JP6408293B2 - Payment information processing apparatus, payment method, program, and payment system - Google Patents

Description

  The present invention relates to a payment information processing apparatus, a payment method, a program, and a payment system.

  For example, in Internet payment using a credit card, a user inputs card information such as PAN (Primary Account Number) information and a card expiration date to an EC (Electronic Commerce) store website. The input card information is transmitted from the store website to the credit card company, and authorization (credit approval) is performed.

  Patent Document 1 states that “a customer terminal that exchanges various information with each other via communication means, a server computer of a mail order company in which a virtual shop of a merchandise seller is established, and a payment computer of a credit card issuer company. A mail order system in which a customer purchases a product using a credit card, wherein the customer has a two-dividing means for dividing the credit card number into a first card number and a second card number, Means for inputting the first card number and notifying the mail order company when ordering a product; and means for notifying the mail order company by inputting the second card number when receiving the product. A mail order sales system characterized by including:

JP 2004-30126 A

  Thus, the user's card information is transmitted from a third party website such as an EC store to the credit card company.

  Therefore, the user's card information may be held in a third party database such as an EC store other than the user and the credit card company. For example, the card information may be leaked and misused.

  Therefore, the present invention provides a technology that enables a third party other than the user and the credit card company to make a product transaction so that the card information of the user's credit card is not held and prevents the card information from being misused. Objective.

The present application includes a plurality of means for solving at least a part of the above-described problems. Examples of the means are as follows. In order to solve the above problems, a settlement information processing apparatus according to the present invention generates purchase product information relating to a product that a user intends to purchase, generated by the product information processing apparatus, and card information of the user's credit card, A first receiving unit received from the terminal device of the user; a credit approval unit for performing credit approval of the credit card based on the card information received by the first receiving unit; and a credit approval of the credit approval unit Based on the result, a payment information issuing unit that issues payment information for payment of the product, the payment information issued by the payment information issuing unit, and the purchased product information received by the first receiving unit A payment information storage unit that stores the association information, a transmission unit that transmits the payment information issued by the payment information issuing unit to the terminal device of the user, and the terminal of the user Transmitted from the apparatus, the product by the information processing apparatus and the purchased product information that will be transferred and a second receiver for receiving said payment information, the purchased product information and the settlement information stored in the payment information storage section And a payment authentication unit that performs payment authentication of the product of the user based on the purchased product information and the payment information received by the second receiving unit.

  In the payment information processing apparatus, is the payment authentication unit stored in the payment information storage unit in association with the purchase product information and the payment information received by the second reception unit? It is possible to determine whether or not and perform payment authentication of the product of the user.

  In the payment information processing apparatus, the payment information storage unit further stores a date when the payment information is issued, and the payment authentication unit receives the payment information by the second receiving unit. If the predetermined date has passed a predetermined date from the date stored in the payment information storage unit, it may be determined that the payment of the product is illegal. .

  In the payment information processing apparatus, a predetermined button displayed on the screen is displayed on the screen where the terminal device of the user displays the purchased product information generated by the product information processing apparatus. When pressed, it may further include an image data transmission unit that transmits image data of an input screen for inputting the card information of the user to the terminal device.

  In the payment information processing apparatus, the first receiving unit may receive the card information input on the input screen of the terminal device.

  In the payment information processing apparatus, the payment information transmitted from the transmission unit to the terminal device may be displayed on the terminal device.

  In the payment information processing apparatus, the payment information may be valid information only once.

  In the payment information processing apparatus, the card information may include PAN information and an expiration date of the credit card.

  In the payment information processing apparatus, the purchased product information may include information identifying the product and information identifying a store selling the product.

Further, the payment method of the payment information processing apparatus according to the present invention includes the purchase product information generated by the product information processing apparatus regarding the product that the user intends to purchase, and the card information of the user's credit card. A first reception step received from the terminal device, a credit approval step for performing credit approval of the credit card based on the card information received by the first reception step, and a credit approval result of the credit approval step. Based on the payment information issuing step for issuing payment information for payment of the product, the payment information issued by the payment information issuing step, and the purchased product information received by the first receiving step. The settlement information storage step for storing the information in association with the settlement information issued by the settlement information issuing step A transmission unit transmitting to the terminal device, transmitted from the terminal device of the user, a second receiving step of receiving said payment information and the purchased product information that will be transferred by the product information processing apparatus, the payment Based on the purchase merchandise information and the settlement information stored in the information storage step, and the purchase merchandise information and the settlement information received in the second reception step, payment authentication of the user's merchandise is performed. And a settlement authentication step to be performed.

In addition, the program of the settlement information processing apparatus according to the present invention includes the purchase terminal information generated by the commodity information processing apparatus and related to the product that the user intends to purchase, and the credit card information of the user, and A first receiving unit received from the device; a credit approval unit that performs credit approval of the credit card based on the card information received by the first receiving unit; and a credit approval result of the credit approval unit. The payment information issuing unit that issues payment information for payment of the product, the payment information issued by the payment information issuing unit, and the purchase product information received by the first receiving unit. A payment information storage unit that stores the payment information, a transmission unit that transmits the payment information issued by the payment information issuing unit to the terminal device of the user, and the terminal device of the user Transmitted from the commodity information the purchased product information that will be transferred by the device and a second receiving section for receiving said payment information, and the settlement information storage unit the purchased product information and the settlement information stored in And causing the payment information processing apparatus to function as a payment authentication unit that performs payment authentication of the product of the user based on the purchase product information and the payment information received by the second reception unit. Features.

In addition, the payment system according to the present invention is configured to receive information on a product selected by the user for purchase from the terminal device of the user, and receive the product information in the first receiving unit. In response, the purchase product information generation unit that generates purchase product information related to the product and the purchase product information generated by the purchase product information generation unit are transmitted to the terminal device of the user, and from the terminal device of the user A first information processing device having a first transmission unit that transfers the received purchased product information and payment information to a payment information processing device, the purchased product information, and card information of the user's credit card, A second receiving unit received from the terminal device of the user, and credit for credit approval of the credit card based on the card information received by the second receiving unit And認部, based on the credit approval result of the credit approval unit, and settlement information issuing unit that issues the payment information for the settlement of the commodity, and the settlement information to the settlement information issuing unit has been issued, the A payment information storage unit that stores the purchase product information received by the second receiving unit in association with each other, and a second transmission that transmits the payment information issued by the payment information issuing unit to the terminal device of the user and parts, are transmitted from the terminal device of the user, and a third receiver for receiving said payment information and the purchased product information that will be transferred by the product information processing apparatus, stored in the payment information storage section A payment authentication unit that performs payment authentication of the product of the user based on the purchase product information and the payment information, and the purchase product information and the payment information received by the third receiving unit; Characterized in that it comprises the a payment information processing apparatus having, a.

  According to the present invention, misuse of card information can be prevented. Problems, configurations, and effects other than those described above will be clarified by the following description of embodiments.

It is a figure showing an example of composition of a settlement system concerning a 1st embodiment of the present invention. It is the sequence diagram which showed the example of the flow of a process of a payment system. It is the sequence diagram which showed the example of the flow of a process of a payment system. It is the figure which showed the example of a goods selection screen of the terminal device. It is the figure which showed the example of a screen of the purchase merchandise information of the terminal device 3. FIG. It is the figure which showed the example of a screen of the credit approval request | requirement of the terminal device 3. FIG. It is the figure which showed the example of a screen of the payment information display of the terminal device 3. FIG. It is the figure which showed the example of an input screen of the payment information of the terminal device. It is the figure which showed the example of the goods payment screen of the terminal device. 2 is a diagram illustrating an example of functional blocks of the information processing apparatus 1. FIG. It is the figure which showed the data structural example of the merchandise information storage part 25. FIG. FIG. 4 is a diagram showing a data configuration example of a management information storage unit 26. 3 is a diagram illustrating an example of functional blocks of the information processing apparatus 2. FIG. It is the figure which showed the example of a data structure of the customer information storage part. 4 is a diagram showing a data configuration example of a payment information storage unit 38. FIG. 5 is a flowchart showing an example of an operation for generating purchased product information in the information processing apparatus 1. 7 is a flowchart showing an example of operations of transfer of payment request information, sales registration, and merchandise shipment processing of the information processing apparatus 1. 6 is a flowchart showing an example of payment information issuance processing of the information processing apparatus 2. 5 is a flowchart illustrating an example of a payment process of the information processing apparatus 2. It is the figure which showed the hardware structural example of information processing apparatus. It is the figure which showed the data structural example of the payment information storage part which concerns on 2nd Embodiment. It is the figure which showed the example of the user registration screen which concerns on 3rd Embodiment. It is the figure which showed the example of a screen of the purchase merchandise information of the terminal device 3. FIG. It is the figure which showed the example of the card information input screen of the terminal device. It is the figure which showed the example of a notification screen of the payment information of the terminal device.

[First Embodiment]
FIG. 1 is a diagram showing a configuration example of a payment system according to the first embodiment of the present invention. As shown in FIG. 1, the payment system includes information processing devices 1 and 2, a terminal device 3, a network 4, and a card network 5.

  The information processing apparatus 1 is a server, for example. The information processing apparatus 1 is managed by, for example, a store (for example, an EC store) that sells products using the Internet.

  The information processing apparatus 2 is a server, for example. The information processing apparatus 2 is managed by a credit card company.

  The terminal device 3 is, for example, a personal computer or a tablet terminal. The terminal device 3 is operated by a user who purchases a product from an EC store that manages the information processing device 1, for example. For example, the user owns a credit card of a credit card company that manages the information processing apparatus 2, and can use the credit card to purchase a product from an EC store.

  The network 4 is, for example, the Internet. The network 4 connects the information processing devices 1 and 2 and the terminal device 3 to each other. That is, the information processing devices 1 and 2 and the terminal device 3 can communicate via the network 4.

  The card network 5 is a network that connects the information processing apparatus 1 and the information processing apparatus 2. The information processing apparatuses 1 and 2 use the card network 5 to communicate by, for example, CAFIS (registered trademark: Credit And Finance Information System), and the user's usage limit and whether or not the card is illegally used. Sexuality can be confirmed.

  As will be described in detail below, in the payment system of FIG. 1, the information processing apparatus 2 managed by the credit card company provides one-time payment information (one-time payment information) to a user who is trying to purchase a product from an EC store. Issue settlement information). The user uses the one-time payment information issued from the information processing device 2 to make a payment for the product.

  2 and 3 are sequence diagrams showing an example of the processing flow of the payment system. 2 and 3 show a sequence of settlement processing among the information processing device 1, the information processing device 2, and the terminal device 3. FIG. In the sequence shown in FIGS. 2 and 3, the process continues in “A” circled in FIGS. 2 and 3. For example, when the user selects a product from an EC store and purchases it, the payment system executes the processing of the sequences shown in FIGS.

  First, the terminal device 3 accepts a login operation from the user to the information processing device 1 managed by the EC store (step S1). Thereby, the terminal device 3 can access the information processing device 1 managed by the EC store.

  Next, when accepting the login from the terminal device 3, the information processing device 1 transmits the screen data of the shopping screen to the terminal device 3 (step S2).

  Next, the terminal device 3 displays the screen data of the shopping screen transmitted from the information processing device 1 on the display (step S3). Thereby, the user of the terminal device 3 can browse the products of the EC store that manages the information processing device 1. Then, the user can select a product to be purchased.

  Next, the terminal device 3 receives information on a product to be purchased from the user (step S11).

  Next, when the terminal device 3 accepts information on a product to be purchased from the user in step S11, the terminal device 3 transmits a product purchase request to the information processing device 1 (step S12). When the terminal device 3 transmits the product purchase request, the terminal device 3 also transmits information on the product selected by the user (the product that the user is trying to purchase) to the information processing device 1.

  Next, the information processing device 1 receives a product purchase request from the terminal device 3 (step S13). At that time, the information processing apparatus 1 also receives information on the product selected by the user transmitted from the terminal device 3.

  Next, when the information processing apparatus 1 receives the information on the product selected by the user in step S13, the information processing apparatus 1 generates purchased product information related to the received product (step S14). Then, the information processing device 1 transmits the generated purchased product information to the terminal device 3.

  As will be described below, the purchased product information includes information on a product that the user intends to purchase from an EC store. For example, the purchased product information includes information for identifying a product that the user intends to purchase, an amount of the product, and information for identifying an EC store that sells the product.

  Next, the terminal device 3 receives the purchased product information transmitted from the information processing device 1 (step S15).

  Next, the terminal device 3 displays the purchased product information received in step S15 on the display (step S16).

  Next, the terminal device 3 accepts a login operation from the user to the information processing device 2 managed by the credit card company (step S21). As a result, the terminal device 3 can access the information processing device 2 managed by the credit card company.

  Note that a screen of purchased product information (a website of an EC store) is displayed on the display of the terminal device 3 by the process of step S16. The user logs in to the information processing apparatus 2 of the credit card company while displaying the website of the EC store on the display, and displays the website of the EC store and the website of the credit card company on the display. Alternatively, the user may close the website of the EC store, log in to the information processing apparatus 2, and display only the website of the credit card company on the display. In this case, the user makes a note of the purchased product information displayed on the display of the terminal device 3 in step S16.

  Next, when accepting the login from the terminal device 3, the information processing device 2 transmits the screen data of the credit approval request screen to the terminal device 3 (step S22).

  Next, the terminal device 3 displays the screen data of the credit approval request screen transmitted from the information processing device 2 on the display (step S23). Thereby, the user of the terminal device 3 can request the credit card company that manages the information processing device 2 for credit approval of the credit card owned by the user. Then, the user can receive from the information processing apparatus 2 issuance of settlement information for settlement of a product desired to be purchased from the EC store.

  Next, the terminal device 3 receives a credit approval request from the user (step S31). At that time, the terminal device 3 receives the card information of the credit card and the purchased merchandise information displayed on the display in step S16 from the user. The card information of the credit card includes, for example, PAN information and the expiration date of the credit card.

  Next, when the terminal device 3 accepts a credit approval request from the user in step S31, the terminal device 3 transmits credit approval request information to the information processing device 2 (step S32). When transmitting the credit approval request information to the information processing device 2, the terminal device 3 also transmits the card information and purchased product information received from the user to the information processing device 2 in step S <b> 31.

  The terminal device 3 transmits the card information of the user's credit card and the purchased product information from the website of the credit card company to the information processing device 2 of the credit card company. That is, the user's card information is transmitted to the information processing device 2 of the credit card company without passing through the information processing device 1 of the EC store. Therefore, the user's card information is not held in the information processing apparatus 1 of the EC store.

  Next, the information processing device 2 receives the credit approval request information from the terminal device 3 (step S33). At that time, the information processing device 2 also receives the card information and purchased product information transmitted from the terminal device 3.

  Next, the information processing apparatus 2 performs credit approval of the user who has requested the credit approval based on the card information received in Step S33 (Step S34).

  Next, when the credit approval of the user who made the credit approval request is valid, the information processing apparatus 2 issues one-time settlement information (step S35). At that time, the information processing apparatus 2 stores the issued payment information in association with the purchased merchandise information received in step S33 in the storage device. As a result, the purchase information issued by the information processing apparatus 2 can be identified for which purchase product information is issued.

  Next, the information processing device 2 transmits the payment information issued in step S35 to the terminal device 3 (step S36).

  Next, the terminal device 3 receives the payment information transmitted from the information processing device 2 (step S37). The terminal device 3 displays the received payment information on the display. Thereby, the user can use the payment information issued from the information processing device 2 to make a payment for a product desired to be purchased from the EC store.

  Next, the terminal device 3 receives a settlement request from the user (step S41). At that time, the terminal device 3 accepts the purchase product information displayed on the display and the settlement information received in step S37 from the user in step S16.

  Next, when accepting a payment request from the user in step S41, the terminal device 3 transmits payment request information to the information processing device 1 (step S42). When transmitting the payment request information to the information processing device 1, the terminal device 3 also transmits the purchased product information and the payment information received from the user to the information processing device 1 in step S <b> 41.

  Next, the information processing device 1 transfers the settlement request information transmitted from the terminal device 3 to the information processing device 2 (step S43). At that time, the information processing device 1 also transfers the purchased product information and the settlement information transmitted from the terminal device 3 to the information processing device 2.

  Next, the information processing device 2 receives the settlement request information transferred from the information processing device 1 (step S44). At that time, the information processing device 2 also receives the purchased product information and the settlement information transferred from the information processing device 1.

  Next, the information processing apparatus 2 performs payment authentication based on the purchased product information and payment information received in step S44 (step S45). For example, the information processing device 2 performs payment authentication based on the purchased product information and payment information received in step S44 and the purchased product information and payment information stored in the storage device in step S35. More specifically, the information processing device 2 determines whether each of the purchased product information and the payment information received in step S44 is associated with each other and stored in the storage device, and performs payment authentication. The information processing device 2 determines that the user's payment is valid if each of the purchased product information and the payment information received in step S44 is associated with each other and stored in the storage device.

  Next, when the payment authentication in step S45 is valid, the information processing apparatus 2 performs sales processing (step S46). For example, the information processing apparatus 2 transfers the price of the product to the account of the EC store where the user purchased the product. Then, the information processing apparatus 2 transmits to the information processing apparatus 1 that sales processing has been performed.

  Next, the information processing apparatus 1 receives a sales process notification from the information processing apparatus 2 and performs a sales registration process and a merchandise shipping process (step S47). For example, the information processing apparatus 1 stores in the storage device that the price of the product purchased by the user has been transferred. Further, when the product is sent to the user, the information processing apparatus 1 stores the date in the storage device. When the sales registration process and the merchandise shipping process are completed, the information processing apparatus 1 transmits to the terminal apparatus 3 that the settlement has been completed.

  Next, the terminal device 3 receives from the information processing device 1 that the payment has been completed (step S48). When the terminal device 3 receives information from the information processing device 1 that the payment has been completed, for example, the terminal device 3 displays the information on the display. Thereby, the user can recognize that the purchase of the product to be purchased is completed.

  As described above, the information processing device 2 of the credit card company does not receive the card information via the information processing device 1 but receives the card information and the purchased product information from the terminal device 3. Then, the information processing device 2 issues settlement information based on the received card information and purchased product information and transmits it to the terminal device 3, and purchase product information transmitted from the terminal device 3 and the issued settlement information. Based on the above, settlement authentication of the product that the user intends to purchase is performed.

  Thereby, in the above payment system, the user's card information can be traded without being held in the information processing apparatus 1, and the user's card information is leaked from the information processing apparatus 1 of the EC store, for example. And it can be prevented from being abused.

  For example, SLL communication may be used for communication between the information processing device 1 and the terminal device 3. In addition, for example, SLL communication may be used for communication between the information processing device 2 and the terminal device 3. Thereby, for example, the security of purchased product information and payment information transmitted and received between devices can be ensured.

  Further, CAFIS may be used for communication between the information processing apparatus 1 and the information processing apparatus 2. Thereby, for example, the security of the transfer process in step S43 and the sales process notification in step S46 can be ensured.

  Further, the information processing apparatus 1 may store the payment information transmitted from the terminal device 3 to the information processing device 2 when transferring the payment request information from the terminal device 3 to the information processing device 2 in step S43. Good. Since the payment information is not credit card information but also one-time information (information that is valid only once for payment), misuse by a third party can be suppressed even if it is leaked.

  Further, there may be a plurality of information processing apparatuses 1. Each of the plurality of information processing apparatuses 1 may be managed by different EC stores. There may also be a plurality of information processing apparatuses 2. Each of the plurality of information processing apparatuses 1 may be managed by different credit card companies.

  FIG. 4 is a diagram illustrating an example of a product selection screen of the terminal device 3. As described in step S <b> 3 of FIG. 2, when the user logs in to the information processing apparatus 1 of the EC store using the terminal device 3, a shopping screen is displayed on the display of the terminal device 3. When the user of the terminal device 3 browses the products in the EC store on the shopping screen and proceeds to a screen for selecting a product to be purchased, a screen 11a shown in FIG. 4 is displayed on the display of the terminal device 3. .

  The user selects a product to be purchased in the selection field 11aa on the screen 11a. Then, the user presses (clicks) the button 11ab in order to transmit information on the selected product to the information processing apparatus 1. Then, the terminal device 3 transmits information on the product selected in the selection field 11aa to the information processing device 1. In the example of FIG. 4, the user has selected “product A” as the product to be purchased. Then, when the button 11ab is pressed, the terminal device 3 transmits information on “product A” to the information processing device 1.

  FIG. 5 is a diagram illustrating a screen example of purchased product information of the terminal device 3. The screen 11b shown in FIG. 5 is displayed on the display of the terminal device 3, for example, when the terminal device 3 executes the process of step S16 in FIG.

  For example, as described in step S14 in FIG. 2, when the information processing apparatus 1 receives information on a product that the user wants to purchase from the terminal device 3, the information processing apparatus 1 generates purchase product information related to the received product and generates the purchased product. Information is transmitted to the terminal device 3. When the terminal device 3 receives the purchased product information generated by the information processing device 1 (step S15 in FIG. 2), the terminal device 3 displays the screen 11b on the display (step S16 in FIG. 2).

  The terminal device 3 displays the purchased product information received from the information processing device 2 in the display field 11ba of the screen 11b. For example, in the display column 11ba, purchased product information of “product A” is displayed. More specifically, the display field 11ba displays “purchase No.” including information for identifying “product A” and information for identifying an EC store from which “product A” is purchased. . In the display field 11ba, the amount of “product A” is displayed. The “123456789” portion shown in the display column 11ba is, for example, information for identifying “product A”, and the “K00000001” portion shown in the display column 11ba is, for example, the EC of the purchase destination of “product A”. This information identifies a store.

  The terminal device 3 causes the explanation unit 11bb of the screen 11b to issue a “settlement No.” (settlement information) from the credit card company, and inputs the “settlement No.” that has been issued to the input field 11bc. Displays prompting information. As a result, the user can recognize that he / she has to log in to the information processing device 2 of the credit card company and acquire the payment information (settlement No.) for the settlement of “product A”.

  When the button 11bd is pressed, the terminal device 3 displays the purchased product information (“payment No.” including information identifying the product and information identifying the store, and “amount of money” of the product) displayed in the display field 11ba. And “settlement No.” input in the input field 11bc to the information processing apparatus 1 of the EC store.

  Note that in FIG. Has not been issued, the settlement field No. is displayed in the input field 11bc. Is not entered. Therefore, for example, when the button 11bd is pressed, the terminal device 3 displays “error” or the like.

  FIG. 6 is a diagram showing a screen example of a credit approval request of the terminal device 3. The screen 12a shown in FIG. 6 is displayed on the display of the terminal device 3 when the terminal device 3 executes the process of step S23 of FIG.

  For example, as described with reference to FIG. 5, in order to purchase a product from an EC store, the user needs to log in to the information processing apparatus 2 of the credit card company and issue a “settlement No.”. The terminal device 3 accepts a login operation to the information processing device 2 from the user (step S21 in FIG. 3), and when the information processing device 2 transmits screen data of the credit approval request screen (step S22 in FIG. 3), the screen 12a is displayed on the display (step S23 in FIG. 3).

  The terminal device 3 displays information prompting the user to input the purchased product information (purchase No. and amount) generated at the EC store in the input field 12ab on the explanation unit 12aa of the screen 12a. As a result, the user can select the purchase number displayed in the display field 11ba of FIG. It can be seen that “123456789-K00000001” and the amount “1,234 yen” may be entered in the input field 12ab of the screen 12a.

  The terminal device 3 displays information prompting the user to input the card number of the user's credit card and the expiration date in the input fields 12ad and 12ae on the explanation unit 12ac of the screen 12a. Thereby, it is understood that the user only has to input the credit card number and the expiration date in the input fields 12ad and 12ae on the screen 12a.

  When the user presses the button 12af, the terminal device 3 inputs the purchase product information (a purchase number and an amount including information for identifying the product and information for identifying the store) entered in the input field 12ab, and the input The card number (PAN information) input in the field 12ad and the expiration date input in the input field 12ae are transmitted to the information processing apparatus 2 (step S32 in FIG. 3).

  When the information processing device 2 receives “purchased product information”, “card number”, and “expiration date” from the terminal device 3 (step S33 in FIG. 3), it performs credit approval of the user's credit card (FIG. 3). 3 step S34), the settlement information is issued (step S35 in FIG. 3). Then, the information processing device 2 transmits the issued settlement information to the terminal device 3 (step S36 in FIG. 3).

  FIG. 7 is a diagram illustrating an example of a payment information display screen of the terminal device 3. The screen 12b shown in FIG. 7 is displayed on the display of the terminal device 3 when the terminal device 3 executes the process of step S37 of FIG. For example, when receiving the payment information from the information processing device 2, the terminal device 3 displays the screen 12b on the display.

  The terminal device 3 displays the settlement information (settlement No.) in the display field 12ba of the screen 12b. In the case of the example shown in FIG. For “123456789-K00000001”, the settlement No. “00000001” has been issued.

  FIG. 8 is a diagram showing an example of a payment information input screen of the terminal device 3. The screen 13a shown in FIG. 8 is the same as the screen 11b shown in FIG. However, the screen 13a in FIG. 8 is different from the screen 11b in FIG. 5 in that “settlement No.” is input in the input field 13aa.

  The user sends a payment No. Is issued, the issued settlement No. In the input field 13aa. In the example of FIG. 8, the user sets the payment No. displayed in the display field 12ba of FIG. In this example, “00000001” is input to the input field 13aa of the screen 13a.

  When the user presses the button 13ab, the terminal device 3 displays the “settlement No.” input in the input field 13aa and the “purchase No.” and “amount” displayed in the display field 13ac. It transmits to the information processing apparatus 1 of EC store (step S42 of FIG. 3).

  The information processing apparatus 1 transfers “settlement No.”, “purchase No.”, and “money amount” transmitted from the terminal apparatus 3 to the information processing apparatus 2 (step S43 in FIG. 3). When the information processing apparatus 2 receives the “payment No.”, “purchase No.”, and “amount” transferred from the information processing apparatus 1, the information processing apparatus 2 performs payment authentication (step S45 in FIG. 3) and sales processing (in FIG. 3). Step S46) is performed to notify the information processing apparatus 1 that the sales process has been completed. Then, the information processing device 1 notifies the terminal device 3 that the settlement has ended.

  FIG. 9 is a diagram illustrating an example of a product settlement screen of the terminal device 3. The screen 13b shown in FIG. 9 is displayed on the display of the terminal device 3 when the terminal device 3 executes the process of step S48 of FIG. For example, the terminal device 3 displays the screen 13b on the display when receiving a notification that the settlement is completed from the information processing device 1.

  The terminal device 3 displays a message indicating that the payment has been completed on the explanation unit 13ba of the screen 13b. When the button 13bb is pressed, the terminal device 3 ends the product purchase process.

  FIG. 10 is a diagram illustrating an example of functional blocks of the information processing apparatus 1. As illustrated in FIG. 10, the information processing apparatus 1 includes a reception unit 21, a purchased product information generation unit 22, a sales registration processing unit 23, a transmission unit 24, a product information storage unit 25, and a management information storage unit 26. And have.

  The receiving unit 21 receives data from the information processing device 2 and the terminal device 3.

  When the receiving unit 21 receives information on a product that the user intends to purchase from the terminal device 3, the purchased product information generating unit 22 generates purchased product information regarding the received product.

  The sales registration processing unit 23 performs a sales registration process when the reception unit 21 receives a notification from the information processing apparatus 2 that the settlement is completed. The sales registration processing unit 23 performs a product shipping process when the product is sent to the user.

  The transmission unit 24 transmits data to the information processing device 2 and the terminal device 3.

  The merchandise information storage unit 25 stores information on merchandise handled by the EC store.

  The management information storage unit 26 stores information related to the product that the user intends to purchase.

  FIG. 11 is a diagram illustrating a data configuration example of the product information storage unit 25. As shown in FIG. 11, the product information storage unit 25 stores the product number. 25a, product name 25b, and amount 25c are stored.

  Product No. 25a is information for identifying a product that manages the information processing apparatus 1 and is handled by an EC store.

  The product name 25b is a product name of a product that manages the information processing apparatus 1 and is handled by an EC store.

  The amount 25c is the amount of a product that is managed by the EC store and that manages the information processing apparatus 1.

  For example, the product information storage unit 25 shown in FIG. It can be seen that the product name 25b whose 25a is “123456789” is “product A”. Also, it can be seen that the amount 25c of “product A” is “1,234 yen”.

  For example, the transmission unit 24 transmits the product information stored in the product information storage unit 25 when the shopping screen is transmitted in step S2 of FIG. Thereby, the terminal device 3 can display the product name 26a and the amount 25c of the product handled by the EC store on the display.

  FIG. 12 is a diagram illustrating a data configuration example of the management information storage unit 26. As shown in FIG. 12, the management information storage unit 26 includes a product name 26a, a user ID 26b, purchased product information 26c, payment information 26d, payment request information 26e, sales registration information 26f, and product shipping information 26g. And memorize.

  The product name 26a is the product name of the product that the user intends to purchase.

  The user ID 26b is a user ID of a user who intends to purchase a product. The user ID 26b is, for example, a user ID used when the user logs in to the information processing apparatus 1 in the EC store (step S1 in FIG. 2).

  The purchased product information 26c is information related to a product that the user intends to purchase. Purchased product information 26c includes store information 26ca and product number. 26 cb and an amount of money 26 cc.

  The store information 26ca is information for identifying a store from which the user purchases a product to be purchased.

  Product No. 26cb is information for identifying a product that the user intends to purchase.

  The amount 26 cc is the amount of the product that the user intends to purchase.

  The payment information 26d is payment information issued by the information processing apparatus 2 for the product that the user is trying to purchase.

  The payment request information 26e is information indicating whether or not the user has transmitted the payment request information to the information processing device 2 using the terminal device 3. For example, when receiving the payment request information in step S43 of FIG. 3, the receiving unit 21 sets the payment request information 26e to “present”. On the other hand, when the receiving unit 21 has not received the settlement request information, for example, the settlement request information 26e is “none”.

  The sales registration information 26f is information indicating whether or not the product sales processing has been performed by the information processing apparatus 2 of the credit card company. For example, when the information processing apparatus 2 performs sales processing in step S46 of FIG. 3 and the reception unit 21 receives a notification to that effect, the sales registration processing unit 23 “finishes” the sales registration information 26f. On the other hand, when the receiving unit 21 has not received the information indicating that the sales process has been performed, for example, the settlement request information 26e is “not yet”.

  When the sales registration information 26f is “completed”, each piece of information corresponding to the sales registration information 26f is information on a user who purchased the product. For example, the purchased product information 26c whose sales registration information 26f is “completed” is purchased product information of the product purchased by the user.

  The product shipping information 26g is information indicating the shipping date of the product purchased by the user. For example, when the product purchased by the user is shipped to the user, the sales registration processing unit 23 accepts the date of shipment from an employee of the EC store and stores the product shipping information 26g in the management information storage unit 26.

  For example, “Product A” shown in FIG. 12 has “saved” in the sales registration information 26f. Accordingly, the product whose product name 26 a is “product A” is the product name of the product purchased by the user whose user ID 26 b is “xxxx”. Further, it can be seen that the payment information 26d issued for the user having the user ID 26b “xxxx” to purchase “product A” is “00000001”. Further, the shipping date of “product A” is “aa / bb / cc” from the product shipping information 26g. When the sales registration information 26 f of “product A” is “not yet”, “product A” indicates the product name 26 a of the product that the user is trying to purchase.

  FIG. 13 is a diagram illustrating an example of functional blocks of the information processing apparatus 2. As illustrated in FIG. 13, the information processing apparatus 2 includes a reception unit 31, a credit approval unit 32, a payment information issuing unit 33, a payment authentication unit 34, a sales processing unit 35, a transmission unit 36, and a storage unit. 39.

  The receiving unit 31 receives data from the information processing device 1 and the terminal device 3. The receiving unit 31 includes a first receiving unit 31a and a second receiving unit 31b. The first receiving unit 31 a receives, from the user terminal device 3, the purchase product information generated by the information processing device 1 relating to the product that the user intends to purchase and the card information of the user's credit card. The second receiving unit 31b receives the purchased product information and the settlement information transmitted from the user terminal device 3.

  The credit approval unit 32 performs credit approval of the credit card based on the card information of the user's credit card received by the receiving unit 31 from the terminal device 3.

  The settlement information issuing unit 33 issues settlement information for performing the settlement of the product based on the credit approval result of the credit approval unit 32.

  The payment authentication unit 34 performs payment authentication of the product that the user intends to purchase based on the purchased product information and the payment information transmitted from the terminal device 3 received by the receiving unit 31.

  The sales processing unit 35 performs sales processing of the EC store based on the payment authentication result of the payment authentication unit 34.

  The transmission unit 36 transmits data to the information processing device 1 and the terminal device 3.

  The storage unit 39 has a customer information storage unit 37 and a payment information storage unit 38. The customer information storage unit 37 stores information related to the user's credit card.

  The payment information storage unit 38 stores the user's card information received from the terminal device 3, the purchase product information of the product that the user intends to purchase, and the payment information issued by the payment information issuing unit 33.

  FIG. 14 is a diagram illustrating a data configuration example of the customer information storage unit 37. As shown in FIG. 14, the customer information storage unit 37 stores a user ID 37a, PAN information 37b, and a card expiration date 37c. These pieces of information stored in the customer information storage unit 37 are stored, for example, when the user makes a credit card contract with a credit card company.

  The user ID 37a is identification information of a user who has made a credit card contract. For example, the user can log in to the information processing apparatus 2 described in step S21 in FIG. 3 using the user ID 37a.

  The PAN information 37b indicates PAN information of a credit card owned by the user.

  The card expiration date 37c indicates the expiration date of the credit card owned by the user.

  For example, the credit approval unit 32 of FIG. 13 can perform credit approval of the user's credit card by referring to the customer information storage unit 37. More specifically, the user who has logged in at step S21 in FIG. 3 transmits the credit approval request information to the information processing apparatus 2 at step S32 in FIG. At that time, the user's card information (PAN information and expiration date) is transmitted to the information processing apparatus 2, and the receiving unit 31 of the information processing apparatus 2 receives the user's card information. The credit approval unit 32 refers to the customer information storage unit 37 based on the user ID 37a of the user who has logged in at step S21 of FIG. 3 and the card information received by the reception unit 31, and credit approval of the user's credit card is performed. It can be performed.

  FIG. 15 is a diagram illustrating a data configuration example of the payment information storage unit 38. As shown in FIG. 15, the payment information storage unit 38 stores PAN information 38a, payment information 38b, and purchased product information 38c.

  The PAN information 38a indicates PAN information of a credit card owned by the user.

  The payment information 38b is payment information issued by the payment information issuing unit 33.

  The purchased product information 38c is information related to the product that the user intends to purchase. Purchased product information 38c includes store information 38ca and product number. 38cb and the amount of money 38cc.

  The store information 38ca is information for identifying a store from which the user purchases a product to be purchased.

  Product No. 38cb is information for identifying a product that the user intends to purchase.

  The amount 38 cc is the amount of the product that the user intends to purchase.

  For example, the terminal device 3 transmits the credit approval request information to the information processing device 2 (step S32 in FIG. 3) in response to acceptance of the credit approval request from the user (step S31 in FIG. 3). At that time, the terminal device 3 transmits the card information received from the user and the purchased product information to the information processing device 2.

  The credit approval unit 32 of the information processing device 2 performs the credit approval of the user who has made the credit approval request based on the card information transmitted from the terminal device 3 (step S34 in FIG. 3). When the credit approval unit 32 determines that the user making the credit approval request is valid, the payment information issuing unit 33 issues the payment information to the user making the credit approval request (FIG. 3). Step S35). Then, the payment information issuing unit 33 associates the issued payment information, the user's card information (PAN information 38a) transmitted together with the credit approval request, and the purchased product information 38c in the payment information storage unit 38. Remember.

  In FIG. 15, the PAN information 38a of the card information is stored in the payment information storage unit 38, but the expiration date may also be stored in association with it.

  Moreover, the payment information storage part 38 does not need to memorize | store card information (PAN information 38a). That is, the payment information issuing unit 33 may associate only the purchased product information 38c transmitted from the terminal device 3 with the issued payment information 39b and store the information in the payment information storage unit 38.

  FIG. 16 is a flowchart illustrating an example of an operation for generating purchased product information by the information processing apparatus 1. When the merchandise purchase request is transmitted from the terminal device 3 (step S12 in FIG. 2), the information processing apparatus 1 in the EC store executes the following processing.

  First, the receiving unit 21 receives a product purchase request from the terminal device 3 (step S51). When receiving the product purchase request from the terminal device 3, the receiving unit 21 also receives information on the product to be purchased, which is selected by the user.

  Next, the purchased product information generation unit 22 generates purchased product information based on the product selected by the user and received by the receiving unit 21 (step S52). For example, the purchased product information generation unit 22 includes information for identifying the product selected by the user (product No.), information for identifying the store from which the product is purchased (store information), and the price of the product. Generate purchased product information.

  Next, the purchased product information generation unit 22 stores the purchased product information generated in step S52 in the management information storage unit 26 (step S53). At that time, the purchased product information generation unit 22 associates the product name 26a of the product selected by the user received in step S51 with the user ID 26b of the user who intends to purchase the product, and generates the purchased product. Information 26 c is stored in the management information storage unit 26.

  Next, the transmitting unit 24 transmits the purchased product information generated by the purchased product information generating unit 22 to the user's terminal device 3 in step S52 (step S54).

  Thereby, the user of the terminal device 3 uses the purchased product information generated by the information processing device 1 to issue payment information for payment of the product from the information processing device 2 of the credit card company. Can do.

  FIG. 17 is a flowchart illustrating an operation example of transfer of settlement request information, sales registration, and merchandise shipment processing of the information processing apparatus 1. When the payment request information is transmitted from the terminal device 3 (step S42 in FIG. 3), the information processing apparatus 1 in the EC store executes the following processing.

  First, the receiving unit 21 receives payment request information from the terminal device 3 (step S61). At that time, the receiving unit 21 receives purchased product information and payment information transmitted from the terminal device 3.

  Next, the receiving unit 21 updates the management information storage unit 26 based on the received purchased product information and payment information (step S62). For example, the receiving unit 21 refers to the management information storage unit 26 and stores the received payment information in the column of the payment information 26d corresponding to the received purchased product information. Further, the receiving unit 21 refers to the management information storage unit 26 and changes the settlement request information 26e corresponding to the received purchased product information from “none” to “present” indicating that there is a settlement request.

  Next, in step S61, the transmission unit 24 transfers the received product purchase information and payment information to the information processing device 2 of the credit card company (step S63).

  The information processing device 2 performs payment authentication based on the purchased product information and the payment information (step S45 in FIG. 3), and when the sales process is performed, the information processing apparatus 1 is notified that the sales process has been performed. (Step S46 in FIG. 3).

  Next, the receiving unit 21 receives a sales process notification from the information processing apparatus 2 (step S64).

  Next, the sales registration processing unit 23 performs sales processing and product shipping processing for the product purchased by the user (step S65). For example, the sales registration processing unit 23 changes the sales registration information 26f in the management information storage unit 26 from “not yet” to “done” indicating that the sales processing has been performed. Further, when the product is shipped to the user, the sales registration processing unit 23 stores the product shipping information 26g indicating the shipping date in the management information storage unit 26.

  Next, the transmission unit 24 transmits to the terminal device 3 that the payment has been completed (step S66). Thereby, the user knows that the product purchase procedure is completed.

  As described above, the information processing apparatus 1 in the EC store manages the information about the product that the user intends to purchase or the product that the user has purchased in the management information storage unit 26 without storing the card information of the user. Thereby, the payment system can perform merchandise transactions so that card information is not held by a third party other than the user and the credit card company.

  FIG. 18 is a flowchart illustrating an example of the payment information issuing process of the information processing apparatus 2. When the credit approval request is transmitted from the terminal device 3 (step S32 in FIG. 3), the information processing device 2 of the credit card company executes the following processing.

  First, the receiving unit 31 receives credit approval request information from the terminal device 3 (step S71). At that time, the receiving unit 31 receives card information and purchased product information transmitted from the terminal device 3.

  Next, the credit approval unit 32 performs credit approval processing of the user's credit card based on the card information received in step S71 (step S72). For example, the credit approval unit 32 refers to the customer information storage unit 37 based on the user ID 37a used when the user logs in (step S21 in FIG. 3), and the user's PAN information 37b corresponding to the user ID 37a and The card expiration date 37c is acquired. The credit approval unit 32 compares the user's PAN information 37b and the card expiration date 37c acquired from the customer information storage unit 37 with the PAN information 37b and the card expiration date 37c received by the reception unit 31, and compares the user's credit card. Perform credit authentication processing.

  Next, the credit approval unit 32 determines whether credit approval of the credit card has been completed based on the credit approval processing in step S72 (step S73). For example, if the comparison result in step S72 matches, the credit approval unit 32 determines that credit card credit approval has been completed, and proceeds to the process in step S74 (yes in S73). If the comparison result in step S72 does not match, the credit approval unit 32 determines that credit card credit approval has failed, and the process proceeds to step S77 (No in S73).

  If the credit approval unit 32 determines in step S73 that the credit card credit has been approved in step S73, the payment information issuing unit 33 issues one-time payment information (step S74).

  Next, the payment information issuing unit 33 stores the payment information issued in step S74 in the payment information storage unit 38 (step S75). At that time, the payment information issuing unit 33 associates the user's card information (PAN information 38a) received in step S71 with the purchased product information 38c, and sends the issued payment information 38b to the payment information storage unit 38. Remember.

  Next, the transmission part 36 transmits the payment information issued in step S74 to the terminal device 3 (step S76).

  If the credit approval unit 32 determines in step S73 that credit card credit approval has failed, the transmission unit 36 transmits to the terminal device 3 that credit card credit approval has failed (step S77).

  In this way, the information processing device 2 of the credit card company issues settlement information for the user to settle the product.

  FIG. 19 is a flowchart illustrating an example of a payment process of the information processing apparatus 2. When the payment request information of the terminal device 3 is transferred from the information processing device 1 of the EC store (step S43 in FIG. 3), the information processing device 2 of the credit card company executes the following processing.

  First, the receiving unit 31 receives payment request information from the information processing apparatus 1 (step S81). At that time, the receiving unit 31 receives the purchased product information and the payment information transferred from the information processing apparatus 1.

  Next, the payment authentication unit 34 performs a payment authentication process for the product that the user intends to purchase based on the purchased product information and the payment information received in step S81 (step S82). For example, the payment authentication unit 34 refers to the payment information storage unit 38, acquires the payment information 38 b corresponding to the purchased product information received by the reception unit 31, and acquires the acquired payment information 38 b and the payment received by the reception unit 31. The information is compared with the information, and the payment authentication process for the product that the user intends to purchase is performed.

  Next, the payment authentication unit 34 determines whether or not the payment authentication of the user's product is valid based on the payment authentication processing in step S82 (step S83). For example, when the comparison result of step S82 matches, the payment authentication unit 34 determines that the payment authentication is valid, and proceeds to the process of step S84 (Yes in S83). If the comparison result of step S82 does not match, the payment authentication unit 34 determines that the payment authentication is not valid, and proceeds to the process of step S86 (No in S83).

  If the payment authentication unit 34 determines that the payment authentication is valid in step S83, the sales processing unit 35 performs sales processing (step S84). For example, the sales processing unit 35 transfers the price of the product to the account of the EC store where the user purchased the product.

  When the sales processing is performed by the sales processing unit 35, the payment authentication unit 34 deletes the PAN information 38a, the payment information 38b, and the purchased product information 38c of the product for which the sales processing has been performed from the payment information storage unit 38. . Alternatively, the settlement authentication unit 34 may rewrite the settlement information 38b of the product for which the sales process has been performed, for example, with information (for example, “0”) indicating that the sales process has been performed. As a result, the payment information 38b can be one-time information.

  Next, the transmission unit 36 transmits information indicating that the sales process has been performed to the information processing apparatus 1 in the EC store (step S85).

  If the payment authentication unit 34 determines in step S83 that the payment authentication is not valid, the transmission unit 36 transmits to the terminal device 3 via the information processing apparatus 1 that the payment authentication is illegal (step S86). ).

  In this way, the information processing apparatus 2 of the credit card company performs settlement of the product that the user intends to purchase based on the settlement information issued in one time, not the card information of the user's credit card.

  FIG. 20 is a diagram illustrating a hardware configuration example of the information processing apparatus. The information processing apparatus 1 includes, for example, an arithmetic device 41 such as a CPU (Central Processing Unit), a main storage device 42 such as a RAM (Random Access Memory), and an HDD (Hard Disk Drive) as shown in FIG. An auxiliary storage device 43, a communication interface (I / F) 44 for connecting to a communication network by wire or wireless, an input device 45 such as a mouse, keyboard, touch sensor, and touch panel, and a display device 46 such as a liquid crystal display And a read / write device 47 that reads / writes information from / to a portable storage medium such as a DVD (Digital Versatile Disk).

  For example, the functions of the reception unit 21, the purchased product information generation unit 22, the sales registration processing unit 23, and the transmission unit 24 in FIG. This is realized by executing No.41. The receiving unit 21 and the transmitting unit 24 are realized, for example, when the arithmetic device 41 uses the communication I / F 44. The merchandise information storage unit 25 and the management information storage unit 26 are realized, for example, when the arithmetic device 41 uses the main storage device 42 or the auxiliary storage device 43.

  The predetermined program may be installed from, for example, a storage medium read by the read / write device 47, or may be installed from a network via the communication I / F 44.

  The same applies to the information processing apparatus 2. For example, the functions of the reception unit 31, the credit approval unit 32, the payment information issuing unit 33, the payment authentication unit 34, the sales processing unit 35, and the transmission unit 36 in FIG. This is realized by the arithmetic unit 41 executing the predetermined program. The reception unit 31 and the transmission unit 36 are realized, for example, when the arithmetic device 41 uses the communication I / F 44. The customer information storage unit 37 and the payment information storage unit 38 are realized, for example, when the arithmetic device 41 uses the main storage device 42 or the auxiliary storage device 43.

  In this way, the receiving unit 31 of the information processing device 2 of the credit card company generates the purchase product information related to the product that the user intends to purchase and the credit card information of the user generated by the information processing device 1 of the EC store. And received from the terminal device 3 of the user. The credit approval unit 32 performs credit approval of the user's credit card based on the card information received by the receiving unit 31. The settlement information issuing unit 33 issues settlement information for performing the settlement of the product based on the credit approval result of the credit approval unit 32. The payment information storage unit 38 stores the payment information issued by the payment information issuing unit 33 and the purchased product information received by the receiving unit 31 in association with each other. The transmission unit 36 transmits the payment information issued by the payment information issuing unit 33 to the user terminal device 3. The receiving unit 31 receives purchased product information and payment information transmitted from the user terminal device 3. Then, the payment authentication unit 34 authenticates the payment of the user's product based on the purchased product information and payment information stored in the payment information storage unit 38 and the purchased product information and payment information received by the receiving unit 31. Do. Thereby, the user can make merchandise transactions so that the card information is not held in the EC store other than the user and the credit card company, and the card information can be prevented from being abused.

  In the above description, the information processing apparatus 1 generates one purchase product information for one product selected by the user to purchase. However, when the user purchases a plurality of products at a time, for example. One unique purchased product information may be generated for a plurality of products. For example, the purchased product information generation unit 22 has one unique product No. for a plurality of products selected by the user for purchase. The product No. is assigned. Purchased product information including EC store information and the total amount of a plurality of products may be generated.

  Further, the information processing apparatus 1 may be managed by a contractor commissioned from an EC store. Moreover, the trader may be entrusted by a plurality of EC stores.

  In addition, the card information includes the PAN information and the expiration date, but may include a security code. That is, the information processing apparatus 2 may issue settlement information based on card information including a security code.

  Further, the purchased product information may not include the price of the product.

  The information processing apparatus 1 can also make an inquiry about the user's credit card limit, etc., by CAFIS using the payment information 26d stored in the management information storage unit 26.

  In addition, when the sales registration processing unit 23 of the information processing device 1 receives the information that the sales processing has been performed from the information processing device 2, the sales registration information 26f of the management information storage unit 26 is set to “completed”. The date on which the sales process has been received from the processing device 2 may be stored in the management information storage unit 26 as sales registration information 26f.

[Second Embodiment]
In the second embodiment, an effective period is provided for the payment information. Then, the information processing apparatus of the credit card company invalidates the payment information when a predetermined date has passed since the payment information was issued. In the second embodiment, parts different from the first embodiment will be described.

  FIG. 21 is a diagram illustrating a data configuration example of the settlement information storage unit according to the second embodiment. In FIG. 21, the same components as those in FIG. 15 are denoted by the same reference numerals.

  As shown in FIG. 21, the payment information storage unit 50 of the information processing apparatus 2 of the credit card company stores a payment information issue date 51. For example, when storing the payment information in step S75 of FIG. 18, the payment information issuing unit 33 stores the date as the payment information issue date 51 in the payment information storage unit 50. That is, the payment information issuing unit 33 stores the payment information issue date in the payment information storage unit 50 as the payment information issue date 51.

  Even if the payment authentication unit 34 determines that the payment authentication is valid in the determination process of step S83 in FIG. 19, the reception date of the payment information received in step S81 is predetermined from the payment information issue date 51. If the date has passed, the process proceeds to step S86. That is, the payment authentication unit 34 determines that the payment information is illegal when a predetermined date has passed since the payment information was issued. The sales processing unit 35 does not perform sales processing.

  As described above, the payment authentication unit 34 determines that the payment of the merchandise is illegal if the date when the payment information is received by the receiving unit 31 has passed a predetermined date from the date stored in the payment information storage unit 50. It is determined that Thereby, the payment system can prevent the payment information from being misused.

[Third Embodiment]
In the first embodiment, the user has launched a credit card company screen (website) separately from the screen (website) provided by the EC store (step S21 in FIG. 3). In the third embodiment, merchandise transactions can be made on the screen of an EC store without the user starting up a credit card company screen. In the third embodiment, parts different from the first embodiment will be described.

  FIG. 22 is a diagram showing an example of a user registration screen according to the third embodiment. The terminal device 3 displays a button for performing user registration on the shopping screen displayed on the display, for example, by the process of step S3 in FIG. For example, when the button for performing user registration displayed on the shopping screen is pressed, the terminal device 3 displays the screen 61a on the display. Note that the image data of the screen 61a is transmitted from the information processing apparatus 1 of the EC store.

  The terminal device 3 displays information prompting the user to select a credit card company used (contracted) on the explanation part 61aa of the screen 61a. Thereby, it is understood that the user only has to select a credit card company of the credit card being used in the selection field 61ab.

  The terminal device 3 displays information prompting the user to input login information for logging in to the information processing device 2 of the selected credit card company on the explanation unit 61ac of the screen 61a. Thereby, it is understood that the user only needs to input the login information of the credit card being used in the input field 61ad.

  When the button 61ae is pressed by the user, the terminal device 3 displays the credit card company selected in the selection field 61ab and the login information of the credit card company input in the input field 61ad as the information processing apparatus in the EC store. 1 to send.

  The user registration on the screen 61a may be performed once. The information of the credit card company selected in the selection field 61ab and the log-in information input in the input field 61ad transmitted to the information processing apparatus 1 are stored in the information processing apparatus 1, and then sent to the information processing apparatus 2 Used for login.

  FIG. 23 is a diagram illustrating a screen example of purchased product information of the terminal device 3. The screen 61b shown in FIG. 23 is displayed on the display of the terminal device 3 when the terminal device 3 executes the process of step S16 of FIG.

  For example, as described in step S14 in FIG. 2, when the information processing apparatus 1 receives information on a product that the user wants to purchase from the terminal device 3, the information processing apparatus 1 generates purchase product information related to the received product and generates the purchased product. Information is transmitted to the terminal device 3. When the terminal device 3 receives the purchased product information generated by the information processing device 1 (step S15 in FIG. 2), the terminal device 3 displays the screen 61b in FIG. 23 on the display (step S16 in FIG. 2). The terminal device 3 displays the product purchase information generated by the information processing device 1 in the display field 61ba of the screen 61b.

  The screen 61b is different from the screen 11b described in FIG. The input field 11bc for inputting (settlement information) is not displayed. In the third embodiment, as described below, the user does not have to input “settlement No.” issued by the information processing apparatus 2.

  When the button 61bb is pressed, the terminal device 3 requests the information processing device 1 at the EC store to log in to the information processing device 2 at the credit card company. The information processing device 1 responds to a request from the terminal device 3, and the credit used by the user based on the information of the credit card company used by the user and the login information registered in FIG. Log in to the information processing device 2 of the card company. The transmission unit 36 of the information processing device 2 transmits image data of a screen for inputting card information to the terminal device 3 in response to a login from the user via the information processing device 1.

  FIG. 24 is a diagram illustrating an example of a card information input screen of the terminal device 3. The screen 62a illustrated in FIG. 24 is displayed on the display of the terminal device 3 when the button 61bb of the screen 61b illustrated in FIG. The image data on the screen 62a is transmitted from the transmission unit 36 of the information processing apparatus 2.

  The screen 62a is displayed on the display as a pop-up screen, for example. Therefore, FIG. 24 also shows a part of the screen 61b shown in FIG.

  The terminal device 3 displays information prompting the user to input the card information of the credit card on the explanation unit 62aa of the screen 62a. Thereby, it is understood that the user only has to input the card number in the input field 62ab and the expiration date in the input field 62ac.

  When the button 62ad is pressed, the terminal device 3 transmits the card number and the expiration date input in the input fields 62ab and 62ac to the information processing device 2 without passing through the information processing device 1. At that time, the terminal device 3 also transmits the purchased product information displayed on the screen 61 b to the information processing device 2.

  The credit approval unit 32 of the information processing device 2 performs credit approval based on the card information transmitted from the terminal device 3. Then, when the credit approval unit 32 approves the credit card of the user, the payment information issuing unit 33 issues the payment information and transmits it to the terminal device 3.

  FIG. 25 is a diagram illustrating an example of a notification information notification screen of the terminal device 3. The screen 62b shown in FIG. 25 is displayed on the display of the terminal device 3 when the button 62ad of the screen 62a shown in FIG.

  As described with reference to FIG. 24, when the button 62ad on the screen 62a is pressed, and the credit approval of the user's credit card is performed by the information processing apparatus 2, the settlement No. Is sent. The terminal device 3 receives the payment number transmitted from the information processing device 2. Is displayed in the display field 62ba of the screen 62b.

  When the button 62bb is pressed, the terminal device 3 displays the payment No. displayed in the display field 62ba. And the product purchase information displayed in the display field 62bc of the screen 62b are transmitted to the information processing apparatus 2. Then, the information processing apparatus 2 receives the received payment number. And payment authentication based on the product purchase information (step S45).

  As described above, the transmission unit 36 of the information processing device 2 displays the button 61bb displayed on the screen 61b on the screen 61b on which the terminal device 3 displays the purchased product information generated by the information processing device 1 of the EC store. When is pressed, the image data of the screen 62a for inputting the user's card information is transmitted to the terminal device 3. Thereby, the user can perform the transaction of goods, without starting up the screen of a credit card company separately from the screen of EC store.

  Further, the payment information issued by the payment information issuing unit 33 of the information processing device 2 is displayed on the display (display field 62ba of the screen 62a) of the terminal device 3, as described with reference to FIG. Therefore, the user can transmit the payment information to the information processing device 2 by pressing the button 62bb without inputting the payment information issued by the payment information issuing unit 33 to the terminal device 3.

  The functional configurations of the information processing apparatuses 1 and 2 described above are classified according to main processing contents in order to facilitate understanding of the configurations of the information processing apparatuses 1 and 2. The present invention is not limited by the way of classification and names of the constituent elements. The configurations of the information processing apparatuses 1 and 2 can be classified into more components according to the processing contents. Moreover, it can also classify | categorize so that one component may perform more processes. Further, the processing of each component may be executed by one hardware or may be executed by a plurality of hardware.

  Further, each processing unit of the above-described sequence and flowchart is divided according to main processing contents in order to facilitate understanding of the processing of the information processing apparatuses 1 and 2. The present invention is not limited by the way of dividing the processing unit or the name. The processing of the information processing apparatuses 1 and 2 can be divided into more processing units according to the processing content. Moreover, it can also divide | segment so that one process unit may contain many processes.

  As mentioned above, although this invention was demonstrated using embodiment, the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above-described embodiments, and the embodiments can be combined. In addition, it is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention. The present invention can also be provided as a settlement method, a program for performing settlement processing, and a storage medium storing the program.

  1, 2: Information processing device, 3: Terminal device, 4: Network, 5: Card network, 11a: Screen, 11aa: Selection column, 11ab: Button, 11b: Screen, 11ba: Display column, 11bb: Description part, 11bc : Input field, 11bd: button, 12a: screen, 12aa description part, 12ab: display field, 12ac: description part, 12ad: input field, 12ae: input field, 12b: screen, 12ba: display field, 13a: screen, 13aa : Input field, 13ab: button, 13ac: display field, 13b: screen, 13ba: description part, 13bb: button, 21: reception part, 22: purchased product information generation part, 23: sales registration processing part, 24: transmission part , 25: product information storage unit, 26: management information storage unit, 31: reception unit, 31a: first reception unit, 31b: second reception unit, 32: credit approval unit, 33 Settlement information issuing unit, 34: Settlement authentication unit, 35: Sales processing unit, 36: Transmission unit, 37: Customer information storage unit, 38: Settlement information storage unit, 39: Storage unit, 50: Settlement information storage unit, 51: Settlement information issue date, 61a: screen, 61ab: selection field, 61b: screen, 61ba: display field, 61bb: button, 62a: screen, 62aa: description part, 62ab: input field, 62ac: input field, 62ad: button, 62bc: display column.

Claims (12)

A first receiving unit that receives from the user's terminal device the purchased product information generated by the product information processing apparatus and related to the product that the user intends to purchase; and the card information of the user's credit card;
A credit approval unit that performs credit approval of the credit card based on the card information received by the first receiving unit;
Based on the credit approval result of the credit approval unit, a payment information issuing unit that issues payment information for payment of the product;
A payment information storage unit that stores the payment information issued by the payment information issuing unit in association with the purchase product information received by the first receiving unit;
A transmission unit for transmitting the payment information issued by the payment information issuing unit to the terminal device of the user;
A second receiver for receiving said transmitted from the terminal device, the payment information and the purchased product information that will be transferred by the product information processing apparatus of said user,
Based on the purchased product information and the payment information stored in the payment information storage unit, and the purchased product information and the payment information received by the second receiving unit, payment authentication of the product of the user A payment authentication unit that performs
A payment information processing apparatus comprising: The payment information processing apparatus according to claim 1,
The payment authentication unit determines whether the purchased product information and the payment information received by the second receiving unit are associated with each other and stored in the payment information storage unit, and Authenticate payment,
A payment information processing apparatus. The payment information processing apparatus according to claim 2,
The payment information storage unit further stores a date when the payment information is issued,
The payment authentication unit may not settle the product if the date when the payment information is received by the second receiving unit has passed a predetermined date from the date stored in the payment information storage unit. To determine that it is legitimate,
A payment information processing apparatus. The payment information processing apparatus according to any one of claims 1 to 3,
When a predetermined button displayed on the screen is pressed on a screen on which the terminal device of the user displays the purchased product information generated by the product information processing device, the card information of the user An image data transmitting unit for transmitting image data of an input screen for inputting to the terminal device,
The payment information processing apparatus further comprising: The payment information processing apparatus according to claim 4,
The first receiving unit receives the card information input on the input screen of the terminal device;
A payment information processing apparatus. The payment information processing apparatus according to claim 4,
The payment information transmitted by the transmission unit to the terminal device is displayed on the terminal device.
A payment information processing apparatus. It is the payment information processing apparatus as described in any one of Claims 1-6, Comprising: The said payment information is information effective only once.
A payment information processing apparatus. The payment information processing apparatus according to any one of claims 1 to 7,
The card information includes PAN information of the credit card and an expiration date.
A payment information processing apparatus. The payment information processing apparatus according to any one of claims 1 to 8,
The purchased product information includes information for identifying the product and information for identifying a store that sells the product.
A payment information processing apparatus. In the payment method of the payment information processing apparatus,
A first receiving step of receiving, from the user terminal device, purchased product information generated by the product information processing apparatus relating to the product that the user intends to purchase and card information of the user's credit card;
A credit approval step of performing credit approval of the credit card based on the card information received by the first receiving step;
A settlement information issuing step for issuing settlement information for performing settlement of the product based on a credit approval result of the credit approval step;
A settlement information storage step for storing the settlement information issued by the settlement information issuing step and the purchase merchandise information received by the first receiving step in association with each other;
A transmitting unit step for transmitting the payment information issued by the payment information issuing step to the terminal device of the user;
Transmitted from the terminal device of the user, a second receiving step of receiving said payment information and the purchased product information that will be transferred by the product information processing apparatus,
Based on the purchase merchandise information and the settlement information stored in the settlement information storage step, and the purchase merchandise information and the settlement information received in the second reception step, the user settles the merchandise. A payment authentication step for authenticating;
A settlement method characterized by comprising: A program for a payment information processing apparatus,
A first receiving unit that receives from the user's terminal device the purchased product information generated by the product information processing apparatus and related to the product that the user intends to purchase; and the card information of the user's credit card;
A credit approval unit that performs credit approval of the credit card based on the card information received by the first receiving unit;
Based on the credit approval result of the credit approval unit, a payment information issuing unit that issues payment information for payment of the product;
A payment information storage unit that stores the payment information issued by the payment information issuing unit in association with the purchase product information received by the first receiving unit;
A transmission unit for transmitting the payment information issued by the payment information issuing unit to the terminal device of the user;
A second receiver for receiving said transmitted from the terminal device, the payment information and the purchased product information that will be transferred by the product information processing apparatus of said user,
Based on the purchased product information and the payment information stored in the payment information storage unit, and the purchased product information and the payment information received by the second receiving unit, payment authentication of the product of the user A payment authentication unit that performs
A program for causing the payment information processing apparatus to function as: A first receiving unit that receives information on a product selected by the user for purchase from the terminal device of the user;
A purchase product information generation unit that generates purchase product information related to the product in response to receiving the product information of the first reception unit;
The purchase product information generated by the purchase product information generation unit is transmitted to the terminal device of the user, and the purchase product information and payment information received from the terminal device of the user are transferred to a payment information processing device . 1 transmission unit;
A product information processing apparatus having
A second receiving unit that receives the purchased product information and card information of the user's credit card from the user's terminal device;
A credit approval unit that performs credit approval of the credit card based on the card information received by the second receiving unit;
Based on the credit approval result of the credit approval unit, and settlement information issuing unit that issues the payment information for the settlement of the commodity,
A payment information storage unit for storing the payment information issued by the payment information issuing unit and the purchase product information received by the second reception unit in association with each other;
A second transmission unit that transmits the payment information issued by the payment information issuing unit to the terminal device of the user;
A third receiver for receiving said transmitted from the terminal device, the payment information and the purchased product information that will be transferred by the product information processing apparatus of said user,
Based on the purchased product information and the payment information stored in the payment information storage unit, and the purchased product information and the payment information received by the third receiving unit, payment authentication of the product of the user A payment authentication unit that performs
Wherein the payment information processing apparatus having a,
A payment system characterized by comprising:

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