JP6987688B2 - Processing device that acts as a payment agent between the purchaser and the seller - Google Patents

Description

The technology disclosed in this application relates to a processing device for payment between a purchaser and a seller, a method of using the processing device, and the like.

In recent years, with the expansion of the electronic commerce (EC) market, a plurality of payment services have become available in EC shops, auction services, and the like. Japanese Unexamined Patent Publication No. 2009-9374 (Patent Document 1) discloses that a credit card or the like is used to settle the usage fee in electronic commerce. Payment services using credit cards, debit cards, electronic money, etc. can be said to be highly convenient services for purchasers because payments are completed immediately.

Japanese Unexamined Patent Publication No. 2009-9374

However, if a purchaser who does not have a credit card or the like selects a payment method such as bank transfer or cash on delivery, he / she will bear almost the entire fee for the payment. In addition, in order to make a bank transfer, the purchaser must use a bank counter, an automated teller machine, or use Internet banking. In either case, compared to the case of using payment by credit card, it takes time and effort, and the convenience is reduced.

On the contrary, from the seller's point of view, payment by credit card can be said to be a highly convenient service for the purchaser, but for the seller, a large fee for payment will be borne, and bank transfer will be incurred. Compared to such things, the profitability of the product itself will be pushed down. Since it is difficult to make a profit on a low-priced product by itself, some sellers do not offer payment by credit card.

In addition, although the seller does not have to bear the fee for bank transfer, the purchaser dislikes the cost and trouble of bank transfer and loses the desire to purchase, the purchaser forgets to transfer, the transfer amount is incorrect, etc. There is concern about the impact of losing product sales opportunities.

As described above, it cannot be said that the payment method based on the conventional technology provides a highly convenient service to both the purchaser and the seller.

Therefore, various embodiments of the present invention provide a processing device for executing payment with improved convenience.

The processing device according to one aspect of the present invention is a processing device operated by a settlement agency company that acts on behalf of a substantially periodic settlement of payments between a purchaser and a seller, and is operated by the seller. The purchase means opened in the receiving means for receiving the request signal requesting the payment on behalf of the server device to be performed via the communication line at the first frequency, and the financial institution specified by the request signal. A server device operated by the financial institution via a communication line for a first instruction signal instructing the payment to be sent from the person's account to the account of the settlement agency company opened in the financial institution. The price is from the account of the settlement agent company opened in the selected financial institution to the seller's account opened in the financial institution set by the seller. It is provided with a second instruction means for transmitting a second instruction signal instructing the transfer of money to a server device operated by the selected financial institution via a communication line.

The server device according to one aspect of the present invention is connected to a processing device operated by a payment agency that acts as a payment agent for substantially periodic payments between the purchaser and the seller via a communication line. A server device operated by a financial institution, which receives a first instruction signal indicating that a remittance is instructed from the processing device via a communication line at a second frequency, and a receiving means according to the first instruction signal. It is provided with a remittance means for remittance of the price from the purchaser's account to the account of the settlement agency company.

The server device according to another aspect of the present invention is connected to a processing device operated by a payment agency that acts as a payment agent for payments between a purchaser and a seller on a substantially regular basis via a communication line. A receiving means operated by a financial institution that receives a second instruction signal indicating that a remittance is instructed from the processing device via a communication line at a third frequency, and the second instruction signal. According to the above, the remittance means for remittance of the price from the account of the settlement agency company to the account of the seller opened by the financial institution or a financial institution different from the financial institution is provided. ..

The usage method according to one aspect of the present invention is a method of using a processing device operated by a settlement agency company that acts on behalf of a substantially periodic settlement of payments between a purchaser and a seller, and the sale thereof. A request signal requesting that the payment be made on behalf of the person is received from the server device operated by the person at the first frequency via the communication line, and the request signal is set up at the financial institution specified by the request signal. A first instruction signal instructing the payment to be sent from the purchaser's account to the account of the settlement agency company opened in the financial institution is operated by the financial institution via a communication line. After the first instruction stage to be transmitted to the server device and the first instruction stage, the account of the settlement agency company opened in the selected financial institution is opened in the financial institution set by the seller. A second instruction step of transmitting a second instruction signal instructing the payment to the seller's account to be operated by the selected financial institution via a communication line, and a second instruction step. Is included.

A method of use according to another aspect of the present invention is connected via a communication line to a processing device operated by a payment agent company that acts for payment of payments between a purchaser and a seller on a substantially regular basis. A method of using a server device operated by a financial institution, the reception stage of receiving a first instruction signal indicating that a remittance is instructed from the processing device via a communication line at a second frequency, and the first. 1 It includes a remittance stage in which the price is remitted from the purchaser's account to the settlement agent's account according to the instruction signal.

A method of use according to still another aspect of the present invention is to connect to a processing device operated by a settlement agency that acts on behalf of a substantially periodic settlement between a purchaser and a seller via a communication line. A method of using a server device operated by a financial institution, wherein a second instruction signal indicating that a remittance is instructed from the processing device via a communication line is received at a third frequency, and the above. Including a remittance stage in which the price is transferred from the account of the settlement agent company to the account of the seller opened by the financial institution or a financial institution different from the financial institution according to the second instruction signal. It's a waste.

The computer program according to one aspect of the present invention is a means included in a processing device operated by a payment agency that acts on behalf of a payment agency for payment of payments between a purchaser and a seller on a substantially regular basis. Then, the receiving means for receiving the request signal requesting the payment on behalf of the server device operated by the seller via the communication line at the first frequency, the financial institution specified by the request signal. The first instruction signal instructing to transfer the price from the opened account of the purchaser to the account of the settlement agent company opened in the financial institution is sent to the financial institution via a communication line. The first instruction means to be transmitted to the server device operated by the seller, and the seller opened at the financial institution set by the seller from the account of the settlement agency company opened at the selected financial institution. It functions as a second instruction means for transmitting a second instruction signal instructing the payment to the account of the above to a server device operated by the selected financial institution via a communication line. be.

According to various embodiments of the present invention, it is possible to provide a processing device for executing payment with improved convenience.

FIG. 1 is a block diagram showing an example of a configuration of an information processing system according to an embodiment of the present invention. FIG. 2 is a block diagram showing an example of the configuration of the server device 40 used in the information processing system 1 shown in FIG. FIG. 3 is a block diagram showing an example of the configuration of the server device 50 used in the information processing system 1 shown in FIG. FIG. 4 is a block diagram showing an example of the functions of the server device 40 used in the information processing system 1 shown in FIG. FIG. 5 is a block diagram showing an example of the functions of the server device 50 used in the information processing system 1 shown in FIG. FIG. 6 shows an operation performed by the server device 40 operated by the payment agent company in the information processing system 1 shown in FIG. 1 to acquire an access token related to the use of the API from the server device 50 operated by the financial institution. It is a flow chart which shows an example. FIG. 7 is a flow chart showing an example of the operation of the information processing system 1 shown in FIG. FIG. 8A is a schematic diagram showing a first state of a screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. 1. FIG. 8B is a schematic diagram showing a second state of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. 1. FIG. 8 is a schematic diagram showing a third state of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. 1. FIG. 8 is a schematic diagram showing a fourth state of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. 1. FIG. 8 is a schematic diagram showing a fifth state of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. 1. FIG. 8 is a schematic diagram showing a sixth state of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. 1. FIG. 8 is a schematic diagram showing a seventh state of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. 1. FIG. 8 is a schematic diagram showing an eighth state of a screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. 1. FIG. 8 is a schematic diagram showing a ninth state of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. 1. FIG. 8 is a schematic diagram showing a tenth state of a screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. 1. FIG. 8 is a schematic diagram showing an eleventh state of a screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. 1. FIG. 8 is a schematic diagram showing a twelfth state of a screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. FIG. 9 is a diagram showing an example of details of transaction information that can be viewed by the seller's terminal device 30 in the information processing system 1 shown in FIG. FIG. 10A is a schematic diagram illustrating the operation of the payment payment unit 115 in the server device 40 used in the information processing system 1 shown in FIG. 1. FIG. 10B is a schematic diagram illustrating the operation of the payment payment unit 115 in the server device 40 used in the information processing system 1 shown in FIG. 1. FIG. 10C is a schematic diagram illustrating the operation of the payment payment unit 115 in the server device 40 used in the information processing system 1 shown in FIG. 1. 11A is a schematic diagram illustrating the operation of the payment payment unit 115 in the server device 40 used in the information processing system 1 shown in FIG. 1. FIG. 11B is a schematic diagram illustrating the operation of the payment payment unit 115 in the server device 40 used in the information processing system 1 shown in FIG. FIG. 12 is a flow chart showing another example of the operation of the information processing system 1 shown in FIG. FIG. 13A is a schematic diagram showing a first state regarding another example of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. 1. FIG. 13B is a schematic diagram showing a second state regarding another example of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. 1. FIG. 13C is a schematic diagram showing a third state regarding another example of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. 1. FIG. 13D is a schematic diagram showing a fourth state regarding another example of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. 1. FIG. 13E is a schematic diagram showing a fifth state regarding another example of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. 1. FIG. 13F is a schematic diagram showing a sixth state regarding another example of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. 1. FIG. 13G is a schematic diagram showing a seventh state regarding another example of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. 1. FIG. 13H is a schematic diagram showing an eighth state regarding another example of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. 1. FIG. 13I is a schematic diagram showing a ninth state regarding another example of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. 1. FIG. 13J is a schematic diagram showing a tenth state regarding another example of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. 1. FIG. 13K is a schematic diagram showing an eleventh state regarding another example of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. 1.

Hereinafter, various embodiments of the present invention will be described in detail with reference to the accompanying drawings. It should be noted that the same reference numerals are given to the common components in the drawings. Furthermore, the various embodiments described below are also feasible by replacing the term "transfer" with the term "transfer" and also replacing the term "transfer" with the term "transfer". Is also feasible.

1. 1. Overview of Information Processing System FIG. 1 is a block diagram showing an example of a configuration of an information processing system according to an embodiment of the present invention. As shown in FIG. 1, the information processing system 1 according to the embodiment is connected to a communication network 10 including the Internet and the like, and a plurality of terminal devices 20-1, 20-2, ... 20-N (hereinafter, may be collectively referred to as "terminal device 20") and a plurality of server devices 30-1, 30-2, ... , 30-N (hereinafter sometimes collectively referred to as "server device 30") and one or more server devices (processing devices) 40 connected to the communication network 10 and operated by the settlement agency company. Mainly the server devices 50-1, 50-2, ..., 50-N (hereinafter, may be collectively referred to as "server device 50") connected to the network 10 and operated by each financial institution. include.
The terminal device 20, the server device 30, the server device 40, and the server device 50 can communicate with each other via the communication network 10.

The communication network 10 means a connected structure that enables information exchange between each node (terminal device 20, server device 30, server device 40, and server device 50), and means an Internet, a mobile communication network, and a mobile communication network. It may include at least one of fixed communication networks and the like.

The terminal device 20 used by each purchaser is an arbitrary information processing device capable of displaying information acquired from each of the server device 30, the server device 40, and the server device 50 with a predetermined application or a web browser. For example, a smartphone, a tablet terminal, a desktop computer, a notebook computer, a mobile information terminal, a mobile phone, and the like are included without limitation.

The server device 30 operated by each seller provides a service via an EC shop site, an auction site, or the like operated or affiliated with the seller by a predetermined application or a web browser installed on each terminal device 20. It is provided to each terminal device 20 via the communication network 10. The server device 30 operated by each seller provides a general service for settling the price with the terminal device 20 of the purchaser via the communication network 10. In one embodiment, the server device 30 functions as an application server and provides a service to the terminal device 20 that executes the installed predetermined application via various sites including an EC shop site and / or an auction site. Can be provided. In another embodiment, it functions as a web server that manages a website composed of a plurality of web pages having a hierarchical structure, and as such a website, various sites including an EC shop site and / or an auction site are terminal devices. 20 can be provided.

The server device 40 operated by the payment agency company indicates that the payment between the purchaser and the seller will be settled by the server device 30 operated by the seller via the communication network 10. By receiving the requested request signal, an instruction signal instructing that the price is to be sent is transmitted to the server device 50 operated by the financial institution.

The server device 50 operated by each financial institution is referred to as a server device 50A-1, 50A-2, ..., 50A-N (hereinafter, may be collectively referred to as "server device 50A") that performs the first remittance. , 50B-1, 50B-2, ..., 50B-N (hereinafter, may be collectively referred to as "server device 50B") for performing the second remittance.

Regarding the settlement of the price between the purchaser and the seller, the server device 50A operated by a certain financial institution is transferred from the server device 40 operated by the settlement agency to the financial institution via the communication network 10. The first instruction signal instructing that the payment is to be sent from the opened purchaser's account to the account of the settlement agent company opened in this financial institution is received. According to this first instruction signal, the server device 50A remits the price from the purchaser's account opened in the financial institution to the account of the settlement agency company opened in the financial institution (first remittance). To execute).

Regarding the settlement of the price between the purchaser and the seller, the server device 50B operated by a certain financial institution is transferred from the server device 40 operated by the settlement agency to the financial institution via the communication network 10. Receives a second instruction signal from the account of the settlement agency that has been opened to the account of the seller opened by this financial institution or another financial institution. According to this second instruction signal, the server device 50B pays the price from the account of the settlement agent company opened in the financial institution to the account of the seller opened by this financial institution or another financial institution. Send money (perform a second remittance).

The server device 50 operated by each financial institution can be one or both of the server device 50A for performing the first remittance and the server device 50B for performing the second remittance.

2. 2. Configuration of Each Device Constituting the Information Processing System 1 Next, an example of each configuration of the server device 40 and the server device 50 constituting the information processing system 1 described above will be described.

2-1. Configuration of Server Device (Processing Device) 40 Operated by Payment Agent Company As shown in FIG. 2, the server device 40 includes a CPU (Central Processing Unit) 41, a main memory 42, and a user interface (I / F) 43. , A communication interface (I / F) 44, an external memory 45, and a disk drive 46, each of which is electrically connected to each other via a bus 47.

The CPU 41 loads an operating system, a program for realizing various functions, and the like from the external memory 45 into the main memory 42, and executes an instruction included in the loaded program. The main memory 42 is used to store a program executed by the CPU 41, and is configured by, for example, a DRAM. It is also possible to use an MPU (Micro Processing Unit) instead of the CPU 41 or together with the CPU 41.

The CPU 41 executes various processes and operations based on information received from at least one of the terminal device 20, the server device 30, and the server device 50.

The user I / F 43 includes, for example, an information input device such as a keyboard and a mouse that accepts the input of the operator, and an information output device such as a liquid crystal display that outputs the calculation result of the CPU 41. The communication I / F 44 may be implemented as hardware, firmware, communication software such as a TCP / IP driver or a PPP driver, or a combination thereof. The server device 40 is communicably connected to the terminal device 20, the server device 30, and the server device 50 by using the communication I / F 44.

The external memory 45 is composed of, for example, a magnetic disk drive, and stores various programs such as programs for realizing various functions. Further, various data used in these programs can also be stored in the external memory 45.

The disc drive 46 reads data stored in various storage media such as a CD-ROM, a DVD-ROM, and a DVD-R, or writes data to these storage media.

The server device 40 having such a configuration communicates with the terminal device 20, the server device 30, and the server device 50 by executing an instruction included in the program loaded in the main memory 42 to control each element, and the server. Control the device 50. As a result, the server device 40 can settle the price between the purchaser and the seller on behalf of the purchaser.

2-2. Configuration of the server device 50 operated by a financial institution FIG. 3 is a block diagram showing an example of the configuration of the server device 50 used in the information processing system 1 shown in FIG.
As shown in FIG. 3, the server device 50 includes a CPU 51, a main memory 52, a user interface (I / F) 53, a communication interface (I / F) 54, an external memory 55, a disk drive 56, and the like. Each of these components is electrically connected to each other via a bus 57.

The CPU 51 loads an operating system, a program for realizing various functions, and the like from the external memory 55 into the main memory 52, and executes an instruction included in the loaded program. The main memory 52 is used to store a program executed by the CPU 51, and is configured by, for example, a DRAM. It is also possible to use the MPU in place of or with the CPU 51.

The CPU 51 executes various processes and operations based on information received from at least one of the terminal device 20, the server device 30, and the server device 40.

The user I / F 53 includes, for example, an information input device such as a keyboard and a mouse that accepts an operator's input, and an information output device such as a liquid crystal display that outputs a calculation result of the CPU 51. The communication I / F 54 may be implemented as hardware, firmware, communication software such as a TCP / IP driver or PPP driver, or a combination thereof. The server device 50 is communicably connected to the terminal device 20, the server device 30, and the server device 40 by using the communication I / F 54.

The external memory 55 is composed of, for example, a magnetic disk drive, and stores various programs such as programs for realizing various functions. Further, various data used in these programs can also be stored in the external memory 55.

The disc drive 56 reads data stored in various storage media such as a CD-ROM, a DVD-ROM, and a DVD-R, or writes data to these storage media.

The server device 50 having such a configuration communicates with the terminal device 20, the server device 30, and the server device 40 by executing an instruction included in the program loaded in the main memory 52 to control each element. As a result, when the server device 50 functions as the server device 50A, the server device 50 can receive the first instruction signal from the server device 40 and execute the first remittance, and when the server device 50 functions as the server device 50B, the server device 50 can execute the first remittance. The second remittance can be executed by receiving the second instruction signal from the server device 40.

3. 3. Functions possessed by each device constituting the information processing system 1 Next, an example of functions possessed by each of the server device 40 and the server device 50 constituting the information processing system 1 described above will be described.

3-1. The function of the server device (processing device) 40 operated by the payment agent company FIG. 4 is a block diagram showing an example of the function of the server device 40 used in the information processing system 1 shown in FIG. As shown in FIG. 4, the server device 40 mainly includes a communication unit 100, a control unit 110, and a storage unit 120.

The communication unit (transmission / reception unit) 100 is a device connected to the communication network 10, for example, a terminal device 20 operated by a purchaser, a server device 30 operated by a seller, a server device 50 operated by a financial institution, and the like. It is a communication interface for communicating between the control unit 110 and the control unit 110. The communication unit 100 can be realized mainly by the communication I / F 44 and the CPU 41 among the elements exemplified in FIG. 2.

The control unit 110 executes various functions (described later) for acting as a payment agent between the seller and the purchaser. The control unit 110 can be realized mainly by the CPU 41, the main memory 42, and the external memory 45 among the elements exemplified in FIG. 2.

The storage unit 120 stores information necessary for executing various functions (described later) for acting as a payment agent between the seller and the purchaser. The storage unit 120 can be realized mainly by the CPU 41, the main memory 42, and the external memory 45 among the elements exemplified in FIG. 2.

Specific examples of the functions executed by the control unit 110 are as follows.
(1) Purchaser management unit 111
The purchaser management unit 111 has a function for managing purchaser information (purchaser information). The purchaser management unit 111 can mainly register the purchaser at the time of the first use, update the purchaser information, and the like. The purchaser information can be stored as the purchaser information 121 in the storage unit 120.

(2) Seller Management Department 112
The seller management unit 112 has a function for managing seller information (seller information). The seller management unit 112 can register and update seller information, contract conditions with the seller, and the like. The seller information can be stored as the seller information 122 in the storage unit 120.

(3) Financial Institution Management Department 113
The financial institution management unit 113 has a function of managing the account information (financial institution account information) of the financial institution held by each of the purchaser, the seller, and the settlement agency company. The financial institution account information can be stored as the financial institution account information 123 in the storage unit 120. The financial institution management department 113 mainly registers the account of the financial institution, registers the credential information (first permission information and second permission information) necessary for using the API (Application Programming Interface), and is determined by the financial institution. Credential information can be updated during the period and frequency. The credential information can be stored as financial institution information 126 in the storage unit 120.

(4) Settlement payment withdrawal section 114
The settlement payment withdrawal unit 114 has a function of managing remittance from the account held by the purchaser to the account held by the settlement agency company. The settlement payment withdrawal unit 114 mainly receives a request signal from the server device 30, confirms and notifies the remittance execution result, and changes the account held by the purchaser to the account held by the settlement agent company C (between the banks or the same). It is possible to transmit an instruction signal (first instruction signal) instructing remittance (by transfer between branches), and to record the result of remittance in transaction information. The transaction information can be stored as transaction information 124 in the storage unit 120. Further, the settlement price withdrawal unit 114 can also perform remittance (first remittance) from the purchaser to the settlement agency company according to the frequency agreed with the purchaser and / or the seller in advance.

(5) Settlement payment deposit section 115
The settlement price deposit unit 115 has a function of managing remittance from the settlement agency company to the seller. The settlement price deposit unit 115 mainly receives an instruction signal (second instruction signal) instructing the transfer from the account held by the settlement agent company to the account held by the seller (by transfer between the same bank or the same branch). It is possible to send and record the result of remittance in transaction information. The transaction information can be stored as transaction information 124 in the storage unit 120. In addition, the settlement price payment unit 115 can also remit money from the settlement agency company to the seller according to the frequency agreed with the seller in advance.

Further, when the settlement agent depositing unit 115 remits money from the settlement agent company to the seller, if the same financial institution as the seller does not have a sufficient balance in the account held by the settlement agent company, it will be described later. In addition, remittance (transfer between other banks) can be performed from the account held by the settlement agent company to the account held by the seller at another financial institution.

(6) Balance management unit 116
The balance management unit 116 has a function of managing the balances of the accounts of a plurality of financial institutions held by the settlement agency company. The balance management unit 116 mainly transfers funds for adjusting the balance between the accounts of each financial institution, and periodically collates the balance information with the accounts of each financial institution, as will be described later.

3-2. Function of the server device 50 operated by a financial institution FIG. 5 is a block diagram showing an example of a function of the server device 50 used in the information processing system 1 shown in FIG. As shown in FIG. 5, the server device 50 mainly includes a communication unit 200, a control unit 210, and a storage unit 220.

The communication unit (transmission / reception unit) 200 is a device connected to the communication network 10, for example, a terminal device 20 operated by a purchaser, a server device 30 operated by a seller, and a server device 40 operated by a payment agent company. It is a communication interface for communicating between the above and the control unit 210. The communication unit 200 can be realized mainly by the communication I / F 54 and the CPU 51 among the elements exemplified in FIG.

The control unit 210 has various functions (described later) for realizing the first remittance when the server device 50 functions as the server device 50A, and / or when the server device 50 functions as the server device 50B. It executes various functions (described later) for realizing the second remittance. The control unit 210 can be realized mainly by the CPU 51, the main memory 52, and the external memory 55 among the elements exemplified in FIG.

The storage unit 220 stores information necessary for executing various functions (described later) for realizing the first remittance and / or the second remittance. The control unit 210 can be realized mainly by the CPU 51, the main memory 52, and the external memory 55 among the elements exemplified in FIG.

The control unit 210 mainly includes a management unit 211, a first remittance unit 212, and a second remittance unit 213.
The management unit 211 has a function of managing the account information (financial institution account information) of the financial institution held by each of the purchaser, the seller, and the settlement agency company. The financial institution account information can be stored in the storage unit 120. In addition, the management unit 211 can register the account of the financial institution, register the credential information (first permission information and second permission information) necessary for using the API, and the like. The credential information can also be stored in the storage unit 120.

The first remittance unit 212 makes a payment at the financial institution from the account held by the purchaser at the financial institution when the communication unit 200 receives the first instruction signal from the server device 40 operated by the payment agent company. Remittance to the account held by the agency company (execute the first remittance).

The second remittance unit 213 is set in the financial institution (that is, the financial institution that operates the server device 40) when the communication unit 200 receives the second instruction signal from the server device 40 operated by the settlement agency company. Remittance is made from the account held by the settlement agent company to the account held by the seller at the relevant financial institution or another financial institution (execution of the second remittance).

4. Operation of information processing system 1
4-1. Basic operation Next, the operation of the information processing system 1 having the above-described configuration will be described. In one embodiment, the purchaser sets a plurality of financial institution accounts to be used for payment of the payment price for the server device 40 operated by the payment agency company, and pays the payment price each time the payment is made. You may be able to select the account of the financial institution that you actually use. Further, in one embodiment, the seller sets a plurality of accounts of the financial institution to which the settlement price is transferred in the server device 40, and the financial institution having the highest priority among the accounts of the plurality of financial institutions. If the account of the financial institution with the highest priority cannot be used due to a system failure of the financial institution, etc., the account of the financial institution with the next highest priority will be used as the transfer destination. It can be used as an account.

FIG. 6 shows an operation performed by the server device 40 operated by the payment agent company in the information processing system 1 shown in FIG. 1 to acquire an access token related to the use of the API from the server device 50 operated by the financial institution. It is a flow chart which shows an example. FIG. 7 is a flow chart showing an example of the operation of the information processing system 1 shown in FIG. 8A to 8L are schematic views showing a transition example of a screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. 1.
Hereinafter, the operation of the information processing system 1 will be described in association with the operation shown in FIGS. 6 and 7 and the screen transitions shown in FIGS. 8A to 8L.

First, referring to FIG. 8A, on the screen of the terminal device 20 of the purchaser, the EC shop received from the server device 30 of the seller via a predetermined application prepared for the EC shop or a normal web browser. The page is displayed. The purchaser selects a product (here, "500 ml of mineral water" and "12 rolls of toilet paper") at the EC shop and taps the "confirm" button 300. As a result, as shown in FIG. 8B, a page for selecting a payment method is displayed on the screen of the terminal device 20.

The purchaser taps the button 301 called "new payment method" in order to select a new payment method (hereinafter referred to as "new payment method") proposed by the present application as the payment method. As a result, as shown in FIG. 8C, the transfer source financial institution already registered as the financial institution (transfer source financial institution) used for the settlement of the price by the new payment method is displayed on the screen of the terminal device 20. (If no transfer source financial institution is registered, the page shown in FIG. 8C is skipped and the page shown in FIG. 8D described later is displayed). Here, as an example, "XX Bank" is displayed as the registered transfer source financial institution. Further, as shown in FIG. 8C, a button 302 "Add transfer source bank" prompting the addition of the transfer source financial institution is also displayed on the screen of the terminal device 20.

When the purchaser selects a registered transfer source financial institution on the screen shown in FIG. 8C, the page shown in FIG. 8H, which will be described later, is displayed.

On the other hand, when the purchaser taps the button 302 to register a new transfer source financial institution, the page shown in FIG. 8D is displayed. The purchaser shall select "△△ Bank" from the financial institutions displayed as candidates for the transfer source financial institution on this page. As a result, as shown in step 400 (hereinafter referred to as “ST”) 400 shown in FIG. 6, the terminal device 20 requests the server device 30 of the seller to register or add the transfer source financial institution. Send a signal. Upon receiving this signal, the server device 30 transmits a signal in ST401 requesting the server device 40 of the settlement agent company to cooperate with the registration or addition of the transfer source financial institution.

In ST402, the server device 40 redirects the purchaser's terminal device 20 to request consent to use the API from the server device 50A of the financial institution selected as the transfer source financial institution. As a result, the terminal device 20 redirects to the page provided by the server device 50A of the transfer source financial institution using a predetermined application prepared for the transfer source financial institution or a normal web browser in ST403 ( Jump).

Subsequently, as shown in FIG. 8E, a web page prompting the user to log in is displayed on the screen of the terminal device 20. When the purchaser inputs the predetermined information, as shown in FIG. 8F, the payment agent company (or the seller) consents to use the API provided to the transfer source financial institution on the screen of the terminal device 20. A page to the effect is displayed. This operation corresponds to ST404 shown in FIG.

When the purchaser taps the "permit" button 303 on the screen shown in FIG. 8F, the terminal device 20 signals that the payment agent company (or the seller) approves the use of the API in ST405 of FIG. 6 as a server. It is transmitted to the device 50A. As a result, the server device 50A issues an authorization code for acquiring the credential information to the settlement agency company in ST406, and transmits this authorization code to the server device 40 of the settlement agency company by redirection. Next, in ST407, the redirect is executed via the terminal device 20 of the purchaser.

The server device 40 of the payment agent company sets the received authorization code in ST408 and transmits a signal to request credential information regarding the use of the API. In ST409, the server device 50A of the transfer source financial institution issues credential information (access token) regarding the use of API to the settlement agent company, and transmits the issued credential information to the server device 40. As a result, after that, the settlement agent company will use the API prepared by the transfer source financial institution for the purchaser's account (API related to the balance inquiry and remittance instruction for the purchaser's account opened at the transfer source financial institution). ) Can be used. The API defines how to instruct the operating system from the application, and various functions available from the application are provided in the form of a function.

When the API prepared by the transfer source financial institution becomes available to the settlement agent company in this way, the screen of the terminal device 20 becomes a predetermined application prepared for the transfer source financial institution shown in FIG. 8F. The screen transitions from the screen provided by (or a normal web browser) to the screen provided by a predetermined application (or normal web browser) prepared for the EC shop shown in FIG. 8G.

As shown in FIG. 8G, on the screen of the terminal device 20, it is displayed that the △△ bank newly selected as the transfer source financial institution can be used for the settlement of the price by the new settlement method. When the purchaser selects the △△ bank, a page prompting the purchaser to confirm the order details is displayed on the screen of the terminal device 20, as shown in FIG. 8H.

When the purchaser confirms the order contents by tapping the button 304 "confirm the order" on the page exemplified in FIG. 8H, the terminal device 20 sets the new payment method in ST500 as shown in FIG. A signal indicating the selection (requesting a new payment method) is transmitted to the seller's server device 30.

Continuing to refer to FIG. 7, in ST501, the server device 30 of the seller who received the request for the new payment method makes a payment agency request to the server device 40 of the payment agency company. Specifically, regarding the settlement of the price between the purchaser and the seller, the server device 30 operated by the seller sends a request signal requesting that the settlement be performed on behalf of the server device 40 of the settlement agency company. Send to. This request signal identifies information that identifies the purchaser, information that identifies the purchaser's financial institution account (an account held by the purchaser at the financial institution selected by the purchaser as the transfer source financial institution), and the payment. It may include information (order number, etc.), information indicating the settlement price, information identifying the seller, and the like.

Upon receiving the request signal from the server device 30, the server device 40 receives the request signal from the purchaser's account opened at the financial institution specified by the request signal to the account of the settlement agency company opened at the financial institution in ST502. Therefore, the first instruction signal (transfer instruction) instructing to transfer the price specified by the request signal can be transmitted to the server device 50A operated by the financial institution. In one embodiment, the server device 40 can transmit the first instruction signal to the server device 50A by executing the API provided by the financial institution. The use of this API by the server device 40 means that the server device 40 uses the credential information (access token / first permission information) acquired from the server device 50A in ST409 described above via the first instruction signal or another signal. It may be possible by transmitting to 50A and confirming that the server device 50A is appropriate for this credential information. Here, the server device 40 is a financial institution in which a settlement agent company is specified by a request signal as a remittance destination via a first instruction signal or another signal in order to realize a transfer between banks or a transfer between the same branches. You can specify the account you have in. In another embodiment, after receiving the request signal, the server device 40 may transmit the first instruction signal (remittance instruction) to the server device 50A according to the frequency agreed with the purchaser and / or the seller in advance. good.

Upon receiving the first instruction signal, the server device 50A receives, for example, a push notification (notification by e-mail or the like) to the purchaser's terminal device 20 in ST503 in order to execute two-factor authentication (multi-route authentication). Good). As a result, referring to FIG. 8 again, as shown in FIG. 8I, a push notification from a predetermined application prepared for the financial institution selected as the transfer source financial institution is displayed on the screen of the terminal device 20. (Note that the terminal device 20 may receive an e-mail or the like instead of receiving the push notification). When the purchaser taps the push notification, the terminal device 20 activates the predetermined application as shown in FIG. 8J. When the purchaser confirms and permits the transfer amount (payment price) using the above-mentioned predetermined application, two-factor authentication (plurality) is performed on the screen of the terminal device 20 by the above-mentioned predetermined application as shown in FIG. 8K. Route authentication) is required. That is, in addition to the authentication by the purchaser using the predetermined application prepared for the EC shop (authentication shown in FIG. 8H), the predetermined financial institution selected as the transfer source financial institution is prepared. Authentication by the purchaser using the application (authentication shown in FIG. 8K) can be performed (note that the second authentication exemplified in FIG. 8K can be omitted). When the authentication shown in FIG. 8K is normally executed, the terminal device 20 returns to the predetermined application prepared for the EC shop as shown in FIG. 8L, and the order is completed.

With reference to FIG. 7 again after the above two-factor authentication is completed, the server device 50A that has received the first instruction signal in ST504 will follow the first instruction signal from the purchaser's account to the settlement agent company. Send money to your account (perform the first transfer). In another embodiment, the server device 50A may execute the first remittance without executing the two-factor authentication after receiving the first instruction signal.

The server device 40 operated by the payment agent company receives a response to the first instruction signal (remittance instruction) from the server device 50A by using the API, and confirms the result of the first instruction signal (remittance instruction). (ST505), the result of such confirmation (settlement result) is notified to the seller's server device 30 (ST506).

Upon receiving the notification of the payment result, the seller's server device 30 notifies the purchaser of the payment result (ST507). As a method of notification, it is possible to use a method such as displaying on the seller's site or sending an e-mail. When the seller recognizes that the payment has been successful based on the notified payment result, the seller ships the product or provides the service to the purchaser (ST508). In another embodiment, a format may be adopted in which the service is collected in advance by a new payment method.

The server device 40 of the settlement agency company executes the API provided by the selected financial institution to the server device 50B of the financial institution selected by the server device 40 at a frequency agreed with the seller in advance. A seller opened in a financial institution preset by the seller from the account of the settlement agency company opened in this selected financial institution by a method such as file transmission or Zengin TCP / IP procedure. A second instruction signal instructing the payment to be sent to the account can be transmitted (ST509). The method by which the server device 40 of the settlement agency company acquires the credential information (access token / second permission information) regarding the use of the API provided by the server device 50B that executes the second remittance is, for example, the first remittance. It can be the same as the method of acquiring the credential information (access token / first permission information) regarding the use of the API provided by the server device 50A (the method described with reference to FIG. 6).

In one embodiment, in order to realize the transfer between the same bank or the same branch, the server device 40 designates the remittance source as an account held by the settlement agent company at a financial institution predetermined by the seller. (That is, as the server device 50B, the server device 50B operated by the same financial institution as the financial institution preset by the seller can be selected). In another embodiment, as will be described later with reference to FIGS. 10A-10C, the balance (or the sum of the balance and the overdraft limit) of the financial institution's account from which the remittance is made is less than the amount required for the remittance. In some cases, the server device 40 can also temporarily transfer money from an account of another financial institution (that is, the server device 50B has a different finance from the financial institution preset by the seller. It is also possible to select the server device 50B operated by the institution).

In still another embodiment, as described above, the server device 40 is set as the transfer destination normally used among the accounts of a plurality of financial institutions preset by the seller (highest priority). ) If the account of the financial institution cannot be used (due to a failure of the system of this financial institution, etc.), the account of the financial institution with the next highest priority can be used as a new transfer destination.

Upon receiving the second instruction signal from the server device 40, the server device 50B (that is, the server device 50B of the financial institution selected by the server device 40) remits the price from the account of the settlement agent company to the account of the seller in ST510. (Execute the second remittance). As described above, the financial institution in which the account of the settlement agency company is opened and the financial institution in which the seller's account is opened may be the same or different.

In ST511, the seller's server device 30 inquires and outputs the details of the transaction carried out with the purchaser as illustrated in FIG. 9 by using the function provided by the server device 40 of the settlement agency company. Can be executed.

4-2. Operation of the Settlement Price Deposit Unit 115 in the Server Device 40 Next, with reference to FIGS. 10A to 10C, an example of a specific operation of the settlement price deposit unit 115 that executes remittance from the payment agent company to the seller described above. explain. 10A to 10C are schematic views illustrating the operation of the payment payment unit 115 in the server device 40 used in the information processing system 1 shown in FIG. 1.

As shown in FIG. 10A, the storage unit 120 of the server device 40 is held by each financial institution (here, as an example, financial institution D1 to financial institution D4) as a part of the balance information 125. For the account, the credit line, account balance and remittable amount are stored. The remittance amount is the total amount of the credit line (overdraft limit) and the account balance.
Further, as shown in FIG. 10A, the storage unit 120 of the server device 40 stores a fee for remittance from the financial institution that is the remittance source to the financial institution to the remittance destination as a part of the financial institution information 126. ing.

In such a state, the settlement price deposit unit 115 of the server device 40 remittance 1 (remittance amount: 300,000 yen / remittance destination: financial institution D1) and remittance as remittance to be executed, as shown in FIG. 10A. It has 2 (remittance amount: 2,000,000 yen / remittance destination: financial institution D2).

The settlement price payment unit 115 preferentially executes the transfer between banks or the transfer between the same branches for each remittance as much as possible. Conversely, if the remittable amount in the account of the settlement agent company at the same financial institution as the transfer destination financial institution is less than the transfer amount, the settlement payment payment unit 115 is held by the settlement agent company at another financial institution. Transfer money from the bank account to the account held by the settlement agency at the financial institution of the transfer destination. Here, the settlement payment payment unit 115 includes various conditions such as a condition that the overdraft utilization rate is low and a condition that the transfer fee between other banks is low from the accounts held by the settlement agency companies in a plurality of financial institutions. You can select the one that meets the above conditions as the account of the financial institution that will be the source of the remittance.

First, focusing on remittance 1, the remittance amount (3,000,000 yen) of the account held by the settlement agency company at the same financial institution D1 as the transfer destination financial institution D1 is the remittance amount (300,000 yen). As shown in FIG. 10B, the settlement payment payment unit 115 remits money from the account held by the settlement agency company at the financial institution D1 to the account held by the seller at the financial institution D1.

Next, focusing on remittance 2, the remittance amount (1,500,000 yen) of the account held by the settlement agent company at the same financial institution D2 as the transfer destination financial institution D2 is the remittance amount (2,000, It is less than 000 yen). Here, the remittance amount of the account held by the settlement agent company at the financial institution D1 is equal to the remittance amount of the account held by the settlement agent company at the financial institution D3, but the settlement price deposit unit 115 uses the overdraft. Priority is given to the financial institution D1 having a smaller rate. In addition, the remittance amount of the account held by the settlement agent company at the financial institution D1 is equal to the remittance amount of the account held by the settlement agent company at the financial institution D4, but the financial institution D1 having a lower transfer fee is given priority. select. As a result, as shown in FIG. 10C, the settlement payment payment unit 115 is not from the account held by the settlement agent company at the financial institution D2, but from the account held by the settlement agent company at the financial institution D1 to the seller at the financial institution D2. Send money to the account held by.

4-3. Operation of Balance Management Unit 116 in Server Device 40 Next, see FIGS. 11A and 11B for an example of a specific operation of balance management unit 116 that adjusts the balances of accounts of a plurality of financial institutions held by a settlement agency. I will explain. 11A and 11B are schematic views illustrating the operation of the payment payment unit 115 in the server device 40 used in the information processing system 1 shown in FIG. 1.

The balance adjustment process executed by the balance management unit 116 appropriately manages the balances of the accounts held by the settlement agency companies at multiple financial institutions in order to prevent the transfer between other banks from occurring as much as possible when the second remittance is executed. It is a process. This balance adjustment process may be performed on a regular basis.

As shown in FIG. 11A, the storage unit 120 of the server device 40 stores the remittance possible amount and the like for the accounts held by the settlement agency companies in a plurality of financial institutions as a part of the balance information 125.

The balance management unit 116 recognizes an account having a remittance amount below the lower limit and an account having a remittance amount exceeding the upper limit by using the balance information 125. In the example shown in FIG. 11A, the balance management unit 116 recognizes the accounts of financial institutions D3 and D5 as accounts having a remittance possible amount below the lower limit, and finances them as accounts having a remittance possible amount exceeding the upper limit. Recognize the accounts of institutions D2, D4 and Dn.

In one embodiment, the balance management unit 116 can preferentially select the account for withdrawal having the largest amount of remittance possible amount exceeding the upper limit so that the number of transfers is minimized. For example, in the example shown in FIG. 11A, the balance management unit 116 preferentially selects the account of the financial institution D2, which has the largest amount of remittance exceeding the upper limit, as the account for withdrawal, and the remittance amount. The financial institution D3, which has the next largest amount below the lower limit, can be selected as the deposit account. Further, the balance management unit 116 preferentially selects the account of the financial institution D4, which has the next largest amount of remittance exceeding the upper limit, as the account for withdrawal, and the amount of remittance is the largest. Financial institution D5 can be selected as the deposit account. As a result, the balance management unit 116 transfers the shortfall amount (3,000,000 yen) from the account held by the settlement agent company at the financial institution D2 to the account held by the settlement agent company at the financial institution D3, and the financial institution The shortfall (200,000 yen) is transferred from the account held by the settlement agent company in D4 to the account held by the settlement agent company in the financial institution D5.

After that, the balance management unit 116 updates the balance information of each financial institution stored in the balance information 125 after the transfer is executed.

In addition, the setting of the upper limit and the lower limit for the balance of the account held by the settlement agent company at each financial institution takes into consideration the ratio that the purchaser and the seller specify each financial institution and the statistical information of the daily settlement price. It can be done for each financial institution. The upper limit and the lower limit can be reviewed as appropriate in order to limit the number of transfers between accounts to the minimum possible. Further, the upper limit value and the lower limit value may be efficiently derived by using machine learning or the like.

As described above, according to the above-described embodiment, regarding the settlement of the price between the purchaser and the seller, in addition to reducing the labor related to the bank transfer for the purchaser, the purchaser bears the burden. Fees related to payments to be made are also reduced. In addition, even a purchaser who does not have a credit card or the like can make an almost immediate payment 24 hours a day, 365 days a year.

Even sellers who dislike payments by credit card or the like due to high fees and do not have immediate payment means can introduce immediate payment means. In addition, since the purchaser can pay the price directly from the payment screen, the situation where the purchaser forgets to transfer the product and loses the product sales opportunity is reduced. Further, since the seller can immediately receive the price of the sold product or the like, the cash flow is improved as compared with the conventional payment method, and it becomes easy to additionally purchase the sold product. Furthermore, bank transfers will also be available for services such as food delivery, where goods must be delivered as soon as an order is received. Furthermore, since it is possible to make payments at a frequency agreed in advance with the purchaser and / or the seller, the seller can use an account transfer (account transfer) contract that has traditionally required a high fee to pay the price. It will be possible to provide equivalent services with relatively low fees for the insurance premiums to be collected and the rents of rental properties.

Since payment can be made 24 hours a day, 365 days a year by both the purchaser and the seller, payment confirmation is performed immediately, so the product can be shipped quickly (shipped) in the same way as payment by credit card. You can get it). In addition, since transfer errors are less likely to occur, unnecessary procedures such as reassembly and costs can be suppressed. Furthermore, by making the payment agent company a third party, it becomes possible to provide an escrow service, and it becomes possible for both the purchaser and the seller to make a safe transaction.

Therefore, according to the above-described embodiment, it is possible to provide a processing device that executes payment with improved convenience.

In the above-described embodiment, the case where the server device 50B for performing the second remittance transfers money from the account of the settlement agent company to the seller's account has been described, but the seller's account as the deposit destination is an EC shop. It may be an account of a seller who operates an auction site or the like, or it may be an account of a seller who opens a store in an EC shop or an auction site or the like.

5. Modification Example In the above embodiment, the information system 1 executes the payment of the price of the product or service between the purchaser and the seller only once, and the information system 1 is between the purchaser and the seller. It is obvious to those skilled in the art from the above description that it may include a mode in which the payment for goods or services in the above is executed multiple times, that is, periodically.

Hereinafter, a mode in which the information processing system 1 executes payment of a price for a product or service between a purchaser and a seller a plurality of times, that is, periodically, will be described in more detail. The specific description of the parts common to the above-mentioned contents will be omitted.

The information processing system 1 can, for example, execute payment between the purchaser and the seller for the following items without limitation.
(Example 1) Regular provision of physical or electronic newspapers, magazines, emails, etc. (Example 2) Electricity, gas, water services, etc.
(Example 3) Telephone (landline, mobile phone, smartphone, tablet, wireless LAN, pocket WiFi, etc.)
(Example 4) Taxes (resident tax, income tax, etc.) and pensions (national pension, private pension, etc.)
(Example 5) Insurance (National Health Insurance, Automobile Insurance, Life Insurance, etc.)
(Example 6) Installment payment for goods or services (loan payment)
(Example 7) Payment of monthly fees for products or services provided regularly on the website (Example 8) Stores (restaurants, internet cafes, public baths, sports gyms, golf practice areas, English conversation classes, etc.) For example, payment of monthly fees for the products or services provided in (Example 9) Any other products or services provided regularly or continuously (Example 10) Rent of rental property (Example 11) Above Any combination of (Example 1) to (Example 10)

FIG. 12 is a flow chart showing another example of the operation of the information processing system 1 shown in FIG. FIG. 13 is a schematic diagram showing a state regarding another example of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. 1. Here, as an example, the case where the information processing system 1 periodically executes the settlement of the mobile phone usage fee between the purchaser and the seller (that is, the telecommunications carrier) will be described. It goes without saying that the following description is also valid when the information processing system 1 periodically executes payment for the matters shown in any of the above (Example 1) to (Example 11). No.

As shown in FIG. 12, first, in ST600, the purchaser's terminal device 20 periodically executes the settlement of the mobile phone usage fee by the new settlement method (new settlement method) proposed by the present application. Apply to the seller's server device 30. At that time, the transition of the screen displayed on the terminal device 20 of the purchaser is illustrated in FIGS. 13A to 13G.

As shown in FIG. 13A, the screen of the terminal device 20 of the purchaser is displayed on the screen of the carrier via a predetermined application prepared for the carrier (○○ mobile in FIG. 13A) or a normal web browser. The page received from the server device 30 of (seller) is displayed. At present, the purchaser's mobile phone usage fee is set to be deducted from the XX bank account every month. When the purchaser taps or clicks the "change" button, the terminal device 20 displays the page shown in FIG. 13B. On the page shown in FIG. 13B, the purchaser selects the "new payment method" and taps or clicks the "confirmation" button, so that the page shown in FIG. 13C is displayed on the terminal device 20.

On the page shown in FIG. 13C, the transfer source financial institution (transfer source financial institution) already registered as the financial institution used for the settlement of the price by the new settlement method is displayed. Here, as an example, the purchaser selects a △△ bank. As explained with reference to FIG. 8D and the like, this △△ bank is registered as a transfer source financial institution by the purchaser. When the purchaser taps or clicks the "confirmation" button, the terminal device 20 displays the page shown in FIG. 13D.

On the page shown in FIG. 13D, the purchaser sets the payment date of the usage fee (the date when the remittance is made from the account of the purchaser opened at the bank to the account of the settlement agency company opened at the bank). For example, "10th of every month" can be entered. The purchaser may also set the actual payment date to the previous business day or the next business day if the payment date specified in this way corresponds to a bank holiday.

When the purchaser taps or clicks the "confirmation" button on the page shown in FIG. 13D, the terminal device 20 displays a signal including information and the like input by the purchaser through the pages shown in FIGS. 13B to 13D. It is transmitted to the server device 30 of the telecommunications carrier (see ST400 in FIG. 6 described above). Upon receiving this signal, the server device 30 transmits a signal to the server device 40 of the payment agent company requesting cooperation for periodically settling the purchaser's usage fee by the new payment method (described above). See ST401 in FIG. 6).

The server device 40 is a purchaser in order to request consent to use the API from the server device 50A of the financial institution (here, △△ bank) selected as the transfer source financial institution (transfer source financial institution). Redirects the terminal device 20 (see ST402 in FIG. 6 above). As a result, the terminal device 20 redirects to the page provided by the server device 50A of the △△ bank by using a predetermined application prepared for the △△ bank or a normal web browser (FIG. 6 described above). See ST403).

Subsequently, as shown in FIG. 13E, a page prompting login is displayed on the screen of the terminal device 20. When the purchaser inputs the predetermined information, as shown in FIG. 13F, the payment agent company (or the telecommunications carrier) consents to use the API provided to the △△ bank on the screen of the terminal device 20. A page to the effect is displayed (see ST404 in FIG. 6 above).

When the purchaser taps the "permit" button on the screen shown in FIG. 13F, the terminal device 20 transmits a signal to the server device 50A that the payment agent company (or the telecommunications carrier) consents to the use of the API (. See ST405 in FIG. 6 above). As a result, the server device 50A issues an authorization code for acquiring the credential information to the settlement agency company, and transmits this authorization code to the server device 40 of the settlement agency company by redirection (FIG. 6 described above). See ST406). Next, the redirect is executed via the purchaser's terminal device 20 (see ST407 in FIG. 6 above).

The server device 40 of the payment agent company sets the received authorization code and transmits a signal to the server device 50A to request credential information regarding the use of the API (ST408 in FIG. 6 described above). The server device 50A issues credential information (access token) regarding the use of the API to the payment agent company, and transmits the issued credential information to the server device 40 (see ST409 in FIG. 6 described above). As a result, from then on, the settlement agent will inquire the purchaser's account about the balance of the API prepared at the △△ bank (the balance inquiry and “regular” remittance instruction for the purchaser's account opened at the △△ bank. It becomes possible to use API) related to such things.

On the other hand, as shown in FIG. 13G, the terminal device 20 displays that the payment method for the mobile phone usage fee has been changed to the new payment method. Here, for example, △△ bank is registered as a financial institution used for regular settlement of usage charges, the closing date of billing of usage charges is, for example, the last day of every month, and the payment date of usage charges. Can be displayed, for example, as the 10th day of every month.

Returning to FIG. 12 again, in ST601, the server device 30 of the telecommunications carrier (seller) requests the server device 40 of the payment agent company to make a payment agent on the closing day of each month (or a predetermined number of days after the closing date). I do. Specifically, regarding the settlement of the usage fee for the current month between the purchaser and the telecommunications carrier (seller), the server device 30 operated by the telecommunications carrier is a request signal requesting that the settlement be performed on behalf of the purchaser. Is transmitted to the server device 40 of the settlement agency company. This request signal is not limited to, for example, information for identifying the purchaser, information for identifying the telecommunications carrier, information for identifying the billing amount for the current month, information for identifying the periodic payment, and the like. Can include.

This request signal is transmitted from the server device 30 to the server device 40 at a "first frequency". In the example shown here, the billing of the usage fee is closed on the last day of every month, so the "first frequency" is once a month. In another embodiment, the "first frequency" is, for example, once or more times a week, multiple times a month, once or more times a quarter, once or more times a year, and 1 in other fixed cycles. It can be selected from the group including multiple times or multiple times.

In addition, the "first frequency" may be constant at all times, and may be arbitrary timing according to a request from a purchaser, a telecommunications carrier, a financial institution, and / or a settlement agency, or other factors. It can be changed with.

Next, in ST602, the server device 40 of the settlement agency company performs the first batch processing with the transfer execution date (transfer execution date) designated by each purchaser (for example, the payment date specified in FIG. 13D) as an opportunity. Can be executed. That is, the server device 40 takes the transfer execution date (transfer execution date) specified in advance as an opportunity, and describes the following processing (corresponding to ST603) for a plurality of users for which the transfer execution date (transfer execution date) is set. Processing) can be executed collectively, for example.

In ST603, the server device 40 receives a request signal for each purchaser from the purchaser's account opened in the financial institution specified by the request signal to the account of the settlement agency company opened in the financial institution. The first instruction signal (remittance instruction) instructing to remit the price specified by the above can be transmitted to the server device 50A operated by the financial institution. In one embodiment, the server device 40 can transmit the first instruction signal to the server device 50A by executing the API provided by the financial institution. The use of this API by the server device 40 transmits the credential information (access token / first permission information) acquired by the server device 40 from the server device 50A to the server device 50A via the first instruction signal or another signal. , The server device 50A may be made possible by confirming that this credential information is appropriate. Here, the server device 40 makes a payment to the remittance destination via the first instruction signal or another signal in order to realize the transfer between the same banks (transfer between the same banks) or the transfer between the same branches (transfer between the same branches). It is possible to specify the account held by the agency company at the financial institution specified by the request signal.

The server device 40 can specify the financial institution and the accounts of each purchaser opened in the financial institution by using the request signal, for example, by the following method.
(1) When the server device 40 acquires the credential information (access token) from the server device 50A (or, the server device 40 executes periodic payment between the purchaser, the telecommunications carrier, the payment agency company, and the financial institution). Information that identifies the financial institution, information that identifies the buyer's account opened at the financial institution, and periodical payment methods using the new payment method, in association with the information that identifies the purchaser. Information that identifies payment, information that identifies a telecommunications carrier, etc. are stored, and when a request signal is received, information that identifies the purchaser included in the request signal, and the periodic payment Information that identifies at least one of the information that identifies the financial institution, information that identifies the financial institution, and information that identifies the purchaser's account opened at the financial institution, which corresponds to the search key from the stored information, using at least one of the information as the search key. To get.
(2) Instead of the above (1), the server device 40 identifies the information for identifying the purchaser, the information for identifying the financial institution, and the account of the purchaser opened in the financial institution from the server device 30. Receives a request signal that includes at least information to be billed and information that identifies the billing amount for the month.

The first instruction signal is transmitted from the server device 40 to the server device 50A at a "second frequency". In the example shown here, since the usage fee of each purchaser is paid on the 10th day of each month, for example, the "second frequency" is once a month. In another embodiment, the "second frequency" is, for example, once or more times a week, multiple times a month, once or more times a quarter, once or more times a year, and 1 in other fixed cycles. It can be selected from the group including multiple times or multiple times.

In addition, the "second frequency" may be constant at all times, and may be arbitrary timing depending on the request from the purchaser, the telecommunications carrier, the financial institution, and / or the settlement agent company, or other factors. It can be changed with. Further, the "second frequency" is specified by the purchaser as illustrated in FIG. 13D, but may be specified by the seller (telecommunications carrier).

As an option, the server device 50A that has received the first instruction signal sends a push notification (notification by e-mail or the like) to the purchaser's terminal device 20 in ST604 in order to execute two-factor authentication (multi-route authentication). May be there). As a result, referring to FIG. 13 again, as shown in FIG. 13H, the screen of the terminal device 20 shows a predetermined value prepared for the △△ bank selected as the transfer source financial institution (transfer source financial institution). The push notification from the application is displayed (note that the terminal device 20 may receive an e-mail or the like instead of receiving the push notification). When the purchaser taps the push notification, the terminal device 20 launches the predetermined application, as shown in FIG. 13I. When the purchaser confirms and permits the transfer amount (transfer amount) of, for example, 7,900 yen as the usage fee for the current month using the above-mentioned predetermined application, the screen of the terminal device 20 displays the screen of the terminal device 20 as shown in FIG. 13J. Two-factor authentication (multi-route authentication) is required by the above-mentioned predetermined application. That is, in addition to the authentication by the purchaser (authentication shown in Fig. 13G) using the predetermined application prepared for the telecommunications carrier (○○ Mobile), it is selected as the transfer source financial institution (transfer source financial institution). Authentication by the purchaser (authentication shown in FIG. 13J) using a predetermined application prepared for the bank can be performed (note that the second authentication exemplified in ST604 can be omitted. In this case, after ST603, ST605 described later is executed).

With reference to FIG. 12 again after the above two-factor authentication is completed, the server device 50A that has received the first instruction signal in ST605 is settled from the purchaser's account according to the first instruction signal. Transfer the money to your account (perform the first transfer). In another embodiment, as described above, the server device 50A may execute the first remittance without executing the two-factor authentication after receiving the first instruction signal.

Next, in ST606, the server device 50A transmits to the server device 40 that the transfer (transfer) (that is, the first remittance) from the purchaser's account to the settlement agent company's account has been executed. In one embodiment, the server device 50A can notify the server device 40 that the first remittance has been executed as a response to the API executed in ST603 by the server device 40.

In ST607, the server device 40 notifies the seller's server device 30 that the first remittance has been executed. Upon receiving such a notification, the server device 30 notifies the purchaser's terminal device 20 that the first remittance has been executed in ST608, for example, as shown on the page illustrated in FIG. 13K.

In ST609, the server device 40 of the settlement agency company can execute the second batch processing with the transfer execution date (transfer execution date) designated in advance by the telecommunications carrier (seller) as an opportunity. That is, the server device 40 performs the process described below (process corresponding to ST610) regarding the first remittance executed for all the purchasers, triggered by the transfer execution date (transfer execution date) designated in advance by the seller. For example, it can be executed all at once.

In ST610, the server device 40 of the settlement agency is used by the seller from the account of the settlement agency opened in the selected financial institution with respect to the server device 50B of the financial institution selected by the server device 40. It is possible to send a second instruction signal instructing the payment to be sent to the seller's account opened in the preset financial institution. The price here is, for example, the total price sent from each purchaser to the telecommunications carrier (seller) in the current month. This price includes information for identifying the purchaser, information for identifying the telecommunications carrier, information for identifying the billing amount for the current month, and the periodical period, which are included in the request signal transmitted from the server device 30 to the server device 40 in ST601. It is possible to specify from information that identifies a typical payment.

The second instruction signal is transmitted from the server device 40 to the server device 50B by an API execution, file transmission, Zengin TCP / IP procedure, or the like provided by the financial institution that operates the server device 50B. It is feasible. As a method for the server device 40 of the payment agent company to acquire the credential information (access token / second permission information) regarding the use of the API provided by the server device 50B that executes the second remittance, for example, the first remittance is executed. It can be the same as the method of acquiring the credential information (access token / first permission information) regarding the use of the API provided by the server device 50A (the method described with reference to FIGS. 6 and 13). ..

The second instruction signal is transmitted from the server device 40 to the server device 50B at a "third frequency". In the example shown here, since the usage fee of each purchaser is paid on the 10th day of each month, for example, the "third frequency" is once a month. In another embodiment, the "third frequency" is, for example, once or more times a week, multiple times a month, once or more times a quarter, once or more times a year, and one other timely cycle. It can be selected from the group including multiple times or multiple times. Furthermore, in another embodiment, the second instruction signal may be transmitted on the same day as the first instruction signal transmitted from the server device 40 to the server device 50A in ST603, or the first instruction may be transmitted. It may be transmitted after a predetermined number of days have passed from the signal.

In addition, the "third frequency" may be constant at all times, and may be changed at an arbitrary timing according to a request from a telecommunications carrier, a financial institution, and / or a settlement agency, or other factors. Is possible.

In one embodiment, in order to realize transfer between banks (transfer between banks) or transfer between same branches (transfer between same branches), the server device 40 is used at a financial institution predetermined by the seller as the remittance source. An account held by the settlement agent company can be specified (that is, the server device 50B operated by the same financial institution as the financial institution preset by the seller can be selected as the server device 50B). In another embodiment, as described above with reference to FIGS. 10A-10C, the balance of the financial institution's account from which the remittance is made (or the sum of the balance and the overdraft limit) is less than the amount required for the remittance. For example, the server device 40 can also temporarily transfer money from an account of another financial institution (that is, the server device 50B is a financial institution different from the financial institution preset by the seller. It is also possible to select the server device 50B operated by the financial institution).

Further, in still another embodiment, as described above, the server device 40 is set as a transfer destination (transfer destination) normally used among the accounts of a plurality of financial institutions preset by the seller (transfer destination). If the account of the financial institution with the highest priority cannot be used (due to a failure of the system of this financial institution, etc.), the account of the financial institution with the next highest priority will be used as the new transfer destination (transfer destination). It can be used.

Upon receiving the second instruction signal from the server device 40, the server device 50B (that is, the server device 50B of the financial institution selected by the server device 40) remits the price from the account of the settlement agent company to the account of the seller in ST611. (Execute the second remittance). As described above, the financial institution in which the account of the settlement agency company is opened and the financial institution in which the seller's account is opened may be the same or different.

Next, in ST612, the server device 50B transmits to the server device 40 that the transfer (transfer) (that is, the second remittance) from the purchaser's account to the account of the settlement agent company has been executed by an arbitrary method. When the transmission of the second instruction signal is executed by the server device 40 via the API in ST610 described above, in ST612, the server device 50B receives the second instruction signal as a response to the API executed by the server device 40 in ST610. 2 It is possible to notify the server device 40 that the remittance has been executed. After that, in ST613, the server device 40 notifies the seller's server device 30 that the second remittance has been executed.

After that, by repeating ST601 to ST613 described above, the information processing system 1 can periodically execute the settlement of the mobile phone usage fee between the purchaser and the seller (communication carrier).

In addition, when the settlement between the purchaser and the seller is performed every month for the matters exemplified in the above (Example 1) to (Example 11), the total number of days included in each of January to December is each month. Such payments may not be performed "regularly" in the strict sense of the word, but at least "substantially regularly". can. Therefore, in the present specification, the matters exemplified in the above (Example 1) to (Example 11) are once or more than once a week, once or more than once a month, once every quarter between the purchaser and the seller. Or, payments that are executed at a frequency selected from the group that includes multiple times, once or multiple times each year, and once or multiple times in other fixed cycles are payments that are executed substantially periodically. It is understood that there is.

As described above, according to the information processing system 1 described with reference to FIGS. 12 and 13, the new payment method is a combination of a purchaser and a seller (and, if necessary, a financial institution and a payment agency). It can also be applied to substantially regular payments between the purchaser and the seller simply by giving consent at the time of application. Such a new payment method can be used by the purchaser in the same sense as an existing fund transfer (fund transfer). Unlike the existing fund transfer (fund transfer), this new payment method eliminates the need for the purchaser to fill out the necessary documents at the time of application, thus reducing the time and effort.

For the seller, it is only necessary to give an agreement with the purchaser (and, if necessary, a financial institution and a settlement agency) at the time of application from the purchaser, and the purchaser can make regular payments to the seller. Payment methods can be applied. This makes it possible for the seller to prevent payment omissions by the purchaser for charges that require regular payment, and also because the purchaser avoids the trouble of regular payment. It is possible to suppress the decrease in new contracts and the increase in cancellations. Furthermore, the seller can eliminate the need for written exchanges with the purchaser (financial institution if necessary) required for the existing fund transfer (fund transfer), which is costly and troublesome. Can be suppressed.

Furthermore, since the new payment method can be used as a payment method in place of a credit card and fund transfer (account transfer), it is possible to reduce fees incurred by credit card payment and fund transfer (account transfer).

Furthermore, when using an existing fund transfer (direct debit), the seller has an account between the buyer's account opened at the financial institution and the seller's account opened at the financial institution. In order to carry out a transfer (fund transfer), a predetermined fee must be paid for each transaction to the storage institution that intervenes between the seller and the financial institution. On the other hand, according to the new payment method, the seller does not have to pay any fee to the storage institution, so for example, a service or product whose price is suppressed by the fee is given to the purchaser. Can be provided.

The various embodiments described above can be implemented in combination with each other as long as there is no contradiction.

As described above, the server device (processing device) operated by the settlement agency company instructs the server device operated by a certain financial institution to perform the first remittance (transfer from the purchaser's account to the settlement agency's account). Instruct the second remittance (transfer from the account of the settlement agent company to the account of the seller) to the server device operated by the same financial institution as this financial institution or another financial institution different from this financial institution. The technical idea of being executed by the financial institution was explained by taking various embodiments incorporating various technical features that are not essential for realizing this technical idea as an example. However, the technical scope of the invention described in the claims is defined based on the description of the claims, and the technical features merely exemplified in the detailed description of the invention are provided. It goes without saying that it is not limited to what it has.

The processes and procedures described herein are feasible not only by those expressly described in embodiments, but also by software, hardware or combinations thereof. Specifically, the processes and procedures described in the present specification are realized by implementing logic corresponding to the processes on a medium such as an integrated circuit, a volatile memory, a non-volatile memory, a magnetic disk, and an optical storage. Will be done. Further, the processes and procedures described in the present specification can be implemented by various computers by implementing the processes and procedures as a computer program.

Even if it is described that the processes and procedures described herein are performed by a single device, software, component, module, such processes or procedures may be performed by a plurality of devices, software, etc. It can be executed by multiple components and / or multiple modules. Also, even if it is described that the data, tables or databases described herein are stored in a single memory, such data, tables or databases may be provided in a single device. It can be distributed and stored in the memory of the above or a plurality of memories distributed and arranged in a plurality of devices. Further, the software and hardware elements described herein can be realized by integrating them into fewer components or by breaking them down into more components.

10 Communication network 20 Terminal equipment operated by the purchaser 30 Server equipment operated by the seller 40 Server equipment operated by the payment agency company 50 Server equipment operated by a financial institution 50A First remittance server equipment 50B No. 2 Server device for remittance 100 Communication department 110 Control department 111 Purchaser management department 112 Seller management department 113 Financial institution management department 114 Settlement payment withdrawal department 115 Settlement payment deposit department 116 Balance management department 120 Storage unit 200 Communication department 210 Control Department 211 Management Department 212 1st Remittance Department 213 2nd Remittance Department 220 Storage Unit

Claims (30)

It is a processing device operated by a settlement agency company that acts as a proxy for payment of payments between a purchaser and a seller on a substantially regular basis.
A receiving means for receiving a request signal requesting that the payment be made on behalf of the server device operated by the seller via the communication line at the first frequency.
The first instruction signal instructing to transfer the price from the purchaser's account opened in the financial institution specified by the request signal to the account of the settlement agency company opened in the financial institution. Is transmitted to the server device operated by the financial institution via the communication line at a second frequency, and the first instruction means.
Remittance of the price from the account of the settlement agent company opened in the financial institution selected by the processing device to the account of the seller opened in the financial institution set by the seller. A second instruction means for transmitting the instruction second instruction signal to the server device operated by the selected financial institution via the communication line at a third frequency.
A storage means for storing the balances of accounts of a plurality of financial institutions held by the settlement agency, and
Balance adjustment means for executing remittance from the account of one financial institution having a balance exceeding the upper limit to the account of another financial institution having a balance below the lower limit among the accounts of a plurality of financial institutions held by the settlement agency. When,
Equipped with
The first frequency is once or more times a week, once or more times a month, once or more times a quarter, once or more times a year, and once or more times in a certain cycle. Selected from the including group, constant or variable,
The second frequency is once or more times a week, once or more times a month, once or more times a quarter, once or more times a year, and once or more times in a certain cycle. Selected from the including group, constant or variable,
The third frequency is once or more times a week, once or more times a month, once or more times a quarter, once or more times a year, and once or more times in a certain cycle. A processing device selected from the including group and characterized by being constant or variable. The processing device according to claim 1, wherein the communication line includes at least one of an Internet, a mobile communication network, and a fixed communication network. The processing apparatus according to claim 1 or 2, which includes a CPU. The processing apparatus according to claim 3, wherein the second frequency is specified by the purchaser or the seller. The processing apparatus according to any one of claims 1 to 4, which includes a main memory. The processing apparatus according to claim 5, wherein the third frequency is specified by the seller. The first instruction means remits the price from the account opened in the financial institution specified by the request signal among the accounts opened in the plurality of financial institutions set for the purchaser. The processing apparatus according to any one of claims 1 to 6, which generates a first instruction signal to be instructed. The second instruction means remits the price to an account opened in a financial institution selected by the processing device among accounts opened in a plurality of financial institutions set for the seller. The processing apparatus according to any one of claims 1 to 7, which generates a second instruction signal to indicate the effect. The financial institution in which the purchaser's account is opened specified by the request signal and the financial institution in which the seller's account set by the seller is opened are the same or different. The processing apparatus according to any one of claims 1 to 8. The processing apparatus according to any one of claims 1 to 9, wherein the selected financial institution is the same as or different from the financial institution in which the seller's account is opened, which is set by the seller. .. Further provided with a first permission information acquisition means for acquiring the first permission information for using the first interface from the purchaser and the financial institution receiving the first instruction signal.
The first instruction means transmits the first instruction signal to a server device operated by the financial institution via the first interface permitted by the first permission information.
The processing apparatus according to any one of claims 1 to 10. Further provided with a second permission information acquisition means for acquiring the second permission information for using the second interface from the seller and the financial institution receiving the second instruction signal.
The second instruction means is claimed from claim 1, wherein the second instruction signal is transmitted to a server device operated by the selected financial institution via the second interface permitted by the second permission information. Item 6. The processing apparatus according to any one of Items 11. It is operated by a processing device operated by a payment agency that acts as a proxy for payment of payments between the purchaser and the seller on a substantially regular basis , and by a financial institution connected to the processing device via a communication line. A communication system including a first server device.
The processing device
A receiving means for receiving a request signal requesting that the payment be made on behalf of the seller server device operated by the seller via the communication line at the first frequency.
The first instruction signal instructing to transfer the price from the purchaser's account opened in the financial institution specified by the request signal to the account of the settlement agency company opened in the financial institution. To the first server device operated by the financial institution via the communication line at the second frequency, and the first instruction means.
Remittance of the price from the account of the settlement agent company opened in the financial institution selected by the processing device to the account of the seller opened in the financial institution set by the seller. A second instruction means for transmitting the instruction second instruction signal to the second server device operated by the selected financial institution via the communication line at a third frequency.
A storage means for storing the balances of accounts of a plurality of financial institutions held by the settlement agency, and
Balance adjustment means for executing remittance from the account of one financial institution having a balance exceeding the upper limit to the account of another financial institution having a balance below the lower limit among the accounts of a plurality of financial institutions held by the settlement agency. When,
Equipped with
Moreover,
The first server device
The processing device, which receives a request signal requesting that the payment be made on behalf of the seller server device operated by the seller at the first frequency, instructs the remittance via the communication line. a receiving unit that receives the first instruction signal at a second frequency, which indicates that,
A remittance means for remittance of the price from the purchaser's account to the account of the settlement agency according to the first instruction signal.
Equipped with
The first frequency is once or more times a week, once or more times a month, once or more times a quarter, once or more times a year, and once or more times in a certain cycle. Selected from the including group, constant or variable,
The second frequency is once or more times a week, once or more times a month, once or more times a quarter, once or more times a year, and once or more times in a certain cycle. A communication system that is selected from the including group and is constant or variable. 13. The communication system according to claim 13 , wherein the communication line includes at least one of an Internet, a mobile communication network, and a fixed communication network. Including CPU, it may enable the interaction with communications system of claim 13 or claim 14. It is operated by a processing device operated by a payment agency that acts as a proxy for payment of payments between the purchaser and the seller on a substantially regular basis, and by a financial institution connected to the processing device via a communication line. A communication system including a second server device.
The processing device
A receiving means for receiving a request signal requesting that the payment be made on behalf of the seller server device operated by the seller via the communication line at the first frequency.
The first instruction signal instructing to transfer the price from the purchaser's account opened in the financial institution specified by the request signal to the account of the settlement agency company opened in the financial institution. To the first server device operated by the financial institution via the communication line at the second frequency, and the first instruction means.
Remittance of the price from the account of the settlement agent company opened in the financial institution selected by the processing device to the account of the seller opened in the financial institution set by the seller. A second instruction means for transmitting an instruction second instruction signal to the second server device operated by the selected financial institution via a communication line at a third frequency.
A storage means for storing the balances of accounts of a plurality of financial institutions held by the settlement agency, and
Balance adjustment means for executing remittance from the account of one financial institution having a balance exceeding the upper limit to the account of another financial institution having a balance below the lower limit among the accounts of a plurality of financial institutions held by the settlement agency. When,
Equipped with
Moreover,
The second server device
The processing device, which receives a request signal requesting that the payment be made on behalf of the seller server device operated by the seller at the first frequency, instructs the remittance via the communication line. A receiving means for receiving the second instruction signal indicating that the second instruction signal is to be performed at a third frequency, and
The seller opened by the financial institution or a financial institution different from the financial institution from the account of the settlement agency company opened in the financial institution operating the second server device according to the second instruction signal. As a means of sending money to the account of
Equipped with
The first frequency is once or more times a week, once or more times a month, once or more times a quarter, once or more times a year, and once or more times in a certain cycle. Selected from the including group, constant or variable,
The third frequency is once or more times a week, once or more times a month, once or more times a quarter, once or more times a year, and once or more times in a certain cycle. A communication system that is selected from the including group and is constant or variable. 16. The communication system according to claim 16, wherein the communication line includes at least one of an Internet, a mobile communication network, and a fixed communication network. The communication system according to claim 16 or 17 , which includes a CPU. It is a method of using a processing device operated by a settlement agency that acts as a proxy for payment of payments between a purchaser and a seller on a substantially regular basis.
A reception stage in which a request signal requesting that the payment be made on behalf of the server device operated by the seller is received via the communication line at the first frequency.
The first instruction signal instructing to transfer the price from the purchaser's account opened in the financial institution specified by the request signal to the account of the settlement agency company opened in the financial institution. Is transmitted to the server device operated by the financial institution via the communication line at the second frequency, and the first instruction stage.
Remittance of the price from the account of the settlement agent company opened in the financial institution selected by the processing device to the account of the seller opened in the financial institution set by the seller. A second instruction step of transmitting an instruction second instruction signal to a server device operated by the selected financial institution via a communication line at a third frequency.
A storage stage for storing the balances of accounts of a plurality of financial institutions held by the settlement agency, and
Balance adjustment stage to execute remittance from the account of one financial institution with a balance above the upper limit to the account of another financial institution with a balance below the lower limit among the accounts of a plurality of financial institutions held by the settlement agency. When,
Including
The first frequency is once or more times a week, once or more times a month, once or more times a quarter, once or more times a year, and once or more times in a certain cycle. Selected from the including group, constant or variable,
The second frequency is once or more times a week, once or more times a month, once or more times a quarter, once or more times a year, and once or more times in a certain cycle. Selected from the including group, constant or variable,
The third frequency is once or more times a week, once or more times a month, once or more times a quarter, once or more times a year, and once or more times in a certain cycle. A method of use characterized in that it is selected from the including group and is constant or variable. 19. The method of use according to claim 19 , wherein the communication line comprises at least one of the Internet, a mobile communication network and a fixed communication network. The processing device includes a CPU, Use according to claim 19 or claim 20. It is operated by a processing device operated by a payment agency that acts as a proxy for payment of payments between the purchaser and the seller on a substantially regular basis , and by a financial institution connected to the processing device via a communication line. A method of using a communication system including a first server device.
A reception stage in which the processing device receives a request signal requesting that the payment be made on behalf of the seller server device operated by the seller via the communication line at the first frequency.
The processing device instructs to transfer the price from the purchaser's account opened in the financial institution specified by the request signal to the account of the settlement agency company opened in the financial institution. A first instruction step of transmitting a first instruction signal to be transmitted to the first server device operated by the financial institution via a communication line at a second frequency.
The processing device pays the price from the account of the settlement agency company opened in the financial institution selected by the processing device to the account of the seller opened in the financial institution set by the seller. A second instruction step of transmitting a second instruction signal instructing the remittance to the second server device operated by the selected financial institution via a communication line at a third frequency.
A storage stage in which the processing device stores the balances of accounts of a plurality of financial institutions held by the settlement agent company, and
The processing device transfers money from the account of one financial institution having a balance above the upper limit to the account of another financial institution having a balance below the lower limit among the accounts of a plurality of financial institutions held by the settlement agent. The balance adjustment stage to be executed and
The first server device communicates from the processing device that receives a request signal requesting that the payment be made on behalf of the seller server device operated by the seller via the communication line at the first frequency. a receiving step of receiving said first indication signal indicating that instructs the transfer through the channel in the second frequency,
A remittance stage in which the first server device remits the price from the purchaser's account to the account of the payment agent company according to the first instruction signal.
Including
The first frequency is once or more times a week, once or more times a month, once or more times a quarter, once or more times a year, and once or more times in a certain cycle. Selected from the including group, constant or variable,
The second frequency is once or more times a week, once or more times a month, once or more times a quarter, once or more times a year, and once or more times in a certain cycle. A method of use characterized in that it is selected from the including group and is constant or variable. 22. The method of use according to claim 22, wherein the communication line includes at least one of the Internet, a mobile communication network, and a fixed communication network. 22 or 23. The method of use according to claim 22, wherein the server device operated by the financial institution includes a CPU. It is operated by a processing device operated by a payment agency that acts as a proxy for payment of payments between the purchaser and the seller on a substantially regular basis, and by a financial institution connected to the processing device via a communication line. A method of using a communication system including a second server device.
A reception stage in which the processing device receives a request signal requesting that the payment be made on behalf of the seller server device operated by the seller via the communication line at the first frequency.
The processing device instructs to transfer the price from the purchaser's account opened in the financial institution specified by the request signal to the account of the settlement agency company opened in the financial institution. the first indication signal, a first instruction step of transmitting to the first server device operated by the financial institution via the communication line at a second frequency of,
The processing device pays the price from the account of the settlement agency company opened in the financial institution selected by the processing device to the account of the seller opened in the financial institution set by the seller. a second instruction signal instructing to remit, and a second instruction step of transmitting to the second server device operated by the selected financial institution via the communication line at a third frequency,
A storage stage in which the processing device stores the balances of accounts of a plurality of financial institutions held by the settlement agent company, and
The processing device transfers money from the account of one financial institution having a balance above the upper limit to the account of another financial institution having a balance below the lower limit among the accounts of a plurality of financial institutions held by the settlement agent. The balance adjustment stage to be executed and
The second server device communicates from the processing device that receives a request signal requesting that the payment be made on behalf of the seller server device operated by the seller via the communication line at the first frequency. A reception stage in which the second instruction signal indicating that the remittance is instructed via the line is received at a third frequency, and
According to the second instruction signal, the second server device is opened from the account of the settlement agency company opened in the financial institution that operates the second server device, by the financial institution or a financial institution different from the financial institution. The remittance stage of remitting the price to the opened account of the seller, and
Including
The first frequency is once or more times a week, once or more times a month, once or more times a quarter, once or more times a year, and once or more times in a certain cycle. Selected from the including group, constant or variable,
The third frequency is once or more times a week, once or more times a month, once or more times a quarter, once or more times a year, and once or more times in a certain cycle. A method of use characterized in that it is selected from the including group and is constant or variable. 25. The method of use according to claim 25 , wherein the communication line includes at least one of the Internet, a mobile communication network and a fixed communication network. The server device operated by financial institutions including CPU, Use according to claim 25 or claim 26. Computer,
It is a means included in a processing device operated by a settlement agent company that acts on behalf of a substantially regular payment between a purchaser and a seller.
A receiving means for receiving a request signal requesting that the payment be made on behalf of the server device operated by the seller via the communication line at the first frequency.
The first instruction signal instructing to transfer the price from the purchaser's account opened in the financial institution specified by the request signal to the account of the settlement agency company opened in the financial institution. Is transmitted to the server device operated by the financial institution via the communication line at a second frequency, the first instruction means.
Remittance of the price from the account of the settlement agent company opened in the financial institution selected by the processing device to the account of the seller opened in the financial institution set by the seller. A second instruction means for transmitting an instruction second instruction signal to a server device operated by the selected financial institution via a communication line at a third frequency.
A storage means for storing the balances of accounts of a plurality of financial institutions held by the settlement agent company,
Balance adjustment means for executing remittance from the account of one financial institution having a balance above the upper limit to the account of another financial institution having a balance below the lower limit among the accounts of a plurality of financial institutions held by the settlement agency. ,
To function as
The first frequency is once or more times a week, once or more times a month, once or more times a quarter, once or more times a year, and once or more times in a certain cycle. Selected from the including group, constant or variable,
The second frequency is once or more times a week, once or more times a month, once or more times a quarter, once or more times a year, and once or more times in a certain cycle. Selected from the including group, constant or variable,
The third frequency is once or more times a week, once or more times a month, once or more times a quarter, once or more times a year, and once or more times in a certain cycle. A computer program selected from the including group and characterized by being constant or variable. 28. The computer program of claim 28 , wherein the communication line comprises at least one of the Internet, a mobile communication network and a fixed communication network. The processing device includes a CPU, a computer program according to claim 28 or claim 29.

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