JP2002183635A - Electronic payment system - Google Patents

Abstract

(57) [Summary] [PROBLEMS] To provide an electronic payment system which is highly secure, can perform cashless payment at a low cost and immediately, and can perform the payment. A customer account storage unit stores a customer account in which electronic money corresponding to a customer's possession is recorded, and a store in which a store account in which electronic money corresponding to the store's possession is recorded is stored. The provision of the account storage unit 22 and the electronic money transfer means 20 for transferring electronic money corresponding to the payment amount from the customer account to the store account based on the payment confirmation data received from the customer terminal, If there is a balance more than the payment amount, it is possible to settle immediately. Moreover, there is no fear of plagiarism and the like, and the safety is extremely high. In addition, since the number of remittances with financial institutions can be reduced, remittance costs can be extremely low.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic settlement system using a communication line or the like.

[0002]

2. Description of the Related Art In recent years, with the explosive spread of the Internet, electronic commerce such as online shopping has been actively performed. Such electronic commerce includes not only transactions between traders and consumers such as so-called online shopping (BtoC transactions), but also transactions between traders (BtoB transactions) and consumers such as auctions established on homepages. Trading (CtoC trading)
Various types of commercial transactions are performed.

[0003]

In such electronic commerce such as online shopping, an online electronic payment method using a credit card or a prepaid card has become widespread. However, in commercial transactions at physical stores where customers go to physical stores, such as food and drinks and beauty services, to receive services, some credit card and debit card payments are also performed. Is the mainstream.

[0004] However, cash settlement has the inconvenience of always carrying cash, and therefore it is desirable for customers to make cashless settlement. on the other hand,
Credit cards have a risk of being stolen or overused, so some customers tend to avoid using them, and stores have the disadvantage of delaying settlement. Further, in the debit card system, although immediate settlement is possible, since remittance is performed via a plurality of financial institutions on the system, there is a problem that remittance cost is high. Under such circumstances, there has been a strong demand for the development of a cashless payment system that is highly secure and can perform instant payment at low cost.

The present invention has been made in view of such circumstances, and has as its object to provide an electronic payment system that is highly secure, can perform cashless payment immediately at low cost.

[0006]

In order to achieve the above object, an electronic settlement system according to the present invention is an electronic settlement system using a computer device, in which electronic money corresponding to a payer's possession is recorded. A payer account storage unit in which a payer account is stored, a requester account storage unit in which a requester account in which electronic money corresponding to the claimant's possession is recorded, and payment details received from the payer terminal And electronic money transfer means for transferring electronic money corresponding to the payment amount from the payer account to the claimant account based on the confirmation data.

[0007] That is, the electronic settlement system of the present invention comprises:
A payer account storage unit in which a payer account in which electronic money corresponding to the payer's possession is recorded is stored, and a biller account in which electronic money corresponding to the claimant's possession is recorded, is stored. Account storage unit and electronic money transfer means for transferring electronic money corresponding to the payment amount from the payer account to the claimant account based on the payment confirmation data received from the payer terminal. For this reason, it is possible to settle immediately if there is a balance exceeding the payment amount in the payer account. Moreover, there is no fear of plagiarism and the like, and the safety is extremely high. In addition, since the number of remittances with financial institutions can be reduced, remittance costs can be extremely low.

[0008] In the electronic settlement system of the present invention, means for receiving billing data for the payer from the claimant terminal, a billing data storage unit for storing the billing data, and transmitting the billing data to the payer terminal. And means for transmitting the billing data from the claimant terminal, which is suitable for, for example, the settlement of a commercial transaction at an actual store. Further, since the billing data is transmitted to the payer terminal, the payer can check the billing amount, which is his or her own payment amount. Further, since the billing data is stored, the data history and the like can be confirmed when there is a trouble in the billing amount.

In the electronic settlement system of the present invention, there is provided a means for receiving, from the payer terminal, payment data confirmation data for the billing data transmitted to the payer terminal, or the billing data stored in the billing data storage section. If the electronic money corresponding to the charge is to be transferred from the payer account to the claimant account based on, the payer checks the amount of the charge, Since the payment is performed, it is possible to prevent a trouble in which the amount of money used by the payer or more is deducted, or a payment that is unknown to the user is deducted.

In the case where the electronic payment system of the present invention includes means for transmitting payment data including a payment amount corresponding to the electronic money moved from the payer account to the claimant account to the claimant terminal, The claimant can create a settlement history or the like based on the acquired settlement data and use it for payer management such as customer management.

In the electronic settlement system of the present invention, the requester is a store, the payer is a customer who uses the store, means for receiving reservation data for reserving use of the store from the customer terminal, And a means for transmitting the reservation data to the store terminal, the customer can make a reservation for use of the store using the customer terminal, and the store accepts the reservation. You are freed from the effort of doing it yourself.

In the electronic settlement system of the present invention, the reservation data includes customer identification information, and means for transmitting reservation data including customer identification information to the shop terminal; If there is a means for receiving the billing data generated from the store terminal, the store can obtain the customer identification information of the customer by the reservation of the customer, so when creating the billing data,
Billing data is generated simply by inputting the usage amount of the customer.

[0013]

Next, embodiments of the present invention will be described in detail.

FIG. 1 is a block diagram showing one embodiment of the electronic settlement system of the present invention. In the figure, reference numeral 1 denotes a settlement server (hereinafter, referred to as “server”), which is connected to the Internet via a route control device and a telephone line. Hereinafter, in this example, a case where the claimant of money is a store and the payer is a customer who has used the store will be described as an example.

Reference numeral 2 denotes a store terminal operated by a store as a claimant, and reference numeral 3 denotes a customer terminal operated by a customer as a payer. The store terminal 2 and the customer terminal 3
Each has an input unit such as a keyboard, a mouse, and buttons together with a display unit such as a CRT and an LCD. The store terminal 2 and the customer terminal 3 are connected to the Internet similarly to the server 1.

FIG. 2 is a system configuration diagram showing the server 1.

In FIG. 1, reference numeral 10 denotes transmission / reception control means for controlling data transmitted to the shop terminal 2 and the customer terminal 3 and data received from the shop terminal 2 and the customer terminal 3.

A store account storage unit 22 stores a plurality of store account files 24 created for each store. In the store account file 24, information such as a store ID for identifying the store, a password, an account number, and a balance held by the store in the form of electronic money is recorded. Although not shown, various store-specific information such as the name, business type, address, telephone number, facsimile number, and mail address are also stored in the store account file 2.
4 recorded.

Reference numeral 23 denotes a customer account storage unit which stores a plurality of customer account files 25 created for each customer. In the customer account file 25, information such as a customer ID for identifying the customer, a password, an account number, and a balance held by the customer in the form of electronic money is recorded. Although not shown, names, addresses, telephone numbers, facsimile numbers, mail addresses, etc.
Various customer-specific information is also recorded in the customer account file 25.

Reference numeral 20 denotes electronic money transfer means for transferring electronic money between the customer account file 25 and the store account file 24, such as transferring a bill from the customer account file 25 to the store account file 24. Reference numeral 21 denotes a remittance means, which is connected to a financial institution including a bank, a post office, a credit company, and the like via a telecommunication line, and is used to transfer funds between an account of the financial institution and a store account storage unit 22 and a customer account storage unit 23. Make a move.

Reference numeral 19 denotes a billing data storage unit which stores billing data received from the shop terminal 2 for the customer. The billing data includes, for example, data such as a store name, a store ID, a customer name, a customer ID, a store use date, a use content, and a bill amount.

In the present system, the billing data received from the shop terminal 2 is stored in the billing data storage 19 and transmitted to the customer terminal 3. And
The payment data for the billing data transmitted to the customer terminal 3 is received from the customer terminal 3, and the electronic money transfer means 20 transfers electronic money corresponding to the bill from the customer account file 25 to the store account file 24. Payment.

A settlement data storage unit 18 stores settlement data relating to settlement made by the electronic money moving means 20. Examples of the settlement data include a store name, a store ID, a customer name, a customer ID,
The data includes the date of use of the store, the content of use, the settlement date, the settlement amount, and the like. The payment data is stored in the payment data storage unit 18.
And is also transmitted to the shop terminal 2.

Reference numeral 17 denotes a reservation data storage unit which stores the reservation data of the store received from the customer terminal 3.
When the reservation data is received from the customer terminal 3, it is confirmed that the reservation can be made in comparison with the reservation status already stored in the reservation data storage 17, and the reservation is accepted. It is stored in. The reservation data includes, for example, data such as a store name, a customer name, a customer ID, a planned use date, details of use, and the number of users.

Reference numeral 11 denotes control means, which includes the transmission / reception control means 10, the billing data storage unit 19, and the settlement data storage unit 1.
8. Data processing and control between the reservation data storage unit 17 and the electronic money transfer means 20 are performed. The control means 11 includes a confirmation data receiving unit 16 for processing data transmitted to and received from the electronic money moving means 20,
A billing data transmitting / receiving unit 15 for processing data transmitted to and received from the billing data storage unit 19;
A settlement data transmission / reception unit 14 for processing data transmitted / received between the reservation data storage unit 17, a reservation data transmission / reception unit 12 for processing data transmitted / received to / from the reservation data storage unit 17, and a reservation status confirmation unit 13. .

The billing data transmitting / receiving unit 15 stores a store name, a store ID, a customer name, a customer ID, a store use date,
Data related to the billing content transmitted from the shop terminal 2 such as the usage content of the store and the billing amount is received and stored in the billing data storage unit 19. The billing data transmitting / receiving unit 15
Copies the billing data stored in the billing data storage unit 19 and transmits it to the customer terminal 3.

The confirmation data receiving section 16 is provided for the customer terminal 3
Confirmation data such as the amount paid by the customer for the billing data transmitted to the customer terminal 3 is received from the customer terminal 3. Further, the confirmation data receiving unit 16 sends an instruction to start payment to the electronic money moving means 20 based on the confirmation data received from the customer terminal 3.

The settlement data transmitting unit 14 copies the settlement data stored in the settlement data storage unit 18, such as the name of the store, the name of the customer, the date of use of the store, the contents of use, the settlement date, and the settlement amount. To the store terminal 2.

The reservation data transmitting / receiving section 12 stores the name of the store, the name of the customer, the customer ID, the expected use date, the contents of use,
The reservation data such as the number of users is received from the customer terminal 3. The reservation data transmitting / receiving unit 12 includes a reservation status confirmation unit 1
After confirming the reservation status by 3 and accepting the reservation,
The received reservation data is transmitted to the shop terminal 2.

The reservation status confirmation unit 13 has already received the reservation data received from the customer terminal 3 and
Then, it is confirmed whether or not the reservation is possible by comparing with the reservation status stored in 7. If the reservation is possible, the reservation is accepted, and the received reservation data is stored in the reservation data storage unit 17. By doing so, the customer can use the customer terminal 3
Can be used to make a reservation for store use, and the store is freed from the effort of receiving reservations by itself.

FIG. 3 is a system configuration diagram showing the shop terminal 2.

In the figure, reference numeral 30 denotes transmission / reception control means, which controls data transmitted to the server 1 and data received from the server 1.

Reference numeral 37 denotes a reservation data storage unit which stores the reservation data of the store received from the server 1. The reservation data is data that, when received from the customer terminal 3, the server 1 confirms that the reservation status can be reserved by the reservation status confirmation unit 13 in comparison with the reservation status already reserved. The reservation data includes, for example, the name of the store, the name of the customer, the customer ID, the scheduled use date, the content of use,
Data such as the number of users is included.

Reference numeral 38 denotes a billing data storage, and the server 1
The billing data generated by using the reservation data received from is stored. A payment data storage unit 36 stores the payment data received from the server 1.

Reference numeral 31 denotes control means, which is the transmission / reception control means 30, the billing data storage unit 38, and the settlement data storage unit 3.
6, processing and control of data performed with the reservation data storage unit 37. The control means 31 includes a reservation data transmitting / receiving section 33 for processing data transmitted / received to / from the reservation data storage section 37, and data transmitted / received between the reservation data storage section 37 and the billing data storage section 38. A billing data generator 34 for processing, and a billing data storage 38
A payment data transmitting / receiving unit 35 for processing data transmitted / received between them, and a payment data receiving unit 32 for processing data transmitted / received to / from the payment data storage unit 36.

The reservation data transmission / reception section 33 includes the server 1
The reservation data transmitted from the store is received and stored in the reservation data storage unit 37. Further, the billing data generating unit 34 generates billing data including the billing amount when the customer uses the store based on the reservation. In generating the billing data, customer identification information such as a customer ID and a customer name in the reservation data stored in the reservation data storage unit 37 is used. By doing so, the store can obtain the customer identification information of the customer by the reservation of the customer, so that the billing data can be generated only by inputting the usage amount of the customer when creating the billing data.

The billing data transmitting / receiving unit 35 transmits the billing data generated in the billing data storage unit 38 to the server 1. Further, the payment data receiving unit 32 receives the payment data transmitted by the server 1 and stores it in the payment data storage unit 36.

Next, an outline of the operation of the electronic settlement system will be described with reference to a chart shown in FIG.

First, the reservation data is transmitted from the customer terminal 3 to the server 1 (1), and the reservation data received by the server 1 is transmitted to the store terminal 2 (2). Then
The customer uses the store based on the received reservation data, and the store charges money based on the use (3).

Next, billing data including the billing amount for the customer's use of the store is transmitted from the store terminal 2 to the server 1 (4), and transmitted from the server 1 to the customer terminal 3 (5). Then, confirmation data such as the billing amount for the received billing data is transmitted from the customer terminal 3 to the server 1 (6), and the server 1 receives the confirmation data and stores the electronic money corresponding to the billing amount from the customer account to the store account. And settle (7). After that, the settlement data is transmitted from the server 1 to the shop terminal 2 (8).

Next, details of the operation of the electronic settlement system will be described with reference to a flowchart shown in FIG. In the figure, "S" means a step.

First, the reservation data is transmitted from the customer terminal 3 to the server 1 (S100), and the reservation data transmitting and receiving unit 12 of the server 1 receives the reservation data (S110). Next, the reservation status confirmation unit 13 of the server 1
In step S12, the reservation status is confirmed by comparing the reservation data already received and stored in the reservation data storage unit 17 with the received reservation data.
0).

If the received reservation data does not overlap with the already received reservation data, the received reservation data is received and stored in the reservation data storage unit 17 (S
130). Then, the reservation data stored in the reservation data storage unit 17 is copied and transmitted to the shop terminal 2 (S1).
40), the shop terminal 2 receives the transmitted reservation data and stores it in the reservation data storage unit 37 (S150).

Next, the customer uses the store based on the reservation. For example, if the store is a restaurant, enjoy eating and drinking, and if the store is a beauty salon, use it for cutting and perming. When the customer uses the store, the store is charged a predetermined amount of money to the customer.

Next, in the shop terminal 2, the billing data generating section 34 generates billing data relating to the bill generated by the customer using the shop (S160). At this time, the customer ID of the reservation data stored in the reservation data
The store can use the customer identification information such as the customer name and the like, and the store can generate the billing data only by inputting the usage amount of the customer. Then, the generated billing data is transmitted to the server 1 (S170).

In the server 1, the billing data transmitted from the shop terminal 2 is received by the billing data transmitting / receiving unit 15 (S180), and is stored in the billing data storage unit 19 (S190), and the stored billing data is copied. To the customer terminal 3 (S200).

The customer terminal 3 receives the billing data transmitted from the server 1 (S210), and transmits confirmation data of billing contents such as a billing amount for the received billing data (S220).

Then, in the server 1, the confirmation data is received by the confirmation data receiving unit 16, and an instruction to start settlement is sent to the electronic money moving means 20 based on the received confirmation data (S230). Next, the electronic money moving means 20 reads out the billing data including the billing amount, the store ID, and the customer ID from the billing data storage unit 19 based on the received confirmation data (S240), and stores the electronic money corresponding to the billing amount into the corresponding electronic money. The customer account file 25 is moved to the store account file 24 to perform settlement (S250).

Here, payment to the customer account file 25 and the store account file 24 and withdrawal from the customer account file 25 and the store account file 24 are performed by the remittance means 21.
Is performed by transferring funds to and from financial institutions such as banks, post offices, and credit companies via a telecommunication line.

Next, the electronic money transfer means 2 of the server 1
0, payment data relating to the payment is created (S26).
0), the created payment data is stored in the payment data storage unit 18 (S270), and transmitted to the shop terminal 2 (S280). The shop terminal 2 receives the payment data transmitted from the server 1 (S290) and stores it in the payment data storage unit 36 (S300).

As described above, according to the above-mentioned system, it is possible to settle immediately if there is a balance exceeding the payment amount in the customer account file 25. In addition, there is no fear of plagiarism like a credit card, and the security is extremely high. In addition, since the number of remittances with financial institutions can be reduced, remittance costs can be extremely low. In addition, since the billing data is received from the store terminal 2, it is suitable for settlement of commercial transactions at the actual store, and the billing data is stored. You can check.

Further, in the above-mentioned system, since the settlement is performed after the customer confirms the billing amount which is the customer's own payment amount, the amount more than the amount used by the customer is debited, or the payment amount which the customer does not recognize is reduced. Troubles such as being withdrawn can be prevented. Further, the store can create a settlement history or the like based on the acquired settlement data and use it for customer management and the like.

In the above embodiment, the case where the claimant of money is a store and the payer is a customer who uses the store (BtoC transaction) has been described. However, application of the present invention is not limited to this. It does not do. In other words, the present invention can be applied to a case where money is charged and paid in a customer-to-customer (CtoC transaction) or a case where money is charged and paid in a store-to-store (BtoB transaction).

For example, as a settlement between a customer and a customer, in the case where a secretary pays a group dinner price on behalf of a group, and as a settlement, the secretary bills another member for a head payment and settles it. The present invention can be applied. Further, as the settlement between stores, the present invention can be applied to, for example, settlement for purchasing ingredients at restaurants. As described above, in the present invention, the claimant includes all natural persons, corporations, organizations, and the like who seek payment from the payer, and the payer is a natural person or corporation that pays the claimant. , Groups, etc., and is not particularly limited.

Further, in each of the above-mentioned embodiments, the object of the transaction that causes the claimant to make a request is not limited to the goods and services that can be distributed, but is provided, for example, as securities or online. The purpose is to include various kinds of software such as computer programs, music, and images, and information on paid sites.

In the above embodiment, the remittance means 21 transfers funds between the credit company and the credit company via a telecommunication line, and lends the funds by depositing the funds into the customer account file 25 or the store account file 24 ( Cashing), reimbursement (credit), and the like can also be performed.

In each of the above embodiments, not only the computer device but also a portable terminal can be used for the store terminal 2 and the customer terminal 3.

[0058]

As described above, according to the electronic settlement system of the present invention, a payer account storage unit for storing a payer account in which electronic money corresponding to the money owned by the payer is stored,
A claimant account storage unit that stores a claimant account in which electronic money corresponding to the claimant's possession is recorded, and a payer account to a claimant account based on payment data confirmation data received from a payer terminal Electronic money moving means for moving electronic money corresponding to the payment amount. For this reason, it is possible to settle immediately if there is a balance exceeding the payment amount in the payer account. Moreover, there is no fear of plagiarism and the like, and the safety is extremely high. In addition, since the number of remittances with financial institutions can be reduced, remittance costs can be extremely low.

[Brief description of the drawings]

FIG. 1 is a block diagram showing an embodiment of a bill issuing agency system of the present invention.

FIG. 2 is a system configuration diagram showing a server.

FIG. 3 is a system configuration diagram showing a store terminal.

FIG. 4 is a chart showing an example of an operation outline of the system.

FIG. 5 is a chart showing an example of operation details of the system.

[Explanation of symbols]

 20 Electronic money transfer means 22 Store account storage unit 23 Customer account storage unit

Claims (7)

[Claims] 1. An electronic payment system using a computer device, wherein a payer account storage unit for storing a payer account in which electronic money corresponding to the payer's possession is recorded; A biller account storage unit that stores a biller account in which electronic money corresponding to is stored, and corresponds to the payment amount from the payer account to the biller account based on the payment content confirmation data received from the payer terminal. An electronic payment system, comprising: electronic money moving means for moving electronic money. 2. A means for receiving billing data for a payer from a claimant terminal, a billing data storage unit for storing the billing data, and a means for transmitting the billing data to the payer terminal. The electronic payment system according to claim 1, further comprising: 3. The electronic settlement system according to claim 2, further comprising: means for receiving, from the payer terminal, payment data confirmation data for the billing data transmitted to the payer terminal. 4. The electronic money transfer system according to claim 2, wherein electronic money corresponding to the billed amount is transferred from the payer account to the biller account based on the billing data stored in the billing data storage unit. Electronic payment system. 5. A means for transmitting payment data including a payment amount corresponding to electronic money transferred from a payer account to a claimant account to a claimant terminal.
An electronic payment system according to any one of the preceding claims. 6. A requester is a store, a payer is a customer who uses the store, means for receiving reservation data for reserving use of the store from a customer terminal, and reservation data storage for storing the reservation data. And a means for transmitting the reservation data to the store terminal.
The electronic payment system according to any one of claims 5 to 10. 7. The reservation data includes customer identification information,
Claims comprising means for transmitting reservation data including customer identification information to the shop terminal, and means for receiving billing data generated using the customer identification information from the reservation data from the shop terminal. Item 7. The electronic settlement system according to Item 6.