JP5188735B2 - Settlement processing system and method - Google Patents

Description

  The present invention relates to a payment processing system and method, and more particularly to a payment processing system and method via a joint purchasing organization.

  Conventionally, when purchasing books, office supplies, etc. through a joint purchasing organization such as a consumer cooperative, a card is issued for each store of the joint purchasing organization and a credit settlement system is used to support payment processing. Yes. As such a technology, an inter-company transaction site for executing transactions between a plurality of participating companies via the Internet, an inter-company payment support center having means for supporting credit card payment related to transactions between participating companies, A credit card company that performs credit card settlements for transactions between participating companies, and associates the merchant number and card number issued based on the credit card enrollment application data with the transaction identification number of each participating company, There has been proposed a system in which a transaction identification number is converted into a member store number or a card number after the transaction and a credit card settlement is executed (for example, see Patent Document 1). As a system using a credit card in such an inter-company transaction, there is a purchasing card system as shown in FIG.

Japanese Patent Laid-Open No. 2002-216058

  However, in such a payment system using a credit card, a card is often issued for each store of the joint purchasing organization, and multiple corporations and individuals use the same card number. In some cases, it was difficult to identify the ordering party after the payment to the card company of the joint purchasing organization because the ordering party could not be identified.

  The present invention has been made in view of such a problem. By using a card issued so that an individual can be identified from a joint purchasing organization and a unique order number, an orderer at the time of payment request from a card company can be obtained. It aims to identify and facilitate billing.

  In order to achieve such an object, the invention described in claim 1 is a settlement processing system, comprising: merchandise identification information for identifying merchandise for which an order is requested and card information for identifying a credit card used for settlement. Upon receiving the order request information including the order identification information generating means for generating the order identification information for identifying the transaction performed by the order request, and the instruction for displaying the order identification information and delivering the product identified by the product identification information Specified by the card information of the sales of the merchant specified by the merchant identification information including the delivery instruction means, the order identification information, the card information, and the merchant identification information for identifying the merchant that instructed the delivery corresponding to the order request. When a payment processing request is received from a merchant apparatus including a payment request transmitting means for transmitting a payment processing request by a credit card, The credit card credit transaction is sent to the billing transmission means for sending the payment request including the order identification information to the joint purchasing organization to which the credit card customer specified by the information belongs, and to the merchant device supplier who sent the received settlement processing request. A payment processing unit that includes a payment instruction unit that issues a payment instruction to perform a corresponding payment process based on the request, and a bill payment processing unit that instructs the payment process of the received payment request when receiving a payment request from the payment processing unit; When the delivery corresponding to the order identified by the order identification information is received, the joint purchasing device includes an ordering information displayed together with the delivery and an output means for outputting the payment request details. Further includes a reconciliation processing means for executing reconciliation processing between the order request information and the payment request details using the order identification information as a key. Processing means a result of executing the butt processed by, characterized in that it instructs the payment processing when the specification of the order request information and billing is met.

  According to a second aspect of the present invention, in the settlement processing system according to the first aspect, the details of the payment request are output in association with the order identification information.

  According to a third aspect of the present invention, in the payment processing system according to the first or second aspect, the joint purchasing device asks the card user about the amount used by the card user in the payment request to the card user specified by the card information. It further comprises an individual payment requesting means for executing an individual payment request process.

  According to a fourth aspect of the present invention, in the settlement processing system according to the third aspect, an order request including commodity identification information for identifying a commodity for which an order is requested from a merchant apparatus and card information for identifying a credit card used for settlement. And a request processing means for instructing processing of the received individual payment request upon receipt of the individual payment request for requesting the individual payment. The individual payment request means includes: An individual payment request for a card user who uses a user terminal is transmitted to the terminal.

The invention according to claim 5 is a settlement processing method, wherein in the merchant apparatus, the order identification information generation means uses the order identification information generating means to identify the commodity identification information for identifying the commodity to be ordered and the card information for identifying the credit card used for settlement The order identification information is displayed and identified by the product identification information by the order identification information generation step for generating the order identification information for identifying the transaction performed by the order request and the delivery instruction means. A merchant identification information including a delivery instruction step for instructing the delivery of goods, order identification information, card information, and a merchant identification information for identifying a merchant instructing delivery corresponding to the order request by the settlement request transmitting means. Settlement request sending process for sending settlement processing request by credit card specified by card information of sales of specified trader In the payment processing apparatus, when the payment processing means receives the payment processing request from the payment apparatus, the order identification information is sent to the joint purchasing organization to which the credit card customer specified by the card information belongs. A payment sending step for sending a payment request including the payment, and a payment instruction by the payment means to perform a corresponding payment process based on a credit card credit transaction to a merchant of the merchant apparatus that sent the received settlement processing request. A payment processing step including a step, a payment processing step for instructing processing of the received payment request when receiving a payment request from the payment processing device by the payment instruction means in the joint purchasing device, and an order identification information by the output means When the delivery corresponding to the order identified by is received, the order identification information displayed along with the delivery And a joint purchase processing step and an output step of outputting the specification of billing, joint purchase processing step executes the butting processing the order request information and billing item by the order identification information as a key butting The billing payment processing step further includes a processing step, wherein the payment processing step instructs the payment processing when the order request information matches the payment request details as a result of executing the matching processing in the matching processing step.

  According to a sixth aspect of the present invention, in the settlement processing method according to the fifth aspect, the details of the payment request are output in association with the order identification information.

  According to a seventh aspect of the present invention, in the settlement processing method according to the fifth or sixth aspect, the joint purchase processing step is performed by the card user with respect to the amount used by the card user in the payment request to the card user specified by the card information. The method further includes an individual payment requesting step for executing an individual payment requesting process.

  According to an eighth aspect of the present invention, in the settlement processing method according to the seventh aspect, in the user terminal, product identification information for identifying a product for which an order is requested from a merchant apparatus by a purchase order request means and a credit card used for settlement An order request step for transmitting an order request including card information for identifying the card, and a billing processing step for instructing processing of the received individual payment request upon receipt of the individual payment request for requesting the individual payment by the billing processing means. The method further includes a user terminal processing step, wherein the individual payment requesting step transmits an individual payment request for a card user who uses the user terminal to the user terminal.

  As described above, according to the present invention, when an order request including product identification information for identifying a product requesting a note and card information for identifying a card to be used for payment is received, a transaction performed by the order request is identified. Order identification information generating means for generating order identification information to be delivered, delivery instruction means for displaying the order identification information and instructing to deliver the product identified by the product identification information, order identification information, card information, and ordering Payment request transmitting means for transmitting a payment processing request by the card specified by the card information of the sales of the vendor specified by the vendor identification information including the vendor identification information for identifying the vendor instructing the delivery corresponding to the request; When the settlement processing request is received from the merchant device and the purchase support device, the transaction is issued to the joint purchasing device of the joint purchasing organization to which the customer of the card specified by the card information belongs. A settlement processing apparatus including a bill transmission means for transmitting a payment request including an identification number; a payment instruction means for performing a payment instruction to perform a payment process corresponding to the contractor of the contractor apparatus that has transmitted the received settlement processing request; and settlement When the payment request is received from the processing device, the order identification information displayed together with the delivery when the payment corresponding to the order identified by the order identification information and the order payment processing means for instructing the payment processing of the received payment request is received. And a joint purchasing device including an output means for outputting the billing details, the card issued by the joint purchasing organization so that an individual can be identified and a unique purchase order number can be used. It becomes possible to identify the orderer at the time of payment request from the company and facilitate the billing process.

(First embodiment)
Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
FIG. 1 is a block diagram showing the entire system according to the first embodiment of the present invention, and is a diagram showing the flow of processing.

(System configuration of this embodiment)
In the payment processing system of this embodiment, the group purchasing organization server 110, the customer system 120, the merchant system 130, and the payment processing server (card company) 140 are roughly connected via a network.

  The joint purchasing organization server 110 is a server that executes processing in this embodiment of joint purchasing organizations such as various cooperatives (co-ops), and in this embodiment, a card number is assigned to a subscriber based on a contract with a card company. And the subscriber side processing corresponding to the customer system is supported for the transaction using the card number. For example, as shown in FIG. 7, a card company issues a request to a joint purchasing organization to issue a card. For example, a card is given to each employee of a school, researcher of a research institute, or corporation, but the data is managed by the card company. It is also possible.

  As a result of the customer placing an order in this manner, the joint purchase organization is billed for the amount paid in advance by the card company to the merchant. This bill is transmitted from the settlement processing server 140 to the joint purchasing organization server 110 to perform payment processing for the card company, and separately bill for the goods ordered and delivered to each customer. Payment requests to customers can be sent from the joint purchasing organization server 110 to the customer's terminal if the customer system is digitized and processed by the terminal, but otherwise known in the art. For example, by issuing and sending a bill. Further, when a delivery is received from a supplier, an invoice is attached to an article to be delivered. However, the joint purchase organization server 110 is not limited to this, for example, directly receives the delivery form data from the supplier system 130. It can also be done.

  In FIG. 1, one joint purchasing organization server 110 is shown. However, it is also possible to realize the joint purchasing organization server 110 shown in FIG. 1 as a whole by distributing functions to be executed to a plurality of servers. . Here, the above systems or servers are connected to each other by some kind of network. This network can include the Internet, but on the other hand, it can also be connected via a dedicated line, or some exchanges can be made by fax or other conventional procedures. In addition, it is not necessary to use a specific standard or product for connection hardware or software, and the object of the present invention can be achieved if data can be exchanged by any method and configuration known in this technical field. be able to. In this specification, the system includes any one of a terminal, a server, and a database. However, in order to implement the present invention, data communication, data processing, and data management are possible even if it is not such. The system can be configured by using any apparatus and device.

  In addition, the customer system 120 is a part that implements the processing of the customer of the present embodiment, that is, a member of a joint purchasing organization, for example, a faculty member or researcher who is a member of a cooperative organization if the joint purchasing organization is a university cooperative. In general, a terminal that places an order or inquires about a transaction can be included, but in the present embodiment, orders and inquiries to a supplier are not limited to processing using such a terminal. Alternatively, it can be performed by telephone. When a customer performs such an ordering process, it is performed using a card number given by a joint purchasing organization. Here, when the customer system 120 does not perform processing by FAX or telephone, it is provided with a predetermined terminal and database, but the terminal can execute processing by one unit, and functions in more terminals and databases. It is also possible to implement the data separately.

  The merchant system 130 implements processing on the merchant side for delivering various products to customers, and corresponds to a so-called member store apparatus or system in a normal credit card system. The merchant system 130 according to the present embodiment executes processing for generating order identification information for identifying individual ordered transactions, processing for requesting payment processing to the card company after delivering the ordered items, and the like. However, similar to the customer system 120 described above, it can be configured in various forms different from those shown in FIG. Further, when the customer system 120 places an order by FAX or telephone, the card number and the contents of the order are converted into data by an operator on the side of the supplier, etc., and used in the supplier system 130 and the settlement processing server 140 in various ways. It is converted into data. Here, the merchant system 130 has been described as generating the order identification information. However, the present invention is not limited to this, and the order identification information can be automatically generated according to a predetermined rule, a joint purchasing organization or the like. It can be generated by any component forming the system of this embodiment.

  In general, the joint purchasing organization deals with various vendors, and there are a plurality of such vendor systems 130. However, in FIG. 1 and the like, only one is illustrated for convenience or convenience of explanation. Let me explain.

  The payment processing server 140 has essentially the same function as a normal credit card system or purchasing card system. For example, like a normal credit card processing system, sales information is directly transmitted from a terminal of a merchant system corresponding to a member store to a payment processing server, and payment processing is performed based on this. The settlement processing server 140 performs billing processing for a certain period of time, for example, every month, for transactions for which settlement processing has been performed in the same manner as in a normal credit card system. In this embodiment, the payment request is sent to the joint purchasing organization in a batch rather than to the customer who placed the order. In this case, the usage details are also sent and the joint purchasing organization can know the billing details, but since the information about what each customer's transaction was is not sent, the joint purchasing organization pays each customer. It is not possible to specify which transaction corresponds to which payment. Therefore, in the present embodiment, by including the above-described order identification information as a matching key in the usage details, it is matched with a delivery note including the order identification information attached to the article or transmitted to the joint purchasing organization server 110 at the time of delivery. It is configured to be able to. By this matching, the billing contents transmitted from the settlement processing server 140 and the order contents are associated with each other, so that the basis for the billing to each customer becomes clear and the billing of the payment becomes easy. This order number is commonly used until the end of the transaction, whereby the transaction can always be specified.

  Furthermore, the card company entrusts the card issuance to the joint purchasing organization as described above, and gives a card number to each customer, for example, each member of the co-op. Such grant consignment can be performed by any method known in the art, but conversely, a method of issuing directly to a customer without performing consignment can also be employed.

(Module configuration of this embodiment)
The overall configuration of this system is as described above, but the terminals and servers that constitute the individual systems of this embodiment must have at least the functions of a normal computer that can be connected to a network. Under such hardware conditions, the processing of the individual system of the present embodiment is executed by installing a software program on such hardware. Each software can be shown in a module configuration as shown in FIG. 3 to FIG. 6, for example, but this is merely an example, and the functions of each module can be shared by several modules, or the functions of some modules. It goes without saying that it is possible to assume a module that integrates. The module configuration of each individual system will be described below, but these modules are executed in cooperation with each other, and the processing of this embodiment described later is achieved.

  In the present embodiment, the processing of the customer system 120 shown in FIG. 4 and the processing of the supplier system 130 shown in FIG. 5 are described so that each server or terminal is processed by software. The joint purchasing organization server 110 and the settlement processing server are not limited to such software processing except for part or all of the configuration other than the joint purchasing organization server 110 shown in FIG. 3 and the settlement processing server 140 shown in FIG. Transmission of information to 140 can also be performed by a conventional communication method such as FAX or mail. In this case, the process of the joint purchasing organization server 110 shown in FIG. 3 is also partially different, but this point will be individually described later.

  FIG. 3 is a diagram showing a module configuration of the joint purchasing organization server 110. The joint purchasing organization server 110 includes an information receiving unit 301 for receiving various information and the like, a data transmitting unit 302 for transmitting a payment processing instruction and the like, a billing payment processing unit 303 for executing processing for the billed payment processing, And an output unit 304 that outputs the usage details in association with the matching key, that is, the order identification information, and makes it possible to collate with the delivery note, and executes processing related to the basic joint purchasing organization of the present embodiment. . In addition, when a delivery note is transmitted as data from the trader server 130, a matching processing unit 305 that automatically matches the data and the usage details information transmitted from the settlement processing server 140 using a matching key. And an individual payment requesting unit 306 for individually making a payment request to a customer terminal that has been matched when the customer places an order or the like using the customer terminal, and can execute more efficient processing it can.

  FIG. 4 is a diagram showing the module configuration of the customer system 120 when the customer performs ordering and other processing electronically with a terminal instead of FAX. In FIG. 4, the server 410 is provided at the center of the system, and the server 410 is shown to execute the main processing of the present embodiment in accordance with instructions from the terminals 121 and 122 connected thereto. Without being limited thereto, the terminals 121 and 122 may have the same function as that of the server 410 to execute the processing independently. The server 410, and thus the customer system, executes the basic functions of the present embodiment with the order request unit 401 that executes an order request and the individual bill processing unit 402 that receives individual bills from the joint purchasing organization server 110 and performs payment processing and the like. Prepare as a module.

  FIG. 5 is a diagram showing the module configuration of the supplier system 130. Like the module configuration of the customer system 120, in the example shown in the figure, the main processing of the system is performed by the server, but is not limited thereto. The merchant system 130 is a module for performing basic processing according to the present invention, a delivery instruction unit 501 for instructing delivery based on an order from a customer, and sends a settlement processing request to the settlement processing server regarding the delivered transaction together with the order identification information. A settlement request transmission unit 502, an order identification information generation unit 503 that generates order identification information for identifying the ordered transaction, and a transmission / reception unit 504 are provided.

  FIG. 6 is a diagram showing the module configuration of the settlement processing server 140, and the hardware configuration can take various forms as in the individual systems described above. In addition, since the settlement processing server or system is widely known in this technical field and many having various methods and additional functions are known, it is considered necessary for the description of this embodiment. The description will be limited to only those portions, but if necessary, it can be understood in consideration of such already known techniques. The payment processing server 140 is a module that executes basic processing necessary in the present embodiment, a billing issuing unit 601 that issues a bill to a joint purchasing organization, and a payment processing that issues a payment instruction corresponding to sales information to a merchant. And a transmission / reception unit 603 for performing various data communications. Here, as described above, in the settlement process using a credit card or purchasing card, not only a billing process such as issuance of an invoice, but after that, the charged amount is withdrawn from a predetermined account, a transfer is received, or in some cases. The billing process is completed by the process of sending the receipt. In the present embodiment, such processing that accompanies or continues to be required will not be described in particular. However, when it is referred to as billing processing in the present embodiment, various technical fields that accompany or continue to be required. It is assumed that the process known in (1) is performed. Therefore, a system that performs processing other than the billing processing is also included in the scope of the present invention, and even if the billing processing referred to here is incorporated in any processing not described in the present embodiment, Such a whole can be referred to as a billing process. As for the payment instruction, the transfer process and other remittance processes are actually performed subsequently, but are interpreted in the same manner as the billing process.

(Process of this embodiment)
The configuration of this embodiment has been described above, but the processing of this embodiment using the system having the above configuration will be described with reference to FIG. In the present embodiment, processing is performed in the order of the numbers shown in FIG. 1 in principle, but this is a typical flow of the system as in the present embodiment, and it is not always necessary to be in this order. It is also possible to change the order, change some steps, and add different procedures.

  The order processing is performed by determining the desired item, quantity, and amount of money. In the customer system 120, when an order is made by specifying the card number of each customer along with such information, the order request unit 401 An order request is transmitted to the merchant terminal 130 (step (1)). As described above, when the terminal is not used in the customer system, the customer can fill in the necessary items and the card number on the order form and fax it, or order it verbally by telephone. When an order is placed in this way, the transmission information is first converted into data in the processing of the vendor system 130 described below.

  In the merchant system 130 that has received the order request, the order identification information generation unit 503 generates the order identification information, and the delivery instruction unit 501 instructs the delivery based on the product, quantity, etc. included in the order request. As a result, the requested product is delivered to the joint purchasing organization along with the delivery note including the order identification information (step (2)) and then delivered to the customer (step (3)). Based on the order request and the delivery status, a settlement processing request including the order identification information is created and transmitted to the settlement processing server 140 (steps (4) and (5)).

  When the merchant system 130 sends sales information to the payment processing server 140 to request payment processing, specifically, when the information receiving unit 301 receives the above information, the billing payment processing unit 303 Sales information is created and a payment processing request is transmitted to the payment processing server 140 (step (4)). This process can be sent in near real time with sales, or at the merchant's convenience, similar to a normal purchasing card or credit card system, but it can also be used for network transactions and system environments. In consideration of conditions, it can also be transmitted once a month. However, this can be performed at an arbitrary timing, and is not limited to once a month, and can be transmitted a plurality of times or transmitted each time.

  The payment processing server 140 that has received the payment processing request sends a transfer notification to the merchant and transfers the sales price (step (4)). However, since the remittance processing is performed by various methods as described above, this embodiment The examples are not limited. Similarly, a billing process (step (6)) such as sending an invoice and a usage statement and a payment process from the joint purchasing organization based on this are performed for the joint purchasing organization 110. To implement the present invention, Needless to say, it is not necessary to perform the same processing as in the present embodiment. The same applies to fees paid from joint purchasing organizations. Each customer does not have to pay such a fee, or the merchant can receive an incentive to place a bulk order with a joint purchasing organization. Therefore, by storing various transaction conditions with the merchant and the joint purchasing organization, billing, remittance and the like can be performed by various methods known in the technical field.

  As described above, when the ordering, delivery, and payment of the price are completed, the joint purchasing organization confirms whether or not the ordered delivery is ensured, and makes an individual payment request to the customer (step (7)). In the system of the present embodiment, when a delivery note is transmitted as data from the supplier system 130, the matching process between the usage details data received from the settlement processing server 140 and the delivery note data is automatically performed using the order identification information as a key. Confirm that the delivery has been made and send a payment request to the customer system. When the payment request is transmitted, the customer pays (step (8)).

  On the other hand, when the delivery note is not sent as data (the delivery note is delivered in paper at the time of delivery), the joint purchasing organization server 110 has the usage details transmitted from the settlement processing server 140 in the format shown in FIG. Print on paper and compare with delivery note. At this time, as shown in FIG. 8, since the received usage details are associated with the order identification information as a matching key, it is easier to collate with the order identification information on the delivery note by sorting by the order identification information. Can be. Any sort method known in this technical field can be used as the sorting method, but it is possible to make it easier to collate by devising an output method that facilitates matching with the delivery note. it can.

  In this way, by automatically performing the reconciliation process in the joint purchasing organization or outputting the usage details so as to facilitate reconciliation, the customer who is the individual payment requester will surely order and deliver it by himself / herself It will be recognized that it is the price of the purchased goods, and the price can be paid smoothly.

  The characteristic processing of the present embodiment has been described above. By using a card issued by the joint purchasing organization so that an individual can be identified and a unique order number, the orderer at the time of payment request from the card company. Can be specified to facilitate the billing process.

1 is a diagram illustrating a configuration of an entire system according to an embodiment of the present invention. It is a figure for demonstrating the system of the conventional purchasing card | curd. It is a block diagram which shows the module structure of the joint purchasing organization server of one Embodiment of this invention. It is a block diagram which shows the module structure of the customer system of one Embodiment of this invention. It is a block diagram which shows the module structure of the supplier system of one Embodiment of this invention. It is a block diagram which shows the module structure of the payment processing server of one Embodiment of this invention. It is a figure for demonstrating credit card provision and management of one Embodiment concerning this invention. It is a figure which shows the format of the example of an output of the usage specification of one Embodiment concerning this invention.

Explanation of symbols

110 Joint Purchasing Organization Server 120 Customer System 121, 122 Terminal 130 Contractor System 131, 132 Terminal 133 Database 140 Payment Processing Server 301 Information Receiving Unit 302 Data Transmission Unit 303 Claim Payment Processing Unit 304 Output Unit 305 Matching Processing Unit 306 Individual Payment Request Unit 401 Order request unit 402 Individual billing processing unit 501 Delivery instruction unit 502 Settlement request transmission unit 503 Order identification information generation unit 504 Transmission / reception unit 601 Request issue unit 602 Payment processing unit 603 Transmission / reception unit

Claims (8)

Upon receipt of order request information including product identification information for identifying a product requesting an order and card information for identifying a credit card used for settlement, order identification for generating order identification information for identifying a transaction to be performed in accordance with the order request Corresponding to the information generation means, delivery instruction means for displaying the order identification information and instructing delivery of the product identified by the product identification information, the order identification information, the card information, and the order request Payment request transmitting means for transmitting a payment processing request by a credit card specified by the card information of sales of the vendor specified by the vendor identification information including vendor identification information for identifying a vendor that has instructed delivery. Merchant equipment,
When a payment processing request is received from the merchant apparatus, a bill transmission means for transmitting a payment request including the order identification information to a joint purchasing organization to which a credit card customer specified by the card information belongs, and the received payment processing request A payment processing unit including a payment instruction means for instructing a payment of a corresponding payment process based on a credit transaction of the credit card to a trader of the trader apparatus that has transmitted
When the payment request is received from the settlement processing device, the payment processing means for instructing the payment processing of the received payment request and the delivery corresponding to the order identified by the order identification information are received together with the delivery A joint purchasing device including the displayed order identification information and output means for outputting the payment request details;
The joint purchasing device further includes a matching processing means for performing a matching process between the order request information and the payment request details using the order identification information as a key,
The payment processing system is characterized in that the payment processing means instructs the payment processing when the order request information matches the details of the payment request as a result of executing the matching processing by the matching processing means.   The payment processing system according to claim 1, wherein the details of the payment request are output in association with the order identification information.   The joint purchasing apparatus further includes an individual payment requesting unit for executing a billing process of individual payment to the card user for the amount used by the card user in the payment request to the card user specified by the card information. The settlement processing system according to claim 1 or 2, characterized in that   Order request means for transmitting an order request including product identification information for identifying a product for which an order is requested from the merchant apparatus and card information for identifying a credit card used for settlement, and an individual payment request for requesting an individual payment A user terminal including a billing processing unit for instructing processing of the received individual payment request when received, wherein the individual billing unit transmits an individual payment request for a card user who uses the user terminal to the user terminal. The payment processing system according to claim 3, wherein: In the merchant apparatus, when the order identification information generating means receives the order identification information including the commodity identification information for identifying the commodity for which the order is requested and the card information for identifying the credit card used for the settlement, the transaction performed by the order request Order identification information generating step for generating order identification information for identifying, a delivery instruction means for displaying the order identification information and instructing delivery of the product identified by the product identification information by a delivery instruction means, and settlement The sales of the merchant specified by the merchant identification information including the order identification information, the card information, and the merchant identification information for identifying the merchant that instructed the delivery corresponding to the ordering request, by the request transmission unit, A payment request sending step for sending a payment processing request by a credit card specified by the card information. A device processing step,
In the payment processing apparatus, a request for transmitting a payment request including the order identification information to a joint purchasing organization to which a customer of a credit card specified by the card information belongs when a payment processing request is received from the merchant apparatus by the charge transmission means. A settlement step including a transmission step and a payment step by which a payment instruction is made by a payment means to perform a corresponding payment process based on a credit transaction of the credit card to a merchant of a merchant apparatus that has transmitted the received settlement process request. Processing steps;
In the joint purchasing device, when the payment request is received from the settlement processing device by the payment instruction means, a charge payment processing step for instructing processing of the received payment request, and an order identified by the order identification information by the output means A joint purchase processing step including an output step for outputting the order identification information displayed together with the delivery and the details of the payment request when the delivery corresponding to the delivery is received, and
The joint purchase processing step further includes a matching process step of executing a matching process between the order request information and the payment request details using the order identification information as a key,
The payment processing step is characterized by instructing the payment processing when the order request information and the details of the payment request are matched as a result of executing the matching processing in the matching processing step.   6. The settlement processing method according to claim 5, wherein the details of the payment request are output in association with the order identification information.   The joint purchase processing step further includes an individual payment requesting step for executing a billing process for individual payment to the card user for the amount used by the card user in the payment request to the card user specified by the card information. The settlement processing method according to claim 5 or 6.   In the user terminal, an order requesting step for transmitting an order request including product identification information for identifying a product for which an order is requested from the merchant apparatus and card information for identifying a credit card used for settlement by the order request means, and billing processing And further comprising a user terminal processing step for instructing processing of the received individual payment request upon receipt of the individual payment request for requesting the individual payment. The individual payment request step comprises: 8. The settlement processing method according to claim 7, wherein an individual payment request for a card user who uses the user terminal is transmitted to the terminal.

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