JP2008171239A - Settlement server, settlement method, and settlement system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a settlement server, a settlement method and a settlement system for changing a settlement means temporarily selected before a predetermine date to another settlement means. <P>SOLUTION: A settlement server 102 connected through a network 104 to a user device 101 for executing the processing of an unsettled charge before a specific settlement date, reads the list of the unsettled charge categorized for every customer before the specific settlement date from settlement relevant information 202 in which the list is stored, and transmits the read list to the user device 101, and receives the unsettled charge as the object of prepayment in the list from the user device 101, and executes the settlement processing of the received unsettled charge as the object of prepayment, and updates the list stored in the settlement relevant information 202 based on the unsettled charge as the object of prepayment whose settlement processing has been executed. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a settlement server, a settlement method, and a settlement system. More specifically, the present invention relates to a settlement server, a settlement method, and a settlement system that execute a settlement process for an unsettled fee specified before a specific settlement date.

  2. Description of the Related Art Conventionally, account transfer, credit card, and the like are known in addition to cash as a settlement method for public charges and shopping costs. When payment is made using these payment means, a predetermined date is designated, and payment is made on that date (for example, account withdrawal).

  In recent years, “electronic money” (a monetary value expressed in digital data) has been used along with the development of electronic commerce using the Internet (a transaction form in which contracts and payments are made using a network such as the Internet). It is becoming possible to shop without using a credit card or cash. Customers can choose from a variety of payment methods according to their needs, taking into account the amount of money, payment timing, and benefits associated with the use of payment methods (such as receiving a certain service when a certain number of points are earned). Select any payment method.

  Conventionally, among multiple payment methods (credit card, electronic money, etc.), the payment method is automatically selected when purchasing a product depending on whether or not it exceeds a predetermined standard (for example, payment amount 10,000 yen) There is a known method (see Patent Document 1).

Japanese Patent Laid-Open No. 2004-259152

  However, there is a problem that it is procedurally complicated to switch to another settlement means after designating a certain settlement means and deciding to pay the price. In addition, when the settlement amount is small, there is also a problem that even if there is an amount that can be paid at hand, it is necessary to wait for settlement to a predetermined date designated for each settlement means. In addition, companies and organizations that charge money do not meet the cost because there is a case where the charge is made to the customer using, for example, mail, regardless of how small the price is. there were.

  The present invention has been made in view of such problems, and an object thereof is to provide a settlement server and a settlement method for changing a settlement means once selected before a predetermined date to another settlement means. And providing a payment system.

  In order to achieve such an object, a settlement server according to the present invention is a settlement server that is connected to a user apparatus via a network and executes processing of an unsettled fee before a specific settlement date, The list is read from an unsettled list storage unit that stores a list of unsettled charges for each customer, and an unsettled list transmitting unit that transmits the read list to the user device; Receiving means for receiving the settlement fee from the user device, and executing the settlement processing of the received unsettled fee subject to the prepayment and the unsettled list based on the unsettled fee subject to the prepayment for which the settlement processing has been executed. And a payment updating means for updating the list stored in the storage means.

  The payment method according to the present invention is a payment method in a payment server that is connected to a user device via a network and executes processing of unsettled charges before a specific payment date. An unsettled list transmission step of reading the list from the unsettled list storage means for storing a list of unsettled charges and transmitting the read list to the user device; The receiving step received from the device and the settlement processing of the received unpaid charge subject to the prepayment are executed and stored in the unpaid list storage means based on the unpaid charge subject to the prepayment for which the settlement processing is executed. And a settlement update step for updating the stored list.

  The payment system according to the present invention is a payment system in which a user device and a payment server are connected via a network and execute processing of unsettled charges before a specific payment date. An unsettled list transmission unit that reads a list from an unsettled list storage unit that stores a list of unsettled fees, and transmits the read list to the user device, and an unsettled fee to be paid in advance in the list. Receiving means for receiving from the user device, and executing the settlement processing of the received unpaid charge subject to the prepayment, and the unpaid list storage means based on the unpaid charge subject to the prepayment for executing the settlement processing And a payment updating means for updating the list stored in the database.

  The settlement system according to the present invention is a settlement system that performs settlement between a user device connected to a network and a billing source server of a billing source company. An unsettled transaction storage means for storing a list of data, a transmission means for reading a list of unsettled charges by customer from the unsettled transaction storage means, and transmitting to the user device, and an instruction to settle an unsettled transaction selected by the user device A receiving means for receiving data, an unsettled transaction indicated by the instruction data, an updating means for updating the unsettled transaction storage means based on the amount of the unsettled transaction that has been settled, and an unsettled by the updating means Delete means for deleting customer data whose transaction amount has been updated to 0, and the user device has a display means for displaying the transmitted list on the user device; Receive one or more selected unsettled transactions among the strike, characterized in that a payment specifying means for specifying to perform settlement amounts regarding outstanding transactions the selected.

  The payment method according to the present invention is a payment method in a payment system for performing payment between a user device connected to a network and a billing source server of a billing source company. A list of unsettled transaction charges by customer is read from the unsettled transaction storage means for storing a list of unsettled transactions, and is transmitted to the user device, and instruction data for settlement of unsettled transactions selected by the user device is received. The receiving step, the settlement of the unsettled transaction indicated by the instruction data, the updating step of updating the unsettled transaction storage means based on the amount of the unsettled transaction that has been settled, and the amount of the unsettled transaction by the updating step A deletion step of deleting customer data updated to 0, and the user device displays a table that causes the user device to display the transmitted list A step for receiving a selection of one or more of unsettled trades from among the list, characterized in that it comprises a payment designation step of designating to make a settlement of the amount relating to outstanding transactions the selected.

  As described above, according to the present invention, it is possible to provide a settlement server, a settlement method, and a settlement system for changing a settlement means once selected before a predetermined date to another settlement means. It becomes.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. Here, a case will be described as an example in which after a credit card is once designated as a settlement means, the settlement means is changed to electronic money and payment is made before the settlement date designated by the credit card company. However, the following description does not limit the embodiment of the present invention to a combination of a credit card and electronic money.

  FIG. 1 is a configuration diagram showing an outline of a payment system 100 according to an embodiment of the present invention. The payment system 100 includes a user device 101, a payment server 102, and an electronic money payment center server 103 that are connected to a network 104, respectively. In FIG. 1, for convenience of explanation, one user device 101 and one payment server 102 are shown. However, a plurality of user devices 101 and multiple payment servers 102 may exist.

  The user device 101 may be any device that has a function of connecting to the network 104 and can perform electronic commerce on the screen, and may be, for example, a personal computer (PC) or a mobile phone. Further, the user device 101 can also include a device (for example, a reader / writer that can read and write a non-contact type IC card) and software for making a payment using electronic money.

  The settlement server 102 stores settlement-related information related to electronic commerce performed with the customer, transmits / receives data to / from the user device 101, and performs settlement processing with a financial institution determined for each customer. Has the function to perform. Detailed functions of the settlement server 102 will be described in the description of FIG.

  The electronic money settlement center server 103 is coupled to the user device 101 and the settlement server 102 via the network 104, and performs settlement processing using electronic money. That is, when performing payment using electronic money between the user device 101 and the payment server 102, first, the payment server 102 notifies the electronic money payment center server 103 of a payment request using electronic money. Next, data relating to payment using electronic money is transmitted and received between the user apparatus 101 and the electronic money payment center server 103. When the payment process is completed, the electronic money payment center server 103 notifies the payment server 102 of the completion of the process.

  The network 104 is a network that can transmit and receive data between the user device 101, the payment server 102, and the electronic money payment center server 103, such as the Internet, a local area network (LAN), an extranet, or a wide area network (WAN). There is no particular limitation as long as it is sufficient.

  FIG. 2 is a block diagram showing a detailed configuration of the settlement server 102 according to the embodiment of the present invention. The settlement server 102 includes a CPU 201, settlement related information 202, ROM 203, RAM 204, HDD 205, interface (I / F) 206, privilege information 207, and interest calculation table 208, which are connected to each other.

  The CPU 201 controls the entire settlement server 102. That is, the payment server 102 transmits and receives data to and from the user device 101 and the electronic money payment center server 103 via the network 104, executes various programs executed in the payment server 102, and financial institutions determined for each customer. Controls data transmission and reception related to settlement processing between the two.

  The payment related information 202 is a database that stores payment related information related to electronic commerce handled by the payment server 102. That is, the name, address, credit card number, purchased product name, purchase price, settlement date, privilege point, etc. of a customer who has performed an electronic commerce are stored in the settlement related information 202. Further, as for the payment related information 202, when a payment process is performed with a financial institution determined for each customer when a specific payment date arrives, data related to the payment process is read by the CPU 201, and the read processing is performed. The transmitted data is transmitted to the corresponding financial institution.

  The ROM 203 stores various programs executed on the settlement server 102. For example, the CPU 201 executes a certain program and reads unsettled data from the settlement related information 202 when a predetermined settlement date is reached, and performs settlement by transmitting the read unsettled data to a predetermined financial institution. A RAM 204 is a system work memory for the CPU 201 to operate, and is a memory for temporarily storing various data handled by the settlement server 102. The HDD 205 is a hard disk and can store system software and various data.

  An interface (I / F) 206 is an interface that couples the network 104 and the settlement server 102. When data is transmitted / received between the user apparatus 101 or the electronic money settlement center server 103 and the settlement server 102 via the network 104, an interface (I / F) 206 is provided between the network 104 and the settlement server 102. It plays a role to combine.

  The privilege information 207 is a database that stores points (points) when a privilege is granted according to the transaction status with a customer. For example, when performing prepayment processing using electronic money described in the present embodiment, the CPU 201 reads a predetermined privilege point corresponding to the amount of prepayment from the privilege information 207 and stores it in the payment related information 202. Processing to give to the information about. The interest calculation table 208 allows the CPU 201 to recalculate interest depending on how long the advance payment process is performed before a predetermined date when the advance payment process using the electronic money described in the present embodiment is performed. Used when doing.

  FIG. 3 is a flowchart showing a flow of processing in the settlement server 102 according to the embodiment of the present invention.

  In step S <b> 301, the CPU 201 reads from the payment related information 202 a list related to unsettled transactions for each customer whose payment date has not arrived. When reading a list for an arbitrary customer, information that can identify the customer such as a customer ID and a credit card number is obtained from the user device 101 (for example, using a login screen that allows the customer ID to be input), and the list is read. The CPU 201 temporarily stores the read list in the RAM 204.

  In step S <b> 302, the CPU 201 transmits the list temporarily stored in the RAM 204 to the user apparatus 101 via the interface (I / F) 206 and the network 104. The list data transmitted to the user device 101 is displayed on the screen of the user device 101, as will be described later with reference to FIG. It will be determined whether or not.

  In step S <b> 303, the CPU 201 determines whether or not the data received from the user device 101 includes prepaid target data. That is, it is determined whether or not the data to be paid in advance is included in the data transmitted from the user device 101 to the settlement server 102 in the list displayed on the screen of the user device 101. When the data received from the user device 101 includes data related to an unsettled transaction to be paid in advance in the list transmitted from the payment server 102 to the user device 101, the process proceeds to step S304. On the other hand, if the received data is not data related to an unsettled transaction to be paid in advance in the transmitted list, the processing described in this flowchart ends. The received data is temporarily stored in the RAM 204. An example of a screen for selecting data to be prepaid from the list in the user device 101 will be described later with reference to FIG.

  In step S <b> 304, the CPU 201 performs a settlement process based on the received data stored in the RAM 204. The settlement process is a settlement process different from the settlement process performed when the settlement date arrives. That is, when performing payment using electronic money between the user device 101 and the payment server 102, first, the payment server 102 notifies the electronic money payment center server 103 of a payment request using electronic money. The CPU 201 notifies the data related to the unsettled transaction to be paid in advance described in step S303. Next, data relating to payment using electronic money is transmitted and received between the user apparatus 101 and the electronic money payment center server 103. That is, data related to electronic money is transmitted from the user apparatus 101 to the electronic money settlement center server 103 using a non-contact IC card or the like. In response to this, the electronic money payment center server 103 determines whether payment is possible and transmits the determined result to the user device 101. When the payment process is completed, the electronic money payment center server 103 notifies the payment server 102 of the completion of the process. If the payment process is not completed, the process proceeds to step S308.

  In step S <b> 305, the CPU 201 updates the list related to unsettled transactions for each customer, which is read in step S <b> 301 based on the received data and temporarily stored in the RAM 204. More specifically, among the data of the list regarding unsettled transactions for each customer, data notified of completion of processing from the electronic money settlement center server 103 to the settlement server 102 is updated as “settlement completion” data. For example, if the list read in step S301 is data related to five unsettled transactions, and there are three data related to unsettled transactions to be paid in advance received in step S303, the three data Is notified from the electronic money settlement center server 103 that the processing is completed, the three data are updated as “settlement completed”. Note that the CPU 201 also performs processing for deleting data updated as “settlement complete” from the settlement-related information 202 at a predetermined timing.

  In step S <b> 306, the CPU 201 reads out the corresponding privilege points from the privilege information 207 according to the amount and the number of the received data, and performs a process of giving the privilege points to the customer-related information stored in the settlement related information 202. In step S <b> 307, the CPU 201 notifies the user device 101 that the payment process has been completed. Note that the notification is not limited as long as the user apparatus 101 can confirm that the payment process has been completed, and the means (for example, e-mail) is not limited.

  In step S308, the CPU 201 performs error processing when the settlement processing in the flowchart shown in FIG. 3 is not completed. That is, the CPU 201 clears the list data temporarily stored in the RAM 204 and notifies the user device 101 that an error has occurred. The notification is not limited as long as it can be confirmed that an error has occurred in the user apparatus 101, and its means (for example, e-mail) is not limited.

  FIG. 4 is a diagram illustrating an example of the list transmitted to the user apparatus 101 and displayed on the user apparatus 101 in step S302. In the user apparatus 101, it is possible to select “Yes” or “No” for each piece of data in the list as to whether or not to make a “prepayment” target. When the transmission button is pressed after the selection is completed, the list data is transmitted from the user apparatus 101 to the settlement server 102 via the network 104, and the prepayment process using electronic money is performed as described above. On the other hand, when the cancel button is pressed, a notification to cancel the payment process is transmitted to the payment server 102, and the process ends in step S303 described above.

  In the present embodiment, a case will be described in which interest is generated by multiplying a predetermined interest rate by a price until a predetermined settlement date. In addition, the description which overlaps with the location demonstrated in the said best embodiment is abbreviate | omitted.

  FIG. 5 is a flowchart regarding interest recalculation according to the present embodiment. Note that the processing after step S503 is the same as the processing after step S302 in FIG.

  In step S <b> 501, the CPU 201 reads a list related to unsettled transactions for each customer whose settlement date has not arrived from the settlement related information 202. When reading a list for an arbitrary customer, information that can identify the customer, such as a customer ID and a credit card number, is obtained from the user device 101, and the list is read. The read list is temporarily stored in the RAM 204.

  In step S502, the CPU 201 settles the transaction for which a fee is paid in addition to the price (principal) in the read list regarding the unsettled transaction before the designated settlement date. The amount of the fee is recalculated using the interest calculation table 208 in consideration of whether or not to perform. Further, the CPU 201 updates the list temporarily stored in the RAM 204 according to the recalculated fee amount.

  In step S <b> 503, the CPU 201 transmits the list temporarily stored on the RAM 204 to the user apparatus 101 via the interface (I / F) 206 and the network 104.

(Other embodiments)
In the above-described embodiment, an example has been described in which after a credit card is once designated as a settlement means, the settlement means is changed to electronic money and payment is made before the settlement date designated by the credit card company. However, the embodiment of the present invention is not limited to this. For example, even payments such as account transfer, bank transfer, and convenience store store payment can be made with electronic money on a homepage established by a billing company. In more detail, the customer accesses the homepage established by the billing company, confirms the customer's own payment schedule (for example, the list shown in FIG. 4) on the screen, and the customer is eligible for advance payment. You can specify transactions and make payments with electronic money. In other words, the payment means provided by the billing company is not limited, and the customer can change the payment means once designated using any device connected to the network before the payment date. .

It is a block diagram which shows the outline of the payment system which concerns on one Embodiment of this invention. It is a block diagram which shows the detailed structure of the payment server which concerns on one Embodiment of this invention. It is a flowchart which shows the flow of a process in the payment server which concerns on one Embodiment of this invention. It is a figure which shows an example of the list | wrist transmitted to a user apparatus and displayed. It is a flowchart regarding interest recalculation which concerns on one Embodiment of this invention.

Explanation of symbols

101 User device 102 Payment server 103 Electronic money payment center server 104 Network 201 CPU
202 Settlement-related information 203 ROM
204 RAM
205 HDD
206 Interface (I / F)
207 Bonus information 208 Interest calculation table

Claims (20)

A payment server that is connected to a user device via a network and executes processing of unsettled charges before a specific payment date,
An unsettled list transmission unit that reads the list from an unsettled list storage unit that stores a list of unsettled charges for each customer before the specific settlement date, and transmits the read list to the user device;
Receiving means for receiving from the user device an unsettled fee to be paid in advance in the list;
The settlement process of the received unpaid charge subject to the prepayment is performed, and the list stored in the unpaid list storage unit based on the unpaid charge targeted for the prepayment for which the settlement process has been executed A payment server comprising: a payment update means for updating.   The settlement server according to claim 1, wherein settlement is performed using electronic money when executing a settlement process for an unsettled fee to be paid in advance.   The settlement server according to claim 1, further comprising notification means for notifying the user device of completion of the update when the settlement update means is updated. Privilege information storage means for storing customer data including privilege information;
A bonus grant calculating means for updating bonus information in the customer data based on a numerical value of the bonus points to be added, which is determined according to a prepaid amount when updated by the payment updating means. The settlement server according to any one of claims 1 to 3. A payment method in a payment server that is connected to a user device via a network and executes processing of unsettled charges before a specific payment date,
An unsettled list transmission step of reading the list from an unsettled list storage unit that stores a list of unsettled charges for each customer before the specific settlement date, and transmitting the read list to the user device;
Receiving from the user device an unsettled fee to be paid in advance from the list;
The settlement process of the received unpaid charge that is subject to the prepayment is performed, and the list stored in the unpaid list storage unit based on the unpaid charge that is the prepayment target that has been subjected to the settlement process A settlement update step for updating the settlement method.   6. The settlement method according to claim 5, wherein settlement is performed using electronic money when executing a settlement process for an unsettled fee to be paid in advance.   The settlement method according to claim 5, further comprising a notification step of notifying the user apparatus of completion of the update when updating is performed by the settlement update step. A payment method in the payment server further comprising privilege information storage means for storing customer data including privilege information,
When the payment is updated by the settlement update step, it is further provided with a privilege grant calculation step for updating the privilege information in the customer data with the numerical value of the privilege point to be added, which is determined according to the amount of the advance payment. The settlement method according to any one of claims 5 to 7. A payment system in which a user device and a payment server are connected via a network and process unsettled charges before a specific payment date,
An unsettled list transmission unit that reads the list from an unsettled list storage unit that stores a list of unsettled charges for each customer before the specific settlement date, and transmits the read list to the user device;
Receiving means for receiving from the user device an unsettled fee to be paid in advance in the list;
The settlement process of the received unpaid charge that is subject to the prepayment is performed, and the list stored in the unpaid list storage unit based on the unpaid charge that is the prepayment target that has been subjected to the settlement process A payment system comprising: a payment update means for updating.   10. The settlement system according to claim 9, wherein settlement is performed using electronic money when executing a settlement process for an unsettled fee to be paid in advance.   The payment system according to claim 9, further comprising notification means for notifying the user device of completion of update when the payment is updated by the payment update means. Privilege information storage means for storing customer data including privilege information;
A bonus grant calculating means for updating bonus information in the customer data based on a numerical value of the bonus points to be added, which is determined according to a prepaid amount when updated by the payment updating means. The payment system according to any one of claims 9 to 11. In a payment system for performing payment between a user device connected to a network and a billing server of a billing company,
The billing server is
Unsettled transaction storage means for storing a list of unsettled transactions by customer;
A transmitting means for reading a list of unpaid charges by customer from the unsettled transaction storage means and transmitting the list to the user device;
Receiving means for receiving instruction data to settle an unsettled transaction selected by the user device;
Updating the unsettled transaction storage unit based on the amount of the unsettled transaction that has settled, as well as settlement of the unsettled transaction indicated by the instruction data;
Deleting means for deleting customer data in which the amount of unsettled transactions has been updated to 0 by the updating means,
The user equipment is
Display means for causing the user device to display the transmitted list;
A payment system comprising: a charge payment specifying means for receiving selection of one or a plurality of unsettled transactions from the list and designating settlement of an amount related to the selected unsettled transactions .   14. The settlement system according to claim 13, wherein settlement is performed using electronic money when the unsettled transaction is settled.   14. The settlement system according to claim 13, further comprising a notification unit that notifies the user device of processing completion after being updated by the update unit. Privilege information storage means for storing customer data including privilege information;
A bonus grant calculating means for updating the bonus information of the customer data with the numerical value of the bonus points to be determined, which is determined according to the amount of the unsettled transaction when updated by the updating means; The settlement system according to any one of claims 13 to 15, wherein the settlement system is characterized in that: A settlement method in a settlement system that performs settlement between a user device connected to a network and a billing source server of a billing source company,
The billing server is
A transmission step of reading a list of unsettled charges by customer from an unsettled transaction storage means for storing a list of unsettled transactions by customer, and transmitting the list to the user device;
A receiving step of receiving instruction data to settle an unsettled transaction selected by the user device;
An update step of performing settlement of an unsettled transaction indicated by the instruction data and updating the unsettled transaction storage unit based on the amount of the unsettled transaction that has been settled;
A deletion step of deleting customer data in which the amount of unsettled transactions has been updated to 0 by the updating step, and
The user equipment is
A display step for causing the user device to display the transmitted list;
A payment method for receiving a selection of one or more of the unsettled transactions from the list, and specifying a payment of an amount related to the selected unsettled transactions. .   18. The settlement method according to claim 17, wherein settlement is performed using electronic money when the unsettled transaction is settled.   The settlement method according to claim 17, further comprising a notification step of notifying the user device of completion of processing from the billing source server after being updated in the updating step. In the billing server, a payment method in a payment system further comprising privilege information storage means for storing customer data including privilege information,
In the case of updating by the updating step, a bonus grant calculating step of updating bonus information in the customer data with a numerical value of bonus points to be added, which is determined according to the amount of unsettled transactions, is further provided. The settlement method according to any one of claims 17 to 19.

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