JP2001028025A - System and method for payment management, and recording medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a payment management system which makes it possible to select a way of payment out of various paying methods as a customer desires and standardize the procedure as much as possible. SOLUTION: This system has a customer information storage means 2 wherein at least account information and identification information of a user A are registered as customer information, a matching means 3 which receives the identification information from the user A when the user A gains access and collates it with identification information in the customer information storage means 2, a data adjusting means 4 which receives payment request information sent out from the user when matched collation is made and generates payment data according to the protocol of the paying method included in the payment request information, and a paying means 5 which carries out a paying process by referring to the customer information in the customer information storage means 2 according to the generated payment data.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement management system which enables an individual customer or a corporate customer to make a settlement on a network.
The present invention relates to a settlement management method and a recording medium.

[0002]

2. Description of the Related Art In recent years, the use of electronic shopping on the Internet has increased, and electronic commerce between companies has become full-scale. Various payment methods are provided, such as performing payments by using.

[0003] Usually, a specific settlement method is determined for each such individual transaction, and the payer performs a settlement procedure according to the individual settlement method.

[0004]

[0005] In the case of settlement by account transfer or credit card, information such as an account number, a credit card number and a personal identification number (password) must be sent on the net each time a transaction is made. Although it is convenient, it poses a major security problem. In this respect, a method that is easy to use is a method of delivering goods in exchange for payment using a home delivery service. The same can be done at a convenience store, but sometimes it is used only for payment.

[0005] Normally, even if payment is made by account transfer, credit card, or the like, depending on the type of transaction (whether it is sales involving distribution or transactions involving transmission / reception of data on the Internet) or the partner of the transaction, the transaction may not be possible. In some cases, it is more convenient to be able to settle by changing the settlement method. For example, if it is a merchandise transaction and you are dealing with the other party for the first time, PO at the convenience store will be better than fund transfer or credit card settlement.
Using an S terminal or a courier service to settle the method of delivering the product at the same time as the payment is less likely to cause an Internet fraud. In addition, if a similar settlement method is used, the risk of the seller being unable to collect the receivable is reduced.

[0006] However, if the transaction is made continuously, and the transaction is settled by the above settlement method each time the transaction is made,
The complexity is more of an issue than the security of the transaction. In other words, from the viewpoint of using these settlement methods, the settlement method is different for each transaction, and if the settlement procedure corresponding to the settlement method must be taken, the complexity cannot be denied.

[0007] The present invention has been made in view of the above-described problems, and it is possible to freely select a payment method from a variety of payment methods according to the needs of customers at each time, and the procedure is as follows. It is an object of the present invention to provide a payment management system, a payment management method, and a recording medium that can make payment in a unified manner as much as possible.

[0008]

A payment management system according to the present invention comprises a customer information storage means for registering at least customer account information and customer identification information as customer information; In response to the access, the collation means for receiving the personal identification information from the customer side and collating it with the personal identification information in the customer information storage means, and the settlement commission sent from the customer side when the collation matches. Receiving the information, the data adjustment means for creating payment data according to the protocol of the payment method included in the payment commission information, and referring to the customer information in the customer information storage means in accordance with the created payment data, It has a basic feature of having a settlement means for executing processing.

In the above configuration, the customer information storage means includes:
User identification information such as user IDs and passwords (of course, there is no particular limitation, such as individual information by sensor identification such as fingerprint information of the user, iris information of the eyeball, blood vessel information protruding from the back of the hand), and customer information By registering in advance, it is possible to log in to this system in a unified manner.

Similarly, by registering the customer's account information in the customer information storage means as customer information in advance, when the customer selects, the transfer processing from the account registered in the account information, Credit card payments and other services can now be used, making it easier to operate customers and eliminating the need to enter an account PIN or credit card number every time a transaction is made, improving transaction security. Become.

The personal identification information and the account information included in the customer information are stored and managed in a single file, and are managed as separate files by associating the information. It may be done.

Of course, in the present configuration, after logging in to the system in a unified manner, in addition to using the above-described transfer processing from a registered account, credit card settlement, etc. (For example, payment processing at a convenience store, cash-on-delivery processing at a courier service, and overseas remittance agent processing, which will be described later), the customer can freely select and execute.

For this reason, in this configuration, a processing sequence of a payment method that can be processed is registered in advance, and when the payment method is selected in the payment entrustment information transmitted from the customer side, input of necessary data is performed. (In addition to the case where the customer inputs manually, for example, the case where purchase / payment information prepared without the customer's awareness at the seller's site accessed by the customer is transferred to the system side) Meanwhile, the data adjustment unit creates the settlement data according to the protocol of the settlement method, and the settlement unit executes the settlement method according to the processing sequence.

In the case of using a settlement method that does not use the account information as the settlement method included in the settlement commission information sent from the customer side, it is necessary to input items necessary for the settlement method in the settlement commission information. For example, the name and address of the customer should be registered in advance in the customer information storage means as customer information when using settlement by home delivery.

[0015] The above is the payment side (buyer side)
However, the configuration of the present invention is not limited to the merits on the payment side. The seller side (that is, the billing side) that provides goods and services can also function effectively. That is, when it becomes necessary to make a payment, the billing side (the seller side) guides the payment side to access the system (by changing the link of the payment side). Payment destination at the time of settlement can be fixed to the pre-registered billing side (seller's account etc.),
Receivable payment can be reliably collected and payment settlement history data can be returned at the end of payment so that accounts receivable can be cleared.

However, in the present system, when login is permitted as described above, personal identification information is required.
In such a case, since the identity verification of the price paying side is usually performed, the price requesting side cannot enjoy the above benefits unless the identity verification of the price paying side is possible. In order to be able to enjoy the benefit of the billing party, the billing party registers his / her customer information in advance in the customer information storage means, and the billing party accesses the system (link destination). Has been changed), the person who pays the price voluntarily inputs the personal identification information into the system, or the billing side replaces the payment management system,
Confirm the identity of the payer in advance, and when the payer accesses the system (changes the link), does the claimer transfer the identity information of the payer to the system? Alternatively, on the premise that the billing party provides a guarantee for the payment of the billing party, the identity verification information relating to the billing party is transferred to the system, the identity verification is completed, and the billing is performed as customer account information. Register the account information on the billing side, set the account information as the account information of the payment transfer (payment) destination (seller side), etc. (when using the account information as the payment transfer destination account),
The settlement consignment information sent from the side includes an instruction such that the payment transfer (payment) destination on the price paying side is the account on the billing side (the instruction may be registered in the settlement consignment information by default). It is possible when you are.

With the above configuration, once the customer logs in to the present system, the customer can freely select a settlement method, and if the settlement commission information includes at least the settlement amount and the payee information, the settlement is performed. Depending on the method, just selecting it will automatically complete the payment process.

From the viewpoint of the customer on the billing side, the present system will perform the collection of accounts receivable as described above, and further, the present system receives payment information by any of the above-mentioned settlement methods. Thus, in the present settlement management system, even the receivable clearing process can be easily performed (see claim 4 described later).

Further, when the credit card payment is selected, if the payment processing instruction includes an instruction for authenticating the customer on the payment side, the authentication is performed on behalf of the billing side. This further contributes to the convenience of the operation of the billing customer.

On the other hand, the configuration described in claim 2 defines a configuration in which account transfer is substantially performed in the payment agency processing by the present system, which can be executed while selecting a payment method in a unified procedure. That is, in this configuration,
As a settlement method included in the settlement consignment information, a temporary account (temporarily provided for account transfer in the present settlement management system or for account transfer in an external settlement institution) by an account transfer based on the account information included in the account information of the customer. It is instructed to deposit the deposit into the account already provided) and transfer the deposit to the transfer destination account included in the settlement commission information. Substantial transfer from the account to the target transfer destination account is possible without logging in to the account.

Further, according to the third aspect of the present invention, an instruction to delete the previously created settlement data is sent to the settlement means based on the cancellation information included in the settlement commission information received later. Or the data for deleting the payment data is created and the deleted data is sent to the payment means, and the payment processing is canceled based on the data. The settlement process can be stopped. Since the settlement process can be stopped in this way, a system that is easy for the customer to use is provided.

In addition, the data adjusting means may manage the settlement commission information and execute a process of clearing the settlement commission information when receiving a notice that the settlement is completed. If it is made possible, for example, the receivables clearing process is automatically performed on the settlement management system, and the processing burden on the billing side can be reduced.

Each of the means constituting the settlement management system may be incorporated in one structure (such as a stand-alone computer), but is not limited to this. A plurality of computers (such as a web server and an application server) constituting the above are distributed and provided with the respective means, and the processing of the above means is distributed among them (via an appropriate communication configuration if necessary). It may be performed.

The configurations of claims 6 to 8 define the above configuration as a settlement method.

According to a sixth aspect of the present invention, the configuration corresponding to the first aspect is defined as a settlement management method.
Specifically, in response to access from the customer side, receiving the personal identification information from the customer side and collating it with the pre-registered personal identification information; Receiving the settlement commission information transmitted from the server and creating settlement data according to the protocol of the settlement method included in the settlement commission information, and referring to the customer information registered in advance according to the created settlement data. And performing a settlement process.

[0027] The configuration of claim 7 is a configuration in which the configuration corresponding to claim 2 is defined as a payment management method. The specific configuration is that the payment method included in the payment entrustment information is a customer account information. The method is characterized in that a method of depositing a deposit in a temporary account by an account transfer based on account information included in the settlement information and transferring the deposit to a transfer destination account included in the settlement commission information is instructed.

[0027] An eighth aspect of the present invention defines the configuration corresponding to the third aspect as a settlement management method. The specific configuration is based on cancellation information included in the settlement commission information received later. In this case, an instruction to delete the payment data created previously is issued, or data for deleting the payment data is created and output, and the payment processing is canceled based on the instruction.

According to a tenth to a fourteenth aspect, a computer-executable program is stored on a recording medium for causing a computer to execute the configuration according to the first to fifth aspects. ing. That is, as a configuration for solving the above-described problem, a recording medium that stores a program that can be read and executed by the computer and that realizes each of the above-described units by using the configuration of the computer is disclosed. Of course, it goes without saying that these configurations may be provided not only as the configuration of the recording medium but also as a program that achieves the same function. In this case, the computer may include a general-purpose computer configuration including a configuration of a central processing unit, and may include a dedicated machine or the like dedicated to a specific process.
There is no particular limitation as long as it has the configuration of the central processing unit.

When a program for causing a computer to function as each of the above means is read out from such a recording medium by the computer, the same configuration as each of the means defined in the first to fifth aspects is realized. Will be.

With this recording medium, this can be easily distributed and sold as a software product. Further, by using this software using existing hardware resources, the system of the present invention as a new application can be easily executed on existing hardware. In addition to the configuration of such a recording medium, the configuration of an internal storage device such as a RAM or a ROM, or the configuration of an external storage device such as a hard disk, may also be stored in such a program if such a program is recorded therein. Needless to say, it is included in the medium.

Some of the functions of the means described in claims 10 to 14 may be functions incorporated in a computer (functions incorporated in a computer in terms of hardware may also be incorporated in the computer. The program may be a function realized by an operating system or another application program.) The program recorded on the recording medium includes an instruction to call or link a function achieved by the computer. May be.

In this case, a part of each means defined in claims 1 to 5 is substituted by a part of a function achieved by, for example, an operating system, and the function is realized in a recording medium. Programs or modules are not directly recorded, but if some of the functions of the operating system that achieve those functions are called or linked,
This is because they have substantially the same configuration.

The structure of claim 10 is the same as that of claim 1
The specific configuration is a customer information storage means for registering at least the customer's account information and the customer's identity confirmation information as customer information, and an access from the customer side. In response to this, the verification means for receiving the personal identification information from the customer side and comparing it with the personal identification information in the customer information storage means, and the settlement commission information sent from the customer side when the verifications match. And a data adjustment unit for creating payment data in accordance with a payment method protocol included in the payment commission information, and referring to the customer information in the customer information storage unit in accordance with the created payment data, to perform a payment process. This is a computer-readable recording medium that stores a program that functions as a settlement unit to be executed.

The configuration of claim 11 is a configuration corresponding to the configuration of claim 2, and the specific configuration is such that when the computer functions as data adjustment means, the settlement commission information received by the data adjustment means As the settlement method included, the method of depositing the deposit in a temporary account by account transfer based on the account information included in the customer's account information, and transferring the deposit to the transfer destination account included in the settlement commission information is instructed. It is characterized by being.

A twelfth aspect of the present invention is a configuration corresponding to the third aspect of the present invention. Specifically, when the computer functions as the data adjustment means and the settlement means, the computer receives the settlement commission information received later. Based on the cancellation information included in the above, the data adjustment means is caused to send an instruction to delete the previously created payment data to the payment means, or to create the data to delete the payment data and delete the deletion data The payment means is sent to the payment means, and the payment processing is canceled based on the transmission.

The configuration of claim 13 is a configuration corresponding to the configuration of claim 4, and the specific configuration is such that when the computer functions as data adjustment means, the data adjustment means transmits the settlement entrustment information. It is characterized in that, when it receives a notification that the payment has been completed, it performs a process of clearing the payment entrustment information.

The structure of claim 14 is a structure corresponding to the structure of claim 5, and the concrete structure is that the computer is constituted by a plurality of computers constituting a network, and the processing by each means is It is characterized in that it is set in a program so that distributed processing is performed in those computers.

[0038]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 shows a case where, when a user A makes an online shopping at a specific electronic shopping site S on the Internet 400, payment of the shopping is performed using the settlement management system 1 according to the present invention. It is a conceptual diagram which shows the whole framework.

As shown in FIG. 1, the user A has a personal computer 300, and gives predetermined connection destination information (URL information) to the personal computer 300 by a browser 301 functioning as information browsing means. Alternatively, by acquiring such connection destination information at a predetermined portal site, it is possible to connect to the web server 200 of the electronic shopping site S via the Internet 400. Here, by connecting the browser 301 of the personal computer 300 to the web server 200, in the electronic shopping site S, the user A can purchase products and services provided there.

The web server 200 can transmit necessary data and instructions to another application server 220 for arranging delivery of goods purchased by the user A and provision of services. I have. It also manages shopping information (order number, type of purchased product / purchase service, unit price, quantity, total purchase price, etc.) of user A, and among these data, arranges delivery of purchased products and provision of services. The server transmits the order number, the type of purchased product / purchased service, the quantity, the destination to which the product of the user A is delivered or the service provided, etc. to the application server 220,
20 can receive data relating to the progress of the arrangement.

On the other hand, this web server 200
Has a function of partially controlling the browser 301 on the personal computer 300. That is, when the user A selects the settlement method using the settlement management system 1 at the stage where the settlement is performed after the online shopping, the browser 301 communicates with the browser 301 with a part of the settlement management system 1. The connection destination information about the web server 100 is provided so that the browser 301 can automatically connect to the payment management system 1.

When the connection destination is changed, data such as an order number, a payment amount corresponding to the total purchase amount of the purchased merchandise / purchase service in the shopping information of the user A, and data allocated in advance by the present payment management system. A browser 301 for transmitting the company code of the electronic shopping site S (or transferee account information) as part of the settlement commission information following the connection destination information from the browser 301 to the settlement management system 1 side. Control function. These functions can be achieved by utilizing CGI.

FIGS. 2 and 3 show a web server 100 and an authentication server 12 in which the settlement management system 1 of the present invention is configured.
0 and an apparatus outline and a functional block configuration of the application server 130.

As shown in FIG. 2, the web server 10
0, authentication server 120 and application server 13
0 are connected via the system bus 101.
CPU 102, internal storage devices such as RAM 103 and ROM 104, hard disk drive 105 and CD-RO
An ordinary storage device including an external storage device such as an M drive 106, a specific communication device 107 including a dedicated line connection adapter to the Internet, an input device such as a keyboard 108 and a mouse 109, and an output device such as a display 110 and a printer 111. The system bus 10
Necessary data and instructions are exchanged between them via the communication device 1.

The application server 130
Is connected to an external clearing house so that transfer processing and other processing via Zengin EDI or the like can be performed as necessary.

Further, the web server 200 of the electronic shopping site S and the personal computer 300 of the user A have substantially the same configuration, and the details are omitted here.

As shown in FIG. 3, the present settlement management system 1 is configured on the web server 100, the authentication server 120, and the application server 130. That is, the configuration of the payment management system 1 includes a customer information storage unit 2, a collation unit 3, a data adjustment unit 4, and a payment unit 5.

The customer information storage means 2 comprises a hard disk drive of the application server 130 and stores customer information. As shown in FIG. 4, the customer information includes personal identification information including a customer ID and a password, and account information (financial institution name / branch number / account type / account number / password / transfer source) set in the financial institution. / Account information including credit card information (card issuing institution name, card number, expiration date, personal identification number, etc.), as well as name, address, destination, TEL / FAX number, mail address, etc. are registered. Is done.

In this embodiment, the customer identification information and the account information and other information are managed together in the customer information storage means 2 as the customer information. It goes without saying that the files may be stored and managed as separate files.

The collation means 3 is provided with the authentication server 120
In response to access from the user A side, the user A side receives a customer ID, which is personal identification information.
And a password, and has a function of collating with the personal identification information in the customer information storage means 2 on the application server 130.

That is, when the user A accesses the web server 100 due to the change of the link destination, the web server 100 first sends the user A
Prompts for D and password, and responds to user A
When the web server 100 inputs these, the web server 100 transfers it to the verification unit 3 of the authentication server 120. Upon receipt of the request, the matching means 3 sends the application server 13
The personal identification information registered in the customer information storage means 2 on the server 0 is searched. If the collation result matches the one registered in the customer information storage means 2, the collation result is sent, and the web server 100 permits the user A to log in based on the collation result. If they do not match, the web server 100 prompts the user A to enter the personal identification information several times, but if they still do not match, the matching result is sent, and the web server 100 logs in the user A based on the matching result. Cut off.

The data adjusting means 4 stores the CPU of the application server 130, a RAM for providing a work area thereof, and a protocol conversion table 40 prepared for protocol conversion, which will be described later, and manages payment entrustment information. Receiving a result of the matching by the matching means 3, receiving the settlement commission information sent from the user A side, and executing the settlement method included in the settlement commission information. It has a function to create payment data according to the protocol.

That is, the web server 200 changes the connection destination of the browser 301 on the personal computer 300 of the user A to the web server 100 of the settlement management system 1, and when the connection destination is changed, the connection destination information is changed. As shown in FIG. 5, as part of the following settlement commission information, among the shopping information of the user A, data such as an order number, a settlement amount corresponding to the total purchase amount of the purchased merchandise / purchase service, and a transfer destination Account information and the like are sent to the web server 100 side. In addition, when the user A logs in to the web server 100, a message prompting the user to select a payment method is displayed. In response, the user A selects a payment method (manual input). The information is also transferred to the data adjustment means 4 as settlement commission information. Similarly, when payment is desired, or when payment at a convenience store or cash on delivery service is selected by the above-mentioned payment method, it is possible to additionally input necessary information and the like. In this case, the data is similarly input to the data adjustment means 4 as settlement commission information.

On the other hand, the data adjustment means 4 includes a protocol conversion table 40 for protocol conversion, which defines the type of data and the type of data after conversion according to the type.
Is prepared, and the payment data is created by referring to the protocol conversion table 40 based on the payment commission information. In other words, here, the data collected as described above has a data format structure suitable for processing of each settlement method, and when data transfer is involved, data conversion processing adapted to each communication protocol is performed. become.

Further, the data adjusting means 4 is provided with a function of managing the received settlement commission information, and the settlement is completed by the settlement management system 1 or by an instruction issued by the settlement management system 1, When the notification of the fact is received, the data adjustment means 4 performs the processing of clearing the settlement commission information.

The settlement means 5 includes a CPU for the application server 130 and an RA for providing the work area.
M and a hard disk drive forming a processing sequence registration unit 50 for registering a processing sequence to be described later. According to the created payment data, the customer information in the customer information storage unit 2 is referred to, Has a function of executing a settlement process for a settlement institution.

When the settlement processing is not completed in the settlement management system 1, for example, processing by an external organization is incorporated as a part of the settlement processing and the processing is performed, the settlement processing by the settlement means 5 Of the settlement process to an external institution and, if necessary, transfer of data used for the process.

As described above, the settlement means 5 is provided with the processing sequence registration section 50 on the hard disk drive, and when a new settlement processing is adopted in the settlement management system 1, the settlement sequence is registered. By registering here a processing sequence for processing in, new payment processing can be supported. In order to enable the administrator of the application server 130 to register the processing sequence, as shown in FIG. 3, in the present embodiment, the application server 130 is configured by a CPU and input devices such as a keyboard and a mouse. Registration section 6
Is provided. As shown in FIG. 6, the processing sequence registered in the processing sequence registration unit 50 in the present embodiment includes an account transfer processing sequence, a credit card payment processing sequence, a convenience store payment processing sequence, a home delivery cash on delivery processing sequence, This includes a remittance processing sequence and a cancel processing sequence thereof.

In addition, the configuration of the registration unit 6 includes editing processing such as registration, update, and deletion of customer information in the customer information storage unit 2 and a protocol conversion table 40 prepared for protocol conversion by the data adjustment unit 4. Editing processes such as registering, updating, and deleting protocols can also be performed, but these can also register, update, and update new customer 9 information.
This is to enable deletion, addition, change, and deletion of a new protocol.

FIG. 7 shows that the user A is
FIG. 9 is an explanatory diagram showing the flow of processing when an account transfer process is selected in the payment management system 1 as a payment method in order to make a payment after accessing the electronic shopping site S by using.

User A uses browser 3 on personal computer 300
01, using the electronic shopping site S, after shopping at the electronic shopping site S, and selecting the processing by the settlement management system 1 for the payment, the web server 200 on the electronic shopping site S side sends the web server The browser 301 receives the connection destination information for changing the link destination to 100 and a part of the settlement commission information.
At this time, the web server 20 on the electronic shopping site S side
Return URL to 0 (error URL and settlement completion URL)
Also receive it. Then, the browser 301 changes the connection destination to the web server 100.

Then, the authentication server 120 confirms the identity of the user A (user authentication). That is, the user A is prompted to enter a customer ID and a password, and when the user A makes an input in response thereto, the collating means 3 performs collation with the personal identification information in the customer information storage means 2. .

If the identity cannot be confirmed (the authentication results do not match), the web server 100 prompts the user A to enter the identity verification information several times. On the basis of this, the user 100 blocks the login of the user A and forcibly changes the connection destination of the browser 301 to the error URL of the web server 200 of the electronic shopping site S as an authentication error.

If the above-mentioned identity verification is successful, the user is permitted to log in to the web server 100, and the user A's browser 30
From 1, a part of the settlement commission information (order number, settlement amount, transfer account, etc.) previously collected by the application server 220 of the electronic shopping site S is transferred to the application server 130 of the settlement management system 1. I do. Further, the application server 130 prompts the browser 301 to select the user A to use which payment method to make payment. Thus, when the user A selects a settlement method, the settlement method is also added as settlement commission information. Furthermore, depending on the type of payment method,
In some cases, additional information needs to be added. In this case, a display for adding the additional information is displayed, and the user A
For convenience store payment processing, logistics information (information on receiving products at the store at the time of payment / payment at the store but receiving products at another route) and information on the delivery store, etc., and cash on delivery service For processing, information such as logistics information (information such as the delivery destination of the product, automatically when the user A is registered as customer information in advance) and a delivery number (serial number of the courier company) Then, information such as a foreign exchange rate and a yen conversion amount is input as settlement commission information.

The contents of the settlement commission information are presented to the user A before the data adjustment means 4 of the application server 130 once adjusts the data, and confirmation of the user A is required. If there is a change at this time, the user A corrects the settlement commission information.

Thereafter, the data adjusting means 4 creates payment data according to the protocol of the payment method included in the payment entrustment information. That is, the data collected as described above has a data format structure suitable for processing of each settlement method, and when data is further transferred, data conversion processing is performed according to each communication protocol. When the settlement processing is completed in the settlement management system 1 by the settlement means 5, according to the created settlement data,
The settlement process is executed with reference to the customer information in the customer information storage means 2. In the case where the settlement processing is not completed in the settlement management system 1 and the settlement processing is performed mainly by an external institution, for example, the settlement processing by the settlement means 5 includes an instruction of the settlement processing for these and data of the data used for the processing. The transfer will be performed.

If an error such as insufficient balance occurs, the processing is interrupted, and as a settlement processing error, the connection destination of the browser 301 is forcibly changed to the error URL of the web server 200 of the electronic shopping site S. Let me change.

When the settlement processing is completed, the data adjusting means 4 which has received the notification performs the processing of clearing the billing data (accounts receivable) of the electronic shopping site S for the processing. Then, the web server 100 changes the connection destination of the browser 301 to the payment completion URL prepared on the web server 200 side of the electronic shopping site S, and notifies that the payment is completed at that time.

The timing of the above-mentioned settlement processing and the purchase of goods and provision of services can be roughly classified into the following three. Transfer-linked type The purchase and service provision of the user A and the settlement processing by the settlement management system 1 are successively performed, and the result of the settlement processing notifies the order number of the commodity purchase and service provision as “substituted”. As user A
Type to be assigned to. Transfer-independent type The purchase and service provision of the user A and the settlement processing by the settlement management system 1 are performed successively, and the notification of the settlement result indicates that the order number for the commodity purchase / service provision is “reserved. "To the user A. Result connection type
This is the case where the purchase and service provision of the user A and the settlement processing by the settlement management system 1 are discontinuous, and a connection is made to the settlement management system 1 using the designated URL by an e-mail notification from the electronic shopping site S. Then, the settlement processing of the user A is performed. A type in which the order number of the above-mentioned product purchase / service provision is given to the user A as “substituted” by the notification of the settlement processing result at that time.

FIG. 8 shows that the user A has settled the settlement management system 1
It is an explanatory view showing the flow of the processing when the fund transfer processing is selected. Originally, when trying to make an account transfer, the user A needs to log in to the system once and then log in to the account again. In this configuration, however, the user A uses the temporary account of the settlement management system 1 to substantially We make it possible to transfer funds.

That is, in the present configuration, when the user A selects the account transfer as the settlement method, the data adjusting means 4 creates the deposit data based on the settlement commission information of the user A. Based on the data, the settlement means 5 refers to the account information of the customer information and deposits a deposit from the transfer source account of the user A to the temporary account by an account transfer process. Then, the deposit is transferred from the temporary account to the transfer destination account of the electronic shopping site S. As described above, the deposit is deposited in the temporary account of the system 1 and the deposit is transferred to the transfer destination account of the electronic shopping site S. It is possible to make a substantial transfer from the account to the transfer destination account of the electronic shopping site S without logging in to the account again.

In order to cancel the above processing, the settlement commission information is deleted by the data adjustment means 4 or the cancellation data is created by the data adjustment means 4 and the processing by the settlement means 5 is stopped (from the transfer source account). Either the bank transfer of the deposit to the temporary account is stopped or the transfer process from the temporary account to the transfer destination account is stopped).

Of course, the result of these processes is notified from the settlement management system 1 to the electronic shopping site S,
When the screen transitions to the error URL or the settlement completion URL, the user A is also notified.

The settlement process according to the present method is performed by an electronic bill presenting payment service EBPP (Electric Bill Presentment and EBPP) provided for general consumers on the Internet.
Payment). This EBPP
Is a statement, passbook, or guidance issued or provided to general consumers (customers of each company) by any claimant such as electricity, gas, telephone company, financial institution, mail order company, and other general business corporations. Document (billing statement information) "mailed by paper"
Rather, it is a service that performs "batch posting and payment by data" using the Internet or the like, and allows users to browse from terminal devices such as personal computers and mobile phones. When these electronic invoices reach user A, if user A selects the account transfer processing of the present settlement management system 1 as a method of paying the charges, the same procedure as above should be performed. Can be.

FIG. 9 shows that the user A has settled the settlement management system 1
It is an explanatory diagram showing the flow of processing when credit card settlement processing is selected. When the user A selects credit card settlement as the settlement method, the data adjustment means 4 creates settlement commission processing data to the credit card company based on the settlement commission information of the user A. The payment means 5 refers to the credit card information included in the account information based on the data,
Instructs the credit card company for settlement processing. An authentication result obtained by causing an external authentication organization to authenticate the credit card number is added to the data to be transferred to the credit card company on the way. The credit card company that has received the instruction for the payment processing to which the authentication result has been added performs the credit card payment processing based on the instruction.

In order to cancel the above processing, the data adjustment means 4 deletes the payment commission processing data itself or creates the deleted data and stops the processing by the payment means 5 (that is, the payment to the credit card company). The processing instruction is canceled).

Of course, the results of these processes are sent to the settlement management system 1, where the data adjustment means 4 performs the process of clearing the settlement commission information, from which it is further notified to the electronic shopping site S, and the error URL Alternatively, the screen is transited to the settlement completion URL, so that the user A is also notified.

FIG. 10 is an explanatory diagram showing a processing flow when the user A selects the convenience store settlement processing by the settlement management system 1. When the user A selects the convenience store settlement as the settlement method, based on the settlement commission information of the user A, the data adjusting means 4 transmits the convenience store transmission data (each of which is settled) in a particular convenience store chain. The data is created in a form that can be processed by the POS management headquarters system of the convenience store. As the data, if an instruction to receive a product at a store at the time of settlement is given in the distribution information, data of a delivery store or the like is also included. The settlement means 5 includes:
An instruction for payment processing management based on the data is sent to a server for a POS management headquarters system in a predetermined convenience store. Then, the user A goes to a predetermined convenience store, presents a customer ID, an order number, and the like,
When a payment is made at the convenience store, the processing result with the payment information is sent to the settlement management system 1 and the data adjustment means 4 performs the processing for clearing the payment entrustment information. The notification is sent to the shopping site S and the user A. Of course, if such payment is not made for a certain period, the settlement management system 1 or the electronic shopping site S will provide the user A with
A notice of late payment may be given and the payment may be prompted.

When canceling the above processing, the data adjustment means 4 deletes the convenience store transmission data itself or creates deletion data, and stops the processing by the settlement means 5 (that is, the data transmitted to the convenience store). Data will be deleted).

Of course, the result of the above processing is also notified from the settlement management system 1 to the electronic shopping site S and the user A.

FIG. 11 is an explanatory diagram showing a processing flow when the user A selects the courier service cash-on-delivery processing by the settlement management system 1. When the user A selects the courier service cash-on-delivery method as the settlement method, the data adjustment means 4 performs cash-on-delivery transmission data (each courier service) for a specific courier service based on the settlement commission information of the user A. Data created in a format that can be processed by The settlement means 5 sends the data and an instruction for managing settlement processing based on the data to a management server of a predetermined home delivery company. Then, in exchange for the delivery of the goods by the courier, when the user A makes the payment, the processing result including the payment information is sent to the settlement management system 1 and the settlement is performed by the data adjustment means 4. An entrustment information clearing process is performed, from which the electronic shopping site S is further notified.

When canceling the above processing, the data adjustment means 4 deletes the cash-on-delivery transmission data itself, and the processing by the settlement means 5 is stopped.

Of course, the result of the above processing is also notified from the settlement management system 1 to the electronic shopping site S and the user A.

The delivery letter required by the home delivery company to deliver the product is printed on the electronic shopping site S, the settlement management system 1, or on the home delivery company side, and provided to the home delivery company. Delivery is shown together in this drawing.

FIG. 12 is an explanatory diagram showing a processing flow when user A selects the foreign remittance processing by the settlement management system 1. When the user A selects foreign remittance as the settlement method, the data adjusting means 4 creates international remittance data for remittance check creation processing or foreign remittance processing based on the settlement commission information of the user A. The settlement means 5 refers to the account information of the customer information based on the data and performs a process of creating a remittance check with the user A as the remitter or a foreign remittance process with the user A as the remitter Execute When the execution of such processing is completed, the processing result is sent to the settlement management system 1 and the data adjustment means 4 performs the settlement processing of the settlement commission information, and further notifies the electronic shopping site S therefrom. Is done.

When canceling the above processing, the data reconciliation means 4 deletes the international remittance exchange data itself,
The processing by the settlement means 5 is stopped.

Of course, the result of the above processing is also notified from the settlement management system 1 to the electronic shopping site S and the user A.

Note that, instead of the remittance check creation processing performed in this configuration, a process for creating a postal money order may be performed.

FIG. 13 is a flowchart showing a processing flow in the settlement management system 1 described above. As shown in FIG. 1, the present payment management system 1 includes a web server 1
Monitor the connection to 00 (step S101). If the connection is not confirmed (step S101; No), the process returns first.

If there is a connection from the browser 301 or the like of the user A (step S101; Yes), a screen for prompting the user A to input a customer ID and a password is displayed (step S102). Then, the customer ID and password input by the user A are collated with the customer ID and password of the user A registered in the customer information storage means 2 in advance (step S103).

If they do not match (step S10
3; No), an error URL is displayed on the browser 301 of the user A.
Is output and logout processing is performed. On the other hand, if they match (step S103; Yes), it is checked whether or not the connection destination has transferred the settlement commission information (step S104).

If the settlement commission information has been transferred (step S104; Yes), the settlement commission information is acquired (step S105). If there is no transfer of the settlement commission information in step S104 (step S104; No), the process returns to step S104.

After the processing in step S105, a screen for prompting the user to select a payment method and input other payment commission information is displayed (step S106). Here, when the user A makes an input according to the screen display, it is checked whether or not all the settlement commission information has been prepared (step S107). If all the settlement commission information is not available (step S107;
No), and the process returns to step S106 again.

[0094] When all the settlement commission information is collected in step S107 (step S107; Yes), a settlement content confirmation screen is displayed (step S108).

It is checked whether or not the payment contents have been corrected by the user A (step S109). If the correction has been made (step S109; Yes), the corrected data is fetched (step S110).
Return to.

If the settlement contents are not corrected in the above step S109 (step S109; No), it is checked whether or not the settlement contents are confirmed by the user A (step S111). If there is no confirmation of the settlement contents by the user A (step S111; No), the process returns to the step S108. Conversely, when the confirmation is made (Step S111; Yes), the data adjustment unit 4 creates payment data (Step S112).

[0097] Based on this, the settlement means 5 executes a settlement process (step S113). Then, the data adjustment means 4 receives the settlement result and performs a receivable clearing process (step S114). Web server 100
Performs the transfer of the settlement result (step S115), and displays the settlement completion U
RL is output (step S116).

According to the configuration of the present embodiment described above, when the user A accesses the web server 100 using his / her browser 301, the collation means 3 confirms the identity of the user A, If this is possible, the data adjusting means 4 takes in the settlement commission information and creates settlement data. Further, the payment means 5 executes a predetermined payment process based on the payment data while referring to the customer information.

Therefore, the user A can use his / her browser 30
1 and online shopping at the electronic shopping site S, if the settlement management system 1 is selected for the settlement, the personal identification information is entered, and in some cases, other settlement necessary for the settlement By simply inputting the commission information, it is possible to freely select the payment method from the various payment methods according to the request of the user A from time to time, and there are few unique procedures depending on the payment method, and the method is almost unified. Since the payment can be made in a convenient manner, the operability is also improved.

Also, since the personal identification information is registered in advance as customer information, login to the system can be performed in a unified manner, and if the user can be verified, the account of the user A is stored in the customer information storage means 2. By registering the information as customer information in advance, when the user A selects, the transfer processing from the account registered in the account information, credit card payment, and the like can be used. In addition to the above, it is not necessary to input the password of the account or the credit card number every time the transaction is performed, and the security of the transaction can be improved.

Further, in this configuration, after the settlement processing is completed,
By the data adjusting means 4 which manages the payment entrustment information,
Since the receivable clearing process is performed, the processing load on the electronic shopping site S can be reduced.

In addition, in this configuration, a new payment method can be added, or the method of the payment method registered so far can be changed / updated, so that the present invention has flexibility as a payment system.

The settlement management system of the present invention is not limited to the above-described embodiment, and it is needless to say that various changes can be made without departing from the gist of the present invention.

[0104]

As described above, the first aspect of the present invention is as described above.
According to the payment management system, the payment management method, and the recording medium described in Nos. 20 to 20, only by the customer inputting the personal identification information,
It is possible to freely select the payment method from the various payment methods according to the customer's request at each time, and there are few specific procedures depending on the payment method, and the payment can be settled in a nearly unified manner, so its operability Can also be improved.

Further, since the personal identification information is registered in advance as customer information, login to the system can be performed in a unified manner, and as long as the personal identification can be performed, the account information of the customer is stored in the customer information storage means. By registering in advance as customer information, if the customer selects, transfer processing from the account registered in the account information, credit card payment, etc. can be used,
In addition to the convenience of the operation, it is not necessary to input the password of the account or the credit card number every time the transaction is performed, and the security of the transaction can be improved.

Further, in this configuration, after the settlement processing is completed, the data adjustment means managing the settlement consignment information performs the reconciliation processing of the accounts receivable, etc., so that the processing load on the billing side can be reduced. become able to.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram showing an overall framework when a user A pays for shopping at an electronic shopping site S using a payment management system 1 according to the present invention.

FIG. 2 is a schematic diagram illustrating a web server 100, an authentication server 120, and an application server 130 in which the payment management system 1 according to the present invention is configured.

FIG. 3 is an explanatory diagram showing functional blocks of the device.

FIG. 4 is an explanatory diagram showing a data structure of customer information stored in customer information storage means 2;

FIG. 5 is an explanatory diagram showing a data structure of settlement commission information.

FIG. 6 is an explanatory diagram showing a storage state of a processing sequence registered in a processing sequence registration unit 50;

FIG. 7: In order for user A to make a payment for shopping,
FIG. 9 is an explanatory diagram showing a processing flow when an account transfer process is selected in the settlement management system 1 as a payment method.

FIG. 8 is an explanatory diagram showing a processing flow when a user A selects a fund transfer process by the settlement management system 1.

FIG. 9 is an explanatory diagram showing a processing flow when a user A selects credit card payment processing by the payment management system 1.

FIG. 10 is an explanatory diagram showing a processing flow when a user A selects a convenience store payment process by the payment management system 1.

FIG. 11 is an explanatory diagram showing a processing flow when a user A selects a courier service cash on delivery process by the present settlement management system 1;

FIG. 12 is an explanatory diagram showing a flow of a process when a user A selects a foreign remittance process by the settlement management system 1.

FIG. 13 is a flowchart showing a processing flow in the settlement management system 1.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Payment management system 2 Customer information storage means 3 Verification means 4 Data adjustment means 5 Payment means 6 Registration part 40 Protocol conversion table 50 Processing sequence registration part 100 Web server 101 System bus 102 CPU 103 RAM 104 ROM 105 Hard disk drive 106 CD-ROM Drive 107 Communication device 108 Keyboard 109 Mouse 110 Display 111 Printer 120 Authentication server 130 Application server 200 Web server 220 Application server 300 Personal computer 301 Browser 400 Internet

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 13/00 354 G06F 13/00 354Z 355 355 (72) Inventor Yuzo Kato 2-7 Marunouchi, Chiyoda-ku, Tokyo No. 1 Inside the Mitsubishi Bank of Tokyo, Ltd. (72) Inventor Hiroaki Niizuma 2-7-1, Marunouchi, Chiyoda-ku, Tokyo In-house Mitsubishi Tokyo Bank (72) Inventor Tomio Umezaki 2-7, Marunouchi, Chiyoda-ku, Tokyo No. 1 Inside The Bank of Tokyo-Mitsubishi Bank (72) Inventor Sadayuki Ishii 5-5 Ushijima Shinmachi, Toyama City, Toyama Prefecture Intec Inc. (72) Inventor Toshio Matsumoto 5-5 Ushijima Shinmachi, Toyama City, Toyama Prefecture Co., Ltd. Intec

Claims (14)

[Claims] Claims: 1. Customer information storage means for registering at least customer account information and customer identification information as customer information, and receiving personal identification information from the customer in response to access from the customer. A matching means for matching with the personal identification information in the customer information storage means; and receiving the settlement commission information sent from the customer side when the collation is the same, and receiving the settlement method included in the settlement commission information. A settlement device comprising: a data adjustment unit that creates settlement data according to a protocol; and a settlement unit that executes a settlement process by referring to the customer information in the customer information storage unit according to the created settlement data. Management system. 2. A settlement method included in the settlement commission information, wherein a deposit is deposited in a temporary account by an account transfer based on account information contained in the account information of the customer, and a deposit included in the settlement commission information is provided. 2. The method according to claim 1, wherein a method of transferring the deposit to a previous account is instructed.
The described payment management system. 3. The data adjustment means, based on cancellation information included in the settlement commission information received later,
An instruction to delete the payment data created previously is sent to the payment means, or data for deleting the payment data is created and the deletion data is sent to the payment means, and the payment processing is canceled based on the data. The settlement management system according to claim 1, wherein: 4. The method according to claim 1, wherein the data adjustment unit manages the settlement commission information, and upon receiving a notification that the settlement has been completed, performs a process of clearing the settlement commission information. The settlement management system according to any one of 1 to 3. 5. The computer according to claim 1, wherein said plurality of means are distributed to a plurality of computers constituting a network, and processing of said means is performed in a distributed manner among them.
4. The settlement management system according to any one of 4. 6. In response to access from a customer side, receiving personal identification information from the customer side and collating it with pre-registered personal identification information. Receiving the transmitted settlement commission information, creating settlement data according to the protocol of the settlement method included in the settlement commission information, and referring to the customer information registered in advance according to the created settlement data. And a step of performing a payment process. 7. As a settlement method included in the settlement commission information, a deposit is deposited in a temporary account by account transfer based on account information included in a customer's account information, and a transfer destination included in the settlement commission information is settled. 7. The settlement management method according to claim 6, wherein a method of transferring the deposit to an account is instructed. 8. An instruction to delete the previously created payment data based on the cancellation information included in the payment entrustment information received later, or create and output data to delete the payment data, 8. The settlement management method according to claim 6, wherein the settlement processing is canceled based on the information. 9. The method according to claim 6, wherein the received payment entrustment information is managed, and upon receipt of a notification that the payment has been completed, the settlement entrustment information is erased. Payment management method described in one. 10. A computer, comprising: a customer information storage means for registering at least customer account information and customer identification information as customer information; and, in response to access from the customer side, personal identification information from the customer side. And matching means for checking with the personal identification information in the customer information storage means, and when the matching is matched, receiving the settlement commission information sent from the customer side and including the settlement commission information in the settlement commission information Data adjustment means for creating payment data according to the protocol of the payment method, and a program for functioning as payment means for executing payment processing by referring to the customer information in the customer information storage means according to the created payment data. Computer readable recording medium. 11. When the computer functions as a data adjusting means, a temporary account is transferred by an account transfer based on account information included in a customer's account information as a settlement method included in the settlement commission information received by the data adjusting means. 11. The computer-readable recording medium according to claim 10, wherein a method of depositing the deposit with a deposit account and transferring the deposit to a transfer destination account included in the settlement commission information is instructed. 12. When the computer functions as a data adjustment unit and a settlement unit, the data adjustment unit transmits the previously created settlement data to the data adjustment unit based on cancellation information included in the settlement commission information received later. 11. A settlement instruction is sent to the settlement means, or data for deleting the settlement data is created, and the deletion data is sent to the settlement means, based on which the settlement processing is canceled. Or a computer-readable recording medium according to item 11. 13. When the computer functions as data adjustment means, the data adjustment means manages the payment entrustment information, and upon receiving notification that the payment has been completed, erases the payment entrustment information. The computer-readable recording medium according to claim 10, wherein the recording medium is embedded. 14. The computer according to claim 1, wherein the computer is constituted by a plurality of computers constituting a network, and processing by each of the units is set in a program so that the processing is performed by the computers in a distributed manner. 14. The computer-readable recording medium according to any one of 10 to 13.