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WO2001067318A1 - Procede et systeme de reglement - Google Patents

Procede et systeme de reglement Download PDF

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Publication number
WO2001067318A1
WO2001067318A1 PCT/JP2000/001421 JP0001421W WO0167318A1 WO 2001067318 A1 WO2001067318 A1 WO 2001067318A1 JP 0001421 W JP0001421 W JP 0001421W WO 0167318 A1 WO0167318 A1 WO 0167318A1
Authority
WO
WIPO (PCT)
Prior art keywords
credit
settlement
identification information
mobile communication
information
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/JP2000/001421
Other languages
English (en)
Japanese (ja)
Inventor
Seiji Sanda
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Lts & Co Ltd
Original Assignee
Lts & Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Lts & Co Ltd filed Critical Lts & Co Ltd
Priority to AU2000229396A priority Critical patent/AU2000229396A1/en
Priority to PCT/JP2000/001421 priority patent/WO2001067318A1/fr
Publication of WO2001067318A1 publication Critical patent/WO2001067318A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing

Definitions

  • the present invention relates to a settlement technology, and more particularly to a technology effective when applied to settlement using a credit service network such as a credit card.
  • card When making a payment with this credit card (hereinafter abbreviated as “card”), it is necessary in principle to present a card with a signature signed on the back of the card at the card merchant store and sign the same signature on the specified sales slip. In the case of mail-order sales and telephone reservation sales, the omission of the signature is exceptionally accepted by the card company. In other words, in order to use the card, it is necessary to carry the card, or to transmit a forced number by telephone, electronic communication, facsimile or other communication means. Disclosure of the invention
  • Carrying the card carries the risk of being lost or stolen, and as a result, unauthorized use of the card by imitating a signature is likely.
  • transmission of card numbers via public communication means always involves the risk of card number leakage, and it is easy for unauthorized use by others using transaction forms such as mail-order sales and telephone reservation sales.
  • An object of the present invention is to provide a payment technology that can perform convenient and highly secure payment using a payment system using a credit card.
  • Another object of the present invention is to provide a payment technology capable of realizing a secure and convenient payment service quickly, at low cost, without constructing a new large-scale credit system. It is in.
  • Another object of the present invention is to provide a payment technique capable of performing highly secure payment without issuing a credit medium such as a credit card.
  • a card function is provided by a mobile communication terminal device (hereinafter, abbreviated as “mobile device”) and a server that is installed in the server, equipped with a force function. It eliminates the risk of loss or theft by eliminating the need for a mobile phone, as well as enabling forcible payment without the need to disclose the card number.
  • the present invention solves this problem by using a mobile device instead of a card that is currently widespread, and in the future, the spread of the present invention makes it unnecessary to issue the card itself.
  • the present invention operates as follows as an example.
  • the user When a user wants to pay by card at a card merchant, the user sends the payment information from his / her mobile device to the data center, instead of presenting the conventional password. For this call, a function has been added to enable one-touch calling to the phone number May be.
  • the database of the user's mobile phone number provided by the mobile communication carrier or mobile communication line reseller hereinafter collectively referred to as “the business operator, etc.”
  • a card number database for each user provided by a credit card company has been constructed. A method in which a plurality of card companies are registered and the user selects a card company to be used for each settlement can be adopted.
  • the caller ID display function When a call is received from a user, the caller ID display function enables the caller to be identified, and the user's card number is immediately derived.
  • the data center transmits the card number and the information required for card payment entered by the user to the card company, and the card company performs credit confirmation in card payment as in the past. If the credit is confirmed and the settlement is completed, the credit card company's Credit Authorization Terminal (CAT) (from the credit and finance information service system) (as usual) is issued from the credit card company.
  • CAT Credit Authorization Terminal
  • Payment information is transmitted to terminals, etc., and sales slips are printed.
  • the card number is printed on the upper vote, but in the present invention, the card number is not printed, and the mobile phone number transmitted instead of the force presentation or the user identification number managed separately is used.
  • the user is identified by printing.
  • the user's card number is only transmitted between the card companies from the day and night, and before and after that, the card number is not displayed at all and the card can be settled. Therefore, the user's card number is maintained only within the company or the company, and there is no need to notify or record it outside the company, so there is no opportunity to disclose it and security is ensured. high. According to this method, it is possible to make the card itself unissued.
  • FIG. 1 is a conceptual diagram illustrating an example of a configuration of a payment system that performs a payment method according to an embodiment of the present invention.
  • FIG. 1 is a conceptual diagram illustrating an example of a configuration of a payment system that performs a payment method according to an embodiment of the present invention.
  • reference numeral 10 denotes a credit card company
  • 20 denotes a member of a credit card service network operated by the credit card company 10
  • a service dealer Reference numeral 30 denotes a mobile communication carrier
  • 40 denotes a mobile terminal such as a mobile communication terminal used in a mobile communication network operated by the mobile communication carrier
  • 50 denotes a mobile communication contractor
  • 60 is a mobile communication service company with a credit card function (hereinafter abbreviated as “day / night”)
  • 70 is a subscriber information management data provided in In the evening
  • the contractor information management database 70 includes, as an example, a mobile phone number 71 (MIN) (first identification information) assigned to the mobile station 40 and a credit card corresponding to the mobile phone number 71.
  • the number 73 (second identification information) is registered in association with it.
  • the personal information 74 of the contractor with the card company name 72 and the mobile device 40 credit card number 73 is registered as necessary.
  • the identification of each mobile device 40 and the user authentication in the mobile communication network constituting a part of the settlement system for carrying out the settlement method of the present embodiment are performed by the credit card itself or the credit card.
  • the credit card itself or the credit card explain that it can be realized at a much higher security level than when using a card number or the like.
  • a unique number is electrically written into each mobile device 40.
  • This unique identification code forms a multi-layer structure in which the following four types of numbers are stored for each unit.
  • Identification code C1 ESN (E1 ectric Serial Number)
  • Identification code C2 MIN (Mobi1eIdentificat on Numbe r: mobile phone number 71)
  • Identification code C3 PSN or JSN (the number printed on the label of mobile device 40) issue)
  • Identification code C4 PIN (Pe r s ona l I d ent i f i cat at N umbe r: Personal identification number) (for unlocking dial lock on user 50 side, can be changed by user 5 °)
  • identification code C1 to identification code C4 can be decrypted / changed depending on the intended use, but the settings are different, but they are encrypted in the internal element of the mobile device 40 (except for the identification code C4 PIN). Is done.
  • the identification code C 1 cannot be read out by operating the mobile device 40.
  • the jigs for writing / reading are strictly managed by the manufacturer or the mobile communication carrier 30. Even if the storage portion inside the mobile device 40 is mechanically moved to another mobile device 40, it is impossible to transfer the numbers simply by relocating the semiconductors because there is an ID between the internal semiconductors.
  • the identification code C2 is the telephone number of the mobile 40 written exclusively by the mobile communication carrier 30 at the time of contract.
  • the identification code C3 is a unique number assigned by the mobile communication carrier 30 during the production of the mobile device 40 and cannot be changed.
  • the mobile communication carrier 30 writes the identification code C4 into the mobile device 40 at the time of contract and can be changed by the user 50. (However, the "changed number" is not stored except for the mobile device 40.)
  • the identification of the mobile device 40 in the mobile communication carrier 30 is a combination of the above-mentioned ESN and MIN, and the verification is performed by collating these at the facility of the mobile communication carrier 30. At this time, the number is transmitted to the space in the wireless section, but is encrypted and transmitted using an authentication key with no regularity.
  • the mobile communication carrier 30 specifies the mobile device 40 in addition to the above-described method, and a passcode verification is performed.
  • the certainty of the identity of the user in the mobile device 40 is much higher than the identity of the user in the conventional card.
  • the traditional card In this embodiment, the user 50 is specified only by the card itself or by two points including the personal identification number, but in this embodiment, the combination of ESN and MIN is added in addition to the two points. This is because the user 50 (mobile device 40) can be specified.
  • each mobile device 40 has an extremely high degree of discrimination. As described above, the connection between the credit card number 73 corresponding to the machine 40 becomes extremely strong. However, since the mobile device 40 itself is a physical entity like a card, it is possible for others to try to use the mobile device 40 illegally through theft or detection. In the current technology, there is no means to completely prevent the loss or theft of portable items worn and carried by people. Since the mobile device 40 in the present embodiment also has a function as an alternative to force, Cannot be completely prevented. As a measure to prevent unauthorized use, in the case of a card, only a signature that can be easily copied is provided.
  • User authentication method A1 Use of a password (identification code C4: mobile terminal PIN) that can be set by the user 50 on the mobile terminal 40 as desired. If the lock is not released by inputting the correct password, the mobile device 40 will not operate, and not only the card settlement according to the present invention but also a normal telephone call cannot be made.
  • a method such as confirmation by voice recognition of the person or confirmation by fingerprint recognition of the person.
  • User authentication method A2 When transmitting the information required for card settlement from mobile device 40 to data center 60, the user is required to enter card PIN 85 (card PIN).
  • card PIN 85 card PIN
  • This card security code 85 is the card security code 85 required to be registered by the credit card company 10 when the user 50 enrolls in card service or a separately registered number, and is added to the payment information.
  • Purchase price 8 2 is a constant for more than the settlement amount of money to force the input of the card personal identification number 8 5, or the card personal identification number 8 5 may be considered a force s options, such as to expand the dog the credit limit by the input of, these Is related to the product design of credit card company 10 and will be added at the request of credit card company 10.
  • the operation of the settlement system that performs the settlement method of the present embodiment will be described.
  • C t 1 Merchant agreement between credit card company 10 and merchant (goods / service store 20),
  • C t 2 Membership agreement between credit card company 10 and user 50 (membership agreement),
  • C t 3 Line between mobile communication service company 60 with credit card function (data center administrator), which is the service provider of the present embodiment, and mobile communication carrier 30 etc.
  • credit card function data center administrator
  • mobile communication carrier 30 etc.
  • C t 4 Includes information provision and business outsourcing between credit card company 10 and mobile communication service company 60 with credit card function (de-Ichiyu Senyu Manager), which is the service provider of the present embodiment.
  • Ct5 Communication service use contract between user 50 and mobile communication carrier 30, etc.
  • Ct6 Service contract between user 50 and mobile communication service company with credit card function 60 (a service manager for the day) that is the service provider of the present embodiment.
  • Ct7 Approval agreement for provision of information between user 50 and credit card company 10
  • Ct8 Provision of information between user 50 and mobile communication carrier 30, etc. Approval agreement.
  • Step S1 CAT ⁇ G-CAT ⁇ IC card terminal or similar card payment terminal (hereinafter collectively referred to as “CAT terminal”) or a card affiliated store that does not have a CAT terminal Product consisting of member stores, etc.
  • CAT terminal CAT ⁇ G-CAT ⁇ IC card terminal or similar card payment terminal (hereinafter collectively referred to as “CAT terminal”) or a card affiliated store that does not have a CAT terminal Product consisting of member stores, etc.
  • CAT terminal similar card payment terminal
  • Step S2 Sales consent by the member store (goods / service store 20) and transmission of necessary information such as the member store terminal ID number to the user 50.
  • the transmission method may be any one of a method of direct transmission to the mobile device 40 via verbal, written, or barcode, wired connection, radio wave, or a combination thereof.
  • Step S3 When the user 50 starts using the mobile device 40 for card payment work, as described in the above ⁇ security processing S30>, for example, the user locks the dial by inputting a password. Cancel. As a key for unlocking, it is possible to use a voice or a fingerprint in addition to the password method.
  • Step S4 The user 50 sends the card payment information 80 from the mobile device 40 to the data center 60 managed by the service provider (data overnight manager) in a normal communication operation.
  • the user enters his / her card payment information 80 in accordance with the guidance of automatic voice or text display, and inputs the information such as the merchant terminal ID 81 received in the above (Step S 2) and the purchase price 8 2 Input, payment method 8 3 (one-time payment, installment payment, etc.), etc., and transmit the information to 60
  • the communication method can be either a packet switching method or a circuit switching method. If the user 50 has registered a plurality of passwords for settlement, selection of a card company to be used for the current settlement is made as other information 84 included in the force settlement information 80.
  • Step S5 The mobile communication carrier 30 connects the communication (forced payment information 80) transmitted from the mobile device 40 to the destination (data center 60) in the process of connecting the ⁇ As exemplified in the security process S10> and the security process S20>, to identify and authenticate the mobile device 40, the data related to the transmission of this specific mobile device 40 To the server 60 As a result, the completion of the identification of the mobile device 40 by the mobile communication carrier 30 is ensured.
  • the line from the mobile telecommunications carrier 30 to the data center 60 can be connected to the Internet, but a dedicated line connection is more secure.
  • the transmission information 90 transmitted from the mobile communication carrier 30 to the data center 60 is the authenticated telephone number 91 obtained in the authentication process of the specific mobile device 40 and the above-mentioned card decision. Information 80.
  • the transmission of the authenticated telephone number 91 is realized by, for example, a caller ID notification service set from the mobile communication carrier 30 to the day 60.
  • Step S6 In the day 60, the sender's number (authenticated telephone number 91) of the above communication (step S4) is used as a key, and the authentication is performed from the subscriber information management database 70.
  • the credit card number 73 of the user 50 corresponding to the completed telephone number 91 (mobile phone number 71) is obtained, and the card settlement information 80 entered in the above (step S4) is added.
  • the data center 60 is basically dedicated to the information transit point, and the user 50 enters the password settlement information 80 entered in the above (Step S 4) into the credit card number ⁇ 3 (and moves as necessary). Set this to the mobile phone number 7 1) and send it to Credit Card Company 10.
  • the subscriber information management database 70 in the day 60 is the mobile information carrier 30 and the personal information of the user 50 provided by the credit card company 10. It is constructed based on information such as 74, mobile phone number 71, credit card number 73, card company name 72, etc., and is constantly updated.
  • Step S7 The data transmitted to the credit card company 10 is processed as usual, such as through credit confirmation, etc., to the CAT terminal etc. of the member store (product-service store 20) through a shared network such as CAFIS. It is distributed as sales information 110, etc.
  • an alternative number such as a mobile phone number 71 is transmitted from the credit card company 10 to the goods / service store 20 as information for confirming settlement. What is to be done is as described above.
  • the combination of the mobile phone number 71 and the credit card number 73 is stored in advance in the subscriber information management data base 70 instead of the mobile phone number 71.
  • the credit phone ID (third identification information) that has been set for may be used. As a result, both the mobile phone number 71 and the credit card number 73 are not disclosed.
  • the sales information 110 delivered from the credit card company 10 to the goods and service store 20 is the mobile phone number 71, the purchase price 82, the payment method 83, together with the settlement approval number 111. , Other information 84, etc.
  • sales information 110 is distributed to CAT terminals and the like at member stores (goods and service stores 20), and at the same time, sales information 110 Can be sent back to the mobile device 40 of the user 50 from the data server 60.
  • the result of credit confirmation etc. is transmitted regardless of approval / disapproval, or the result is transmitted only in the case of disapproval. Since these are related to the credit card company 10 product design, it is a function that should be added in response to the credit card company 10 request.
  • Step S8 At the member store (the product's service store 20), the sales processing is completed and the user 50 Perform identity verification. Replaced with conventional credit card number 73 Then, by displaying and printing the transmitted mobile phone number 71, it is possible to specify which user 50 and the transaction are to be settled, thereby preventing the credit card number 73 from being disclosed.
  • a service store 20 it is convenient to call the printed mobile device telephone number 71 and call the user 50 by ringing a ring tone or confirm it. As a result, the card settlement is completed, and the member store (goods service store 20) hands over the goods / services and the card usage copy to the user 50.
  • Step S7 receiving payment information from the De-Isou Sen 60 or credit card company 10 to confirm payment from the user 50, etc.
  • Step S7 The method of executing delivery of goods and services can be used.
  • the credit card itself is divided into the credit card number by the normal communication operation to the data center 60 using the mobile device 40. It is possible to easily use the credit card payment system with a high security level by using the high distinctiveness of each mobile device 40 provided in the mobile communication network itself without using such a method. Become. This eliminates the risk of loss or theft by eliminating the need to carry a credit card, and eliminates the risk of card duplication and counterfeiting by enabling forced payment without disclosing the card number. It is possible to do.
  • the mobile device 40 instead of the credit card, it becomes unnecessary to issue the credit card itself, and it is possible to provide a credit service with a high security level quickly and at low cost.
  • the credit medium is not limited to credit cards, and can be applied to an instant payment system using a cash card.
  • the account number is registered and used in the subscriber information management data base 70.

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  • Business, Economics & Management (AREA)
  • Development Economics (AREA)
  • Accounting & Taxation (AREA)
  • Economics (AREA)
  • Finance (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Un centre de données (60) doté d'une base de données (70) de gestion d'information de prestataires dans laquelle un numéro de téléphone portable (71) et un numéro de carte de crédit (73) attribués à chaque téléphone portable (40) sont corrélés et enregistrés, se trouve interposé entre, d'une part, un réseau de service d'autorisation englobant une société émettrice de carte de crédit (10), des magasins de biens et de services (20), et un détenteur de carte de crédit et, d'autre part, un réseau de communication mobile comprenant une société de communication mobile (30) et des téléphones portables (40). L'utilisateur (50) transmet une information de règlement par carte (80) au centre de données (60) en faisant fonctionner le téléphone portable (40) de manière à établir une communication, le numéro de carte de crédit (73) est lu à partir de la base de données de gestion d'informations de prestataires (70) en fonction du numéro (71) du téléphone portable (40). L'information de règlement par carte (80) et le numéro de carte de crédit (73) sont transmis à la société émettrice de carte de crédit (10), et le règlement est effectué sans utilisation du numéro de carte de crédit (73).
PCT/JP2000/001421 2000-03-09 2000-03-09 Procede et systeme de reglement Ceased WO2001067318A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
AU2000229396A AU2000229396A1 (en) 2000-03-09 2000-03-09 Settlement method and settlement system
PCT/JP2000/001421 WO2001067318A1 (fr) 2000-03-09 2000-03-09 Procede et systeme de reglement

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/JP2000/001421 WO2001067318A1 (fr) 2000-03-09 2000-03-09 Procede et systeme de reglement

Publications (1)

Publication Number Publication Date
WO2001067318A1 true WO2001067318A1 (fr) 2001-09-13

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/JP2000/001421 Ceased WO2001067318A1 (fr) 2000-03-09 2000-03-09 Procede et systeme de reglement

Country Status (2)

Country Link
AU (1) AU2000229396A1 (fr)
WO (1) WO2001067318A1 (fr)

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH10240816A (ja) * 1997-02-27 1998-09-11 Hitachi Ltd 商品購入によって電子決済を行うシステム及び方法
US5886333A (en) * 1996-11-15 1999-03-23 Miyake; Susumu Method for electronically transferring personal information on credit gaining card, and mini IC card, adapter card, terminal adapter, slip issuing device, portable used therein
JPH11184947A (ja) * 1997-12-19 1999-07-09 Daiwa Institute Of Research Ltd 電子バリューの入出力が可能な移動無線電話機端末、電子バリューを移動無線電話機端末に充填するための街頭充填端末、電子バリュー発行装置、電子バリュー受け取り装置、及び移動無線電話機端末を利用した電子決済方法
JP2000059516A (ja) * 1998-08-03 2000-02-25 Woody:Kk 移動電話とコンピューターテレフォニーの融合システム およびこれを利用したクレジット決済システム。

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5886333A (en) * 1996-11-15 1999-03-23 Miyake; Susumu Method for electronically transferring personal information on credit gaining card, and mini IC card, adapter card, terminal adapter, slip issuing device, portable used therein
JPH10240816A (ja) * 1997-02-27 1998-09-11 Hitachi Ltd 商品購入によって電子決済を行うシステム及び方法
JPH11184947A (ja) * 1997-12-19 1999-07-09 Daiwa Institute Of Research Ltd 電子バリューの入出力が可能な移動無線電話機端末、電子バリューを移動無線電話機端末に充填するための街頭充填端末、電子バリュー発行装置、電子バリュー受け取り装置、及び移動無線電話機端末を利用した電子決済方法
JP2000059516A (ja) * 1998-08-03 2000-02-25 Woody:Kk 移動電話とコンピューターテレフォニーの融合システム およびこれを利用したクレジット決済システム。

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Publication number Publication date
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