JP2002298041A - Payment method, payment information processing method, payment information processing system and program - Google Patents

Abstract

(57) [Summary] [Problem] To enable credit card payment for merchandise even in stores where no credit card has been subscribed, so that the sold fee can be collected more quickly than if the store received payment by credit card. To SOLUTION: A user 1 is sent from a POS terminal 21 of a store 20.
Transmitting the charge information to the mobile phone 60,
Transmitting the settlement request information and the fee information from the mobile phone to the payment support system 51 of the communication carrier 50 via the mobile phone communication network 70; and performing the payment for the payment of the fee from the communication carrier to the store in the payment support system. Processing, transmitting the payment notification information from the payment support system to the mobile phone via the mobile phone communication network, and, after the payment between the store and the communication carrier is completed, from the user to the communication carrier. And processing the settlement for the payment of the toll.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] The present invention relates to a novel payment method,
More specifically, at a store that sells goods or provides services, payment by a telecommunications carrier etc. for payment of fees for goods purchased by the user who owns the mobile information terminal or services received by the user The present invention relates to a payment method, a payment information processing method, a payment information processing system, and a program for performing payment via a support organization and enabling credit card payment even in a store where a credit card has not been joined.

[0002]

2. Description of the Related Art Conventionally, when a user purchases a product at a store such as a retail store or a department store or receives a service such as provision of food and drink at a store such as a restaurant, a user pays a fee for the product or service. Was paid by cash or by credit card. Particularly in recent years, payment by credit card has been increasing because it is not necessary to carry cash.

[0003]

However, in order to become a member of the credit card, it is necessary to pay a high commission of 5-10% to the credit card company. Since the period until the payment is made to the store is as long as about three months, the cash flow until the payment may be burdensome depending on the store. For these reasons, there are stores that do not become member stores of the above-mentioned credit card, and it is inconvenient for users who want to pay by credit card, for example, they can not use a credit card and only pay in cash and give up purchasing the product. Met.

[0004] The present invention has been made in view of the above problems, and an object of the present invention is to make it possible for a store to which a credit card has not been subscribed to make a credit card payment for a product or service, and to provide a store with a credit card. By providing a settlement method, a settlement information processing method, a settlement information processing system, and a program used in the settlement system, which make it possible to more quickly collect the sold fee as compared with the case where the payment is received in is there.

[0005]

In order to achieve the above object, the invention according to claim 1 is directed to a store which sells a product or provides a service, the product purchased by a user who owns a mobile information terminal. Or a payment method for performing payment through a payment support organization for payment of a fee for a service received by the user, wherein the payment support organization manages and operates communication by a mobile information terminal owned by the user. , An organization having transaction contract information previously exchanged between the user and the store, and from the terminal for accepting payment of payment of the store to the mobile information terminal of the user, the charge of the product or the service. Transmitting the charge information with respect to the payment information from the mobile information terminal to the settlement support organization via a communication line together with the settlement request information. Based on the transaction contract information previously exchanged with the store and the fee information received from the mobile information terminal, the payment for the payment of the goods or the service from the payment support organization to the store. And transmitting payment notification information for notifying that the payment between the store and the payment support institution is completed, from the payment support institution to the mobile information terminal via a communication line,
After the settlement between the store and the settlement support institution is completed, based on the transaction contract information previously exchanged with the user and the fee information received from the mobile information terminal, the usage is determined. And processing a payment for payment of the fee for the product or the service from the user to the payment support institution.

According to a second aspect of the present invention, there is provided a store which sells goods or provides services, and pays a fee for the goods purchased by the user who owns the mobile information terminal or the service received by the user. Is a payment information processing method for performing payment via a payment support institution, wherein the payment support institution manages and operates communication by a mobile information terminal owned by the user, and the user and the store Is an organization that has transaction contract information previously exchanged with the user, and receives payment request information along with payment request information from the user's mobile information terminal via a communication line. Based on the transaction contract information exchanged with the store in advance and the charge information received from the mobile information terminal, based on the price of the product or service for the store. Processing the settlement of payment through a communication line to the mobile information terminal, after sending a payment notification information for notifying that payment for the store is completed, the settlement with respect to the store is complete,
Based on the transaction contract information previously exchanged with the user and the fee information received from the mobile information terminal, process payment for the payment of the product or service fee from the user. And performing the following steps.

[0007] According to a third aspect of the present invention, in a store that sells goods or provides services, payment of a fee for a product purchased by a user who owns a mobile information terminal or a service received by the user is provided. A payment information processing system used when performing payment via a payment support institution, comprising: an information storage means for storing transaction contract information previously exchanged between the user and the store; Information receiving means for receiving, via a communication line from a mobile information terminal of the user, fee information relating to the price of the product or the service, together with the settlement request information, and the transaction contract signed in advance with the store Store payment processing means for processing payment for payment of the product or service fee to the store based on the information and the fee information received from the mobile information terminal; Via a communication line, an information transmitting means for transmitting payment notification information for notifying that the payment for the store has been completed, and the information exchanged in advance with the user after the payment for the store has been completed. Based on the transaction contract information and the fee information received from the mobile information terminal,
User payment processing means for processing payment for payment of the fee for the product or service from the user.

The "mobile information terminal" includes not only a mobile phone but also a PHS (Personal Handyphone Service).
e), automobile telephones, portable personal computers, and the like.

In the settlement method according to claim 1, the settlement information processing method according to claim 2, and the settlement information processing system according to claim 3, settlement is performed at a store where a user purchases a product or receives a service. Along with the request information, the fee information on the fee for the product or service received from the fee payment receiving terminal device of the store is transmitted from the user's mobile information terminal to the settlement support organization via the communication line. Based on the transaction contract information previously exchanged with the store and the charge information received from the mobile information terminal, the settlement support organization receiving the charge information setstle the payment for the payment of the goods or services to the store based on the charge information received from the mobile information terminal. To process. The settlement support organization manages and operates the communication by the mobile information terminal owned by the user, and has the transaction contract information previously exchanged between the user and the store, so that the settlement process for the store is promptly performed. It can be executed, and the store can collect the sold fare more quickly than in the case where a credit card is used. Further, since payment notification information for notifying that the payment to the store has been completed is transmitted to the mobile information terminal of the user at the store via the communication line, the store side determines the payment based on the payment notification information. You can confirm the facts and proceed with transactions with users safely. And
After the payment for the store is completed, the payment processing for the payment of the product or service fee to the user is performed based on the transaction contract information previously exchanged with the user and the fee information received from the mobile information terminal. Be executed. As a result, payment for a series of merchandise sales or service provision charges is completed, and the user can pay for merchandise and services without preparing cash even in a store where a credit card has not been subscribed.

According to a fourth aspect of the present invention, in the settlement information processing system according to the third aspect, the information storage means stores, together with the transaction contract information, personal identification information used for authenticating the user. The information receiving means receives the personal identification information from the mobile information terminal together with the fee information, and the store payment processing means performs the personal storage stored in the information storage means prior to the payment processing. On the basis of the confirmation information and the personal identification information received from the mobile information terminal by the information receiving means, authentication is performed as to whether or not the user is the principal.

[0011] In the settlement information processing system according to claim 4,
Prior to the settlement processing, performing authentication as to whether or not the user is a principal based on the personal identification information stored in the information storage means and the personal identification information received from the mobile information terminal by the information receiving means. Accordingly, it is possible to prevent a user impersonating the user from operating the mobile information terminal to execute the payment processing. Damage due to unauthorized use of the mobile information terminal can be caused.

According to a fifth aspect of the present invention, there is provided a program executed by a computer used in the settlement information processing system according to the third or fourth aspect, wherein the program causes the computer to function as each unit in the settlement information processing system. It is a program.

[0013] By executing the program according to claim 5 on a computer used in the settlement information processing system, the above settlement processing in the settlement information processing system can be executed.

The delivery of the program according to the fifth aspect of the present invention may be performed using a recording medium such as an FD or a CD-ROM in which the program is recorded as digital information, or a communication line such as a computer network. May be used.

According to a sixth aspect of the present invention, in a store that sells goods or provides services, payment of a fee for a product purchased by a user who owns a mobile information terminal or a service received by the user, A payment method for performing payment through a payment support institution, wherein the payment support institution is an institution that manages and operates communication by a mobile information terminal owned by the user, and is connected to the mobile information terminal via a communication line. Transmitting, to the settlement support institution, charge information relating to the charge of the product or the service together with the settlement request information; and in the settlement support institution, the settlement support in accordance with the charge information received from the mobile information terminal. Processing the payment for the payment of the product or service fee from the institution to the store; and the mobile information terminal from the payment support institution via a communication line. Transmitting settlement notification information for notifying that the settlement between the store and the settlement support institution has been completed; and after completing the settlement between the store and the settlement support institution, the mobile information terminal. And processing a payment for payment of a fee for the goods or the service from the user to the payment support institution based on the fee information received from the user.

According to the settlement method of the present invention, at the store where the user has purchased the product or at the store where the service has been provided, the charge information relating to the product or service together with the settlement request information is transferred to the user's mobile information terminal. To send it to the payment support institution via the communication line. The settlement support organization that has received the charge information processes the payment for the payment of the goods or services to the store. By this payment process, the store can collect the sold fare more quickly than when using a credit card. Further, since payment notification information for notifying that the payment to the store has been completed is transmitted to the mobile information terminal of the user at the store via the communication line, the store side determines the payment based on the payment notification information. You can confirm the facts and proceed with transactions with users safely. Then, after the payment for the store is completed, a payment process for payment of the fee for the product or service to the user is executed. As a result, payment for a series of merchandise sales or service provision charges is completed, and the user can pay for merchandise and services without preparing cash even in a store where a credit card has not been subscribed.

According to a seventh aspect of the present invention, in the settlement method of the sixth aspect, the settlement between the user and the settlement support organization is performed through a credit card management company. is there.

According to the settlement method of the present invention, after the settlement of the store is completed, the settlement processing for the payment of the fee for the goods or services to the user is executed through the credit card management company.

The invention according to claim 8 is the settlement method according to claim 6 or 7, wherein the settlement support institution has transaction contract information previously exchanged between the user and the store. It is a feature.

According to the settlement method of claim 8, since the settlement support institution has the transaction contract information previously exchanged between the user and the store, the settlement processing for the store and the user can be promptly performed. Can be performed.

[0021]

Embodiments of the present invention will be described below with reference to the drawings. [Embodiment 1] FIG. 1 is a conceptual diagram showing an entire framework of a settlement method according to a first embodiment of the present invention. In the settlement method according to the present embodiment, in a store 20 that sells commodities, settlement related to the price of the purchased commodities is performed using a mobile phone 60 as a mobile information terminal via a settlement support organization. The settlement support organization in the present embodiment manages and operates communication by the mobile phone 60 owned by the user 10, and terminal identification information for connecting to the mobile phone 60,
PIN (Pe) as personal identification information used for user authentication
(rsonl Identification Number) code.

The portable telephone 60 is a POS terminal 2 installed in the store 20 as a terminal device for receiving payment of fees.
1 and can be communicated wirelessly or by wire. For example, for each of the mobile phone 60 and the POS terminal 21,
Bluetooth (registered trademark), ISO14
443 non-contact IC card communication standard, IrDA,
A data transmitting / receiving unit satisfying a wireless communication standard such as HomeRF is provided, and information is exchanged via the data transmitting / receiving unit. The POS terminal 21 can transmit and receive data to and from a management server 41 installed in a POS management center 40 via a dedicated line.

FIGS. 2 and 3 are a schematic configuration diagram and a functional block diagram, respectively, of a payment information processing system (hereinafter referred to as a "payment support system") 51 used in the present payment method. The payment support system 51 is managed and operated by a communication carrier 50, and as shown in FIG. 2, a system bus 100, an internal storage device including a CPU 101, a RAM 102 and a ROM 103, and a hard disk drive (HD).
D) and an external storage device 10 such as an optical disk drive
4. An input device 105 such as a mouse and a keyboard, an output device 106 such as a display and a printer, and the mobile phone 60 of each user 10 through the mobile phone communication network 70.
And a dedicated line communication device 109 for communicating with the settlement management servers 81 and 86 of the financial institutions 80 and 85 via the dedicated lines 90 and 91, respectively. The components such as the CPU 101 and the RAM 102 exchange data and program instructions with each other via the system bus 100. A program for operating the settlement support system 51 according to a predetermined procedure is stored in the ROM 103 or the external storage device 10.
4 and, if necessary, the CPU 101 or RA
It is called and executed in the work area on M102. Further, the payment support system 51 may be configured by one computer system, or may be configured by connecting a plurality of computers respectively having a plurality of server functions via a network.

The payment support system 51 executes a predetermined program on the hardware shown in FIG. 2 to execute the information storage means 501 and the information receiving means 50 shown in FIG.
2. The functions of the store payment processing means 503, the information transmission means 504, and the user payment processing means 505 are realized. The information storage means 501 is configured using an external storage device 104 such as a hard disk of the settlement support system 51, and includes, in addition to the user information of the user 10 owning the mobile phone 60, And transaction contract information previously exchanged with the store 20. For example, for each user 10, as shown in FIG. 4A, a mobile phone number as terminal identification information, a PIN code as personal identification information, and automatic debit account information (financial institution name, branch number, Account type, account number, name)
Or credit card information (card type, issuer name,
Payment transaction information such as card number, expiration date, name), usage service information such as package plan name, additional option name, applicable discount type, and other user's name, address, telephone number, e-mail address, etc. Is registered in association with the information. For each store 20, as shown in FIG. 4B, a store ID number as store identification information, transfer account information (financial institution name, branch number, account type, account number, name) and debit account. Transaction information such as information (financial institution name, branch number, account type, account number, and name) is registered in association with information such as other store names, addresses, telephone numbers, and fax numbers.

The information receiving means 502 is constituted by the CPU 101, the RAM 102, the mobile phone communication device 108, etc. of the payment support system 51, and requests the user 10 to make a payment request from the mobile phone 60 via the mobile phone communication network 70. It has a function of receiving fee information on the price of the product along with the information.

The store settlement processing means 503 is constituted by the CPU 101, the RAM 102, the dedicated line communication device 109 and the like of the settlement support system 51, and transmits the transaction contract information exchanged with the store 20 in advance and the portable telephone 60. Based on the received fee information, exchange of payment request information, payment notification information, and the like with the payment management server 81 of the external financial institution 80, the store settlement process for payment of the product fee to the store 20 Has the function of performing

The information transmitting means 504 is constituted by the CPU 101, the RAM 102, the communication device 108 for the portable telephone of the settlement support system 51 and the like, and is connected to the user's portable telephone 60 via the portable telephone communication network 70 to the store 20. It has a function of transmitting payment notification information for notifying that payment has been completed.

The user settlement processing means 505 includes the CPU 101, the RAM 102, the dedicated line communication device 109, etc. of the settlement support system 51, and
Contract information and mobile phone 60 previously exchanged between
External financial institution 8 based on the fee information received from
It has a function of performing a store settlement process for payment of a product fee from the user 10 by exchanging settlement request information, settlement notification information, and the like with the settlement management server 81 of No. 0.

FIG. 5 is a flowchart showing the flow of a settlement procedure in the settlement information processing system of the present embodiment. First, a user 10 who wants to purchase a product at a certain store 20 goes to a place where the POS terminal 21 is installed, operates the mobile phone 60, and transmits a fee transmitted from the POS terminal 21 through short-range wireless communication. Information and purchased product information are received (step 1). And user 1
0 further operates the mobile phone 60 to connect to the payment support system 51 of the payment support organization (communication carrier) 50, and transmits the charge information and the product information received from the POS terminal 21 to the payment support system 51.

The settlement support system 51 includes a mobile phone 60
(Step 1). Based on the received fee information and the transaction information between the store 20 stored in the information storage unit 501, the transaction with the store 20 is performed. Information is transmitted / received to / from the settlement management server 81 of a certain external financial institution 80 via the dedicated line 90, and a store settlement process related to payment of the above-mentioned product fee from the communication carrier (settlement support institution) 50 to the store 20 is performed. (Step 2).

Next, the settlement support system 51 relates to the payment of the commodity fee from the communication carrier (settlement support organization) 50 to the store 20 to the portable telephone 60 of the user 10 via the portable telephone communication network 70. Payment notification information for notifying that the payment has been completed is immediately transmitted (step 3). The settlement notification information is displayed on the display of the mobile phone 60, and the store 20 seeing this display can safely perform a transaction relating to the purchase and sale of commodities on the spot.

Next, the payment support system 51 uses the charge information received from the mobile phone 60 and the usage information stored in the information storage means 501 at a timing when a predetermined period has elapsed after the completion of the store payment processing. Based on transaction information with the user 10, information is transmitted and received via the dedicated line 91 to and from the settlement management server 86 of the credit card company 85 which is an external financial institution with which the user 10 has a transaction. 10 performs user settlement processing related to payment of the fee for the product to the communication carrier (settlement support organization) 50 (step 2). Details regarding this user settlement process will be given at a later date.
User 1 along with a statement of the mobile usage fee to User 10
It is sent to the home of No. 0, etc.

As described above, according to the present embodiment, the portable telephone 6
As if 0 were a substitute for a credit card,
Even when the store 20 is not a credit card member store, the user 10 can pay the fee for the purchased product by credit card payment without preparing cash. In addition, the settlement support system allows the user 1
Since the price of the purchased product is immediately credited to the account of the store 20, it is possible for the store 20 to collect the sold price more quickly than when the payment is received by a credit card. Become.

In the above-described embodiment, the case has been described where payment is made using a mobile phone when shopping or the like is performed at a store in which a POS terminal capable of communicating with the mobile phone is installed. When shopping at a retail store without a terminal, or at a POS that cannot communicate with a mobile phone
The present invention can also be applied to shopping at a store where only terminals are installed. Also in this case, similarly to the above-described embodiment, a transaction contract regarding settlement using a mobile phone is previously made between the store and a communication carrier as a settlement support organization. Then, the information of the transaction contract, specifically, the store ID number as the store identification information and the transfer account information (financial institution name, branch number, account type, account number, name) are stored in the settlement support system of the communication carrier. And transaction information such as debit account information (financial institution name, branch number, account type, account number, name), and other information such as store name, address, telephone number, fax number, etc. are registered in association with each other. . A user who wants to purchase a product at a store without a POS terminal or at a store with only a POS terminal that cannot communicate with the mobile phone can pay the purchase price by using the mobile phone 60.
By operating the store ID number, purchased product information (for example,
Data such as barcode information and product name of the product) and fee information are input, and connected to the payment support system 51 of the payment support organization (communication carrier) 50 to transmit the data. This data entry is based on the store list registered in advance in the mobile phone,
A product list may be displayed and a selection may be made from these lists. After this, the payment support system
The settlement procedure after receiving the fee information and the like transmitted from the mobile phone is performed in the same manner as the procedure described with reference to the flowchart of FIG. 5 of the above embodiment. Thus, even when shopping at a store such as a retail store without a POS terminal, or when shopping at a store with only a POS terminal that cannot communicate with the mobile phone, the mobile phone becomes a substitute for a credit card, Even if the store is not a credit card member store, the user can pay for the purchased product by credit card payment without preparing cash. In addition, since the price of the product purchased by the user is immediately credited to the store's account, it is possible for the store to collect the sold price more quickly than when receiving payment by credit card Becomes Further, when a user of a mobile phone, instead of the above-mentioned store, purchases a product or the like by watching a television shopping or radio shopping program or viewing a magazine or the like, a payment support institution using the mobile phone is similarly used. By exchanging information with the (communications carrier), it is possible to pay for the purchased product by credit card payment.

Further, in the first embodiment described with reference to FIGS. 1 to 5 described above, or in a modified embodiment in which shopping is performed at a store without a POS terminal, the user 1
When transmitting the payment request information and the like from the mobile phone 60 to the payment support system 51, the PI
The N code may be transmitted together to authenticate the user as to whether or not the user is the user. In this case, it is possible to prevent a user impersonating the user from operating the mobile phone to execute the above-described settlement processing, and to prevent damage due to unauthorized use of the mobile phone.

[Second Embodiment] FIG. 6 is a conceptual diagram showing an entire framework of a settlement method using a mobile phone according to a second embodiment of the present invention. Hereinafter, description of the same parts as those in the settlement method of the first embodiment will be omitted. In the settlement method according to the present embodiment, the user 10 registers a specific information set in a net store operating company 45 from a personal computer (hereinafter referred to as “PC”) 22 at home or the like via the Internet 30 as a communication line. When the user connects to the web server (information processing device) 46 as the destination and transmits order information and the like to the web server 46 for registration, it is determined whether or not the user who accessed the web server 46 is himself / herself. The authentication is performed by the person 50 and the settlement process is supported. The telecommunications carrier 50 manages and operates communication by the mobile phone 60, which is a mobile information terminal owned by the user 10, and performs terminal identification information for connecting to the mobile phone 60 and authentication of the user. It has information of a PIN (Personal Identification Number) code as personal identification information to be used in advance.

FIGS. 7 and 8 are a schematic configuration diagram and a functional block diagram, respectively, of the settlement support system 51 used in the settlement method. The hardware of the payment support system 52 is obtained by adding an Internet communication device 107 for connecting to the Internet 30 to the configuration of FIG. 2 described in the first embodiment. The payment support system 52 executes the predetermined program on the hardware shown in FIG.
1. In addition to the store payment processing means 503, the information transmission means 504, and the user payment processing means 505, an authentication request information reception means 506, an authentication connection destination information transmission means 507, an identification information reception means 508, and an authentication processing means 509. Each function is realized.

The authentication request information receiving means 506 includes the CPU 101, the RAM 102,
The web server 46 of the Internet store operating company 45 includes authentication information for requesting user authentication together with the terminal identification information (mobile phone number) received from the user's personal computer 22. It has a function of receiving from the server 46.

The authentication connection destination information transmitting means 507 includes:
CPU 101 and RAM 10 of the payment support system 51
2. A one-time URL is used as the authentication connection destination information based on the terminal identification information (mobile phone number) received from the web server 46 of the online store operating company 45, which is constituted by the communication device 108 for the mobile phone, and the like. It has a function of transmitting to the portable telephone 60 of the user. This one-time U
The RL allows the user 10 to connect the mobile phone 60 to an authentication connection destination (authentication site) that is limited to one use and is different for each authentication request.
For connecting using the CPU 101
It is generated using the random number generated by. Also, this one-time URL is provided by the short message system (SMS) managed and operated by the communication carrier 50 so that the user 10 can easily connect using the link function of the mobile phone 60. Is transmitted to the mobile phone 60.

The personal identification information receiving means 508 includes the CPU 101, the RAM 102,
The user 1 comprises a communication device 108 for a mobile phone, etc.
The mobile phone 60 has a function of receiving a PIN code as personal identification information transmitted from the mobile phone 60 to the authentication connection destination (authentication site) specified by the one-time URL.

The authentication processing means 509 includes the CPU 101, the RAM 102, and the like of the settlement support system 51, and receives the PI received from the mobile phone 60 of the user 10.
N code and PIN stored in information storage means 501
It has a function of authenticating whether or not the user 10 is the user based on the code.

FIG. 9 is a flowchart showing the flow of the authentication and settlement procedure in the settlement method of the present embodiment. Steps surrounded by thin solid lines in FIG. 9 are processes on the user side, steps surrounded by thick solid lines are processes in the settlement support system 51, and steps surrounded by broken lines are net store operating companies. This is the processing in the web server 46 of FIG.

First, the user 10 operates the personal computer 22, and operates the Internet store operating company 4 via the Internet 30.
5 to display a web page for online shopping, and input terminal identification information and order information for connecting to the user's mobile phone 60 as registration target information from the order form page. (Step 1). As the terminal identification information, the telephone number of the mobile phone 60 owned by the user 10 is input, and as the order information, a product ID, a product delivery destination, a purchase intention, a payment method, and the like are input. The web server 46 of the internet store operating company 45 may be accessed via an internet shopping mall site or an internet shopping portal site, or may be accessed directly from an internet service provider (ISP).

Next, the web server 46 of the Internet store operating company 45 that has received the order for the product from the user 10 transmits the settlement support system 51 managed and operated by the communication carrier 50 to the settlement support system 51.
Via the Internet 30, authentication request information for requesting user authentication is transmitted together with the telephone number of the mobile phone 60 of the user 10 (step 2). At this time, information such as a product, a store, a purchase amount, and a payment type (payment method) ordered by the user may be transmitted to the payment support system 51 together.

Next, the settlement support system 51 of the telecommunications carrier 50 uses the web server 4
6, after receiving the telephone number of the user's mobile phone 60 and the authentication request information, the user's mobile phone 60 receives information about the one-time URL as connection destination information for authentication via the mobile phone communication network 70. Transmit (step 3).

Next, the user enters the payment support system 5
An authentication site specified by the one-time URL set to 1 is connected via a communication line such as the mobile phone communication network 70, and a PIN code used for user authentication is transmitted (step 4). In addition, the online store operating company 45
Products, stores,
When information such as the purchase amount and the payment method is transmitted, data for displaying the information is set in the authentication site so that the user 10 can confirm the information. You may leave.

Next, the settlement support system 51 of the communication carrier 50 receives the PIN code transmitted to the authentication site designated by the one-time URL, and registers the PIN code registered in the information storage means 501 in advance. Is compared to the code,
If they match, it is determined that the user who is operating the personal computer 22 and the mobile phone 60 is himself (steps 5 and 6). On the other hand, if the two PIN codes do not match, it is determined that the user is not the user (step 7).

Here, if it is confirmed that the user 10 is the person himself, store settlement processing is performed (step 8). Specifically, the settlement support server 51 transmits the settlement request information including the settlement type information via the dedicated line 90 to the settlement management server 81 of the financial institution 80 that has a transaction with the online store operating company 45.
Send to After receiving the payment request information, the payment management server 81 of the financial institution 80 executes the credit processing and the payment processing in a predetermined procedure, and then sends the payment notification information indicating that the payment has been completed to the communication carrier 50 via the dedicated line 90. Settlement support system 5
1 (step 9). The web server 46 of the internet store operating company 45 may be accessed via an internet shopping mall site or an internet shopping portal site, or may be accessed directly from an internet service provider (ISP).
The online store operating company 45 transmits data to the effect that the order for the product has been confirmed to the personal computer 22 of the user 10,
For example, it is possible to start a process of shipping a product to the user 10. On the other hand, if the user 10 is not confirmed as the principal, the online store operating company 45 can transmit to the personal computer 20 of the user 10 data indicating that the order for the product has not been accepted.

Next, the payment support system 51 uses the order information received from the mobile phone 60 and the usage information stored in the information storage means 501 at the timing when a predetermined period has elapsed after the completion of the store payment processing. Based on transaction information with the user 10, information is transmitted and received via the dedicated line 91 to and from the settlement management server 86 of the credit card company 85 which is an external financial institution with which the user 10 has a transaction. 10 performs user settlement processing related to payment of the fee for the product to the communication carrier (settlement support organization) 50 (step 10). The details related to the user settlement processing are sent to the user 10 at a later date together with the details of the mobile usage fee to the user 10 side.

As described above, according to the present embodiment, the portable telephone 6
As if 0 were a substitute for a credit card,
Even when the online store 45 is not a credit card member store, the user 10 can pay for the purchased product by credit card payment without preparing cash. Moreover, since the payment support system immediately pays the price of the product purchased by the user 10 to the account of the store 20, the net store 45 has made a sale as compared to a case where the payment was made by a credit card. Charges can be collected more quickly.

In each of the above embodiments, the PI
With N code or instead of PIN code,
Biometrics (biological features) such as fingerprint information of user 10, eye iris information and retina information, blood vessel information read from the surface of hands and the like, face shapes, voice features and voiceprints, handprints and palm prints, etc. Information may be used as the personal identification information. It also uses information such as how to write characters, writing pressure, direction of releasing the brush, handwriting information such as speed when inputting from a keyboard, and keying information such as the interval between pressing a key and another key. You may.

Further, in each of the above embodiments, a dedicated user identification code (UI) used only at the time of the settlement request is used.
D: User Identification Code). This user identification code (UID) receives an application from a user who wishes to make a payment using the payment support system 51 of the telecommunications carrier 50, performs a credit check on the user who applied, and checks a predetermined condition. Issued to users who meet. The user identification code (UID) issued by the communication carrier (settlement support organization) 50 is used as the user information as the information storage means 5 of the settlement support system 51.
01 is stored. Thus, the user identification code (UI
By using D), it is possible to know in advance the users who may perform the settlement request processing,
User management becomes easier.

In each of the above embodiments, the transmission and reception of information between the user's mobile phone 60 and the POS terminal 21 or the online store 45 preferably uses an encryption system. By using the encryption system in this way,
Since information can be prevented from leaking to the outside, the authentication process of the user 10 can be performed more safely.
In order to encrypt this information on the mobile phone 60 side, for example, a fingerprint module capable of storing an authentication key and a cryptographic algorithm, or a USIM (Universal Subscriber Identity Module) which is a SIM card for a next-generation mobile communication system is used.
le) is provided in the mobile phone 60.

In each of the above embodiments, the mobile phone 60 is used for transmitting and receiving information to and from the settlement support organization 50. However, other mobile information terminals such as a PHS, a car phone, and a portable personal computer are used. May be.

In each of the above embodiments, the user goes to a store that is not a credit card member and purchases a product or the like using a credit card. Has described the case where a product is purchased using a credit card, but the present invention is also applicable to a case where the payment desired by the user is a payment by a debit card other than a credit card or electronic money.
For example, when a user goes to a store that is not a member of a debit card or electronic money and purchases a product using the debit card or electronic money, or at an Internet store that is not a member of a debit card or electronic money on the Internet The present invention is also applicable to a case where a user purchases a product or the like using a debit card or electronic money.

Further, in each of the above embodiments, when purchasing goods at the storefront of the store 20 using a mobile phone, or when purchasing goods by accessing an online store, using the mobile phone. However, the present invention can also be applied to settlement in the case of applying for provision of various services such as accommodation in a hotel or the like, use of a train or airplane, use of a restaurant, and the like. Further, the present invention provides a method for purchasing a product by accessing a predetermined connection destination via a communication line by viewing a television shopping or radio shopping program, viewing an advertisement published in a magazine or the like. It can also be applied to settlement when receiving services.

[0057]

According to the first to eighth aspects of the present invention, it is possible to make a credit card payment for a fee for a product or service even in a store where no credit card has been subscribed.
For stores, there is an excellent effect that it is possible to more quickly collect the sold price as compared with the case where payment is made by a credit card.

In particular, according to the fourth aspect of the present invention, it is possible to prevent a user impersonating the user from operating the mobile information terminal to execute the above-mentioned settlement processing, and to prevent damage due to unauthorized use of the mobile information terminal. Has an excellent effect that it can be prevented.

In particular, according to the invention of claim 8, there is an excellent effect that the settlement processing for the store and the user can be promptly executed.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram showing an entire framework of a settlement method using a mobile phone according to a first embodiment of the present invention.

FIG. 2 is a schematic configuration diagram of a settlement support system used in the settlement method.

FIG. 3 is a functional block diagram of a settlement support system used in the settlement method.

FIG. 4A is an explanatory diagram of user information stored in an information storage unit of the payment support system. (B) is an explanatory view of store information stored in the information storage means of the settlement support system.

FIG. 5 is a flowchart showing a flow of an information processing procedure in the settlement support system.

FIG. 6 is a conceptual diagram showing an entire framework of a settlement method using a mobile phone according to a second embodiment of the present invention.

FIG. 7 is a schematic configuration diagram of a settlement support system used in the settlement method.

FIG. 8 is a functional block diagram of a settlement support system used in the settlement method.

FIG. 9 is a flowchart showing a flow of a settlement procedure in the settlement support system.

[Explanation of symbols]

 10 User 20 Store 21 POS Terminal (Terminal Device for Accepting Charge Payment) 22 Personal Computer 40 POS Management Center 41 Management Server 45 Internet Store 46 Web Server 50 Communication Provider (Payment Supporting Institution) 51 Payment Support System 60 Mobile Phone (Mobile Information) Terminal) 70 mobile phone communication network (communication line) 80 financial institution 81 payment management server 85 financial institution (credit card company) 86 payment management server 90, 91 dedicated line 100 system bus 101 CPU 102 RAM 103 ROM 104 external storage device 105 input Device 106 Output device 107 Internet communication device 108 Mobile phone communication device 109 Dedicated line communication device 501 Information storage unit 502 Information receiving unit 503 Store payment processing unit 504 Information transmission unit 505 User payment processing unit 506 authentication request information receiving unit 507 for authentication connection destination information transmitting unit 508 identification information receiving unit 509 the authentication processing unit

──────────────────────────────────────────────────の Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 414 G06F 17/60 414 506 506 G07G 1/14 G07G 1/14 (72) Inventor Riki Suka 3-611 Hisamoto, Takatsu-ku, Kawasaki-shi, Kanagawa 611 F term (reference) 3E042 AA01 CC10 EA01

Claims (8)

[Claims] Claims: 1. At a store that sells goods or provides services, payment of fees for goods purchased by a user who owns a mobile information terminal or services received by the user via a payment support organization. A settlement method for making a settlement, wherein the settlement support organization manages and operates communication by a mobile information terminal owned by the user, and transmits transaction contract information previously exchanged between the user and the store. Transmitting fee information on the price of the product or the service from the terminal device for accepting payment of payment at the store to the mobile information terminal of the user; and Transmitting the charge information together with the settlement request information to the settlement support institution; and in the settlement support institution, the transaction contract information previously exchanged with the store and the mobile information terminal. Based on the fee information received from the payment support institution, processing payment for payment of the fee for the product or service from the payment support institution to the store; and performing the transfer from the payment support institution via a communication line. Transmitting, to the information terminal, settlement notification information for notifying that the settlement between the store and the settlement support institution is completed; and after the settlement between the store and the settlement support institution is completed, Based on the transaction contract information previously exchanged with the user and the fee information received from the mobile information terminal, payment of the fee for the product or the service from the user to the settlement support institution. And a step of processing the settlement. 2. At a store that sells goods or provides services, payment of fees for goods purchased by the user who owns the mobile information terminal or services received by the user is made through a payment support institution. A payment information processing method for making a payment, wherein the payment support organization manages and operates communication by a mobile information terminal owned by the user, and is previously exchanged between the user and the store. Receiving from the mobile information terminal of the user via the communication line together with the settlement request information and the charge information relating to the charge of the product or the service; and Based on the transaction contract information exchanged in advance and the fee information received from the mobile information terminal, the payment processing for the payment of the product or the service to the store is processed. A step of transmitting, via the communication line, the mobile information terminal with payment notification information for notifying that the payment for the store has been completed, and after the payment for the store has been completed, Processing the payment for the payment of the product or service from the user based on the transaction contract information previously exchanged and the fee information received from the mobile information terminal. An information processing method for settlement, characterized by the following. 3. At a store that sells goods or provides services, payment of fees for goods purchased by the user who owns the mobile information terminal or services received by the user is made via a settlement support organization. An information processing system for payment used when making a payment, comprising: information storage means for storing transaction contract information previously exchanged between the user and the store; and communication from a mobile information terminal of the user. Via a line, an information receiving means for receiving the payment request information and the charge information relating to the charge of the product or the service, and the transaction contract information previously exchanged with the store and the mobile information terminal. A store payment processing means for processing payment for payment of the product or service fee to the store based on the fee information; and a communication line to the mobile information terminal. Information transmitting means for transmitting payment notification information for notifying that the payment for the store has been completed; and after the payment for the store has been completed, the transaction contract information previously exchanged with the user and the transfer Payment information processing means for processing payment from the user for payment of the product or service fee based on the fee information received from the information terminal. system. 4. The settlement information processing system according to claim 3, wherein said information storage means stores, together with said transaction contract information, personal identification information used for authenticating said user. Receiving the personal identification information from the mobile information terminal together with the fee information, wherein the store payment processing means, prior to the payment processing, personal identification information stored in the information storage means; An information processing system for settlement, wherein the information receiving means authenticates whether or not the user is an identity based on the identity confirmation information received from the mobile information terminal. 5. A program executed by a computer used in the information processing system for settlement according to claim 3 or 4, wherein the program causes the computer to function as each unit in the information processing system for settlement. 6. At a store that sells goods or provides services, payment of fees for goods purchased by the user who owns the mobile information terminal or services received by the user is made via a payment support organization. A settlement method for making a settlement, wherein the settlement support organization is an organization that manages and operates communication by the mobile information terminal owned by the user, and from the mobile information terminal to the settlement support organization via a communication line. Transmitting fee information on the price of the product or the service together with the payment request information; and at the payment support institution, from the payment support institution to the store based on the fee information received from the mobile information terminal. Processing the payment for the payment of the fee for the product or service of the mobile information terminal via the communication line from the payment support organization to the mobile information terminal. Transmitting settlement notification information for notifying that the settlement with the settlement support institution has been completed; and after the settlement between the store and the settlement support institution has been completed, the fee received from the mobile information terminal. Processing a payment from the user to the payment support institution for payment of the fee for the goods or the service based on the information. 7. The settlement method according to claim 6, wherein settlement between the user and the settlement support organization is performed via a credit card management company. 8. The settlement method according to claim 6, wherein the settlement support organization has transaction contract information previously exchanged between the user and the store. .