JP2000132605A - Settlement system using communicable electronic unit - Google Patents

Abstract

PROBLEM TO BE SOLVED: To permit any person to freely purchase a commodity at any place, to execute settlement without much cost in preservation and to secure sufficient security by transmitting and distributing password information for settlement, which is managed by a prescribed organization, to a communicable electronic unit which has a memory function by means of exchanging it for value information. SOLUTION: When a user 1 communicates with a credit company 2 or the user goes to it and pays a prescribed amount, a password for settlement, which is issued from a reliable third mechanism, is directly transmitted to the portable telephone set of the user from the credit company 2. Since the user 1 always carries the portable telephone set, the password can safely be purchased without being learnt by a third person at an arbitrary place. Since the portable telephone set has a memory function and a display function, the reception of a call is displayed/recognized and it can be preserved. The user 1 can purchase a necessary commodity on internet by using the password or by actually going to a store 4.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system which is applicable to Internet payments and the like, and which distributes personal identification information for payment using a communicable terminal.

[0002]

2. Description of the Related Art In recent years, various products such as digital contents such as illustrations, photographs, and programs have become available for purchase on the Internet. However, sending credit card numbers over the Internet has been problematic due to security problems. Not.

[0003] Also, when purchasing goods on the Internet,
Usually, there are many small ones, and a method of providing a personal identification number with a scratch card is known as a system (a micropayment system) for purchasing such a small amount of goods. This method involves purchasing a scratch card at a specific place such as a bookstore, removing the scratch, revealing a PIN, connecting the computer to the Internet, entering the PIN of the scratch card, and purchasing the product. , The settlement is performed using the password. Further, a system has been proposed in which a personal identification number having a monetary value is printed on a receipt through a terminal device installed in a convenience store and distributed on such a network.

[0004]

In the conventional micropayment system, the purchase location of the scratch card is specified, which hinders its spread. In addition, since a voucher management must be performed at a scratch card store, the cost for this is high, and the manufacturing cost of the card itself is high. Also, in the method of distributing the PIN by installing the terminal device in a specific place, it is not possible to limit the user because it is sold to unspecified people, and the burden of managing the voucher at the store side is eliminated, but for the user side The place of purchase is specified and convenience is not sufficient.

[0005] The present invention is to solve the above-mentioned problems, so that anyone can freely purchase any place, settle without any storage cost, and ensure sufficient security. The purpose is to:

[0006]

SUMMARY OF THE INVENTION According to the present invention, payment password information managed by a predetermined institution is transmitted and distributed to a communicable electronic device having a memory function in exchange for predetermined value information. The settlement is performed based on the settlement password information. Further, the present invention is characterized in that a user does not select a place at which to purchase a product by using the distributed settlement password information. Further, the present invention is characterized in that it is possible to determine whether or not a purchased product is acceptable by adding additional information available from a credit company or a financial institution to the above-mentioned settlement password information. Further, the communicable electronic device of the present invention is a mobile phone,
Personal computers, vehicle navigation systems,
It is a facsimile machine, a home telephone, or a pager.

[0007]

Embodiments of the present invention will be described below. FIG. 1 is a diagram illustrating an example of a settlement system of the present invention using a credit company. When the user 1 communicates or goes to the credit company 2 and pays a predetermined amount, the trusted third party 3 (Trusted Third Party 3)
: TTP) is transmitted from the credit company 2 directly to the user's mobile phone. Since mobile phones are always carried by the user, the purchase of a personal identification number can be performed in any place in real time, and can be performed extremely safely without being known to a third party. In addition, the mobile phone has a memory function and a display function. So that it can be displayed and confirmed that it has been received and stored.
Of course, it is also possible to make a contract with a credit company with an identification card or the like in advance, register a password or the like, create a credit card, and purchase a personal identification number using the card. In this case, for example, hardware (for example, a numeric keypad) of a communicable electronic device is used, a password and a credit card number are presented by voice directly from the communicable electronic device, or the credit card company is provided with an appropriate Specific dedicated equipment installed at the place (not shown)
When a credit card is inserted and a password is entered and a predetermined amount is entered, a password for settlement is transmitted to the mobile phone. The password is transmitted by TTP
From the user directly.

As shown in FIG. 2, for example, as shown in FIG. 2, information such as payee, user limitation, expiration date, etc. may be added to the password. Further, personal information of a user available from a credit company or a financial institution may be added, and the information may be used to determine whether or not to purchase a product based on the additional information. The user can purchase necessary commodities on the Internet or actually go to the store 4 using the password. The store that has sold the product using the personal identification number notifies the TTP of the personal identification number for settlement and makes a payment request. In TTP, the credit company is notified of a password for settlement and makes a payment request, and the credit company makes settlement with TTP,
P pays the store account. Further, the credit company itself may implement the function of TTP. By using the password transmitted to the mobile phone in this way, there is an advantage that the user does not have to select a place to purchase the product.

In the above-described example, the personal identification number is transmitted to the mobile phone. However, the present invention is not limited to this. Any electronic device having a communication function and a memory function may be used. It is also possible to use a vehicle navigation device, a facsimile device, a home phone having a memory function, a personal computer, a pager, and the like.

In the above example, an example using a credit company has been described. However, the present invention is not limited to this. For example, a telephone company, a convenience store, a financial institution, or the like may be used. . In the case of a telephone company, since the management of the user's telephone number can be performed, the distribution of the personal identification number can be performed smoothly.

[0011]

As described above, according to the present invention, it is possible to purchase a monetary value (password) in real time using communication. In addition, the password can be communicated and displayed / stored on an electronic device with a memory function,
The security of the personal identification number can be improved. further,
By making it possible to purchase a network directly from a communicable electronic device that stores and stores a personal identification number, the convenience can be further improved. The settlement of the purchased personal identification number can be provided by a secure settlement means using a credit company, a telephone company or the like. In addition, a store or the like can leave troublesome billing work to a credit company, a telephone company, or the like. Furthermore, not only is capital investment in hardware minimal compared to conventional methods such as bit caches,
It is possible to reduce the cost of storing and managing the personal identification number, and it is also possible to grasp the attributes of the purchaser.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram of a product purchase settlement system according to the present invention.

FIG. 2 is a diagram showing a configuration of a password.

[Explanation of symbols]

1. User, 2. Credit company, 3. TTP, 4. Store.

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Claims (4)

[Claims] 1. In exchange for predetermined value information, payment password information managed by a predetermined organization is transmitted and distributed to a communicable electronic device having a memory function, and based on the distributed payment password information. A settlement system using a communicable electronic device, which performs settlement. 2. The settlement system according to claim 1, wherein a user does not select a place at which to purchase a product by using the distributed password information for settlement. 3. The method according to claim 1, wherein said settlement password information is determined by adding additional information available from a credit company or a financial institution.
The payment system described. 4. The communication device according to claim 1, wherein the communicable electronic device is a mobile phone, a personal computer, a vehicle navigation device, a facsimile device, a home telephone, or a pager (registered trademark). Payment system.