WO2002005159A1 - Settling method and settling system - Google Patents

Abstract

A settling system comprising a settlement mall system disposed at the back end of an EC mall server for executing an electronic transaction and used for acting for an electronic transaction of the EC mall server, and a settlement system connected with the settlement mall system and making an access to a financial institution server depending on the kind of settlement means according to an instruction of the settlement mall system to execute a balance inquiry, a credit check and a transfer. Personal information on a user to purchase a commodity or the like is read from personal information storage means such as an IC card for storing therein the personal information and is transferred through a communication network to the settlement mall system and the settlement system. The settlement and the access to the financial institution server are executed according to the personal information transmitted.

Description

 Specification

 Payment processing method and payment processing system

 Technical field:

 The present invention relates to a method and a system for performing a settlement process for electronic commerce (EC), and particularly to a settlement method and a settlement system suitable for electronic commerce on the Internet.

 Background technology:

 With the recent widespread use of the Internet, a number of sites for e-commerce, such as malls, virtual stores, and shopping spaces, have been opened on the Internet. Most of these malls and virtual stores pay by credit card. The user uses a personal computer (PC) or the like as an Internet connection terminal, and displays the credit card number on the page of the mall or virtual store displayed on the display device of the Internet connection terminal. The necessary information for settlement is transmitted by directly inputting personal information such as In this case, the store often checks the credit card credit and then sends an order confirmation to the user by e-mail.

 When such a procedure is used, users are likely to feel uneasy about transmitting the credit card number via the Internet due to insufficient security measures at present. It is said that not a few people give up transactions via the Internet due to insufficient security measures. Although there are protocols such as SET (secure electronic transactions) as a secure protocol for transmitting credit card numbers and the like, there are not many sites that use such protocols.

Instead of the procedure described above, a facsimile application form is displayed on the web, the user prints it out, enters the credit card number, etc., and sends it by facsimile. I have. In addition, a settlement method in which an application form printed with a bar code is displayed on the web, and the user prints out the form and pays it in cash at a convenience store (CVS) that exists as a real store. There is also. However, these methods require the user When accessing these websites on the Internet, the printer connected to the user's PC, etc., must be available. These methods also require users to fill in the application form and send it by facsimile, or to go to a convenience store.

 In addition, there is a method of using so-called electronic money such as Mondex (trade name) and Visa Cash (trade name). However, it is not widely used at this stage, and malls and virtual Stores are limited.

 After all, at present, payment methods are limited to credit cards in many malls and virtual stores on the Internet, and thus the convenience in e-commerce is lacking.

 Also, from the standpoint of online processing of payments, in effect, online payment processing using credit cards is only available on the Internet at sites directly operated by credit card companies or directly at financial institutions. Cannot be performed. For this reason, in general malls that are notified of credit card numbers and other information via the Internet, etc., credit card payments are actually made offline, and issues that need to be resolved in terms of quickness and certainty of payments Is leaving. In addition, the inability to perform online payment processing makes it impossible to perform fund settlement linked to any EC site.

Currently, in Japan, a shared online credit online system such as CAFIS (Credit And Finance Information Switching System) is operating. These credit online systems connect credit card issuers and other financial institutions with credit card merchants online via a telephone network or DDX (Digital Data Exchange) network. It is used to confirm and check the invalid force. However, this type of credit online system basically uses a dedicated terminal (for example, a CAT (credit authorization terminal) device) to connect to the center, and allows any terminal via the Internet. It is not configured to be accessible from the Internet. For this reason, malls opened on the Internet are not able to use such credit online services. Even if you have subscribed to the system, if you send a credit card number, etc. from the user, it is not possible to automatically make an inquiry about the credit card number and you need to manually .

 The term “settlement” used in this specification shall be interpreted in the context of economics. In economics, the means of settlement originally means cash and demand deposits (“Yuhikaku Dictionary of Economic Terms”; ISBN 4-641-00205-3). This includes cash and demand deposits as well as those used for payments, such as credit cards, debit cards, electronic money, and various consumer loans. Electronic commerce is a business transaction via a network, and typically provides goods and / or services to users.

 A credit card is generally used as a means of settlement in e-commerce, especially e-commerce for general consumers, that is, so-called B to C (business to consumer) e-commerce. However, as described above, there is a problem that security concerns and labor on the store side or on the user side are required.

 Currently, as a means of settlement for e-commerce, in addition to credit cards, various personal loans provided by banks, credit unions, postal savings banks, etc., banks, credit card companies, consumer loan companies, etc. There is a wide variety of services, such as accounts for the custody of securities (especially bonds) at securities companies, accounts for non-life insurance companies, e-wallets (e-notes), e-money, and EcoMoney, which is a point-based area-limited manager. Things have been suggested. In addition, point services provided at various retail stores can be regarded as a means of settlement, since the stores can be treated in the same way as money. In the future, it is expected that multiple payment methods will coexist, depending on the amount and purpose, and that new payment methods will appear.

Conventionally, e-commerce servers (EC mall servers) are generally constructed to support predetermined payment methods (mainly credit card only), and therefore increase the types of payment methods that can be used. In order to do so, it is necessary to modify the application software of the e-commerce server. But However, it is difficult to modify the existing e-commerce server's abbreviated software every time the number of available payment methods increases, which is extremely disadvantageous in terms of maintenance and other costs. Also, since the actual settlement process is a process linked to many network systems, it is impossible to implement the settlement process only with the e-commerce server. Here, the e-commerce server is generally configured by introducing a program for realizing the same into a server computer, and exhibits and explains products, accepts purchases, and the like. A program for realizing an e-commerce server can be used, for example, by using a content description language such as HTML (hypertext markup language) ^ XML iextensible markup language) or a Java (registered trademark) abbreviated. It is configured to display data on the user's terminal or exchange data with the user terminal.

 DISCLOSURE OF THE INVENTION:

 Therefore, an object of the present invention is to provide a secure and online payment process in conjunction with e-commerce, a user to use various terminals, and a payment process capable of responding to various payment means. It is to provide a method.

 Another object of the present invention is to provide a secure and online settlement process that can be used in conjunction with electronic commerce, that various types of terminals can be used by the user, and that can be used for a wide variety of payment methods. To provide a processing system.

A first object of the present invention is a settlement processing method for performing electronic commerce, a settlement mall system for performing settlement in electronic commerce, a settlement mall system connected to the settlement mall system, and a settlement mall based on the type of settlement means. A payment system that accesses the financial institution server in accordance with instructions from the system and performs balance inquiry, credit check, and transfer processing, and stores personal information of e-commerce users and stores the personal information The personal information is transmitted to the settlement mall system and the settlement system via a communication network, and the settlement is performed in the settlement mall system based on the transmitted personal information. This is achieved by a payment processing method that accesses a financial institution server by a payment system based on the payment method. A second object of the present invention is a settlement processing system used when conducting electronic commerce, which is provided in a backend of an EC mall server which performs electronic commerce for providing goods and Z or services to users. A settlement mall system that performs settlement in e-commerce in an EC mall server, and a settlement mall system, and accesses a financial institution server according to an instruction from the settlement mall system based on a type of settlement means; A settlement system that executes balance inquiry, credit check and transfer processing, and the personal information of the user of the EC mall server is read from personal information storage means for storing personal information, and is transmitted via a communication network. Is transmitted to the payment mall system and the payment system, and the payment mall system performs payment based on the transmitted personal information. Beam accesses a financial institution server based on personal information that is transmitted, is achieved by the settlement processing system.

 That is, the settlement processing system according to the present invention includes an analog network, a general public line such as an integrated services digital network (ISDN), a wireless LAN (mouth area network), a wireless WAN (wide area network), a mobile phone system, and a PHS (personal handyphone). system), xDSL (digital subscriber line) network, CATV (cable television) network, satellite communication network, optical fiber network, and other communication networks. This is an information processing system for easily and safely performing fund settlements from various terminals connected to these using the Internet and the like built above. In this settlement processing system, fund settlement processing can be executed in conjunction with electronic commerce.

 The funds and settlement methods that can be settled here include, for example, credit cards, debit cards, e-wallets, points from various point services, e-money, and other services provided by financial institutions. Various settlement methods can be used according to the type of work being performed.

This settlement processing system connects to a center of a predetermined financial institution corresponding to the settlement means, and executes fund settlement. The connection of the financial institution to the center may be made, for example, via a shared online credit online system. To secure security, a dedicated payment server is set up for each financial institution center. It is preferable that data exchange between the settlement processing system and the financial center be performed via this settlement business server.

 In order to support various settlement means, the settlement processing system includes a settlement mall system which is a mall system for specializing in settlement of electronic commerce. The application program for implementing the payment mode system can be configured by modifying the application program of a normal e-commerce server. Specifically, this can be realized by implementing a link button or link pointer in the application program of the server for e-commerce, and implementing a function to inherit payment information such as the amount of money.

 By connecting the settlement mall system, it is possible to realize various settlement means and fund settlement processing in conjunction with e-commerce, with little change to the existing e-commerce server Although it is possible to build the functions of the settlement mall system in the e-commerce server, it is obvious from the viewpoint of maintenance and the like that operating both logically independent is more efficient in operation. . In the present invention, the settlement mall system and the settlement system can be integrated into an integrated server, and the integrated server can be provided with a function as an EC mall server. However, it is preferable that the programs for realizing the settlement mall system, the settlement system, and the EC mall server operate in parallel as separate processes.

In the payment processing system of the present invention, in order to ensure security and to perform secure personal authentication, the terminal system connected to the payment processing system requires an IC (integrated circuit) card IC A mobile phone with a built-in chip will be used. The IC card stores personal information, such as an account number, credit card number, and personal identification number, at a financial institution, and also stores a key required to encrypt and transmit such personal information as a digital signature. One IC card can be used for multiple payment methods such as credit cards, debit cards, e-wallets, e-moneys, and point cards. Here, devices that include an IC card or an equivalent IC chip are generically called personal information storage means. The terminal system is connected to the payment system via the e-commerce server and the payment mall system, and is not limited to a specific type or configuration of terminal. A wide variety of terminals can be used, and these terminals can perform the same processing as a conventional CAT terminal / debit card terminal.

 BRIEF DESCRIPTION OF THE DRAWINGS:

 FIG. 1 is a block diagram showing the configuration of the settlement processing system according to the embodiment of the present invention.

 FIG. 2 is a diagram illustrating a data flow in the settlement processing system shown in FIG. .

 FIG. 3 is a diagram for explaining in detail the flow of data at the time of balance inquiry and settlement processing. FIG. 4 is a diagram illustrating an example of display on a display device of a used spine when performing electronic commerce using the settlement processing system shown in FIG.

 FIG. 5 is a flowchart illustrating the processing of the settlement business server.

 FIG. 6 is a block diagram showing another embodiment of the present invention.

 BEST MODE FOR CARRYING OUT THE INVENTION

 Next, a preferred embodiment of the present invention will be described with reference to the drawings. The settlement processing system shown in Fig. 1 is connected to a nationwide shared online credit online system such as CAFIS 11 and uses the funds in accounts provided by financial institutions and credit card companies. This is a payment system that can support various payment methods. In the following description, when referring to a financial institution, it is assumed that a credit card company and the like are included in addition to a narrowly defined financial institution such as a bank.

The credit online system 11 is also provided as a credit check system for organizing information transmitted from a settlement system 17 described later and transmitting the information to a center of a designated financial institution. In the example shown in the figure, the financial institutions include a bank, a shinkin bank, a postal service (postal savings), and a credit card company. 1 2 ₂ , savings center 1 2 ₃ and credit center 1 2 ₄ are installed. Each of these centers 1 2 1 2 ₄ is usually Credit line system 1 1 is connected directly with, for processing in the settlement process cis亍厶in this embodiment, these center 1 2-1 2 _4, settlement operations provided in the center your capital Connect to credit online system 11 via server 13.

 The settlement business server 13 is a server dedicated to settlement business provided in the office of each financial institution, and executes business services approved by each financial institution. This business service includes, for example, balance inquiry, transfer, transfer, and electronic money issuance. The settlement business server 13 does not process data other than those connected from the settlement system 17, for example, data from a normal CAT terminal. That is, the credit card credit check terminal existing in the actual store does not connect to the settlement business server 13.

 In this settlement processing system, there are a web server 14 that accepts connections from users or consumers who want to conduct e-commerce, and an e-commerce server that implements sites such as e-commerce malls, that is, an EC mall server 15. , A settlement mall system 16 provided for each EC mall server 15 for settlement of e-commerce, and a connection between each settlement mall system 16 and the credit online system 11 for settlement processing by various settlement means and store A settlement system 17 for managing sales and sales is provided. Here, as described above, various means such as a credit card, a debit card, an electronic wallet, and an electronic money can be used as the settlement means. If the EC mall server 15 is set up on the Internet, ゥ E-server 14 is typically connected to the Internet by the user in order to realize access to the Internet. It is a server of a service provider (ISP) and provides basic functions as an ISP, for example, a user authentication function, an Internet connection function, and a mail account function.

The settlement system 17 and the credit online system 11 are connected by a dedicated line or the like due to security problems. On the other hand, the EC mall server 15 is established on the Internet and the like as described above, and is generally not closely connected to the settlement mall system 16. Therefore, in this settlement processing system, the EC mall server 15 Regarding how to connect to the mall system 16, there are three cases.

 First, as the first case, it is conceivable to set up an EC mall server 15 at a different place from both the web server 14 and the settlement mall system 16. In this case, the web server 14 and the EC mall server 15 and the EC mall server 15 and the settlement mall system 16 are connected via the communication network 18.

 The second case corresponds to the case where the ISP itself opens a mall. In this case, the サ ー バ server 14 and the EC mall server 15 are directly connected or provided as an integrated server. The EC mall server 15 and the settlement mall system 16 are connected via a communication network 18.

 The third case corresponds to the case where the creator of the settlement mall system 16 establishes the mall itself. In this case, the EC mall server 15 and the settlement mall system 16 are directly connected. At this time, in order to facilitate correspondence to various settlement means, it is preferable not to form a server in which the EC mall server 15 and the settlement mall system 16 are integrated. The web server 14 and the EC mall server 15 are connected via a communication network 18.

 Depending on the type of connection to the Internet (communication network 18) of the user or consumer who intends to conduct e-commerce, the user can directly access the EC mall server 15 without going through the web server 14. It may be.

In the example shown, the settlement mall system 16 and the settlement system 17 are provided on the same premises or are connected by a dedicated line.However, it is assumed that sufficient security Both may be connected via the network 18. In Fig. 1, a single payment system 17 is depicted as being present for multiple payment mall systems 16; however, one payment system 17 is actually replaced with multiple payment mall systems 16 The connection may be made, or a settlement system 17 may be provided for each settlement mall system 16. If the computer used as a server has sufficient capacity, a computer program that implements the settlement mall system 16 on the same physical server computer is used. And a computer program for realizing the payment system 17 can be run in parallel.

 Here, the communication network 18 is typically the Internet. In FIG. 1, a plurality of communication networks 18 are illustrated, but this is to clarify the connection relationship between the web server 14, the EC mall server 15, and the settlement mall system 16. In fact, the web server 14, the EC mall server 15 and the settlement mall system 16 are connected to the same communication network 18 according to the three cases described above.

 Further, a certificate authority system 19 is connected to the communication network 18. The certificate authority system 19 is used to confirm that the terminal user connected to the payment processing system is the person himself, and to confirm the legitimacy of the server and the system. As the certificate authority system 19, a system that has already been established on the Internet as a so-called third party organization that performs electronic authentication can be used. The main functions of the certification authority system 19 here are to check the validity of the EC mall server 15 to be connected, the settlement mall system 16 and the settlement system 17, to confirm the legitimacy of users, and to check data and messages. In the case of performing confidential communication, exchange of secret keys using a common key method, issuance of public key certificates, etc., can be cited. By using such a certificate authority system 19, the security of the settlement processing system is further enhanced.

A user who wants to purchase goods and services through e-commerce at a mall opened on EC mall server 15 will use various terminal systems to connect to this payment processing system . Here, it is assumed that the user holds an IC card that stores keys used for encryption / decryption of personal information and data and a digital signature, and performs personal authentication using the IC card. I do. Examples of the personal information include a credit card number, an account number, and a personal identification number. Therefore, it is necessary that the terminal system be capable of reading the IC card 21, and it is preferable that the terminal system be capable of writing data to the IC card 21 as necessary. Examples of such a terminal system include a personal computer 20 equipped with an IC card reader or IC reader / writer and a game equipped with an IC card reader or IC card reader / writer. Machine terminal 2 0 _3. Furthermore, such terminals are all equipped with IC card readers or IC reader / writers, such as Internet terminals (Internet appliances), mopile terminals, personal digital assistants (PDAs), and satellites. Digital TV terminals, CATV set-top boxes, public multimedia terminals, etc. Further, instead of the IC card 2 1, IC force - de and equipment with a built-in IC chip having the same function, for example, be such as a portable electric packer 2 0 ₂ and PHS phones, can be used as a terminal system.

Such a terminal system is connected to the E-server 14 via the communication network 18a, and is connected to the settlement processing system. Examples of the communication network 18a include general public lines for dial-up connections, wireless communication networks such as mobile phone lines and PHS lines, xDSL networks, and CATV networks. Is selected according to the position. In some cases, a gateway (not shown) may be provided between the communication network 18 a and the web server 14. For example, when the communication network 18a is a mobile phone communication network, the normal IP (lntemet protocol) and HTTP (hypertext transfer protocol) are not used in the communication network 18a, and the WAP ( Since protocols such as wireless application protocol) and WSP (wireless session protocol) are used, a gateway that performs protocol conversion between the communication network _18a and the web server is required.

In any case, the terminal system has an interface and a function that can be connected to the network system represented by the communication network 18a in FIG. 1 and also has an IC card to enhance security and security. It is equipped with a reader or IC card reader / writer internally or externally. The IC card in the present embodiment has, for example, a key having a 128-bit length by a generally known encryption technique RSA. Depending on the card chip, a key with a length of 104 bits can be used. Furthermore, IC cards can store personal identification numbers in encrypted form, and are considered to be highly secure input / output devices. The use of an IC card eliminates the need to directly enter a personal identification number on the network, and eliminates the danger of leakage of the personal identification number to a third party. Also, assuming that the above-mentioned Ic chip is built into a mobile phone, personal identification and authentication using voiceprints, irises, and fingerprints are possible, and terminals with higher security can be realized. .

 Here, the settlement mall system 16 and the settlement system 17 will be described in detail. The settlement mall system 16 is a mall system that specializes in e-commerce settlement as described above. Banking account settlement, credit card settlement, postal savings settlement, personal loan settlement, settlement at securities company and non-life insurance company accounts, e-wallet, e-money, eco-money, etc. Are prepared, and in each transaction menu, you can check account balance, transfer, transfer, utility bill transfer, etc. The settlement mall system 16 can perform a transaction by selecting the settlement means provided by the user's IC card from these settlement means. Generally, in addition to purchasing goods and services on the mall, it is assumed that the user checks the account balance using the settlement mall system 16. Therefore, the settlement mall system 16 also supports the case where only the account balance is confirmed. Furthermore, when there is no input of the amount as the interface:!: Source, that is, a transaction form that does not go through the EC mall server 15 is also assumed, and the settlement mall system 16 allows the user to transfer the transaction data. It also has a function to make payments by directly inputting them. These are in line with the current settlement methods of ATMs (automatic teller's machines).

The payment system 17 provides credit card companies, financial institutions, and credit store affiliated stores with (1) talent-soliciting, (2) sales management functions, and (3) batch management functions. It is a system to realize. The payment system 17 functions as a terminal online server that simulates the terminal connection function as a credit card terminal, POS (point of sales) terminal, debit card terminal, etc., and the user terminal system and EC mall server 1 Converts the data from 5 into data for the credit online system 11 and connects to the credit online system 11 center, and performs an intermediary to check the credit at each financial institution center and perform the settlement process I do. The payment system 17 also has a function as a web interface connected from the EC mall server 15 via the payment mall system 16. Next, electronic commerce using this payment processing system will be described with reference to FIG.

 The user's IC card 21 contains in advance personal information such as name, address, personal identification number, credit card information including the account number at the bank, credit card information including the credit number, encryption key, It is assumed that connection URLs (unifo “m resource locator”), mail accounts, etc. are stored, and a web server 14 provided at the ISP has a sign-up data for each user who is a subscriber of the ISP. Information such as name, address, telephone number, and email account is stored.

 First, the user uses the terminal system 20 to connect to the web server 14 by dial-up connection or the like. The web server 14 performs user authentication according to the usual procedure, and then links to the URL based on the connection URL sent from the user side, whereby the user can use the EC mall server. It will be connected to 15. At this time, the validity of the EC mall server 15 is verified by the certificate authority system 15 and the result is transmitted to the user.

 The EC mall server 15 presents the merchandise information to the user side and registers the merchandise in the “shopping basket” in response to a request from the user. Then, for each user, the information of the product registered in the shopping cart and the total price are stored. The processing procedure up to this point is the same as that of a conventional e-commerce site. Next, the EC mall server 15 transmits the total amount and the merchant information relating to the EC mall server 15 to the settlement system 1 through the settlement mall system 16 and the settlement mall system 16 in order to perform the settlement processing. Send to 7 and, and request settlement processing from settlement mall system 16.

The settlement mall system 16 allows the user to select a financial institution when the settlement process is requested from the EC mall server 15 and also allows the user to select a financial institution from the terminal system 20 via a communication network to the IC card 21. The information such as the account number in is read out. Thereafter, the settlement mall system 16 requests the settlement system 17 to check the account balance together with the information of the house bank and the account number. The validity of the settlement mall system 16 is verified by the certificate authority system 19, and the verification result is transmitted to the user and the EC mall server 15. When requested to check the balance, the payment system 17 reads information such as the personal identification number in the IC card 21 from the terminal system 20 via the communication network, and sends the information to the credit online system 11 in a predetermined manner. The balance is queried according to the procedure (for example, CAFIS procedure). Also, record merchant information, user card information, sales amount, etc. The validity of the payment system 17 is verified by the certificate authority system 19, and the verification result is transmitted to the payment mall system 16.

 When requested to check the balance from the settlement system 17, the credit online system 11 performs a balance inquiry to the financial institution center 12 of the corresponding financial institution via the settlement business server 13. The result of the balance inquiry is sent to the settlement system 1 via the credit online system 11. Further, the result of the balance inquiry is sent from the settlement system 17 to the settlement mall system 16.

 After that, if the balance is not insufficient, the settlement mall system 16 executes the settlement processing. When the payment mall system 16 is instructed to execute the payment processing, the payment system 17 sends the credit online system 11 based on the user's financial institution name and account, the transfer destination account number, and the amount information. The credit on-line system 11 instructs the financial institution center 12 via the settlement business server 13 to execute credit settlement and transfer processing in accordance with a predetermined procedure (for example, the CAFIS procedure). The credit check result and the transfer result are received and transmitted to the settlement system 17. The settlement system 17 performs the sales management process based on the transfer data, and transmits the transfer result to the settlement mall system 16. After that, the settlement mall system 16 notifies the EC mall server 15 of the completion of the settlement.

 FIG. 3 shows the processing procedure from the balance inquiry to the settlement processing in the above description in more detail. The above-mentioned explanations and figures show the specific processing performed in the EC mall server 15, settlement mall system 16, settlement system 17, credit online system 11 and financial institution center 13. It will be clear from 3.

FIG. 4 is a diagram showing what kind of screen appears on the screen of the terminal system 20 on the user side, assuming that such a settlement processing system is used. Connected to the EC mall server 15 "Shopping basket" (When the product information is registered, the EC mall server 15 displays the information on the display device of the user's terminal system 20 as shown in Fig. (A). When the user clicks the “Card Available” button with the pointing device (mouse, etc.) of the terminal system 20, the amount information and the transfer destination (member store) information are displayed. Is sent to the settlement mall system 16, and the settlement mall system 16 displays a selection screen ((b) in FIG. 4) for prompting the user to select a settlement method on the display device of the terminal system 20. Assuming that the user has selected a specific financial institution, the settlement mall system 16 then displays a confirmation screen for confirming whether the settlement can be made at that financial institution ((c) in Fig. 4). The display device of the terminal system 20 To display in by the user to click the button of "confirmation" in the. Confirmation screen, the data is sent to the settlement system, so that the above-mentioned balance query and settlement process is executed.

 Next, processing in the settlement business server 13 will be described. FIG. 5 is a flowchart illustrating the processing of the settlement business server 13. As described above, the settlement business server 13 is a server dedicated to settlement business provided at the center of each financial institution, executes a business service approved by each financial institution, and is not connected to the settlement system 17. Data is not connected.

 Upon receiving the data from the center of the online credit system 11 in step 101, the settlement business server 13 checks in step 102 whether it is a request from the settlement system 17 and If the request is not from the payment system 17, the process proceeds to step 106. If the request is from the payment system 17, in step 103, is the requesting command an approval command? Check if. If the command is not an approval command, the process proceeds to step 106.If the command is an approval command, the command is sent to the financial institution center 12 in step 104, and the command from the financial institution center 12 is sent in step 105. The command is received. Then, in step 107, the execution result is transmitted to the center of the online credit system 11, and the processing is terminated.

On the other hand, in step 106, error processing is executed, and thereafter, the process proceeds to step 107, and the processing ends. Although the preferred embodiments of the present invention have been described above, the present invention is not limited to the above-described embodiments. For example, the payment system 17 may be configured to connect to the payment operation server 13 without going through the online credit system 11. However, in this case, if the number of financial institutions and the like increases, the intervening online credit system 11 can simplify the configuration as a payment processing system. It is also possible to adopt a configuration in which the settlement business server 13 is not provided.

 Next, another embodiment of the present invention will be described.

As described above, in the settlement processing system according to the present embodiment, even if a single settlement system 17 is provided for a plurality of settlement mode systems 16, the settlement system is provided for each settlement mall system 16. One step may be provided. By the way, in this payment processing system, from the viewpoint of the credit company or the credit online system 11, the payment system 17 looks as if it were a credit card member store. Depending on the operating policy of the credit card company, the indirect affiliated store system may not be permitted.If each affiliated store that intends to conduct e-commerce has its own payment system 17, Although not contrary, the provision of a single payment system 17 for multiple merchants may violate this provision. On the other hand, the establishment of a settlement mall system 16 and a settlement system 17 for each merchant that conducts e-commerce is a disadvantage for small-scale stores in terms of the cost and labor involved in installing and operating those systems. Is a big burden. In the embodiment shown in FIG. 6, an ASP (application 'service' provider) or the like has set up an ASP center 31 and a credit-powered merchant who intends to conduct e-commerce is located in the ASP center 31. Each integrated server 32 is housed. Each integrated server 32 connects to the settlement business server of each financial institution via the credit online system 11. Here, the integrated server 32 integrates the functions of the EC mall server 15, the payment mall system 16 and the payment system 17 in the payment processing system shown in FIG. In the ASP center 31, an integrated server 3 2 is provided for each member store in the form of a housing, and the member store code of the corresponding member store is assigned to each integrated server 32. Therefore, the above-mentioned credit company management policy is satisfied. Furthermore, the integrated server 32 may have the function of the EC mall server 15. Further, the ASP center 31 is provided with a shared server 33 that is shared by each member store. Sharing server 3 3, data originating terminal via the communication network 1 8, for example, a personal computer 2 0, the mobile phone 2 0 _2, integration server corresponding data to be input from the game machine terminal 2 0 ₃ to the data 3 Executes processing that is not directly related to the settlement but is common to each member store.

In the payment processing system shown in Fig. 6, the means of payment is automatically separated based on information from the data source terminal, that is, whether payment is made by a debit card or a credit card. However, it is decided which retailer (member store) it is for. In the system shown in FIG. 6, except that the integrated server 31 performs both operations of the settlement mall system 16 and the settlement system 17 in FIG. 1, the same procedure as in the system shown in FIG. Then, processing related to settlement is executed. Therefore, in the system shown in FIG. 6, similarly to the system shown in FIG. 1, the user can use an IC card 2 storing keys used for encryption / decryption of personal information and data and digital signature. 1, or becomes able to hold the built-in devices (such as mobile phone 2 0 ₂₎ the IC chip having the same function as the IC card, the IC card or personal authentication using a device with a built-in IC chip is, Will be performed. Although not shown in FIG. 6, it is preferable that the certification authority system established on the Internet performs the verification of the validity of the integrated server 32 and the personal authentication.

 As described above, according to the embodiment shown in FIG. 6, by adopting the housing form in ASP center 31, each credit card member store can construct a payment processing system at low cost. In addition, by sharing the parts that can be shared by multiple member stores, except for the part that must be provided separately for each member store code, a payment processing system can be constructed at lower cost.

In the system shown in FIG. 1, it is also possible to provide a settlement system 17 for each member store, and to house such a settlement system 17 and a settlement mall system 16 in ASP. Is EC Mall Server 1 5 It is also possible to housing in ASP. By housing the payment system 17 and payment mall system 16 and the EC mall server 15 in the ASP, each store can outsource the management of these systems and servers to the ASP. In addition, resources owned by the ASP can be shared (shared) by a plurality of stores, so that even in this case, a payment processing system can be constructed at low cost.

 The preferred embodiment of the present invention has been described above. However, the settlement business server 13, live server 14, EC mall server 15, settlement mall system 16, settlement system 17, integrated server in each of the above embodiments are described. 3 2 and the shared server 3 3 can be easily understood by those skilled in the art (by causing a computer system to read a computer program for realizing the function and executing the program, respectively). The programs for implementing these servers and systems are loaded into a computer via a recording medium such as a magnetic tape or CD-ROM, etc. In particular, the integrated server in the payment processing system shown in Figure 6. 3 2 integrates the functions of the settlement mall system 16 and the settlement system 17 in Fig. 1. The computer program for implementing the server is a program that simultaneously executes a process corresponding to the settlement mall system and a process corresponding to the settlement system 17 on the computer. It is preferable that the data is exchanged between the process corresponding to the payment system and the process corresponding to the payment system, and the integrated server 3 2 also functions as the EC mall server 15. In this case, it is preferable to configure a program for realizing the integrated server 32 so that the process corresponding to the EC mall server is also executed on the integrated server 32 at the same time.

In this way, for web server 14, EC mall server 15, payment mall system 16, payment system 17, integrated server 32, etc., several of these are logically separated. However, it can be physically realized by the same server computer. In such a configuration, the process or task for realizing each of these servers and systems may be executed in parallel as a process or task independent of the others. Industrial applicability:

 As described above, according to the present invention, a settlement mall system, which is a mall system dedicated to settlement, is provided in correspondence with an EC mall server, and a balance inquiry, a credit check, and a transfer process to a financial institution for each of various settlement means are performed. A payment system is set up that uses a smart card that encrypts and retains personal information for user authentication, etc., and makes various payments with little modification to existing e-commerce servers. It has the effect of being able to respond to ^ steps, execute payment in conjunction with e-commerce, and obtain a secure payment processing system.

Claims

The scope of the claims  1. A payment processing method for conducting electronic commerce,  A settlement mall system that performs settlement in e-commerce, and connected to the settlement mall system, accesses the financial institution server according to the instruction from the settlement mall system based on the type of settlement means, balance inquiry, credit check and transfer And a payment system that performs the processing.  Reading the personal information of the e-commerce user from the personal information storage means for storing the personal information;  Transmitting the personal information to the payment mall system and the payment system via a communication network;  Performing the payment in the payment mall system based on the transmitted personal information;  A settlement processing method for accessing the financial institution server by the settlement system based on the transmitted personal information.  2. The payment processing method according to claim 1, wherein the communication network is the Internet. 3. The payment processing method according to claim 2, further comprising the step of confirming the validity of the payment mall system and / or the payment system using a certificate authority system provided on the Internet.  4. The settlement process according to claim 2, wherein the personal information storage means is an IC card storing personal information and key data, or a device incorporating an IC chip having a function equivalent to that of the IC card. Method.  5. A settlement processing method for conducting electronic commerce,  In addition to acting for settlement in e-commerce, an integrated server that accesses the financial institution server based on the type of settlement means and performs balance inquiry, credit check and transfer processing is provided.  The personal information of the user of the e-commerce is deciphered by the personal information storage means for storing the even-numbered information,  Transmitting the personal information to the integrated server via a communication network, Performing the settlement in the integrated server based on the transmitted personal information, A settlement processing method, wherein the integrated server accesses the financial institution server based on the transmitted personal information.  6. The settlement processing method according to claim 5, wherein the communication network is the Internet. 7. Settlement processing method according to claim 6 further comprising the step of confirming the validity of the payment mall system and / ¹ or settlement system using a certificate authority system provided on the interlink one net.  8. The settlement according to claim 6, wherein the personal information storage means is an IC card storing personal information and key data, or a device incorporating an IC chip having a function equivalent to the IC card. Processing method.  9. A settlement processing system used when conducting electronic commerce, which is provided in a backend of an EC mall server that performs electronic commerce that provides goods and Z or services to a user, A settlement mall system that performs settlement in commercial transactions,  A settlement system for connecting to the settlement mall system, accessing a financial institution server in accordance with an instruction from the settlement mall system based on the type of settlement means, and executing balance inquiry, credit check and transfer processing; Has,  The personal information of the user of the EC mall server is read out from a personal information storage unit that stores personal information, and transmitted to the payment mall system and the payment system via a communication network. Performing the payment based on the transmitted personal information, and the payment system accesses the financial institution server based on the transmitted personal information.  10. The settlement processing system according to claim 9, wherein the settlement mall system is provided for each of the EC mall servers.  11. The payment processing according to claim 9, wherein the payment system is provided for each of the payment mall systems, and the payment processing system is provided as an integrated server in which the corresponding payment mall system and the payment system are integrated. system. 12. The payment processing system according to claim 9, wherein the payment processing system is connected to a financial institution server via a credit online system. ' 13. The settlement according to claim 11, wherein the settlement processing system is connected to a financial institution server via a credit online system, and a member store code as a credit member store is assigned to each of the integrated servers. Processing system.  14. A settlement business server that mediates data exchange between the settlement system and the financial institution server is provided between the credit online system and the financial institution server for each financial institution server. The settlement processing system according to claim 12.  15. A settlement business server that mediates data exchange between the integrated server and the financial institution server is provided between the credit online system and the financial institution server for each financial institution server. The settlement processing system according to claim 13.  16. Personal information is transmitted to the payment mall system and the payment system via the Internet, the EC mall server is opened on the Internet, and a user of the EC mall server receives the personal information. 10. The settlement processing system according to claim 9, wherein the EC mall server is accessed via the Internet using a terminal system having means for reading storage means or a terminal system functioning as the personal information storage means.  17. The personal information storage device according to claim 16, wherein the personal information storage means is an IC card storing personal information and key data, or a device having a built-in IC chip having a function equivalent to that of the IC card. Payment processing system.  18. A terminal having personal information transmitted to the integrated server via the Internet, the EC mall server being established on the Internet, and a user of the EC mall server having a means for reading the personal information storage means 12. The settlement processing system according to claim 11, wherein the EC mall server is accessed via the Internet using a system or a terminal system functioning as the personal information storage means. 19. The personal information storage device according to claim 18, wherein the personal information storage means is an IC card storing personal information and key data, or a device incorporating an IC chip having a function equivalent to that of the IC card. Payment processing system. 20. The Internet according to claim 16, wherein the Internet is connected to a certificate authority system that checks the validity of one or more selected from the EC mall server, the payment mall system, and the payment system. The settlement processing system described.  21. The settlement processing system according to claim 9, wherein the settlement system executes sales management for each EC mall system.