JP2017090989A - Electronic settlement system and electronic settlement method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an electronic payment system and an electronic payment method for promoting a regional recycling type transaction. An electronic payment system has a user information storage means that stores identification information of a user who can be a payer or a payee and a registered place in association with each other, and an identification that acquires the identification information of the payer and the payee. The registered place of the payer and the payee is acquired from the user information storage means based on the information acquisition means and the identification information of the payer and the payee, and the registered place of the payer and the registration of the payee are registered. It is provided with a settlement fee deriving means for deriving a settlement fee according to a remittance distance, which is the distance to the ground, and a billing means for charging the settlement fee. [Selection diagram] Fig. 3

Description

  The present invention relates to an electronic payment system and an electronic payment method.

  2. Description of the Related Art Conventionally, an electronic settlement system that settles currency as electronic information is known.

JP 2002-56338 A

  In recent years, the adverse effects of the globalization of the market economy have become prominent, and the ideal way of a regional recycling economy is being sought. However, the conventional electronic payment system is a technology for smoothly proceeding with the transaction irrespective of the location of the transaction party, and is not intended for a regional circulation type economy.

  An object of the present invention is to provide an electronic settlement system and an electronic settlement method that promote regional circulation-type transactions.

  An electronic settlement system for solving the above-described problems includes a user information storage means for storing a user's identification information that can be a payer or a recipient and a registration location in association with each other, and identification information of the payer and the recipient. Acquired identification information acquisition means, and based on the identification information of the payer and the payee, the payer and the payee registration location are acquired from the user information storage means, and the payer registration location and the receiving location are acquired. A settlement fee deriving unit for deriving a settlement fee according to a remittance distance which is a distance of a person's registered place; and a charging unit for charging the settlement fee.

  Here, the identification information may be information that can uniquely identify the user, and is not limited to a code combining characters, but may be a barcode, a fingerprint, a face image, or a voice. The registered location may be information that can uniquely identify a point or a region, and is not limited to a combination of an administrative region name, a place name, and an address, and may be a latitude / longitude, a postal code, or an area code. The remittance distance is not limited to the information indicating the length, but may be any information indicating the geographical distance between the registered locations of the transaction parties (payers and payees). It may be the time required to move between the payer and payee registration locations, the number of administrative boundaries between the registration locations of the transaction parties, or the difference in the postal codes of the transaction parties. It may be the difference in the area code or the number of rivers existing between the registered locations of the transaction parties. The remittance distance may be a straight distance or the length of the road connecting the payer and the recipient's registered location.

  According to the present invention, since the remittance distance is derived from the registered location of the transaction party registered in advance and the settlement fee is derived according to the remittance distance, the settlement cost for short-distance transactions is lower than the settlement cost for long-distance transactions. Lower. Therefore, regional circulation type transactions can be promoted.

It is a block diagram concerning the embodiment of the present invention. It is a data structure figure concerning embodiment of this invention. It is a sequence chart concerning the embodiment of the present invention. It is a data structure figure concerning embodiment of this invention. It is a screen block diagram concerning embodiment of this invention. It is a sequence chart concerning the embodiment of the present invention. It is a screen block diagram concerning embodiment of this invention. It is a screen block diagram concerning embodiment of this invention. It is a screen block diagram concerning embodiment of this invention.

  Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings. In addition, the same code | symbol is attached | subjected to the corresponding component in each figure, and the overlapping description is abbreviate | omitted.

1. System Configuration The electronic settlement system according to the present embodiment is a system for managing deposits in the supplementary currency F and executing settlement for transactions using the supplementary currency F, and using a communication line such as the Internet or a public telephone communication network. It includes a connected payment server 1 and an arbitrary number of payment terminals 21-25. The complementary currency F is an accounting number managed by the settlement server 1, and in this embodiment, one unit of the complementary currency F and one unit of the legal currency are equivalent.

The payment terminal only needs to be a computer system having a communication function with the payment server 1, and is composed of PCs 21 and 22, a register 23, a smartphone 24, a credit card payment terminal 25, and the like. The settlement server 1 may be composed of a single computer system or a distributed processing system composed of a plurality of computer systems.
The settlement server 1 includes an external storage 11, a main memory (not shown), a processor, an input / output mechanism, and a communication unit.

  The settlement server 1 functions as a settlement fee deriving unit 14, a billing unit 15, a deposit management unit 16, and a communication unit 17 by executing an electronic settlement program by a processor. The external storage 11 functioning as user information storage means stores product information 111, user information 112, transaction history 113, and deposit history 114 that are registered and read out by a DBMS (Data Base Management System).

  Each record of the product information 111 includes a product name, an identifier, a price, a category, a free keyword, and a user ID of the seller.

  Each record of the user information 112 includes an ID, a zip code, and a registered name of a user who can be a payer or a payee as shown in FIG. 2A. The ID is identification information for uniquely identifying the user. The postal code is the postal code of the user's head office location. Users with multiple offices must register the postal code of the head office location. Such a zip code is considered the registered location of the user. The registered name is a corporate name or an individual name. The postal code and registered name are associated with the ID. The user information 112 includes other fields such as an e-mail address, a telephone number, and an address, but since it has a well-known configuration, detailed description thereof is omitted.

  Each record of the deposit history 114 includes a transaction ID, a transaction date, a business partner ID, a deposit amount, a withdrawal amount, and a deposit balance for each user, as shown in FIGS. 2B and 2C. The unit of deposit amount, withdrawal amount, deposit balance and settlement amount is a unit of supplementary currency F used for transactions managed by the settlement server 1, and is “F” in this embodiment.

  Each record of the transaction history 113 includes a transaction ID, a transaction date, a payer ID, a payee ID, and a settlement amount as shown in FIG. 2D. The payer ID is the payer's user ID in the transaction, and the payee ID is the payee's user ID in the transaction. The transaction history 113 includes a record indicating settlement between the operator of the electronic settlement system and each user. Payment between the operator of the electronic payment system and each user includes payment of a payment fee from each user to the operator. The user ID of the operator of the electronic payment system is indicated by “000” in the figure.

  The communication means 17 communicates with the payment terminal 21-25 using a protocol such as HTTP, FTP, SMTP, etc., thereby acquiring transaction information and a payment instruction from the payment terminal 21-25 and delivering them to the charging means 15 or charging. A settlement fee and a settlement completion notification are acquired from the means 15 and transmitted to the settlement terminal 21-25.

  The settlement fee deriving unit 14 obtains the registration locations of the payer and the recipient from the external storage 11 based on the payer and recipient user IDs included in the transaction information, and derives a settlement fee according to the remittance distance. In this embodiment, the remittance distance is the shortest distance of the road connecting the payer and the recipient's registered land, and the unit is “km”. Such a remittance distance may be derived using a road information service provided by an external server, or a postal code, an address, and road information are stored in the external storage 11 in association with each other. It may be derived with reference to information. Since the registered place indicated by the zip code is an area having a certain area rather than a point, the registered place is regarded as a representative point of the area indicated by the zip code. The settlement fee can be derived by referring to a table, conditional branch processing, or substitution into a mathematical expression. In this embodiment, as shown in FIG. 2E, a settlement fee is derived by combining a table in which a remittance distance category and a settlement fee rate are associated, a remittance distance determination process, and a multiplication of the settlement fee rate and the transaction amount. That is, the settlement fee deriving means 14 derives the shortest distance of the road connecting the payer and the recipient's registered place from the two postal codes, and the derived shortest distance of the road is any remittance distance set in the table of FIG. 2E. Judge whether it falls under the category, and derive the settlement fee according to the remittance distance category and the transaction amount.

  The charging unit 15 charges each user with a deposit fee and a settlement fee. Deposit fees are derived according to deposit balance and deposit period. In the present embodiment, it is assumed that the payment fee is charged to the payer entirely in F, and the deposit fee is charged to the depositor in legal currency. The unit of holding period is “day”.

  The deposit management means 16 updates the deposit balance of the trading party in accordance with the F-denominated settlement amount. Here, the settlement amount processed by the deposit management means 16 includes a settlement fee representing the amount of F-denominated transaction between the operator of the electronic settlement system and each user, but does not include the deposit fee denominated in the legal currency.

2. Electronic payment method (face-to-face payment)
Next, an electronic payment method for face-to-face payment using the payment server 1, the payment terminal 23 installed at the recipient's office, and the credit card 26 or the smartphone 24 possessed by the payer will be described. The credit card 26 and the smartphone 24 include a nonvolatile storage medium that stores payer identification information and a near-field wireless communication function. The payment terminal 23 transmits an transaction information and a payment instruction to the payment server, an NFC reader for receiving identification information from the credit card 26 or the smartphone 24 by near field wireless communication, a key for inputting the transaction amount, and the payment terminal. Communication function.

  First, as shown in FIG. 3, the payee inputs the transaction amount into the payment terminal 23, and the user who becomes the payer causes the payment terminal to read the identification information (user ID) from the credit card 26 or the smartphone 24 (S100, S200). At this time, the payer may be requested to input the password to the payment terminal 23. Either the transaction amount or the identification information may be input first.

  Next, the settlement terminal 23 transmits the identification information of the payer and the recipient and the transaction amount to the settlement server 1 as transaction information (S202).

  When the transaction information is received, the settlement fee deriving unit 14 of the settlement server 1 derives the remittance distance based on the identification information of the payer and the recipient (S300), and derives the settlement fee (S302). Specifically, first, the settlement server 1 acquires the payer and payee registration locations (zip code) from the user information using the user ID as identification information as a key. Next, the settlement server 1 transmits the payer and payee registration locations to the external server, and obtains the remittance distance from the payer registration location to the payee registration location derived by the external server. Next, the settlement server 1 determines to which of the remittance distance categories stored in the table shown in FIG. 2E the remittance distance acquired from the external server belongs, and sets the remittance distance category to which the remittance distance acquired from the external server belongs. Get the corresponding settlement fee rate from the table. Next, the settlement server 1 derives the settlement fee in F by multiplying the transaction amount acquired as the transaction information by the settlement fee rate. For example, when the remittance distance is 212 km and the transaction amount is 50,000 F, the settlement fee rate is 2% corresponding to the remittance distance category 200 to 300 km, and the settlement fee is 1000 F.

  Next, the communication means 17 of the settlement server 1 transmits the transaction amount and the settlement fee to the settlement terminal 23 (S304), and the settlement terminal 23 displays the settlement fee received from the settlement server 1 on the screen, and according to the user's operation. A settlement instruction is transmitted to the settlement server 1 (S204). The user's operation is an operation for approving the transaction amount and the settlement fee, and is, for example, pressing by a user as a payee or payer of a specific key provided in the settlement terminal 23.

  The payment server 1 that has received the payment instruction executes the payment process by updating the transaction history and the deposit history (S306). Specifically, the accounting unit 15 of the settlement server 1 registers a transaction record including a transaction ID, a transaction date, a payer ID, a payee ID, and a payment amount in the transaction history. Moreover, the deposit management means 16 of the settlement server 1 sets the deposit amount equal to the transaction amount, the transaction date, the transaction date, the transaction ID, the deposit amount equal to the transaction amount, and the deposit amount of the current deposit amount. Register a transaction record that includes the added balance. Then, the deposit management means 16 of the payment server 1 determines the current withdrawal amount from the transaction ID, transaction date, supplier ID, withdrawal amount equal to the transaction amount, and the deposit balance immediately before the payer's deposit history. Register a transaction record that includes the deposit balance you have drawn.

  Here, when a settlement fee has been generated, the deposit management means 16 of the settlement server 1 performs a transaction record indicating payment from the payer user to the payee user, as well as from the payer user to the electronic payment system. A transaction record indicating payment of the settlement fee to the operator is registered in the transaction history. When a settlement fee has been generated, the deposit management means 16 of the settlement server 1 has a transaction ID, a transaction date, a system operator ID as a business partner, and a settlement fee for the deposit history of the payer. And a transaction record including a deposit balance obtained by subtracting the current deposit amount from the previous deposit balance.

  For a transaction corresponding to one settlement instruction, the transaction ID registered in the payer's transaction history and the transaction ID registered in the payee's transaction history are the same. For example, FIG. 2D shows a case where a user with ID001 who has a remittance distance of 212 km purchases a product from a user with ID002 and pays 10000F to a user with ID002 from ID001 on June 25, 2015. As shown in FIG. 2C, transaction records of transaction ID 2010 and transaction ID 2011 are registered in the transaction history, and as shown in FIG. 2B, deposit records of transaction ID 2010 and transaction ID 2011 are registered in the deposit history of the user ID 001. The deposit record of transaction ID 2010 is registered in the deposit history of the user of ID002. In each record, identification information other than an ID such as a registered name of a user or a product name may be registered.

  Next, the payment server 1 transmits a payment completion notification to the payment terminal 23. The settlement completion notification may be a content that simply notifies that the settlement is completed, or a content that notifies the transaction amount, the recipient, the payment fee, and the like regarding the transaction for which the settlement has been completed. When the payment terminal 23 receives the payment completion notification, the payment terminal 23 may display on the screen that payment has been completed. At this time, the settlement server 1 may also send a settlement completion notice to the recipient by e-mail or the like. The user's e-mail address may be registered in advance in the user information. The payment server 1 does not need to transmit such a payment completion notification.

  Communication between the settlement server 1 and the settlement terminal 23 in the above settlement process is associated with transaction identification information that uniquely identifies the settlement process.

3. Electronic payment method (virtual store payment)
Next, a settlement method (virtual store settlement) when a user purchases a product at a virtual store managed by the settlement server 1 will be described. The virtual store managed by the payment server 1 is a website that publishes information on products or services (hereinafter referred to as “products”) provided by users registered in the payment server 1 and mediates their sales. A user who wants to sell a product through a virtual store accesses a maintenance page provided by the payment server 1 by operating a browser, and communicates with the payment server 1 based on a protocol such as HTML, so that any product to be sold Product information can be registered in the virtual store.

  A user who intends to purchase a product at a virtual store managed by the settlement server 1 accesses a search page of the virtual store managed by the settlement server 1 by operating a browser. FIG. 5 is an example of a search page. In this embodiment, as shown in FIG. 5, by setting the category 101 of the product to be purchased and the free keyword 102, the product registered in the virtual store can be searched. Further, in this embodiment, by setting the registration location 100 and the search distance 104 of a user who intends to purchase a product in a virtual store, the remittance distance from the registration location of the user who wants to purchase is registered within the set range. You can search for users who have a place and products they sell. In this embodiment, the search area 103 can be narrowed down by the zip code to search for other users and products sold by other users.

  When a user who accesses the search page published by the settlement server 1 using the PC 21 sets search conditions such as a category, free keyword, registration location, search distance, and search region, and requests a search for a product or user, FIG. 6 shows. In this way, the set search conditions are transmitted from the PC 21 as a payment terminal to the payment server 1 (S101). Specifically, when a “product search” icon 105 is selected on the search page shown in FIG. 5, a search condition is transmitted to the settlement server 1 together with a product search request, and when a “company search” icon 106 is selected, a user search is performed. A search condition is transmitted to the settlement server 1 together with the request.

  When the settlement server 1 receives a search request together with the search condition from the PC 21, the settlement server 1 searches for a product and a user that match the search condition with reference to pre-registered product information and user information, and displays a search result. A result page is generated and transmitted to the PC 21 (S301). When receiving the search result page, the PC 21 displays the received search result page (S102).

  FIG. 7A is an example of a product search result page that is generated by the payment server 1 and displayed by the browser of the PC 21 when a product search request is transmitted from the PC 21. On the product search result page, a product image 201, a product name 202, a price 203, and a seller location 204 are arranged for each product that matches the search condition. Since a link to a product detail page is embedded in the product image 201 and the product name 202, the product detail page is acquired from the settlement server 1 by selecting the product image 201 or the product name 202, and the PC 21. Can be displayed on the screen. Further, a list box 200 for rearranging the search results is arranged on the product search result page. In the list box 200, the search is performed in the order of popularity (order of popularity ranking surveyed for products), cheapest (lowest price), high order (highest price), and close order (registered place of the sales company). (In order of close remittance distance to the registered location of the user). When the list box 200 is operated, the PC 21 can acquire the search result page in which the search results are rearranged according to the selected condition from the settlement server 1 and display it on the screen of the PC 21.

  FIG. 7B is an example of a sales user search result page generated by the payment server 1 and displayed by the browser of the PC 21 when a user search request is transmitted from the PC 21. On the sales user search result page, for each sales user that matches the search condition, the sales user's business location image 301, the sales user's name 302, the sales user's registered location address 303, and the sales user's promotional copy 304 are arranged. The Since the sales user's business location image 301 and name 302 have embedded therein a link to a user page that allows the sales user to list products registered in the virtual store, the sales user's business location image 301 or name 302 is displayed. By selecting, the user detail page can be acquired from the payment server 1 and displayed on the screen of the PC 21.

  FIG. 8A is an example of a user detail page generated by the payment server 1 and displayed by the browser of the PC 21. Based on the user information 112, user information 400, a business office image 401, and handled product information 403 are displayed on the user detail page. The handling product information 403 displayed on the user details page can be extracted by the category 402 or sorted by the sorting condition 404. Since the link to the product detail page is embedded in the characters and images of the handled product information 403, the product detail page is acquired from the settlement server 1 by selecting the characters and images of the handled product information 403, and the PC 21 Can be displayed on the screen.

  FIG. 8B is an example of a product detail page generated by the payment server 1 and displayed by the browser of the PC 21. In the product detail page, in addition to product information such as product image 500, product name 501, manufacturer name, price 502, inventory information, and shipping schedule displayed based on product information 111, a list for setting the number of orders A box 503 and a “Add to Cart” icon 504 are displayed. By selecting the “Add to Cart” icon 504, the product information, the identification information of the user who sells the product, and the number of orders are transmitted to the settlement server 1 as transaction information (S103a). The transaction information includes identification information of a user who intends to place an order, price for each product, identification information of a user who sells the product, and the number of orders. The settlement server 1 stores the transaction information transmitted in this way for a period predetermined for each user.

  The user obtains an estimate page from the payment server 1 and displays it on the screen of the PC 21 by selecting a “view cart” icon 205 arranged on each of the product detail page, product search page, and user search page. Can do. When the user selects the “view cart” icon 205, the PC 21 transmits an estimate request including identification information of the user who wants to place an order to the settlement server 1 (S103b).

  Upon receiving the request for quotation, the settlement server 1 derives the remittance distance for each product based on the transaction information received and stored from the PC 21 (S300), and settles for each product based on the remittance distance, the product price, and the number of orders. A fee is derived (S302), an estimate page is generated and transmitted to the PC 21 (S304b). Specifically, it is as follows. First, the settlement server 1 acquires from the user information the registration location of the user who wants to order based on the identification information of the user who wants to order. Further, the settlement server 1 calculates a subtotal for the product based on the price and the number of orders. Next, the settlement server 1 acquires the registration location of the user who sells the product from the user information based on the identification information of the user who sells the product. Next, the settlement server 1 sends the registration location of the user who sells the product and the user who wants to place an order to the external server, causes the external server to calculate the distance between the registration locations, and obtains the distance between the registration locations from the external server. To do. Subsequently, the settlement server 1 determines to which remittance distance category the distance between registered locations belongs, and acquires a settlement fee rate from the table based on the determined remittance distance category. Subsequently, the settlement server 1 calculates the settlement fee for each product by multiplying the settlement fee rate by the subtotal. Finally, the settlement server calculates the sum of the subtotals for each product and the sum of the settlement fees for each product, and generates an estimate page describing the total amount.

  FIG. 9 is an example of an estimate page generated by the payment server 1 and displayed by the browser of the PC 21. On the estimate page, merchandise information 600 received by the settlement server 1 as transaction information, an order quantity 601, a settlement amount 602, a “continue shopping” icon 603, and a “confirm order” icon 604 are displayed. The order number 601 can also be set on the estimate page. When the order number 601 is changed, an estimate page based on the changed transaction information is generated by the settlement server 1 and displayed on the screen of the PC 21. When the “continue shopping” icon 603 is selected, the page displayed immediately before is displayed on the screen of the PC 21. When the “confirm order” icon 604 is selected, the PC 21 transmits a settlement instruction to the settlement server 1 (S104). The settlement instruction includes identification information of the user who places the order.

  When the payment server 1 receives the payment instruction, the payment server 1 executes a payment process similar to the face-to-face payment for each product based on the transaction information corresponding to the payment instruction (S306). That is, the billing unit 15 and the deposit management unit 16 of the settlement server 1 register a transaction record and a deposit record for each product.

  Communication between the settlement server 1 and the PC 21 in the above settlement processing is associated with transaction identification information that uniquely identifies the settlement processing.

4). Periodic Settlement Next, a periodical settlement process executed by the settlement server 1 on a predetermined interval such as the end of the month or the 15th of every month will be described. The periodic settlement process is a process for periodically settled a deposit fee for a user's deposit. The deposit fee is a cost applied to the deposit at a predetermined rate for carrying the deposit over for a certain period. In this embodiment, when the user carries over the deposit for one day, the user bears a deposit fee corresponding to 0.02% of the deposit balance.

Specifically, the billing means 15 of the settlement server 1 first determines the target period of periodic payment, and acquires the final deposit balance for each user on each day (target day) of the target period from the deposit history 114. When the deposit balance on the target date (n) (n is an integer) is expressed by f (n) and the deposit fee is expressed by g (n), the deposit fee on each target date is calculated by the following equations (1) and (2). .
When f (n) ≧ f (n? 1): g (n) = f (n? 1) × 0.0002
When f (n) <f (n? 1): g (n) = f (n) × 0.0002

  In other words, the deposit fee for each target date is 0.02% with respect to the carryover amount, which is the amount of the smaller deposit balance on the target date and the previous day. For example, for June 2015, the daily deposit fee for the user having the deposit history shown in FIG. 2B in June 2015 is calculated as shown in FIG.

  Subsequently, the billing means 15 of the settlement server 1 calculates the deposit fee for the target period by totaling the deposit fee calculated for each day of the target period for each user.

  Subsequently, the billing means of the settlement server 1 charges the deposit fee for the target period in legal currency for each user. Here, the exchange rate of legal currency for F is 1 in this embodiment, but it may not be 1. In the billing process, the bill may be sent to each user using an electronic mail, or the deposit fee bill may be printed and mailed to each user. Further, the deposit fee may be charged in F. When the deposit fee is settled in F, the transaction history and the deposit history of each user may be updated with the recipient as the operator of the electronic settlement system and the settlement amount as the deposit fee, as with the settlement fee.

5. Other Embodiments The present invention is not limited to the above-described embodiments, and it goes without saying that the present invention can be implemented in various forms. For example, the present invention can be applied to remittance that does not directly involve buying and selling of goods and services, such as a collective payment process for accounts payable and payment of donations. Further, for example, the settlement fee may be charged to both the payer and the payee, or only the payee may be charged. The present invention may be used for settlement of purchases and purchases using legal currencies. The settlement fee may be the sum of an amount that increases according to the remittance distance and an amount that has no correlation with the remittance distance. The form of billing is not limited to collection from a deposit, but may be billing processing for requesting payment.

DESCRIPTION OF SYMBOLS 1 ... Payment server, 11 ... External memory, 14 ... Payment commission deriving means, 15 ... Billing means, 16 ... Deposit management means, 17 ... Communication means, 21-25 ... Payment terminals

Claims (4)

User information storage means for storing the identification information of a user who can be a payer or a recipient and the registration location in association with each other;
Identification information acquisition means for acquiring identification information of the payer and the payee;
Based on the identification information of the payer and the payee, the registration location of the payer and the payee is obtained from the user information storage means, and the distance between the registration location of the payer and the registration location of the payee A settlement fee deriving means for deriving a settlement fee according to the remittance distance;
A charging means for charging the settlement fee;
An electronic payment system. The charging means charges the payer for at least part of the settlement fee;
The electronic payment system according to claim 1. A deposit management means for updating deposit balances of a plurality of users who become the payer or the payee according to a settlement amount;
The charging means charges a deposit fee according to the deposit balance and a deposit period;
The electronic settlement system according to claim 1 or 2. A user information storage step of storing in the storage means the identification information of the user who can be a payer or a recipient and the registered location in association with each other;
An identification information acquisition step of acquiring identification information of the payer and the payee;
A remittance distance which is a distance between the payer registration location and the payee registration location, acquiring the payer and payee registration locations from the storage means based on the payer and payee identification information. A remittance distance deriving step for deriving
A settlement fee deriving step for deriving a settlement fee according to the remittance distance;
A charging step of charging the settlement fee;
Including electronic payment system.

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