the purchase target server 80 receives the prepaid non-use information indicating that the prepaid card is not used from the user terminal, the purchase target server 80 associates the prepaid non-use information with the user ID included in the prepaid non-use information and sets the “use card” item in the user DB 81 in the “card use” item. , And “unused” information, the MPU 80a performs a control process of transmitting the prepaid refusal information to the user terminal. As described above, the setting of use or non-use of the prepaid card can be changed at any time based on the information sent from the user terminal. With such a change, the items (card use, communication user The information stored in (ID, card ID) is also updated as appropriate.

  When the purchase target server 80 receives a product information request (a request including information such as a product ID) to be described later from the user terminal of the logged-in user, the product information (product image) associated with the received product ID , The specification of the product, the unit price, etc.) are read from the product DB 82 and transmitted to the user terminal that is the source of the product information request by the MPU 80a.

  Also, when the purchase target server 80 receives, from the user terminal of the logged-in user, purchase order information specifying the product ID to be purchased, the purchase amount, and the purchase amount (the purchase amount multiplied by the unit price). The MPU 80a temporarily stores the received purchase order information in the RAM 80c, and determines whether the user of the user terminal that has transmitted the purchase order information has set use of the prepaid card. This determination is made based on whether or not the information of “use” is stored in the item of “use of card” in the user DB 81.

  If the user of the user terminal that has transmitted the purchase order information determines that the use of the prepaid card has not been set, the MPU 80a specifies the purchase amount pertaining to the purchase order information, and uses a credit card or a bank transfer to transfer the purchase price. Information for requesting payment and settlement is transmitted to the user terminal.

  If the user of the user terminal that has transmitted the purchase order information determines that the use of the prepaid card is set, the MPU 80a stores the purchase amount included in the received purchase order information in the RAM 80c in the user ID of the login user. The MPU 80a determines whether or not the purchase amount exceeds the amount of the advance payment indicated by the advance amount information stored in association with the advance amount. If the purchase amount exceeds the amount of the prepayment, the purchase funds are insufficient, so the shortage amount is calculated, and the MPU 80a determines that the purchase according to the content of the received purchase order information is impossible.

  If it is determined that purchase is not possible, the MPU 80a generates purchase disable screen information for displaying a purchase disable screen indicating that purchase is not possible on the user terminal, and transmits the purchase order information to the user terminal. The process of transmitting to is performed. The generated non-purchase screen information includes text information indicating that purchase is not possible, and includes, in addition to the shortage for the purchase of the product selected by the user, the information indicating the cancellation of the shortage for the purchase. It depends on the screen. Specifically, information (text information) corresponding to a notation indicating charge to a prepaid card (addition of a prepaid amount) corresponds to the information for eliminating the shortage.

  In order to smoothly solve the shortage of the prepayment, the MPU 80a generates the purchase non-permission screen information relating to the purchase non-permission screen that can accept the instruction operation for switching to the display of the pre-payment charge acceptance screen for charging the prepaid card. I am trying to do it. Specifically, the MPU 80a generates purchase-impossible screen information including a link instruction for starting the application related to the charge screen 9 shown in FIG.

  Further, when it is determined that purchase is not possible, and when there are a plurality of product identification information (product IDs) included in the purchase order information (when there are a plurality of product items), the MPU 80a uses the prepaid card In addition to the charge to the product, include notation indicating the reduction of the item of the product to be purchased, and generate the purchase disable screen information related to the purchase disable screen that allows the reception of the operation of reducing the item of the product, and purchase Processing for transmitting the order information to the user terminal that has transmitted the order information is performed. The non-purchase screen information generated in this case includes information (text information) in accordance with the above-described notation and information (item reduction instruction information) that enables an operation of reducing the number of items of a product to be accepted. I have.

  Furthermore, when it is determined that the purchase is not possible and the purchase amount can be reduced because the purchase amount of the product included in the purchase order information is plural, the MPU 80a uses the prepaid card as information for eliminating the shortage. Inhibit screen related to the purchase disable screen, which includes notation indicating the reduction in the purchase amount of the product to be purchased in addition to the charge to the purchase target, and enables the reception of the operation for specifying the purchase amount (the operation for specifying the reduction). A process of generating information and transmitting it to the user terminal that has transmitted the purchase order information is performed. The non-purchase screen information generated in this case includes information (text information) according to the above-described notation and information (purchase amount reduction instruction information) that enables an operation for reducing the purchase amount of the product to be accepted. It has become.

  On the other hand, if the MPU 80a determines that the purchase price is not more than the amount of the advance payment and is equal to or less than the amount of the advance payment, the MPU 80a determines that the purchase is possible with the advance payment, and uses the advance payment notified by the advance payment information. A process for generating purchase screen information relating to a purchase screen capable of accepting an operation for instructing purchase of a purchase target and transmitting the generated information to the user terminal is performed. Note that the purchase screen information is a content for confirming the purchase of the product specified by the user using the prepayment (when the user specifies a plurality of purchase quantities or a plurality of types of product items, these are also confirmed. Text content).

  In addition, even if it is determined that the purchase is not possible and the purchase-impossible screen information is transmitted to the user terminal, the transmission of the purchase-impossible screen information is performed within a certain period of time (for example, within 30 minutes, or within 1 to 2 hours). ), When the prepayment information (information including the communication user ID and the available prepayment amount) of the logged-in user who transmitted the purchase refusal screen information is newly received from the prepayment management server 5, the MPU 80a stores the RAM 80c in the RAM 80c. Compares the purchase amount included in the purchase order information stored in with the newly available prepayment amount included in the newly received prepayment information to determine whether the purchase amount exceeds the prepayment amount. to decide. If the MPU 80a determines that the purchase amount is equal to or less than the advance amount, the MPU 80a determines that the purchase is possible with the advance amount, and performs a process of generating purchase screen information and transmitting it to the user terminal.

  When the purchase target server 80 receives the purchase instruction sent from the user terminal along with the transmission of the purchase screen information having the above-described contents, the MPU 80a executes a purchase process according to the received purchase instruction. When the purchase process is completed, the MPU 80a performs a process of transmitting purchase completion information for notifying that the purchase of the product specified by the user has been completed to the user terminal that has transmitted the purchase instruction. In the case where the prepayment is used in the completed purchase processing, the MPU 80a specifies the amount of the prepayment used, and informs the specified amount of the prepayment used information (information including the communication user ID). Is transmitted to the advance payment management server 5.

  FIG. 7 shows a main internal configuration of a smartphone 10 (communication terminal device) which is an example of a user terminal (T1, T2, T3, etc.) using a communication carrier provided by the communication carrier system 4. The smartphone 10 corresponds to a type of computer (computer having a communication unit and a storage unit) that performs various processes according to a program. The smartphone 10 sends a communication / call module 10b (corresponding to communication means), a RAM 10c, a ROM 10d, an input / output interface 10e, and an operation to a CPU 10a (processor 10a) that performs overall control and various processes via an internal connection line 10i. Various devices such as a unit 10h and a storage unit (corresponding to a storage unit) 10g are connected. Note that, even if the user terminal is a communication terminal device other than a smartphone (a computer having a communication function, a tablet, or the like), the basic configuration is the same as that shown in FIG. Of all types of communication terminal devices.

  The communication / call module 10b of the smartphone 10 has a function of calling a predetermined telephone number (calling function) and a function of receiving a call (calling function) under the control of the CPU 10a, in addition to the wireless communication processing via the network. Having. The RAM 10c temporarily stores contents, files, data, information, and the like accompanying the processing of the CPU 10a. The ROM 10d stores programs and the like that define the basic processing contents of the CPU 10a, and also stores identification information (UID) for identifying the smartphone 10. Note that this UID is included in the transmission content when communicating (transmitting) by the above-described communication / communication module 10b (for example, transmission is performed including the UID in a header of a transmission packet).

  The input / output interface 10i is connected to a display 10f having a touch panel function, and performs processing of outputting various screens (see screens shown in FIGS. 8 to 14 and the like) generated by the control processing of the CPU 10a to the display 10f. Thus, the output screen content is displayed on the display 10f. In addition, the input / output interface 10e also performs a process of transmitting, to the CPU 10a, an operation content received by a user touching the surface of the display 10f. The operation content received by the user touching the surface of the display 10f changes as appropriate according to the displayed screen content.

  The operation unit 10h is a hard button provided on the housing of the smartphone 10, and when the operation unit 10h is operated, the fact that the operation is performed is transmitted to the CPU 10g. The meaning of the operation of the operation unit 10h varies depending on the processing status of the smartphone 10. For example, if the operation unit 10h is operated while the application is running, the operation of terminating the application is performed. In this case, the operation of the operation unit 10h receives an instruction to end the application from the user. In the case of the present invention, as described later, since the shopping application P21 for shopping service (installed in the storage unit 10g) is used, the operation unit 10h is operated while the shopping application P21 is running. Then, the smartphone 10 receives the end instruction of the shopping application P21, and the logoff instruction of the shopping application P2 is transmitted to the shopping system 2.

  The storage unit 10g stores (installs) programs such as the OS program P20, the shopping application P21, and various other applications (for example, an application for a prepaid charge corresponding to the charge screen 9 in FIG. 4). The OS program P20 is a basic program corresponding to an operating system, and defines processing of the CPU 10a for the smartphone 10 to function as a kind of computer. One of the basic processes defined by the OS program P20 is to first display a home screen on the display 10f when the smartphone 10 is ready to use. Arranging icons and the like corresponding to various applications installed in the unit 10g also depends on the processing specified by the OS program P20.

  The shopping application P21 stored in the storage unit 10g is an application program (computer program) for an online shopping service provided by the shopping system 2, and includes a sales product screen, a product order, and a purchase opportunity for various products to be purchased. It specifies that the CPU 10a performs various controls in accordance with processing for displaying a screen, a purchase screen, and the like on the user terminal and transmitting an instruction or the like accompanying a user operation on the displayed screen to the shopping system 2. With such specified contents, the CPU 10a functions as a means for generating various screens. In addition, the shopping application P21 includes, in addition to the program code that defines the processing, screen data corresponding to each part (such as a button) arranged in various screens, text information corresponding to various notations, and the like.

  The shopping application P21 acquired by the smartphone 10 through download or a storage medium is installed in the storage unit 10g and, when the installation is completed, a shopping icon for activating the shopping application P21 in a home screen based on the OS program P20. Are selectably arranged. Then, when the smartphone 10 receives the user operation of selecting the shopping icon, if the user is already logged in at that time, sales for providing the user with a purchase opportunity in which various products to be purchased can be specified from among a plurality of products. A product screen or the like is displayed on the display 10f, and if the user is not logged in, the CPU 10a performs a process of generating a login screen and displaying the screen on the display 10f.

  FIG. 8 shows an example of the login screen 15 displayed on the display 10f, and is generated by the processing of the CPU 10a based on screen data for the login screen. The login screen 15 has a mail address input field 15a, a password input field 15b, and a selectable login button 15c. The data of the parts corresponding to each part arranged in this way also includes the screen data for the login screen. While the login screen 15 is displayed, the soft keyboard 14 is displayed on the display 10f by a function corresponding to the processing specified by the OS program P20 described above, and each key included in the soft keyboard 14 is appropriately operated by the user. Thus, predetermined contents are input into the input fields 15a and 15b. The password to be input is determined for each user at the time of user registration for the shopping service.

  Then, when the smartphone 10 receives a selection operation of the login button 15c in a state where predetermined contents are input to the input fields 15a and 15b, the input contents are transmitted to the shopping system 2 as user login information. The data (the data described in a script language, etc.) that defines the content of such creation is also included in the screen data for the login screen. The same applies to other screen data. If the smartphone 10 receives the login disable information from the shopping system 2 (purchase target server 80) in response to the transmission of the login information via the login screen 15 as described above, the password is set in order to secure another input opportunity. The CPU 10a performs a process of displaying, on the display 10f, a login screen (structurally equivalent to FIG. 8) indicating that the IDs did not match.

  FIG. 9 shows an example of the sale product screen 16 displayed on the display 10f, which is displayed based on the fact that the login has been completed and the smartphone 10 has received the login completion information sent from the purchase target server 80. . The sale product screen 16 arranges product images 16a to 16f indicating various products to be purchased in a thumbnail-like manner. The products presented in this manner may belong to various categories, as shown in FIG. 9, or may be various products in one product category. Note that FIG. 9 shows a state in which a total of six product images 16a to 16f are shown. However, by performing a scroll operation or the like on the sales product screen 16, the sales product screen 16 can browse six or more product images. It is possible. On the sales product screen 16, a setting button 16 g is arranged at the upper right of the screen so as to be selectable. When the selection of the setting button 16 g is accepted, menu items for various settings relating to the shopping function can be selected for each item. It is displayed (not shown). The menu items corresponding to the setting button 16g include items related to the use setting of the prepaid card.

  FIG. 10A shows an example of a prepaid use setting screen 17, which is controlled by the CPU 10 a when a selection operation of a prepaid card use setting item among the menu items corresponding to the setting button 16 g is received. The screen is displayed on the display 10f. The prepaid use setting screen 17 includes a selectable prepaid use selection field 17a and a prepaid nonuse selection field 17b. Only one of the selection fields 17a and 17b can be selected. The prepaid use setting screen 17 has an OK button 17c and a return button 17d so as to be selectable. When a selection operation of the return button 17d is received, the display 10f is switched to the sales product screen 16 in FIG. Is performed by the CPU 10a.

  When the smartphone 10 receives a selection operation of the OK button 17c in a state where the prepaid use selection field 17a is selected on the prepaid use selection screen 17, the CPU 10a performs a process of transmitting the prepaid use information to the purchase target server 80. Will be. When the smartphone 10 receives the prepaid available information sent from the purchase target server 80 in response to the transmission of the prepaid use information, the use setting of the prepaid card is completed, and the CPU 10a changes the display on the display 10f to the state shown in FIG. The processing for switching to the sales product screen 16 is performed.

  On the other hand, when the smart phone 10 receives the card setting request information sent from the purchase target server 80 in response to the transmission of the prepaid usage information, the communication user ID input field given by the communication carrier business entity that issued the prepaid card, a prepaid The CPU 10a performs a process of displaying on the display 10f a card information input screen (not shown) having a card ID input field of a card, an OK button, and the like. Then, when an OK button selection operation is performed in a state where necessary information such as each ID is input on the card information input screen, the input information is transmitted to the purchase target server 80 and the use setting of the prepaid card is set. After the completion, the CPU 10a performs a process of switching the display on the display 10f to the sales product screen 16 in FIG.

  When the smartphone 10 receives a selection operation of the OK button 17c with the prepaid non-use selection field 17b selected on the prepaid use setting screen 17 of FIG. 10A, the prepaid non-use information is transmitted to the purchase target server 80. The CPU 10a performs a process of transmitting to the server. Then, when the smartphone 10 receives the prepaid refusal information from the purchase target server 80 in response to the transmission of the prepaid non-use information, the prepaid card is set to the unusable state, and the CPU 10a then displays the display 10f on the display 10f. Is switched to the sales product screen 16 of FIG. As described above, in the present embodiment, the user terminal side can appropriately switch the setting of the use or non-use of the prepaid card, thereby enhancing the convenience of the user.

  FIG. 10B shows a product order screen 18 displayed on the display 10f in response to the selection operation of the product image 16a at the upper left in the sales product screen 16 of FIG. The sales product screen 16 in FIG. 9 is configured such that, when a selection operation of the product images 16a to 16f is received, a product information request is transmitted to the purchase target server 80 for the products related to the product images 16a to 16f that have been selected. It is built in. When the smartphone 10 receives the product information sent from the purchase target server 80 in response to the transmission of the product information request, the smartphone 10 temporarily stores the received product information in the RAM 10c, and based on the product information in FIG. The CPU 10a performs a process of generating and displaying the product order screen 19 shown in b).

  The product order screen 18 includes a detailed product image 18a of a size larger than the product image 16a shown in FIG. 9 and product detailed information 18b (text information describing a product name, a model number, a price, a description about the product, and the like) and a product information. It is possible to select a purchase amount designation field 18c in which a purchase amount (number of purchases) can be designated, a cart button 18d in which the word "add to cart" is written, a purchase order button 18e in which the word "go to purchase" is written, and a return button 18f. Have been placed. The purchase amount designation column 18c accepts an operation of designating a purchase amount (the number of purchases) desired by the user.

  By presenting the product order screen 18 having the above-described configuration to the user, the user can check the details of the product. As a result of the check, if the user decides not to purchase the product, the user presses the return button 18f. A selection operation will be performed. When the smartphone 10 receives the selection operation of the return button 18, the CPU 10a performs a process of switching the display on the display 10f to the sales product screen 16 in FIG.

  When the user confirms the contents of the product order screen 18 as a result of checking the contents of the product order screen 18, the user performs a selection operation of the cart button 18d when the user wants to reserve the product shown in the product order screen 18 for purchase. Will be. When it is desired to secure a plurality of purchase quantities of the product, the user operates the purchase quantity specification field 18c to specify a desired purchase quantity (the number of purchases), and then performs a selection operation of the cart button 18d. Will do. Then, when the smartphone 10 receives the selection operation of the cart button 18d, the CPU 10a stores the product ID, the price, the specified purchase amount, and the like corresponding to the product shown on the product order screen 18 as the product securing information in the RAM 10c. While performing the process of temporarily storing, the process of switching the display of the display 10f to the sales product screen 16 of FIG. 9 is performed. By performing such processing by the CPU 10a, the user can have a chance to continue purchasing (shopping) another product after securing the desired product.

  Further, as a result of the user confirming the content of the product order screen 18 and determining that the user purchases the product shown in the product order screen 18, the user performs a selection operation of the purchase order button 18e. When the smartphone 10 receives the selection operation of the purchase order button 18, the CPU 10 a once stores a product ID, a price (amount required for purchase), a designated purchase amount, and the like according to the product shown on the product order screen 18. Then, after organizing the merchandise reservation information and storing the same in the RAM 10c, a process of generating purchase order information corresponding to the contents of the merchandise reservation information and transmitting the generated purchase order information to the purchase target server 80 is performed.

  FIG. 11A shows an example of the purchase screen 19 displayed on the display 10f, and the smartphone 10 receives the purchase screen information transmitted from the purchase target server 80 with the transmission of the purchase order information described above. This screen is displayed when the purchase target server 80 determines that the product can be purchased with a prepaid amount by a prepaid card. The purchase screen 19 shows, at the top of the screen, information 19a (product name, unit price, purchase amount, etc.) of the product to be purchased, and below that, purchase enable information indicating that the product can be purchased with a prepaid card. 19b, a purchase button 19c, a purchase cancel button 19d, and a shopping continuation button 19e (corresponding to a button to put in a cart) describing the word of continuing shopping are arranged to be selectable below the purchase availability information 19b. .

  When the smartphone 10 receives a selection operation of the purchase button 19c, a purchase instruction operation of a user-specified product (purchase target) is performed using the prepaid amount of the prepaid card in accordance with the contents of the purchase available information 19 included in the purchase screen 19. Is received, and the CPU 10a performs a process of transmitting a purchase instruction to purchase the product using the advance payment to the purchase target server 80.

  FIG. 14 illustrates an example of the purchase completion screen 23 displayed on the display 10f, in a case where the smartphone 10 receives purchase completion information from the purchase target server 80 in response to transmitting a purchase instruction to the purchase target server 80. The screen is displayed. The purchase completion screen 23 includes a text portion 23a indicating that the purchase has been completed, and a return button 23b describing the wording returning to the sales product screen 16, and the content of the text portion 23a allows the user to safely purchase. Has been completed. When the selection operation of the return button 23b is performed, the product securing information temporarily stored in the RAM 10c is deleted, and the CPU 10a performs a process of switching the display of the display 10f to the sales product screen 16 in FIG. Like that.

  When the smartphone 10 receives a selection operation of the purchase cancel button 19d on the purchase screen 19 shown in FIG. 11A, the purchase instruction has been canceled, and the product reservation temporarily stored in the RAM 10c has been cancelled. The CPU 10a performs a process of deleting information and the like and switching the display of the display 10f to the sales product screen 16 of FIG. By performing such processing by the CPU 10a, it is possible to cancel the product once purchased by the user even at the stage of purchase confirmation, and the user can continue to smoothly select the product on the sales product screen 16 in FIG. I can do it.

  Furthermore, when the smartphone 10 receives a selection operation of the shopping continuation button 19e on the purchase screen 19 shown in FIG. 11A, the CPU 10 deletes the product securing information and the like temporarily stored in the RAM 10c. Instead, the CPU 10a performs a process of switching the display of the display 10f to the sales product screen 16 of FIG. By doing so, it is possible for the user to continue to select other products while securing the products desired by the user for purchase (a plurality of product items can be purchased).

  On the other hand, FIG. 11B shows an example of the purchase non-permission screen 20 displayed on the display 10f. The purchase non-permission screen information transmitted from the purchase target server 80 along with the transmission of the purchase order information described above is displayed on the smartphone. Reference numeral 10 denotes a screen displayed when it is received, and is displayed when the purchase target server 80 determines that it is impossible to purchase a product with a prepaid card using a prepaid card. The purchase prohibition screen 20 shows information 20a (product name, unit price, purchase amount, etc.) of the product to be purchased at the upper part of the screen, and indicates below that the product cannot be purchased with the prepaid card prepaid card. The non-purchase information 20b shown in FIG.

  As the specific information included in the purchase disable information 20b, in addition to the fact that the product cannot be purchased with the advance payment, the shortage included in the purchase disable screen information (3000 in the example of FIG. 11B) Yen) and how to deal with the purchase elimination. In the example shown in FIG. 11B, charging to the prepaid card (payment of a prepaid amount) is shown as a corresponding method. Since the purchase refusal information 20b describes the above-mentioned contents, the user can confirm the situation where the purchase with the prepaid card is not possible, and can easily understand how to deal with the purchase refusal.

  The purchase non-permission screen 20 has a purchase cancel button 20d and a charge button 20e selectable below the purchase non-permission information 20b. The purchase cancel button 20d is selected and operated when the user gives up the purchase using the prepaid card. Like the purchase cancel button 19d included in the purchase screen 19 of FIG. When the selection operation of the cancel button 20d is received, the purchase instruction has been canceled, and the product securing information and the like temporarily stored in the RAM 10c are deleted, and the display 10f is displayed on the sales product screen 16 in FIG. Is switched by the CPU 10a.

  The charge button 20e is selected and operated when the user decides to charge the prepaid card (payment of a prepayment) in accordance with the corresponding method indicated in the purchase refusal information 20b. The charge button 20e is linked to the activation of the prepaid charge application corresponding to the charge screen 9 in FIG. 4. When the selection operation of the charge button 20a is received, the prepaid charge application is activated, and the charge button 20e is activated. The CPU 10a performs a process of switching the display on the display 10f to the charge screen 9 (a payment acceptance screen for a prepaid money).

  On the charge screen 9 in FIG. 4, in order to eliminate the purchase impossibility, the user sets the charge amount designation field 9a in the charge amount designation field 9a so as to indicate an amount equal to or more than the shortage shown in the purchase impossibility information 20b on the purchase impossibility screen 20 in FIG. Then, a selection operation of the charge button 9b is performed. By such a selection operation of the charge button 9b, the CPU 10a performs control for transmitting the charge information to the prepayment management server 5. When the purchase screen information is received from the purchase target server 80 in response to the transmission of the charge information, control for switching the display of the display 10f to the purchase screen 19 shown in FIG. 11A is performed. As in the case described above, by performing the selection operation of the purchase button 19c, the product specified by the user can be purchased. As described above, in the present embodiment, if the prepaid amount of the prepaid card is insufficient, a charge can be appropriately made in a series of purchase operation processing. , And the purchase with the prepaid card can be completed.

  FIG. 12 shows an example of the purchase non-permission screen 21 displayed on the display 10f. The point that the purchase amount of the purchase target product is plural (in FIG. 12, the purchase amount is “3”), This is different from the case of the purchase disable screen 20 shown in FIG. That is, the purchase non-permission screen 21 in FIG. 12 shows information 20a (product name, unit price, etc.) of the product to be purchased at the top of the screen, includes a purchase amount specification column 21b below the purchase amount specification column 21b, and further specifies the purchase amount. Below the column 21b, purchase refusal information 21c indicating that the product cannot be purchased with the prepaid card prepaid money is arranged, and below it, a recalculation button 21d, a charge button 21f, and a purchase cancel button 21g are arranged. Have been placed.

  Since the purchase amount of the product is “3” and the purchase amount can be reduced, the purchase disable screen 21 in FIG. 12 shows the purchase disable screen information corresponding to the display of the purchase disable screen 20 in FIG. Contains the information indicating the reduction of the purchase amount of the product to be purchased as a method of eliminating the purchase prohibition, and also includes the purchase amount reduction instruction information. When the smartphone 10 receives the screen information, based on the purchase amount reduction instruction information included in the purchase disable screen information, as shown in FIG. 12, a purchase amount designation column 21b is arranged below the product information 20a and The CPU 10a performs a process of generating a purchase-disabled screen 21 in which a recalculation button 21d is arranged below the purchase additional information 20b. In addition, the purchase refusal information 21c included in the purchase refusal screen 21 corresponds to the purchase refusal information 20b included in the purchase refusal screen 20 in FIG. It has been added.

  The recalculation button 21d of the purchase prohibition screen 21 is in a state where the selection operation is not possible (not active) when the numerical value specified in the purchase amount specification column 21b is not reduced from the state initially displayed on the display 10f. (A state shown by a broken line in FIG. 12), and a selection operation is made possible in a state in which an operation of reducing the quantity of the designated purchase quantity column 21b from the initial value is received. ing. The user performs an operation of designating the quantity in the designated purchase quantity column 21b so as to be within the amount of the prepayment of the prepaid card in consideration of the shortage shown in the purchase prohibition information 21b (see FIG. 12). In this case, since the shortage amount is 900 yen and the unit price of the product is 1000 yen, the user specifies to reduce the purchase amount from “3” to “2” or less).

  When a selection operation of the recalculation button 21d is received in a state where the operation of reducing the quantity of the designated purchase quantity column 21b from the initial value is performed, the CPU 10a orders the product with the reduced purchase quantity. A process of transmitting the purchase order information (information including the product ID, the numerical value of the reduced purchase amount, and the purchase price) to the purchase target server 80 again is performed. Since the purchase screen information is transmitted from the purchase target server 80 in response to the transmission of the purchase order information in which the purchase amount is reduced, the CPU 10a determines the purchase screen (FIG. 11 (a) purchase screen 19), and performs a process of switching the display on the display 10f to the generated purchase screen. Note that the charge button 21f and the purchase cancel button 21g included in the purchase disable screen 21 in FIG. 12 have the same functions as the charge button 20e and the purchase cancel button 20d in the purchase disable screen 20 in FIG. 11B. ing.

  Further, FIG. 13 shows an example of the purchase-disapproval screen 22 displayed on the display 10f, where there are a plurality of (two) items of the product to be purchased (types of the product) and the purchase of each purchased product. The point that the amount is plural is different from the case of the purchase non-permission screen 21 shown in FIG. In other words, the purchase prohibition screen 22 in FIG. 13 shows information 22a (product name, unit price, etc.) of the first product to be purchased at the top of the screen, and specifies the purchase amount for the first product below it. Column 22b, below it shows information 22c of the second product, below it there is a purchase amount designation column 22d for the second product, and further below it a purchase refusal information 22e Below that, a recalculation button 22f, a charge button 22g, and a purchase cancel button 22h are arranged so as to be selectable.

  The purchase disable screen 22 in FIG. 13 is a case where a plurality of (two) kinds of products are ordered by operating the shopping continuation button 19e on the product order screen 18 in FIG. In addition, the screen is displayed when purchase is impossible when the purchase amount of each of the two types of products is plural. For this reason, the purchase-disabled screen information corresponding to the purchase-disabled screen 22 in FIG. 13 corresponds to the content of the purchase-disabled screen information corresponding to the purchase-disabled screen 21 shown in FIG. It includes information indicating the reduction of items and also includes item reduction instruction information. When the smartphone 10 receives such purchase-disabled screen information, the CPU 10a generates the purchase-disabled screen 22 shown in FIG. 13 based on the received purchase-disabled screen information.

  In the purchase amount specification fields 22b and 22d of the purchase prohibition screen 22 in FIG. 13, it is possible to specify reduction of the purchase amount, and “0” can be specified as the numerical value of the purchase amount, and “0” is specified. If so, it means that the product to be purchased has been deleted. Also, the purchase refusal information 22e included in the purchase refusal screen 22 is the same as the content of the purchase refusal information 21c included in the purchase refusal screen 21 in FIG. Has become. The recalculation button 22f, charge button 22g, and purchase cancel button 22h included in the purchase disable screen 22 of FIG. 13 are equivalent to the recalculation button 21d, charge button 21f, and purchase cancel button 21g of the purchase disable screen 21 of FIG. For example, the recalculation button 22f is not activated immediately after it is displayed, and the operation for designating the reduction of the numerical values in the purchase amount designation columns 22b and 22d is performed. , Are built to be active (selectable).

  Next, the processing contents of a purchase processing method based on a series of processing by the prepayment management server 5, the purchase target server 80, the user terminal T1, and the like (for example, the smartphone 10) of the purchase system 1 having the above-described configuration will be described with reference to FIGS. 17 will be described based on the first to third flowcharts (the processing itself of the purchase target server 80 also corresponds to the purchase processing method). It is assumed that the use of the prepaid card has been set in advance on the prepaid use setting screen 17 in FIG. 10A at the stage of starting the processing of the first flowchart.

  The first flowchart in FIG. 15 illustrates a processing procedure from when the user logs in to the shopping system 2 (purchase target server 80) that provides an online shopping service (product purchase opportunity) using the user terminal T1. It is a thing. The first flowchart starts from a state in which the user performs an operation of selecting an icon corresponding to a shopping service on the home screen on the user terminal T1 (smartphone 10) and displays the login screen 15 in FIG. (S1). On the login screen 15, the user terminal T1 determines whether or not there is a login operation of inputting a mail address, inputting a password, and selecting a login button 15c (S2). If there is no log-in operation (S2: NO), a state of waiting for a log-in operation is entered. If there is a log-in operation (S2: YES), the user's log-in information (input mail address and password, and user terminal The user terminal transmits the information including the identifying UID and the like) to the purchase target server 80 of the shopping system 2 (S3).

  The purchase target server 80 (MPU 80a) is in the stage of determining whether or not the login information has been received (S10). If the login information has not been received (S10: NO), the server enters a state of waiting for reception. When the login information is received (S10: YES), it is determined whether the mail address, the password, and the like included in the received login information match any of the information stored in the user DB 81 illustrated in FIG. Is determined by the purchase target server 80 (S11). When the matching information is not stored (S11: NO), the purchase target server 80 transmits a mismatch notification to the access source user terminal. In this case, upon receiving the mismatch notification, the user terminal T1 returns to the step S1, and displays the login screen 15 again to present the user with an opportunity to input correct login information.

  On the other hand, if there is any in the user DB 81 that matches the received login information (S11: YES), the purchase target server 80 sets the login status information indicating that the user who transmitted the login information has entered the login status. (Information including the user ID and the like) is stored in the RAM 80c, and the login completion information for notifying the login completion is transmitted to the user terminal T1 (S12). The user terminal T1 switches the display of the display 10f from the login screen 15 to the display of the sales product screen 16 shown in FIG. 9 by triggering the reception of the login completion information from the purchase target server 80 (S4). By receiving a selection operation of the product image 16a or the like desired by the user, an operation such as selection of a product to be purchased and designation of a purchase amount is received by displaying a product order screen 18 of FIG. (S5).

  Further, the purchase target server 80 determines whether or not the information of “use” is stored in the item of “use card” of the user DB 81 for the user who has completed the login (S13). If the information of "use" is not stored (S13: NO), the processing related to the purchase is performed by a credit card or a bank transfer as in the related art, and the description in this case is omitted. On the other hand, if the information “use” is stored (S13: YES), the purchase target server 80 sends the inquiry information (information including the communication user ID and the card ID) for inquiring the prepaid card of the logged-in user. ) Is transmitted to the prepayment management server 5 of the communication carrier system 4 (S14).

  The prepayment management server 5 of the communication carrier system 4 is in the stage of judging whether or not the prepayment inquiry information has been received from the purchase target server 80 (S20), and when the inquiry information is not received (S20: NO), it is waiting for reception. On the other hand, when the inquiry information is received (S20: YES), the prepayment management server 5 specifies the amount of the prepayment associated with the communication user ID included in the inquiry information from the prepaid DB 6 in FIG. S21). Then, the purchase target server 80 transmits to the purchase target server 80 prepayment information for notifying the specified amount of the prepayment (S22).

  After transmitting the inquiry information, the purchase target server 80 determines whether or not the prepayment information has been received (S15). If the prepayment information has not been received (S15: NO), the purchase target server 80 waits for reception. When the prepayment information is received (S15: YES), the received prepayment information is stored in the RAM 80c in association with the login state information of the user (S16).

  The second flowchart in FIG. 16 shows that the purchase order information is transmitted to the purchase target server 80 in response to the selection operation of the purchase order button 18e performed on the product order screen 18 in FIG. This indicates that transmission processing is being performed (S30).

  The purchase target server 80 determines whether or not the purchase order information has been received (S40). If the purchase order server 80 has not received the purchase order information (S40: NO), it waits for reception. On the other hand, when the purchase order information is received (S40: YES), the purchase target server 80 compares the purchase cost of the product notified by the received purchase order information with the amount of the user's advance payment (the advance payment information stored in the RAM 80c). Is determined (S41).

  If the purchase cost exceeds the amount of the prepayment, the purchase target server 80 determines that the purchase is not possible (S41: NO), calculates the shortage of the prepayment for the purchase cost, and calculates that the purchase is not possible. It generates purchase-impossible screen information on the purchase-impossible screen indicating the amount of shortage and the method of resolving the purchase impossibility, and transmits the generated information to the user terminal T1 (S42). When the purchase target server 80 transmits the purchase non-permission screen information, the process returns to step S40 to determine whether or not the purchase order information has been received.

  After transmitting the purchase order information, the user terminal T1 determines whether or not the purchase non-permission screen information transmitted from the purchase target server 80 has been received (S31), and when the user terminal T1 has received the purchase non-permission screen information (S31: YES), for example, using the information (information indicating that purchase is not possible and the amount indicating the shortage) included in the purchase disable screen information, a purchase disable screen 20 shown in FIG. 11B is generated (S33). The generated non-purchase screen 20 is displayed on the display 10 (S34).

  In addition, as options of the user after the user terminal T1 displays the purchase non-permission screen 20, the user cancels the purchase in addition to the countermeasures described in the text part 20c of the purchase non-permission screen 20 (payment of the advance payment, etc.). Since a plurality of contents can be assumed, the processing after the display of the purchase refusal screen 20 is omitted in the second flowchart.

  Returning to the processing on the purchase target server 80, the purchase target server 80 determines in step S41 that the purchase cost is equal to or less than the amount of the prepayment and that the purchase is possible (S41: YES). Is used to generate purchase screen information relating to a purchase screen capable of accepting an operation to instruct purchase of a product specified by the user (S43), and transmit the generated purchase screen information to the user terminal T1 (S44).

  When the purchase screen information is transmitted from the purchase target server 80 to the user terminal T1, the user terminal T1 proceeds to the case of not receiving the purchase unavailable screen information at step S31 (S31: NO), and then proceeds to the purchase screen information. It is determined whether or not it has been received (S32), and if the purchase screen information has been received (S32: YES), the user terminal T1 performs the process shown in the third flowchart of FIG. If the purchase screen information is not received (S32: NO), the process returns to the step of S31.

  In the third flowchart of FIG. 17, the user terminal T1 generates the purchase screen 19 of FIG. 11A based on the received purchase screen information (S50), and displays the generated purchase screen 19 on the display 10f ( S51). Then, the user terminal T1 determines whether or not the selection operation of the purchase button 19c has been received on the displayed purchase screen 19 (S52). If the selection operation of the purchase button 19c has not been received (S52: NO), the shopping is performed. It is determined whether a selection operation of the continuation button 19e has been received (S53). When the selection operation of the shopping continuation button 19e is received (S53: YES), the process returns to the step S4 in the first flowchart of FIG. 15 and the display of the display 10f is changed to the sales item screen so that another item can be purchased. Switch to 16.

  When the selection operation of the shopping continuation button 19e is not received (S53: NO), it is determined whether the selection operation of the purchase cancel button 19d is received (S54), and the selection operation of the purchase cancel button 19d is performed. If accepted (S54: YES), the purchase order information stored in the RAM 10c is deleted (S55), and the process returns to S4 in the first flowchart to switch the display on the display 10f to the sales product screen 16 (S55). If the selection operation of the purchase cancel button 19d has not been received (S54: NO), the process returns to the step of S52.

  When the selection operation of the purchase button 19c is received at the stage of S52 (S52: YES), the user terminal T1 receives the purchase instruction operation to purchase the product by payment from the prepaid card shown on the purchase screen 19. Then, a purchase instruction corresponding to the content is transmitted to the purchase target server 80 (S56).

  After transmitting the purchase screen information in step S44 of the second flowchart, the purchase target server 80 determines whether or not a purchase instruction from the user terminal T1 has been received (S60), and has not received it. In this case (S60: NO), it is in a state of waiting for reception. If the purchase instruction has been received (S60: YES), the purchase target server 80 performs a purchase process according to the purchase instruction based on the received purchase instruction (S61). Then, the purchase target server 80 transmits the purchase completion information to the user terminal T1 (S62).

  After transmitting the purchase instruction in step S56, the user terminal T1 determines whether or not the purchase completion information has been received from the purchase target server 80 (S57), and if not, (S57: NO), it is in a state of waiting for reception. When the purchase completion information is received (S57: YES), the user terminal T1 generates and displays the purchase completion screen 23 shown in FIG. 14 (S58). The purchase completion screen 23 allows the user to confirm that the purchase process according to the purchase instruction has been completed.

  After transmitting the purchase completion information in step S62, the purchase target server 80 specifies the amount of the prepayment used by the prepaid card, and manages the prepayment usage information for notifying the specified usage amount. The data is transmitted to the server 5 (S63).

  As shown in the first flowchart of FIG. 15, the prepayment management server 5 determines whether or not prepayment use information has been received from the purchase target server 80 after transmitting the prepayment information in the step S22. If the prepayment information has not been received (S23: NO), the system is in a reception waiting state, and if the prepayment information has been received (S23: YES), the prepayment information included in the received prepayment information is received. The settlement processing of the amount is performed (S24), and the use history of the prepaid DB 6 is updated when the settlement is completed.

  As described above, in the present invention, shopping can be smoothly performed using a prepaid card even in a shopping service that independently requests online, and in performing shopping, the card ID of the prepaid card is input. Since a prepaid card can be used without a prepaid card, the operation burden on the user can be reduced. In addition, if the prepaid card is insufficient for the purchase cost of the product, the method of eliminating the purchase failure (charge the prepaid card, reduce the purchase amount, reduce the number of product items to be purchased, etc.) is specified. As a result, the merchandise seller can avoid missing a user's purchase opportunity online with a prepaid card.

  Note that the first embodiment of the present invention is not limited to the above-described contents, and various modifications are conceivable. For example, as described above, the login on the login screen 15 shown in FIG. 8 is performed immediately after the shopping application P21 is activated, and for example, the product order screen 18 of FIG. 10B is displayed on the display 10f. Then, the login screen 15 of FIG. 8 may be displayed on the display 10f at the timing when the user selects the purchase order button 18e. In this case, when the login button 15c is selected on the login screen 15 with a predetermined email address and password entered in the email address input field 15a and the password input field 15b, the login information and the purchase order button 18e are displayed. The CPU 10a performs a process of transmitting the purchase order information associated with the selection operation to the purchase target server 80.

  Then, the purchase target server 80 that has received the login information determines that the login has been completed if the e-mail address and the password included in the login information are stored in the user DB 81 and, based on the purchase order information received from the user, stores the prepaid card. It is determined whether or not the purchase is possible with the advance payment by. When it is determined that the purchase is possible, the purchase target server 80 generates the purchase screen information related to the purchase screen (for example, the purchase screen 19 shown in FIG. 11A), transmits the generated information to the user terminal, and determines that the purchase is not possible. Means to generate purchase-impossible screen information related to the purchase-impossible screen (for example, the purchase-impossible screen 20 shown in FIG. 11B) and transmit it to the user terminal.

  Therefore, as the transition of the screen displayed on the user terminal in the above-described modified example, the purchase screen (for example, the purchase screen 19) or the purchase reject screen (for example, the purchase One of the screens 20) is displayed. Even in the case of this modification, shopping can be smoothly performed using a prepaid card with respect to a shopping service that requests online independently. In the case of the above-described modified example, if it is determined that the login is impossible by transmitting the login information, the login screen 15 is displayed again so that the mail address, the password, and the like can be input.

  Further, the example of the purchase target for which the shopping service provides the purchase opportunity is not limited to the product as shown in the sales product screen 16 in FIG. 9, and other types of products can of course be applied to the present invention. is there. For example, purchase of information, purchase of rights, purchase of financial products, and the like are also possible. In addition, the present invention is applicable to various services (moving, cleaning, repair, etc.) in addition to products. In the case where the shopping service provides a single type of product and the user specifies only the purchase amount, the sales product screen 16 for presenting a plurality of products as shown in FIG. 9 is presented on the user terminal. Instead, a sales product screen for specifying the purchase amount may be presented. Further, a configuration may be adopted in which after logging in on a screen mainly dealing with one product category, another product category can be purchased. For example, a configuration may be adopted in which a screen through which a financial product can be purchased is presented after passing through a login screen mainly for purchasing an electric appliance. In addition, after logging in on a screen mainly dealing with miscellaneous goods, a configuration may be adopted in which a screen that allows the user to purchase a service such as repair related thereto or a moving service not related thereto is presented. Such a configuration can be realized by various configurations. For example, on a screen of a product category mainly handled at the time of login, a button or the like that can transition to a purchase screen of a product category different from the product category is presented. Thus, it is possible to realize a configuration in which a transition to a screen where another product category can be purchased can be made by pressing the button.

  FIG. 18 shows a state in which an example of the sale product screen 30 of the modified example is displayed on the display 10f. The sales product screen 30 of this modified example is a case where the purchase target of the prepaid card is electronic currency. When a shopping application for purchasing electronic currency is installed on the user terminal and this application is activated, the login screen 15 of FIG. Is displayed, and when the login is completed with the transmission of the login information, the sale product screen 30 of FIG. 18 is displayed on the display 10f of the user terminal.

  The sale item screen 30 for purchasing the electronic currency includes a purchase amount designation column 30a and a purchase button 30b, and the user performs an operation of designating the purchase amount (purchase amount) of the electronic currency in the purchase amount designation column 30a. When the user terminal receives a selection operation of the purchase button 30b in a state where the purchase amount is specified, a process of transmitting purchase order information of electronic currency including the specified purchase amount (purchase amount) to the purchase target server 80 is performed by the user. The terminal (CPU 10a) performs the operation.

  In the case of this modification, when the purchase target server 80 receives the purchase order information from the user terminal associated with the logged-in user ID, as described above, the user terminal associated with the logged-in user ID uses the prepaid card. Is determined, and if the use of the prepaid card is set, the purchase amount included in the received purchase order information is determined by the prepaid money information stored in association with the logged-in user ID. The MPU 80a determines whether or not the purchase amount exceeds the amount of the advance payment as compared with the indicated amount of the advance payment. If the purchase amount does not exceed the amount of the prepayment and is determined to be equal to or less than the amount of the prepayment, the MPU 80a determines that the prepayment can be purchased and confirms the purchase of the electronic currency to be purchased using the prepayment. Processing for generating purchase screen information including contents to be performed (text contents for confirming that the user purchases the electronic currency at the purchase amount specified by the user) and transmitting the generated information to the user terminal is performed.

  FIG. 19A shows a purchase screen 31 displayed on the display 10f of the user terminal when the user terminal receives the purchase screen information corresponding to the above-described purchase of the electronic currency. The purchase screen 31 is a purchase possible information 31a that describes contents for confirming that an electronic currency is to be purchased with a prepaid amount (10,000 yen) using a prepaid card with a purchase amount (10,000 yen) designated by the user. Are arranged, and a purchase button 31b and a return button 31c are arranged below it. Upon accepting the selection operation of the purchase button 31b, the user terminal issues a purchase instruction to purchase the electronic currency with the contents described in the purchase available information 31a (an instruction to purchase the electronic currency at a purchase amount designated by the user). The user terminal (CPU 10a) performs processing for transmitting to the purchase target server 80. The processing of the purchase target server 80 that has received the purchase instruction is the same as described above, and the purchase processing is executed based on the purchase instruction (see the step S61 in the third flowchart in FIG. 17). When the selection operation of the return button 31c is performed, the display of the display 10f is switched to the sales product screen 30 in FIG. 18 so that the user can change the purchase amount and the like.

  On the other hand, in the case of the above modification, if the purchase target server 80 compares the purchase amount with the advance amount and determines that the purchase amount exceeds the advance amount, the MPU 80a determines that the purchase is not possible with the advance amount and In addition to the determination, the shortage due to the prepayment is calculated, and the purchase unavailability screen information relating to the purchase unavailability screen including the fact that the purchase of the electronic currency to be purchased is not possible is generated using the prepayment, and transmitted to the user terminal. Perform transmission processing. The non-purchase screen information generated in this modified example is based on the method of eliminating the non-purchase, in addition to the charge of the prepaid card, as well as the reduction of the purchase amount, since the purchase target electronic currency can be reduced. Is included.

  FIG. 19B shows a purchase non-permission screen 32 displayed on the display 10f of the user terminal when the user terminal receives the purchase non-permission screen information corresponding to the above-described electronic currency. The purchase screen 31 displays purchase refusal information 32a indicating that 5,000 yen is insufficient to purchase an electronic currency with a prepaid amount by a prepaid card in a purchase amount (10,000 yen) designated by the user. Are arranged, and a charge button 32b and a return button 32c are arranged below it. The purchase refusal information 32a describes the reduction of the purchase amount in addition to the charge of the prepaid card as a method of resolving the purchase refusal. The contents when the selection operation of the charge button 32b and the return button 32c is performed are the same as those described above.

  The modifications shown in FIGS. 18 and 19 are also applicable to purchase targets other than electronic currency. For example, virtual objects, gold, platinum, other prepaid cards, and the like are designated as purchase targets such as virtual currency, gold, platinum, and other prepaid cards. Widely available. Further, the sales product screen 30 shown in FIG. 18 can be displayed by transiting from the sales product screen 16 as shown in FIG. In this case, a purchase target corresponding to the sale product screen 30 is included in a plurality of product images 16a and the like arranged in the sale product screen 16, and a selection operation of the product image corresponding to the purchase target is performed. Is performed, the sales consumption screen 30 is displayed. Furthermore, instead of performing the login first, in the same manner as described above, the display is switched to the login screen 15 in response to the selection operation of the purchase button 30b of the sale product screen 30, and the login operation can be performed. It is also possible to

  Further, in the above description, the charge screen 9 shown in FIG. 4 can be displayed on the user terminal without performing the login operation of the prepaid money management server 5, but like the login to the shopping service, the prepaid money can be displayed. A log-in operation may also be required for the management server 5, and after the log-in for the log-in operation is completed, the charge screen 9 in FIG. 4 may be displayed. When the login operation is required in this manner, when the selection operation of the charge buttons 20e, 21f, and 22g is performed on the purchase disable screens 20, 21, and 22 in FIGS. Such a login screen is displayed on the user terminal, the input operation of the communication user ID or the card ID is performed, and the communication user ID or the card ID is included with the selection operation of the login button. A login request is sent from the user terminal to the prepayment management server 5. The prepayment management server 5 determines whether or not the communication user ID or card ID included in the login request is stored in the prepaid DB 6 to determine whether or not the login is appropriate. And the user terminal displays the charge screen 9 shown in FIG. 4 based on the reception of the login completion from the prepayment management server 5.

  Further, purchase screen information for displaying a purchase screen 19 shown in FIG. 11A or purchase non-prohibition screen information for displaying purchase non-prohibition screens 20, 21, and 22 shown in FIGS. Has been described as including text and instructions according to the information shown on the screen. However, the purchase screen information and the purchase non-purchase screen information may be information including various numerical values instead of text or the like. . For example, when the first number included in the information is 0, it means purchase screen information, and when the first number is 1, it means purchase unavailable screen information. If the number 1 is used as the purchase screen information or the purchase refusal screen information, the processing load on the purchase target server 80 can be reduced, and the amount of communication information can be reduced.

  In addition, when the number of 0 or 1 is used as the purchase screen information or the purchase non-permitted screen information, the description contents of the purchase available information 19b included in the purchase screen 19 shown in FIG. The notation contents of the purchase non-permission information 20b, 21c, 22e included in the purchase non-permission screens 20, 21, 22 shown in FIG. 13 are included in the shopping application P21 in advance, and when the respective screens 19, 20, 21, 22 are generated, , A predetermined notation is read. Further, since the purchase non-permission information 20b, 21c, 22e includes a shortage, such a shortage is, for example, when a numeral 1 is used as the purchase non-permission screen information, It is assumed that the purchase target server 80 generates purchase-impossible screen information including a numerical value of the shortage amount (for example, a number of 10,000 when 10,000 yen is insufficient).

  Further, in the purchase disapproval screens 20, 21, and 22 shown in FIGS. 11B, 12, and 13, the method of canceling the purchase disapproval is different. As an example, in addition to using 1 as the first number described above, a number of 2 or 3 is used. When the first number included in the information (purchase rejection screen information) is 1, FIG. When the first number is 2, it is made to correspond to the purchase non-permission information 21c of the purchase non-permission screen 21 in FIG. 12, and when the first number is 3, it corresponds to FIG. It is conceivable to make it correspond to the purchase refusal information 22c on the purchase refusal screen 22. That is, in the purchase non-permission information 20b, 21c, and 22c, the method of resolving the purchase non-permission is different, and it is necessary to use each of them differently. It is possible to cope with the case where the information is represented by numbers. It should be noted that the notation according to the purchase non-permission information 20b, 21c, and 22c is included in the shopping application P21 in advance, and the user terminal (CPU 10a) uses the purchase non-permission information 20b, 21c, and 22c by the above-described number. Will be distinguished.

  Further, in the purchase refusal information 21c of the purchase refusal screen 21 in FIG. 12, as a method of resolving the purchase prohibition, the reduction of the purchase amount is described in addition to the prepaid card charge, and the purchase refusal screen 22 in FIG. Although the refusal information 22c describes the reduction in the number of product items, when emphasis is placed on promoting the use of prepaid cards, only the prepaid card charge may be described as a method of eliminating purchase failure. In the case where the method of canceling the purchase unavailability is left to the user's judgment, the description of the method of canceling the purchase unavailability may be omitted.

  Further, in the above example, the usage setting of the prepaid card is performed through the prepaid usage setting screen 17 in FIG. 10A, but the usage setting of the prepaid card is performed at the time of user registration in the shopping system 2. Alternatively, the use of the prepaid use setting screen 17 of FIG. On the other hand, the prepaid use setting screen 17 of FIG. 10A may be displayed each time a purchase is made, so that the user can appropriately set use or nonuse of the prepaid card for each purchase.

  Furthermore, in order to reduce the processing load on the purchase target server 80, it is also possible to adopt a specification in which the processing relating to the determination as to whether or not to purchase (the processing of S41 to S43 in the second flowchart in FIG. 16) is performed on the user terminal side. It is possible. In this case, when the purchase target server 80 receives and acquires the prepayment information from the prepayment management server 5 (see S15 of the first flowchart in FIG. 19), the purchase target server 80 transmits the acquired prepayment information (information indicating the prepayment amount). Transmit to the user terminal T1.

  Upon receiving the advance payment information, the user terminal T1 temporarily stores the advance payment information in the RAM 10c, and upon receiving a selection operation of the purchase order button 18e on the product order screen 18 of FIG. Rather than sending the information to 80, the purchase cost of the purchase target is compared with the amount of the prepayment related to the prepayment information stored in the RAM 10c. As a result of the comparison, if the purchase cost exceeds the amount of the prepayment, the process of generating and displaying the purchase impossible screen 20 as shown in FIG. Is included in the shopping application P21 in advance, and is used by extracting.If the purchase cost is equal to or less than the amount of the advance payment, it is determined that the purchase is possible, and the purchase screen as shown in FIG. The generation and display of 19 are performed by processing of the user terminal itself.

  Furthermore, as the issuer of the prepaid card used in the present invention, in the above-described embodiment, the description has been made of the communication carrier business entity that collects communication costs related to the communication device. However, the present invention is not limited to this, and it is not limited to this unit. If the prepaid card is a prepaid card issued by an entity that can collect (identify and collect the user) by adding the amount of the prepaid money to the cost paid by the user in The present invention can be widely used as a prepayment related to the prepaid system. Further, since a debit card (including a cash card having a debit card function) issued by a financial institution such as a bank can be used for purchasing various products, the present invention provides a method for depositing an account corresponding to a debit card. Also corresponds to the prepayment related to the prepaid method and is applicable. In this case, a server device constituting a system for managing a debit card in a financial institution such as a bank corresponds to the prepayment management server, and performs the above-described processing with the purchase target server 80. As described above, various modifications can be considered in the first embodiment of the present invention, and these modifications can also be used in appropriate combinations.

  The purchase system according to the second embodiment of the present invention performs the processing according to the above-described first embodiment on a website basis, and uses the various screens shown in FIGS. Is displayed. Since the hardware configuration of the second embodiment is the same as that of the first embodiment, the contents of the second embodiment will be described below using the same reference numerals as those of the first embodiment. .

  In the second embodiment, the shopping system 2 builds a shopping site on the network NW, and the purchase target server 80 included in the shopping system 2 plays a role of a web server, and responds to an access from a user terminal. By displaying the various screens described in the first embodiment on a user terminal via a website, the user can purchase a product.

  FIG. 20A illustrates the contents of a program or the like in the second embodiment that the smartphone 10 (see FIG. 7) stores in the storage unit 10g as an example of a user terminal, and is specific to the second embodiment. , A new browser application P22 (browser application). The browser application P22 performs processing in cooperation with the shopping application P21 'for the second embodiment. For example, when a shopping icon on the home screen of the user terminal is selected, the shopping system 2 (the purchase target server 80) Accesses the website constructed by the user, and after the access, the CPU 10a generates a web page screen based on the web page data transmitted from the shopping system 2 based on the process defined by the browser application P22, and generates each web page. The screen is displayed on the display 10f. In addition, when a selection operation of each button included in the web page screen is received, an operation notification indicating that the button is selected is transmitted to the shopping system 2 (the purchase target server 80). The CPU 10a controls based on this.

  FIG. 20B shows the contents of programs and the like stored in the large-capacity storage system 80g of the purchase target server 80 of the shopping system 2, and a new web server program P12 is unique to the second embodiment. And a web site DB 85 storing web page data corresponding to a plurality of web pages constituting a web site to be built on the network. The web server program P12 reads out screen information constituting a required web page from the website DB 85 and transmits the screen information to the access source user terminal according to the access status from the user terminal. It also stipulates that necessary screen information be transmitted according to the information indicating the transmitted operation content.

  Further, the transaction program button P11 'of the second embodiment performs processing in cooperation with the processing of the web server program P12, and the content of the processing to be executed (purchase determination, etc.) is basically the first. This is the same as the embodiment. In the second embodiment, a pre-paid card use application is made in advance to a business entity that provides a shopping service. At the time of application, a communication user ID, a card ID, card settings, and the like are also stored in the user DB 81.

  In the above-described second embodiment, when the user terminal first accesses the purchase target server 80, the purchase target server 80 displays the login screen information for displaying the login screen 15 in FIG. When the user terminal receives the login screen information, the browser application P22 generates a login screen 15 based on the login screen information and displays it on the display 10f. In the login screen 15 displayed as a web page, the same user operation as in the first embodiment is performed, and the login information of the user is transmitted from the user terminal to the purchase target server 80. Performs the processing described in the first flowchart of FIG. 15 of the first embodiment.

  When the login is completed, in the second embodiment, the login completion notification is not transmitted to the user terminal, but screen information corresponding to the sales product screen 16 in FIG. 9 is transmitted from the purchase target server 80 to the user terminal. Then, a sales product screen is displayed on the user terminal as a web page. Then, when an operation of selecting a desired product image from a plurality of product images included in the sales product screen is performed, the selected content is transmitted from the user terminal to the purchase target server 80, and the selected product image is displayed. Screen information corresponding to the product order screen of the product (see the product order screen 18 in FIG. 10B) is transmitted from the purchase target server 80 to the user terminal, and the user terminal generates a web page based on the received screen information. Generate and display a product order screen.

  When a purchase button (see purchase button 18c in FIG. 10B) is selected on the displayed product order screen, purchase order information is transmitted from the user terminal to the purchase target server 80, as in the first embodiment. Thereafter, the processing described in the second flowchart of FIG. 16 of the first embodiment is performed. However, the purchase disable screen information and the purchase screen information transmitted from the purchase target server 80 to the user terminal include a purchase disable screen as a web page, The difference from the first embodiment is that the information is for displaying the purchase screen on the user terminal.

  That is, in the second embodiment, the purchase disable screen information transmitted from the purchase target server 80 to the user terminal includes the purchase disable screens 20, 21, and 22 shown in FIGS. The information (buttons, text notation, etc.) that constitutes the purchase-disabled screens 20, 21, 22 is converted into content that includes a markup language system description such as HTML language. Has become. Similarly, in the second embodiment, the purchase screen information transmitted from the purchase target server 80 to the user terminal is information for generating and displaying the purchase screen 19 shown in FIG. The contents (buttons, text portion, etc.) constituting the purchase screen 19 include contents of a markup language system such as HTML language.

  The same applies to the case where the prepaid use setting screen 17 in FIG. 10 and the purchase completion screen 23 in FIG. 14 are displayed on the user terminal in the second embodiment. The second embodiment has basically the same configuration as that of the first embodiment except for the contents described above, and performs the same processing.

  As described above, the invention according to the second embodiment is such that the contents according to the first embodiment are performed on a website basis, and thereby the processing contents of the present invention can be performed with a flexible system configuration. There is a merit that can be. Note that also in the second embodiment, the contents of the various modifications described in the first embodiment can be applied as contents according to the second embodiment. For example, when determining whether or not to make a purchase on the user terminal side, a script corresponding to the determination process is included in the screen information transmitted from the purchase target server 80 to the user terminal in order to display each screen as a web page on the user terminal. The information describing the processing of the system is included so that the required processing can be appropriately performed on the web page.

  INDUSTRIAL APPLICABILITY The present invention can be suitably used for making it possible to use a prepaid card smoothly for payment of a purchase cost of an online purchase target.

DESCRIPTION OF SYMBOLS 1 Purchase system 2 Shopping system 4 Communication carrier system 5 Prepayment management server 6 Prepaid DB
9 Charge screen 10 Smartphone 10a CPU
15 Login screen 16 Sales product screen 17 Prepaid use setting screen 18 Product order screen 19 Purchase screen 20-22 Unavailable purchase screen 23 Purchase completion screen 80 Purchase target server 81 User DB
P11 Sales program (computer program)
P21 Shopping application T1-T3 User terminal U1-U3 User

Claims (12)

In a purchase system, a purchase target server that provides a purchase opportunity of a purchase target to a user through a network receives the purchase target purchase instruction sent from the communication terminal device, and performs the purchase target purchase process.
A prepayment management server that manages information corresponding to the prepayment of the user related to the prepaid method for each user,
The server to be purchased is
When receiving the user login information sent from the communication terminal device, based on the received user login information, means for performing a user login process,
Means for transmitting inquiry information of a prepayment relating to a user who has completed login to the prepayment management server,
The prepayment management server includes:
When receiving the inquiry information, comprising means for transmitting prepayment information to notify the prepayment of the user to be queried to the purchase target server,
The purchase target server further includes:
Means for generating purchase screen information related to a purchase screen capable of accepting an operation of instructing the purchase of the purchase target using the prepayment notified by the received prepayment information,
Means for transmitting the generated purchase screen information to the communication terminal device.
The communication terminal device,
Means for generating and displaying a purchase screen based on the received purchase screen information when receiving the purchase screen information;
Means for transmitting, to the purchase target server, a purchase instruction to purchase the purchase target using a prepayment, when an operation of instructing purchase of the purchase target is received using a prepayment on the displayed purchase screen; A purchasing system comprising: A purchase processing method by a purchase system for performing a purchase target purchase process in response to receiving a purchase target purchase instruction sent from a communication terminal device by a purchase target server that provides a purchase target purchase opportunity to a user through a network. At
The purchase system includes a prepayment management server that manages information corresponding to the prepayment of the user according to the prepaid method for each user,
The server to be purchased is
When receiving the user login information sent from the communication terminal device, performing a user login process based on the received user login information,
Transmitting to the prepayment management server inquiry information of the prepayment related to the user whose login has been completed,
The prepayment management server includes:
When receiving the inquiry information, comprises a step of transmitting prepayment information to notify the prepayment of the user to be queried to the purchase target server,
The purchase target server further includes:
When receiving the prepayment information, generating purchase screen information related to a purchase screen capable of accepting an operation of instructing the purchase of the purchase target using the prepayment notified by the received prepayment information,
Transmitting the generated purchase screen information to the communication terminal device.
The communication terminal device,
Generating and displaying a purchase screen based on the received purchase screen information when receiving the purchase screen information;
Transmitting, on the displayed purchase screen, a purchase instruction to purchase the purchase target to the purchase target server using a prepayment when receiving an operation to instruct purchase of the purchase target using a prepayment; A purchase processing method comprising: A purchase target server that provides a purchase opportunity of the purchase target to the user through the network and performs the purchase target purchase process in response to receiving the purchase target purchase instruction sent from the external communication terminal device,
Means for performing a user login process based on the received user login information when receiving user login information sent from an external communication terminal device;
A means for transmitting inquiry information of a prepayment relating to a user who has completed login, to an external prepayment management server which manages information corresponding to the prepayment of the user related to the prepaid method for each user,
With the transmission of the inquiry information, when the prepayment information for notifying the prepayment of the user is received, it is possible to receive an operation for instructing the purchase of the purchase target using the prepayment notified by the received prepayment information. Means for generating purchase screen information related to the purchase screen
Means for transmitting the generated purchase screen information to an external communication terminal device. A means for comparing the purchase cost of the purchase target with the amount of the prepayment notified by the received prepayment information,
4. The purchase target server according to claim 3, wherein the purchase screen information is generated when the purchase cost of the purchase target is equal to or less than the amount of the advance payment. Means for generating purchase-impossible screen information related to a purchase-impossible screen that indicates that the purchase of the purchase object is not allowed, when the purchase cost of the purchase object exceeds the amount of the advance payment;
The purchase target server according to claim 4, further comprising: means for transmitting the generated non-purchase screen information to an external communication terminal device. Means for calculating a shortfall for the purchase of the purchase target in the amount of the advance payment,
6. The purchase target server according to claim 5, wherein purchase non-permission screen information relating to the purchase non-permission screen indicating the calculated shortage is generated.   7. The purchase target server according to claim 5, wherein the purchase target server is configured to generate purchase non-permission screen information relating to a purchase non-permission screen indicating payment of a prepayment for the purchase target dissolution of the purchase target. 8.   8. The purchase target server according to claim 7, wherein the purchase target server is configured to generate purchase non-permission screen information relating to a purchase non-permission screen capable of receiving an operation instruction for switching to display of a payment reception screen of a prepayment.   When the purchase target is capable of reducing the purchase amount, purchase non-permission screen information relating to the purchase non-permission screen indicating the purchase target purchase amount reduction is generated in response to the purchase target elimination of purchase non-prohibition. A purchase target server according to any one of claims 5 to 8.   6. The non-purchasable screen information relating to a non-purchasable screen capable of accepting an operation of designating the purchase amount of the purchase target when the purchase target can reduce the purchase amount. 10. The server to be purchased according to any one of items 9 to 9. A purchase processing method for performing a purchase target purchase process in response to a purchase target server providing a purchase target purchase opportunity to a user through a network, receiving a purchase target purchase instruction sent from an external communication terminal device. ,
When receiving user login information sent from an external communication terminal device, performing a user login process based on the received user login information;
Transmitting inquiry information of the prepayment related to the user who has completed the login to an external prepayment management server that manages information corresponding to the prepayment of the user related to the prepaid method for each user;
With the transmission of the inquiry information, when the prepayment information for notifying the prepayment of the user is received, it is possible to receive an operation for instructing the purchase of the purchase target using the prepayment notified by the received prepayment information. Generating purchase screen information related to the purchase screen;
Transmitting the generated purchase screen information to an external communication terminal device. Computer program for executing a purchase target purchase process in response to receiving a purchase target purchase instruction sent from an external communication terminal device to a server computer that provides a user with a purchase target purchase opportunity through a network At
In the server computer,
When receiving user login information sent from an external communication terminal device, performing a user login process based on the received user login information;
Transmitting inquiry information of the prepayment related to the user who has completed the login to an external prepayment management server that manages information corresponding to the prepayment of the user related to the prepaid method for each user;
With the transmission of the inquiry information, when the prepayment information for notifying the prepayment of the user is received, it is possible to receive an operation for instructing the purchase of the purchase target using the prepayment notified by the received prepayment information. Generating purchase screen information related to the purchase screen;
Transmitting the generated purchase screen information to an external communication terminal device.

Images