JP2008134935A - Settlement system, authentication settlement device, and portable terminal - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a settlement system for enabling a user to make settlement with a credit card by using a portable telephone without anxiety. <P>SOLUTION: When a user makes settlement with a credit card in a shop on a network by a portable telephone 10, the name of the shop and the solid identification number and settlement sum of the portable telephone 10 are reported from the shop to an authentication settlement device (S11). An authentication module 31 confirms the shop by using a shop database 32 (S12), and confirms the presence/absence of the solid identification number by using a customer database 33 (S13). When there is not any problem, the user is made to input a password, and to select a credit card, and to make settlement with the credit card (S14 to S19). <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a payment system using a mobile terminal, an authentication payment apparatus, and a mobile terminal, and more particularly, to a payment system, an authentication payment apparatus, and a mobile terminal that enable payment using a credit card.

A mail order method for making a settlement using a conventional credit card is disclosed in, for example, Japanese Patent Application Laid-Open No. 2004-29972 (Patent Document 1). According to Patent Document 1, the number of the handling product described in the medium on which the product of the merchandise seller is posted is managed together with the mobile phone terminal number and the user's personal identification number using the mobile phone data communication function. The management server accepts the purchase procedure of the product, and the payment of the accepted product is made with a credit card number corresponding to the mobile phone terminal number registered in advance in the server.
JP 2004-29972 A (summary)

  Conventional payment methods using credit cards have been performed as described above. Conventionally, the terminal number of the mobile phone registered in advance in the server is the user's name, phone number, e-mail address, and the like.

  However, if the user's name, phone number, and e-mail address are used to identify the user's mobile phone, the user can be impersonated, and the user can use the credit card via the mobile phone with peace of mind. There was a problem that payment could not be made.

  The present invention has been made to solve the above-described problems, and an object of the present invention is to provide a settlement system, an authentication settlement apparatus, and a portable terminal that allow a user to pay with a credit card using a portable terminal with peace of mind. And

  The payment system according to the present invention is a payment system that includes a mobile terminal and an authentication payment apparatus that can be accessed by the mobile terminal, and performs payment using a credit card via the mobile terminal. The portable terminal has a unique individual identification number, the portable terminal includes transmission means for transmitting the inputted personal identification number and the individual identification number, and the authentication settlement apparatus receives the personal identification number and the individual identification number from the portable terminal. A receiving means, a database storing information relating to the credit card associated with the personal identification number and the individual identification number, and based on the personal identification number and the individual identification number received by the receiving means based on the database, Authentication means for performing personal authentication, and payment means for performing payment using information on the credit card associated with the personal identification number and the individual identification number after the authentication means performs the personal authentication.

  Based on the personal identification number and the individual identification number unique to the portable terminal, the personal identification of the owner of the portable terminal is performed, and payment is made using a credit card associated with the portable terminal registered in advance. Since a personal identification number unique to the mobile terminal is used, impersonation by a third party is impossible.

  As a result, it is possible to provide a payment system in which the user can pay with a credit card using a mobile terminal with peace of mind.

  Preferably, the solid identification number includes a manufacturing number of the mobile terminal.

  Another aspect of the present invention relates to an authentication settlement apparatus that can be accessed by a mobile terminal and performs settlement using a credit card. The portable terminal has a unique individual identification number, and the authentication settlement apparatus stores information on a receiving unit that receives the personal identification number and the individual identification number from the portable terminal and a credit card associated with the personal identification number and the individual identification number. A database, an authentication means for authenticating the owner of the portable terminal based on the personal identification number and the solid identification number received by the reception means based on the database, and after the authentication means authenticates the personal identification number and Payment means for making a payment using information on the credit card associated with the individual identification number.

  Still another aspect of the present invention relates to a portable terminal that can access an authentication settlement apparatus that performs a settlement using a credit card. The portable terminal has a unique identification number, an input means for inputting a personal identification number, a transmission means for transmitting the inputted personal identification number and the individual identification number, and a credit card associated with the personal identification number and the individual identification number A receiving means for receiving information relating to a credit card associated with a personal identification number and a solid identification number transmitted by the transmitting means from an authentication settlement apparatus having a database storing information relating to the authentication settlement apparatus; Instruction means for instructing to make a settlement.

  Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram showing a settlement system according to an embodiment of the present invention. Referring to FIG. 1, the payment system includes a mobile terminal such as a mobile phone 10 used by a user, a shop 20 on a network such as the Internet accessible by the mobile phone 10, an authentication payment device 30, A payment server 40. The authentication settlement apparatus 30 performs personal authentication based on a credit card settlement instruction from the mobile phone 10. The settlement server 40 performs final credit card settlement.

  FIG. 2 is a block diagram showing a configuration of the shop 20 on the network. With reference to FIG. 2, the shop 20 is a program for automatically switching the access destination from the shop 20 to the authentication settlement apparatus 30 in the communication between the shop module 21 which is a program for displaying the shop itself and the mobile phone 10. A redirect module 22.

  FIG. 3 is a block diagram illustrating the configuration of the authentication settlement apparatus 30 and the settlement server 40 that is connected to the authentication settlement apparatus 30 and performs credit card settlement. Referring to FIG. 3, the authentication settlement apparatus 30 communicates with the mobile phone 10 to authenticate the person and operates as an authentication means. The authentication module 31, the transaction log storage database 32, the customer database 33, and the shop database 34 and a payment module 35.

  The transaction log database 32 stores communication histories with customers and shops. The customer database 33 stores customer data of customers who have the mobile phone 10. The shop database 34 stores shop data. Here, it is assumed that the data of the user who is the customer and the data of the shop are stored in the respective databases 33 and 34 in advance. The payment module is a module that transmits data to the payment server 40 that actually performs payment with a credit card in accordance with an instruction from a customer authenticated by the authentication module.

  The shop 20, the authentication settlement apparatus 30, and the settlement server 40 on the network are basically computers, and have a CPU that controls the entire apparatus and an input / output device. Each module is a program that runs on the CPU.

  The customer data includes a name, a personal identification number, a telephone number of the mobile phone 10, and a unique number different from the telephone number (hereinafter referred to as “solid identification number”). This individual identification number varies depending on the carrier company of the mobile phone 10, but corresponds to a mobile ID (manufacturing number) for NTT DoCoMo, a sub-criber ID for au, a user ID for SoftBank, and the like. The customer data includes information related to the credit card held by the customer, which is associated with the personal identification number and the individual identification number. If there are a plurality of credit cards, information on a plurality of credit cards is also stored.

The shop data includes a shop name, a personal identification number, and the like.
Next, a case where payment is made with a credit card using the mobile phone 10 in this payment system will be described. FIG. 4 is a diagram showing a processing procedure in this case, and shows communication contents between the mobile phone 10 and the authentication settlement apparatus 30. As shown in FIG. 4, each of the mobile phone 10 and the authentication settlement apparatus 30 has transmission / reception means, and communicates necessary information shown below. The mobile phone 10 also has an input means such as a key that allows the user of the mobile phone 10 to input a personal identification number. This input means also functions as an instruction means for instructing to make a payment with a credit card.

Referring to FIG. 4, the user accesses shop 20 on the network with mobile phone 10, and inputs that he / she purchases a certain product and performs settlement with a credit card. Then, the process is transferred from the shop module 21 of the shop 20 shown in FIG. 2 to the redirect module 22, and the access of the mobile phone 10 is automatically transferred to the authentication module 31 of the authentication settlement apparatus 30. Then, the authentication module 31 is notified of the name of the shop, the individual identification number of the mobile phone 10, and the payment amount (step S11, hereinafter, steps are omitted).

  The authentication module 31 determines whether or not the shop notified by using the shop database 34 is registered in the shop database 34 in advance (S12). If registered, it is next determined whether or not the individual identification number of the mobile phone 10 is registered in the customer database 33 (S13). If registered, the user is prompted to enter a password from the mobile phone 10 (S14). This is performed by displaying an input prompt on a screen (not shown) of the mobile phone 10. When the personal identification number is input from the mobile phone 10 (S15), the authentication module 31 checks the personal identification number based on the data stored in the customer database 33 (S16).

  As described above, in this embodiment, personal authentication is performed using the individual identification number and the personal identification number of the mobile phone 10 on the basis of a credit card settlement instruction from the mobile phone 10. Therefore, it is possible to authenticate the user securely.

  If there is no problem with the password, the user is then allowed to select a credit card (S17). The user selects a credit card from the mobile phone 10 (S18). When a plurality of customer credit cards are registered in the customer database 33, the company names of the plurality of registered credit cards are displayed on a screen (not shown) of the mobile phone 10 to be selected by the user (S18).

  When a credit card is selected by the user, the selected credit card is notified to the settlement module 35. The payment module 35 accesses the payment server 40 of the selected credit card and performs payment. The settlement server 40 operates as a settlement means.

  In the above embodiment, the case where the mobile phone 10 accesses a shop on the network and settles with a credit card at the shop on the network has been described. In the case of making a payment, the payment may be made by an authentication payment apparatus. Further, the present invention may be applied to a case where an Internet shop is accessed using another personal computer, a PDA (Personal Data Assistant) or the like instead of a shop on the Internet accessed from a mobile phone, and payment is made with a credit card. In this case, the customer database 33 stores not only mobile phones but also identification information such as personal computers and PDAs in advance.

  Moreover, in the said embodiment, although the case where the authentication payment apparatus and the payment server were different was demonstrated, not only this but these may be integrated.

  As mentioned above, although embodiment of this invention was described with reference to drawings, this invention is not limited to the thing of embodiment shown in figure. Various modifications and variations can be made to the illustrated embodiment within the same range or equivalent range as the present invention.

It is a block diagram which shows the whole structure of the payment system which concerns on one embodiment of this invention. It is a block diagram which shows the outline of the shop which concerns on this embodiment. It is a block diagram which shows the structure of an authentication payment apparatus. It is a figure which shows the operation | movement procedure of the payment system which concerns on one embodiment of this invention.

Explanation of symbols

  10 mobile phone, 20 shop, 21 shop module, 22 redirect module, 30 authentication settlement device, 31 authentication module, 32 transaction log, 33 customer database, 34 shop database, 40 settlement server.

Claims (4)

A payment system including a mobile terminal and an authentication payment apparatus accessible by the mobile terminal, wherein payment is performed using a credit card via the mobile terminal;
The portable terminal has a unique solid identification number;
The portable terminal includes a transmission means for transmitting the input personal identification number and the individual identification number,
The authentication settlement apparatus includes:
Receiving means for receiving the personal identification number and the individual identification number from the portable terminal;
A database storing information about a credit card associated with the personal identification number and the identification number;
Based on the database, based on the personal identification number and the solid identification number received by the receiving means, authentication means for authenticating the owner of the portable terminal,
A payment system comprising: payment means for making a payment using information related to a credit card associated with the personal identification number and the individual identification number after the authentication means performs identity authentication. The payment system according to claim 1, wherein the solid identification number includes a manufacturing number of the mobile terminal. An authentication settlement apparatus that is accessible by a mobile terminal and performs settlement using a credit card,
The portable terminal has a unique solid identification number;
Receiving means for receiving a personal identification number and the individual identification number from the portable terminal;
A database storing information about a credit card associated with the personal identification number and a solid identification number;
Based on the database, based on the personal identification number and the solid identification number received by the receiving means, authentication means for authenticating the owner of the portable terminal,
An authentication settlement apparatus, comprising: a settlement unit that performs settlement using information related to a credit card associated with the personal identification number and the individual identification number after the authentication unit performs personal authentication. A portable terminal that is accessible to an authentication payment apparatus that performs payment using a credit card,
Have a unique solid identification number;
An input means for inputting a personal identification number;
A transmission means for transmitting the entered personal identification number and the individual identification number;
Receiving means for receiving information on the credit card associated with the personal identification number and the solid identification number transmitted by the transmitting means from a payment apparatus having a database storing information on the credit card associated with the personal identification number and the solid identification number. When,
A portable terminal comprising: instruction means for instructing the payment apparatus to perform payment by the credit card.

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