JP2002334291A - Method and device for vicarious charging, and method and device for settlement confirmation - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a service that enhances the security of credit card settlement in an electronic transaction. SOLUTION: A user 10 notifies a preattached user ID of a virtual shop 40 on the Internet in placing an order, and the virtual shop 40 issues an electronic invoice together with the user ID to a settlement institution 30. The settlement institution 30 charges a credit sales company 50 instead of the virtual shop 40. The settlement institution 30 obtains settlement approval from the user 10 through a portable telephone set 100 before charging the credit sales company 50.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a billing agent method and apparatus, and a settlement confirmation method and apparatus, and more particularly, to a settlement amount for a transaction between a seller and a buyer who is a user of a mobile phone. Method and apparatus using a computer for billing a financial institution on behalf of a seller, and settlement confirmation using a computer for confirming settlement between a seller and a buyer who is a user of a mobile phone to a user A method and an apparatus therefor.

[0002]

2. Description of the Related Art As one of settlement methods in electronic commerce on the Internet, there is a method using a credit card issued by a credit company. In this method, a user inputs a credit card number on a payment screen of a shopping site, and the seller uses the credit card number to charge a credit company.

[0003]

However, in this method, since the identity verification is not performed, if the user knows the credit card number of another person, it is possible to use the number without permission. Further, since the credit card number is notified to the seller, the seller may abuse the number. Further, since the credit card number is leaked to an open network called the Internet, the credit card number may be known to a third party. For such security reasons, credit card settlement is not widely used in electronic commerce on the Internet.

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems, and has as its object to provide a highly secure billing proxy method and apparatus using a mobile phone, and a payment confirmation method and apparatus. And

[0005]

A billing service according to the present invention receives a user identifier transmitted from a seller's computer, and stores a user identifier, a mobile phone number, and an account number of a financial institution for each user. Searches the database stored in association with, specifies the mobile phone number corresponding to the received user identifier, transmits a message requesting the user to approve the payment based on the specified mobile phone number, and uses After receiving the message confirming the settlement from the user, the account number corresponding to the received user identifier is transmitted to the computer of the financial institution.

According to this billing agency service, a user identifier, a mobile phone number, and an account number of a financial institution are registered in a database in association with each user, and a billing agency request is sent from the seller to the user identifier. If the payment is received along with the user identifier, the user's mobile phone number and the account number of the financial institution are specified based on this user identifier, and the user's account number is Notify agencies. As a result, the financial institution is charged on behalf of the seller for the settlement amount of the transaction performed between the seller and the buyer who is a user of the mobile phone. As described above, since the user invoices the financial institution after obtaining approval for settlement, even if a third party knows the account number of another person, it cannot use that number without permission. Impossible. Further, since the account number is not notified to the seller, there is no possibility that the seller abuse the number. Further, since the account number does not leak to the open network called the Internet, there is no possibility that the account number will be known to a third party. As a result, a highly secure billing service can be provided.

On the other hand, the settlement confirmation service according to the present invention
It receives the user identifier transmitted from the computer of the financial institution, searches the database storing the user identifier and the mobile phone number in association with each user, and searches the database corresponding to the received user identifier. A telephone number is specified, a message requesting approval of the payment is transmitted to the user based on the specified mobile phone number, and a message acknowledging the payment is received from the user and transmitted to the computer of the financial institution.

According to this settlement confirmation service, a user identifier and a mobile phone number are registered in a database in association with each user, and when a settlement confirmation request is received from a financial institution together with the user identifier, The mobile phone number of the user is specified based on the user identifier, the user is approved for settlement through the mobile phone, and the financial institution is notified of the approval. Thereby, the settlement between the seller and the buyer who is the user of the mobile phone is confirmed with the user. As described above, since the user himself / herself has been approved for settlement, even if a third party knows the account number of another person, it is impossible to use the number without permission. As a result, a highly secure payment confirmation service can be provided.

[0009] Here, the seller includes not only virtual stores on the Internet but also real stores. Financial institutions also include banks and credit companies. The account number of the financial institution is a bank account number for a bank and a credit card number for a credit company.

[0010]

Embodiments of the present invention will be described below in detail with reference to the drawings. In the drawings, the same or corresponding portions have the same reference characters allotted, and description thereof will not be repeated.

[First Embodiment] In a first embodiment, a settlement amount of a transaction performed between a seller and a buyer who is a user of a mobile phone is replaced by a credit company or a bank in place of the seller. It is related to a billing proxy service for billing.

1. FIG. 1 is a block diagram showing a hardware configuration of a mobile phone of a user and a server of a mobile phone company and a payment institution used for usage registration for a billing service according to the first embodiment.

As shown in FIG. 1, a mobile phone 100 of a user 10 includes a data processing unit 101 including a CPU,
AM 102, ROM 103, antenna 104, transmission / reception unit 105, input device 106 such as ten keys and cursor keys, display device 107 such as a liquid crystal display, battery 108, interface (I / F) unit 109.
And The mobile phone 100 has a power adapter 11
0 from the power adapter 110 to the I / F unit 109.
Power is supplied to the battery 108 through the
08 is charged. The data processing unit 101 includes a RAM 10
2, ROM 103, transmitting / receiving unit 105, input device 106,
Using the display device 107 and the I / F unit 109, a function described later is executed in addition to a normal communication function.

The server 200 installed in the mobile phone company 20 includes a data processing unit 201 composed of a CPU and a database 202. The database 202 includes a personal information database 203. Data processing unit 201
Performs normal communication functions,
To execute a function described later. Data processing unit 201
Is connected to the wireless base station 204. Radio base station 20
4 antenna 205 and mobile phone 100 antenna 10
4 is transmitted and received.

The server 30 installed in the settlement institution 30
0 includes a data processing unit 301 composed of a CPU and a database 302. The database 302 includes a user information database 303 and a member store information database 3
04. The data processing unit 301 includes the database 3
02 is used to execute a function described later. Data processing unit 3
01 is the server 20 installed in the mobile phone company 20
0 is connected to the data processing unit 201.

FIG. 2 is a schematic diagram showing a use registration procedure for this billing service. As shown in FIG. 2, each mobile phone 100 has a mobile phone number, password, e-mail address, and a key code unique to each mobile phone 100, each of which is stored in RAM 102 or RO.
It is registered in advance in M103. Password is User 1
0 is appropriately set and can be changed at any time. The key code is provided by the mobile phone manufacturer
When manufacturing a mobile phone, a serial number and a management number unique to each mobile phone are programmed in advance in a ROM 103 such as an EEPROM, so that not only the user 10 but also the mobile phone company 20 cannot be rewritten.

The personal information database 203 stores a mobile phone number, a key code, a password, an e-mail address, and a use status in association with each user 10. The usage status indicates whether this billing service can be used.

The user information database 303 stores a user ID (identifier), a mobile phone number, a mobile phone company, a service start status, and settlement information in association with each user 10. The user ID is given to each user 10 who has applied for the use of the billing service. As the mobile phone company, a mobile phone company with which each user 10 has contracted is registered. Here, the company A with which the user 10 has contracted is registered. The service start status indicates whether or not the user 10 has approved the start of the service. As the settlement information, the financial institution contracted by each user 10 and its account number are registered. Here, since the user 10 has contracted with the bank C and the credit company E, their names, the account number of the bank C, and the credit card number of the credit company E are registered.

In the member store information database 304, member stores that can use the service and transfer accounts of the member stores are registered.

FIG. 3 is a flowchart showing a usage registration process by the mobile phone 100 and the servers 200 and 300 shown in FIG. Hereinafter, the use registration process will be described with reference to FIGS.

The user 10 who wishes to use the billing service uses the mobile phone 100 to apply for the use of the service to the clearing house 30 through the mobile phone company 20 (S10).
1, S201, S202, S301). More specifically, in the mobile phone 100, the input device 106 inputs information such as the name and address of the user 10 to the data processing unit 101 according to the operation of the user 10. Data processing unit 1
01 creates an electronic application form based on the input information, and the transmitting / receiving section 105 transmits the application form to the antenna 1
04 is transmitted (S101). The transmitted application form is received by the antenna 205 of the wireless base station 204 and transmitted to the server 200 of the mobile phone company 20.

In the server 200 of the mobile phone company 20, the data processing unit 201 receives the use application transmitted from the mobile phone 100 (S201), and transmits it to the clearing house 30 through a dedicated line or the like (S20).
2).

In the server 300 of the settlement institution 30,
The data processing unit 301 receives the use application transmitted from the mobile phone company 20 (S301), and mails the settlement information registration form 1 to the user 10 based on the use application (S301).
302). The user 10 enters the name, address, the name of the contracted mobile phone company, the mobile phone number, the name of the contracted financial institution such as a bank or credit company, and the name of the financial institution in the settlement information registration form 1. The account number is entered and returned to the settlement institution 30 (S302).

The settlement institution 30 uses the returned settlement information registration form 1 to generate a user information database 303.
The mobile phone number, mobile phone company, and settlement information (here, since the user 10 has a contract with the bank C and the credit company E, the account numbers of the bank C and the bank C, the credit company E and its credit card No.) is registered (S303). At this time, a user ID is assigned to each registered user 10.
Also, at this stage, since the user 10 has not obtained approval to start the service, the service start status is “unapproved”.

Subsequently, the settlement institution 30 is the mobile phone company 20
By notifying the user 10 of the user ID through, the approval of starting the service is obtained (S304, S203, S
204, S102 to S105). More specifically,
The data processing unit 301 transmits the user ID together with the mobile phone number to the mobile phone company 20 (S304).

In the server 200 of the mobile phone company 20, the data processing unit 201 receives the user ID and the mobile phone number transmitted from the settlement institution 30 (S203),
Further, the user ID is transmitted to the mobile phone 100 of the user 10 based on the mobile phone number (S204).

In the portable telephone 100 of the user 10, the transmitting / receiving unit 105 receives the user ID transmitted from the portable telephone company 20 (S102), and the data processing unit 101.
Displays an application approval screen for this service on the display device 107.

The user 10 operates the input device 106 to approve the application, and inputs that fact, and when not approving the application, inputs that fact. The input device 106 inputs information on whether or not to approve the application in accordance with the operation of the user 10 to the data processing unit 101, and the data processing unit 101 determines whether or not the user 10 has approved the application ( S10
3). When the user 10 rejects the application, the transmitting / receiving unit 1
05 transmits the information of application refusal to the mobile phone company 20 (S104).

In the server 200 of the mobile phone company 20, the data processing unit 201 receives the application rejection information transmitted from the mobile phone 100 (S205), and further transmits this to the clearing house 30 (S206).

In the server 300 of the settlement institution 30,
The data processing unit 301 receives the application rejection information transmitted from the mobile phone company 20 (S305), and deletes the information in the user information database 303 created in step S303 (S306).

On the other hand, when the user 10 approves the application, the transmitting / receiving unit 105 of the mobile phone 100 transmits the information of the application approval to the mobile phone company 20 (S105).

In the server 200 of the mobile phone company 20, the data processing unit 201 receives the application approval information transmitted from the mobile phone 100 (S207), and transmits this to the settlement institution 30 together with the mobile phone number (S207). S
208).

In the server 300 of the settlement institution 30,
The data processing unit 301 receives the application approval information transmitted from the mobile phone company 20 together with the mobile phone number (S3).
07), the service start status of the user information database 303 is changed from “unapproved” to “approved” based on the mobile phone number (S308).

Subsequently, the settlement institution 30 is the mobile phone company 20
Notification of the service start to the user 10 through (S
309, S209-S211, S106). More specifically, in the server 300 of the settlement institution 30, the data processing unit 301 transmits a service start notification to the mobile phone company 20 together with the mobile phone number (S309).

In the server 200 of the mobile phone company 20, the data processing unit 201 receives the service start notification transmitted from the clearing house 30 together with the mobile phone number (S
209), the use status of the personal information database 203 is changed from “unregistered” to “usable” based on the mobile phone number (S210).

Subsequently, the data processing unit 201 transmits a service start notification to the mobile phone 100 (S211).

In the portable telephone 100 of the user 10, the transmitting / receiving unit 105 receives the service start notification transmitted from the portable telephone company 20 (S106). The data processing unit 101 displays a service start notification screen on the display device 107.

With the above processing, the use registration is completed, and the user 10 can use the billing service.

Although the application for use is made electronically by using a mobile phone, the user 10 may make a verbal call by calling the settlement institution 30.
Alternatively, the user 10 may go to the payment institution 30 and enter necessary information on the payment information registration form 1 there.

In the above-described use registration process, when the user 10 is notified of the user ID via the mobile phone 100, the user 10 is approved for this service application. Even if someone who knows the credit card number applies for the service without permission, the service cannot be used.

2. FIG. 4 is a block diagram showing a hardware configuration of a user's mobile phone and personal computer, and a server of a mobile phone company, a payment institution, a virtual store, and a financial institution used for this billing proxy service.

As shown in FIG. 4, a personal computer (PC) 150 of the user 10 includes a data processing unit 151 including a CPU and a memory 152 such as a ROM and a RAM.
, Hard disk (HD) 153 and modem 154
And an input device 155 such as a keyboard and a mouse, and a CRT
And a display device 156 such as a display or a liquid crystal display. Similarly, the server 400 of the virtual store 40 also includes a data processing unit 401, a memory 402, a hard disk 4
03, a modem 404, an input device 405, and a display device 406.

The server 500 of the financial institution such as the credit company 50 or the bank 55 includes a data processing unit 501 such as a CPU and a database 502. The database 502 includes a user information database 503, a member store information database 504, and a user history database 505.
In the user information database 503, information on users who have contracted with this financial institution is registered. In the member store information database 504, information on member stores contracting with this financial institution is registered. The user history database 505 records a past history of the user using the financial institution.

The personal computer 150 is a modem 1
It is connected to the Internet 2 through 54. The server 400 of the virtual store 40 is also connected to the Internet 2 through the modem 404. The data processing units 201, 301, 501 of the servers 200, 300, 500 are connected to each other through a dedicated line or the like, and are also connected to the Internet 2.

FIG. 5 is a conceptual diagram showing the procedure of the billing service. FIGS. 6 and 7 are flowcharts showing a billing proxy process by the hardware shown in FIG.

Hereinafter, with reference to FIGS.
In the following, a description will be given of a process in which the settlement institution 30 bills the financial institution for the settlement in place of the virtual store 40 when the user uses the virtual store 40 on the Internet.

When the user 10 finds a desired product or service at the virtual store 40 on the Internet 2, he or she places an order at the virtual store 40 using the personal computer 150 or the mobile phone 100 (S151, S40).
1). More specifically, the user 10 operates the input device 155 of the personal computer 150 or the mobile phone 1.
Operating the input device 106 in step S102
Enter the number of the product or the like desired to be purchased together with the user ID notified in step (1). The input device 155 or 106 inputs the user ID and the order content to the data processing unit 151 or 101 according to the operation of the user 10, and the data processing unit 1
51 or 101 creates an electronic order form in response to this input. The modem 154 or the transmission / reception unit 105 transmits the electronic order form to the virtual shop 40 through the Internet 2 (S151).

In the server 400 of the virtual store 40,
The modem 404 receives the electronic order form transmitted from the personal computer 150 or the mobile phone 100 (S
401), the data processing unit 401 creates an electronic bill including the payment amount according to the received order content, and
04 transmits the electronic bill together with the user ID to the settlement institution 30 via the Internet 2 (S402).

In the server 300 of the settlement institution 30,
The data processing unit 301 receives the electronic bill transmitted from the virtual store 40 together with the user ID (S310), and searches the user information database 303 based on the received user ID (S311).

Subsequently, the data processing unit 301 determines that the service start status of the user information database 303 is “approved”.
It is determined whether it is "unapproved" (S312). "Approved"
In the case of (1), the data processing unit 301 transmits an electronic bill to the mobile phone company 20 contracted by the user 10 based on the user information database 303 (S313). on the other hand,
In the case of "unapproved", the data processing unit 301 notifies the virtual shop 40 that the service cannot be used (S31).
4).

In the server 200 of the mobile phone company 20, the data processing unit 201 receives the electronic bill transmitted from the settlement institution 30 together with the mobile phone number (S21).
2).

Subsequently, the data processing unit 201 searches the personal information database 203 based on the received mobile phone number (S213), and determines whether or not the use status corresponding to the mobile phone number is “usable”. (S214). If the use status is "available", an electronic bill is transmitted to the mobile phone 100 of the user 10 based on the mobile phone number (S215). On the other hand, when the use status is “unregistered”, the data processing unit 201 notifies the settlement institution 30 that the service is not available, together with the mobile phone number (S216).

In the server 300 of the settlement institution 30,
The data processing unit 301 receives the service unavailable notification transmitted from the mobile phone company 20 (S315), and transmits the notification to the virtual store 40 via the Internet 2 (S316).

In the mobile phone 100 of the user 10, the transmission / reception unit 105 receives the electronic bill transmitted from the mobile phone company in step S215 (S10).
7).

The data processing unit 101 displays the incoming electronic bill on the display device 107. When the user 10 sees this and performs an opening operation with the input device 106, the data processing unit 10
1 opens the electronic bill (S108) and displays the contents on the display device 107.

The user 10 looks at the contents of the electronic bill and selects with the input device 106 whether to approve the settlement. In accordance with the selection result, the data processing unit 101
Determines whether the payment has been approved (S109).

If the user 10 does not approve the payment,
The transmission / reception section 105 transmits information of cancellation or rejection of the settlement to the mobile phone company 20 (S110). Data processing unit 1
01 displays on the display device 107 that the settlement has been canceled (S111).

In the server 200 of the mobile phone company 20, the data processing unit 201 receives the information of cancellation or rejection of the settlement transmitted from the mobile phone 100 (S21).
7), and further, together with the mobile phone number, the settlement institution 30
(S218).

In the server 300 of the settlement institution 30,
The data processing unit 301 receives the information of the cancellation or rejection of the settlement transmitted from the mobile phone company 20 (S317),
Further, this is transmitted to the virtual shop 40 through the Internet 2 (S318).

In the server 400 of the virtual store 40,
The notification of the use unavailable transmitted from the settlement institution 30 in the above step S314, or the notification of the service unavailable transmitted from the settlement institution 30 in the above step S316, or the cancellation or refusal of the settlement transmitted from the settlement institution 30 in the above step S318 Is received by the modem 404 (S4).
03) Then, the order cancellation information is transmitted to the personal computer 150 or the mobile phone 100 of the user 10 through the Internet 2 (S404).

The personal computer 15 of the user 10
0 or the mobile phone 100, the modem 154 or the transmission / reception unit 105 receives the order cancellation information transmitted from the virtual store 40 (S152), and the data processing unit 15
1 or 101 displays on the display device 156 or 107 that the order has been canceled (S153).

On the other hand, in the portable telephone 100 of the user 10, when the data processing unit 101 determines in step S 109 that the user 10 has approved the settlement, the display device 1
In step 07, the user 10 is requested to input a password. The input device 106 inputs a password to the data processing unit 101 according to the operation of the user 10 (S112).

The data processing unit 101 compares the input password with the password stored in the RAM 102 or the ROM 103, and verifies whether the passwords match (S113). If the passwords do not match, the data processing unit 101 displays that the password is incorrect on the display device 107 (S114).

On the other hand, if the passwords match, the data processing unit 101 requests the user 10 to select a settlement method on the display device 107. Here, the account number of Bank C and the credit card number of the credit company E are registered in the user information database 303, and the user 10 selects payment using a debit card or payment using a credit card. The input device 106 is the user 1
0 to the data processing unit 1
01 (S115).

Subsequently, the transmitting / receiving section 105 transmits a notice of settlement approval to the mobile phone company 20 (S116). At this time, the mobile phone number, the key code registered in the ROM 103, the password input in step S112, the payment content, and the payment method selected in step S115 are also transmitted.

In the server 200 of the mobile phone company 20, the data processing unit 201 receives the settlement approval notification transmitted from the mobile phone 100 together with information such as the mobile phone number (S219).

Subsequently, the data processing unit 201 stores the received key code and password in the personal information database 20.
The key code and the password registered in No. 3 are compared with each other to verify whether both the key code and the password match (S220). If both the key code and the password match, the data processing unit 201
Transmits a notice of settlement approval to the settlement institution 30 together with the mobile phone number and the settlement method.

In the server 300 of the settlement institution 30,
The data processing unit 301 receives the notification of the payment approval transmitted from the mobile phone company 20, and transmits the notification to the virtual store 40 via the Internet 2 (S319). In the server 400 of the virtual store 40, the modem 404 receives the payment approval notification transmitted from the payment institution 30 (S405).

The settlement institution 30 stores the user 10 in the virtual store 40.
Notifies that the settlement has been approved, and then returns to step S31
A request is made to the financial institution for settlement based on the electronic bill received at 0 (S320). More specifically, searching the user information database 303 based on the mobile phone number,
The user 1 is registered in the server 500 of the financial institution with which the user 10 registered in the user information database 303 has a contract.
The account number of 0, the settlement amount, and the transfer account number of the virtual store 40 are transmitted (S320). When the user 10 selects the payment by the debit card in the above step S115, the account number of the bank registered in the user information database 303 is notified to the bank 55, and when the user 10 selects the payment by the credit card. Notifies the credit company 50 of the credit card number registered in the user information database 303.

In the server 500 of the credit company 50 or the bank 55, the data processing unit 501 receives the settlement request transmitted from the settlement institution 30 (S501), and performs settlement processing based on the request (S502).

Subsequently, the data processing unit 501 sends a notice of the settlement possibility to the settlement institution 30 (S503), and then performs a payment process according to the settlement contents (S504). In other words, in the case of the credit company 50, the settlement amount is
And bill the user 10.
In the case of the bank 55, the settlement amount is paid from the account of the user 10 to the settlement institution 30. The settlement institution 30 pays the virtual store 40 the amount obtained by subtracting the service usage fee from the amount received from the credit company 50 or the bank 55.

In the server 300 of the settlement institution 30,
The data processing unit 301 receives the notification of the settlement permission transmitted from the credit company 50 or the bank 55 (S321), and further transmits the notification to the virtual store 40 via the Internet 2 (S322).

In the server 400 of the virtual store 40,
The data processing unit 401 determines whether there is no problem in settlement (S
406). If there is a problem with the settlement, the modem 404 sends the order cancellation to the personal computer 150 or the mobile phone 100 of the user 10 through the Internet 2 (S407).

The personal computer 15 of the user 10
0 or the mobile phone 100, the modem 154 or the transmitting / receiving unit 105 receives the order cancellation transmitted from the virtual store 40 (S154), and the data processing unit 151 or 101 displays the virtual store 40 on the display device 156 or 107.
Displays that the order has been canceled (S155).

On the other hand, in the server 200 of the mobile phone company 20, if one of the key code and the password does not match in the step S220, the data processing unit 2
01 changes the use status of the personal information database 203 from "available" to "authentication abnormal", and transmits a notification of the authentication abnormal to the mobile phone 100 of the user 10 (S222).

In the portable telephone 100 of the user 10, the transmitting / receiving unit 105 receives the notification of the authentication abnormality transmitted from the portable telephone company 20 (S117), and the data processing unit 1
01 displays an authentication error on the display device 107 (S11).
8).

In the server 200 of the mobile phone company 20, after notifying the user 10 of the authentication error, the data processing unit 201 transmits a notification of the authentication error to the settlement institution 30 together with the mobile phone number (S223).

In the server 300 of the settlement institution 30,
The data processing unit 301 receives the notification of the authentication abnormality transmitted from the mobile phone company 20 (S323), and further transmits a notification of the settlement failure to the virtual store 40 through the Internet 2 (S324).

In the server 400 of the virtual store 40,
The modem 404 receives the notice of the settlement failure transmitted from the settlement institution 30 (S408), and further transmits the cancellation of the order to the personal computer 150 or the mobile phone 100 of the user 10 through the Internet 2 (S40).
9).

The personal computer 15 of the user 10
0 or the mobile phone 100, the modem 154 or the transmitting / receiving unit 105 receives the order cancellation in the same manner as described above (S154), and the data processing unit 151 or 101 displays the order cancellation on the display device 156 or 107 (S1).
55).

As described above, according to the first embodiment of the present invention, the credit card number of the credit company 50 and the account number of the bank 55 are registered in the database 302 of the settlement institution 30 so that the virtual store 40 Instead of billing the credit company 50 or the bank 55 for the settlement price, the credit card number or the bank account number is searched based on the user ID sent from the virtual store 40, and the settlement price is paid to the credit company 50 or the bank 55. Has been charged. Therefore, the user 10 only needs to notify the virtual shop 40 of the user ID, and the credit card number and the bank account number do not leak onto the Internet. When the settlement institution 30 makes a request to the credit company 50 or the bank 55, the mobile phone 100
, The user 10 is approved for settlement. Therefore, a third party cannot make a payment using another person's user ID. When the user 10 is approved for settlement, the password and the key code are verified. Since the verification of the password known only to the user 10 is performed in this way, even if a third party picks up the mobile phone 100 of another person, the payment cannot be approved without permission. In addition, since the key code unique to the mobile phone 100 is verified, even if a third party knows the mobile phone number and password of another person, if the third party does not have the own mobile phone 100, the payment is approved without permission. I can't.

In the above embodiment, the user information database 3 is stored in an independent settlement institution 30 separate from the mobile phone company 20.
03, the mobile phone company 20 has a user information database 303, and the virtual store 40 and the financial institution 5
Various types of information may be directly transmitted and received between 0 and 55. Further, in the above-described embodiment, the settlement institution 30 performs the request from the virtual store 40 to the financial institution 50, 55, but the settlement institution 30 performs the request from the real store to the financial institution 50, 55. You may.

[Second Embodiment] A second embodiment of the present invention relates to a settlement confirmation service for confirming the settlement to the user himself / herself through a mobile phone when making a settlement with a credit card or a debit card. It is.

1. User registration If you wish to use this payment confirmation service, you must first register. The hardware configuration used for use registration for this payment confirmation service is the same as that shown in FIG. However, here, it is not necessary to provide the member store information database 304 in the server 300 of the settlement institution 30.

FIG. 8 is a conceptual diagram showing a use registration procedure for this payment confirmation service. FIG. 9 is a flowchart showing a usage registration process by the servers of the mobile phone, the mobile phone company, and the payment institution shown in FIG. Hereinafter, the use registration processing for the payment confirmation service will be described with reference to FIGS.

In the second embodiment, unlike the first embodiment, there is no need to register a credit card number or a bank account number, so that all usage registration is completed online. That is, unlike the first embodiment shown in FIG. 3, in the second embodiment, the message of the application for use is transmitted from the mobile phone 100 to the settlement institution 30 through the mobile phone company 20 together with the mobile phone number (S10).
1, S201, S202, S301). In the server 300 of the payment institution 30, the data processing unit 301 transmits information such as a mobile phone number and a mobile phone company without mailing the payment information registration form 1 as in the first embodiment shown in FIG. Register in the user information database 303 (S30
3). Hereinafter, the use registration is completed by the same processing as in FIG.

2. Payment Confirmation When the use registration is completed, the user 10 can use the payment confirmation service. The hardware configuration used for the payment confirmation service is the same as that shown in FIG.
However, it is not necessary to provide the member store information database 304 in the server 300 of the settlement institution 30.

FIG. 10 is a conceptual diagram showing a procedure for confirming the settlement at the virtual store to the user through the portable telephone. FIGS. 11 and 12 are flowcharts showing a payment confirmation process using the hardware configuration shown in FIG.
Hereinafter, the procedure of the payment confirmation will be described with reference to FIGS.

Unlike the first embodiment shown in FIG. 6, in the second embodiment, when the user 10 places an order for the virtual store 40, the credit card number is used instead of the user ID in the personal computer. The data is transmitted from the mobile phone 150 or the mobile phone 100 to the server 400 of the virtual shop 40 through the Internet 2 (S151, S401). After receiving the electronic order form, the server 400 of the virtual store 40 transmits a message requesting settlement of the order to the credit company 50 via the Internet 2 together with the credit card number (S410).

In the server 500 of the credit company 50,
The data processing unit 501 receives the settlement request message transmitted from the virtual store 40 together with the credit card number (S505). Next, the data processing unit 501 creates an electronic invoice based on the settlement contents, and transmits the electronic bill to the settlement institution 30 together with the user ID (S506).

Hereinafter, steps S310 to S318, S2
12 to S218, S107 to S114, S403, S4
Steps S04, S152, and S153 are the same as those in the first embodiment shown in FIGS.

Unlike the first embodiment shown in FIG. 7, in the second embodiment, since the settlement method has already been selected at the time of ordering (S151), if the passwords match in step S113, Immediately selects the settlement method, the mobile phone 100 immediately transmits a notice of the settlement approval to the mobile phone company 20 together with the mobile phone number, the key code and the password (S116).

Hereinafter, steps S219 to S223, S1
17, S118, S323, S324, S408, S4
Steps S09, S154, and S155 are the same as those in the first embodiment shown in FIG.

In the second embodiment, unlike the first embodiment shown in FIG.
00, the data processing unit 301 is the mobile phone company 2
The notification of the settlement approval transmitted from 0 is received together with the mobile phone number (S325), and the notice of the settlement approval is transmitted to the credit company 50 (S326).

In the server 500 of the credit company 50,
The data processing unit 501 receives the notification of the payment approval transmitted from the payment institution 30 (S505).

Subsequently, after executing the settlement processing (S502), the data processing unit 501 transmits a notice of the settlement possibility directly to the virtual store 40 through the Internet 2 (S50).
3). Then, the data processing unit 501 executes a payment process (S504).

In the server 400 of the virtual store 40,
The modem 404 receives the notice of the settlement permission transmitted from the credit company 50 (S410). Hereinafter, step S40
6, S407, S154, and S155 are the same as those of the first embodiment shown in FIG.

As described above, according to the second embodiment of the present invention, the credit sales company 50 does not immediately execute the settlement processing upon receiving the settlement request from the virtual store 40,
After the payment is confirmed, the payment processing is performed. Therefore, the credit card number leaks out onto the Internet 2, but a third party cannot use the credit card number of another person to make a payment without permission. Also,
Since the password known only to the user 10 is verified, even if a third party picks up the mobile phone 100 of another person, the payment cannot be approved without permission. Also,
Since the key code unique to the mobile phone 100 is verified, even if a third party knows the password of another person, if the user does not have the mobile phone 100 of the tenth user, the payment must be approved without permission. Can not.

In the above description, payment by credit card has been described as an example, but the second embodiment is also applicable to payment by debit card. In the case of settlement by debit card, the user 10 transmits the account number of the bank 55 to the virtual store 40 instead of the credit card number (S
151, S401). The virtual store 40 requests payment (S4
At 10), the account number of the bank 55 is transmitted to the bank 55 instead of the credit card number. Hereinafter, the bank 55 performs the same processing as the processing by the credit company 50.

In the second embodiment, the settlement at the virtual store 40 is confirmed, but the settlement at the real store can be confirmed. In this case, the real store may perform the same process as the process by the virtual store 40.

However, if the settlement at the actual store is also confirmed by the ten users through the mobile phone 100 in the same manner as described above, it may take too much time to obtain the approval of the settlement. Therefore, as shown in FIG. 13, the card information is input to the POS terminal 602 by passing the credit card 3 of the user 10 through the card reader 601 in the real store 60, and the mobile phone 100 of the user 10 is connected to the POS terminal 602. Enter your mobile phone number by attaching it to The POS terminal 602 transmits a settlement request message to a financial institution such as the credit company 50 or the bank 55 together with the mobile phone number and the card information. The financial institution is provided with a personal information database 506 in which credit card numbers, user IDs, and the like are stored in association with each other. The financial institution transmits a message for inquiring the user ID to the settlement institution 30 together with the mobile phone number. The settlement institution 30 searches the user information database 303 based on the received mobile phone number, and notifies the financial institution of a user ID corresponding to the mobile phone number. The financial institution stores the notified user ID in the user I of the personal information database 501.
Compared with D, if it agrees, a settlement approval message is transmitted to the POS terminal 602. Thereby, the settlement processing by the credit card 3 is completed in the real store 60. On the other hand, the financial institution transmits a message requesting a settlement notification to the user 10 to the settlement institution 30 together with the user ID. The settlement institution 30 transmits the payment contents together with the mobile phone number to the mobile phone company 20, and the mobile phone company 20 transmits the payment contents to the mobile phone 100 of the user 10. Thereby, the user 10 can confirm the payment by the credit card after the fact. In this case, the personal information database 5 of the financial institution
If the mobile phone number is registered in association with the credit card number in 01, the settlement approval can be immediately answered to the real store 60 without inquiring the settlement institution 30 of the user ID. In this case, the financial institution transfers the settlement contents through the mobile phone company 20 to the mobile phone 10 of the user 10.
0 may be notified.

Further, in the above embodiment, the user information database 303 is provided in the settlement institution 30. However, the user information database 303 is provided in the mobile phone company 20 so that the financial institution such as the credit company 50 or the bank 55 can carry the user information. Telephone company 20
May be requested for payment confirmation. Alternatively, the user information database 303 may be provided in a financial institution such as the credit company 50 or the bank 55, and the financial institution itself may confirm the payment to the user 10 through the mobile phone company 20.

The embodiments disclosed this time are to be considered in all respects as illustrative and not restrictive. The scope of the present invention is defined by the terms of the claims, rather than the description above, and is intended to include any modifications within the scope and meaning equivalent to the terms of the claims.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a hardware configuration of a mobile phone used for use registration for a billing service and a server of a mobile phone company and a payment institution according to a first embodiment of the present invention.

FIG. 2 is a conceptual diagram showing a procedure of use registration for a billing agent service according to the first embodiment of the present invention.

FIG. 3 is a flowchart showing the use registration process shown in FIG. 2 by the mobile phone shown in FIG. 1 and the servers of the mobile phone company and the settlement organization.

FIG. 4 is a block diagram illustrating a hardware configuration of a personal computer, a mobile phone, and a server of a mobile phone company, a payment institution, a financial institution, and a virtual store used in the billing service according to the first embodiment of the present invention. is there.

FIG. 5 is a conceptual diagram showing a procedure of a billing proxy service according to the first embodiment of the present invention.

6 is a flowchart showing the billing proxy processing shown in FIG. 5 by the personal computer, mobile phone, and servers of a mobile phone company, a payment institution, a financial institution, and a virtual store shown in FIG.

FIG. 7 is a flowchart following FIG. 6;

FIG. 8 is a conceptual diagram showing a procedure of use registration for a payment confirmation service according to a second embodiment of the present invention.

9 is a flowchart showing the use registration process shown in FIG. 8 by the mobile phone shown in FIG. 1 and the servers of the mobile phone company and the settlement institution.

FIG. 10 is a conceptual diagram showing a procedure of a payment confirmation service according to a second embodiment of the present invention.

11 is a flowchart showing the settlement confirmation processing shown in FIG. 10 by the personal computer, the mobile phone, and the servers of the mobile phone company, the payment institution, the financial institution, and the virtual store shown in FIG.

FIG. 12 is a flowchart following FIG. 11;

13 is a conceptual diagram showing a procedure of a payment confirmation service for confirming payment at a real store instead of the virtual store shown in FIG.

[Explanation of symbols]

10 users, 20 mobile phone companies, 30 payment institutions,
40 virtual stores, 50 credit companies, 55 banks, 60 real stores, 100 mobile phones, 200, 300, 40
0,500 server, 202, 302, 502 database, 203, 501 personal information database, 30
3,503 User information database.

Claims (16)

[Claims] 1. A billing agent method using a computer that bills a financial institution for a settlement amount of a transaction performed between a seller and a buyer who is a user of a mobile phone, on behalf of the seller. Receiving the user identifier transmitted from the computer, searching a database storing the user identifier, the mobile phone number, and the account number of the financial institution in association with each user; A step of specifying a mobile phone number corresponding to a user identifier; a step of transmitting a message requesting approval of the payment to the user based on the specified mobile phone number; Transmitting the account number corresponding to the received user identifier to the computer of the financial institution after receiving. 2. The database according to claim 1, wherein the database further stores a service start status indicating whether or not the user has approved the start of the billing service. And determining whether the service start status is unapproved as a result of the determination, and transmitting a message to the seller's computer indicating that the billing proxy service cannot be used if the service start status is unapproved. 1
The billing proxy method described in. 3. The method according to claim 1, further comprising: registering a user identifier, a mobile phone number, and an account number of a financial institution in the database in response to an application from the user; Sending a message requesting the user to approve the application, and changing the service start status of the database from unapproved to approved after receiving a message approving the application from the user. The billing proxy method according to claim 2. 4. The billing proxy method according to claim 1, further comprising: receiving authentication information from the mobile phone; and comparing the received authentication information with pre-registered authentication information. The billing proxy method according to claim 1. 5. A billing proxy device for billing a financial institution for a transaction made between a seller and a buyer who is a user of a portable telephone to a financial institution on behalf of the seller, wherein the payment is transmitted from a computer of the seller. Means for receiving the user identifier, and a database that stores the user identifier, the mobile phone number, and the account number of the financial institution in association with each user, and searches the database for the received user identifier. Means for specifying a corresponding mobile phone number, means for transmitting a message requesting the user to approve the payment based on the specified mobile phone number, and after receiving a message for approving the payment from the user, Means for transmitting an account number corresponding to the received user identifier to a computer of the financial institution. 6. The database further stores a service start status indicating whether or not the user has approved the start of a billing service. Means for determining whether the service has not been approved or not, and means for transmitting a message to the seller's computer indicating that the billing proxy service cannot be used when the service start status is unapproved as a result of the determination. A billing proxy device according to claim 5. 7. The billing proxy device further includes means for registering a user identifier, a mobile phone number, and an account number of a financial institution in the database in response to an application from the user, and the registered user identifier. Means for transmitting a message requesting the user to approve the application, and means for changing the service start status of the database from unapproved to approved after receiving a message approving the application from the user. The billing proxy device according to claim 6. 8. The billing proxy device according to claim 5, further comprising: means for receiving authentication information from the mobile phone; and means for comparing the received authentication information with pre-registered authentication information. The billing proxy device according to claim 1. 9. A settlement confirmation method using a computer for confirming settlement between a seller and a buyer who is a user of a mobile phone to a user, the method including receiving a user identifier transmitted from a computer of a financial institution. Searching a database that stores the user identifier and the mobile phone number in association with each user, and specifying the mobile phone number corresponding to the received user identifier; Transmitting a message requesting the user to approve the payment based on the obtained mobile phone number; and receiving a message approving the payment from the user and transmitting the message to the computer of the financial institution. Confirmation method. 10. The database further stores a service start status indicating whether or not the user has approved the start of a payment confirmation service. The payment confirmation method further includes the step of: Determining whether the service start status is unapproved as a result of the determination, and transmitting a message to the seller's computer indicating that the payment confirmation service cannot be used if the service start status is unapproved. 9
Payment confirmation method described in. 11. The settlement confirmation method further comprises: registering a user identifier and a mobile phone number in the database in response to the application from the user; and applying to the user together with the registered user identifier. 11. The method according to claim 10, further comprising: transmitting a message requesting approval of the application, and changing a service start status of the database from unapproved to approved after receiving a message approving the application from the user. Payment confirmation method. 12. The payment confirmation method according to claim 9, further comprising: receiving authentication information from the mobile phone; and comparing the received authentication information with pre-registered authentication information. The settlement confirmation method according to any one of the above. 13. A settlement confirming device for confirming settlement between a seller and a buyer who is a user of a mobile phone to said user, comprising: means for receiving a user identifier transmitted from a computer of a financial institution; Means for searching a database that stores a user identifier and a mobile phone number in association with each user and specifying a mobile phone number corresponding to the received user identifier; and the specified mobile phone number. And a means for transmitting a message requesting the user to approve the settlement based on the above, and a means for receiving the message for approving the settlement from the user and transmitting the message to the computer of the financial institution. 14. The database further stores a service start status indicating whether or not the user has approved the start of the payment confirmation service. The payment confirmation device further includes: Means for determining whether the service has been approved or unapproved, and means for transmitting a message to the seller's computer indicating that the settlement confirmation service cannot be used when the service start status is unapproved as a result of the determination. 13. The payment confirmation device according to 13. 15. The settlement confirmation apparatus further includes: means for registering a user identifier and a mobile phone number in the database in response to an application from the user; and applying to the user together with the registered user identifier. 15. The method according to claim 14, further comprising: transmitting a message requesting approval of the application; and changing a service start status of the database from unapproved to approved after receiving a message approving the application from the user. Payment confirmation device. 16. The payment confirmation apparatus according to claim 13, further comprising: means for receiving authentication information from said mobile phone; and means for comparing said received authentication information with pre-registered authentication information. The payment confirmation device according to any one of the preceding claims.