JP2002279326A - Computer system and transaction application processing method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To secure safety of a transaction by changing settlement method according to an identification result. SOLUTION: This computer system processing a transaction application from a customer is provided with a means for receiving the identification result of the customer applying to the transaction from an identification means and storing it in a storage device, a settlement method determining means determining the settlement method in the transaction, based on the identification result, and a means notifying the determined settlement method to the customer. The settlement method is thus changed, based on the identification result, for example, if the identification result is negative, the price is deposited in advance; while if it is positive, the price is collected later, etc., so as to secure safety of the transaction. Furthermore, there is no need to notify the identification result to the customer.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a technique for determining a settlement method when processing a transaction application from a customer.

[0002]

2. Description of the Related Art For example, Japanese Patent Laying-Open No. 2000-215279 discloses a technique for dynamically optimizing the relationship between the cost required for personal authentication and the accuracy of personal authentication according to the value to be protected by personal authentication. I have. That is, the input of the purchase amount and the personal identification number is accepted, and if the purchase amount is lower than the set value, the settlement is performed if the input encryption number matches the personal identification number stored in the IC card. On the other hand, if the purchase price is higher than the set value, the fingerprint of the user is read, and the settlement is performed only when the read fingerprint matches the fingerprint stored in the IC card.

[0003]

In such prior art, the authentication method is changed depending on the amount of money, but the change of the settlement method is not a problem. If authentication is not possible, another person may be accessing it. However, if the user forgets the password or performs voice authentication, the customer may not be able to authenticate because of a cold. Even in such a case, if authentication is not possible, the transaction is refused, and the transaction range is narrowed. Nevertheless, treating a customer in the same way as a normal customer despite a negative authentication result is very problematic in terms of transaction security.

Accordingly, an object of the present invention is to provide a technique for changing the settlement method according to the result of the authentication to secure the transaction.

Another object of the present invention is to provide a technique which enables secure transactions without narrowing the transaction range by changing the settlement method according to the result of the authentication.

[0006]

According to a first aspect of the present invention, a computer system for processing a transaction application from a customer receives an authentication result for the customer who has made the transaction application from an authentication unit, and stores the authentication result in a storage device. It has means for storing, means for determining a settlement method in the transaction based on the authentication result, and means for notifying the customer of the decided settlement method.

[0007] In this way, the payment method is changed based on the authentication result, for example, if the authentication result is negative, the payment is made first, and if the authentication result is positive, post-payment is performed, thereby ensuring the security of the transaction. be able to. It is not necessary to inform the customer of the authentication result.

The above-described settlement method determining means may be configured to determine a settlement method according to the level of authentication accuracy included in the authentication result. That is, authentication accuracy 0-30 is classified into level 1; authentication accuracy 31-70 as level 2; authentication accuracy 71-100 as level 3, and the level 1 is paid in advance and the level 2 is credit. Card payment and post-payment in the case of level 3 are possible.

Further, the above-mentioned settlement method determining means includes
When there are a plurality of authentication means, an authentication accuracy level may be calculated based on a plurality of authentication results by the authentication means, and a settlement method corresponding to the authentication accuracy level may be determined. Further, when there are a plurality of authentication means, a configuration may be adopted in which the total authentication accuracy is calculated based on a plurality of authentication results by the plurality of authentication means, and the settlement method is determined based on the overall authentication accuracy. .
For example, when the authentication accuracy as the authentication result of the A authentication process is 30 and the authentication accuracy as the authentication result of the B authentication process is 50, 30 × 0.3 (weight coefficient) + 50 × 0.7 (weight A total authentication accuracy of (coefficient) = 44 is calculated. Then, if the total authentication accuracy 44 is included in the authentication accuracy level 2, for example, it is determined that the payment is by credit card.

The settlement method determining means determines whether the authentication of the customer is successful or unsuccessful. If there are a plurality of authentication methods, the number of authentication results indicating the success or the authentication result indicating the failure is determined. May be determined based on the number of payment methods. For example, if two types of authentication processing are performed with success or failure as the authentication result, if there are two failures, the authentication accuracy level 1 is set as the advance payment, and if there is one success, the authentication accuracy level 2 is set as the price. Payment will be made in exchange, and if there are two successes, certification accuracy level 3
A configuration in which credit card payment is used is also possible.

The above-described settlement method determining means may determine the settlement method according to the authentication result even when the authentication result by the authentication means indicates a negative result. It is possible. That is, even if the authentication result normally rejects the transaction, the transaction is completed if, for example, the advance payment is approved.

According to a second aspect of the present invention, there is provided a method for processing a transaction application from a customer, comprising the steps of: receiving, from an authentication means, an authentication result for the customer who has made the transaction application; storing the authentication result in a storage device; A settlement method determining step of determining a settlement method in the transaction; and a step of notifying the customer of the determined settlement method.

The modification according to the first aspect of the present invention is applicable to the second aspect of the present invention.

The transaction application processing method according to the second aspect of the present invention can be realized by a combination of a program and a computer. In this case, the program includes, for example, a floppy (registered trademark) disk, ROM,
It is stored in a storage medium or storage device such as a magneto-optical disk, a semiconductor memory, and a hard disk. The program may be transmitted via a network. The data being processed is temporarily stored in the memory of the computer.

[0015]

[First Embodiment] FIG. 1 shows an outline of a system according to a first embodiment of the present invention. In the present embodiment, the public telephone network 1 is connected to customer telephones 3 and 5, and the like, and a sales system 7 for performing main processing in the present embodiment. In the present embodiment, a description will be given of a product sales as an example, but the present invention is also applicable to a case of applying for a service. The sales system 7 includes an automatic voice response device (IVR: Intelligent) connected to the public line network 1.
and a processing unit 73 that controls the sales system 7 in cooperation with the IVR 71 and the like, and an A authentication processing unit 7 that performs authentication processing for customers who make calls.
9a, a B authentication processing unit 79b and a C authentication processing unit 79c,
A transaction DB 75 that stores customer information, details of transactions, a settlement method, and the like for each customer, and a customer DB 77 that stores customer personal information and authentication information are included. Although three authentication processing units are shown in FIG. 1, the number and types of the authentication processing units differ depending on the settlement method determining method as described below. In the present embodiment,
It is assumed that the IVR 71 includes a voice recognition processing unit and a voice synthesis processing unit.

Next, a processing flow in the first embodiment of the system shown in FIG. 1 will be described with reference to FIG. In the first embodiment, only the A authentication processing unit 79a is used.
It is assumed that the authentication processing unit 79a performs, for example, voice authentication processing based on free speech and outputs the authentication accuracy as a numerical value from 0 to 100.

For example, if a customer calls the sales system 7 using the telephone 3, the IVR 71 responds to a call from the customer. And IVR71 is
First, the user is prompted to input a member number, for example, and the customer presses a button on the telephone 3 to obtain the input member number (step S1). Note that a configuration in which the member number is uttered by voice to perform voice recognition may be employed. In this case, the voice information obtained by uttering the member number may be used for voice authentication processing performed below.

Next, the IVR 71 requires the customer to speak some language to perform the authentication process. When the customer speaks some words, the processing unit 75 receives the voice information of the customer from the IVR 71, and furthermore, the A authentication processing unit 79a
Output to Then, the A authentication processing unit 79a performs an authentication process using the voice information of the customer and the registered model data included in the customer DB 77 and corresponding to the acquired member number (step S3). As described above, the authentication accuracy as a result of the authentication processing is output as a numerical value from 0 to 100.

Then, the processing unit 73 determines a settlement method according to the authentication accuracy (step S5). For example, when the authentication accuracy is 0-30, the product is shipped after the payment is confirmed, and the authentication accuracy is 31.
-60, cash on delivery, authentication accuracy 61-80, credit card payment, authentication accuracy 81-100
In the case of, the relationship between the authentication accuracy such as post-payment (payment on a transfer sheet sent with the product, etc.) and the settlement method is defined. In step S5, the settlement method corresponding to the current authentication accuracy value is acquired according to the relationship between the authentication accuracy and the settlement method, and stored in the storage device.
Note that the result of the authentication processing is not presented to the customer.

After the authentication process, the IVR 71 conducts a transaction dialogue, for example, prompting the input of the number of the ordered product, the product name, the quantity, and other order information, and obtains information on the content of the transaction (step S7). . The acquired transaction content information is temporarily stored in the storage device. If all the information for the transaction has been obtained from the customer, the customer is notified of the settlement method determined in step S5 (step S9). For example, "The price of the order you just received, xxx yen, will be paid by cash on delivery. Are you sure? Please press 0 and #. Please press. "The IVR 71 outputs a voice as a voice.

If the customer accepts the designated settlement method (step S11: Yes route), the process proceeds to step S11.
Payment method and transaction contents determined in 5 and customer DB 7
Transaction DB with customer information (name, address, etc.) obtained from 7
75 (step S13). And IVR7
1 outputs to the customer, for example, "Thank you for your order. We are waiting for your next order." The business operator operating the sales system 7 on the basis of the information registered in the transaction DB 75 executes shipping of ordered products, confirmation of payment, billing processing, and the like.

On the other hand, if the customer does not approve the specified settlement method (step S11: No route), the IVR
71 outputs, for example, a response to the effect that the order cannot be received to the customer (step S15). A configuration may be adopted in which a payment method corresponding to a lower authentication accuracy level is presented to a customer without trying to receive an order, and a test is made as to whether or not to accept the payment method again. For example, in the above-mentioned example, if it is determined in step S5 that the credit card payment is to be made but the customer does not approve, the customer is asked whether it can be accepted by cash on delivery. Further, the customer may be asked if the customer can accept the product after the payment is confirmed. However, if it is determined in step S5 that the merchandise is to be sent after the payment is confirmed, there is no settlement method corresponding to a lower authentication accuracy level, and the transaction is refused.
However, in this case, the transaction is refused because the customer did not approve the settlement method, and the transaction is not refused because authentication could not be performed as in the past.

Although the example in which the A authentication processing section 79a outputs a value of the authentication accuracy from 0 to 100 as an authentication result has been described, this is an example, and it is a case where numerical values in various ranges are output. However, the present embodiment is applicable.

By performing such a process, in the present embodiment, a payment method is determined according to the level of the authentication accuracy of the customer, and an attempt is made to establish a transaction with the customer by the payment method. Even if the authentication accuracy is low, if a payment method that can reliably collect the order price is specified, the security of the transaction can be improved. Since the transaction can be concluded unless the customer declines the decided payment method,
It does not narrow the range of transactions.

[Second Embodiment] Next, a second embodiment will be described with reference to FIG.
This will be described with reference to FIG. FIG. 1 shows the system outline of the second embodiment.
Is the same as that shown in FIG. However, in the present embodiment, A
The authentication processing unit 79a and the B authentication processing unit 79b are used. For example, it is assumed that the A authentication processing unit 79a performs voice authentication processing based on free speech and outputs the authentication accuracy as a numerical value from 0 to 100. On the other hand, the B authentication processing unit 79b performs a keyword authentication process in which the voice information of the registered keyword is compared with the voice information of the keyword spoken at the time of matching, and outputs the authentication accuracy as a numerical value from 0 to 100. Shall be.

For example, if a customer calls the sales system 7 using the telephone 3, the IVR 71 responds to a call from the customer. And IVR71 is
First, for example, the user is prompted to input a membership number, and the customer obtains the input membership number by pressing a button of the telephone 3 (FIG. 3: step S21). Note that a configuration in which the member number is uttered by voice to perform voice recognition may be employed.
In this case, the voice information obtained by uttering the member number may be used for voice authentication processing performed below.

Next, the IVR 71 requires the customer to speak some language in order to perform the A authentication process. When the customer speaks a certain word, the processing unit 75 receives the voice information of the customer from the IVR 71, and furthermore, the A authentication processing unit 79
output to a. Then, the A authentication processing unit 79a performs authentication processing using the voice information of the customer and the registered model data included in the customer DB 77 and corresponding to the acquired member number (step S23). As described above, the authentication accuracy as a result of the authentication process is output as a numerical value from 0 to 100.

Further, the IVR 71 requests the customer to speak a keyword in order to perform the B authentication process. When the customer speaks the keyword, the processing unit 75 receives the voice information of the customer from the IVR 71, and further, the B authentication processing unit 79b
Output to Then, the B authentication processing unit 79b performs an authentication process using the voice information of the customer and the registered keyword voice information included in the customer DB 77 and corresponding to the acquired member number (step S25). As mentioned above,
The authentication accuracy as a result of the authentication processing is output as a numerical value from 0 to 100.

Then, the processing unit 73 calculates the total authentication accuracy from the results of the A authentication process and the B authentication process, and determines a settlement method according to the total authentication accuracy (step S27). If the authentication result of the A authentication processing unit 79a and the authentication result of the B authentication processing unit 79b have the same weight, for example, the total authentication accuracy can be calculated by simply adding the two authentication accuracy. On the other hand, when the authentication accuracy a of the A authentication processing unit 79a is weighted twice as much as the authentication accuracy b of the B authentication processing unit 79b, the total authentication accuracy is calculated as a × 2 + b. Thus, the total authentication accuracy is calculated by changing the magnitude of the weight and adding the weights. The weight value may be set so that when all the weight values are added, the weight value becomes 1.

For example, when the total authentication accuracy is 0-60, the product is shipped after payment is confirmed, when the total authentication accuracy is 61-120, the cash on delivery is performed, when the total authentication accuracy is 121-160, the credit card payment is performed. Overall certification accuracy 161-
In the case of 200, the relationship between the total authentication accuracy such as post-payment (payment on a transfer sheet sent with the product) and the settlement method is defined. In step S27, the payment method corresponding to the current value of the total authentication accuracy is acquired in accordance with the relationship between the total authentication accuracy and the payment method, and stored in the storage device. Note that the result of the authentication processing is not presented to the customer.

After the authentication process, the IVR 71 conducts a transaction dialogue, for example, prompting the input of the number of the ordered product, the product name, the quantity, and other order information, and acquires the information of the transaction contents (step S29). . The acquired transaction content information is temporarily stored in the storage device. When all the information for the transaction is obtained from the customer, the customer is notified of the settlement method determined in step S27 (step S3).
1). For example, "The price of the order you just received xxx
Cash on delivery will be charged for yen. If you understand, please press 0 and #. If you do not agree, please press 1 and #. Is output from the IVR 71 as a voice.

If the customer accepts the designated settlement method (step S33: Yes route), the process proceeds to step S33.
Payment method and transaction contents determined in 27 and customer DB
Trading customer information (name, address, etc.) obtained from 77
Registered in B75 (step S35). And IVR
Reference numeral 71 outputs to the customer, for example, "Thank you for your order. We are waiting for your next order." The business operator operating the sales system 7 on the basis of the information registered in the transaction DB 75 executes shipping of ordered products, confirmation of payment, billing processing, and the like.

On the other hand, if the customer does not approve the specified settlement method (step S33: No route), the IVR
The 71 outputs, for example, a response to the effect that the order cannot be received to the customer (step S37). A configuration may be adopted in which a payment method corresponding to a lower authentication accuracy level is presented to a customer without trying to receive an order, and a test is made as to whether or not to accept the payment method again. For example, in the example described above, if it is determined in step S27 that credit card payment is to be made but the customer does not approve,
Ask the customer if they can accept it by cash on delivery. Further, the customer may be asked if the customer can accept the product after the payment is confirmed. However, if it is determined in step S27 that the merchandise is to be sent after the payment is confirmed, there is no settlement method corresponding to a lower authentication accuracy level, and the transaction is refused. However, in this case, the transaction is refused because the customer did not approve the settlement method, and the transaction is not refused because authentication could not be performed as in the past.

As described above, in the present embodiment, the total authentication accuracy is calculated using a plurality of authentication processing methods. Then, a payment method is determined according to the level of the total authentication accuracy, and a transaction with the customer is to be completed by the payment method. Also, if a good result is obtained by another authentication method even if a good result is not obtained by one authentication method, the better result may be trusted. Therefore, if the total authentication accuracy is calculated and the settlement method is determined based on the calculation result, more reliable processing can be performed.

Although an example in which two authentication processing units are used has been described above, the present embodiment is not limited to two, and it is possible to combine more authentication processing means.

[Third Embodiment] A system outline of a third embodiment is the same as that shown in FIG. However, in the present embodiment, the A authentication processing unit 79a and the B authentication processing unit 79b are used. For example, the A authentication processing unit 79a performs password authentication processing for authenticating a password registered as a pair with a member number, and outputs an authentication result as success or failure. On the other hand, it is assumed that the B authentication processing unit 79b performs voice authentication processing based on free speech and outputs the authentication accuracy as a numerical value from 0 to 100.

The processing flow in the third embodiment is almost the same as that shown in FIG. However, since the A authentication process in step S23 is a password authentication process, the authentication result is information indicating success or failure. The B authentication process in step S23 is a voice authentication process based on free speech, and the authentication accuracy, which is the authentication result, is output as a numerical value from 0 to 100. In step S27, the processing unit 73 calculates the overall authentication accuracy. For example, if the result of the A authentication process indicates success, 100 is set as the authentication accuracy, and if the result indicates failure, 0 is set as the authentication accuracy of the A authentication process. , B, the total authentication accuracy is calculated by adding the authentication accuracy, which is the result of the authentication process. The authentication accuracy of the result of the A authentication processing and the calculation formula to be added to the result of the B authentication processing are arbitrary.

A more complicated formula for calculating the total authentication accuracy may be used. For example, if the result of the A authentication process is successful, the range of the total authentication accuracy is from 51 to 100 (= authentication accuracy of the B authentication process / 2 + 50) depending on the result of the B authentication process, and the result of the B authentication process is unsuccessful. For example, the range of the total authentication accuracy may be from 0 to 50 (= authentication accuracy of B authentication process / 2) depending on the result of the B authentication process.

Thus, as in the second embodiment, if the settlement method is defined corresponding to each range of the total authentication accuracy, the settlement method according to the total authentication accuracy can be determined.

In the third embodiment, an example is shown in which one authentication processing unit that outputs success or failure and one authentication processing unit that outputs a numerical value within a predetermined range as authentication accuracy are used. It does not have to be one by one. In that case, the method of giving the authentication accuracy corresponding to success or failure and the calculation formula for calculating the total authentication accuracy must be determined. Also, each range of the total authentication accuracy must be determined by the range that the total authentication accuracy can take.

Fourth Embodiment A fourth embodiment will be described with reference to FIG. The system outline of the fourth embodiment is the same as that shown in FIG. However, in the present embodiment, the A authentication processing unit 79a and the B authentication processing unit 79b are used. For example, the A authentication processing unit 79a performs a password authentication process for authenticating a password registered as a pair with a member number,
Outputs the authentication result as success or failure. On the other hand, the B-authentication processing unit 79b performs a keyword authentication process of collating the voice information of the registered keyword with the voice information of the keyword spoken at the time of collation, and outputs information indicating whether the collation succeeded or failed. It shall be.

For example, if the customer calls the sales system 7 using the telephone 3, the IVR 71 responds to the call from the customer. And IVR71 is
First, for example, the user is prompted to input a membership number, and the customer obtains the input membership number by pressing a button of the telephone 3 (step S41). Note that a configuration in which the member number is uttered by voice to perform voice recognition may be employed. In this case, the voice information obtained by uttering the member number may be used for voice authentication processing performed below.

Next, the IVR 71 requests input of a password in order to perform the A authentication process. The information on the password input by the customer is output from the IVR 71 to the processing unit 75, and the processing unit 75
Output to Then, the A authentication processing unit 79a performs an authentication process using the password information and the password information included in the customer DB 77 and corresponding to the acquired member number (step S43). As described above, the result of the authentication processing is output as information indicating success or failure.

Further, the IVR 71 requests the customer to speak a keyword in order to perform the B authentication process. When the customer speaks the keyword, the processing unit 75 receives the voice information of the customer from the IVR 71, and further, the B authentication processing unit 79b
Output to Then, the B authentication processing unit 79b performs an authentication process using the voice information of the customer and the registered keyword voice information included in the customer DB 77 and corresponding to the acquired member number (step S45). As mentioned above,
The result of the authentication process is output as information indicating whether the verification has succeeded or failed.

The processing unit 73 calculates an authentication accuracy level from the results of the A authentication process and the B authentication process, and determines a settlement method corresponding to the authentication accuracy level (step S4).
7). For example, the authentication accuracy level is 0 when the authentication result of success is 0, the authentication accuracy level is 1 when the authentication result of success is 1, and the authentication accuracy level is 2 when the authentication result of 2 is successful. Calculate the accuracy level.
This is an example, and the authentication accuracy level may be calculated by another method.

Also, for example, the correspondence between the authentication accuracy level and the settlement method, such as, when the authentication accuracy level is 0, the product is sent after payment is confirmed, when the authentication accuracy level is 1, the credit card is paid, and when the authentication accuracy level is 2, the post-payment is performed. The relationship is specified. In step S47, the settlement method corresponding to the current authentication accuracy level is acquired according to the correspondence between the authentication accuracy level and the settlement method, and is stored in the storage device. Note that the result of the authentication processing is not presented to the customer.

After the authentication process, the IVR 71 conducts a transaction dialogue, for example, prompting the input of the number of the ordered product, the product name, the quantity, and other order information, and acquires information on the content of the transaction (step S49). . The acquired transaction content information is temporarily stored in the storage device. If all the information for the transaction has been obtained from the customer, the customer is notified of the settlement method determined in step S47 (step S5).
1). For example, "The price of the order you just received xxx
Cash on delivery will be charged for yen. If you understand, please press 0 and #. If you do not agree, please press 1 and #. Is output by the IVR 71 as voice.

If the customer accepts the designated settlement method (step S53: Yes route),
Payment method and transaction contents determined in 47 and customer DB
Trading customer information (name, address, etc.) obtained from 77
Register it in B75 (step S55). And IVR
Reference numeral 71 outputs to the customer, for example, "Thank you for your order. We are waiting for your next order." The business operator operating the sales system 7 based on the information registered in the transaction DB 75 executes shipping of ordered products, confirmation of payment, billing processing, and the like in accordance with the settlement method and transaction contents.

On the other hand, if the customer does not accept the specified settlement method (step S53: No route), the IVR
The 71 outputs, for example, a response to the effect that the order cannot be received to the customer (step S57). A configuration may be adopted in which a payment method corresponding to a lower authentication accuracy level is presented to a customer without trying to receive an order, and a test is made as to whether or not to accept the payment method again. For example, in the example described above, if it is determined in step S47 that the credit card payment is to be made but the customer does not approve,
Ask the customer if they can accept it by cash on delivery. Further, the customer may be asked if the customer can accept the product after the payment is confirmed. However, if it is determined in step S47 that the merchandise will be dispatched after the payment is confirmed, there is no settlement method corresponding to a lower authentication accuracy level, and the transaction is refused. However, in this case, the transaction is refused because the customer did not approve the settlement method, and the transaction is not refused because authentication could not be performed as in the past.

This makes it possible to easily determine a corresponding settlement method from the authentication accuracy level. In the second and third embodiments, the total authentication accuracy is calculated from a predetermined calculation formula, the level is determined, and the settlement method is determined. However, the calculation formula for directly determining the authentication accuracy level from the authentication result is used. Is prepared, the same result as in the fourth embodiment can be obtained.

Although an example in which two authentication processing units are used has been described above, more authentication processing units may be used in some cases. For example, when M authentication processing units are used, if N or more (M> N) predetermined authentication processing units determine that the authentication is successful, post-payment is performed, and L (N> L) or more authentication processes are performed. Credit card payment if it is determined by the department that authentication is successful, L
If it is determined that the authentication is successful in less than the number of authentication processing units, it is possible to adopt a configuration in which delivery is performed after payment is confirmed.
That is, the configuration is such that the payment means is determined according to the number of successful authentications.

[Fifth Embodiment] FIG. 5 shows an outline of a system according to a fifth embodiment. In the present embodiment, for example, personal computers, mobile phones, and customer terminals 103 and 105, which are mobile terminals, are connected to a network 100, which is the Internet, for example. In addition, a sales system 107 that performs main processing in the present embodiment is connected to the network 100. The sales system 107 includes a display communication processing unit 1071 for performing a Web server function, a control unit 1073 for controlling each unit of the sales system 107, and A authentication processing units 1079a and B for performing various authentication processes. Authentication processing unit 1079
b and C authentication processing unit 1079c, a transaction DB 1075 for storing information on transaction contents, and a customer DB 1077 for storing customer personal information and authentication information.

The first to fourth embodiments are also applicable to a system as shown in FIG. That is, in FIG.
By using the display communication processing unit 1071 instead of using the 71, the dialogue with the customer is performed not by voice but by text. However, the processing contents of the authentication processing units such as the A authentication processing unit 1079a, the B authentication processing unit 1079b, and the C authentication processing unit 1079c are the same as those assumed in the first to fourth embodiments. That is, various authentication methods such as authentication by voice, authentication by other biometrics, authentication by a password, and authentication by an electronic certificate or the like can be adopted.

As the contents of the processing, those shown in FIGS. 2 to 4 can be basically used. However, as described above, the only difference is that the dialogue with the customer is performed not by voice but by text.

Although the embodiment of the present invention has been described above, the present invention is not limited to this, and various modifications are possible. That is, any modification may be used as long as the settlement method is determined according to the authentication result.

[0056]

As described above, it is possible to provide a technique for securing the transaction by changing the settlement method according to the result of the authentication.

Further, by changing the settlement method in accordance with the result of the authentication, it was possible to provide a technology that enables secure transactions without narrowing the transaction range.

[Brief description of the drawings]

FIG. 1 is a schematic diagram of a system according to first to fourth embodiments.

FIG. 2 is a diagram showing a processing flow according to the first embodiment.

FIG. 3 is a diagram showing a processing flow according to Embodiments 2 and 3.

FIG. 4 is a diagram showing a processing flow according to a fourth embodiment.

FIG. 5 is a system schematic diagram according to a fifth embodiment.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 Public network 3,5 Telephone 7 Sales system 71 IVR 73 Processing part 75 Transaction DB 77 Customer DB 79a A authentication processing part 79b B authentication processing part 79c C authentication processing part 100 Network 103,105 Customer terminal 107 Sales system 1071 Display communication Processing unit 1073 Control unit 1075 Transaction DB 1077
Customer DB 1079a A authentication processing unit 1079b B authentication processing unit 1079c C authentication processing unit

Claims (11)

[Claims] 1. A computer system for processing a transaction application from a customer, comprising: means for receiving, from an authentication means, an authentication result for the customer who has made the transaction application, storing the authentication result in a storage device; And a means for notifying the customer of the determined settlement method. 2. The computer system according to claim 1, wherein said payment method determining means determines a payment method according to a level of authentication accuracy included in said authentication result. 3. The settlement method determining means, when there are a plurality of authentication means, calculates an authentication accuracy level based on a plurality of authentication results by the plurality of authentication means, and makes a payment corresponding to the authentication accuracy level. The computer system of claim 1, wherein a method is determined. 4. The settlement method determining means, when there are a plurality of authentication means, calculates a total authentication accuracy based on a plurality of authentication results by the plurality of authentication means, and sets a settlement method based on the total authentication accuracy. The computer system according to claim 1, wherein: 5. The settlement method determining means, wherein the authentication means judges the success or failure of the customer authentication, and when there are a plurality of authentications, the number of authentication results indicating the success or the number of authentication results indicating the failure. 2. The computer system according to claim 1, wherein the settlement method is determined based on the following. 6. A program for processing a transaction application from a customer, comprising: receiving, by a computer, an authentication result for a customer who has made a transaction application from an authentication means, and storing the authentication result in a storage device; A payment method determining step for determining a payment method in the transaction based on the transaction, and a step of notifying the customer of the determined payment method. 7. The program according to claim 5, wherein in the settlement method determining step, a settlement method is determined according to a level of authentication accuracy included in the authentication result. 8. In the settlement method determining step, when there are a plurality of authentication means, an authentication accuracy level is calculated based on a plurality of authentication results by the authentication means, and a settlement corresponding to the authentication accuracy level is performed. The program according to claim 5, wherein a method is determined. 9. In the settlement method determining step, when there are a plurality of authentication means, a total authentication accuracy is calculated based on a plurality of authentication results by the plurality of authentication means, and the settlement method is calculated based on the total authentication accuracy. The program according to claim 5, wherein the program is determined. 10. The settlement method determining step, wherein the authentication means judges the success or failure of the customer authentication and, if there are a plurality of customer authentications, the number of authentication results indicating the success or the number of authentication results indicating the failure. 6. The program according to claim 5, wherein the settlement method is determined based on the following. 11. A method for processing a transaction application from a customer, comprising: receiving an authentication result for a customer who has made a transaction application from an authentication unit and storing the authentication result in a storage device; and performing settlement in the transaction based on the authentication result. A transaction application processing method comprising: a settlement method determining step of determining a method; and a step of notifying the customer of the determined settlement method.