JP2002117353A - Method and system for payment - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a new method for an electronic commercial transaction settlement in a communication system. SOLUTION: The method for payment is a method in which a user opens an account for payment in a system of an account administrator and preliminary depositing an optional amount of money; provides notification for payment of a charge from the opened account for payment, account identification information for identifying the account and authentication identification information for showing that the user is the owner of the account is reported when applying purchase of a commodity from a commodity seller; the account administrator is notified of the charge when the payment by the transaction is possible; and the account administrator subtracting the charge involved in the transaction from the user's account to pay for the commodity seller.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

TECHNICAL FIELD The present invention relates to the Internet,
Bidirectional broadcasting system, mobile phone or information terminal with communication function (PersonalDataAssist)
payment method and payment system in e-commerce when a user tries to use paid content or purchase a product in a virtual shop at various sites in a communication system such as an information processing system using ant) Belongs to the technical field.

[0002]

SUMMARY OF THE INVENTION An object of the present invention is to provide electronic commerce in a communication system such as the Internet, two-way broadcasting, a mobile phone, or an information processing system using an information terminal having a communication function. It is an object to provide a new method of settlement.

[0003]

2. Description of the Related Art In recent years, electronic commerce using the Internet, two-way broadcasting, a mobile phone, or an information terminal having a communication function has become popular.

[0004] As a method of paying the transaction price in these electronic commerce transactions, a credit card, a debit card,
Payments are made in exchange for goods, remittances from financial institutions, and payments at convenience stores.

[0005] On the other hand, electronic commerce includes a service for providing relatively small amounts of digital content such as music distribution, and a greeting mail service for celebration such as a birthday. For a music distribution service, the price is one song. 10
Since the price is from 0 yen to several hundred yen, there is a problem that the payment method provided conventionally lacks economy, operability, and convenience.

For example, in order to use a music distribution service of 100 yen per song to pay for the use of the music card with a credit card, the user must have a credit card, and therefore cannot have a credit card. Junior and senior high school students cannot use these services. On the other hand, if a credit card company used a credit card to pay a small transaction, such as 100 yen or 200 yen, the credit card company would not be able to use it. Since a large amount of money is required, such as a sending fee and a fund transfer of a financial institution, the payment method for these small transactions is not always sufficient for the user or the credit card company.

[0007] As one method of solving such a small payment in the electronic commerce, a settlement method using a prepaid card system is provided. The prepaid card for the electronic commerce includes a prepaid card on a network. For identification, a unique symbol number is described for each card, and it is possible to settle e-commerce by collating the unique symbol number with the prepaid card stored and managed in the system of the prepaid card issuer. I can do it.

According to this method, the user pays cash in advance from a seller of a prepaid card for electronic commerce (specifically, a convenience store entrusted by the seller) and purchases the card. This prepaid card has, for example, "A1B2C3" as a unique identification number.
A symbol number such as "D4E5F6" is described, while the symbol number "A1B2C3D4" of the prepaid card is provided in the system of the prepaid card issuer for electronic commerce.
E5F6 "and the amount" 1,000 yen "are registered, so when the buyer of the prepaid card intends to make a transaction of" 200 yen "on the Internet, the prepaid card for the purchased e-commerce transaction is When the unique symbol number “A1B2C3D4E5F6” described is input, the symbol number “A1B2C3D4E” of the prepaid card is entered.
For the prepaid card of "5F6", since the amount of money "1,000 yen" is registered in the system of the prepaid card issuer, the transaction price of "200 yen" is converted to the amount of "1,000 yen".
The payment is made by subtracting from the yen, and the balance of the prepaid card is rewritten to “800 yen”.

However, according to this method, the user must purchase the prepaid card in advance in exchange for cash from the seller and obtain a predetermined amount, for example, "1,000 yen" as described above. If the prepaid card is used up, and if "1,000 yen" has been used up, another prepaid card must be purchased in a similar manner.

[0010] In particular, this payment method using a prepaid card for electronic commerce is a unique method composed of a large number of digits in which different letters and numbers are mixed for each prepaid card for identifying the prepaid card and preventing duplication and fraud. The symbol number, for example, “A1B2C3D4E5F”
Due to the use of complex symbol numbers such as "6", every time a prepaid card is purchased, the user must enter a large number of different symbol numbers that cannot be memorized with ordinary memory ability at every transaction. Therefore, there is a problem that convenience such as re-inputting many times due to an input error is lacking.

[0011] Under such circumstances, it is highly convenient for users of small-scale e-commerce, which will increase in the future, and
There is a demand for providing an economical payment method for a product service provider and a payment agent.

[0012]

A means for solving the problem according to the present invention is a method of paying for a transaction using a communication system according to the first aspect of the present invention, wherein a user pays in advance. Account is set up in the account manager's system, an arbitrary amount of money is deposited, and when applying for the purchase of goods or the provision of services from a merchandise seller or a service provider, payment is made to the established payment account. And the account identification information for identifying the account and the authentication identification information indicating the account owner, and the merchandise seller or service provider notifies the account manager of the account specified by the user. Inquire if payment by is possible,
If the result of the inquiry is possible, sell the product or provide services to the user and notify the account manager of the price, and the account manager subtracts the price related to the transaction from the user's account. 2. A transaction settlement method according to claim 1, wherein payment is made to a merchandise seller or a service provider, and payment to the payment account according to claim 2 is made by a credit card. It is.

[0013] Further, a solution means according to claim 3 is a storage means for managing a payment account, a means for receiving a request for opening a payment account from a user's system, and a means for payment from a user's system. Means for requesting transmission of account identification information and authentication identification information for identifying an account for payment when receiving an account opening request, and a user's e-mail address; and the same as the account identification information transmitted by the user. Means for determining whether the account identification information already exists in the storage means, and using the account identification information and the authentication identification information when it is determined that the same account identification information does not exist as a result of the determination by the determination means. Means for temporarily registering a payment account; means for creating a formal registration screen for formal registration of the temporary registration of the payment account; and a call address for the created formal registration screen Means for generating a password, a means for notifying the call address of the generated formal registration screen to the user's e-mail address, and account identification information and authentication identification information entered by the user from the formal registration screen are provisionally registered. Means for comparing the account identification information of the payment account with the authentication identification information, and if the result of the matching by the matching means matches, the temporarily registered payment account is formalized from the temporary registration state. Claim 4 is a payment system comprising means for validating a temporary account as a formal payment account. The payment system according to claim 3, characterized in that the payment system is a means for updating to a flag, wherein the payment system is activated from a provisionally registered state as a formal payment account. Stage is a payment system according to claim 3, wherein, characterized in that the means or transferred replacing means rewrites the official registration storage area from the storage area for the provisional registration.

According to a sixth aspect of the present invention, there is provided a storage means for managing a payment account, a means for receiving a new payment account registration request from a user's system, and a use means from a user's system. Means for receiving a user's e-mail address, means for generating a call address for a new payment account registration screen, and means for transmitting the generated call address for a new payment account registration screen to the user's e-mail address. Means for receiving the account identification information and authentication identification information specified by the user on the new payment account registration screen, and whether the same account identification information as the account identification information specified by the user already exists in the storage means. Means for judging whether or not the account identification information and the authentication identification are determined when the same account identification information does not exist as a result of the judgment by the judgment means. And a means for newly registering a payment account using the information on the payment account, wherein the storage means for managing the payment account and the payment account from the user's system. Means for receiving the balance transfer request, account identification information, authentication identification information, the amount to be transferred, and the destination mail address from the user's system, and payment corresponding to the received account identification information from the storage means. Means for reading the authentication identification information of the user account, means for comparing the read authentication identification information with the authentication identification information transmitted by the user, and a case where the result of the matching by the authentication identification information matching means matches. Means for updating the balance of the payment account by subtracting the amount to be transferred from the balance of the payment account; means for registering the deducted amount as a temporary account; Means for generating temporary account identification information and temporary authentication identification information, means for creating a registration screen for registering the temporary account as a formal account, and means for generating call information for the registration screen, Means for notifying the generated call information, temporary account identification information, and temporary authentication identification information to the destination mail address; means for receiving temporary account identification information and temporary authentication identification information from a registration screen corresponding to the call information; Means for checking whether or not the provisional account identification information and provisional authentication identification information received from the registration screen match the provisional account identification information and provisional authentication identification information of the provisional account. Means for accepting the formal account identification information and the formal authentication identification information in the event that the Means for checking whether the same account identification information and authentication identification information exist; and a payment account provisionally registered using the account identification information and authentication identification information when the check result of the checking means does not exist. And a means for formally registering the payment account as a payment account at the transfer destination, wherein the storage means for managing the payment account and the payment account from the user's system. Means for receiving a transfer request for the balance, means for receiving account identification information, authentication identification information, the amount to be transferred, the mail address of the transfer destination, and account identification information of the transfer destination from the user's system; Means for reading the authentication identification information of the payment account corresponding to the account identification information, and comparing the read authentication identification information with the authentication identification information transmitted by the user; Means for subtracting the amount to be transferred from the balance of the payment account when the result of the matching by the matching means for the authentication identification information matches, and a payment account corresponding to the account identification information of the transfer destination. Means for checking whether or not there is, and means for transferring the deducted amount to the payment account of the account identification information of the transfer destination if the result of the check by the check means exists,
A payment system comprising means for notifying a transfer destination mail address of a transfer source user's mail address and the transferred amount.

[0015]

DESCRIPTION OF THE PREFERRED EMBODIMENTS In the embodiment of the present invention, a payment account is registered in a server of a payment account manager on the Internet, and a necessary amount is deposited in the payment account using a credit card. An example in which the payment method of the present invention is used for payment of a usage fee when a paid music distribution service is used on the Internet (Example 1), and a part of the balance of a payment account is given to another user. Example of transfer (Example 2)
Will be described.

FIG. 1 is an overall view of the system of the present invention.
10 is a communication terminal device used by the user, 11 is a communication terminal device used by another user who receives the value, and 1
Reference numeral 2 denotes the Internet, 13 denotes a processing device of a music distribution service provider system, 14 denotes a storage device for storing music data to be distributed, 14a denotes a title number entry column,
4b is a song title entry field, 14c is an artist name entry field, 1
4d is a delivery unit price entry field, 14e is a data size entry field,
14f is a release date entry field, 15 is a processing device of the system of the administrator of the payment account, 16 is a storage device for storing the payment account, 16a is an ID number entry field of the payment account, and 16b is a password. In the description field, 16c is an expiration date description field, 16d is a value description field, 16e is a flag, 17 is a storage device for storing a temporary account of a payment account,
17a is a temporary ID number entry field, 17b is a temporary password entry field, and 17c is a value entry field.

[0017]

First Embodiment First, a user connects to the Internet 12 using a communication terminal device 10, and then accesses a payment account manager system 15 to register a payment account in order to open a new payment account. From the payment screen,
"ABC001" arbitrarily determined by the user as the D number
And "T
ARO99 "and the E-MAIL address" taro @ a
bc. ne. jp ".

From the registration screen of the payment account, the ID number “ABC001” of the account designated by the user and the password “TA”
RO99 ", E-MAIL address" taro @ ab
c. ne. In the system 15 of the administrator of the payment account that has received the application for the new registration of the payment account together with “jp”, the ID number “ABC001” and the password “TARO99” of the account designated by the user have already been registered as the payment account. It checks whether or not it exists, and notifies the user who applied that new registration of the account cannot be performed, and terminates the processing.

The account ID number designated by the user "ABC
001 ”and password“ TARO99 ”are not registered as payment accounts, the ID number“ ABC001 ”specified by the user and the password“ TAR99 ”
A payment account corresponding to "O99" is newly created, the status flag 16e is set to "OFF", and the registration is temporarily registered in the storage means 16, and a formal registration screen for formal registration of the temporarily registered payment account is created. URL address for calling that can be accessed only by the user who made the application “http: //www.kan
rishya.co.jp/ABC001 ".

Then, the payment account manager system 15 allows the user to formally register the provisionally registered payment account with the URL address "http: //kanrishya.co.jp/ABC00
1 / ”is described and the E-MAIL is transmitted to the user.

The user who has received the e-mail for the formal registration from the payment account manager system 15 receives the URL address “http: /” described in the e-mail.
/kanrishya.co.jp/ABC001/ ”, the formal registration screen of the payment account manager's system will be called, and the formal registration screen will contain the account ID number entered by the user at the time of registration application. A field for inputting a password is provided, and the user inputs an account ID number “ABC001” and a password “TARO99”.

In the system 15 of the administrator of the payment account,
It is checked whether the account ID number “ABC001” and the password “TARO99” entered by the user from the formal registration screen match the temporarily registered ID number and password. Set the status flag of the registered payment account to “ON” to complete the formal registration procedure. If they do not match, re-enter the ID number and / or password or cancel the formal registration procedure and proceed. To end.

As another method for a user to newly register a payment account, first, the user is notified of his / her own e-mail address, requests the payment account manager's system for new registration, and A URL address for calling a screen for new registration of a payment account is transmitted from the system of the account manager for the user to the e-mail address of the user, and the user who receives it calls the screen of the URL address. Then, the user can specify the ID number and password of the payment account arbitrarily determined, confirm that there is no duplicate registration of the payment account, and perform the new registration processing of the payment account.

In this way, the user can formally register his / her ID account “ABC001” and password “TARO99” in the payment account manager system 15, but the payment account has Since payment has not yet been made, it cannot be used for payment of the transaction price as it is, so the user must deposit the required amount in the payment account.

As a method of depositing money into the payment account, in addition to a method of depositing cash with a cashier at a counter at a convenience store or the like to which the administrator of the payment account is affiliated, a method of depositing credit from the system of the administrator of the payment account is used. There is also a method of depositing using a card.

When depositing using a credit card, the user accesses the system of the administrator of the payment account, and the ID number of the payment account to be deposited is “ABC001”.
And then input the desired deposit amount "5,000 yen" and the credit card number or the number corresponding to the credit card number.

In the system of the administrator of the payment account that has received the request from the user for payment by credit card, the system confirms whether the ID number "ABC001" of the payment account of the payment destination is valid as a formal account. The credit card number specified by the user and the desired deposit amount "5,000
"Yen" to the credit card company's system, inquires whether or not the credit card can be used for a transaction, and receives a response from the credit card company indicating that the transaction is possible, and the payment account of the specified ID number "ABC001" 5,000 yen, and notifies the credit card company that the user has sold 5,000 yen.

The user who has paid 5,000 yen to the payment account pays 5,000 yen to the credit card company at a later date, and the credit card company pays 5,000 yen to the administrator of the payment account. By paying the yen, the settlement between the parties regarding the payment to the payment account by credit card is completed.

Also, in the present embodiment, the case where the amount managed by the payment account is a yen, which is a currency unit, has been described. However, it may be a dollar, franc, or other currency unit, or a specific site or site. A unique unit that can be used only by a group may be set.

After the registration and payment of the payment account on the web site on the Internet are completed, the user accesses the music distribution service provider system 13 and reads from the music list of the music distribution service site. For example, the user designates the download of the song having the title NO "A001", and then inputs his / her payment account ID number "ABC001" and password "TARO99".

The user receives the payment account ID number "ABC
001 ”, the password“ TARO99 ”and the title number“ A001 ”of the downloaded music, the music distribution service provider receives the ID number“ ABC00 ”of the payment account.
1 ”, the password“ TARO99 ”and the download fee of 300 yen to the system of the administrator of the payment account to inquire whether payment is possible. If payment is possible, download the song specified by the user Is permitted, and if there is a reply that the payment cannot be performed due to a mismatch of the ID number and / or password of the payment account or a shortage of the balance, the download is not performed.

When the music distribution service provider confirms that the download of the designated music has been completed, the music distribution service provider receives the payment for the download fee of 300 yen. Notify the end.

In the payment account manager system 15 that has received the download completion notification from the music distribution service provider system 13, the payment account balance "5,5" designated by the user with the ID number "ABC001". 000 yen "
, Download fee 300 yen, send 300 yen to the account of the music distribution service provider, and terminate the payment.

[0034]

Embodiment 2 Embodiment 2 is an example in which a user who has a payment account sends a part of the balance to another user such as a friend, for example. First, payment of the ID number "ABC001" is performed. Account holder is the payment account manager system 1
5 to access “3, 0” from the balance of the payment account.
To send "00 yen" to another user, the ID number of the payment account "ABC001" and the password "TARO99"
And the e-mail address "hiroshi@abc.ne.jp" of the other user who is the destination and the amount to be sent "3,000 yen".

The system 15 of the administrator of the payment account that has received the transfer request for a part of the balance checks that the ID number “ABC001” and the password “TARO99” of the payment account are valid. The specified amount "3,000 yen" from the balance of the payment account "5,000 yen"
To make the balance "2,000 yen", and the deducted amount "3,000 yen" is temporarily assigned to the temporary ID number "XXX999",
A temporary account is created by giving a temporary password “HIROSHI00”, and a URL “http //: www.xyz.co.jp” for calling a formal registration screen for making a formal registration of the temporary account and a formal registration screen.
/ XXX999 / "address.

When a temporary account for transfer is created in this way, a U for calling a formal registration screen for formal registration
Write the RL “http //: www.xyz.co.jp/XXX999/” and send the destination E-MAIL address “hiroshi @ ab
c. ne. jp ”to notify that the account should be formally registered.

The other user who has received the E-MAIL receives the URL “http //: www.xyz.c” described in the E-MAIL.
o.jp/XXX999/ ”, the formal registration screen will be called up. To register the temporary account as a formal account from the screen, enter the temporary ID number“ XXX999 ”and the temporary password“ HIROSHI ”of the temporary account. After certifying that you are the transfer destination, use the official ID number “SC8LD3” and the password “hir
o77 "is arbitrarily determined and input.

In the system 15 of the administrator of the payment account,
The formal ID number “SC8LD” specified by the transfer destination user
After confirming that the same payment account as "3" and the password "hiro77" has not been registered in the storage device 16 of the administrator's system, the temporary account is registered as a formal payment account.

If the transfer destination user already has his own payment account, the ID number and password of the own payment account are stored in the payment account manager system 15. The payment account manager requests that the payment account be replenished, and the payment account manager system 15 checks the ID number and password of the payment account designated by the transfer destination user and determines that the account is valid. If it is determined, the transferred amount is added to and replenished to the payment account, and then the registered temporary account is erased or unusable, and the transfer process is terminated.

[0040]

As described above, by using the payment method and the payment system of the present invention, it is possible to easily pay for the purchase of various products and the use of services provided on the communication network system. age,
Using a communication network, a credit card can be deposited into a payment account at any time. In other words, it is a very convenient payment method for the user, and can be said to be an excellent invention that can be expected to contribute to further economic development by expanding the communication network business.

[Brief description of the drawings]

FIG. 1 is an overall view of a payment system according to the present invention.

FIG. 2 is an explanatory diagram of a download database list.

FIG. 3 is an explanatory diagram of storage means of an e-commerce settlement account.

FIG. 4 is an explanatory diagram of a storage means of a temporary registration account.

FIG. 5 is a diagram showing a screen image for formal registration.

FIG. 6A-1 is a flowchart of processing related to opening a payment account.

FIG. 6A-2 is a flowchart of a payment process to a payment account.

FIG. 6A-3 is a flowchart of a usage fee payment process.

FIG. 6A-4 is a flowchart of a balance transfer process.

[Explanation of symbols]

REFERENCE SIGNS LIST 10 Communication terminal device used by user 11 Communication terminal device used by another user receiving value 12 Internet 13 Processing device of music distribution service provider system 14 Storage device storing music data to be distributed 14a Title NO description Column 14b Song title entry column 14c Artist name entry column 14d Distribution unit price entry column 14e Data size entry column 14f Release date entry column 15 Processing device of payment account manager system 16 Storage device for storing payment account 16a Payment account ID number entry field 16b Password entry field 16c Expiration date entry field 16d Value entry field 16e Flag 17 Storage device for storing temporary account of payment account 17a Temporary ID entry field 17b Temporary password entry field 17c Value entry field

Claims (8)

[Claims] Claims: 1. A method of paying for a transaction using a communication system, wherein a user opens a payment account in advance in an account manager's system, deposits an arbitrary amount of money, and Or, when applying for the purchase of a product or the provision of a service from a service provider, the payment is to be made from the opened payment account, the account identification information for specifying the account, and the authentication identification indicating the account owner. Notify the information, and the merchandise seller or the service provider inquires of the account manager whether payment by the account specified by the user is possible.If the result of the inquiry is possible, the user is informed. Sell goods or provide services and notify the account manager of the price, and the account manager subtracts the price related to the transaction from the user's account and sends it to the product seller or service provider Payment methods, characterized in that it pay. 2. The transaction settlement method according to claim 1, wherein payment to the payment account is performed by a credit card. 3. A storage means for managing a payment account,
A means for accepting a payment account opening request from the user's system, and account identification information and authentication identification information for identifying the payment account when the payment account opening request is received from the user's system, and the user. Means for requesting transmission of the e-mail address of the user, means for determining whether the same account identification information as the account identification information transmitted by the user already exists in the storage means, and the result of the determination by the determination means Means for temporarily registering a payment account using the account identification information and authentication identification information when it is determined that the same account identification information does not exist, and a formal registration screen for formal registration of the temporary registration of the payment account Means for creating a formal registration screen, a means for generating a call address of the created formal registration screen, and a mail address of the user for the generated call address of the formal registration screen. Means for notifying the account identification information and authentication identification information entered by the user from the formal registration screen with the account identification information and authentication identification information of the provisionally registered payment account; And a means for validating the provisionally registered payment account from the provisionally registered state as a formal payment account when the results of the verification by the above match. 4. The payment system according to claim 3, wherein the means for validating the temporary registration status as a formal payment account is a means for updating the temporary registration status flag to a formal registration status flag. . 5. The means for validating a temporary registration state as a formal payment account is a means for rewriting or transferring from a temporary registration storage area to a formal registration storage area. Payment system described in. 6. A storage means for managing a payment account,
Means for receiving a new registration request for a payment account from the user's system, means for receiving the user's e-mail address from the user's system, means for generating a call address for a new payment account registration screen, Means for transmitting the call address of the new payment account registration screen to the e-mail address of the user, means for receiving account identification information and authentication identification information specified by the user on the new payment account registration screen, Means for determining whether the same account identification information as the account identification information specified by the user already exists in the storage means, and a method for determining whether the same account identification information does not exist as a result of the determination by the determining means. Means for newly registering a payment account using the account identification information and the authentication identification information. 7. A storage means for managing a payment account,
Means for receiving a transfer request for the balance of the payment account from the user's system; means for receiving account identification information, authentication identification information, the amount to be transferred, and the mail address of the transfer destination from the user's system; Means for reading the authentication identification information of the payment account corresponding to the account identification information, means for comparing the read authentication identification information with the authentication identification information transmitted by the user, and matching by the authentication identification information matching means. Means for updating the balance of the payment account by subtracting the amount to be transferred from the balance of the payment account when the results of the above match, registering the deducted amount as a temporary account; Means for generating temporary account identification information and temporary authentication identification information corresponding to the account; means for creating a registration screen for registering the temporary account as a formal account; Means for generating the call information, means for notifying the generated call information, temporary account identification information and temporary authentication identification information to the mail address of the transfer destination, and provisional account identification information from the registration screen corresponding to the call information. Means for receiving temporary authentication identification information, and means for checking whether the temporary account identification information and temporary authentication identification information received from the registration screen match the temporary account identification information and temporary authentication identification information of the temporary account, Means for accepting formal account identification information and formal authentication identification information when the results of the check by the checking means match, and the same account identification information as the accepted formal account identification information and formal authentication identification information And means for checking whether authentication identification information is present, and if there is no check result of the checking means, Payment system characterized in that it comprises means to formally register the account identification information and authentication identification information temporarily registered with payment for the account using the payment for the account of the transfer destination. 8. A storage means for managing a payment account,
A means for receiving a transfer request for the balance of a payment account from a user system, and a means for receiving account identification information, authentication identification information, an amount to be transferred, a mail address of a transfer destination, and account identification information of a transfer destination from the user system. Means for reading authentication identification information of a payment account corresponding to the received account identification information from storage means; means for comparing the read authentication identification information with authentication identification information transmitted by a user; If the matching result of the identification information matching means matches, the means for subtracting the amount to be transferred from the balance of the payment account and checking whether the payment account corresponding to the account identification information of the transfer destination exists. Means for transferring the deducted amount to the payment account of the account identification information of the transfer destination if the result of the check by the check means exists. Payment system characterized in that it comprises a means for notifying the populated amount and the user's email address is transferred source relative to the transfer destination mail address.