WO2011148873A1 - 電子財布による、ネットワーク上での決済手段管理方法、決済手段管理装置及び決済手段管理プログラム - Google Patents
電子財布による、ネットワーク上での決済手段管理方法、決済手段管理装置及び決済手段管理プログラム Download PDFInfo
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- WO2011148873A1 WO2011148873A1 PCT/JP2011/061666 JP2011061666W WO2011148873A1 WO 2011148873 A1 WO2011148873 A1 WO 2011148873A1 JP 2011061666 W JP2011061666 W JP 2011061666W WO 2011148873 A1 WO2011148873 A1 WO 2011148873A1
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- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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- 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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
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- 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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3229—Use of the SIM of a M-device as secure element
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- 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
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
-
- 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
Definitions
- the present invention relates to settlement means management such as settlement using settlement means and selection of settlement means.
- networks such as the Internet network, mobile communication network, next-generation communication network, etc. (hereinafter referred to as “network” as appropriate) is widely and generally performed.
- the user when paying for the price of goods in electronic commerce on the network, the user has to input information necessary for payment such as a credit card number for each site for each payment.
- Patent Document 1 A technique in view of this point is described in Patent Document 1.
- information necessary for settlement such as an account number is stored in an IC card or an IC chip.
- the IC card or IC chip is read by a dedicated reading device to acquire information necessary for payment such as an account number. Thereby, it is possible to save the trouble of inputting information necessary for settlement such as a credit card number every time.
- Patent Document 1 If the technique described in Patent Document 1 described above is used, it is possible to save the trouble of inputting information necessary for settlement each time.
- the present invention provides a settlement means management method, a settlement means management apparatus, and a settlement means management program on a network using an electronic wallet, which do not require input and transmission of information necessary for settlement for each settlement. For the purpose.
- a settlement for managing and settlement of settlement means is connected to each of a terminal used by a user and a site of a business operator connected to the terminal used by the user.
- the account management storage unit that receives and stores information necessary for performing payment using the payment means, and the received information and the payment means using the information are associated with each user.
- Use the account management function unit to identify a payment method that can be used by a certain user when there is a request for payment processing for a certain user from the account management function unit to be managed and the operator's site.
- a payment management function unit for performing a payment process by the selected payment means using the necessary information linked to the payment means selected by the certain user from the specified payment means, Payment device is provided, wherein the obtaining.
- a terminal used by a user a site of a business operator connected to the terminal used by the user, and a payment device that manages and settles payment means are mutually connected.
- the terminal used by the user transmits information necessary for performing payment using a payment means to the payment device and performs a commercial transaction at the business operator site.
- the payment unit is designated for the payment device, and the operator's site requests the payment device to perform part or all of the payment processing at the operator's site, and the payment device is the above-mentioned payment device.
- a settlement system characterized by that.
- the payment used for the management and payment of the payment means connected to each of the terminal used by the user and the site of the business operator connected to the terminal used by the user.
- a step of preparing an account management storage unit that receives and stores information necessary for performing payment using a payment means; and for each user, the received information and the information An account management function step that links and manages the payment means to be used, and a payment means that can be used by a certain user when there is a request for payment processing for that user from the operator's site, Identifying by performing the account management function step, the selection using the necessary information associated with the settlement means selected by the certain user from the identified settlement means Payment to the settlement management functional steps of performing settlement processing by the settlement means, characterized in that it comprises were are provided.
- the payment used for the management and payment of the payment means connected to each of the terminal used by the user and the site of the business operator connected to the terminal used by the user.
- an account management storage unit that receives and stores information necessary for performing payment using a payment means, the received information for each user, and a payment means using the information
- an account management function unit that manages a payment means that can be used by a certain user when there is a request for a payment process for the certain user from the operator's site.
- Settlement program for the settlement management function unit characterized by causing a computer to function as a payment device comprising a performed is provided.
- information necessary for settlement is stored in advance in the settlement apparatus, and since this settlement apparatus performs settlement on the operator site, information necessary for settlement is input and transmitted each time settlement is performed. A payment method that does not need to be performed can be realized.
- a user who performs payment using a payment means such as a credit card, electronic money, or points (hereinafter referred to as “user” as appropriate), and electronic commerce or the like in which the user purchases an article or content. It is used by a business operator (hereinafter referred to as “business business” as appropriate).
- the present embodiment includes a user terminal 100, a payment apparatus 200, an operator site 300, and a network 900.
- the user terminal 100, the payment apparatus 200, and the business operator site 300 are connected to each other via a network 900.
- the user terminal 100 is a terminal that a user uses for electronic commerce.
- the user terminal 100 may be realized by any device, for example, a personal computer or a mobile phone.
- the settlement apparatus 200 is an apparatus that performs settlement by providing a settlement function.
- the payment apparatus 200 is specifically a server or the like provided on the network by a company.
- the company site 300 is a site that conducts electronic commerce such as sales of goods and contents through a network.
- the operator site 300 is connected to each of the multi-payment system 100 and the user terminal 200 via the network 900.
- the company site 300 is actually realized by browsing a document on a network, for example, a Web server, using a Web browser that the user terminal 100 has.
- the network 900 is an Internet network, for example, but is not limited thereto. Further, the communication method with which the network 900 is compliant is not particularly limited. Also, whether the network 900 is a wired connection or a wireless connection is not particularly limited.
- This embodiment is to provide a settlement apparatus 200 that provides a settlement service to a site involving various settlements such as electronic commerce.
- the user registers payment means such as credit card information on the payment apparatus 200 in a virtual account on the system.
- the electronic money point virtual account prepared for settlement can be charged from other settlement means such as a credit card.
- a payment means which a user has for example, a credit card, electronic money, a point, a bank transfer etc. are mentioned, but this is only an example, and other payment means may be included. Moreover, it is not always necessary to include all of these examples.
- the user can have a virtual wallet (hereinafter referred to as “electronic wallet” as appropriate) on the payment apparatus 200 by having a plurality of accounts corresponding to the actual payment means on the payment apparatus 200. It is possible to pay by freely selecting a payment means registered in the electronic wallet at an electronic commerce site or the like using the payment function.
- a virtual wallet hereinafter referred to as “electronic wallet” as appropriate
- the user performs settlement for commercial transactions such as purchase of goods / contents at the company site 300.
- the operator site 300 performs redirection to the settlement apparatus 200 and performs settlement using a settlement function provided by the settlement apparatus 200.
- the user selects a payment means such as a credit card, electronic money, or points from a pre-registered electronic wallet and performs payment.
- the process returns to the operator site 300, and the user's payment is completed.
- the user registers his / her credit card information and electronic money information issued / managed by the settlement apparatus 200 in the electronic wallet on the system, and the electronic money is registered at various electronic commerce sites using the target system.
- payment can be made without entering payment information such as a credit card number.
- the settlement apparatus 200 includes a main storage device 210, an arithmetic processing device 220, a transmission / reception unit 230, an auxiliary storage device 240, a settlement management function unit 250, an account management function unit 261, an account management storage unit 262, a history management function unit 271, and a history management.
- a storage device 272 and a payment interface 280 are included.
- the main storage device 210 is a storage device represented by a RAM (Random Access Memory).
- the arithmetic processing device 220 is an arithmetic device represented by a CPU (Central (Processing ⁇ Unit) or the like, and performs arithmetic processing.
- the transmission / reception unit 230 is a part for performing communication via the network 900.
- the auxiliary storage device 140 is a storage device represented by an HDD (Hard disk drive) or an SSD (solid state drive), and stores various data and programs.
- HDD Hard disk drive
- SSD solid state drive
- the account management function unit 261, the payment management function unit 250, the history management function unit 271 and the payment interface 280 are unique to this embodiment.
- the arithmetic processing unit 120 reads a program (software) stored in the auxiliary storage device 140, and the read program and the main storage device 110. This is realized by performing arithmetic processing using.
- the settlement interface 280 is realized by a combination of hardware functioning as an interface and the above-described arithmetic processing.
- the account management storage device 262 and the history management storage device 272 are storage devices, and are realized by HDDs or SSDs, like the auxiliary storage device 140.
- the account management storage device 262, the history management storage device 272, and the auxiliary storage device 140 are illustrated as separate storage devices, but this is merely an example of the configuration.
- a configuration in which the account management storage device 262 and the history management storage device 272 are included in the auxiliary storage device 140 may be employed.
- either or both of the account management storage device 262 and the history management storage device 272 may be provided outside the settlement apparatus 200.
- either or both of the account management storage device 262 and the history management storage device 272 may be made redundant by a plurality of storage devices.
- Information stored in either or both of the account management storage device 262 and the history management storage device 272 may be encrypted and handled. The contents stored in the account management storage device 262 and the history management storage device 272 are described below.
- the account management function unit 261 can register and hold the payment means possessed by the user.
- the type of settlement means that can be registered here can be selected arbitrarily. In this explanation, it is assumed that there are credit cards, electronic money, points, and bank accounts.
- a plurality of types of payment means can be registered for each type of payment means such as credit card types a, b, c and electronic money types d, e, f.
- the settlement method information is held in the account management storage device 262.
- Value information such as electronic money is stored and managed in the account management storage device 262.
- the payment means for electronically recording values such as electronic money and points may be issued and managed by the payment apparatus 200.
- the payment management function unit 250 can perform payment processing using the payment means managed by the account management function unit 261. Some of the electronic money and points are managed with a value (hereinafter referred to as “value” as appropriate) that is electronically recorded, such as electronic money points and coupons, within the settlement apparatus 200. In some cases, the value is subtracted by the payment management function.
- value a value that is electronically recorded, such as electronic money points and coupons
- the history management function unit 271 the history of settlement can be accumulated and viewed.
- the history information is held in the history management storage device 272.
- the payment interface 280 provides an interface when an external connection such as a credit card is required.
- a credit card is connected to the credit card payment apparatus 200 through the payment interface 280 to perform payment. .
- the account management function unit 261 handles payment means information for each user, and manages and holds the payment means information associated with the user.
- Any number of payment methods can be registered for each user. Furthermore, a plurality of types can be registered even with the same type of settlement means. For example, in the case of a credit card, a plurality of credit cards with different credit card numbers can be registered, and similarly, electronic money and points can be registered with a plurality of different types of electronic money and points.
- the respective credit card numbers and bank account numbers are registered and managed.
- the value is managed by the account management function, and the value of electronic money and points is held inside the settlement apparatus 200.
- any payment means can be added to the payment apparatus 200, and the payment interface 280 is used to register information necessary for using the payment interface 280. This point will be specifically described.
- the payment management function unit 250 is connected to the payment interface 280.
- the payment interface 280 is connected to the external system 400.
- the payment interface 280 is used when connection with an external system is required, such as a credit card.
- an external system such as a credit card.
- the payment management function unit 250 accepts a payment processing request from the operator site 300, takes out the payment means designated by the target user from the account management function unit 261, and connects to the external system 400 through the payment interface 280. To execute the settlement process.
- the external system 400 is, for example, a server provided by a bank or a credit card issuing company. Further, from the viewpoint of security, it is preferable that the external system 400 is connected by a dedicated line.
- the settlement means it is possible to complete the settlement process only within the settlement apparatus 300.
- the payment processing can be completed only within the payment apparatus 300 without using the payment interface 280.
- value information such as electronic money, points, etc. recorded in the account management storage device 262 is operated through the account management function unit 261.
- the history management function unit 271 is instructed to record and write the target payment.
- the history management function unit 271 records a record of settlement by the settlement management function unit 250 for each user.
- the recorded contents are settlement date and time, settlement means, amount, target business operator, and the like.
- the history management function unit 271 outputs an arbitrary settlement record in response to a request. In other words, the business operator or the user can acquire / view an arbitrary settlement record through the history management function unit 271.
- the user terminal 100 will be described in detail with reference to FIG. In this case, it is assumed that the user terminal 100 is realized by a personal computer.
- the user terminal 100 includes a main storage device 110, an arithmetic processing device 120, a transmission / reception unit 130, an auxiliary storage device 140, an operation reception unit 150, and a display unit 160.
- the main storage device 110 is a storage device represented by a RAM.
- the arithmetic processing device 120 is an arithmetic device represented by a CPU or the like, and performs arithmetic processing.
- the transmission / reception unit 130 is a part for performing communication via the network 900.
- the auxiliary storage device 140 is a storage device represented by an HDD or an SSD, and stores various data and programs.
- the operation accepting unit 150 is a part that accepts input from the user. Specifically, the operation accepting unit 150 is connected to input devices such as a keyboard, a mouse, and a touch panel, and accepts input information from these input devices.
- the display unit 160 is connected to a display device for presenting information to a user such as a display, and displays information on the display device.
- FIG. 1 the operation of this embodiment will be described in detail with reference to the sequence diagrams of FIGS. 1 to 6 and FIGS. 7 and 8.
- FIG. 1 the sequence diagrams of FIGS. 1 to 6 and FIGS. 7 and 8.
- the user needs to register his / her payment information in the payment apparatus 200.
- the user uses the user terminal 100 to connect to the payment apparatus 200 via the network 900.
- the user requests the electronic wallet on the payment apparatus 200 to register payment means information such as a credit card number (step A11 in FIG. 7).
- the payment apparatus 200 Upon receiving the payment registration request from the user terminal 100, the payment apparatus 200 processes the request in the account management function unit 261 and stores the payment means information received from the user terminal 100 in the account management storage device 262 (FIG. 7). Step A12).
- the settlement apparatus 200 notifies the user terminal 100 that the registration of the settlement means information has been completed (step A13 in FIG. 7).
- the registration of payment method information is not limited to the method using the user terminal 100.
- the payment means information may be registered by an operator using a terminal provided in a bank or a credit company store.
- the user may register using a terminal other than the user terminal 100.
- the user uses the user terminal 100 to connect to the operator site 300 via the network.
- the user performs a settlement procedure for electronic commerce at the business operator site 300 (step A14 in FIG. 8).
- steps A11 to A13 in FIG. 7 can be omitted and electronic commerce can be started.
- one user may use a plurality of user terminals 100 properly.
- each operation described in FIG. 8 may be performed using a user terminal 100 different from the user terminal 100 that performed the operations in steps A11 to A13 in FIG.
- the payment means information may be registered with a personal computer, and the commercial transaction described below may be performed with a mobile phone.
- the business entity site 300 transmits payment information such as product information and the total payment amount to the payment apparatus 200 and requests payment processing (step A15 in FIG. 8).
- the provider site 300 restricts the payment means that can be used on its own site (for example, bank withdrawal cannot be used), that fact may also be transmitted.
- the settlement apparatus 200 returns the settlement process acceptance result to the business operator site 300 (step A16 in FIG. 8).
- the settlement process acceptance result is returned from the business operator site 300 to the user terminal 100, and the user terminal 100 connects to the settlement apparatus 200 by redirection.
- the user selects the payment means registered in steps A11 to A13 in FIG. 7 from the user's electronic wallet on the payment apparatus 200.
- the user confirms the payment process (step A17 in FIG. 8).
- the provider site 300 limits the payment means that can be used on its own site, it is a payment means that can be used on the provider site 300, and the user performs steps A11 to A11 in FIG.
- the payment means is selected from the payment means registered in A13.
- the settlement apparatus 200 performs credit processing (hereinafter, referred to as “authorization” as appropriate) as to whether a designated settlement is possible, such as confirmation of a balance and confirmation of a payable amount, with respect to a settlement method selected by the user. (Step A18 in FIG. 8).
- the settlement apparatus 200 transmits an authorization completion notice to the business operator site 300 (step A19 in FIG. 8).
- the payment apparatus 200 transmits an authorization failure notification to the business operator site 300 as in the case of success.
- the company site 300 that has received the authorization failure notification cancels the payment process and returns the result of the payment failure to the user terminal 100.
- the contents of the payment failure notification can be arbitrarily determined. For example, the notification may simply indicate that payment could not be made. Moreover, you may make it show the name of the payment means to which the authorization failed specifically, and the reason. The reason is, for example, insufficient balance of the user's payment means.
- the business operator site 300 Upon receiving the authorization completion notification from the settlement apparatus 200, the business operator site 300 performs the target settlement process with respect to the settlement apparatus 200 at an arbitrary timing when it is desired to confirm the settlement, for example, after the goods are shipped.
- the settlement confirmation process (hereinafter referred to as “confirm” as appropriate) is instructed (step A20 in FIG. 8).
- the payment apparatus 200 that has received the confirm instruction from the business operator site 300 performs a payment confirmation process for the target payment process. (Step A21 in FIG. 8).
- the settlement apparatus 200 transmits a confirmation completion notification to the business operator site 300 (step A22 in FIG. 8).
- the company site 300 Upon receipt of the confirmation of confirmation of completion, the company site 300 sends a payment completion notification to the user terminal 100 (step A23 in FIG. 8). Thereby, a series of settlement processes is completed.
- the first modification is characterized by the payment interface 280. Specifically, it is a feature that it can be connected to a plurality of external systems with a unified mechanism.
- the authorization confirmation processing is performed by connecting to the external system 400 through the payment interface 280. To achieve.
- a plurality of types of settlement interfaces 280 can be prepared, and the method for calling the settlement interface 280 from the settlement management function unit 250 is unified for all types of settlement interfaces.
- the calling process from the settlement interface 280 to each external system 400 has contents corresponding to each external system 400.
- the payment management function unit 250 can call a plurality of types of external systems 400 by a unified calling method. Therefore, by adding a payment interface as necessary, it is possible to add new payment means while suppressing the influence of the modification of the payment apparatus 200, and it is possible to cope with various payment methods. Become.
- the payment process can be canceled when the payment apparatus 200 is in the authorization completion state in steps A18 to A19 in FIG.
- step A19 in FIG. 8 the authorization completion notification is sent to the business operator site, and the authorization for the target settlement is completed.
- the settlement is not finalized and is in an authorized state.
- the company site 300 can cancel the authorization and cancel the settlement process.
- the payment apparatus 200 by the user giving an instruction to the payment apparatus 200 from the user terminal 100 until the payment is confirmed, the payment can also be canceled from the user side.
- the confirmation is not performed for a certain period, the authorization is expired and the settlement is similarly cancelled. Note that the length of the certain period can be arbitrarily determined.
- authorization confirmation can be continuously performed without any confirmation instruction from the operator site 300 in steps A18 to A22 of FIG.
- step A19 the authorization completion notification (step A19) from the settlement apparatus 200 to the business entity site 300 and the confirmation instruction (step A20) from the business entity site 300 to the settlement apparatus 200 are omitted. Confirmation is performed continuously after completion. In this way, a smooth settlement process is provided for a settlement that does not require a confirm operation, such as a settlement of a small amount of content.
- the authorization / confirm processing itself performs the same processing as steps A18 and A21 of the previous embodiment, and if the authorization fails, the authorization failure processing is executed in the same manner.
- the settlement apparatus 200 provides a settlement service to the business operator site 300, so that it is not necessary for the business operator site 300 to prepare a mechanism for performing a payment process at its own site. There is an effect.
- the user's payment means information such as credit card number, electronic money information, point information, coupon information, bank account, etc. is registered and managed in the payment apparatus 200, so that the user can make a payment.
- payment can be made by freely selecting a payment means from among them.
- the user uses the payment means registered in advance in the payment apparatus 200 at the company site 300 that uses the payment process of the payment apparatus 200, so that the input / registration of the payment means for each company site 300 is performed.
- the settlement process can be performed smoothly without performing.
- an apparatus that specifically realizes the user terminal 100 of the present embodiment is not particularly limited.
- the user terminal 100 when the user terminal 100 is realized by an IC card, an IC card and its reading terminal are essential.
- the user ID is not limited to the IC card, and a normal ID / password method can be used for user authentication. Therefore, for example, the user terminal 100 can be realized by a device such as a mobile phone.
- user information and payment information are stored on the payment apparatus 200, and important information such as a credit card number can be encrypted and stored. Therefore, once the payment information is registered, payment can be made if the user can be authenticated. Therefore, it is not necessary to record payment information in the user terminal 100, and information leakage can be prevented.
- the program unique to this embodiment has been described as being stored in advance in the settlement means management device.
- a program for operating the computer as all or part of the settlement means management apparatus or for executing the above-described processing is a flexible disk, a CD-ROM (Compact Disc-Read-Only Memory), a DVD (Digital Versatile). Disc), MO (Magneto Optical Disk (Disc)) BD (Blu-ray Disc), etc. are stored and distributed on a computer-readable recording medium, installed on another computer, and operated as the above-mentioned means. Or you may perform the above-mentioned process.
- the payment means management apparatus on the network using the electronic wallet can be realized by hardware, but the computer functions as a payment means management apparatus on the network using the electronic wallet. It can also be realized by a computer reading a program for executing the program from a computer-readable recording medium and executing the program.
- the payment means management method on the network by the electronic wallet can be realized by hardware, but the computer-readable recording program for causing the computer to execute the method It can also be realized by reading from the medium and executing it.
- An account management storage unit for receiving and storing information necessary for making a payment using a payment means; For each user, an account management function unit that links and manages the received information and a payment means that uses the information; When there is a payment processing request for a certain user from the operator's site, the payment means that can be used by the certain user is specified using the account management function unit, and the specified payment means A payment management function unit for performing a payment process by the selected payment means using the necessary information associated with the payment means selected by the certain user from among;
- a settlement apparatus comprising:
- Appendix 2 In the settlement apparatus described in Appendix 1, The settlement process performed by the settlement management function unit is performed in two stages, a credit process and a settlement confirmation process, and notifies the operator site that the credit process is completed at the end of the credit process.
- a settlement apparatus that performs the settlement confirmation processing after receiving an instruction to perform the settlement confirmation processing from the business operator site that has received the notification.
- Appendix 3 In the settlement apparatus described in Appendix 1, The settlement process performed by the settlement management function unit is performed in two stages, a credit process and a settlement confirmation process, and during or after the execution of the credit process, from the operator site or a terminal used by the user, When the settlement process is canceled, the settlement apparatus that has already been subjected to the credit process is returned to a state in which the credit process is not performed by performing a rollback.
- Appendix 4 In the settlement apparatus according to any one of appendices 1 to 3, A plurality of settlement interfaces for requesting a part or all of the settlement processing to an external system in accordance with an instruction from the settlement management function unit; The settlement apparatus characterized in that the method of instructing the plurality of settlement interfaces is the same method unified for all settlement interfaces.
- the settlement means that can be selected by the certain user is the settlement means to which the certain user has transmitted the necessary information, and the provider site that has requested settlement processing for the certain user.
- a payment device which is a payment means usable in
- a history management storage unit that stores information when the settlement process is performed as history information; For each user, the history information is managed, and a history management function unit that outputs the history information in response to a request;
- a settlement apparatus further comprising:
- a payment management system in which a terminal used by a user, a site of a business operator connected to the terminal used by the user, and a payment device that manages and settles payment means are connected to each other
- the terminal used by the user is Transmitting information necessary for making a payment using a payment means to the payment apparatus, and when performing a commercial transaction at the business operator site, specifying the payment means for the payment apparatus,
- the operator's site requests the payment device to perform part or all of the payment processing at the operator site
- the payment apparatus is the payment apparatus according to any one of appendices 1 to 6, A payment system characterized by that.
- An account management storage unit for receiving and storing information necessary for making a payment using a payment means; For each user, an account management function unit that links and manages the received information and a payment means that uses the information; When there is a payment processing request for a certain user from the operator's site, the payment means that can be used by the certain user is specified using the account management function unit, and the specified payment means A payment management function unit for performing a payment process by the selected payment means using the necessary information associated with the payment means selected by the certain user from among; A payment program for causing a computer to function as a payment apparatus.
- the settlement means that can be selected by the certain user is the settlement means to which the certain user has transmitted the necessary information, and the provider site that has requested settlement processing for the certain user.
- a history management storage unit that stores information when the settlement process is performed as history information; For each user, the history information is managed, and a history management function unit that outputs the history information in response to a request;
- a settlement program further comprising:
- the present invention is suitable for the electronic payment market in the Internet network, mobile network network, next-generation network network, and the like. Further, it is suitable for the electronic money point settlement market using a reader / writer or the like. For example, it is suitable for fields such as electronic malls, EC (Electronic commerce) sites, and remittances.
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Abstract
Description
110 主記憶装置
120 演算処理装置
130 送受信部
140 補助記憶装置
150 操作受付部
160 表示部
200 決済装置200
210 主記憶装置
220 演算処理装置
230 送受信部
240 補助記憶装置
250 決済管理機能部
261 口座管理機能部
262 口座管理記憶装置
271 履歴管理機能部
272 履歴管理記憶装置
280 決済インターフェース
300 事業者サイト
400 外部システム
900 ネットワーク
次に、上述した実施形態を一部変形した第1の変形例について説明をする。
次に、上述した実施形態を一部変形した第1の変形例について説明をする。
次に、上述した実施形態を一部変形した第1の変形例について説明をする。
決済手段を用いた決済を行うために必要な情報を受け付けて記憶する口座管理記憶部と、
前記ユーザ毎に、前記受け付けた情報と、当該情報を用いる決済手段と、を紐付けて管理する口座管理機能部と、
前記事業者のサイトから、或るユーザについての決済処理の依頼があった場合に、当該或るユーザが利用できる決済手段を、前記口座管理機能部を用いて特定し、当該特定した決済手段の中から当該或るユーザが選択した決済手段に紐付けられている前記必要な情報を用いて前記選択した決済手段による決済処理を行なう決済管理機能部と、
を備えることを特徴とする決済装置。
前記決済管理機能部が行う前記決済処理は、与信処理と、決済確定処理の二段階に分けて行われ、前記与信処理終了時に前記事業者サイトに対して前記与信処理が終了した旨を通知し、当該通知を受けた事業者サイトから前記決済確定処理を実施するように指示を受けてから、前記決済確定処理を実施することを特徴とする決済装置。
前記決済管理機能部が行う前記決済処理は、与信処理と、決済確定処理の二段階に分けて行われ、前記与信処理の実施中又は実施後に、前記事業者サイト又はユーザの使用する端末から、前記決済処理のキャンセルがあった場合は、既に与信処理が行われている決済手段についてはロールバックを行うことにより前記与信処理が行われていない状態に戻すことを特徴とする決済装置。
前記決済管理機能部の指示に応じて、外部のシステムに対して決済処理の一部又は全部を依頼するための決済インターフェースを更に複数備えており、
前記複数の決済インターフェースに対する前記指示の方法は、決済インターフェースの全てについて統一されている同一の方法であることを特徴とする決済装置。
前記或るユーザが前記選択できる決済手段は、前記或るユーザが前記必要な情報を送信してある決済手段であって、且つ、前記或るユーザについての決済処理の依頼をした前記事業者サイトで使用可能な決済手段、であることを特徴とする決済装置。
前記決算処理を行った際の情報を履歴情報として記憶する履歴管理記憶部と、
前記ユーザ毎に、前記履歴情報を管理しており、要求に応じて前記履歴情報を出力する履歴管理機能部と、
を更に備えることを特徴とする決済装置。
前記ユーザの使用する端末は、
前記決済装置に対して決済手段を用いた決済を行うために必要な情報を送信し、前記事業者サイトにおいて商取引を行う場合に、前記決済装置に対して決済手段を指定し、
前記事業者のサイトは、当該事業者サイトにおける決済処理の一部又は全部を前記決済装置に依頼し、
前記決済装置は、付記1乃至6の何れか1項に記載の決済装置である、
ことを特徴とする決済システム。
決済手段を用いた決済を行うために必要な情報を受け付けて記憶する口座管理記憶部を用意するステップと、
前記ユーザ毎に、前記受け付けた情報と、当該情報を用いる決済手段と、を紐付けて管理する口座管理機能ステップと、
前記事業者のサイトから、或るユーザについての決済処理の依頼があった場合に、当該或るユーザが利用できる決済手段を、前記口座管理機能ステップを行うことにより特定し、当該特定した決済手段の中から当該或るユーザが選択した決済手段に紐付けられている前記必要な情報を用いて前記選択した決済手段による決済処理を行なう決済管理機能ステップと、
を備えることを特徴とする決済方法。
決済手段を用いた決済を行うために必要な情報を受け付けて記憶する口座管理記憶部と、
前記ユーザ毎に、前記受け付けた情報と、当該情報を用いる決済手段と、を紐付けて管理する口座管理機能部と、
前記事業者のサイトから、或るユーザについての決済処理の依頼があった場合に、当該或るユーザが利用できる決済手段を、前記口座管理機能部を用いて特定し、当該特定した決済手段の中から当該或るユーザが選択した決済手段に紐付けられている前記必要な情報を用いて前記選択した決済手段による決済処理を行なう決済管理機能部と、
を備える決済装置としてコンピュータを機能させることを特徴とする決済プログラム。
前記決済管理機能部が行う前記決済処理は、与信処理と、決済確定処理の二段階に分けて行われ、前記与信処理終了時に前記事業者サイトに対して前記与信処理が終了した旨を通知し、当該通知を受けた事業者サイトから前記決済確定処理を実施するように指示を受けてから、前記決済確定処理を実施することを特徴とする決済プログラム。
前記決済管理機能部が行う前記決済処理は、与信処理と、決済確定処理の二段階に分けて行われ、前記与信処理の実施中又は実施後に、前記事業者サイト又はユーザの使用する端末から、前記決済処理のキャンセルがあった場合は、既に与信処理が行われている決済手段についてはロールバックを行うことにより前記与信処理が行われていない状態に戻すことを特徴とする決済プログラム。
前記決済管理機能部の指示に応じて、外部のシステムに対して決済処理の一部又は全部を依頼するための決済インターフェースを更に複数備えており、
前記複数の決済インターフェースに対する前記指示の方法は、決済インターフェースの全てについて統一されている同一の方法であることを特徴とする決済プログラム。
前記或るユーザが前記選択できる決済手段は、前記或るユーザが前記必要な情報を送信してある決済手段であって、且つ、前記或るユーザについての決済処理の依頼をした前記事業者サイトで使用可能な決済手段、であることを特徴とする決済プログラム。
前記決算処理を行った際の情報を履歴情報として記憶する履歴管理記憶部と、
前記ユーザ毎に、前記履歴情報を管理しており、要求に応じて前記履歴情報を出力する履歴管理機能部と、
を更に備えることを特徴とする決済プログラム。
Claims (9)
- ユーザの使用する端末と、前記ユーザの使用する端末と接続されている事業者のサイトと、の各々と接続され、決済手段の管理及び決済を行う決済装置において、
決済手段を用いた決済を行うために必要な情報を受け付けて記憶する口座管理記憶部と、
前記ユーザ毎に、前記受け付けた情報と、当該情報を用いる決済手段と、を紐付けて管理する口座管理機能部と、
前記事業者のサイトから、或るユーザについての決済処理の依頼があった場合に、当該或るユーザが利用できる決済手段を、前記口座管理機能部を用いて特定し、当該特定した決済手段の中から当該或るユーザが選択した決済手段に紐付けられている前記必要な情報を用いて前記選択した決済手段による決済処理を行なう決済管理機能部と、
を備えることを特徴とする決済装置。 - 請求項1に記載の決済装置において、
前記決済管理機能部が行う前記決済処理は、与信処理と、決済確定処理の二段階に分けて行われ、前記与信処理終了時に前記事業者サイトに対して前記与信処理が終了した旨を通知し、当該通知を受けた事業者サイトから前記決済確定処理を実施するように指示を受けてから、前記決済確定処理を実施することを特徴とする決済装置。 - 請求項1に記載の決済装置において、
前記決済管理機能部が行う前記決済処理は、与信処理と、決済確定処理の二段階に分けて行われ、前記与信処理の実施中又は実施後に、前記事業者サイト又はユーザの使用する端末から、前記決済処理のキャンセルがあった場合は、既に与信処理が行われている決済手段についてはロールバックを行うことにより前記与信処理が行われていない状態に戻すことを特徴とする決済装置。 - 請求項1乃至3の何れか1項に記載の決済装置において、
前記決済管理機能部の指示に応じて、外部のシステムに対して決済処理の一部又は全部を依頼するための決済インターフェースを更に複数備えており、
前記複数の決済インターフェースに対する前記指示の方法は、決済インターフェースの全てについて統一されている同一の方法であることを特徴とする決済装置。 - 請求項1乃至4の何れか1項に記載の決済装置において、
前記或るユーザが前記選択できる決済手段は、前記或るユーザが前記必要な情報を送信してある決済手段であって、且つ、前記或るユーザについての決済処理の依頼をした前記事業者サイトで使用可能な決済手段、であることを特徴とする決済装置。 - 請求項1乃至5の何れか1項に記載の決済装置において、
前記決算処理を行った際の情報を履歴情報として記憶する履歴管理記憶部と、
前記ユーザ毎に、前記履歴情報を管理しており、要求に応じて前記履歴情報を出力する履歴管理機能部と、
を更に備えることを特徴とする決済装置。 - ユーザの使用する端末と、前記ユーザの使用する端末と接続されている事業者のサイトと、決済手段の管理及び決済を行う決済装置と、が相互に接続されている決済管理システムにおいて、
前記ユーザの使用する端末は、
前記決済装置に対して決済手段を用いた決済を行うために必要な情報を送信し、前記事業者サイトにおいて商取引を行う場合に、前記決済装置に対して決済手段を指定し、
前記事業者のサイトは、当該事業者サイトにおける決済処理の一部又は全部を前記決済装置に依頼し、
前記決済装置は、請求項1乃至6の何れか1項に記載の決済装置である、
ことを特徴とする決済システム。 - ユーザの使用する端末と、前記ユーザの使用する端末と接続されている事業者のサイトと、の各々と接続され、決済手段の管理及び決済を行う決済装置が行う、決済方法において、
決済手段を用いた決済を行うために必要な情報を受け付けて記憶する口座管理記憶部を用意するステップと、
前記ユーザ毎に、前記受け付けた情報と、当該情報を用いる決済手段と、を紐付けて管理する口座管理機能ステップと、
前記事業者のサイトから、或るユーザについての決済処理の依頼があった場合に、当該或るユーザが利用できる決済手段を、前記口座管理機能ステップを行うことにより特定し、当該特定した決済手段の中から当該或るユーザが選択した決済手段に紐付けられている前記必要な情報を用いて前記選択した決済手段による決済処理を行なう決済管理機能ステップと、
を備えることを特徴とする決済方法。 - ユーザの使用する端末と、前記ユーザの使用する端末と接続されている事業者のサイトと、の各々と接続され、決済手段の管理及び決済を行う決済装置に組み込まれる決済プログラムにおいて、
決済手段を用いた決済を行うために必要な情報を受け付けて記憶する口座管理記憶部と、
前記ユーザ毎に、前記受け付けた情報と、当該情報を用いる決済手段と、を紐付けて管理する口座管理機能部と、
前記事業者のサイトから、或るユーザについての決済処理の依頼があった場合に、当該或るユーザが利用できる決済手段を、前記口座管理機能部を用いて特定し、当該特定した決済手段の中から当該或るユーザが選択した決済手段に紐付けられている前記必要な情報を用いて前記選択した決済手段による決済処理を行なう決済管理機能部と、
を備える決済装置としてコンピュータを機能させることを特徴とする決済プログラム。
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US11507944B2 (en) | 2010-12-17 | 2022-11-22 | Google Llc | Digital wallet |
CN102521747A (zh) * | 2011-12-05 | 2012-06-27 | 中国联合网络通信集团有限公司 | 电子钱包账户绑定方法、业务处理方法、装置及系统 |
JP2017534125A (ja) * | 2014-11-11 | 2017-11-16 | ボタン インコーポレイテッド | 状況的電子商取引ショッピングカート調節 |
US10497046B2 (en) | 2014-11-11 | 2019-12-03 | Button, Inc. | Contextual ecommerce shopping cart adjustment |
CN107305673A (zh) * | 2016-04-18 | 2017-10-31 | 阿里巴巴集团控股有限公司 | 一种订单处理方法和装置 |
KR20180131623A (ko) * | 2016-04-18 | 2018-12-10 | 알리바바 그룹 홀딩 리미티드 | 주문 처리 방법 및 장치 |
KR102223130B1 (ko) * | 2016-04-18 | 2021-03-08 | 어드밴스드 뉴 테크놀로지스 씨오., 엘티디. | 주문 처리 방법 및 장치 |
US10970720B2 (en) | 2016-04-18 | 2021-04-06 | Advanced New Technologies Co., Ltd. | Order processing method and device |
KR20190018345A (ko) * | 2017-08-14 | 2019-02-22 | 삼성전자주식회사 | 비용 정산 시스템 및 그 방법 |
KR102494014B1 (ko) * | 2017-08-14 | 2023-01-31 | 삼성전자주식회사 | 비용 정산 시스템 및 그 방법 |
Also Published As
Publication number | Publication date |
---|---|
EP2579195A1 (en) | 2013-04-10 |
EP2579195A4 (en) | 2014-02-05 |
JPWO2011148873A1 (ja) | 2013-07-25 |
CN102918553A (zh) | 2013-02-06 |
US20130060682A1 (en) | 2013-03-07 |
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