JP2001117981A - Safe selling/account settling method for internet - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a much safer account settling method in the case of risky selling on a computer network such as Internet. SOLUTION: A user A accesses a selling server B connected to the Internet and sends information on an article to order and the destination to send. In the selling server B, these contents are recorded on an order table C and an order key strung to these contents is generated and reported to the user. While using a response server D capable of payment of a call tariff adding service while using the order key or terminal (or software) E capable of direct payment while using the order key, the user A performs account settling processing together with the order key received from the selling server. Thus, selling on the Internet is possible without making the information of a card number flow onto the Internet.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to online sales and settlement using the Internet.

[0002]

2. Description of the Related Art Mental resistance to performing payment using a card on the Internet is great. Even if security technology develops, the technology that breaks it will also develop, and the Internet security will not be sufficient. Anxiety about card payments on the Internet lies in the point of sending card numbers to the Internet. Card numbers are intercepted and the reliability of the card payment site itself is also a problem, and card numbers are misused. There is danger.

[0003] As a method for solving this problem, there are prepaid cards that can be used for Internet shopping,
There is a toll collection method using the 900 dial in the United States.

In the case of a prepaid card, 30
It is necessary to purchase a card in a unit such as 00 yen or 5000 yen, and there is a problem that it is not possible to settle the purchased product.

[0005] In the United States, there is also a payment by dialing 900 (telephone charge addition type service). This is a method of making a telephone call to dial 900 at the time of payment processing on the Internet. Since the connecting person is using the telephone line connected to the provider, it is necessary to temporarily disconnect the connection. In order to alleviate these complicated operations, dedicated software is installed in the user's computer. However, putting software on the client side imposes a burden on the user's computer.
Also, as similar services increase, users who want to use these services need to put the software of each company on their own machines. If possible, it is better not to need special software.

[0006] The method such as an electronic wallet imposes the same burden as the above-mentioned service because dedicated software is introduced into a user's personal computer.

[0007]

[Problems to be Solved by the Invention] In sales and settlement on the Internet, users can make shopping without sending their credit card number to the Internet, and do not need extra money like a prepaid card for payment. Provide safe and convenient sales and settlement methods that do not require software to be installed on users' personal computers.

[0008]

A user A (purchaser) transmits necessary products and their destinations (e-mail addresses, addresses, etc.) as order information to a sales server B via the Internet. The sales server B records the order information in the order table C, and notifies the user A of the unique order key associated with the order information together with the reception confirmation of the order processing. The order key is a several-digit number including the serial number and the password information. The reason for including the password information is to prevent others from easily generating the order key and observing the contents of the order. The user A transcribes the information by rewriting the order key or by printing the contents on which the order key is displayed. If the e-mail address is specified, the sales server B can notify the order key by e-mail for the purpose of confirmation.

[0009] After receiving the order key, user A
Payment processing is performed using a payment server D capable of performing payment by the telephone charge adding service using the order key or a dedicated payment terminal (or computer software) E capable of performing direct payment using the order key.

[0010] When the telephone charge addition type service is used,
When the user A calls the telephone number of the telephone charge adding type service provided by the communication carrier, the exchange uses the payment server D.
And user A are connected. The payment server D plays a voice announcement requesting the user to input an order key, and waits for the input of the order key. The user A sends out the order key from the telephone terminal according to the announcement of the payment server D.
Payment server D, based on the order key, order table C
From among the applicable order information (product information, total price, etc.)
And read this information by voice announcement to User A
And a voice announcement requesting payment approval to the user A. When the user A approves the payment, the payment server D writes the payment information in the place corresponding to the order key in the payment table, and sends the product destination G to the product provider G that provides the ordered product. -Notify the order product information. The product provider G sends the product to the destination according to the notification. The product provider G receives the product price from the communication carrier.

When using a terminal capable of direct payment,
User A goes to the cash register of the store and tells the store clerk the order key. The clerk inputs the order key to the payment-only terminal E. The payment terminal E reads information such as product information and total price corresponding to the order key from the order table C, and displays the information on the screen (or announces voice). User A
Confirms this and pays at the cash register. The payment is,
As with regular shopping at stores, cash and cards are used. In a store, there is a sense of security regarding payment, and there is little psychological resistance of the user. When the payment is completed, the clerk inputs the payment completion to the payment terminal E. Payment terminal E
Writes the payment information in the portion corresponding to the order key of the payment table F by the input indicating the payment completion, and notifies the product provider G, which provides the ordered product, of the product destination and the ordered product information. I do. The product provider G sends the product to the destination according to the notification. Product Provider G
Receives the product price from the store and collects the price.

[0012]

FIG. 1 shows an embodiment of the present invention. A is a user, B is a sales server, C is an order table, D is a payment server, E is a payment-only terminal, F is a payment table,
G is a product provider.

A user A (purchaser) uses a WWW browser or the like to connect to a sales server B via the Internet.
The necessary product and its destination (e-mail address, address, etc.) are transmitted as ordering information. Sales server B
Order information and a unique order key associated with the order information are stored in an order table C constructed by a database or the like. The order key is a several-digit number including the serial number and the password information. The reason for including the password information is to prevent others from easily generating the order key and observing the contents of the order. Also, by generating a list of numbers only, a payment service using a telephone, a POS
Input at a cash register such as a system is possible.
After completing the writing in the order table C, the sales server B notifies the user A of the order key. It would be convenient to display an order key, a detailed description of a payment method, and the like as a response when the order button is pressed on a screen in the WWW browser. If an e-mail address is entered, an order key can be sent to this address for confirmation. The user A transcribes the information by rewriting the order key or by printing the contents on which the order key is displayed.

[0014] After receiving the order key, user A
Payment processing is performed using a response server D capable of performing payment by the telephone charge adding service using the order key, or a dedicated terminal (or computer software) E capable of performing direct payment using the order key.

[0015] When using the telephone charge addition type service,
When the user A calls the telephone number of the telephone charge adding type service provided by the communication carrier, the exchange uses the payment server D.
And user A are connected. The payment server D plays a voice announcement requesting the user to input an order key, and waits for the input of the order key. The user A sends out the order key from the telephone terminal according to the announcement of the payment server D.
Payment server D, based on the order key, order table C
From among the applicable order information (product information, total price, etc.)
And read this information by voice announcement to User A
And a voice announcement requesting payment approval to the user A. For example, if the order content is "xx
In the case of "x PC, 3 PCs, 1 PC 100,000 yen", by voice announcement, "I bought 3 xxx PCs. The total will be 300,000 yen. Do you want to process the payment? Please "
Tell the user. If User A approves the payment,
Press the pound key on the phone, and if you do not accept, go on-hook the phone. To the last, the method of payment approval depends on the telecommunications carrier's telephone charge addition type service specification.

When the payment is approved, the payment server D
Goes to the place corresponding to the order key in payment table F,
The payment information is written and the product provider G that provides the ordered product is notified of the product destination and the ordered product information. The product provider G sends the product to the destination according to the notification. The communication carrier collects the price from the user and sends the product price to the product provider G.

When using a terminal capable of direct payment,
User A goes to the cash register of the store and tells the store clerk the order key. The clerk inputs the order key to the payment-only terminal E. The payment terminal E reads information such as product information and total price corresponding to the order key from the order table C, and displays the information on the screen (or announces voice). User A
Confirms this and pays at the cash register. The payment is,
As with regular shopping at stores, cash and cards are used. In a store, there is a sense of security regarding payment, and there is little psychological resistance of the user.

When the payment is completed, the clerk moves to the payment terminal E
Enter payment completed in. The payment terminal E writes the payment information into the portion corresponding to the order key of the payment table F in response to the input indicating the completion of the payment, and sends the product destination G and the ordered product to the product provider G that provides the ordered product. Notify information. The product provider G follows the notice,
Ship to the destination. The product provider G receives the product price from the store and collects the price.

If a function equivalent to this payment processing is incorporated in an ATM of a bank or a post office, the payment processing can be performed unattended, and the convenience is further improved.

[0020]

According to the present invention, in sales and settlement on the Internet, a user can make a purchase without sending a credit card number to the Internet, and does not require an extra amount of money such as a prepaid card for payment. It provides a safe and convenient sales and settlement method that does not require software to be installed on users' personal computers.

[0021] In particular, for the user, the payment process can be carried out using only the ordering key in a manner considered to be safe and convenient, so that it is convenient and there is a sense of security by using a store or ATM.

[Brief description of the drawings]

FIG. 1 shows an embodiment of the present system.

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Claims (3)

[Claims] 1. In sales and settlement on the Internet, a user (purchaser) transmits necessary products and their destinations as order information to a sales server via the Internet, and the sales server stores the order information in an order table. And a unique order key associated with this is generated as a several-digit number including the serial number and password information, and is notified to the user. A payment system is performed using a response system using a telephone charge addition type service as described in item 2 or a payment terminal as described in claim 3, and it is necessary for a user to send a credit card number to the Internet. There is no need for troublesome work such as membership registration when purchasing, and it is necessary to install dedicated software on the user's computer Sales liquidation method in the Internet, characterized in that the no. 2. A payment server for performing a payment process in a sales method according to claim 1 using a telephone charge addition type billing service of a telecommunications carrier or the like (see Japanese Patent Application Laid-Open No. 9-214640). When done
A voice announcement prompting the user to enter an order key is issued, and based on the order key sent from the user, a claim 1
When the user reads the information such as product information and total price from the order table shown in, and notifies by voice announcement, announces the payment approval by voice, and when the user approves, it corresponds to the order key in the payment table. A computer program having a function of performing a payment response using an order key according to claim 1, wherein payment information is written to a portion, and a product provider that provides the ordered product is notified of a product destination and ordered product information. 3. In a computer terminal for performing payment processing in the selling method of claim 1, when an order key is input, information such as product information and total price is read from an order table shown in claim 1, and displayed on a screen. Display (or voice announcement), and input indicating payment completion, the part corresponding to the order key in the payment table,
A computer program having a function of performing payment processing using an order key according to claim 1, wherein payment information is written, and a product provider that provides ordered products is notified of product destination and ordered product information.