WO2002005159A1 - Procede et systeme de reglement - Google Patents

Procede et systeme de reglement Download PDF

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Publication number
WO2002005159A1
WO2002005159A1 PCT/JP2001/005842 JP0105842W WO0205159A1 WO 2002005159 A1 WO2002005159 A1 WO 2002005159A1 JP 0105842 W JP0105842 W JP 0105842W WO 0205159 A1 WO0205159 A1 WO 0205159A1
Authority
WO
WIPO (PCT)
Prior art keywords
settlement
mall
payment
personal information
server
Prior art date
Application number
PCT/JP2001/005842
Other languages
English (en)
Japanese (ja)
Inventor
Nobuo Goi
Original Assignee
Viewnet Systems Inc.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Viewnet Systems Inc. filed Critical Viewnet Systems Inc.
Publication of WO2002005159A1 publication Critical patent/WO2002005159A1/fr

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/346—Cards serving only as information carrier of service
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

Definitions

  • the present invention relates to a method and a system for performing a settlement process for electronic commerce (EC), and particularly to a settlement method and a settlement system suitable for electronic commerce on the Internet.
  • EC electronic commerce
  • a facsimile application form is displayed on the web, the user prints it out, enters the credit card number, etc., and sends it by facsimile.
  • a settlement method in which an application form printed with a bar code is displayed on the web, and the user prints out the form and pays it in cash at a convenience store (CVS) that exists as a real store.
  • CVS convenience store
  • these methods require the user When accessing these websites on the Internet, the printer connected to the user's PC, etc., must be available. These methods also require users to fill in the application form and send it by facsimile, or to go to a convenience store.
  • CAFIS Current And Finance Information Switching System
  • DDX Digital Data Exchange
  • this type of credit online system basically uses a dedicated terminal (for example, a CAT (credit authorization terminal) device) to connect to the center, and allows any terminal via the Internet. It is not configured to be accessible from the Internet. For this reason, malls opened on the Internet are not able to use such credit online services. Even if you have subscribed to the system, if you send a credit card number, etc. from the user, it is not possible to automatically make an inquiry about the credit card number and you need to manually .
  • CAT credit authorization terminal
  • a credit card is generally used as a means of settlement in e-commerce, especially e-commerce for general consumers, that is, so-called B to C (business to consumer) e-commerce.
  • B to C business to consumer
  • e-commerce servers are generally constructed to support predetermined payment methods (mainly credit card only), and therefore increase the types of payment methods that can be used. In order to do so, it is necessary to modify the application software of the e-commerce server. But However, it is difficult to modify the existing e-commerce server's abbreviated software every time the number of available payment methods increases, which is extremely disadvantageous in terms of maintenance and other costs. Also, since the actual settlement process is a process linked to many network systems, it is impossible to implement the settlement process only with the e-commerce server.
  • the e-commerce server is generally configured by introducing a program for realizing the same into a server computer, and exhibits and explains products, accepts purchases, and the like.
  • a program for realizing an e-commerce server can be used, for example, by using a content description language such as HTML (hypertext markup language) ⁇ XML iextensible markup language) or a Java (registered trademark) abbreviated. It is configured to display data on the user's terminal or exchange data with the user terminal.
  • a content description language such as HTML (hypertext markup language) ⁇ XML iextensible markup language) or a Java (registered trademark) abbreviated. It is configured to display data on the user's terminal or exchange data with the user terminal.
  • an object of the present invention is to provide a secure and online payment process in conjunction with e-commerce, a user to use various terminals, and a payment process capable of responding to various payment means. It is to provide a method.
  • Another object of the present invention is to provide a secure and online settlement process that can be used in conjunction with electronic commerce, that various types of terminals can be used by the user, and that can be used for a wide variety of payment methods.
  • a first object of the present invention is a settlement processing method for performing electronic commerce, a settlement mall system for performing settlement in electronic commerce, a settlement mall system connected to the settlement mall system, and a settlement mall based on the type of settlement means.
  • a payment system that accesses the financial institution server in accordance with instructions from the system and performs balance inquiry, credit check, and transfer processing, and stores personal information of e-commerce users and stores the personal information
  • the personal information is transmitted to the settlement mall system and the settlement system via a communication network, and the settlement is performed in the settlement mall system based on the transmitted personal information. This is achieved by a payment processing method that accesses a financial institution server by a payment system based on the payment method.
  • a second object of the present invention is a settlement processing system used when conducting electronic commerce, which is provided in a backend of an EC mall server which performs electronic commerce for providing goods and Z or services to users.
  • a settlement mall system that performs settlement in e-commerce in an EC mall server, and a settlement mall system, and accesses a financial institution server according to an instruction from the settlement mall system based on a type of settlement means;
  • a settlement system that executes balance inquiry, credit check and transfer processing, and the personal information of the user of the EC mall server is read from personal information storage means for storing personal information, and is transmitted via a communication network. Is transmitted to the payment mall system and the payment system, and the payment mall system performs payment based on the transmitted personal information. Beam accesses a financial institution server based on personal information that is transmitted, is achieved by the settlement processing system.
  • the settlement processing system includes an analog network, a general public line such as an integrated services digital network (ISDN), a wireless LAN (mouth area network), a wireless WAN (wide area network), a mobile phone system, and a PHS (personal handyphone). system), xDSL (digital subscriber line) network, CATV (cable television) network, satellite communication network, optical fiber network, and other communication networks.
  • ISDN integrated services digital network
  • LAN mouth area network
  • a wireless WAN wide area network
  • PHS personal handyphone
  • xDSL digital subscriber line
  • CATV coded television
  • satellite communication network satellite communication network
  • optical fiber network optical fiber network
  • the funds and settlement methods that can be settled here include, for example, credit cards, debit cards, e-wallets, points from various point services, e-money, and other services provided by financial institutions.
  • Various settlement methods can be used according to the type of work being performed.
  • This settlement processing system connects to a center of a predetermined financial institution corresponding to the settlement means, and executes fund settlement.
  • the connection of the financial institution to the center may be made, for example, via a shared online credit online system.
  • a dedicated payment server is set up for each financial institution center. It is preferable that data exchange between the settlement processing system and the financial center be performed via this settlement business server.
  • the settlement processing system includes a settlement mall system which is a mall system for specializing in settlement of electronic commerce.
  • the application program for implementing the payment mode system can be configured by modifying the application program of a normal e-commerce server. Specifically, this can be realized by implementing a link button or link pointer in the application program of the server for e-commerce, and implementing a function to inherit payment information such as the amount of money.
  • the settlement mall system By connecting the settlement mall system, it is possible to realize various settlement means and fund settlement processing in conjunction with e-commerce, with little change to the existing e-commerce server Although it is possible to build the functions of the settlement mall system in the e-commerce server, it is obvious from the viewpoint of maintenance and the like that operating both logically independent is more efficient in operation. .
  • the settlement mall system and the settlement system can be integrated into an integrated server, and the integrated server can be provided with a function as an EC mall server.
  • the programs for realizing the settlement mall system, the settlement system, and the EC mall server operate in parallel as separate processes.
  • the terminal system connected to the payment processing system requires an IC (integrated circuit) card IC
  • IC integrated circuit
  • a mobile phone with a built-in chip will be used.
  • the IC card stores personal information, such as an account number, credit card number, and personal identification number, at a financial institution, and also stores a key required to encrypt and transmit such personal information as a digital signature.
  • One IC card can be used for multiple payment methods such as credit cards, debit cards, e-wallets, e-moneys, and point cards.
  • devices that include an IC card or an equivalent IC chip are generically called personal information storage means.
  • the terminal system is connected to the payment system via the e-commerce server and the payment mall system, and is not limited to a specific type or configuration of terminal.
  • a wide variety of terminals can be used, and these terminals can perform the same processing as a conventional CAT terminal / debit card terminal.
  • FIG. 1 is a block diagram showing the configuration of the settlement processing system according to the embodiment of the present invention.
  • FIG. 2 is a diagram illustrating a data flow in the settlement processing system shown in FIG. .
  • FIG. 3 is a diagram for explaining in detail the flow of data at the time of balance inquiry and settlement processing.
  • FIG. 4 is a diagram illustrating an example of display on a display device of a used spine when performing electronic commerce using the settlement processing system shown in FIG.
  • FIG. 5 is a flowchart illustrating the processing of the settlement business server.
  • FIG. 6 is a block diagram showing another embodiment of the present invention.
  • the settlement processing system shown in Fig. 1 is connected to a nationwide shared online credit online system such as CAFIS 11 and uses the funds in accounts provided by financial institutions and credit card companies.
  • This is a payment system that can support various payment methods.
  • a credit card company and the like are included in addition to a narrowly defined financial institution such as a bank.
  • the credit online system 11 is also provided as a credit check system for organizing information transmitted from a settlement system 17 described later and transmitting the information to a center of a designated financial institution.
  • the financial institutions include a bank, a shinkin bank, a postal service (postal savings), and a credit card company.
  • 1 2 2 , savings center 1 2 3 and credit center 1 2 4 are installed.
  • Each of these centers 1 2 1 2 4 is usually Credit line system 1 1 is connected directly with, for processing in the settlement process cis ⁇ in this embodiment, these center 1 2-1 2 4, settlement operations provided in the center your capital Connect to credit online system 11 via server 13.
  • the settlement business server 13 is a server dedicated to settlement business provided in the office of each financial institution, and executes business services approved by each financial institution. This business service includes, for example, balance inquiry, transfer, transfer, and electronic money issuance.
  • the settlement business server 13 does not process data other than those connected from the settlement system 17, for example, data from a normal CAT terminal. That is, the credit card credit check terminal existing in the actual store does not connect to the settlement business server 13.
  • this settlement processing system there are a web server 14 that accepts connections from users or consumers who want to conduct e-commerce, and an e-commerce server that implements sites such as e-commerce malls, that is, an EC mall server 15.
  • a settlement mall system 16 provided for each EC mall server 15 for settlement of e-commerce, and a connection between each settlement mall system 16 and the credit online system 11 for settlement processing by various settlement means and store
  • a settlement system 17 for managing sales and sales is provided.
  • various means such as a credit card, a debit card, an electronic wallet, and an electronic money can be used as the settlement means.
  • ⁇ E-server 14 is typically connected to the Internet by the user in order to realize access to the Internet. It is a server of a service provider (ISP) and provides basic functions as an ISP, for example, a user authentication function, an Internet connection function, and a mail account function.
  • ISP service provider
  • the settlement system 17 and the credit online system 11 are connected by a dedicated line or the like due to security problems.
  • the EC mall server 15 is established on the Internet and the like as described above, and is generally not closely connected to the settlement mall system 16. Therefore, in this settlement processing system, the EC mall server 15 Regarding how to connect to the mall system 16, there are three cases.
  • the web server 14 and the EC mall server 15 and the EC mall server 15 and the settlement mall system 16 are connected via the communication network 18.
  • the second case corresponds to the case where the ISP itself opens a mall.
  • the ⁇ ⁇ ⁇ server 14 and the EC mall server 15 are directly connected or provided as an integrated server.
  • the EC mall server 15 and the settlement mall system 16 are connected via a communication network 18.
  • the third case corresponds to the case where the creator of the settlement mall system 16 establishes the mall itself.
  • the EC mall server 15 and the settlement mall system 16 are directly connected.
  • the web server 14 and the EC mall server 15 are connected via a communication network 18.
  • the user can directly access the EC mall server 15 without going through the web server 14. It may be.
  • the settlement mall system 16 and the settlement system 17 are provided on the same premises or are connected by a dedicated line.However, it is assumed that sufficient security Both may be connected via the network 18.
  • a single payment system 17 is depicted as being present for multiple payment mall systems 16; however, one payment system 17 is actually replaced with multiple payment mall systems 16 The connection may be made, or a settlement system 17 may be provided for each settlement mall system 16. If the computer used as a server has sufficient capacity, a computer program that implements the settlement mall system 16 on the same physical server computer is used. And a computer program for realizing the payment system 17 can be run in parallel.
  • the communication network 18 is typically the Internet.
  • FIG. 1 a plurality of communication networks 18 are illustrated, but this is to clarify the connection relationship between the web server 14, the EC mall server 15, and the settlement mall system 16.
  • the web server 14, the EC mall server 15 and the settlement mall system 16 are connected to the same communication network 18 according to the three cases described above.
  • a certificate authority system 19 is connected to the communication network 18.
  • the certificate authority system 19 is used to confirm that the terminal user connected to the payment processing system is the person himself, and to confirm the legitimacy of the server and the system.
  • the certificate authority system 19 a system that has already been established on the Internet as a so-called third party organization that performs electronic authentication can be used.
  • the main functions of the certification authority system 19 here are to check the validity of the EC mall server 15 to be connected, the settlement mall system 16 and the settlement system 17, to confirm the legitimacy of users, and to check data and messages.
  • exchange of secret keys using a common key method, issuance of public key certificates, etc. can be cited.
  • the security of the settlement processing system is further enhanced.
  • a user who wants to purchase goods and services through e-commerce at a mall opened on EC mall server 15 will use various terminal systems to connect to this payment processing system .
  • the user holds an IC card that stores keys used for encryption / decryption of personal information and data and a digital signature, and performs personal authentication using the IC card.
  • Examples of the personal information include a credit card number, an account number, and a personal identification number. Therefore, it is necessary that the terminal system be capable of reading the IC card 21, and it is preferable that the terminal system be capable of writing data to the IC card 21 as necessary.
  • Examples of such a terminal system include a personal computer 20 equipped with an IC card reader or IC reader / writer and a game equipped with an IC card reader or IC card reader / writer.
  • Such terminals are all equipped with IC card readers or IC reader / writers, such as Internet terminals (Internet appliances), mopile terminals, personal digital assistants (PDAs), and satellites. Digital TV terminals, CATV set-top boxes, public multimedia terminals, etc.
  • IC force - de and equipment with a built-in IC chip having the same function for example, be such as a portable electric packer 2 0 2 and PHS phones, can be used as a terminal system.
  • Such a terminal system is connected to the E-server 14 via the communication network 18a, and is connected to the settlement processing system.
  • Examples of the communication network 18a include general public lines for dial-up connections, wireless communication networks such as mobile phone lines and PHS lines, xDSL networks, and CATV networks. Is selected according to the position.
  • a gateway (not shown) may be provided between the communication network 18 a and the web server 14.
  • the communication network 18a is a mobile phone communication network
  • the normal IP lantemet protocol
  • HTTP hypertext transfer protocol
  • WAP Since protocols such as wireless application protocol
  • WSP wireless session protocol
  • the terminal system has an interface and a function that can be connected to the network system represented by the communication network 18a in FIG. 1 and also has an IC card to enhance security and security. It is equipped with a reader or IC card reader / writer internally or externally.
  • the IC card in the present embodiment has, for example, a key having a 128-bit length by a generally known encryption technique RSA. Depending on the card chip, a key with a length of 104 bits can be used.
  • IC cards can store personal identification numbers in encrypted form, and are considered to be highly secure input / output devices. The use of an IC card eliminates the need to directly enter a personal identification number on the network, and eliminates the danger of leakage of the personal identification number to a third party. Also, assuming that the above-mentioned Ic chip is built into a mobile phone, personal identification and authentication using voiceprints, irises, and fingerprints are possible, and terminals with higher security can be realized. .
  • the settlement mall system 16 is a mall system that specializes in e-commerce settlement as described above. Banking account settlement, credit card settlement, postal savings settlement, personal loan settlement, settlement at securities company and non-life insurance company accounts, e-wallet, e-money, eco-money, etc. Are prepared, and in each transaction menu, you can check account balance, transfer, transfer, utility bill transfer, etc.
  • the settlement mall system 16 can perform a transaction by selecting the settlement means provided by the user's IC card from these settlement means. Generally, in addition to purchasing goods and services on the mall, it is assumed that the user checks the account balance using the settlement mall system 16. Therefore, the settlement mall system 16 also supports the case where only the account balance is confirmed.
  • the payment system 17 provides credit card companies, financial institutions, and credit store affiliated stores with (1) talent-soliciting, (2) sales management functions, and (3) batch management functions. It is a system to realize.
  • the payment system 17 functions as a terminal online server that simulates the terminal connection function as a credit card terminal, POS (point of sales) terminal, debit card terminal, etc., and the user terminal system and EC mall server 1 Converts the data from 5 into data for the credit online system 11 and connects to the credit online system 11 center, and performs an intermediary to check the credit at each financial institution center and perform the settlement process I do.
  • the payment system 17 also has a function as a web interface connected from the EC mall server 15 via the payment mall system 16. Next, electronic commerce using this payment processing system will be described with reference to FIG.
  • the user's IC card 21 contains in advance personal information such as name, address, personal identification number, credit card information including the account number at the bank, credit card information including the credit number, encryption key, It is assumed that connection URLs (unifo “m resource locator”), mail accounts, etc. are stored, and a web server 14 provided at the ISP has a sign-up data for each user who is a subscriber of the ISP. Information such as name, address, telephone number, and email account is stored.
  • the user uses the terminal system 20 to connect to the web server 14 by dial-up connection or the like.
  • the web server 14 performs user authentication according to the usual procedure, and then links to the URL based on the connection URL sent from the user side, whereby the user can use the EC mall server. It will be connected to 15. At this time, the validity of the EC mall server 15 is verified by the certificate authority system 15 and the result is transmitted to the user.
  • the EC mall server 15 presents the merchandise information to the user side and registers the merchandise in the “shopping basket” in response to a request from the user. Then, for each user, the information of the product registered in the shopping cart and the total price are stored. The processing procedure up to this point is the same as that of a conventional e-commerce site. Next, the EC mall server 15 transmits the total amount and the merchant information relating to the EC mall server 15 to the settlement system 1 through the settlement mall system 16 and the settlement mall system 16 in order to perform the settlement processing. Send to 7 and, and request settlement processing from settlement mall system 16.
  • the settlement mall system 16 allows the user to select a financial institution when the settlement process is requested from the EC mall server 15 and also allows the user to select a financial institution from the terminal system 20 via a communication network to the IC card 21.
  • the information such as the account number in is read out.
  • the settlement mall system 16 requests the settlement system 17 to check the account balance together with the information of the house bank and the account number.
  • the validity of the settlement mall system 16 is verified by the certificate authority system 19, and the verification result is transmitted to the user and the EC mall server 15.
  • the payment system 17 reads information such as the personal identification number in the IC card 21 from the terminal system 20 via the communication network, and sends the information to the credit online system 11 in a predetermined manner.
  • the balance is queried according to the procedure (for example, CAFIS procedure). Also, record merchant information, user card information, sales amount, etc.
  • the validity of the payment system 17 is verified by the certificate authority system 19, and the verification result is transmitted to the payment mall system 16.
  • the credit online system 11 When requested to check the balance from the settlement system 17, the credit online system 11 performs a balance inquiry to the financial institution center 12 of the corresponding financial institution via the settlement business server 13. The result of the balance inquiry is sent to the settlement system 1 via the credit online system 11. Further, the result of the balance inquiry is sent from the settlement system 17 to the settlement mall system 16.
  • the settlement mall system 16 executes the settlement processing.
  • the payment system 17 sends the credit online system 11 based on the user's financial institution name and account, the transfer destination account number, and the amount information.
  • the credit on-line system 11 instructs the financial institution center 12 via the settlement business server 13 to execute credit settlement and transfer processing in accordance with a predetermined procedure (for example, the CAFIS procedure).
  • the credit check result and the transfer result are received and transmitted to the settlement system 17.
  • the settlement system 17 performs the sales management process based on the transfer data, and transmits the transfer result to the settlement mall system 16. After that, the settlement mall system 16 notifies the EC mall server 15 of the completion of the settlement.
  • FIG. 3 shows the processing procedure from the balance inquiry to the settlement processing in the above description in more detail.
  • the above-mentioned explanations and figures show the specific processing performed in the EC mall server 15, settlement mall system 16, settlement system 17, credit online system 11 and financial institution center 13. It will be clear from 3.
  • FIG. 4 is a diagram showing what kind of screen appears on the screen of the terminal system 20 on the user side, assuming that such a settlement processing system is used.
  • the EC mall server 15 Connected to the EC mall server 15 "Shopping basket" (When the product information is registered, the EC mall server 15 displays the information on the display device of the user's terminal system 20 as shown in Fig. (A).
  • the user clicks the “Card Available” button with the pointing device (mouse, etc.) of the terminal system 20 the amount information and the transfer destination (member store) information are displayed. Is sent to the settlement mall system 16, and the settlement mall system 16 displays a selection screen ((b) in FIG. 4) for prompting the user to select a settlement method on the display device of the terminal system 20.
  • the settlement mall system 16 displays a confirmation screen for confirming whether the settlement can be made at that financial institution ((c) in Fig. 4).
  • the display device of the terminal system 20 To display in by the user to click the button of "confirmation" in the. Confirmation screen, the data is sent to the settlement system, so that the above-mentioned balance query and settlement process is executed.
  • FIG. 5 is a flowchart illustrating the processing of the settlement business server 13.
  • the settlement business server 13 is a server dedicated to settlement business provided at the center of each financial institution, executes a business service approved by each financial institution, and is not connected to the settlement system 17. Data is not connected.
  • the settlement business server 13 Upon receiving the data from the center of the online credit system 11 in step 101, the settlement business server 13 checks in step 102 whether it is a request from the settlement system 17 and If the request is not from the payment system 17, the process proceeds to step 106. If the request is from the payment system 17, in step 103, is the requesting command an approval command? Check if. If the command is not an approval command, the process proceeds to step 106.If the command is an approval command, the command is sent to the financial institution center 12 in step 104, and the command from the financial institution center 12 is sent in step 105. The command is received. Then, in step 107, the execution result is transmitted to the center of the online credit system 11, and the processing is terminated.
  • step 106 error processing is executed, and thereafter, the process proceeds to step 107, and the processing ends.
  • the payment system 17 may be configured to connect to the payment operation server 13 without going through the online credit system 11.
  • the intervening online credit system 11 can simplify the configuration as a payment processing system. It is also possible to adopt a configuration in which the settlement business server 13 is not provided.
  • the settlement system is provided for each settlement mall system 16.
  • One step may be provided.
  • the payment system 17 looks as if it were a credit card member store.
  • the indirect affiliated store system may not be permitted. If each affiliated store that intends to conduct e-commerce has its own payment system 17, Although not contrary, the provision of a single payment system 17 for multiple merchants may violate this provision.
  • an ASP application 'service' provider
  • a credit-powered merchant who intends to conduct e-commerce is located in the ASP center 31.
  • Each integrated server 32 is housed.
  • Each integrated server 32 connects to the settlement business server of each financial institution via the credit online system 11.
  • the integrated server 32 integrates the functions of the EC mall server 15, the payment mall system 16 and the payment system 17 in the payment processing system shown in FIG.
  • an integrated server 3 2 is provided for each member store in the form of a housing, and the member store code of the corresponding member store is assigned to each integrated server 32. Therefore, the above-mentioned credit company management policy is satisfied. Furthermore, the integrated server 32 may have the function of the EC mall server 15. Further, the ASP center 31 is provided with a shared server 33 that is shared by each member store. Sharing server 3 3, data originating terminal via the communication network 1 8, for example, a personal computer 2 0, the mobile phone 2 0 2, integration server corresponding data to be input from the game machine terminal 2 0 3 to the data 3 Executes processing that is not directly related to the settlement but is common to each member store.
  • the means of payment is automatically separated based on information from the data source terminal, that is, whether payment is made by a debit card or a credit card. However, it is decided which retailer (member store) it is for.
  • the integrated server 31 performs both operations of the settlement mall system 16 and the settlement system 17 in FIG. 1, the same procedure as in the system shown in FIG. Then, processing related to settlement is executed. Therefore, in the system shown in FIG. 6, similarly to the system shown in FIG. 1, the user can use an IC card 2 storing keys used for encryption / decryption of personal information and data and digital signature.
  • the certification authority system established on the Internet performs the verification of the validity of the integrated server 32 and the personal authentication.
  • each credit card member store can construct a payment processing system at low cost.
  • a payment processing system can be constructed at lower cost.
  • each member store can outsource the management of these systems and servers to the ASP.
  • resources owned by the ASP can be shared (shared) by a plurality of stores, so that even in this case, a payment processing system can be constructed at low cost.
  • the settlement business server 13, live server 14, EC mall server 15, settlement mall system 16, settlement system 17, integrated server in each of the above embodiments are described.
  • 3 2 and the shared server 3 3 can be easily understood by those skilled in the art (by causing a computer system to read a computer program for realizing the function and executing the program, respectively).
  • the programs for implementing these servers and systems are loaded into a computer via a recording medium such as a magnetic tape or CD-ROM, etc.
  • 3 2 integrates the functions of the settlement mall system 16 and the settlement system 17 in Fig. 1.
  • the computer program for implementing the server is a program that simultaneously executes a process corresponding to the settlement mall system and a process corresponding to the settlement system 17 on the computer. It is preferable that the data is exchanged between the process corresponding to the payment system and the process corresponding to the payment system, and the integrated server 3 2 also functions as the EC mall server 15. In this case, it is preferable to configure a program for realizing the integrated server 32 so that the process corresponding to the EC mall server is also executed on the integrated server 32 at the same time.
  • a settlement mall system which is a mall system dedicated to settlement, is provided in correspondence with an EC mall server, and a balance inquiry, a credit check, and a transfer process to a financial institution for each of various settlement means are performed.
  • a payment system is set up that uses a smart card that encrypts and retains personal information for user authentication, etc., and makes various payments with little modification to existing e-commerce servers. It has the effect of being able to respond to ⁇ steps, execute payment in conjunction with e-commerce, and obtain a secure payment processing system.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

L'invention concerne un système de règlement comprenant un système de centre de règlement placé à l'arrière d'un serveur de centre commercial électronique pour exécuter une transaction électronique, ledit système servant pour une transaction électronique dudit serveur. Elle concerne également un système de règlement relié au système de centre de règlement et donnant accès à un serveur d'une institution financière selon le type de moyens de règlement conformément à une instruction du système de centre de règlement visant l'exécution d'une consultation du solde du compte, d'une vérification de la solvabilité et d'un transfert. Les informations personnelles concernant l'utilisateur qui souhaite acheter un produit ou analogue sont lues dans le dispositif de stockage d'informations personnelles, tel qu'une carte à circuit intégré, puis transférées par le biais d'un réseau de communication au système de centre de règlement et au système de règlement. Le règlement et l'accès au serveur de l'institution financière sont exécutés conformément aux informations personnelles transmises.
PCT/JP2001/005842 2000-07-06 2001-07-05 Procede et systeme de reglement WO2002005159A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
JP2000205096A JP2002024737A (ja) 2000-07-06 2000-07-06 決済処理システム
JP2000-205096 2000-07-06

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WO2002005159A1 true WO2002005159A1 (fr) 2002-01-17

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JP5417224B2 (ja) * 2010-03-08 2014-02-12 日立オムロンターミナルソリューションズ株式会社 取引処理装置および取引処理方法

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