JP2007328549A - Purchase price payment method for commodity/service - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a safe purchase price payment method, enabling payment for an acquired service or commodity through anyone's cellular phone. <P>SOLUTION: The method comprises a first information terminal 1 carried by a serviceman, a payment proxy server 2 owned by an agent which performs price payment for a user, a cellular phone 3 capable of photographing QR code, and a basic database server 4 storing payment information including commodity information and user information. The serviceman fetches payment information from the basic database 4 to the first information terminal 1 at a site. The first information terminal 1 converts the payment information to QR code. The cellular phone 3 fetches the QR code by photographing, reads the payment information from the fetched QR code. The user inputs identification information that is information necessary for payment to the cellular phone 3, and transmits the read payment information and the inputted identification information from the cellular phone 3 to the payment proxy server 2, whereby payment of the purchase price of the commodity/service is performed. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a settlement method for settlement of purchase prices for goods and services.

Conventionally, as disclosed in Patent Document 1, information such as the purchase price of goods and the transfer destination is displayed in a two-dimensional code on the first information terminal, and the user prepares for the second information terminal. The camera unit captures the two-dimensional code, and sends the information of the two-dimensional code from the second information terminal to the payment agent server, thereby confirming that the user has purchased the product and performing the payment process. There is a payment method.
JP 2003-141433 A

  In the settlement method disclosed in the above-mentioned patent document 1, it is confirmed that the purchase is made by the user himself / herself using the mobile phone number as the second information terminal. Therefore, when the user loses the mobile phone or the like, there is a problem that a third party may use the mobile phone to perform shopping or the like.

  The present invention has been devised in view of the above-described conventional problems, and provides a payment method for a purchase price of a product / service that can be settled for a customer's required item without specifying the owner of the mobile phone. Claim 1 provides a first information terminal capable of two-dimensionally encoding payment information comprising product information such as the price of a product / service and user information such as a user's name, A service agent having a payment agent server owned by a business agent who pays for the service, a second information terminal capable of photographing a two-dimensional code, and a basic database server storing the payment information; Payment information is sent from the basic database to the first information terminal at the site, the first information terminal converts the payment information into a two-dimensional code, and the two-dimensional code is captured and captured by the second information terminal; Two taken The payment information is read from the original code, the identification information, which is information necessary for the payment, is input to the second information terminal by the user, and the read payment information and the input identification information are sent from the second information terminal to the payment. This is a settlement method in which the purchase price of goods / services is settled by sending to a proxy server.

  The present invention provides a first information terminal capable of two-dimensionally encoding payment information including product information such as the price of a product / service and user information such as a user's name, and payment for the price of the product / service. A payment agent server owned by a contracting company, a second information terminal capable of photographing a two-dimensional code, and a basic database server storing the payment information. Sent to the first information terminal, the first information terminal converts the payment information into a two-dimensional code, captures and captures the two-dimensional code with the second information terminal, and sets the payment information from the captured two-dimensional code. The user inputs identification information, which is information necessary for payment, to the second information terminal, and sends the read payment information and the input identification information from the second information terminal to the payment agent server. In order to settle the purchase price of goods / services, the customer is identified by performing identification within the site from the identification information such as the credit number and the name of the holder entered by the customer, and the information held by the individual mobile phone Because it is not used for payment conditions, it is possible to settle for customer's required items without specifying the owner of the mobile phone, and the customer himself performs input work for payment, so the customer's personal information is collected It will be safe without leaving it on the terminal of the user.

Embodiments of the present invention will be described below with reference to the drawings.
FIG. 1 is a schematic configuration of a device necessary for executing the method for settlement of purchase price of goods / services of the present invention. A first information terminal 1 composed of a portable personal computer or the like is carried by a serviceman. The settlement agency server 2 is owned by a trader who carries out settlement of payment for goods and services. Further, the second information terminal 3 constituted by a mobile phone is used by a user, that is, a customer, and does not have to be the mobile phone of the customer himself / herself, and may be any mobile phone.
The basic database server 4 stores the product information such as the price of the product / service and the user information such as the user's name / address.

As shown in the flowchart of FIG. 2, at S1, when the customer requests a service such as purchase or repair of the product, the basic database server 4 stores the product information such as the price of the product or service and the customer's information. User information such as name and address is registered and stored.
When a service such as a product or a repair is provided to the customer and the delivery of the product or service to the customer is completed, the service person at the customer site uses the first information terminal 1 in S2, Payment information is fetched from the core database server 4. That is, the product information such as the product number and price of the product, which is the settlement information, and the user information such as the user's name and address are already stored in the basic database 4, and are stored in the first information terminal 1. take in.

Further, in S3, based on the payment information fetched into the first portable terminal 1 and the payment site URL, it is converted into a two-dimensional code to generate a two-dimensional code.
This two-dimensional code can efficiently express all kinds of data such as numbers, English letters, kanji, hiragana, etc., and can be restored even if it is partially dirty or damaged, and is stable without being affected by the background pattern. For example, a so-called QR code of a matrix system is used.
The QR code that encodes the user name, address, receipt number, slip number, product information such as the product number and price of the provided product, the tax-included charge amount, and the settlement site URL for identifying the user is the first. It may be created on the PDA screen of the information terminal 1 or on the customer's copy.

Further, in S4, the customer takes a picture of the created QR code using the camera unit of his / her mobile phone, service person or third party's mobile phone, and reads it into the mobile phone 3 which is the second information terminal. .
In S5, when the mobile phone 3 accesses the payment site via SSL communication (i-mode, etc.), the authentication server connected to the basic database server 4 on the payment site is accepted in the basic database server 4 in S6. Authenticate access rights at. That is, it is confirmed that there is no mistake in the reception number, and settlement of other projects due to wrong people is prevented.

Thereby, in S7, personal information linked to the reception number is acquired from the basic data server 4, and the screen of FIG. When “Agree” is selected, the customer's name and slip number as shown in FIG. 4 and the total amount of the bill are displayed on the screen. The customer confirms this and proceeds to the screen as shown in FIG. When the customer inputs the credit card number, the card expiration date, and the name of the card holder by pressing the dial button of the mobile phone, confirms the payment amount on the screen as shown in FIG. 6, and selects “settlement”, in S9, Data is transmitted to the settlement agency and the card settlement is completed in S10.
In S11, as shown in FIG. 7, the completion of the card payment is displayed as card payment completion information on the screen of the mobile phone 3 on the customer side (the last 12 digits of the credit card number are not displayed in order to protect personal information). ) The customer confirms this, and in S12, the display screen can be saved as a mobile phone screen memo.

  In the present invention, the accounts receivable settlement information (accounts receivable information) and the settlement site URL are converted into a QR code and presented to the customer. However, the payment information received from the payment agent is immediately reflected in the basic database. In addition, the customer is identified by performing authentication within the site from the entered credit number, expiration date, and the name of the holder, and the information held by the individual mobile phone is not used as a payment condition, so the owner of the mobile phone is specified. Without using it, anyone can use their mobile phone to make a payment.

  In addition, since the customer himself / herself performs the input work associated with the payment using the mobile phone, it is not necessary to read magnetic information or record paper, and the customer's personal information is not left on the payment collector terminal, which can be relieved. Become. In addition, since it is intended for payment of services and products that have already been provided to customers, even if the customer has already obtained the necessary services and products and the QR code information has passed on to others, the customer There is no real harm.

If payment is not made within two weeks, the invoice attached with the QR code is sent to the customer, and the customer reads the QR code attached to the invoice with the camera unit of the mobile phone. Then, the card payment is made according to the procedure as described above.
In cases other than card payment, an invoice / transfer sheet is sent to the customer, and payment is made by transfer from a bank or the like using this transfer sheet.

It is a block diagram of the apparatus used in order to perform the payment method of this invention. It is a flowchart figure of the procedure which performs a payment method. It is an example of the screen displayed on a mobile phone. It is an example of the screen of the personal information acquired from the basic database displayed on a mobile phone. It is an example of the screen at the time of inputting a card number, an expiration date, and a holder's name from a mobile phone. It is an example of the screen of the mobile telephone at the time of transmitting payment. It is an example of the screen which displays card payment completion information on the screen of a mobile phone.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 1st information terminal 2 Payment agency server 3 2nd information terminal (cell-phone)
4 Core database server

Claims (1)

A first information terminal capable of two-dimensionally encoding payment information including product information such as the price of a product / service and user information such as a user's name;
A payment agent server owned by a company acting as a payment agent for goods and services;
A second information terminal capable of photographing a two-dimensional code;
A backbone database server storing the payment information,
A serviceman sends payment information from the basic database to the first information terminal on site, and the first information terminal converts the payment information into a two-dimensional code,
Capture and capture the two-dimensional code with a second information terminal,
Read payment information from the imported 2D code,
By inputting identification information, which is information necessary for payment, to the second information terminal, and sending the read payment information and the input identification information from the second information terminal to the payment proxy server, A payment method that settles the purchase price of goods and services.

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