JP2001117986A - Method for commercial transaction on internet and identity confirming method related to the method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable even a user, who is concerned about security, to utilize a method at ease. SOLUTION: When reserving a seat from a user terminal 12 through the Internet 11 with a seat reserving device 14 for airplane tickets, an ID number for identity confirmation is inputted from the user terminal 12. The ID number is stored in the PNR of a host computer 141 together with reservation information, and the reservation information and ID information are transferred through a dedicated line 15 to a boarding ticket issuing device 13 and stored in a storage means 132. When the user inserts the card of an account non-settled system, on which the ID number inputted at the time of reservation is described, into the boarding ticket issuing device 13 on the day of boarding, a collating means 131 collates the number the inserted card with the ID number stored in the storage means 132 and when these numbers are matched, on the basis of the reservation information, the boarding ticket issuing device 13 issues a boarding ticket. The account non-settled card is a driving license, a health insurance card, a point card or a enterprise ID card and is not related to the account number of bank so that the user can use the card at ease.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a personal identification (identification) method related to commercial transactions on the Internet and a commercial transaction method using the same.
In addition, the present invention relates to an identity verification (identification) method and a commercial transaction method when a seat reservation such as a theater admission ticket is made via the Internet.

[0002]

2. Description of the Related Art Today, the aviation industry is developing a ticketless service. In order for the user to receive the service, the credit card type and number or the cash card account number must be registered in advance with the seat provider such as an airline at the time of seat reservation, and This is a system in which a user presents the card itself to an attendant at an airport or a ticket office when boarding, and the identity is confirmed and the boarding pass is received. The boarding pass fee is settled on a predetermined date from a predetermined bank account associated with the credit card or cash card used for identity verification.

[0003] In the aviation industry, a couponless service is also provided. In this service, a credit card is used for identity verification. A coupon is an airline ticket that is charged to a company, not an individual, in a postpaid manner on a monthly basis after boarding.On the other hand, the couponless service is a coupon service. It is a ticketless service. In other words, in the couponless service, a user receives a reserved airline ticket (boarding pass) at the time of boarding at an airport or the like, and the system is billed to a company instead of an individual on a monthly basis. Therefore, in this service, the credit card presented is used only for identity verification, and the user notifies the seat provider of the credit card number at the time of seat reservation,
The card is presented to the attendant to confirm the identity on the day of boarding.

[0004]

As described above, in the ticketless service and couponless service, the type and type of credit card or cash card are used as information for confirming the user himself / herself when making a seat reservation. By registering the number and presenting the card to the attendant on the day of boarding, etc., the identity is verified and the boarding pass is given to the user. Such service systems are:
This is an extremely effective system because both the user and the seat provider can make a seat reservation via the Internet and can settle the usage fee by electronic settlement. However, these services have the following problems. That is,
The electronic payment program is usually programmed so that payment-related information such as a user's cash card number or the like is not sent from the payment side such as a bank to the seat provider side. Therefore, in order to confirm the identity of the passenger, the seat provider must provide his / her credit
It is necessary to obtain a card or cash card number, but some users worry about security at the seat provider and on the Internet,
In some cases, he or she may hesitate to notify the seat provider of the type and number of the card or cash card and register, or may not give the number at all.

[0005] Therefore, it is difficult for users who are concerned about such security to develop ticketless services and couponless services, which is one of the factors that hinders the expansion of users of these services. SUMMARY OF THE INVENTION The present invention has been made in view of the above-described problems of the conventional example, and has as its object the purpose of providing peace of mind to merchandise distributors such as seat providers and users who are concerned about security on the Internet. It is an object of the present invention to provide a method of verifying an identity related to a commercial transaction and a commercial transaction method using the method.

[0006]

In order to achieve the above object, the present invention is carried out in a buyer computer and a merchant computer connected to the Internet, and a merchandise selling apparatus connected to the merchant computer. In an identity verification method related to commerce, when a buyer computer accesses a merchant computer via a network to make a product purchase reservation, an ID number for verifying the identity of the purchaser uses a card other than a payment system. Inputting the number of a certain non-settlement card into the buyer computer, transmitting the input ID number from the buyer computer to the merchant computer and storing the same, and transmitting the stored ID number from the merchant computer Product sales Sending apparatus, a storage step of storing in the storage unit of the goods selection apparatus, when receiving a commodity purchaser has subscribed, entered during purchase reservation ID
Requesting the presentation of the card with the indicated number, reading the number of the presented card, and collating the read card number with the ID number stored in the storage unit of the merchandise sales device And the result of the match,
A determination step of determining that the user is the principal when both numbers match.

Further, according to the present invention, in a buyer computer and a merchant computer connected to the Internet, and a commercial transaction method performed in a merchandise selling device connected to the merchant computer, the buyer computer sends the merchant computer via the network. When accessing the merchant computer to make a product purchase reservation, inputting the number of a non-settlement type card, which is a non-settlement type card, to the buyer computer as an ID number for confirming the purchaser himself;
Transmitting the input ID number from the buyer computer to the merchant computer and storing the ID number together with the reservation information; and transmitting the stored ID number from the merchant computer to the merchandise vending device to store the merchandise sales device. A storage step of storing in the unit, a step of requesting the presenter to present a card indicating the ID number input at the time of reservation for purchase of the commodity when the purchaser receives the reserved commodity, and a reading step of reading the number of the presented card. A collating step of collating the read card number with an ID number stored in the storage unit of the merchandise vending apparatus; and, when the collation results in a match between the two numbers, determining that the user is the principal. Step, a step of selling a product from the product vending device, and a step of storing the product stored in the storage of the merchant computer. Based on the number and reservation information, it is characterized in that it consists of a step of performing a settlement of the commodity price.

[0008] The above-mentioned products include a boarding pass, a designated train ticket,
Theater appreciation tickets and the like are preferred, but any type of product may be used as long as it is a product that can be pre-ordered on the Internet. Further, the non-settlement type card is preferably a public institution card such as a license issued by a public institution, a point card such as a mileage card, or a company ID card set in advance to the company to which the purchaser belongs. .

[0009]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 shows a conceptual diagram of a boarding pass seat reservation system 10 according to one embodiment, which can execute an identity verification method of the present invention. In FIG. 1, 11
Is the Internet, 12 is a user terminal such as a personal computer or a mobile phone (ie, buyer computer)
And payment software such as WALLET is installed. 13 and 14 are devices on the seat provider side,
13 is a boarding pass issuing device arranged at an airport or the like, and 14 is a seat reservation device (that is, a merchant computer). The seat reservation device 14 is connected to the boarding pass issuing device 13 via a dedicated line 15. The user terminal 12
It is connected to the seat reservation device 14 via the Internet 11. Reference numeral 16 denotes a payment server (that is, a payment computer) such as a bank affiliated to the seat reservation system 10, which is composed of, for example, a SET server, a SECE server, or a PIN-Based Debit server. Via the user terminal 1
2 and the seat reservation device 14. The boarding pass issuance device 13 includes a collating unit 13 for reading and collating a card number, which is a proof of identity verification presented by the user, for collation.
1 and storage means 132 for storing reservation information and ID information. The seat reservation device 14 includes a host computer 141, an account server 142, and a WWW.
The server 143 is included.

The seat reservation processing and the boarding pass issuance processing at an airport or the like in the seat reservation system 10 having such a configuration will be described below with reference to the flowcharts of FIGS. (A) Seat Reservation (FIG. 2) The seat reservation process is performed by the user accessing the homepage of the WWW server 143 of the seat reservation device 14 from the user terminal 12 via the Internet 11 in step S1 of FIG. Be started. And step S
In 2, the WWW server 143 performs interactive communication with the user terminal 12 and performs a seat reservation process with respect to the host computer 141 holding the seat inventory data. In the seat reservation processing, the seat reservation device 14 obtains, from the user terminal 12, reservation information such as a user name (one or more), boarding date and time, flight number, section, amount, and user contact information. .

[0011] Then, at the time of issuing a boarding pass later, the WWW server 143 sends the user terminal 12 to the user terminal 12 to confirm the identity of the user in the boarding pass issuing device 13 at the airport or the like, in order to confirm the identity of the user. Is required to enter an ID number. This ID number can be i) the number of a credit card, cash card, etc. (certifying as a "payment card"), or ii) a license issued by a public institution,
Certificates such as social insurance cards and health insurance cards, point cards such as mileage cards, and company ID cards displaying ID numbers preset for the company by the seat provider (certify as "non-settlement cards") ) Number. WWW
The server 143 informs the user terminal 12 of these types (that is, whether the card is a payment card or a non-payment card, and if the payment card is a bank card or a credit card). , A non-settlement type card, etc.), and a request to input the number as an ID number.
In response to the input request of the ID number, in step S4, the user inputs the ID number and the type (ID) from the user terminal 12.
Information), in step S5, the WWW server 143 processes it and, together with the reservation information obtained in step S2, the PN of the host computer 141.
It is stored in R (Passenger Name Record).

Note that the ID numbers to be input do not necessarily need to be all the numbers in the payment card or the non-payment card. For example, in accordance with an instruction from the WWW server 143 or by the user's selection, upper several digits, lower several digits,
Alternatively, an intermediate number may be selected and input. Alternatively, it is possible to input only the numbers of these cards and eliminate the need for inputting the types thereof. Further, it is also possible to use only non-settlement cards for identity verification.
Next, in step S6, the WWW server 143 sends the user name, the boarding date and time, the flight number of the aircraft, the user's contact information, the ID number and its type to the user terminal 12.
Transmit the boarding pass fee and other additional information such as mileage points for user confirmation, and
In 7, when the user returns the confirmed signal, the account server 142 of the seat reservation device 14 instructs the settlement server 16 to settle the usage fee. As a result, the settlement server 16 activates the settlement software 121 of the user terminal 12 to perform the settlement, and withdraws the use price from the predetermined account of the user. When the settlement is completed, the settlement server 16 sends a settlement completion signal to the seat reservation device 14, and in step S8, the seat reservation device 14 transmits the reservation information and the ID information stored in the PNR to the boarding pass via the dedicated line 15. The seat reservation processing is completed by transferring the data to the issuing device 13 and storing it in the storage unit 132. When the user selects the number of the payment card at the time of reservation as the ID number for personal identification, payment can be made based on the payment card.

(B) About issuance of a boarding pass (FIG. 3) In the process of issuing a boarding pass, as shown in step S10, the user goes to an airport or a ticket office on the day of the boarding day, and the boarding pass issuing device 13 In addition, appropriate information in the reservation information (for example,
Passenger name, date and time of use, and flight), and insert a payment card or non-payment card with the ID number entered at the time of reservation into the insertion slot (not shown) of the boarding pass issuing device 13. It is started by inserting.
Then, in step S11, the boarding pass issuing device 13
The collating means 131 optically reads the number of the inserted card, and in step S12, the I transmitted from the seat reservation device 14 in advance and stored in the storage means 132
The D number is compared with the read number. If the card has a magnetized ID number, magnetic reading means may be used. If the collation means 131 determines that the two are collated, the boarding pass issuing device 13 transmits the data in advance from the seat reservation device 14 to the storage device 1 in step S13.
A boarding pass is issued on the basis of the reservation information stored in 32.

As described above, at the time of reservation, all digits of the number, upper several digits, lower several digits, or intermediate digits are designated by the user, and the digits are transmitted from the seat reservation device 14 together with the number and stored. Therefore, the number of the corresponding digit in the number read by the matching unit 131 can be compared with the stored number. Further, if the card is a payment card or a non-payment card to which a code for identifying the type is added, the type can also be automatically read and compared with the stored information. When such a type identification code is not added, verification is performed only on the card number. If necessary, the reservation information and ID information of the boarding pass issuance device 13 are displayed on a monitor screen, and a clerk can display the ID information displayed on the monitor and the card I presented by the user.
You may collate with D information. Further, the attendant manually inputs the ID information of the card presented by the user to the boarding pass issuing device 13, and the matching unit 131 compares the input information with the information stored in the storage unit 132. You may.

In the seat reservation system 10 described above, when a user selects a non-settlement-related card number as an ID number, payment software such as WALLET is installed in the user terminal 12 so that when a boarding pass is reserved, Although the payment is configured to be completed, the payment need not always be performed at the time of seat reservation. For example, a company whose boarding use frequency is high is a company I on which a preset ID number is displayed by a couponless service contract with the seat provider side.
Holds D card. The number of the company ID card includes the company ID number and the ID number of an individual in the company. If you are an employee of such a company, you can use the number on the company ID card as an ID number to confirm the identity of the user. However, in the case of the couponless service, settlement is performed on a monthly basis, There is no payment at the time of booking. Therefore, when the user uses the company ID card for identification, the usage fee stored in the PNR of the seat reservation device 14 is totaled and charged on a monthly basis, and the settlement at the time of reservation is performed. Absent.

In the above description, the method of confirming the identity in the boarding pass seat reservation system has been described. However, the reservation of seats for Shinkansen and limited express trains, the reservation of seats for viewing tickets such as theater shows, or the reservation sale of any other products , The same personal identification method and commercial transaction method as in the case of boarding pass reservation can be adopted. In addition, it goes without saying that the identity verification method and the commercial transaction method according to the present invention can also be applied to a case where a product is delivered to a reservation person in exchange for a fee. Still further, an ID number independently selected by the user may be used as the ID number of the non-settlement card. In this case, it is preferable that the user can create a card on which the ID number is displayed on the front side so that optical reading by the collating means can be performed on the day of use or the like.

[0017]

According to the personal identification method of the present invention,
As described above, a public institution certificate such as a license and a non-settlement card such as a company ID card can be used for identity verification. Even the user can inform the seat provider side of the number of the non-settlement system card with confidence. In particular, since certificates and the like issued by public institutions can be used as non-settlement cards for identity verification, people who do not have settlement cards and points / points issued by product providers Even a person who does not have a card or the like can make a product purchase reservation on the Internet, and further increase the number of ticketless service users. In addition to the numbers of non-settlement cards, the numbers of settlement cards such as credit cards and cash cards are used for I
By making it possible to select as the D number, the number of ticketless service users can be expanded. Furthermore, when a company ID card for couponless service is used for identity verification, the number of the company ID card includes the company ID number as well as the company ID number. Then, the company can check the users.

[Brief description of the drawings]

FIG. 1 is a block diagram of a seat reservation system according to one embodiment of the present invention, which is capable of executing an identification method related to seat reservation.

FIG. 2 is a flowchart showing a process at the time of seat reservation in the seat reservation system shown in FIG.

FIG. 3 is a flowchart showing a process when a boarding pass is issued in the seat reservation system shown in FIG. 1;

Claims (12)

[Claims] 1. A buyer connected to the Internet.
In a computer, a merchant computer, and an identification method related to a commercial transaction performed in a merchandise selling device connected to the merchant computer, when a merchant computer is accessed from a buyer computer via a network to make a product purchase reservation Inputting the number of a non-settlement type card, which is a non-settlement type card, into the buyer computer as an ID number for confirming the identity of the buyer; and inputting the input ID number from the buyer computer to the merchant computer And transmitting the stored ID number from the merchant computer to the merchandise vending device and storing the ID number in the storage unit of the merchandise vending device. , Product purchase A step of requesting the presentation of a card indicating the ID number input at the time of the reservation, a reading step of reading the number of the presented card, and the number of the read card is stored in the storage unit of the product sales device. A personal identification method, comprising: a collation step of collating with an ID number; and a decision step of determining that the user is the principal when both numbers match as a result of the collation. 2. The method according to claim 1, wherein:
A personal identification method, wherein the product is a boarding pass and the product sales device is a boarding pass vending device. 3. The personal identification method according to claim 1,
An identity verification method, wherein the product is a designated train ticket or a theater appreciation ticket. 4. The personal identification method according to claim 1, wherein the non-settlement type card is a public institution type card issued by a public institution. 5. The identity verification method according to claim 1, wherein:
A non-settlement type card is a point card. 6. The personal identification method according to claim 2,
A personal identification method, wherein the non-settlement card is a company ID card that holds a company ID number preset for the company to which the purchaser belongs. 7. A buyer and a merchant computer connected to the Internet, and a commercial transaction method performed on a merchandise selling device connected to the merchant computer, wherein the buyer computer accesses the merchant computer via a network. Inputting the number of a non-settlement type card, which is a non-settlement type card, into the buyer computer as an ID number for confirming the purchaser at the time of making a product purchase reservation; A step of transmitting from the buyer computer to the merchant computer and storing it together with the reservation information; and a step of transmitting the stored ID number from the merchant computer to the merchandise vending apparatus and storing it in the storage unit of the merchandise vending apparatus. And a step of requesting the presenter to present a card on which the ID number entered at the time of the commodity purchase reservation is received when the purchaser receives the reserved commodity; a reading step of reading the presented card number; and a read card. A collation step of collating the ID number with the ID number stored in the storage unit of the merchandise vending apparatus; a collation step of judging that the user is the principal when both numbers match as a result of the collation; Selling the product from the device, and the ID stored in the storage of the merchant computer
A step of performing a settlement of the product price based on the number and the reservation information. 8. The business transaction method according to claim 7, wherein the product is a boarding pass, and the product sales device is a boarding pass release device. 9. The business transaction method according to claim 7, wherein the commodity is a designated ticket for a train or a theater admission ticket. 10. The commercial transaction method according to claim 7, wherein the non-settlement card is a public institution card issued by a public institution. 11. The business transaction method according to claim 7,
A commercial transaction method, wherein the non-settlement card is a point card. 12. The method according to claim 8, wherein
The non-settlement system card is a company ID card set in advance to the company to which the purchaser belongs, and is a business transaction method.