JP2003058801A - Electronic settlement method, electronic settlement server device and electronic settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide electronic settlement service capable of promoting the user of electronic money. SOLUTION: When a user purchases electronic money and uses the electronic money for settlement, a cash back amount is calculated in accordance with the settlement amount. The cash back amounts of all users are totalized every week and the total cash back amount is distributed to respective users in accordance with the totalized settlement amount of each user. Thereby the value of electronic money is increased in accordance with the frequency of its use.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic payment service, and more particularly, to a prepaid electronic payment service in which the value of electronic money increases after purchase.

[0002]

2. Description of the Related Art Various types of electronic money using an IC card have been proposed and some of them have been realized, but the fact is that none of the electronic money has spread. Electronic money requires advanced security technology, resulting in enormous cost. Therefore, the conventional proposals have been focused on improving the security technology. However, consumers should not consider using new electronic money simply because it is “convenient and safe”. This is because existing payment methods such as cash, credit cards, debit cards, and internet banking are sufficient.

[0003]

SUMMARY OF THE INVENTION An object of the present invention is to provide an electronic settlement service which can promote the use of electronic money.

Another object of the present invention is to provide an electronic payment service in which the value of electronic money increases after purchase.

Still another object of the present invention is to provide an electronic payment service in which the value of electronic money increases according to the total payment amount.

[0006] Yet another object of the present invention is to provide an electronic settlement service in which the value of electronic money increases according to the total amount of advance payment.

[0007]

An electronic payment system according to the present invention comprises a user terminal and an electronic payment server device connected to the user terminal through a network.
The user's terminal has means for inputting the purchase amount of electronic money according to the user's operation, means for transmitting the input purchase amount to the electronic settlement server device, and the user transmitted from the electronic settlement server device. And a means for displaying the balance of the received account. The electronic payment server device includes means for receiving the purchase amount of electronic money transmitted from the user's terminal, means for performing settlement processing for the received purchase amount, and a database having an account opened for each user. , A means for adding the purchase amount as a prepaid amount to the balance of the user's account in the account database, a means for transmitting the balance of the user's account to the user's terminal after adding the purchase amount, and the balance of the account After sending, the means for calculating the reward amount according to a predetermined method and means for adding the calculated reward amount to the balance of the user's account in the account database.

In the electronic settlement system according to the present invention, the user's terminal inputs the purchase amount of electronic money according to the user's operation and transmits the input purchase amount to the electronic settlement server device. The electronic payment server device receives the purchase amount of the electronic money transmitted from the user's terminal, executes settlement processing on the received purchase amount, and adds the purchase amount to the balance of the user's account opened in the account database. Is added as a prepaid amount, the purchase amount is added, the balance of the user's account is sent to the user's terminal, and then the reward amount is calculated according to a predetermined method, and the calculated reward amount is calculated in the account database. Add to the balance of the user's account in. The user terminal receives the balance of the user's account transmitted from the electronic payment server device, and displays the received account balance.

According to the present invention, electronic money is issued by depositing a purchase amount of electronic money desired by a user as a pre-paid amount (prepayment amount for the user) to issue electronic money, and thereafter a reward is paid. Since the value of the electronic money issued by depositing into the user's account is increased, the use of electronic money can be promoted.

[0010] Preferably, the electronic payment server device receives the remittance amount of the electronic money transmitted from the user's terminal, subtracts the received remittance amount from the balance of the user's account in the account database, and obtains the remittance amount. The reward amount is calculated accordingly, and the calculated reward amount is added to the balance of the user's account in the account database.

According to the present invention, the reward amount is calculated according to the remittance amount and deposited in the user's account. Therefore, when the user actually uses electronic money to make a payment, the value of the electronic money is reduced. As a result, it is possible to promote payment by electronic money.

Alternatively, the electronic settlement server device calculates the total amount of the received amount, calculates the reward amount according to the calculated amount of the received amount, and adds the calculated reward amount to the balance of the user's account in the account database. To do.

According to the present invention, the reward amount is calculated according to the total amount of the advance payment and is deposited in the user's account.
When the number of users who purchase electronic money increases, the value of electronic money increases, and as a result, the purchase of electronic money can be promoted.

[0014]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described in detail below with reference to the drawings. In the drawings, the same or corresponding parts will be denoted by the same reference characters and description thereof will not be repeated.

[First Embodiment] 1.1. Basic scheme of service 1.1.1. Electronic Money Purchase FIG. 1 is a diagram showing an electronic money purchase scheme in the electronic payment service according to the first embodiment of the present invention.
Here, the case where the user A purchases the electronic money M-01 for 10,000 yen on June 1 is illustrated. This service offers multiple types of electronic money that can be used. Electronic money includes general-purpose electronic money in which available stores are not limited and dedicated electronic money in which available stores are limited. A sale period is set for each electronic money. The user can select the desired electronic money from among multiple types of electronic money.

First, the user A who wants to purchase the electronic money M-01 uses the mobile phone 10 to transmit the key code, the customer number and the password to the issuing agency. The key code is information unique to the mobile phone 10, such as the subscriber ID, and is automatically transmitted from the mobile phone when connecting to the Internet. The issuing agency authenticates the user A by collating the received key code, customer number and password with those registered in the customer information 20 in advance.

After the completion of the authentication, the user A has the mobile phone 10
The purchase amount of electronic money to be purchased using
50,000 Yen "and the payment method are sent to the issuing agency.
The issuing organization makes a payment for the received purchase amount according to the received payment method.

Subsequently, the issuing organization issues electronic money according to the purchase amount. Specifically, from the electronic money basic information 21, the issuing rate of electronic money “1.00
Search for "1". Subsequently, the electronic money issuance statement 22 is updated, the purchase amount is recorded as the advance amount "10,000 yen", and the product amount multiplied by the issue rate is recorded as the issue price "10,010 yen". Then, the user account information 23 is updated, and the count indicating the number of cash back (reward money to be returned to the user) is incremented. When the user A purchases electronic money for the first time, the count is set to "1". Finally, the electronic money purchase history 24 is updated, and the prepayment amount (the advance payment amount for the issuing organization) "10,000 yen" and the issue price "10,01
Record 0 yen, etc. Therefore, here, "10,
A reward of "10 yen" is given at the time of purchase for the purchase amount of "000 yen".

1.1.2. Electronic Money Remittance FIG. 2 is a diagram showing an electronic money remittance scheme in this service. Here, after the situation shown in FIG. 1, the user A purchases electronic money M-01 worth 3,000 yen on June 5.
Exemplifies the case of sending money to a virtual store. Prior to this remittance, user B purchased electronic money M-01 worth 5,000 yen on June 3, and user C purchased 5,0 on June 5.
I have purchased electronic money M-01 for ¥ 00.

First, user A places an order at a virtual store,
In response to this, the virtual store notifies the user A of the payment details. This notification content includes the member store number (remittance destination) “11111” of the virtual store and the billing amount “3,000 yen”.

Next, the user A who wants to transfer the billed amount to the virtual store uses the mobile phone 10 and uses the key code,
Send the customer number and password to the issuing agency. The issuing organization authenticates in the same manner as above, and when the authentication is completed, requests the user A for specific remittance contents. In response to this request, the user A sends the member store number of the remittance destination and the remittance amount to the issuing agency.

Next, the issuing institution makes an electronic money transfer statement 2
5 is updated, and the customer number, the member store number of the remittance destination, the remittance amount, and the fee are recorded. The fee is collected from the virtual store by the issuing agency from the remittance amount. In this example, the fee is 4% of the remittance amount. The fee includes the income of the issuing organization and cashback to be returned to the user as a reward. In this example, 3% of 4% is devoted to income and 1% is devoted to cashback. Income "90 yen" is remittance amount "3,000 yen",
It is calculated by multiplying the income rate “3%” of the electronic money basic information 21. The cashback “30 yen” is calculated by multiplying the remittance amount “3,000 yen” by the cashback rate “1%” of the electronic money basic information 21.

Subsequently, the issuing organization updates the user settlement history 26, and the customer number of the user A is "00001", the member store number of the remittance destination is "11111", and the settlement amount (remittance amount) is "3".
000 yen ”is recorded.

Then, the issuing organization updates the user account information 23 and records the balance "7,010 yen" of the electronic money M-01. This balance is "10,010" before remittance.
It is calculated by subtracting the settlement amount (remittance amount) "3,000 yen" from "yen". The count is maintained at "1".

Next, the issuing organization updates the member store deposit history 27, records the customer number "00001" of the user A as the sender number, and further records the settlement amount "3,000 yen" and the like.

Subsequently, the issuing organization notifies the user A of the completion of remittance by electronic mail. Finally, the issuing agency is User A
Notifies the virtual store by e-mail that the payment amount of "3,000 yen" has been received from.

1.1.3. Cashback FIG. 3 is a diagram showing a cumulative cashback scheme in this service. Here, after the situation shown in FIG. 2, the user C remits "5005 yen" on June 6,
The case where the service dated June 6 has ended is illustrated.

After the end of the service on June 6, the issuing organization accumulates cash back for remittances on that day and updates the electronic money fluctuation information 28 to record the total cash back of "20,000 yen" this week. To do.

FIG. 4 is a diagram showing a cashback scheme in this service. Here, the situation is illustrated after the cumulative total shown in FIG. 3 and before the service starts on June 6.

The issuing organization creates a cashback totaling file 29. Specifically, the accumulated settlement amount, settlement count, balance count, and count counter are recorded for each user and for each used electronic money. For example, the user A with the customer number “00001” will receive the electronic money “M-0
Since the total of "3,000 yen" has been settled with "1", this accumulated settlement amount of "3,000 yen" is used as electronic money basic information 2
The quotient "1" when divided by the count unit price "2,000 yen" of 1 is recorded as the settlement count. The count unit price is the unit price of the payment amount of electronic money required to generate one count. Also, the count of the user account information 23 shown in FIG. 3 is totaled and recorded as the balance count “1”. Then, the settlement count "1" and the balance count "1" are added, and the sum "2" is recorded as a counter. Similarly, user B (customer number "0000
2)) and the electronic money "M-01" used by the user C (customer number "00009"), the cumulative settlement amount, settlement count, balance count, and counter are calculated and recorded.

Next, the issuing organization calculates the cashback unit price (the amount of dividend per count). In particular,
The quotient when this week's cashback total "230,000 yen" in the electronic money fluctuation information 28 is divided by the cumulative total of the countbacks of the cashback summary file 29 is recorded as the dividend for this week. For example, if the cumulative total of the electronic money “M-01” is “10,723”, the dividend for this week is “21 yen (= 230,000 yen / 1)
0723) ”.

Next, the issuing organization updates the user cashback history 30 and records the customer number, cashback amount and the like. The cashback amount is calculated by multiplying the payout amount of this week in the electronic money fluctuation information 28 by the count total of the cashback aggregation file 29. In this example, the cashback amount for the customer number “00001” is “42 yen (= 21 yen × 2)”, and the cashback amount for the customer number “00002” is “21”.
Yen (= 21 Yen x 1) "and customer number" 00009 "
Cash back amount is "63 yen (= 21 yen x 3)"
Becomes

Subsequently, the issuing organization updates the user account information 23 and records the new balance and count of electronic money. In this example, the customer number “00001” has a balance of “7,052 yen (= 7,010 yen + 42 yen)”,
The balance of the customer number "00002" is "5,026 yen (=
(5,005 yen +21 yen) "and customer number" 0000
The balance of "9" is "63 yen (= 0 yen + 63 yen)". Further, since the balances of the customer numbers "00001" and "00002" before the update are not "0 yen", these counts are maintained as "1". Since the balance of the customer number "00009" before the update is "0 yen", this count is reset to "0". Therefore, here, after the purchase of the electronic money, “42 yen” is given to the user A, “21 yen” is given to the user B, and “63 yen” is given to the user C as reward money.

Finally, the issuing organization determines the cashback amount in the user cashback history 30 and the user account information 3
Notify the user of the available electronic money balance of 1.

As described above, in this service, the cashback amount according to the settlement amount is totaled on a weekly basis, and the total cashback amount is distributed according to the cumulative settlement amount of each user.

1.2. System Configuration and Operation Next, the configuration and operation of a computer network system for realizing the electronic payment service described above will be described.

1.2.1. Electronic Money Purchase FIG. 5 is a block diagram showing a system configuration required for the electronic money purchase process shown in FIG. Referring to FIG.
The system includes a mobile phone 10 of a user, a WWW (World Wide Web) server 200 of an issuing organization, a server 300 of a mobile phone company, and a server 400 of a financial institution. The mobile phone 10 is connected to the server 300 of the mobile phone company through the wireless base station 303. The server 200 of the issuing institution is connected to the server 300 of the mobile phone company and the server 400 of the financial institution via the Internet 50.

The mobile phone 10 transmits / receives data to / from a data processing unit 101 including a CPU (Central Processing Unit), a RAM (Random Access Memory) 102, a ROM (Read Only Memory) 103, an antenna 104. Transmitter / receiver 105 for input and input device 1 such as a numeric keypad
06, the battery 107, the interface (I /
F) unit 108 and display device 109 such as a liquid crystal display
With. The power adapter 110 is attached to the interface unit 108 and charges the battery 107.

The server 200 of the issuing organization includes a data processing unit 201 including a CPU and a user information database 2
02, an electronic money information database 203, a member store information database 204, and a work memory 205.

The user information database 202 records customer information 20, user account information 23, electronic money purchase history 24, user settlement history 26, and user cashback history 30.

In the customer information 20, as shown in FIGS. 1 to 4, the customer number, name, key code, password, mobile phone number, and mail address of the user are registered in advance.

In the user account information 23, the customer number of the user, the type of electronic money owned by the user, the necessity of the rate change notification, the notification time zone, the electronic money balance, and the count are recorded. . In the rate change notification, “Required” is recorded when the user requests the rate change notification, and “Not required” is recorded when the user does not request the rate change notification. In the notification time zone, the time zone in which the user wants to be notified of the rate change, for example, "am", "pm" or "midnight" is recorded. The balance of electronic money owned by the user is recorded in the electronic money balance. The count is the number of dividends that the user receives cash back.

In the electronic money purchase history 24, the customer number of the user, the type of electronic money purchased by the user, the purchase date of the electronic money, the prepaid amount paid to purchase the electronic money, and the issuance of the electronic money. The price is recorded.

In the user settlement history 26, the customer number of the user, the type of electronic money used by the user for settlement, the settlement date, the member store number of the remittance destination, and the settlement amount are recorded.

In the user cashback history 30, the customer number of the user, the type of electronic money targeted for cashback, the date of cashback, and the amount of cashback are recorded.

In the electronic money information database 203,
As shown in FIG. 5, electronic money basic information 21, electronic money issue statement 22, electronic money remittance statement 25, and electronic money change information 28 are recorded.

The electronic money basic information 21 is shown in FIGS.
As shown in, the type of electronic money, the issuance rate, the fee rate (income and cashback), the count unit price, and the date to which these are applied are registered in advance. These are recorded for each type of electronic money.
The issue rate is the ratio of the issue price of electronic money to the purchase amount of electronic money. The fee rate is a ratio of the fee collected by the issuing agency from the member store to the settlement amount, and includes an income rate and a cashback rate. The income rate is the ratio of the amount of income that actually enters the issuing agency to the amount of settlement. The cashback rate is the ratio of the cashback amount returned to the user to the settlement amount. The count unit price is the unit price of the payment amount necessary to generate one count.

In the electronic money issuance statement 22, the type of electronic money, the customer number of the user, the amount of advance payment, the issue date, and the issue price are recorded.

The electronic money remittance specification 25 includes the date of remittance of electronic money, the type of electronic money remitted, the customer number of the user who remits the electronic money, the member store number of the remittance destination, the remittance amount, the income, and cash back. Is recorded. Revenue is calculated by multiplying the remittance amount by the rate of revenue. Cashback is calculated by multiplying the amount of money transferred by the rate of cashback.

The electronic money change information 28 records the type of electronic money, the total cash back amount, and the payout amount. Here, the total cash back from two weeks ago to this week is recorded. Similarly, the dividend amount from two weeks ago to this week is also recorded. These are recorded for each type of electronic money.

The member store information database 204 is shown in FIG.
As shown in, the member store information 31 and the member store deposit history 27
And are recorded.

As shown in FIGS. 2 and 3, the member store information 31 includes the member store number, the type of electronic money that can be used in the member store, the store name, and the payment destination (account number of the transaction bank). Etc.) are registered in advance.

In the member store deposit history 27, a deposit history is recorded for each member store. Specifically, the customer number of the user who remitted the electronic money, the type of the remitted electronic money, the remittance date, and the settlement amount are recorded.

In the work memory 205, as shown in FIG. 5, a cashback totaling file 29 is stored. As shown in FIG. 4, in the cashback totaling file 29, the customer number, the type of electronic money, the cumulative settlement amount of this week by the electronic money, the settlement count, the balance count, and the count meter are recorded. These are recorded for each customer number for each type of electronic money.

As shown in FIG. 5, the server 300 of the mobile phone company includes a data processing unit 301 including a CPU and the like. The data processing unit 301 is connected to the wireless base station 303 and also connected to the data processing unit 201 of the server 200 of the issuing organization via the Internet 50. The data transmitted from the antenna 104 of the mobile phone 10 is received by the antenna 302 of the wireless base station 303 and transmitted to the data processing unit 201 through the data processing unit 301 and the Internet 50.

The server 400 of the financial institution comprises a data processing unit 401 including a CPU and the like, and a database 402. In the database 402, user information 40, account information 41, account history 42 and the like are recorded.

Next, the purchase processing by this system will be described with reference to the flow charts shown in FIGS.

The user inputs the input device 106 of the mobile phone 10.
When a menu is selected by operating, the display device 109 displays a menu screen as shown in FIG. When the user operates the input device 106 and selects "purchase" from the "purchase menu", the input device 106 inputs this purchase selection (S100). As a result, the mobile phone 10
Is a mobile phone company server 300 and the Internet 5
Connected to the server 200 of the issuing organization through 0, the transmitting / receiving unit 105 transmits the purchase selection to the server 200 of the issuing organization.

In the server 200 of the issuing organization, the data processing unit 201 receives the purchase selection transmitted from the mobile phone 10 (S200), and accordingly the total cash back amount in the electronic money fluctuation information 28 is transferred to the mobile phone 10. Send to.

The transmitting / receiving unit 105 of the mobile phone 10 receives this (S101), and the display device 109 displays the electronic money list screen as shown in FIG. 8 (b). Here, the planned total amount of cash back is displayed for each type of electronic money. Further, when the user selects the type of electronic money, the input device 106 inputs the selected type of electronic money (S102), and the display device 109 displays a cashback information screen as shown in FIG. 8C. . Here, the cashback total of the selected electronic money for this week, last week, and last week is displayed.

Subsequently, when the user confirms the total cash back amount and selects "purchase" in the screen note shown in FIG. 8C, the transmitting / receiving unit 105 determines the type of electronic money selected by the issuing agency's server. It transmits to 200 (S103).

In the server 200 of the issuing agency, the data processing unit 201 receives the type of electronic money transmitted from the mobile phone 10 (S202), and accordingly sends a request for the customer number and password to the mobile phone 10. Yes (S203).

The transmitting / receiving unit 105 of the mobile phone 10 receives this (S104), and in response to this, the display device 109 displays a purchase screen as shown in FIG. 8 (d). When the user inputs the customer number and password, the input device 106
Inputs these (S105).

Subsequently, the transmitting / receiving unit 105 transmits the input customer number and password together with the key code stored in the ROM 103 in advance to the server 200 of the issuing agency (S106).

In the server 200 of the issuing agency, the data processing unit 201 receives the customer number, password and key code transmitted from the mobile phone 10 (S20).
4).

Next, the data processing unit 201 searches the customer information 20 based on the received customer number and extracts the key code and password corresponding to the received customer number (S205).

Subsequently, the data processing unit 201 compares the received key code and password with the extracted key code and password, respectively, and authenticates the user (S206). If at least one of the key code and the password does not match, the data processing unit 201 transmits an authentication abnormality notification to the mobile phone 10 (S207).
The transmission / reception unit 105 of the mobile phone 10 receives this notification (S107), and in response thereto, the display device 109 displays the authentication abnormality (S108). On the other hand, if both the key code and the password match as a result of the authentication, the data processing unit 201 determines whether the purchase amount of electronic money, the payment method of the purchase amount, the necessity of cashback notification, and the notification time period, etc. A content request is transmitted to the mobile phone 10 (S208).

The transmitting / receiving unit 105 of the mobile phone 10 receives the request for the purchase content transmitted from the issuing agency (S10).
9) and accordingly, the display device 109 displays the input screen for the purchased electronic money as shown in FIG.

The input device 106 inputs the electronic money selected according to the operation of the user, the purchase amount, the payment method, and the necessity of cashback notification (S110 to S11).
2). Subsequently, the data processing unit 101 determines whether or not the cashback notification is necessary (S113), and when the cashback notification is necessary, the input device 106 inputs the notification time zone selected according to the operation of the user ( S114). Then, the transmission / reception unit 105 transmits the purchase details input in steps S110 to S114 to the server 200 of the issuing agency (S115). When the cashback notification is "necessary", when the value of electronic money increases as described later,
The cashback notification is automatically delivered to the mobile phone 10 in the selected time zone. On the other hand, if the cashback notification is "unnecessary", the cashback notification is not delivered even if the value of the electronic money increases. In this case, the user can confirm that there is cash back by checking the balance of the account on the mobile phone 10.

In the server 200 of the issuing organization, the data processing unit 201 receives the purchase details transmitted from the mobile phone 10 (S209). Step S100 described above
-S115 and S200-S209 are performed in one session. Then, the data processing unit 201 performs payment processing for the purchase amount according to the selected payment method (S).
210). In the example shown in FIG. 8 (e), "X Net Bank" is selected, and electronic money "M-01" for "10,000 yen" is purchased. Therefore, a user opened in X Net Bank From the account of A to the account of the issuing agency, "10,000
0 yen will be transferred.

Next, the data processing unit 201 determines whether or not the payment is completed (S211), and if the payment cannot be made due to insufficient bank account balance, etc., an e-mail indicating that purchase is not possible is transmitted to the mobile phone 10. (S212). The transmitting / receiving unit 105 of the mobile phone 10 receives this e-mail (S1
16), the display device 109 displays the content of the received e-mail (purchasable) (S117). On the other hand, when the payment is completed in step S211, the data processing unit 20
1 retrieves the issuance rate of the selected electronic money from the electronic money basic information 21 (S213). In this example, since the electronic money “M-01” is selected, the issuing rate “1.001” is searched.

Subsequently, the data processing unit 201 issues electronic money and updates the electronic money issue statement 25 (S21).
4). In this example, the selected electronic money “M-0
1 ", customer number" 00001 ", advance payment" 10,000 "
0 yen ", issue date" June 1st ", and issue price" 10,
"010 yen" is recorded in the electronic money issuance statement 22. The issue price is calculated by the following equation (1).

Issue price = Purchase amount (advanced amount) × Issue rate (1) Subsequently, the data processing unit 201 updates the user account information 23 (S215). In this example, the customer number of user A “00001”, the selected electronic money “M-01”,
As the necessity of cashback notification, “necessary”, notification time zone “am”, electronic money balance “10,010 yen”, and count “1” are recorded in the user account information 23.

Subsequently, the data processing unit 201 updates the electronic money purchase history 24 (S216). In this example, user A's customer number "00001", selected electronic money type "M-01", purchase date "June 1st", advance payment (advance payment) "10,000 yen", and Electronic money issue price "10,010 yen" is electronic money purchase history 2
Recorded in 4.

Then, the data processing unit 201 sends the electronic money balance of the user account information 23 to the mobile phone 10 by e-mail as a notification of the completion of issuing electronic money (S217).

The transmitting / receiving unit 105 of the mobile phone 10 receives the balance of the electronic money transmitted from the issuing institution (S11
8) and accordingly, the display device 109 displays the issuance completion screen as shown in FIG. 8F (S119). Here, the customer number, name, electronic money and the balance of the user A are displayed.

1.2.2. Electronic Money Remittance FIG. 9 is a block diagram showing a system configuration necessary for the remittance processing shown in FIG. Referring to FIG. 9, the present system includes a mobile phone 10 of a user, a PC (personal computer) 500 of the user, and a server 200 of an issuing agency.
And a mobile phone company server 300 and a virtual store server 600. The user's PC 500 includes a data processing unit 501 including a CPU, a memory 502, a hard disk (HD) 503, a modem 504, an input device 505 such as a keyboard, and a display device 5 such as a display.
06 and. Similarly, the server 600 of the virtual store is C
A data processing unit 601 including a PU and a memory 602
A hard disk 603, a modem 604, an input device 605, and a display device 606.

The PC 500 is connected to the server 600 of the virtual store via the Internet 50. The server 200 of the issuing agency is connected to the server 600 of the virtual store via the Internet 50.

Next, the remittance processing by this system is shown in FIG.
And it demonstrates with reference to the flowchart shown in FIG.

The user is the PC 500 or the mobile phone 10.
To order the product or service provided in the virtual store (S500). The server 600 of the virtual store receives the order transmitted from the PC 500 or the mobile phone 10 (S600), and according to the order, the billing amount and the member store number of the remittance destination are stored on the Internet 5
It transmits to PC500 or the mobile telephone 10 through 0 (S601). The PC 500 or the mobile phone 10 receives these (S501).

Next, when the user operates the mobile phone 10 to select a menu, the display device 109 displays the screen shown in FIG.
Display the menu screen as shown in. When the user selects "money transfer" in the menu screen, the input device 106 inputs "money transfer" in response to the user's operation (S120), and in response thereto, the display device 109 shows in FIG. 12 (b). Display a remittance screen like this.

The user inputs the customer number and password on this remittance screen and further selects the type of electronic money to be remitted to the virtual store. The input device 106 inputs a customer number and a password according to the operation of the user (S
121) and input the type of the selected electronic money (S122).

When the user selects "OK" on the remittance screen, the transmission / reception unit 105 transmits the customer number, the password, and the selected electronic money type to the server 200 of the issuing agency (S123). At this time, the transmitting / receiving unit 105
The key code stored in advance in M103 is also transmitted (S123).

In the server 200 of the issuing organization, the data processing unit 201 receives the customer number, password, key code, and type of remittance electronic money transmitted from the mobile phone 10 (S218).

Then, the data processing unit 201 searches the customer information 20 based on the received customer number, and extracts the key code and password corresponding to the received customer number (S219).

Subsequently, the data processing unit 201 compares the received key code and password with the extracted key code and password, respectively, and authenticates the user (S220). If at least one of the key code and the password does not match, the data processing unit 201 transmits an authentication abnormality notification to the mobile phone 10 (S221).
The transmission / reception unit 105 of the mobile phone 10 receives this (S1
24) and accordingly, the display device 109 displays the authentication abnormality (S125). On the other hand, when both the key code and the password match in step S220, the data processing unit 201 searches the user account information 23 based on the customer number received in step S218 (S222) and corresponds to the received customer number. The balance of the electronic money is confirmed, and it is determined whether the selected electronic money can be used (S22).
3). If the data processing unit 201 cannot be used, the data processing unit 201 transmits an error notification of the selected electronic money to the mobile phone 10 (S).
224). The transmitting / receiving unit 105 of the mobile phone 10 receives this (S126), and in response to this, the display device 109 displays an error of the selected electronic money (S127). On the other hand, when the data processing unit 201 is available, the data processing unit 201 transmits a request for specific remittance contents (remittance destination, remittance amount, etc.) to the mobile phone 10 (S225).

The transmitting / receiving unit 105 of the mobile phone 10 receives the request for the remittance content transmitted from the server 200 of the issuing organization (S128), and the display device 109 displays the request in accordance with this request.
The remittance content input screen as shown in (c) is displayed.

When the user inputs the remittance destination member store number and the remittance amount notified in step S501, the input device 106 inputs the remittance destination member store number and the remittance amount according to the operation of the user ( S129). Then, the transmitting / receiving unit 10
5 is the server 200 of the issuing agency for the input remittance contents.
(S130).

In the server 200 of the issuing organization, the data processing unit 201 receives the remittance contents transmitted from the mobile phone 10 (S226), and retrieves the member store information 31 based on the received member store number (S227). .

According to this search result, the data processing unit 20
1 determines whether or not the received member store number is registered (S228), and if it is not registered, it sends an error notification of remittance designation to the mobile phone 10 (S229). The transmitting / receiving unit 105 of the mobile phone 10 receives this (S131),
In response to this, the display device 109 displays a remittance destination designation error (S132). On the other hand, in the case of being registered, the data processing unit 201 determines whether the selected electronic money can be used at the member store according to the search result of step S227 (S230). In the case of unavailable electronic money,
The data processing unit 201 transmits an error notification of the selected electronic money to the mobile phone 10 (S231). Mobile phone 10
The transmission / reception unit 105 receives the error (S133), and in response to this, the display device 109 displays the error of the selected electronic money (S134). On the other hand, in the case of available electronic money, the data processing unit 201 transmits a confirmation request of the remittance content to the mobile phone 10 (S232).

The transmission / reception unit 105 of the mobile phone 10 receives the confirmation request of the remittance content transmitted from the server 200 of the issuing organization, and in response thereto, the display device 109 confirms the remittance content as shown in FIG. 12 (d). Display the screen (S13
6).

The user sees this confirmation screen and confirms whether or not there is an error in the remittance contents, and if there is no error, selects "remittance" on the confirmation screen. The input device 106 inputs this “money transfer”, and in response to this, the data processing unit 101 determines whether or not the money transfer content has been confirmed (S137). When “remittance” is selected and the remittance content is confirmed, the transmission / reception unit 105 transmits the fact that the remittance content is confirmed to the server 200 of the issuing organization (S138).

In the server 200 of the issuing organization, the data processing unit 201 receives the confirmation that the remittance contents have been confirmed (S233). Steps S120 to S138 described above,
S218 to S233 are performed within one session.

Next, the data processing unit 201 searches the electronic money basic information 21 based on the selected type of electronic money (S234).

Then, the data processing unit 201 uses the following equation (2).
And income and cashback are calculated according to (3) (S235).

Revenue = Remittance Amount x Income Rate (2) Cashback = Remittance Amount x Cashback Rate (3) Subsequently, the data processing unit 201 causes the electronic money remittance statement 25.
And the remittance date, electronic money type, customer number, remittance destination member store number, remittance amount, income, and cash back are recorded (S236).

Subsequently, the data processing unit 201 updates the user settlement history 26, and the customer number, the type of electronic money, the settlement date, the remittance destination member store number, and the settlement amount (remittance amount).
Is recorded (S237).

Subsequently, the data processing unit 201 updates the user account information 23 and records a new electronic money balance (S238). In this example, user A uses electronic money “M
Since "3,000 yen" is remitted using "-01", the remittance amount of "3,000 yen" from the previous balance "10,010 yen".
"7,010 yen" minus "0 yen" is customer number "0000"
It is recorded as a new balance of the electronic money “M-01” of “1”. The count is maintained at "1".

Then, the data processing unit 201 updates the member store deposit history 27, and sends the sender number (customer number of the user),
The type of electronic money, the remittance date, and the payment amount are recorded (S239). In this example, the member store number “11111”
The member store deposit history 27 of is updated.

Subsequently, the data processing unit 201 sends a remittance completion notice to the user's mobile phone 10 by electronic mail (S240). The mobile phone 10 receives this (S13
9), the display device 109 displays a remittance completion screen as shown in FIG. 12 (e) (S140). Here, the name of the remitter, the name of the remitter, the remittance electronic money, the remittance amount, and the balance after the remittance are displayed.

Then, the data processing unit 201 sends a notice of deposit via the Internet 50 to the server 600 of the virtual store.
(S241). The server 600 of the virtual store receives this (S602).

Finally, the data processing unit 201 executes payment processing for the member store according to the member store payment history 27 (S242). Specifically, at the end of the month, the settlement amount is accumulated for each member store, and the amount obtained by subtracting the commission from the accumulated settlement amount is transferred from the bank account of the issuing agency to the bank account of the member store. That is, in this example, the issuing institution makes 4% of the payment amount.
Is collected as a fee.

1.2.3. Cashback FIG. 13 is a block diagram showing a system configuration required for the accumulation and cashback processing shown in FIGS. 3 and 4. With reference to FIG. 13, the present system is applied to the mobile phone 1.
0, a server 200 of an issuing organization, and a server 300 of a mobile phone company.

Next, the cumulative total and cashback processing by the system shown in FIG. 13 will be described with reference to the flowchart shown in FIG.

First, the server 200 of the issuing agency suspends the provision of this service, specifically, the acceptance of purchase of electronic money and the acceptance of remittance (S243). It is desirable to stop such a service at midnight when it is less used. Alternatively, the totaling process described below may be performed without stopping the service at all.

Next, the data processing unit 201 totals the electronic money remittance details 25 (S244) and updates the electronic money fluctuation information 28 (S245). In the example shown in FIG.
The user C having the customer number "00009" remits "5005 yen" by electronic money "M-01" on June 6.
Therefore, after the end of the service on June 6, the estimated cash back amount calculated with this remittance of "50
Including the yen, the cumulative amount of cash back calculated along with the remittance during June 6 will be accumulated and added to the total cash back for this week. In this example, electronic money “M-01”
This week's cashback total is "200,00
It is "0 yen".

Subsequently, the data processing unit 201 determines whether or not to perform cash back (S246). For example, cash back is performed after the service ends every Friday.

When cashback is performed, the data processing unit 201 refers to the electronic money remittance statement 25 or the user settlement history 26, accumulates the remittance amount (settlement amount) for this user for each electronic money, and cashes back. It is recorded in the totalization file 29 (S247). In the example shown in FIG. 4, since the user A with the customer number “00001” has sent a total of “3,000 yen” with the electronic money “M-01” this week, the cumulative settlement of the cashback aggregation file 29 is It will be "3,000 yen". Since the user B having the customer number “00002” has not remitted anything with the electronic money “M-01” this week, the cumulative settlement of the cashback tabulation file 29 is “0 yen”. User C with the customer number "00009" receives a total of "5005" with electronic money "M-01" this week.
Since "yen" has been remitted, the cumulative settlement of the cashback aggregation file 29 is "5,005 yen".

Then, the data processing unit 201 uses the following equation (4).
The payment count is calculated in accordance with the above, and is recorded in the cashback total file 29 (S248).

Settlement Count = Total Settlement Amount / Count Unit Price (4) The count unit price is the unit price of the total settled amount of money required to generate one count, and is read from the electronic money basic information 21. In this example, since the count unit price of the electronic money “M-01” is “2,000 yen”, the settlement count of the electronic money “M-01” of the customer number “00001” is “1” (3000 ÷ 2000). Quotient). The settlement count of the electronic money "M-01" of the customer number "00009" is "2" (5005/2000 quotient).

Subsequently, the data processing unit 201 totals the counts of the user account information 23 and records it in the cashback totaling file 29 (S249). In this example, for electronic money “M-01”, customer number “00001”,
Since the counts of "00002" and "00009" are all "1", the cashback tabulation file 29
The corresponding balance counts of are all "1".

Then, the data processing unit 201 calculates the counter by adding the settlement count and the balance count for each customer number and each electronic money type. In this example, the electronic money "M-01" of the customer number "00001" has a count of "2", and the electronic money "M-01" of the customer number "00002" has a count of "1". The count meter for the electronic money “M-01” of “00009” is “3”.

Then, the data processing unit 201 uses the following equation (5).
The cash back unit price (dividend amount) is calculated according to the above, and is recorded in the electronic money fluctuation information 28 as the dividend amount of this week (S250).

Cash back unit price = total cash back / counting total (5) Subsequently, the data processing unit 201 calculates the cash back amount for each customer number and each electronic money type according to the following equation (6), and the user cash is calculated. The back history 30 is updated (S251).

Cash back amount = dividend amount × counter (6) In the example shown in FIG. 4, the cash back amount for the electronic money “M-01” of the customer number “00001” is “4.
2 yen "(= 21 yen x 2) and customer number" 0000 "
The cash back amount for the electronic money "M-01" of "2" is "21 yen" (= 21 yen x 1), and the cash back amount for the electronic money "M-01" of the customer number "00009" is "63 yen". (= 21 yen x 3).

Subsequently, the data processing unit 201 updates the user account information 23 and adds the cashback amount to the electronic money balance (S252). In the example shown in FIG. 4, the balance of the electronic money "M-01" of the customer number "00001" is increased by "42 yen" from "7,010 yen" to "7,052."
It becomes a "yen". Electronic money “M” with customer number “00002”
The balance of "-01" is increased by "21 yen" from "5005 yen" to "5,026 yen". The balance of the electronic money "M-01" of the customer number "00009" is from "0 yen" to "63".
The yen will increase to 63 yen.

Finally, the data processing unit 201 sends a cashback notice to the mobile phone 10 by electronic mail (S253).

In the mobile phone 10, the transmitting / receiving unit 10
5 receives the cashback notification transmitted from the server 200 of the issuing organization (S139), and in response thereto, the display device 109 displays a cashback notification screen as shown in FIG. 15 (S140).

6, FIG. 7, FIG. 10, FIG. 11 and FIG.
In the flowchart shown in FIG.
40 is a computer program to be executed by the mobile phone 10. Steps S200 to S253 are the server 3
00 is a computer program to be executed. These programs can be distributed while being stored in a storage medium such as a CD-ROM, or can be distributed as they are or in a compressed state through the Internet or the like.

As described above, according to the first embodiment,
Since the value of electronic money increases, the use of electronic money can be promoted. Moreover, since the value of electronic money increases according to the amount of payment, payment by electronic money can be promoted.

In the above-described first embodiment, each remittance amount is multiplied by the cashback rate to obtain the cashback in remittance units, and then the total amount of the cashback is calculated. After calculating the total amount of
The total amount may be obtained by multiplying the total amount by the cashback rate.

[Second Embodiment] In the first embodiment described above, the value of electronic money is increased according to the settlement amount, but in the second embodiment described later, the value is changed according to the advance payment amount. Increase the value of electronic money. Only the parts different from the first embodiment will be described below, and the description of the same parts will not be repeated.

2.1. Basic scheme of service 2.1.1. New Purchase of Electronic Money FIG. 16 is a diagram showing a new purchase scheme of electronic money in the electronic settlement service according to the second embodiment of the present invention. In this form, electronic money information 32 is used in place of the electronic money basic information 21 in the first embodiment. The electronic money information 32 records the type of electronic money, the amount of advance payment, the fluctuating date, and the rate. The rate increases by "0.001" each time the unpaid amount increases by "1,000,000 yen". For example, when the unpaid amount exceeds "2,000,000 yen", the rate becomes "1.003". Instead, the rate should increase rapidly as the unpaid amount increases while the unpaid amount is low, and gradually increase as the unpaid amount increases. Good. As the fluctuating date, the date when the rate fluctuates is recorded. Further, in this form, the electronic money issuance status 33 is used. In the electronic money issuance status 33, the type of electronic money, the sale period, the advance payment amount, the application date, and the application rate are recorded. Further, the issued price, the current price, and the deduction issue amount are recorded in the electronic money issue statement 22 in this form.

In the example shown in FIG. 16, the customer number "000"
When the user A of "01" purchases the electronic money "M-01" for "10,000 yen" newly on June 1, the first day of sale, the issuing agency applies "1.001", 10,01
Electronic money "M-01" for "0 yen" is issued.

2.1.2. Electronic Money Remittance FIG. 17 is a diagram showing an electronic money remittance scheme in this service. This remittance processing is the same as in the first embodiment.

2.1.3. Additional Purchase of Electronic Money FIG. 18 is a diagram showing an additional purchase scheme of electronic money in this service. Here, the customer number "0000
User B of “2” is electronic money “M” for “5,000 yen”
-01 ”is purchased on June 10 as an example.
Since the amount of advance payment that has been obtained up to the present by issuing the electronic money "M-01" is "996,000 yen", the issuing agency applies the rate of "1.001" and the amount of "5,005 yen". Issue electronic money "M-01".

2.1.4. Rate fluctuation FIG. 19 is a diagram showing a rate fluctuation scheme in this service. Here, first, the electronic money issuance status 33 and the electronic money information 32 are updated. Specifically, the amount of money received up to the previous day is accumulated for each electronic money, and the rate corresponding to the accumulated amount of money received is applied with reference to the electronic money information 32. In this example, the advance payment amount until June 10 exceeds “1,000,000 yen” and becomes “1,001,0
Since it has reached "00 yen", the rate of "1.002" is applied, and the advance payment amount "1,0" in the electronic money information 32 is applied.
The variable date "June 11" is recorded at "00,000 yen", and the application date "June 11" and the application rate "1" of the rate of the electronic money "M-01" in the electronic money issuing situation 33 are recorded. .002 ".

Next, the electronic money issuance statement 22 is updated. Specifically, current price (issue price after rate change)
Also, the deducted issue amount, which is the difference between the current price and the issued price (issue price before rate change), is calculated and rewritten. In this example, the current price of the customer number “00001” of the electronic money “M-01” is “10,020 yen (= 1
50,000 yen × 1.002) ”and the deduction issue amount is“ 10 yen (= 10,020 yen-10,010 yen) ”. In addition, the customer number “000” of the electronic money “M-01”
The current price of "02" is "5,010 yen (= 5,000 yen x
1.002) ", and the deduction issue amount is" 5 yen (= 5,
010 yen-5,005 yen) ".

Next, the user account information 23 is updated.
Specifically, the deduction issue amount in the electronic money issuance statement 22 is added to the electronic money balance. In this example, since the deduction issue amount of the customer number “00001” of the electronic money “M-01” is “10 yen”, the balance of the electronic money “M-01” of the customer number “00001” is “7, It increases from "010 yen" to "7,020 yen". In addition, electronic money “M-
The deduction amount for customer number "00002" for "01" is "5"
Therefore, the balance of the electronic money "M-01" of the customer number "00002" is "5,005 yen" to "5,01".
Increase to 0 yen.

Next, the electronic money issuance statement 22 is updated. Specifically, the issued price and the deduction issue amount are rewritten. In this example, the issued price of the customer number “00001” of the electronic money “M-01” is “10,020 yen”, and the deduction issue amount is cleared to “0 yen”. Further, the current price of the customer number "00002" of the electronic money "M-01" is "5,010 yen", and the deduction amount is "0".
It is cleared to "yen".

Finally, the issuing agency notifies the user of the new balance, and informs that the value of the electronic money has increased due to the rate fluctuation.

2.2. System configuration and operation 2.2.1. Purchase of Electronic Money FIG. 20 is a block diagram showing a system configuration required for the electronic money purchase process shown in FIGS. 16 and 18.
Here, the electronic money information database 203 includes electronic money information 32 and electronic money issuance status 33 in addition to the electronic money issuance statement 22.

Next, the electronic money purchase processing by the system shown in FIG. 20 will be described with reference to the flowcharts of FIGS. 21 and 22. 21 and 22, the operation steps of the server 300 of the mobile phone company are omitted. The same applies to flowcharts referred to later.

In the second embodiment, unlike the first embodiment, the server 30 of the issuing agency is processed in step S201.
0 transmits the current applicable rate of each electronic money based on the electronic money issuance status 33. The mobile phone 10 that has received such electronic money information in step S101 is shown in FIG.
As shown in 3 (b), the current applied rate of each money is displayed. When the user further selects the electronic money to be purchased, the mobile phone 10 displays a screen as shown in FIG. 23 (c).

Further, in step S208, the server 300 of the issuing agency transmits the necessity of the rate change notification instead of the necessity of the cashback notification. Along with this, the mobile phone 10 selects whether or not the rate change notification is required in step S112, and transmits whether or not the rate change notification is required in step S115.

When issuing the electronic money, the server 200 of the issuing organization searches the electronic money issuance status 33 in step S213 and extracts the current applicable rate.

2.2.2. Electronic Money Remittance FIG. 24 is a block diagram showing a system configuration necessary for the electronic money remittance processing shown in FIG. Referring to FIG. 24, the present system is a mobile phone 10 of a user, a server 200 of an issuing organization, and a server 300 of a mobile phone company.
And a virtual store server 600.

Next, the remittance processing by the system shown in FIG. 24 will be described with reference to the flowcharts of FIGS. 25 and 26. This second embodiment is different from the first embodiment except that steps S234 to S236 are not provided.
This is the same as in the first embodiment.

2.2.3. Rate Fluctuation FIG. 27 is a block diagram showing the system configuration required for the rate fluctuation processing shown in FIG. Referring to FIG. 27,
This system includes a mobile phone 10 of a user, a server 200 of an issuing agency, and a server 300 of a mobile phone company.

Next, the rate change processing by the system shown in FIG. 27 will be described with reference to the flowchart of FIG.

After stopping the service in step S243, in the server 200 of the issuing organization, the data processing unit 201 totals the advance payment amount of all electronic money issued today based on the electronic money issue statement 22 (S26).
0), the advance payment amount of the electronic money issuance status 33 is updated (S261).

Next, the data processing unit 201 searches the electronic money information 32 for the applicable rate corresponding to the updated amount of advance payment (S262).

Subsequently, the data processing unit 201 determines whether or not the applied rate retrieved has changed from the applied rate of the previous day (S263). If the applied rate has changed, the change date of the electronic money information 32 is changed. Is updated (S264).

Subsequently, the data processing unit 201 updates the application date and application rate of the electronic money issuance status 33 (S265).

Subsequently, the data processing unit 201 recalculates and updates the current price according to the following equation (7) using the updated applicable rate of the electronic money issuance status 33 and the advance amount of the electronic money issuance statement 22 ( S266).

Current price = unpaid amount × applied rate (7) In the example shown in FIG. 19, the current price of the electronic money “M-01” of the customer number “00001” is “10,020 yen”, and the customer number is Electronic money "M-0" of "00002"
The current price of "1" is "5,010 yen".

Subsequently, the data processing unit 201 uses the issued price and the current price of the electronic money issuance statement 22 to calculate and update the deduction issuance amount according to the following equation (8) (S2).
67).

Deduction issue amount = current price-issued price (8) In the example shown in FIG. 19, the deduction issue amount of the electronic money “M-01” of the customer number “00001” is “10 yen”. , Electronic money “M-01” with customer number “00002”
The deduction amount will be "5 yen".

Subsequently, the data processing unit 201 updates the electronic money balance of the user account information 23 (S268). In the example shown in FIG. 19, the balance of the electronic money “M-01” of the customer number “00001” is “7,010 yen” to “10”.
"JPY" increased to "7,020 JPY" and customer number "000"
The balance of the electronic money “M-01” of “02” is “5,005”.
It increases from "yen" by "5 yen" to "5,010 yen".

Next, the data processing unit 201 updates the issued price of the electronic money issuance statement 22 (S269). In the example shown in FIG. 19, the issued price of the electronic money “M-01” of the customer number “00001” is “10,010 yen”.
The price of the electronic money "M-01" of the customer number "00002" is increased by "5" from "5,005" to "5,0".
It will be 10 yen ".

Subsequently, the data processing unit 201 clears the deduction issue amount of the electronic money issuance details (S270).

Finally, the data processing unit 201 sends a notification of rate fluctuation to the mobile phone 10 by electronic mail (S2).
71).

In the mobile phone 10, the transmitting / receiving unit 10
5 receives the notification of the rate change (S143), and in response thereto, the display device 109 displays the notification of the rate change as shown in FIG. 29 (S144).

As described above, the applicable rate may be increased stepwise according to the total amount of the advance money obtained by issuing the electronic money, thereby increasing the value of the electronic money. In this case, since the value of the electronic money increases as the number of purchasers of the electronic money increases, the use of the electronic money can be promoted.

The above-described first and second embodiments may be carried out independently, or both may be carried out together.

The embodiments disclosed this time are to be considered as illustrative in all points and not restrictive. The scope of the present invention is shown not by the above description but by the claims, and is intended to include meanings equivalent to the claims and all modifications within the scope.

[Brief description of drawings]

FIG. 1 is a diagram showing an electronic money purchasing scheme in an electronic payment service according to a first embodiment of the present invention.

FIG. 2 is a diagram showing an electronic money remittance scheme in the electronic payment service according to the first embodiment of the present invention.

FIG. 3 is a diagram showing a cashback accumulation scheme in the electronic payment service according to the first embodiment of the present invention.

FIG. 4 is a diagram showing a cashback scheme in the electronic money settlement service according to the first embodiment of the present invention.

5 is a block diagram showing a system configuration necessary for the purchase processing shown in FIG.

FIG. 6 is a flowchart showing a purchase process by the system shown in FIG.

7 is a flowchart following FIG.

8 is a diagram showing a series of screens displayed on the mobile phone in the purchase process shown in FIGS. 6 and 7. FIG.

9 is a block diagram showing a system configuration required for the remittance processing shown in FIG.

10 is a flowchart showing a remittance process by the system shown in FIG.

FIG. 11 is a flowchart following on from FIG.

12 is a diagram showing a series of screens displayed on the mobile phone in the money transfer process shown in FIGS. 10 and 11. FIG.

13 is a block diagram showing a system configuration required for the cumulative total and cashback processing shown in FIGS. 3 and 4. FIG.

FIG. 14 is a flowchart showing cumulative total and cashback processing by the system shown in FIG.

FIG. 15 is a diagram showing a cashback notification screen displayed on a mobile phone in the cashback processing shown in FIG.

FIG. 16 is a diagram showing a new purchase scheme of electronic money in the electronic payment service according to the second embodiment of the present invention.

FIG. 17 is a diagram showing a remittance scheme in the electronic payment service according to the second embodiment of the present invention.

FIG. 18 is a diagram showing a scheme for additionally purchasing electronic money in the electronic payment service according to the second embodiment of the present invention.

FIG. 19 is a diagram showing a rate fluctuation scheme in the electronic payment service according to the second embodiment of the present invention.

20 is a block diagram showing a system configuration necessary for the purchase processing shown in FIGS. 16 and 18. FIG.

FIG. 21 is a flowchart showing a purchase process by the system shown in FIG.

22 is a flowchart following FIG. 21. FIG.

FIG. 23 is a diagram showing a series of screens displayed on the mobile phone in the purchase process shown in FIGS. 21 and 22.

24 is a block diagram showing a system configuration necessary for the remittance processing shown in FIG.

25 is a flowchart showing a remittance process by the system shown in FIG.

FIG. 26 is a flowchart following FIG. 25.

FIG. 27 is a block diagram showing a system configuration required for the rate fluctuation processing shown in FIG.

FIG. 28 is a flowchart showing rate fluctuation processing by the system shown in FIG. 27.

29 is a diagram showing a rate change notification screen displayed on the mobile phone in the rate change process shown in FIG.

[Explanation of symbols]

10 mobile phone, 20 customer information, 21 electronic money basic information, 22 electronic money issuance details, 23 user account information, 24 electronic money purchase history, 25 electronic money remittance details, 26 user settlement history, 27 member store deposit history, 28 electronic money fluctuation information, 29 cashback summary file, 30 user cashback history,
31 member store information, 32 electronic money information, 33 electronic money issuance status, 50 Internet, 101, 20
1, 301, 401, 501, 601 data processing unit,
202 user information database, 203 electronic money information database, 204 member store database.

Claims (17)

[Claims] 1. A step of receiving a desired advance payment transmitted from a user's terminal, a step of executing a settlement process for the received advance payment, and a balance of the user's account opened in an account database. A step of adding the advance payment amount, a step of transmitting the balance of the user's account to the terminal of the user after adding the advance payment amount, and a predetermined value after transmitting the balance of the account. An electronic payment method, comprising: calculating a post-advance reward amount according to the method described above; and adding the calculated post-advance reward amount to the balance of the user's account in the account database. 2. The electronic payment method according to claim 1, further comprising the step of transmitting the balance of the user's account to the user's terminal after adding the post-receipt reward amount. Payment Method. 3. The step of adding the unearned amount further includes a step of calculating an unearned reward amount according to the unearned amount and adding the amount to the balance of the user's account.
Electronic payment method described in. 4. The terminal of the user includes a mobile phone, and the electronic payment method further includes a step of receiving identification information transmitted from the mobile phone, and a step of receiving the identification information of the user based on the received identification information. The electronic payment method according to claim 1, further comprising a step of executing an authentication process. 5. The electronic payment method according to claim 4, wherein the identification information includes a user identifier, a password corresponding to the user identifier, and telephone unique information unique to the mobile telephone. 6. A step of receiving a desired advance payment amount transmitted from a user's terminal, a step of executing a settlement process for the received advance payment amount, and a balance of the user's account established in an account database. In addition, the step of adding the advance payment amount, the step of receiving the desired remittance amount transmitted from the terminal of the user, and the subtraction of the received remittance amount from the balance of the user's account in the account database. A step of calculating a reward amount according to the remittance amount, and a step of adding the calculated reward amount to a balance of the user's account in the account database,
Electronic payment method. 7. The step of calculating the reward amount includes a step of multiplying the remittance amount by a predetermined rate to obtain an expected reward amount, and a total amount of the expected reward amount obtained within a predetermined period. The electronic payment method according to claim 6, further comprising: a step of calculating and a step of distributing the calculated total amount of the expected reward amount to obtain the reward amount. 8. The step of calculating the reward amount further comprises the step of accumulating the remittance amount for each user within the predetermined period, and the number of units according to the accumulated remittance amount of the user. 8. The electronic payment method according to claim 7, further comprising: calculating each of the planned reward amounts, wherein the step of distributing the total amount of the planned reward amounts distributes the total amount of the planned reward amount according to the calculated number of units. 9. A step of receiving desired down payment amounts transmitted from terminals of a plurality of users, a step of performing a settlement process for the received down payment amounts, and an account of the user opened in an account database. To the balance, the step of adding the advance payment amount, the step of receiving the desired remittance amount transmitted from the terminals of the plurality of users, the received remittance amount of the user's account in the account database A step of subtracting from the balance, a step of calculating a reward amount given to each of the users according to a total amount of the remittance amount for the plurality of users, and a step of calculating the calculated reward amount by the user in the account database. Adding to the account balance of
Electronic payment method. 10. A step of receiving a desired advance payment amount transmitted from a user's terminal, a step of executing a settlement process for the received advance payment amount, and a balance of the user's account established in an account database. In the account database, the step of adding the prepaid amount, the step of calculating the total amount of the prepaid amount, the step of calculating a reward amount according to the calculated total amount of the prepaid amount, and the calculated reward amount in the account database. Adding to the balance of the user's account.
Electronic payment method. 11. A step of receiving desired advance payments transmitted from terminals of a plurality of users, a step of performing settlement processing for the received advance payments, and an account of the user established in an account database. To the balance of, the step of adding the advance payment amount, the step of calculating the total amount of the advance payment amount for the plurality of users, the reward amount given to each of the users according to the calculated total amount of the advance payment amount. Calculating, and adding the calculated reward amount to the balance of the user's account in the account database,
Electronic payment method. 12. An electronic payment program for causing a computer to execute the steps according to any one of claims 1 to 11. 13. A computer-readable storage medium storing the electronic payment program according to claim 12. 14. A means for receiving a desired advance payment amount transmitted from a user's terminal, a means for executing a settlement process for the received advance payment amount, and a database having an account opened for each user. A unit for adding the advance payment to the balance of the user's account in the account database; and a unit for transmitting the balance of the user's account to the user's terminal after adding the advance payment. Electronic payment, including means for calculating a reward amount according to a predetermined method after transmitting the balance of the account, and means for adding the calculated reward amount to the balance of the user's account in the account database. Server device. 15. A means for receiving a desired advance payment transmitted from a user's terminal, a means for executing a settlement process for the received advance payment, and a database having an account opened for each user. , Means for adding the advance payment amount to the balance of the user's account in the account database, means for receiving a desired remittance amount transmitted from the user's terminal, and the received remittance amount for the account Means for subtracting from the balance of the user's account in the database, means for calculating the reward amount according to the remittance amount, and means for adding the calculated reward amount to the balance of the user's account in the account database An electronic payment server device including: 16. A means for receiving a desired advance payment amount transmitted from a user's terminal, a means for executing a settlement process for the received advance payment amount, and a database having an account opened for each user. , Means for adding the amount of advance payment to the balance of the user's account in the account database, means for calculating the total amount of advance payment, and means for calculating the reward amount according to the total amount of advance payment calculated And a means for adding the calculated reward amount to the balance of the user's account in the account database. 17. An electronic payment system comprising a user's terminal and an electronic payment server device connected to the user's terminal through a network, wherein the user's terminal is operated by the user. Accordingly, means for inputting a desired prepaid amount, means for transmitting the input prepaid amount to the electronic payment server device, and means for receiving the balance of the user's account transmitted from the electronic payment server device And a means for displaying the received balance of the account, the electronic settlement server device receives a prepaid amount transmitted from the user's terminal as a prepaid amount, and a settlement for the received prepaid amount. Means for executing a process, a database having an account opened for each user, a balance of the user's account in the account database, Means for adding the amount of money, means for transmitting the balance of the user's account to the terminal of the user after adding the unpaid amount, and rewarding according to a predetermined method after transmitting the balance of the account An electronic payment system comprising: means for calculating the amount of money; and means for adding the calculated reward amount to the balance of the user's account in the account database.