JP2003067663A - Settlement processor and computer program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To solve such problems that there is a possibility of being known by unspecified persons concerning information of a credit card or the like and account information or the like in the case of bank transfer in the case of performing settlement on a network and the credit card and a debit card, etc., can not be used for a settlement processing between individuals and with a small-scale store or the like. SOLUTION: A settlement processor 1 is provided with a settlement information data base 12 storing the information of an account of a user corresponding to the information for contacting of the user, a reception part 17 receiving a settlement request including at least mail addresses of the user and an opposing user and a settlement money amount, and a settlement processing part 19 referring to the settlement information data base 12, specifying the accounts of the respective users from the mail addresses of the respective users and executing the settlement of the settlement money amount by the specified accounts.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a technique for making payment between users based on contact information such as a mail address.

[0002]

2. Description of the Related Art Currently, due to the development of the Internet, various products and services are traded through networks. And as a settlement method for this transaction, a settlement method such as a credit card, a debit card, or a bank transfer is used.

[0003]

However, in the case of payment by credit card or debit card, there is a problem in terms of security because the credit card number, the account number of the cash card, and the personal identification number are transmitted on the network. It was

In the case of bank transfer, for example,
Since the receiving side needs to inform the payer of his / her own account information, such leakage of personal information has been a problem. In particular, when making payments between unspecified individuals such as online auctions, it is necessary to teach strangers information about their own account number and other account information, which may lead to personal information leakage and security issues. It was a problem.

Further, although payment by credit card or debit card can be used for payment between an individual and a large store, etc., payment between individuals or a small scale not affiliated with a credit card or debit card. There was also a problem that it could not be used for payment with stores.

[0006] The present invention has been made in view of the above circumstances, and it is possible to provide a user with a highly confidential information such as payment information for payment by a financial institution.
It is an object of the present invention to provide a mechanism that can make a payment based on user contact information. Further, another object of the present invention is to provide a mechanism capable of making payment on the network even between individuals or in a store which is not a member of a credit card or a David card.

[0007]

A payment processing apparatus according to one aspect of the present invention is a payment processing apparatus which is arranged so as to be connectable to a plurality of terminals used by respective users and which performs payment processing between users. Then, in association with the contact information indicating the destination when the user is contacted, a storage unit that stores identification information used when the user makes a payment by a financial institution, and at least the user User contact information, contact information of the other user making the payment, and acceptance means for accepting a payment request including the payment amount, and the storage means, for contacting the user who made the payment request and the other user And a settlement means that identifies the identification information of each user from the information and executes the settlement of the settlement amount based on the identified identification information.

The above-mentioned identification information is identification information used when a user makes a payment by a financial institution, and includes, for example, information for identifying an account of a financial institution and information for a credit card.

The contact information may be a mail address designated by the user. Further, it further comprises notifying means for notifying the counterparty user who makes a settlement of the settlement contents including at least the information specifying the user who has made the settlement request and the settlement amount, and the settlement means is notified by the notifying means. Alternatively, the settlement may be executed when the counterpart user confirms the settlement contents. further,
The notifying means may create a web page including the payment content and notify the other user of the address of the web page.

A computer program according to one aspect of the present invention is arranged so as to be connectable to a plurality of terminals used by each user, and when the user is contacted to a computer that performs settlement processing between the users. Processing for storing in the storage means the identification information used when the user makes a payment by a financial institution in association with the contact information representing the destination of the user, and at least the contact information of the user and the payment. The process of receiving the contact information of the partner user who performs the payment request and the payment request including the payment amount, and the storage unit, and the identification information of each user from the contact information of the user who made the payment request and the partner user. And a process for executing the settlement of the settlement amount based on the identified identification information.

[0011]

DETAILED DESCRIPTION OF THE INVENTION Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 shows an embodiment of a payment system using the payment processing device according to the present invention. The payment processing apparatus of the present invention is embodied by the payment center 1 of FIG. A plurality of terminals 2 usable by users and the like can be connected to the settlement center 1 via a network 3 such as the Internet. This terminal 2 is a personal computer, a mobile phone, a PDA (Personal Dig
Ital Assistance) can be connected to networks such as the Internet, and can be configured with a device that has a mail sending / receiving function, a Web browser, and the like.

Further, the bank center of the managing bank 4 can be connected to the settlement center 1 via a predetermined communication line 6 such as a dedicated line. This secretary bank 4 is a settlement center 1
It is a financial institution that manages an account (hereinafter referred to as a "dedicated account") that is used when making a payment via the. Secretary bank 4
The bank center of is composed of a predetermined computer,
Dedicated account 41 of settlement center 1 and dedicated account 4 of each user
2 can be managed and settlement processing such as transfer, transfer, and deposit can be performed.

The settlement center 1 can be connected to a center such as a credit card company 5 via a predetermined network 7. This credit card company, etc. 5
Is a financial institution that is used when the balance of the dedicated account is less than the payment amount, including banks as well as credit card companies. The center of the credit card company 5 is composed of a predetermined computer, and is configured to be able to perform credit-related processing, deposit / withdrawal processing, and the like.

The settlement center 1 arranged so as to be connectable to these terminals and the like has a CPU (Central Processing Unit) and a CPU.
It can be realized by a computer that holds a computer program executed by. This settlement center 1
Can realize each functional block shown in FIG. 1 by a CPU, a program, a hard disk device of a computer, and the like. This functional block includes a user information database 11, a payment information database 12, a transaction information database 13, a user registration unit 14, an authentication unit 15, a menu selection unit 16, a reception unit 17, a notification unit 18, a payment processing unit 19, and a history management unit. 20 is each functional block.

The user information database 11 is a database that can store personal information of the user. An example of data stored in the user information database 11 is shown in FIG. In the example shown in FIG. 2, the user information database 11 associates, for each user, its name, email information designated by the user, authentication information such as a password, account information for balance replenishment, and personal information such as an address. Can be memorized. The balance replenishment account is the information of the credit card company 5 etc. for replenishing the balance of the dedicated account when payment is not possible with the dedicated account, such as when the balance of the user's dedicated account is insufficient for payment. is there. This information includes, for example, credit card information (card company name, number, expiration date, name, etc.) specified by the user making the payment, and account information (bank name, account number) of another bank that can be used as a debit card. , Expiration date, name, etc.).

The payment information database 12 is a database that stores at least the payment information for each user to make payment at a financial institution in association with the contact information of the user. An example of data stored in the payment information database 12 is shown in FIG. In the example shown in FIG. 3, the mail address as the contact information of the user is stored. The contact information is not limited to the mail address as long as it is information indicating the destination to contact the user. In addition, the account number of the dedicated account, the balance, and the available balance are stored as the settlement information for the user to settle at the financial institution. The payment information may be any information that can identify the user's dedicated account, and may be, for example, only the account number of the dedicated account, or may include other information regarding the dedicated account, such as the name of the dedicated account.

The transaction information database 13 is a database that can store the settlement history at the settlement center 1. An example of data stored in this transaction information database is shown in FIG.
Shown in. In the example of FIG. 4, the mail address of the user who issued the payment request, the date, the reception number, the payment details, the mail address of the other user, the payment amount, and the current status of the payment are stored.

As the contact information of the user who has made the settlement request and the partner user, other information that can identify the user such as the name and abbreviation of the user may be stored instead of the mail address. The receipt number is a serial number for identifying the transaction, and is given when the settlement unit 17 receives the settlement request. The transaction content represents the content of the transaction such as payment and billing, and the status is information representing the state of the settlement processing at the present moment.

The user registration unit 14 registers information regarding a new user. In this registration, the user registration unit 14 requests the new user to register his or her e-mail address, password, personal information such as name and address, and balance replenishment account information. It is performed by storing it in the information database 11.
At the time of registration, the user registration unit 14 may make a credit inquiry or the like to the credit company 5 for the user.

The authentication unit 15 authenticates whether the user who makes the payment is a legitimate user. This authentication may be performed by the authentication unit 15 referring to the user information database 11 to determine whether or not the mail address input by the user and the password match.

The menu selection unit 16 prompts the user to
A predetermined processing menu is presented and a desired processing menu is selected. This processing menu includes, for example, billing,
Payment, transaction inquiry, account balance inquiry, etc.

The acceptance unit 17 accepts a settlement request from the user and gives a predetermined receipt number to the settlement request. This payment request includes at least contact information such as the email addresses of the user who makes the payment request and the other user,
It includes information on the payment amount. In addition to the settlement request, a comment from the user who has issued the settlement request to the other user may be included.

The notification unit 18 notifies the user of the settlement of the settlement contents based on the contents of the settlement request. The payment details to be notified include at least information and a payment amount that can specify the user who has issued the payment request, and may additionally include a comment from the user who has issued the payment request. The information that can identify the user who has made the payment request is not limited to these, as long as it is the information that can identify the user, such as the email address of the user, the name of the user, and the like.
It only needs to be included. As a form of this notification, the notification unit 18 may notify the other user of the content of the bill or the payment by e-mail or the like. Further, the notification unit 18 may create a Web page including the contents of the payment request, and notify the other party user of the address of the Web page by e-mail. The mode in which the notification unit 18 gives the notification is not particularly limited as long as the partner user or the like can understand the content of the settlement request.

The payment processing section 19 refers to the payment information database 12 to specify the payment information of each user from the contact information of the user who has made the payment request and the other user, and the payment amount based on the specified payment information. Payment is executed. Specifically, in the present embodiment, the payment processing unit 19
By referring to the payment information database 12, the dedicated account of each user is specified from the email address of each user. In addition, the settlement processing unit 19, for example,
The settlement can be executed by instructing to perform the transfer processing of the settlement amount between the dedicated account 42 of the user who has made the settlement request and the partner user.

When making a payment, the payment center 1
The settlement process may be performed via the dedicated account 41 of FIG. In this case, for example, transfer the payment amount from the dedicated account 41 of the counterpart user to the dedicated account 41 of the settlement center 1,
After that, the payment may be performed by performing a transfer process for the payment amount from the dedicated account 41 of the settlement center 1 to the dedicated account 41 of the user who has issued the settlement request.

When the notification unit 15 notifies the other user of the payment details, the payment processing unit 19 causes the notified other user to confirm the payment contents before executing the payment process. May be. Further, when the settlement processing is completed, the settlement processing unit 19 updates the account balance and the account available balance of the settlement information database 12.

Further, the settlement processing section 19 determines, for example, when the balance of the user's dedicated account is less than the payment amount.
According to the balance replenishment account information of the user information database 11, the settlement process can be performed with the credit card company 5 or the like. When making a payment with a person other than the user of the service, the payment processing unit 19 may, for example,
It is possible to specify the credit card company or the like 5 of the payment destination and perform the payment process with the credit card company or the like 5.

The history management unit 20 manages the settlement history of the user. Specifically, the history management unit 20 stores the contents of the settlement process in the transaction information database 13 after the settlement process is completed. Further, when the user selects a transaction inquiry processing menu, the history management unit 20 may refer to the transaction information database 13 and output a payment history corresponding to the inquiry content.

Next, a settlement processing method using the settlement center 1 will be described. <User Registration Process> A process when a new user performs user registration for this service will be described with reference to FIG. In FIG. 5, first, when a request for user registration is made to the settlement center 1, the user registration unit 14 requests the new user to input registration information (S101). An example of the screen configuration at this time is shown in FIG. As shown in FIG.
The user registration unit 14 requests the new user to input, for example, the mail address and password of the user as login information, information such as name and address as personal information, and balance supplement account information.

When the user confirms that the user inputs predetermined information according to the screen shown in FIG. 6 and instructs "registration", the user registration section 14 notifies the credit card company 5 of the input information and The credit information such as the debt status of the user is inquired (S102, S103). Upon confirming that the inquiry has been answered by the credit card company 5 or the like, the user registration unit 14 determines from the contents of the response that
It is determined whether the user is suitable as a user of this service (S104, S105). If the result of determination is that the user is suitable for this service, a request is made to the secretary bank 4 to open a dedicated account for the user based on necessary information such as the user's personal information (S106). When the secretary bank 4 opens the dedicated account for the user and is notified of the account number, account balance, and available balance of the dedicated account, the user registration unit 14 is notified in association with the email address of the user. The account number, account balance, and available balance of the dedicated account are stored in the payment information database 12 (S107, S108). In addition, the user registration unit 14 stores personal information such as the name, mail address, password, balance supplement account, and address of the user in the user information database 11 (S109), and ends the process.

<Billing Processing> Next, a settlement processing method in the case where a certain user uses the settlement center 1 to bill a partner user for a predetermined amount of money will be described with reference to FIG. In FIG. 7, first, when a user (hereinafter referred to as a “biller”) who makes a billing settlement request accesses the settlement center 1, the authentication unit 15 prompts the biller to display the screen shown in FIG. Prompts you to enter login information such as your email address and password (S20
1). When the claimant inputs the e-mail address and password according to the display screen of FIG. 8 and confirms that “OK” is instructed, the authentication unit 15 determines that the user information database 1
Referring to step 1, the user is authenticated from the input mail address and password (S202, S203).
If the e-mail address or password is incorrect as a result of the authentication, the process is stopped. If the email address and password are correct, the menu selection unit 16 requests the requester to select a processing menu on the screen shown in FIG. 9 (S204).

Upon confirming that the claimant has selected the "charge" processing menu, the reception unit 17 prompts the claimant to
Request registration of payment request information (S205, S20)
6). An example of the input screen at this time is shown in FIG. Figure 10
In the example shown in FIG.
In addition to the e-mail address and billing amount of the other user who is the billing destination (hereinafter referred to as the “billed person”), the requestee is requested to input a comment. In addition,
Requesting a comment to the claimant is optional.

The claimant inputs the content of the claim and "registers"
When confirming that the payment request has been issued by instructing, the accepting unit 17 accepts the payment request including at least the mail addresses of the claimant and the payee and the payment amount (S207, S208). The notification unit 18 creates a billing notification to the demandee based on the settlement request, and thereby notifies the demandee of the settlement contents (S2).
09). An example of this billing notification is shown in FIG. As shown in FIG. 11, the content of the bill notification includes, for example, the biller's e-mail address, the billing amount, a comment to the payee, and the like based on the payer's e-mail included in the settlement request. And notify the payer. Further, when making the billing notification, the notifying unit 18 creates a web page including the contents as the billing notification, and as shown in FIG. 11, the address (URL: Uniform Resource Locator) of the web page is described in detail of the billing notification. You may notify as information.

FIG. 12 shows an example in which the demandee accesses the Web page address based on the notification. 12
When the payee confirms the contents and confirms the payment according to the Web page shown in, the payment processing unit 1
9 indicates that the demandee is already in the user information database 11
It is determined whether or not the user is a user of this service registered in (S210, S211). As a result of the determination, if the demandee is already a user of this service, the authentication unit 15 authenticates whether or not the demandee is a valid user based on the mail address or the like (S212).

If the user is a legitimate user, the payment processing section 19 refers to the payment information database 12 to identify the dedicated account of the demandee, and whether the dedicated account has a balance equal to or greater than the payment amount. It is determined whether or not (S213). If the result of the determination is that the payee's dedicated account 42 has a balance equal to or greater than the payment amount, the settlement processing unit 19 instructs the managing bank 4 to execute the settlement processing (S214).

In response to this instruction, the managing bank 4 performs settlement processing such as account transfer from the dedicated account 42 of the demandee, and when a settlement completion notification is given upon completion of this settlement, the settlement processing unit 19 causes the settlement processing. The balance etc. of the payment information database 12 is updated based on the contents (S215, S216). In addition, when making this payment, the dedicated account 4
2 to the dedicated account 41 of the settlement center, and then from the dedicated account 41 of the settlement center to the biller's dedicated account 42
You may be made to transfer money to.

The history management unit 20 also receives the transaction number given by the reception unit 17, the mail address of the requester who made the settlement request, the transaction date, the transaction details, the mail address of the demandee, the amount, The status is stored in the transaction database 13. Then, the claimant is notified of the completion of the settlement so that the claimant can confirm that the settlement is completed by the notification (S218, S21).
9), the process ends.

Further, the processing when it is determined in S211 that the payee is not the user registered in the user information database 11 will be described with reference to FIG. When it is determined that the demandee is not the user, the settlement processing unit 19 requests the demandee to select a settlement method (S220). An example of the screen at this time is shown in FIG. In the example shown in FIG. 14, as the payment method, the chargeee is made to select the payment by credit card or the payment by debit card, and the input of information necessary for the processing of the payment is requested. At this time, in addition to selecting the payment method, the payee may be allowed to newly register as a user. If the payee selects user registration, Process 5 is executed.

When the payee confirms that the payee selects a predetermined payment method from the credit card and the debit card according to the screen of FIG. 14, the payment processing unit 19 identifies the selected credit card company 5 or the like. A request for deposit is made to the designated credit card company 5 (S221, S222). The credit company 5 deposits money into the dedicated account 41 of the settlement center 1 managed by the managing bank 4 based on the request content, and the managing bank 4 notifies the depositing completion by this deposit (S223, S22).
4), the settlement processing unit 19 performs the processing of S216 and subsequent steps in FIG. 7 described above.

Processing in the case where it is determined in S213 that the balance of the payee's dedicated account 42 is less than the payment amount will be described with reference to FIG. Above S21
If it is determined in 3 that the balance of the demandee's dedicated account 42 is less than the payment amount, the settlement processing unit 19 refers to the balance replenishment account of the user information database 12 and specifies the demandee. The processing from S222 above is performed, such as making a deposit request to the credit card company 5 or the like.

<Payment Processing> Next, a payment processing method in the case of using the payment center 1 to make payment to the other user in response to a payment request from the user will be described with reference to FIG. In FIG. 15, first, when a user who pays a counterpart user (hereinafter referred to as “payer”) accesses the settlement center 1, the authentication unit 15 informs the payer of an email address, a password, and the like. It requests the input of login information (S301). When the authentication unit 15 confirms that the email address and password have been input by the payer, the authentication unit 15 refers to the user information database 11 and authenticates the user from the email address and password (S302, S303). If the e-mail address or password is incorrect as a result of the authentication, the process is stopped. If the email address and password are correct, the menu selection unit 16 requests the payer to select a processing menu (S304).

Upon confirming that the payer has selected the "payment" processing menu, the reception unit 17 prompts the payer to
Users who receive at least the paid money (hereinafter,
It is called "recipient". ), And the payment amount is requested to be input (S305, S306). In addition to this, a comment to the recipient may be included. Whether to request a comment to this recipient is arbitrary.

When the payer inputs the payment details,
The accepting unit 17 accepts at least a payment request for payment processing including the mail addresses of the payer and the payee and the payment amount (S307, S308). The notification unit 18 creates a payment notification for the payee having the payment details and notifies the payee of the payment notification (S309). The payment notification may be an e-mail including a mail address as the contact information of the payer, the payment amount, a comment to the payee, and the like. In addition, when issuing this payment notification, we
Create a page b and add the address (URL: Uni
form resource locator) or only the address of this Web page may be notified.

When the recipient confirms the content of the notification, the settlement processing unit 19 determines whether the recipient is a user of this service already registered in the user information database 11 (S310, S311). ).

If it is determined that the user is a user of this service, the settlement processing unit 19 causes the settlement information database 12
With reference to, it is determined whether or not the dedicated account of the payer has a balance equal to or more than the payment amount (S312). As a result of the determination, when the payer's account has a balance equal to or more than the payment amount, the settlement processing unit 19 makes a payment to the managing bank 4 from the payer's account to the payee's account for the billed amount. (S313).

In response to this instruction, the managing bank 4 makes a settlement, and when a settlement completion notification is issued by the settlement completion, the settlement processing section 19 updates the balance of the settlement information database 12 based on the settlement contents. . (S314, S315).
In the case of performing this settlement processing, the transfer is temporarily performed from the payer's dedicated account 42 to the settlement center's account 41, and then from the settlement center's account 41 to the payee's dedicated account 42. Good.

The history management unit 20 deals with the receipt number of the transaction issued by the acceptance unit 17, the email address of the payer who made the invoice, the transaction date, the transaction content, the email address of the customer, the amount and the status. The data is stored in the database 13 (S316). And, to the effect that this settlement is completed,
Notify the payer so that the payer can confirm that the payment is completed by the notification (S317, S3
18), the process ends.

FIG. 16 shows the processing when it is determined in S311 that the recipient is not the user registered in the user information database 11. In FIG. 16, when it is determined that the payee is not the user of the service, the settlement processing unit 19 requests the payee to specify a payout account (S319). When the payee confirms that the payee account has been designated, the settlement processing unit 19 instructs the secretary bank 4 to deposit money to the designated payee account (S
320, S321). The managing bank 4 is the payer's dedicated account 4
2, the settlement process such as the transfer to the designated receiving account is performed, and when the secretary bank 4 notifies the deposit that the deposit is completed (S322, S323), the history management unit 20 causes the history management unit 20 to S315 in FIG. The following processing is performed.

FIG. 17 shows the processing when it is determined in S312 that the balance of the payer's dedicated account is smaller than the payment amount. In FIG. 17, the payment processing unit 19 refers to the balance replenishment account of the user information database 12, and refers to the credit card company or the like 5 designated by the payer.
Is instructed to settle the shortfall amount (S32).
4). The credit card company, etc. 5 deposits money into the specified account of the managing bank 4 based on the instruction, and the managing bank 4
When the payment center 1 notifies the settlement center 1 of the completion of the transfer (S325, S326), the history management unit 20 performs the processing of S315 and thereafter in FIG.

<Transaction Status Inquiry Processing> When the transaction inquiry processing menu is selected by the user, the history management unit 20 refers to the transaction information database 13 and outputs the transaction history of the user by display or the like. FIG. 18 shows an example of the screen at this time. In the example shown in FIG. 18, the history management unit 20
With reference to the transaction database 13, the transaction date, receipt number, supplier, payment amount or invoice amount, fee, and status information are displayed for each payment type of “payment” and “billing”. In addition,
The information to be output may be specified by the user.

As described above, according to the present embodiment, by storing the information of the user's dedicated account in the payment information database 12 in association with the user's mail address, at least the user who makes the payment request and Based on the settlement request including the email address and the settlement amount of the counterpart user, the settlement processing unit 19 refers to the settlement information database 12 to identify the dedicated accounts of the user who has made the settlement request and the counterpart user, and the dedicated account. The payment can be executed by. Thus, if the user's mail address is known, it is possible to make a payment without directly giving the other party highly confidential information such as information about the account. Also,
You can make a payment if you know the user's email address.
It is possible to process even payments between individuals or with small stores that are not affiliated with credit cards or debit cards.

Further, by using the mail address designated by the user, the user can be notified of the details of the payment when the payment is made, and that the payment has been completed. Can also be notified to the user who has made the settlement request.

Furthermore, if the contents of the settlement request are notified to the other user before the settlement, the settlement process can be performed after confirming the contents with the other user, and unnecessary trouble can be prevented. Also, if you create a web page that contains the contents of this payment request and notify the other party of the address of the web page, the user who receives the notification can access the address at any time and check the payment details. It should be done.

The settlement center 1 of this system can be realized not only by using a dedicated device but also by using a general-purpose computer and computer program. For example, the above-described processing is executed by installing a computer program for executing the above-mentioned operation on a general-purpose computer or a computer-readable medium (FD, CD-ROM, etc.) storing the computer program. The payment center 1 may be configured. When the OS (Operating System) shares the above-mentioned functions or when the OS and the application program are jointly implemented, only the part other than the OS is stored as a computer program, and the computer program is stored in a computer-readable medium. Alternatively, the computer program may be distributed.

It is also possible to superimpose a computer program for the settlement center 1 on a carrier wave and distribute it via a communication network. For example, the program may be posted on a bulletin board (BBS) of a communication network and distributed via the network. Then, this computer program may be started up and executed in the same manner as other application programs under the control of the OS to execute the above-mentioned processing.

[0056]

According to the present invention, if the contact information of the user making the payment is known, the payment can be made with this user.

[Brief description of drawings]

FIG. 1 is a diagram showing a conceptual configuration of a payment system using a payment center according to an embodiment of the present invention.

FIG. 2 is a diagram showing an example of a data structure of a user information database according to an embodiment of the present invention.

FIG. 3 is a diagram showing an example of a data structure of a payment information database according to an embodiment of the present invention.

FIG. 4 is a diagram showing an example of a data structure of a transaction database according to the embodiment of the present invention.

FIG. 5 is a diagram showing a processing flow showing a flow of user registration processing according to an embodiment of the present invention.

FIG. 6 is a diagram showing an example of a user registration screen display according to an embodiment of the present invention.

FIG. 7 is a diagram showing a processing flow of a billing process according to the embodiment of the present invention.

FIG. 8 is a diagram showing an example of a login screen according to an embodiment of the present invention.

FIG. 9 is a diagram showing an example of a menu display screen according to an embodiment of the present invention.

FIG. 10 is a diagram showing an example of a billing registration screen according to the embodiment of the present invention.

FIG. 11 is a diagram showing an example of a bill notification according to the embodiment of the present invention.

FIG. 12 is a diagram showing an example of payment notification by a Web page according to an embodiment of the present invention.

FIG. 13 is a diagram showing a processing flow when the claimant is not a registered user and the account balance of the claimant is insufficient according to the embodiment of the present invention.

FIG. 14 is a diagram showing an example of a payment method selection screen according to an embodiment of the present invention.

FIG. 15 is a diagram showing a processing flow of payment processing according to the embodiment of the present invention.

FIG. 16 is a diagram showing a processing flow when the payee according to the embodiment of the present invention is not a registered user.

FIG. 17 is a diagram showing a processing flow when the balance of the payment account according to the embodiment of the present invention is insufficient.

FIG. 18 is a diagram showing an example of a transaction status inquiry screen according to the embodiment of the present invention.

[Explanation of symbols]

1 settlement center 2 terminals 4 secretary bank 5 credit card companies, etc. 12 Payment Information Database 17 Reception Department 18 Notification section 19 Payment processing section

   ─────────────────────────────────────────────────── ─── Continued front page    (72) Inventor Osamu Araki             Stock Exchange, 3-3 Toyosu 3-chome, Koto-ku, Tokyo             Company NTT Data

Claims (5)

[Claims] 1. A payment processing device, which is arranged so as to be connectable to a plurality of terminals used by each user and performs payment processing between users, and which uses contact information indicating a destination when contacting the user. In association with each other, a storage unit that stores identification information used when the user makes a payment by a financial institution, and at least the contact information of the user from the user,
By referring to the contact information of the partner user who makes the settlement and the settlement request including the settlement amount, and the storage unit, the contact information of the user who made the settlement request and the partner user A settlement processing device that identifies identification information and executes settlement of the settlement amount based on the identified identification information. 2. The payment processing device according to claim 1, wherein the contact information is a mail address designated by a user. 3. The payment means further comprises a notification means for notifying the counterparty user who makes the payment at least the information specifying the user who has made the payment request and the payment details including the payment amount, and the payment means is the notification means. The settlement processing apparatus according to claim 1, wherein the settlement processing is executed when the counterpart user notified by the confirmation of the settlement content is performed. 4. The notification means is a W including the contents of the settlement.
4. The payment processing device according to claim 3, wherein an eb page is created and the address of the web page is notified to the other user. 5. A computer, which is arranged so as to be connectable to a plurality of terminals used by each user and performs settlement processing between the users, is associated with contact information indicating a destination when contacting the users. A process of storing in the storage means the identification information used when the user makes a payment by a financial institution, and at least the contact information of the user from the user,
The process of receiving the contact information of the partner user who makes the payment and the payment request including the payment amount, and referring to the storage means, the identification of each user from the contact information of the user who has made the payment request and the partner user A computer program characterized by: performing a process of specifying information and executing payment of the payment amount based on the specified identification information.