JP2000311209A - Electronic financial transaction system using mobile terminal having portable telephone function, electronic credit card system, electronic commodity installment system and electronic money system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an electronic financial transaction system, an electronic credit card system, an electronic commodity installment system and an electronic money system which are safely available in a wide range of application. SOLUTION: This system consists of a mobile terminal 2 having a portable telephone function and a mobile center 3 which can communicate with the terminal 2 and a financial institution system 4. The terminal 2 includes a financial transaction request means 8, a mobile communication means 13, a mobile display means 14, a mobile input means 12 and a mobile storage 15. The center 3 includes a center communication means 18, a financial transaction relay means 19 and a center storage 25 having a financial relative information data base 26. Then the system 4 includes a financial institution communication means 30, a financial transaction processing means 31 and a financial institution storage having a financial data base 34.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic financial transaction system, an electronic credit card system, and an electronic installment using a mobile terminal having a mobile phone function (including a mobile phone having a high processing capability). Related to electronic money systems.

[0002]

2. Description of the Related Art Electronic financial transaction system An electronic financial transaction system is a system for transferring money from a user's account to another account, making a deposit transfer, checking the balance, and the like by merely exchanging electronic data.

[0003] In principle, in an electronic financial transaction system, a user requests a communication from a financial institution, and after some kind of identity authentication processing, operates the amount of money for the person's account at the request of the person. is there.

[0004] In the technical field of the electronic financial transaction system, data leakage, in particular, a user's account number, personal identification number, etc. (this information is referred to as "financial information" in this specification)
Call. It is very important to prevent the third party from being known to third parties.

A conventional electronic financial transaction system connects an electronic financial transaction terminal with a processing system of a financial institution by a dedicated line,
By exchanging electronic data one-on-one, personal authentication and financial transaction processing were performed. The use of the dedicated line prevents financial-related information from leaking outside due to electronic financial transactions.

On the other hand, an electronic financial transaction system using a mobile phone has recently been realized.

[0007] The electronic financial transaction system using the mobile phone is based on the reliability of the mobile phone communication network.

[0008] Communication by a mobile phone has a unique technology such as confirmation of a transmission / reception partner, maintenance of a communication channel, encryption of communication contents, and the like, and high security of communication is maintained. The electronic financial transaction system using the mobile phone is based on the reliability of the mobile phone communication network. That is, the electronic financial transaction system using the mobile phone exchanges financial-related information on the mobile phone communication network during the electronic financial transaction, assuming that communication by the mobile phone does not leak outside.

Electronic Credit Card System An electronic credit card system is an electronic credit card system in which trading parties exchange and exchange a card to be used, a usage amount, an approval of a card company and an approval number thereof by electronic data exchange. Complete the system.

The electronic credit card system of the present invention uses a "mobile terminal having a mobile phone function" described later as a credit card. That is, the invention of the present application utilizes a wireless communication and can use a medium such as the Internet, whose security reliability is not so high.

As far as the applicant of the present application is aware, there has been no such electronic credit card system. Therefore, here, a conventional credit card transaction will be briefly described.

A conventional credit card transaction is
It uses a credit card issued independently by a card company, a terminal called a card reader, and a telephone line or a dedicated line.

In a conventional credit card transaction, a user submits a credit card in response to a payment request from a card member store. The member store reads the card number on the card by a card reader and sends the card number and the billed amount to the card company via a telephone line or a dedicated line. In response to the card use request, the card company checks the user's usage limit and the like, and when it is determined that the card can be used, returns the approval data called “approval number” to the card reader of the member store. The franchisee receives the sign of payment by the card user and delivers the goods, provided that the "approval number" is received.

Regarding the actual settlement of the fee, the card company will pay the member store later, and the card user will pay the card company.

This conventional credit card transaction prevents leakage of card information by using a dedicated line or a relatively reliable telephone line.

Electronic installment installment system The electronic installment installment system enables an individual installment contract between a credit sales company and a customer by exchanging electronic data when so-called installment payment is made for individual products. System.

[0017] The electronic individual product installment system of the present invention also uses a "mobile terminal having a mobile phone function" similarly to the aforementioned electronic credit card system.
To the best of the applicant's knowledge, no such system has existed in the past. Therefore, here, a brief description will be given of a conventional commercial transaction using individual installment.

In the conventional individual installment transaction, an existing communication tool such as Fax or telephone is used, and a contract is made between a customer and a credit sales company (hereinafter referred to as a credit sales company) by a primitive method. Was.

For example, when a customer decides to purchase a certain product by an installment payment method, the dealer causes the customer to enter various data for an individual product installment contract on a predetermined sheet.

After the customer fills out the form, the dealer will fax
The data written on the form is transmitted to the credit company. The credit sales company conducts a credit check of the customer based on the received data and determines whether or not an individual product installment contract is possible.

If the credit sales company determines that an individual product installment contract may be concluded, the credit sales company confirms the intent of the person by telephone or the like, and notifies the store to approve the delivery of the product. As a result, the product is delivered to the customer, and thereafter, the customer pays the installment of the fee to the credit company based on the contract.

In the conventional individual installment commercial transaction, each credit sales company independently conducts a credit check of a customer, and a dealer carries out contract business. The credit company and the customer, who are actually contracting parties, mutually confirmed each other's intentions using another communication medium such as a telephone.

Electronic Money System An electronic money system is a system for exchanging electronic data of money without actually exchanging money in commercial transactions.

Conventionally, various electronic money systems have been proposed.

Currently, the most widely used system uses an IC card. In this system, a predetermined amount of money is stored in a wallet
A predetermined amount of electronic money is stored in the card. When the electronic money is stored in the IC card, the processing system of the financial institution communicates with the IC card, the processing system of the financial institution identifies the IC card, and the identification data of the account of the IC card owner is stored in the electronic money. Attached and issued.

When electronic money is used by using the IC card, the IC card is inserted into the IC card reader of the store, and the store side communicates with the IC card reader to communicate with the IC card owner. Upon receiving the electronic money in the name, the amount of the IC card decreases by the amount paid to the store.

Thereafter, the store requests the financial institution to settle, and the processing system of the financial institution debits the electronic money received by the store from the account of the IC card owner, and pays the requested amount to the store. .

As is apparent from the above description, the conventional electronic money system includes a processing system of a financial institution and an IC.
The authentication of the IC card owner is performed between the card or the IC card reader of the store and the IC card.

According to this method, since the IC card and the IC card reader directly communicate with each other at a short distance, the possibility that the financial information of the electronic money owner leaks to the outside is reduced.

[0030]

However, each of the above-mentioned conventional systems has the following problems to be solved.

Electronic Financial Transaction System A conventional electronic financial transaction system using a mobile phone exchanges financial related information of a user on the mobile phone communication network on the premise of the reliability of the mobile phone communication network as described above. .

However, important financial information such as a user's personal identification number and account number should not be distributed over a widely open communication network, even a mobile telephone communication network.

Recently, mobile phones and mobile terminals using the Internet as means of communication have been increasing. This is because the Internet is extremely convenient as a widely used communication medium, and its use may be greatly expanded as communication in the future.

On the other hand, since the Internet has a property that data passes through another person's network, the reliability of data security is not high.

However, if the above-mentioned data security problem can be overcome, the electronic financial transaction system using the Internet has a wider possibility of use than a mobile phone communication network.

An object of the present invention is to develop a system capable of conducting electronic financial transactions using portable information devices without distributing important financial information over a communication network. Is to do. This provides an electronic financial transaction system that can use a very convenient communication medium such as the Internet, which has low data security reliability.

Electronic Credit Card System In a conventional credit card transaction, card information such as a card number is communicated using a telephone line or a dedicated line.

However, the forms and demands of commercial transactions using credit cards are spreading to various business places. For example, in the case of mail order sales, there are a wide variety of customers who want to use a credit card, while there are also a large number of franchisees who want to meet the needs of those customers.

On the other hand, the conventional method of commercial transactions using a credit card is not suitable for commercial transactions between remote locations that are not directly connected by a dedicated line or a telephone line.

This is because there is a risk that card information may be leaked from the communication line, and it is difficult to prevent unauthorized transactions impersonating another person because it is not possible to directly confirm the partner of the transaction if the transaction is not face-to-face.

The problem to be solved by the present invention is to prevent the leakage of card information and the use of an unauthorized credit card impersonating another person, and enable electronic transactions that enable secure credit card transactions between remote locations. Credit card system.

Electronic Individual Installment Payment System Conventional individual installment commercial transactions have been difficult to process quickly.

As described above, the conventional individual installment commercial transaction is as follows.
The dealer enters into an individual product installment contract on behalf of the credit company. The credit sales company conducts a credit check of a customer with unique information based on data sent from a store by a communication means such as Fax. After the credit investigation, at the stage of signing a contract, the credit company checks the customer's intentions and the like by telephone or the like.

However, entry of data for an individual product installment contract, credit check at a credit sales company, identity verification by telephone, etc., each require a considerable amount of time, and it takes a long time to complete the individual product installment contract. Was required.

Since each credit company conducts a customer credit survey based on its own information, each credit company repeats the same survey for the same customer.

For this reason, if the customer information already stored in the credit card company is effectively used by each credit sales company,
The customer's credit check can be performed quickly, and a highly reliable credit check can be expected.

Therefore, the problem to be solved by the present invention is to provide an electronic individual product installment system capable of quickly concluding an individual product installment contract and performing a highly efficient customer credit investigation by effectively utilizing customer information. To provide.

Electronic Money System A conventional electronic money system requires an IC card and an IC card reader system equipment in order to use an IC card. This IC card and IC card reader
In order to be able to use electronic money widely, it is necessary to install many. Thus, the overall equipment is quite expensive.

Also, the above-mentioned IC card and IC card reader can be a dedicated system for electronic money.
It is reducing investment efficiency.

In an electronic money system using an IC card, it is not convenient to issue and return electronic money.

Since an IC card communicates at a short distance, it must be inserted directly into a processing system of a financial institution in order to issue or return electronic money. This means
The convenience of the electronic money is impaired to some extent. On the other hand, the electronic exchange of data, the issuance of electronic money,
The development of a technology that can be returned was awaited.

The problem to be solved by the present invention is to provide a safe and convenient electronic money system which can use existing facilities, has a high investment efficiency, and is highly efficient.

[0053]

An electronic financial transaction system according to claim 1 of the present application includes a mobile terminal having a mobile phone function, and a mobile center configured to be able to communicate with the mobile terminal and a financial institution system. The mobile terminal comprises a financial transaction requesting unit, a mobile communication unit, a mobile display unit, a mobile input unit,
A mobile-side storage device, wherein the mobile center includes a center-side communication unit, a financial transaction relay unit, and a center-side storage device having a financial-related information database that stores and manages financial-related information of a user. The financial institution system includes a financial institution side communication means, a financial transaction processing means, and a financial institution side storage device having a financial database for storing and managing financial data of a user. Means for displaying a financial transaction menu on the mobile-side display means in response to a user request, prompting a user to input a financial transaction type and a required transaction amount by the mobile-side input means, and input mobile terminal identification data into the input data. In addition, primary data of financial transactions is generated, and this is transmitted to the mobile center by the mobile side communication means. In the mobile center that has received the financial transaction primary data, the financial transaction relaying unit performs confirmation communication with the mobile terminal indicated by the mobile terminal identification data received by the center-side communication unit, and performs a true financial transaction. When it is confirmed that the transaction request, the financial related information database is accessed, the financial related information of the user of the mobile terminal is searched, and this is added to the financial transaction primary data to obtain the financial transaction secondary data. Generated and transmitted to the financial institution system by the center side communication means, in the financial institution system receiving the financial transaction secondary data, the financial transaction processing means, based on the financial transaction secondary data The financial database is accessed and data processing of financial transactions is performed. It is an.

The electronic financial transaction system according to claim 2 of the present application is the electronic financial transaction system according to claim 1, wherein the financial institution system has financial transaction data transmission means, and the mobile center is provided in the center side storage device. Along with having a financial transaction database, having financial transaction data distribution means, the mobile terminal has financial transaction data storage means for storing financial transaction data in the mobile storage device, and has a financial transaction confirmation means, The financial transaction data transmitting means of the financial institution system acquires the financial transaction data of each user at regular intervals and transmits the data to the mobile center by the financial institution side communication means,
In the mobile center that has received the financial transaction data, the financial transaction database stores the financial transaction data, and the financial transaction data distribution unit accesses the financial transaction database to acquire the financial transaction data of each user, The financial transaction data is distributed to each mobile terminal, and in the mobile terminal that has received the financial transaction data, the financial transaction data storage unit stores the financial transaction data, and the financial transaction confirmation unit is operated by a predetermined operation. The financial transaction data is taken out from the financial transaction data storage means, and the financial transaction data is displayed by the mobile side display means.

According to a third aspect of the present invention, in the electronic financial transaction system according to the first or second aspect, the mobile center has a profile database in the center side storage device, and has a financial transaction authentication means. The financial transaction authentication unit, upon receiving an authentication request for a financial transaction from the financial transaction relay unit, searches the profile database for profile data of a user of the mobile terminal that has made the financial transaction request, and selects one of the randomly selected ones. The question data about the profile data of the section is created and transmitted to the mobile terminal by the center side communication means, and in the mobile terminal receiving the question data, the financial transaction request means transmits the question data to the mobile side. Display by the display means, the answer data to the user to the mobile Side, input the reply data to the mobile center by the mobile side communication means, and receive the reply data. At the mobile center receiving the reply data, the financial transaction authentication means compares the reply data with the profile data. And, if they match, sends a signal to the financial transaction relay means that the financial transaction request is true, and the financial transaction relay means inputs the signal indicating that the financial transaction request is true. The next data is generated.

According to a fourth aspect of the present invention, in the electronic financial transaction system according to the first to third aspects, the mobile center has a daily authentication information database in the center side storage device and has a daily authentication means. And
The mobile terminal has a daily authentication information storage unit in the mobile storage device, and has a daily authentication information management unit, the daily authentication unit, for each mobile terminal,
In addition, in the mobile terminal that generates the daily authentication information different for each day, stores the authentication information in the daily authentication information database, distributes the authentication information to each mobile terminal by the center side communication unit, and receives the daily authentication information. The daily authentication information storage means stores the daily authentication information, and the daily authentication information management means stores the daily authentication information from the daily authentication information storage means when the user makes a financial transaction request. In the mobile center that receives the financial transaction primary data and adds it to the financial transaction primary data, transmits the financial transaction primary data to the mobile center by the financial transaction requesting means, and Extracting the daily authentication information and the mobile terminal identification signal from the primary data, accessing the daily authentication information database and collating the daily authentication information When the daily authentication information and the mobile terminal identification signal are correct, a signal indicating that the financial transaction request is true is transmitted to the financial transaction relay means, and the financial transaction relay means determines that the financial transaction request is true from the daily authentication means. The financial transaction secondary data is generated on condition that a signal is received.

An electronic financial transaction system according to a fifth aspect of the present invention is the electronic financial transaction system according to any one of the first to fourth aspects,
The mobile center is characterized by having high-value transaction warning means for displaying the contents of the financial transaction on the display screen of the call center when the value of the financial transaction exceeds a certain value.

An electronic financial transaction system according to claim 6 of the present application is the electronic financial transaction system according to any one of claims 1 to 5, wherein the mobile terminal detects that the mobile terminal has been charged, or
It has a return message means for detecting that the battery has not been charged for a predetermined time and automatically transmitting a return message to the mobile center, and the mobile center automatically transmits the return message to a user's registered mail address. It is characterized by having return message transmission means.

An electronic credit card system according to a seventh aspect of the present invention includes a mobile terminal having a mobile phone function, a mobile center capable of communicating with the mobile terminal and a member store of the electronic credit card, and a mobile center capable of communicating with the mobile center. A card company system, wherein the mobile terminal includes a card use requesting unit, a mobile-side communication unit, a mobile-side display unit, and a mobile-side input unit, and the mobile center includes a center-side communication unit,
Card use request relay means, a center side storage device having a card information database for storing and managing card information of each user and a member store database for storing and managing member store information, wherein the card company system comprises: Company-side communication means, a card company-side storage device having a customer database for storing and managing customer card usage,
Card transaction processing means, wherein the card use request means of the mobile terminal is activated by a user operation, displays an input screen for card use on the mobile side display means, and gives the user a member store code, an amount of money. ,method of payment,
The purchase data including the product code and the invoice code is input, and the mobile terminal identification data is generated by adding mobile terminal identification data to the purchase data, and the card use primary data is transmitted to the mobile center by the mobile side communication means. At the mobile center that has received the card use primary data, the card use request relaying means confirms that the member store code is a registered member store by using the member store database, and reads the card of the mobile terminal from the card information database. The card which acquires information, adds the card use primary data to generate card use secondary data, transmits the card use secondary data to the card company system by the center side communication means, and receives the card use secondary data In the company system, the card transaction data processing means is provided by the Access the database, determine whether the card can be used, if the card can be used, assign an approval number to create card use approval data, and send it to the mobile center by the card company side communication means. In the mobile center that has received the card use approval data, the card use request relay unit transmits the card use approval data to the member store and the mobile terminal when necessary. is there.

[0060] In the electronic credit card system according to claim 8, the member store has an electronic commerce terminal, wherein the electronic commerce terminal is an electronic commerce processing means, an electronic commerce terminal side input means, and an electronic commerce terminal. Side display means, e-commerce terminal side communication means, output means, and e-commerce terminal side storage means, wherein the e-commerce terminal performs the e-commerce processing when there is a request to use an electronic credit card. Means for displaying a purchase data input screen on the electronic commerce terminal side display means, and allowing the member store salesperson to purchase, including the member store code, the amount, the payment method, the product code, and the bill code by the electronic commerce terminal side input means. The mobile terminal transmits the purchase data to the mobile terminal by the electronic commerce terminal side communication means, and receives the purchase data. In the mobile terminal, the card use requesting means displays the purchase data by the mobile side display means and requests the user to input a confirmation. Generating card use primary data by adding identification data, transmitting the card use primary data to the mobile center by the mobile terminal side communication means, and receiving the card use primary data at the mobile center, the card use request relay means Confirms that the member store code is a registered member store using the member store database, searches the card information database for the card information of the mobile terminal, adds the card information to the card use primary data, and Next data is generated, and this is transmitted to the card company system by the center side communication means. In the card company system that has transmitted the card use secondary data, the card transaction processing means accesses the customer database, determines whether or not the card can be used, and determines whether the card can be used. To the mobile center by the card company-side communication means, and the mobile center that has received the card usage approval data relays the card usage request relay to the mobile center. Means for transmitting the card use approval data to the electronic commerce terminal and, if necessary, to the mobile terminal by the center side communication means.

The electronic credit card system according to claim 9 of the present application is the electronic credit card system according to claim 8, wherein the electronic commerce terminal sends the electronic credit card to a member store sales clerk when there is a request to use an electronic credit card. The purchase data including at least a part of the member store code, the amount, the payment method, the product code, and the bill code are input by the input means on the commercial transaction terminal side, and the purchase data is transmitted to the mobile terminal by the communication means on the electronic commerce terminal side. And the mobile terminal receiving the purchase data,
The card usage requesting means displays the purchase data by the mobile side display means, requests a user to input a confirmation, and adds a mobile terminal identification data to the purchase data when the user inputs a confirmation. The card-usage primary data is generated and returned to the e-commerce terminal by the mobile-side communication means, and in the e-commerce terminal receiving the card-usage primary data, the e-commerce processing means is connected to the e-commerce terminal side. The display means displays the received card use primary data, and requests the member store salesperson to enter a confirmation and, if there is a remaining part of the purchase data, to enter the purchase data of the remaining part. If there is a confirmation input by the member store salesperson via the terminal-side input means, the e-commerce terminal-side communication means uses the card. It is characterized in that to send the next data to the mobile center.

According to a tenth aspect of the present invention, in the electronic credit card system according to any one of the seventh to ninth aspects, in the mobile center that has received the card use primary data, the card use request relay means is provided. The center side communication means performs confirmation communication with the mobile terminal indicated by the mobile terminal identification data, and performs a card use secondary data generation process when the request is a true card use request.

An electronic credit card system according to claim 11 of the present application is the electronic credit card system according to any one of claims 7 to 10, wherein the card company system has card use data transmitting means, and the mobile center is The center side storage device has a card usage database, and has a card usage data distribution unit, and the mobile terminal has a card usage data storage unit in the mobile side storage device, and has a card usage confirmation unit, The card usage data transmitting means of the card company system obtains the card usage data of each user at regular intervals, transmits the data to the mobile center by the card company side communication means, and receives the card usage data at the mobile center. Is the card usage database Storing the card transaction data, the card usage data distribution means accessing the card usage database to acquire the card usage data of each user, and distributing the card usage data to each mobile terminal; In the mobile terminal having received the card use data, the card use data storage means stores the card use data, and the card use confirmation means retrieves the card use data by the card use data storage means by a predetermined operation, and the mobile side display means , The card usage data is displayed.

According to a twelfth aspect of the present invention, there is provided an electronic credit card system according to the eleventh aspect, wherein the mobile terminal stores the use result of the electronic credit card in the mobile storage device. When the card usage data is received from a mobile center, the card usage confirmation means includes a received card usage data and an electronic credit card usage history stored in the card usage history storage means. And outputs the result of the comparison.

An electronic credit card system according to a thirteenth aspect of the present invention is the electronic credit card system according to any one of the seventh to twelfth aspects, wherein the mobile terminal detects that the mobile terminal has been charged or charges the mobile terminal for a predetermined time. Return message means for automatically transmitting a return message to the mobile center, the mobile center automatically transmitting the return message to a registered mail address of the user. It is characterized by having.

An electronic individual installment installment system according to claim 14 of the present application is a mobile terminal having a mobile phone function, an electronic commerce terminal capable of communicating with the mobile terminal, and capable of communicating with the mobile terminal or the electronic commerce terminal. A mobile center, a card company system capable of communicating with the mobile center, and a credit sales company system capable of communicating with the card company system and the mobile center, wherein the mobile terminal is an individual item requesting use of an individual installment. The electronic commerce terminal includes an installment requesting unit, a mobile communication unit, a mobile display unit, and a mobile input unit, wherein the electronic commerce terminal includes an electronic individual product installment processing unit, an electronic commerce terminal side input unit, and an electronic commerce terminal. Terminal-side display means, e-commerce terminal-side communication means, output means, and e-commerce terminal-side storage means, The mobile center includes a center-side communication unit, an individual product installment request relaying unit, and a center-side storage device having a card information database for storing and managing card information of each user. A credit card company side storage device having a customer database for storing and managing customer information; and an individual product installment request processing means, wherein the credit company system includes a credit company communication device, an individual product installment, Contract means,
A credit company-side storage device having a contract database and a credit customer database, wherein the electronic commerce terminal comprises:
When there is a request for an electronic individual product installment, the individual product installment processing means causes the electronic commerce terminal side display means to display a purchase data input screen, and allows the member store salesperson to join by the electronic commerce terminal side input means. Enter at least a part of purchase data including a store code, an amount, a payment method, a product code, and an invoice code, transmit the purchase data to the mobile terminal by the electronic commerce terminal side communication means, and receive the purchase data. In the mobile terminal described above, the individual product installment requesting means displays the purchase data by the mobile side display means, requests the user to input data necessary for the individual product installment contract, and the user input is completed. In this case, the mobile terminal identification data is added to generate individual installment primary data, which is returned to the electronic commerce terminal, and the individual installment primary data is returned. In the received electronic commerce terminal, the individual item installment processing means displays the individual item installment primary data by the electronic commerce terminal side display means, and inputs the confirmation to the member store salesperson and the remaining part in the purchase data. If there is, request input of the remaining purchase data, and if there is a confirmation input of the member store salesperson via the electronic commerce terminal side input means, by the electronic commerce terminal side communication means In the mobile center that has transmitted the individual product installment primary data to the mobile center and has received the individual product installment primary data, the individual product installment request relay unit accesses the card information database, and Search card information, add this to the individual product installment primary data to generate individual product installment secondary data,
This is transmitted to the card company system, and in the card company system receiving the individual item installment secondary data, the individual item installment request processing means accesses the customer database to access the individual item installment secondary data. The customer information corresponding to the card information included in the search is replaced with the card information of the individual installment secondary data to generate the individual installment tertiary data, which is transmitted to the credit company by the card company side communication means. In the credit company system that has transmitted the individual installment tertiary data to the system, the individual installment contract means is based on the customer information in the individual installment tertiary data, and if necessary, the credit customer database. To obtain the relevant credit customer information, determine whether or not the contract is possible based on the customer information, and if it is determined that an individual The contract data is created and registered in the contract database, the contract data is transmitted to the mobile center by the credit company side communication means, and the contracted data is received by the mobile center. The installment request relay unit transmits the contract data to the electronic commerce terminal by the center side communication unit, and in the electronic commerce terminal that has received the contract data, the electronic individual product installment processing unit includes the output unit. And outputting a contract for individual product installment.

An electronic individual installment installment system according to claim 15 of the present application is a mobile terminal having a mobile phone function, an electronic commerce terminal capable of communicating with the mobile terminal, and capable of communicating with the mobile terminal or the electronic commerce terminal. A mobile center, a customer information center capable of communicating with the mobile center, and a credit company system capable of communicating with the customer information center and the mobile center;
The mobile terminal includes an individual item installment requesting unit that requests use of an individual item installment, a mobile-side communication unit, a mobile-side display unit, and a mobile-side input unit. The mobile center includes an installment processing unit, an electronic commerce terminal side input unit, an electronic commerce terminal side display unit, an electronic commerce terminal side communication unit, an output unit, and an electronic commerce terminal side storage unit. Side communication means, individual product installment request relay means, and a center storage device, wherein the customer information center has a customer information center side communication means, and a card information database for storing and managing card information of each user. A customer information center side storage device having a customer database for centrally storing and managing customer information of each card company, and an individual product installment request processing means; The system has a credit company-side communication means, an individual product installment contract means, and a credit company-side storage device having a contract database and a credit customer database, and the electronic commerce terminal has a request for an electronic individual product installment. When there is, the individual article installment processing means causes the electronic commerce terminal side display means to display a purchase data input screen, and allows the member store salesperson to use the electronic commerce terminal side input means for the member store code, amount, and payment method. , Commodity code, at least a part of the purchase data including the bill code is input, the purchase data is transmitted to the mobile terminal by the e-commerce terminal side communication means, the mobile terminal has received the purchase data, The individual product installment requesting means displays the purchase data on the mobile side display means and inputs data necessary for the individual product installment contract to the user. Request, when the input of the user is completed, the mobile terminal identification data is added to generate individual installment primary data, which is returned to the electronic commerce terminal, and the electronic commercial transaction which receives the individual installment primary data is received. In the terminal, the individual item installment processing means displays the individual item installment primary data by the e-commerce terminal side display means, and when there is a remaining part in the confirmation input and purchase data to the member store salesperson, Requesting input of purchase data of the remaining part, and when there is a confirmation input of a member store salesperson via the electronic commerce terminal side input means, the individual article installment primary is performed by the electronic commerce terminal side communication means. In the mobile center, which has transmitted data to the mobile center and received the individual product installment primary data, the individual product installment request Is transferred to the customer information center, and the customer information center having received the individual installment primary data,
The individual product installment request processing means searches the card information database and the customer database for customer information corresponding to the mobile terminal identification data, and adds the customer information to the individual product installment primary data to add the individual product installment secondary data. Data is generated and transmitted to the credit company system by the customer information center side communication means.In the credit company system receiving the individual product installment secondary data, the individual product installment contract Based on the customer information in the secondary installment data, if necessary, access the credit customer database to obtain the corresponding credit customer information, determine whether or not a contract can be made based on these customer information, When it is determined that the contract data is available, the contract data is created and registered in the contract database, and the contract data is stored in the communication In the mobile center that has transmitted to the mobile center and received the contract data, the individual product installment request relay unit transmits the contract data to the electronic commerce terminal by the center side communication unit, and the contract data In the electronic commerce terminal having received the above, the electronic individual product installment processing means outputs the individual product installment contract by the output means.

[0068] The electronic individual product installment system according to claim 16 of the present application is the electronic individual product installment system according to claim 14 or 15, wherein the mobile center receives the individual product installment primary data and receives the individual product installment primary data. The request relay means performs confirmation communication with the mobile terminal indicated by the mobile terminal identification data by the center side communication means, and generates the individual item installment secondary data when confirming that the request is a true individual item installment request. It is characterized by the following.

An electronic money system according to claim 17 of the present application is a mobile terminal having a mobile phone function, an electronic commerce terminal provided at a member store capable of communicating with the mobile terminal, and a communication between the mobile terminal and the electronic commerce terminal. A mobile center, and a financial institution system capable of communicating with the mobile center, wherein the mobile terminal includes an electronic money issuance requesting unit, an electronic money payment unit, an electronic money return unit, a mobile communication unit, The electronic commerce terminal includes a mobile storage unit, a mobile display unit, and a mobile input unit, wherein the electronic commerce terminal includes an electronic money requesting unit, an authentication unit, an electronic money settlement requesting unit, and an electronic commerce terminal side communication unit. , E-commerce terminal side storage means, e-commerce terminal side display means, and e-commerce terminal side input means, The mobile center includes a center-side communication unit, an authentication information distribution unit, an electronic money issuance request relay unit, an electronic money settlement request relay unit, an electronic money return relay unit, and a finance for storing and managing finance-related information of each user. A center-side storage device having a related information database and an electronic money issue number, an issuing financial institution, and an electronic money issuing database for storing and managing the destination mobile terminal, wherein the financial institution system has a customer database and an electronic money A financial institution-side storage device having an electronic money database recording issuance and return of
Electronic money issuing processing means, electronic money balance checking means, electronic money settlement processing means, and financial institution-side communication means, wherein the authentication information distribution means of the mobile center has A predetermined authentication information generation algorithm is selected to generate individual authentication information corresponding to the telephone number or mobile terminal identification data of each mobile terminal, and the authentication information is transmitted to each mobile terminal by the center side communication means. The authentication information generation algorithm is distributed to each of the electronic commerce terminals, and the mobile terminal that has received the authentication information stores the authentication information by the mobile-side storage unit, and when requesting the issuance of electronic money, The electronic money issuance request means causes the mobile side display means to display an electronic money issuance request screen, To the mobile center by the mobile-side communication means, and receives the electronic money issuance request primary data by the mobile center. The money issue request relaying means acquires the financial information of the mobile terminal that has transmitted the electronic money issue request from the financial information database and adds the electronic money issue request primary data to the electronic money issue request secondary data to add the electronic money issue request secondary data. Generated and transmitted to the financial institution system by the center side communication means,
In the financial institution system receiving the electronic money issuance request secondary data, the electronic money issuance processing means accesses the electronic money database and records an electronic money issue number and an electronic money issue amount in the electronic money database. At the same time, the electronic money issuance request relaying means returns the electronic money issuance number and the electronic money issuance number in the mobile center which has returned the electronic money issuance number and the electronic money issuance amount by the financial institution side communication means. The issuing financial institution and the destination mobile terminal are recorded in the electronic money issuance database, and the electronic money issue number and the electronic money issuance amount are transmitted to the mobile terminal that transmitted the electronic money issuance request by the center side communication means. The electronic money issue number and the electronic money In the mobile terminal that has received the issue amount, the electronic money issue number and the electronic money issue amount are stored in the mobile-side storage unit, and when there is a request for payment by electronic money, the electronic commerce terminal stores the electronic money Activate the electronic money invoicing means, the electronic money invoicing means displays an electronic money invoicing screen on the electronic commerce terminal side display means, and allows the member store salesperson to input the member store code, amount, Payment Method,
Product code, at least a part of the purchase data including the invoice code is input, the purchase data is transmitted to the mobile terminal by the electronic commerce terminal side communication means, the mobile terminal that has received the purchase data, The electronic money payment means displays the purchase data by the mobile side display means and requests the user to input a confirmation. When the user inputs the confirmation, the authentication information and the mobile terminal telephone number are included in the purchase data. Alternatively, in the electronic commerce terminal that has added the mobile terminal identification data and returned it as electronic money payment data to the electronic commerce terminal, and that has received the electronic money payment data, the authentication unit includes The authentication information using the mobile terminal telephone number or the mobile terminal identification data; The authentication information of the mobile terminal is calculated by the algorithm, and the calculated authentication information and the authentication information in the received electronic money payment data are collated. A message is displayed, and the amount of the received electronic money is stored in the electronic commerce terminal side storage means together with the electronic money issue number, and the electronic commerce terminal sets the electronic money settlement for a predetermined time or by a predetermined operation of the electronic commerce terminal. The request means is activated, and the received electronic money and their electronic money issue numbers stored in the electronic commerce terminal side storage means are sent to the mobile center, and the received electronic money and their electronic money issue numbers are received. In the mobile center, the electronic money settlement request relaying means is configured to Access to the bank database and search for the issuing financial institution based on each electronic money issue number, the amount of electronic money requested to be settled to each issuing financial institution system by the center side communication means and their electronic money issue numbers In the financial institution system that has received the amount of electronic money requested for settlement and their electronic money issue numbers, the electronic money balance checking means accesses the electronic money database, The electronic money issue number is checked for the use of electronic money exceeding the issued amount. If the electronic money is used exceeding the issued amount, the unauthorized use message is transmitted to the mobile center and the mobile by the financial institution side communication means. Send to the terminal, and if the payment request is for electronic money that does not exceed the The payment processing means accesses the customer database, performs payment processing for each user's account, and in the mobile center when the unauthorized use message is received, the authentication information distribution means has not been used until now. The authentication information generation algorithm and the authentication information are abolished, and the newly generated authentication information generation algorithm and the authentication information are distributed to each electronic commerce terminal and each mobile terminal.

[0070]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Next, an application form for an embodiment of an "electronic financial transaction system using a mobile terminal having a mobile phone function, an electronic credit card system, an electronic installment installment system and an electronic money system" according to the present invention. This will be described below with reference to the accompanying drawings.

1. 1. Electronic Financial Transaction System 1.1 Overall Configuration of System FIG. 1 shows a configuration of an electronic financial transaction system according to the present invention and a flow of processing thereof.

As shown in FIG. 1, the electronic financial transaction system 1 according to the present invention comprises a mobile terminal 2, a mobile center 3, a financial institution system 4, and a call center 5. These systems perform various processes described below as a system of a party that performs electronic financial transactions, and complete electronic financial transactions as a whole without any trouble while performing mutual data communication.

The mobile terminal 2 is a portable information device having both a function as a mobile phone and a function as an information processing terminal. The mobile terminal 2 has various devices for making a call with another phone using a mobile phone communication network as a mobile phone. On the other hand, the information processing terminal includes an input unit, an output unit, a display device, and a storage processing device for information processing. It is preferable that the various devices as the mobile phone and the various devices as the information processing device are used as much as possible.

For example, FIG. 1 shows an example of a form of the mobile terminal 2.
Is provided with a touch panel serving as a display device and an input device on the main body, and this touch panel displays a dial input screen when used as a mobile phone, and an input screen or a screen when used as an information processing terminal. Display the output screen. Further, a processing device for performing data processing as a mobile phone and data processing as an information processing terminal, a storage device, and the like are housed inside the main body.

In the present invention, the mobile terminal 2 performs the processing of the electronic financial transaction, the credit card,
It is a terminal for electronic individual installment and a container for electronic money.

The mobile center 3 is a facility provided with a system for information processing configured to be able to communicate with the mobile terminal 2 through the communication network 6.

The communication network 6 is a concept including a mobile phone communication network, a public line network, the Internet, and the like. Telephone communication uses a mobile phone communication network. To take advantage of the electronic financial transaction system according to the present invention, a mobile phone communication network, a public line network, and the Internet must be provided between the mobile terminal 2 and the mobile center 3. Use both.

It is preferable that the mobile center 3 is a mobile phone operator in view of business facility efficiency.
It is not necessary to be a mobile phone carrier as long as the following processes are performed.

The financial institution system 4 is an information processing system provided for a financial institution. Here, a financial institution is
For example, a bank, a post office, a credit card company, a credit company, and the like.

According to the present invention, electronic financial transactions over a plurality of financial institution systems 4 can be centrally processed by one mobile center 3.

The financial institution system 4 is communicably connected to the mobile center 3 via a communication line 7. The communication line 7 may be a dedicated line, a public line, wireless, or the like. However, as will be described later, since the communication line 7 distributes important data, it is preferable that the communication line 7 has high security reliability, and is generally composed of a dedicated line.

The call center 5 is the mobile center 3
It is a manned facility that is systematically connected to the mobile terminal 2 and can communicate with the mobile terminal 2 by telephone.

1.2 Internal Configuration of Mobile Terminal, Mobile Center, and Financial Institution System Next, the internal configuration of the mobile terminal 2, mobile center 3, and financial institution system 4 will be described below.

The mobile terminal 2 has a financial transaction requesting means 8
And financial transaction confirmation means 9 and daily authentication information management means 10
Return / reject message means 11 and mobile-side input means 1
2, a mobile-side communication unit 13, a mobile-side display unit 14, and a mobile-side storage device 15. The mobile storage device 15 includes a financial transaction data storage unit 16.
And a daily authentication information storage unit 17.

The financial transaction requesting means 8 is a processing means for a user to start an electronic financial transaction. Specific processing will be described later.

The financial transaction confirmation means 9 is a means for the user to confirm the result of the electronic financial transaction. Specific processing will be described later.

The daily authentication information management means 10 is a means for managing user authentication information distributed daily. Specific processing will be described later. If the daily authentication information is not distributed, the daily authentication information management means 10
Can be omitted.

Return message means 11 returns a return message or a non-return message (collectively referred to as return message) when mobile terminal 2 returns to the charger, or conversely, does not return to the charger. ) Is automatically transmitted. If the return of the mobile terminal 2 is not confirmed, the return message means 11 can be omitted.

The financial transaction requesting means 8, the financial transaction confirming means 9, the daily authentication information managing means 10, and the return message message means 11 are means possessed by the processing device of the mobile terminal 2.

The mobile-side input means 12 is a means for inputting when making a telephone or electronic financial transaction.

The mobile communication means 13 is a communication means provided in the mobile terminal 2. Mobile side communication means 1
Reference numeral 3 preferably serves both as communication means as a mobile phone and communication means as an information processing terminal.

The mobile side display means 14 is a display means provided in the mobile terminal 2. Mobile side display means 1
Reference numeral 4 displays the other party as a mobile phone, and displays various screens and messages as an information processing terminal.

The mobile storage device 15 is a storage device provided in the mobile terminal 2. Mobile storage device 1
Reference numeral 5 stores a telephone number and the like as a mobile phone and various data as an information processing terminal.

When the mobile storage device 15 functions as a means for storing the result data of the user's electronic financial transaction, it becomes the financial transaction data storage means 16. In the case of storing a later-described daily authentication, a daily authentication information storage unit 17 is provided. When the daily authentication is not distributed, the daily authentication information storage unit 17 can be omitted.

The above is the configuration of the mobile terminal 2.
Next, the configuration of the mobile center 3 will be described.

The mobile center 3 includes a center-side communication unit 18, a financial transaction relay unit 19, a financial transaction data distribution unit 20, a financial transaction authentication unit 21, a daily authentication unit 22, and a high-value transaction warning unit 23. , A return message transmission means 24 and a center storage device 25.
The center-side storage device 25 has a financial-related information database 26, a financial transaction database 27, a profile database 28, and a daily authentication information database 29. In FIG. 1, “database” is abbreviated as “DB” and displayed.

The center communication means 18 is a communication means provided in the mobile center 3. The center communication unit 18 is a unit that can communicate with the mobile terminal 2 and the financial institution system 4 via the communication network 6 or the communication line 7.

The financial transaction relay means 19 is a mobile terminal 2
, A request for a financial transaction is sent to the financial institution system 4 or a message or data from the financial institution system 4 is relayed to the mobile terminal 2 in connection with the electronic financial transaction. is there. Specific processing of the financial transaction relay means 19 will be described later.

The financial transaction data distribution means 20 is a means for distributing the result data of each user's electronic financial transaction received from the financial institution system 4 to the mobile terminal 2 of each user. Specific processing of the financial transaction data distribution means 20 will be described later.

Note that the financial transaction data distribution means 20 can be omitted if the result data of the electronic financial transaction is confirmed in another form.

The financial transaction authentication means 21 is a mobile terminal 2
Is a means for checking whether or not a request for an electronic financial transaction is issued from a legitimate user. In one embodiment of the present invention, personal authentication is performed using information called “profile data”. This processing will be described later.

Since the financial transaction authentication means 21 is for improving security reliability just in case, it can be omitted depending on the system configuration.

The daily authentication means 22 generates and distributes different authentication information for each day, and when there is a request for electronic financial transaction, determines whether or not the request is from a legitimate user based on the daily authentication information. It is.

Since the daily authentication means 22 is also a means for improving security reliability, it can be omitted depending on the system configuration. Specific processing of the daily authentication unit 22 will be described later.

The high-value transaction warning means 23 can be used by the call center 5 when a request for electronic financial transaction exceeding a certain limit is made even if it is determined that an electronic financial transaction is requested by an authorized user depending on the authentication processing. This is a means to make the person directly confirm. The high value transaction warning means 23 is means for confirming the identity of a person in addition to the mechanical processing. The security of electronic financial transactions can be further enhanced by performing personal identification by humans in addition to mechanical processing. The specific processing of the high-value transaction warning means 23 will be described later.

The return message transmitting means 24 is a means for automatically transmitting, when a return message is received from the mobile terminal 2, to the mail address of the user registration.

The mobile terminal 2 needs to be charged, and
Since the charger is usually at the owner's home, if there is no charge, there is a high possibility that the mobile terminal 2 has been lost, and the mobile terminal owner is notified of the loss by another medium. Specific processing by the return message transmission means 24 will be described later.

The return message transmitting means 24 is provided in case the mobile terminal 2 is lost, and is added to the main part of the present application such as electronic financial transactions. Therefore, the return message transmission means 24 can be omitted depending on the system configuration.

The center storage device 25 is a storage device provided in the mobile center 3. Normally, the mobile center 3 can have a large storage device,
This center-side storage device 25 can also store various databases. In the electronic financial transaction system 1 according to the present embodiment, the financial information database 26, the financial transaction database 27, the profile database 28,
The daily authentication information database 29 is the center-side storage device 2
5 is stored.

The financial related information database 26 is a database for storing and managing the financial related information of the user.
The “finance-related information” is information such as the account number, personal identification number, and card number of a credit card, and is information necessary for a financial institution to permit a certain user to make a financial transaction. Hereinafter, the same applies in the present specification.

[0111] The financial transaction database 27 is a database for storing and managing user's electronic financial transaction result data. The electronic financial transaction data is sent from the financial institution system 4 to the mobile center 3 at regular intervals and stored in the financial transaction database 27. The financial transaction database 27 can be omitted when the result data of the electronic financial transaction is confirmed in another form.

The profile database 28 is a database that stores and manages profile data for performing the above-described personal authentication. A plurality of profile data are registered in advance for each user by the user. In the case of a system in which personal authentication is not performed using profile data, the profile database 28 can be omitted.

The daily authentication information database 29 is a database for storing and managing the daily authentication information generated by the above-described daily authentication means 22. The daily authentication information database 29 can be omitted if the system does not perform authentication based on the daily authentication information.

The configuration of the mobile center 3 has been described above. Next, the configuration of the financial institution system 4 will be described.

The financial institution system 4 has a financial institution side communication means 30, a financial transaction processing means 31, a financial transaction data transmission means 32, and a financial transaction side storage device 33. The financial transaction side storage device 33 includes a financial database 34
have.

The financial institution side communication means 30 is a communication means provided in the financial institution system 4. The financial institution side communication means 30 is configured to be able to communicate with the center side communication means 18 of the mobile center 3 via the communication line 7.

[0117] The financial transaction processing means 31 is means for executing a financial transaction process when a user's financial transaction request is relayed from the mobile center 3.

The financial transaction data transmitting means 32 is a means for transmitting the result data of the user's electronic financial transaction. The financial transaction data transmitting means 32 can be omitted when notifying the user of the electronic financial transaction result data by a method different from that of the present embodiment.

The financial transaction side storage device 33 is a storage device provided in the financial institution system 4. The financial transaction side storage device 33 stores a financial database 34 mainly for managing financial data such as a user's account balance.

The internal configuration of the mobile terminal, mobile center, and financial institution system according to the present embodiment has been described above.

1.3 Process Flow of Electronic Financial Transaction System 1 Next, the process flow of electronic financial transaction by the electronic financial transaction system 1 of the present embodiment will be described below.

FIG. 2 shows the overall processing flow of the electronic financial transaction system 1.

The processing by the electronic financial transaction system 1 includes generation and transmission of primary financial transaction data by the mobile terminal 2,
A series of processes including generation and transmission of financial transaction secondary data (data obtained by adding financial-related information to financial transaction primary data as electronic financial secondary data) by the mobile center 3, and processing of financial transactions by the financial institution system ( S100-S
300) is the center.

With respect to the processing of S100 to S300,
Financial transaction performance confirmation processing to improve transaction security (S4
00 to S600), profile authentication processing (S700 to
S900), daily authentication processing (S1000 to S120)
0), high-value transaction confirmation processing (S1300, S1400),
A return / non-confirmation process (S1500, S1600) is added as needed according to the system configuration.

1.3.1 Basic Electronic Financial Transaction System Processing (S100-S300) In the basic electronic financial transaction system processing, first, in the mobile terminal 2, when the electronic financial transaction is performed, “primary financial transaction data” Is generated (S100). Here,
“Financial transaction primary data” refers to data that is of no value to a third party, such as the type and amount of financial transaction and its own telephone number or mobile terminal identification data.

Next, the mobile center 3 that has received the “financial transaction primary data” generates the “financial transaction secondary data” by adding the financial related information of the principal to the “financial transaction primary data” after confirmation communication. (S200). Since the financial transaction secondary data includes financial information, it is necessary to maintain high security. The generated “financial transaction secondary data” is transmitted to the financial institution system 4.

Before generating the secondary financial transaction data, the mobile center 3 performs confirmation communication with the mobile terminal of the mobile terminal identification data included in the primary financial transaction data.

In the financial institution system 4 which has received the financial transaction secondary data, the financial transaction processing is executed based on the information included in the financial transaction secondary data (S300).

The above processing will be described in more detail below with reference to FIG.

When starting the electronic financial transaction, the user (owner of the mobile terminal 2) activates the financial transaction request means 8 by a predetermined operation.

The activated financial transaction requesting means 8 causes the mobile-side display means 14 to display a financial transaction menu (S1).
10). According to the financial transaction menu, the user inputs a financial transaction type and a required transaction amount by using the mobile input means (S120).

Next, the financial transaction request means 8 adds the mobile terminal identification data to the input data such as the type of financial transaction and the required transaction amount to generate primary financial transaction data,
This is transmitted to the mobile center 3 by the mobile communication means 13 (S130).

In the mobile center 3 having received the primary financial transaction data, the financial transaction relay means 19 transmits the data to the mobile terminal of the mobile terminal identification data included in the primary financial transaction data through the center communication means 18. It is confirmed that a financial transaction request has been issued from the mobile terminal (S140).

This confirmation communication starts to be transmitted from the mobile center 3 to the mobile terminal 2 which has made a financial transaction request.
To prevent fraudulent activities such as requesting financial transactions by impersonating another person.

The confirmation communication can be performed as one of the communication protocols between the mobile terminal 2 and the mobile center 3. Alternatively, the contents of the communication can be temporarily held in the mobile center 3 and the mobile center 3 can access the mobile terminal 2. Confirmation communication from the mobile center 3 can also be performed from the mobile terminal 2 through a communication route different from the financial transaction request. For example, the communication may be requested from the authorized user through another route via the mobile phone communication network.

The financial transaction relay means 19 accesses the financial information database 26 on condition that the request for the electronic financial transaction is confirmed to be true by the confirmation communication (S150), and The financial related information of the user is retrieved, and the retrieved financial related information is added to the primary financial transaction data to generate secondary financial transaction data.

Next, the financial transaction relay means 19 transmits the generated secondary financial transaction data to the financial institution system 4 via the communication line 7 by the center communication means 18 (S160).

As described above, since the communication line 7 is a line having a high security reliability such as a dedicated line, the financial information of the user does not leak to the outside.

In the financial institution system 4 which has received the above-mentioned financial transaction secondary data, the financial transaction processing means 31 accesses the financial database 34 based on the financial transaction secondary data, and performs transfer, transfer, inquiry, etc. on the user's account. The financial transaction is processed (S170).

As described above, the main processing of the electronic financial transaction is completed. If necessary, after the financial transaction processing, the mobile terminal 2 is transmitted from the financial institution system 4 via the mobile center 3.
The results of the transaction can be sent to

According to the electronic financial transaction system 1, the contents of data transmitted from the mobile terminal 2 to the mobile center 3 include the number and identification data of the mobile terminal 2, the type of financial transaction, the amount of financial transaction, and the like. This is the primary data of financial transactions that must be done. On the other hand, financial-related information that can be plagiarized is transmitted and received between the mobile center 3 and the financial institution system 4 via a communication line 7 with extremely high security reliability. Even if the financial transaction primary data is transmitted by impersonating another person using a computer or the like, only registered users can conduct financial transactions by confirming communication from the mobile center 3 to authorized users.

Thus, an extremely reliable electronic financial transaction system can be realized.

Further, since the primary data of the financial transaction is data that is not a target of plagiarism, an open communication network 6 such as the Internet can be used. As a result, the range of use of the mobile terminal 2 is not limited to the mobile phone communication network, and a communication network with the simplest connection can be used anywhere.

As a result, it is possible to realize a convenient electronic financial transaction system having a very wide range of use.

1.3.2 Financial Transaction Record Confirmation Process Next, the financial transaction record confirmation process (S400 to S600, FIG. 2) will be described.

In the financial transaction result confirmation processing, the result data of the financial transaction performed up to that time is transmitted to the user at regular intervals, thereby facilitating the user's confirmation and detecting illegal use at an early stage. Processing. This financial transaction record confirmation processing is added to the basic electronic financial transaction processing (S100 to S300) as described above.

In the financial transaction result confirmation processing, the financial institution system 4 transmits the financial transaction result data processed by itself to the mobile center 3 at regular time intervals (S40).
0). The mobile center 3 that has received the financial transaction data from each financial institution system 4 distributes the financial transaction data for each user (S500). In the mobile terminal 2 receiving the financial transaction result data, the user confirms his or her own financial transaction result data by a predetermined operation (S600).

The above processing will be described in more detail below with reference to FIG.

In the financial transaction result confirmation processing, the financial transaction data transmitting means 32 of the financial institution system 4 uses the financial institution side communication means 30 to transmit the result data of the electronic financial transaction processed by itself to the mobile center at regular intervals. 3 (S410).

In the mobile center 3 receiving the financial transaction data from each financial institution system 4, the financial transaction database 27 stores and manages the financial transaction data (S420).

The financial transaction data distribution means 20 accesses the financial transaction database 27 at regular time intervals, extracts and organizes financial transaction data for each user, and distributes the data as financial transaction data to each user (S430). .

According to the above-mentioned processing, even when a plurality of financial institutions different for each user are used, the processing is performed by the financial transaction data distribution means 20 and the data is collected for each user and transmitted to the mobile terminal 2 of the user. From a user's point of view, there is an advantage that the user can confirm the results of all his / her financial transactions at a glance, as compared with the case where transaction result data is conventionally sent from a plurality of financial institutions in various formats and methods.

In the mobile terminal 2 that has received the financial transaction data, the financial transaction data is transmitted to the financial transaction confirming means 9.
(S440). The storage of the financial transaction data is stored without being displayed. This is to protect the privacy of financial transaction data.

When looking at the financial transaction data, the financial transaction confirming means 9 accesses the financial transaction data storage means 16 and retrieves the data by a predetermined operation of the user, and displays the data on the mobile side display means 14 (S450). .

The “predetermined operation” for displaying the financial transaction data can include a known personal authentication process such as a password.

The above is the flow of the financial transaction record confirmation processing.

The confirmation of the financial transaction result data can be performed “every fixed time”, but can be arbitrarily determined every day, every time a transaction is made, every week, or the like.

1.3.3 Profile Authentication Process Next, the profile authentication process (S700 to S900) will be described.

The profile authentication processing is to prevent the confirmation communication of the above basic processing from impersonating another person using a computer different from the mobile terminal 2, whereas the profile authentication processing is performed by a person who has illegally obtained the mobile terminal 2. This is a process for preventing

In this profile authentication process, “profile data” of a regular user is registered in the mobile center 3 in advance. The profile data is, for example, arbitrary attribute data such as the age, birthday, and family birthday of a regular user. A plurality of registration profile data are registered.

According to this processing, before starting the specific processing, the mobile center 3 receiving the request for the electronic financial transaction selects any profile data from the registered profile data of the corresponding user and sets the question data. Is created and transmitted to the mobile terminal 2 (S700, FIG. 2).

In the mobile terminal 2 receiving the question data, the user inputs the answer data and returns it to the mobile center 3 (S800, FIG. 2).

At the mobile center 3 receiving the above answer data, the answer data and the registered profile data are collated, and the following processing is started on condition that the user is confirmed to be an authorized user (S900, FIG. 2). .

The profile authentication processing will be described below with reference to FIG.

In order to perform the profile authentication process, profile data arbitrarily prepared by the user is registered in the multiple profile database 28.

When an electronic financial transaction is requested by an arbitrary user, the financial transaction authentication means 21 in the mobile center 3 accesses the profile database 28 and converts a part of the profile data from the registered profile data of the user. Question data that is selected at random and answers those profile data is created (S710). The financial transaction authentication means 21 transmits these question data to the mobile terminal 2 which has requested the financial transaction by the center communication means 18 (S720).

The mobile terminal 2 that has received the above-mentioned question data
Then, the financial transaction requesting means 8 causes the mobile-side display means 14 to display the question data, and requests the user to input answer data through the mobile-side input means 12 (S730).

When the user inputs the response data using the mobile input means 12, the financial transaction requesting means 8 transmits the response data to the mobile center 3 using the mobile communication means 13 (S740).

In the mobile center 3 receiving the response data, the financial transaction authentication means 21 compares the response data with the registered profile data, and when they match, sends a signal indicating that the financial transaction request is true to the financial transaction relay means 19. It is transmitted (S750).

The financial transaction relay means 19 generates the above-mentioned financial transaction secondary data on condition that a signal indicating that the financial transaction request is true is received from the financial transaction authentication means 21.

The above is the flow of the profile authentication process.

According to the profile authentication processing, even when the mobile terminal 2 is used by a third party, the answer data of the correct profile data cannot be input unless the owner of the authorized mobile terminal 2 is used. After all, you can't do financial transactions by impersonating others.

On the other hand, if the user is a legitimate user, the profile data is asked in the form of a question about what the user has already memorized. You can do it.

1.3.4 Daily Authentication Processing Next, the daily authentication processing (S1000 to S1000, FIG. 2) will be described.

The daily authentication process is to prevent unauthorized use by distributing different authentication information to authorized users every day.

In this daily authentication process, the mobile center 3 generates authentication information (daily authentication information) that is different for each day and for each user, and distributes it to each user (S10).
00, FIG. 2).

The mobile terminal 2 receives the daily authentication information and attaches the daily authentication information to the electronic financial transaction request (S
1100, FIG. 2).

The mobile center 3 checks whether or not the electronic financial transaction request is a request for electronic financial transaction by an authorized user by checking the daily authentication information (S1200, FIG. 2).

Hereinafter, the daily authentication process will be described with reference to FIG.

In the day-to-day authentication process, the day-to-day authentication means 22 generates different day-to-day authentication information for each mobile terminal 2 and for each day in the mobile center 3, and stores it in the day-to-day authentication information database 29. (S101
0), daily authentication information unique to each mobile terminal 2 is distributed via the center-side communication means 18 (S1020).

In the mobile terminal 2 having received the daily authentication information, the daily authentication information is temporarily stored in the daily authentication information storage means 17 (S1030).

When the user makes a request for a financial transaction, the daily authentication information management means 10 stores the daily authentication information storage means 1.
7 and obtains the daily authentication information, adds it to the primary financial transaction data, and transmits it to the mobile center 3 by the mobile communication means 13 (S1040).

At the mobile center 3 receiving the primary transaction data with the daily authentication information added thereto, the financial transaction authentication means 21 extracts the daily authentication information and the mobile identification signal from the primary financial transaction data, and outputs the daily authentication information. The database 29 is accessed to collate the daily authentication information (S1).
050).

As a result, if the daily authentication information and the mobile terminal identification signal correctly correspond, the daily authentication means 22 transmits a signal indicating that the financial transaction is true to the financial transaction relay means 19 (S1060).

The financial transaction relay means 19 is the daily authentication means 2
2 to generate financial transaction secondary data as described above, provided that a signal that the financial transaction is true is received.

This daily authentication process is mainly for preventing electronic financial transactions by impersonating another person using a computer. Since the authentication information of each mobile terminal 2 changes every day, it becomes more difficult to impersonate another person, and it is possible to effectively prevent impersonation.

1.3.5 High-value transaction confirmation processing Next, high-value transaction confirmation processing (S1300 to S1400, FIG. 2) will be described.

In the high-value transaction confirmation processing, the mobile center 3 constantly checks the value of the electronic financial transaction, detects that the transaction is a high-value transaction exceeding a certain amount, and indicates that the transaction is a high-value transaction, Is output to the call center 5 (S1300, FIG. 2).

The call center 5 that has received the high-value transaction message confirms it with the person directly by telephone (S1).
400, FIG. 2).

The above processing will be described below with reference to FIG.

In the mobile center 3, the high-value transaction warning means 23 monitors the transaction value of each financial transaction request, and specifies the content of the request and the mobile terminal 2 which has requested the financial transaction for a financial transaction request exceeding a certain amount. Is output to the display screen of the call center 5 (S1310).

Call center 5 receiving this message
Confirms the financial transaction by telephone to the mobile terminal 2 that has requested the financial transaction (S1320). The user interacts with the operator of the call center 5 via the mobile communication means 13 of the mobile terminal 2 to confirm a request for a financial transaction.

This high-value transaction confirmation processing is obtained by adding verification by a human to prevention of unauthorized use by the system. It is an empirical fact that the prevention of unauthorized use by a system can be breached by sophisticated identity theft. On the other hand, fraud prevention by human interaction has different quality difficulties for fraudsters.

The high-value transaction confirmation process pays attention to the advantage of the above-mentioned verification by a human, and more reliably prevents fraud by a dialog between the operator of the call center 5 and the user.

1.3.6 Return / Normal Confirmation Process Next, the return / non-verification process (S1500, S1600, FIG. 2) will be described.

The return / confirmation process is a process for preventing the loss of the mobile terminal 2 by paying attention to the fact that the mobile terminal 2 must be charged periodically.

[0197] The mobile terminal 2 must be charged periodically by a predetermined charger, and the charger is usually located at the user's home.

The return confirmation processing automatically transmits a return message when the mobile terminal 2 returns to the charger, and a non-return message with its own identification data when the mobile terminal 2 has not been charged for a predetermined time. (S1500).

Upon receiving the return message or the non-return message (return message), the mobile center 3 automatically transmits a return message to the registered mail address of the user of the mobile terminal 2 (S160).
0).

As a result, the user can know that the mobile terminal 2 has returned to the charger, or conversely, that the mobile terminal 2 has not returned to the charger.

The return confirmation process will be described below with reference to FIG.

According to the return / non-return confirmation processing, return / return message means 11 of mobile terminal 2 detects the presence or absence of charging and automatically transmits a return / reject message to mobile center 3 (S1510). Normally, the reference for transmitting a non-return message is 24 hours. However, this fixed time can be changed as appropriate, and the user may be able to set it freely.

In the mobile center 3 receiving the return message from the mobile terminal 2, the return message transmitting means 24 transmits the return message to the registered mail address of the user of the mobile terminal 2 (S1520).

The transmission of the return message is preferably performed in the form of an electronic mail.

[0205] The registered mail address of the user may be stored in the mobile center 3 or may be included in the return message from the mobile terminal 2. When the registered mail address of the user is stored in the mobile center 3, a table or list of the user's mail address is stored in the center side storage device 25, though not shown.

Further, the mobile center 3 may detect only a return message in the case of non-return, and transmit the non-return message only to the owner of the mobile terminal 2 in the case of non-return.

According to the return confirmation process described above, when the mobile terminal 2 returns to the place where the charger is installed, usually, the user's home, or when the mobile terminal 2 does not return, an e-mail is sent to the user's computer. By notifying in a form, the loss of the mobile terminal 2 can be prevented and detected in a multiplex manner using different media, without relying only on the system of the mobile terminal 2.

As a result, if the mobile terminal 2 is lost, the fact that the mobile terminal 2 has been lost can be quickly known, and illegal use can be prevented.

[0209] 2. Electronic Credit Card System Next, an electronic credit card system will be described.

2.1 Overall Configuration of System FIG. 3 shows the overall configuration of an electronic credit card system according to an embodiment of the present invention and the flow of processing thereof.

In FIG. 3, the electronic credit card system 40 of the present embodiment includes a mobile terminal 41, a mobile center 42, a card company system 43, and an electronic commerce terminal 44. These systems perform various processes described below as systems of parties who conduct transactions by electronic credit cards, and conduct transactions by electronic credit cards as a whole while performing mutual data communication.

[0212] The mobile terminal 41 is a portable information device having a function as a portable telephone and a function as an information processing terminal similar to those used in the electronic financial transaction system. That is, the mobile terminal 41 has various devices for making a call with another phone using a mobile phone communication network as a mobile phone, while an input means and an output means for information processing as an information processing terminal. It has a display device, a storage processing device and the like.

[0213] The mobile terminal 41 is used as a "credit card" in an electronic credit card system, like a normal credit card.

[0214] The mobile center 42 is similar to the mobile center of the electronic financial transaction system, and is an information processing system configured to be able to communicate with the mobile terminal 2 through the communication network 6. The mobile center 42 may be a mobile phone operator, or may be a mobile phone operator and an independent provider.

[0215] The communication network 6 is similar to the electronic financial transaction system.

[0216] The card company system 43 is an information processing system provided for a credit card company. In addition,
In the present electronic credit card system 40, the settlement of credit cards of a plurality of card company systems 43 can be processed in the same system.

The e-commerce terminal 44 is a terminal provided at a credit card member store, and is a mobile terminal 41.
And can communicate with the mobile center 42, and
It is an information processing device capable of processing information by itself. For communication with the mobile terminal 41, the electronic commerce terminal 44 and the mobile terminal 41 may directly communicate with each other, or may communicate with each other via the communication network 6.

Note that the electronic commerce terminal 44 can communicate with the mobile terminal 41 and the mobile center 42.
Any device may be used as long as it is an information processing device capable of processing information by itself. For example, e-commerce terminal 4
4 may be physically the same as the mobile terminal, that is, a “mobile phone having advanced processing functions”.

2.2 Internal Configuration of Mobile Terminal, Mobile Center, Card Company System, Electronic Commerce Terminal 2.2.1 Mobile Terminal The mobile terminal 41 includes a card transaction requesting unit 45, a card use confirming unit 46, It has a transmitting unit 47, a mobile input unit 48, a mobile communication unit 49, a mobile display unit 50, and a mobile storage device 51. The mobile storage device 51 further includes a card use data storage unit 52 and a card use record storage unit 53.

The card transaction requesting means 45 is a means for requesting a transaction by an electronic credit card.

[0221] The card use confirmation means 46 is means for confirming the performance of the transaction by the electronic credit card. This is a means for quickly confirming fraud or mistake by confirming the transaction by the electronic credit card by the user afterwards or by automatically comparing the record of the mobile center 3 with the record of the mobile terminal 2.

The return message means 47 is a means for automatically transmitting a return message from the mobile terminal 2 when the mobile terminal 2 returns to the location of the charger or, conversely, when the mobile terminal 2 does not return to the location of the charger. is there. The return message is automatically transferred by the mobile center 3 to the registered mail address of the user.

The mobile input means 48 is an input means provided in the mobile terminal 2. Usually mobile terminal 2
Is used as a mobile phone, it is preferable that the mobile-side input means 48 also serves as the number input means of the mobile phone.

[0224] The mobile communication means 49 is communication means provided in the mobile terminal 2. Since the mobile terminal 2 also has a function as a mobile phone, it is preferable that the mobile communication means 49 also serves as a communication means as a mobile phone.

[0225] The mobile-side display means 50 is a display means provided in the mobile terminal 2. Mobile side display means 5
It is preferable that 0 also serves as a display unit of the mobile terminal 2 as a mobile phone.

The mobile storage device 51 is a storage device provided in the mobile terminal 2. Mobile storage device 5
It is preferable that the storage device 1 also serves as a storage device as a terminal of the electronic credit card of the present invention and a storage device for storing a telephone number of a mobile phone.

The card use data storage means 52 is a means for storing the transaction result data of each mobile terminal 2 recorded in the card company system 43 and distributed by the mobile center 3.

The card use record storage means 53 is a means for each mobile terminal 41 to store the record of its own transaction. This transaction record of the mobile terminal 2 is used for collation with the record of the card company system 43.

2.2.2 Mobile Center The mobile center 42 includes a center-side communication unit 54,
It has a card use request relay means 55, a card use data distribution means 56, a return message transmission means 57, and a center side storage device 58. Center storage device 5
8 further includes a card information database 59 (the database is abbreviated as DB in FIG. 3; the same applies hereinafter), a member store database 60, and a card usage database 61.
And

The center communication means 54 is a communication means provided in the mobile center 42.

[0231] The card use request relay means 55 is means for relaying the request to the card company system 43 when there is a transaction request by the electronic credit card from the mobile terminal 2.

The card use data distribution means 56 is a means for distributing the use result data of the electronic credit card received from the card company system 43 to each mobile terminal 2.

The return message transmitting means 57 is means for transmitting the return message to the registered mail address of the owner of the mobile terminal when receiving the return message from the mobile terminal 41.

The center storage device 58 is a storage device provided in the mobile center 42.

The card information database 59 is a database including at least a card number of each user and storing and managing other registration information on the user as necessary.

The member store database 60 stores member store information,
For example, it is a database that stores and manages information including member store identification data.

The card use database 61 is a database that stores and manages the transaction result data of the electronic credit card of each mobile terminal 2 received from the card company system 43.

2.2.3 Card Company System The card company system 43 is a card company side communication means 62.
, A card transaction processing unit 63, a card use data transmitting unit 64, and a card company side storage device 65. The card company storage device 65 stores the customer database 6
6.

The card company side communication means 62 is a communication means provided in the credit card company.

[0240] The card transaction processing means 63 is means for judging whether a credit card can be used and performing processing for settlement to a customer when a transaction request by an electronic credit card is received.

The card usage data transmitting means 64 is means for transmitting credit card usage result data of each credit card company.

The card company storage device 65 is a storage device provided in a credit card company.

The customer database 66 is a database for storing and managing the usage limit, the used amount, the payment status, the payment result, the attribute information and the like of each customer.

2.2.4 E-Commerce Terminal The e-commerce terminal 44 includes e-commerce processing means 67, output means 68, e-commerce terminal input means 69, e-commerce terminal display means 70, and e-commerce terminal. Side communication means 71 and an electronic commerce terminal side storage means 72.

The electronic commerce processing means 67 is a means for processing a commercial transaction using an electronic credit card or the like.

The output means 68 is a means for outputting a copy of use of electronic commerce, a contract for individual product installment and the like which will be described later. It is preferable that the output unit 68 be provided in the electronic commerce terminal 44 in the case where the electronic commerce terminal 44 provided in the store is assumed.
May be omitted if it is a mobile phone having advanced processing functions.

[0247] The electronic commerce terminal side input means 69 is an input means provided in the electronic commerce terminal 44.

The electronic commerce terminal side display means 70 is a display means provided in the electronic commerce terminal 44.

The electronic commerce terminal side communication means 71 is a communication means provided in the electronic commerce terminal 44. As described above, the e-commerce terminal side communication means 71 is a communication means capable of communicating with the mobile terminal 41 and the mobile center 42, and capable of performing direct / indirect communication with the mobile terminal 41.

The e-commerce terminal side storage means 72 is a storage means provided in the e-commerce terminal.

2.3 Electronic Credit Card System 4
2.3.1 Flow of business transaction by electronic credit card between remote locations FIG. 4 shows the flow of business transaction by electronic credit card between remote locations.

The "processing of a commercial transaction by an electronic credit card between remote locations" is a process in which a credit card member store and a person who uses a credit card do business without facing each other. An example is mail order. Conventionally, when a credit card is used, in principle, the parties to the transaction make a transaction while facing each other. Some payment methods using credit cards have been put to practical use in computer mail-order sales, but they are completely different from those of the present invention in that the user's card number is sent over a communication network.

In the “processing of a commercial transaction by an electronic credit card between remote locations” according to the present invention, first, as shown in FIG. 4, a member store first obtains a member store code, a billing amount, a payment method, a product code, and a bill code (these codes). (Hereinafter referred to as purchase data) is sent to the user of the mobile terminal 41 (S200).
0). At the same time as sending the bill, the product can be shipped according to the customer's credit rating.

Next, the user who has received the bill or the electronic data of the bill confirms the purchase data, and uses the mobile terminal 41 to generate / generate data obtained by adding mobile terminal identification data to the purchase data as a sign of consent. The data is transmitted (S2100). The data obtained by adding the mobile terminal identification data to the purchase data is called “primary card use data”. "Primary Card Usage Data" is for Mobile Center 4
2 is sent.

[0255] The mobile center 42 receiving the "primary card use data" confirms that the user who intends to make a transaction and the member store are both registrants.
The card number of the user is added to the "primary card use data" and transmitted to the card company system 43 (S220).
0). The data obtained by adding the card number of the user to the “primary card use data” is called “secondary card use data”.

The card company system 43 that has received the “secondary data for card use” determines whether or not the user can use the card based on the card number and the like, and attaches an approval number when approving the card use. The card use approval data is generated and transmitted to the mobile center 42 (S23).
00).

The mobile center 42 that has received the "card use approval data" transmits the data to the member store and, if necessary, the user (S2400).

The member store that has received the card use approval data can request the card company system 43 to settle the payment afterwards using the card use approval data (S2500). Also, if the product has not been delivered,
Ship products.

The above is the processing flow of the commercial transaction by the electronic credit card as viewed from the trading party. Next, a detailed processing flow in the system of each trading party will be described.

[0260] The "processing of a commercial transaction between remote locations by an electronic credit card" can be performed even when the member store does not have the electronic commerce terminal 44. When the electronic commerce terminal 44 is provided, transmission of purchase data to a customer, reception of card use approval data from the mobile center 42, and the like can be performed electronically. If there is no e-commerce terminal 44, the exchange of data can be by other information transmission media, such as mail, telephone, fax, and the like.

FIG. 5 shows the flow of processing in the system of each party in "commercial transactions between remote locations by electronic credit card".

In the processing of a commercial transaction using an electronic credit card between remote locations, when an order is received from a customer by communication or the like, purchase data including a member store code, an amount, a payment method, a product code, and an invoice code are transmitted from a member store. To the customer.

When the customer decides to pay, the customer operates the mobile terminal 41 to activate the card transaction requesting means 45.

The card transaction requesting means 45 displays the purchase data input screen by the mobile-side display means 50, and inputs the purchase data necessary for the user by the mobile-side input means 48 and the consent to accept the payment by the card. Ask for input.

By the processing of the card transaction requesting means 45, the input of the user's acceptance of payment by the card and the purchase data are input to the mobile terminal 41 (S211).
0).

If the purchase data can be transmitted to the mobile terminal 41 in the form of electronic data, the input of the purchase data by the user can be omitted, and the user only needs to input to accept the card payment.

The card transaction requesting means 45 generates card use primary data by adding mobile terminal identification data to purchase data on condition that the user's consent is input and purchase data is input. It is transmitted to the mobile center 42 by the communication means 49 (S2120).

Since the card use primary data does not include information to be stolen such as a card number, it can be transmitted through an open communication network 6 such as the Internet.

In the mobile center 42, the above-mentioned card use primary data is received by the center side communication means 54. Upon receipt of the card use primary data, the card use request relay means 55 is activated (S2210).

The card use request relay means 55 accesses the card information database 59 and the member store database 60, and confirms that both the paying side and the billing side by the electronic credit card are a regular registered user and a registered member store. Confirm (S2220).

[0271] The reason for confirming that the transaction is between a legitimate registered user and a registered member store is to prevent unauthorized transactions.

After confirming the legitimacy of the user and the member store, the card use request relaying means 55 accesses the card information database 59, obtains the card number of the user of the mobile terminal 41, and transmits the card number to the card transaction primary. Generate card transaction secondary data by adding to the data. The card use request relay means 55 transmits the generated card transaction secondary data to the card company system 43 by the center side communication means 54 (S2230).

Since the card transaction secondary data includes important information such as the user's card number, the card transaction secondary data is transmitted through the communication line 7 having high security reliability.

In the card company system 43, the card transaction secondary data is received by the card company side communication means 62, and the card transaction processing means 63 is activated by this reception (S2310).

The card transaction processing means 63 accesses the customer database 66, acquires data such as the card usage limit and the payment status of the user, and judges whether the user can use the card (S2320). .

If the card can be used by the user, the card transaction processing means 63 assigns an approval number and generates card use approval data (S2330). This use approval data is transmitted to the mobile center 42 by the card company side communication means 62.

At the mobile center 42 receiving the card use approval data, the card use request relay means 55
Sends the card use approval data to the member store (S
2410). If necessary, information that the card use has been approved is sent from the mobile center 42 to the mobile terminal 41.
Is also transmitted (S2420).

The affiliated store that has obtained the card use approval data can request the card company system 43 for settlement based on the card use approval data afterwards.

[0279] The above is "processing of a commercial transaction between remote locations by an electronic credit card". According to this processing, a credit card can be used for a commercial transaction between remote locations. Also, despite the use of credit cards between remote locations, card information such as important card numbers do not flow on the communication network, so that extremely secure electronic commerce can be realized.

2.3.1.1 Processing of Confirmation Communication In the above-mentioned “processing of business transaction by electronic credit card between remote locations”, in order to further improve the security of the transaction,
Several types of processing can be added.

As one of them, there is "confirmation communication" processing.

The processing of this "confirmation communication" is the same as the processing of the confirmation communication in the electronic financial transaction system.
That is, when a transaction request by an electronic credit card, that is, primary card use data is received from a certain mobile terminal 41, the mobile center 42 issues the request from the mobile center 42 side before generating the card use secondary data. Confirmation communication is performed with the mobile terminal 41 that has performed (S2430).

This processing is performed by the card use request relay means 55 of the mobile center 42. The card use request relay unit 55 reads the mobile terminal identification data of the mobile terminal 41 that has issued the request from the card use primary data, requests communication with the mobile terminal 41 indicated by the mobile terminal identification data, and It is confirmed that the mobile terminal 41 has requested the transaction by the electronic credit card.

By the confirmation communication, it is possible to prevent an unauthorized use of the electronic credit card by impersonating another person.

2.3.1.2 Transaction Record Confirmation Process A "card transaction record confirmation process" can be added to the above-mentioned "commerce transaction between remote locations using an electronic credit card". This “card transaction record confirmation processing” is shown in FIG.
This will be described with reference to FIG.

In the “card transaction record confirmation processing”, the card transaction processing means 63 of the card company system 43 converts the data of the electronic credit card transaction (referred to as “card use data”) processed by itself at regular intervals into the mobile center 42. (S2600). The electronic credit card transaction data processed by the card company system 43 is
It is also possible to search from the update data of the customer database 66, and it is also possible to store another processing list in the card company side storage device 65.

In the mobile center 42 receiving the card use data, the card use data is stored in the card use database 61 (S261).
0).

The card use data distribution means 56 accesses the card use database 61 at regular time intervals,
The card use data is arranged for each user, and the card use data arranged for each user is distributed by the center side communication means 54 (S2620).

The mobile terminal 41 that has received the card use data stores the card use data in the card use data storage means 52 without displaying the contents of the data (S2630).

When the user wants to view his / her card usage data, the card usage confirmation means 46 is activated, and the card usage confirmation means 46 requests the user to perform a predetermined operation. The card use data is extracted from the means 52 and displayed on the mobile display means 50 (S2640).

By looking at this card usage data,
The user can check the actual electronic credit card transaction that he or she has made with the remaining electronic credit card transaction at the credit card company, so that in the unlikely event that another person performs an electronic credit card transaction under his own name, If you do, you can find this quickly.

It is preferable that the distribution of the card use data is performed every 24 hours.

The reason why the card use confirmation means 46 requests the user to perform a predetermined operation and displays the card use data on condition that the operation is correct is to protect the privacy of the card use record data. The certain operation can be any known password input or the like.

2.3.1.3 Another Transaction Result Confirmation Process In the transaction result confirmation process in steps S2610 to S2640, the user refers to the card usage data by himself and checks it against his / her own memory or use copy. The transaction result confirmation process described below is a process in which the mobile terminal 41 stores its own electronic credit card transaction and automatically collates this with the card usage data transmitted from the credit card company.

According to the transaction result confirmation processing, the mobile terminal 41 has the card use result storage means 53, and the card use result storage means 53 always records the electronic credit card transactions performed by the mobile terminal 41 ( S265
0).

Processing from the card company system 43 via the mobile center 42 to the transmission of card use data to the storage of the card use data in the card use data storage means 52 (S2
610 to S2630) are exactly the same as the processing in 2.3.1.1.

[0297] Next, the card use confirming means 46 checks the card use data at regular time intervals or every time card use data is received.
The use results of the electronic credit card stored in the card use record storage means 53 and the card use data storage means 52 are collated, and the collation result is displayed by the mobile display means 50 (S2660).

According to the present transaction result confirmation processing, there is no need for the user to check his or her own memory or use copy, and a reliable and simple processing can be performed. Also, it is possible to display only when there is an abnormality in the collation result.

2.3.1.4 Return / Return Confirmation Process The “return / return confirmation process” of the mobile terminal 41 can be added to the “processing of a commercial transaction by an electronic credit card between remote locations”.

[0300] The "return confirmation process" is the same as the return confirmation process in the electronic financial transaction system described above.

That is, the mobile terminal 41 detects that the mobile terminal 41 has been charged or has not been charged for a certain period of time, and returns a return message or a non-return message (the return message and the non-return message are collectively referred to as a return / reject message). ) Mobile Center 42
(S2670).

At the mobile center 42 that has received the return message, the return message transmitting means 57 automatically transmits the return message to the registered mail address of the user (S2680).

[0303] The registered mail address may be stored and managed by the center side storage device 58 of the mobile center 42, or may be specified in the return / reject message.

[0304] The mobile center 42 may detect only a non-return message and transmit the non-return message to the registered mail address of the owner of the mobile terminal 41.

[0305] This completes the description of "processing of commercial transaction between remote locations by electronic credit card".

Next, the electronic commerce terminal 44 and the mobile terminal 4 provided at the member store are
The following describes a process of making a transaction with an electronic credit card by communicating with an electronic credit card (hereinafter referred to as “electronic credit card commercial transaction process using an electronic commerce terminal and a mobile terminal”).

2.3.2 Electronic Credit Card Commerce Process Using Electronic Commerce Terminal and Mobile Terminal In the electronic credit card commercial transaction process for communicating between the electronic commerce terminal and the mobile terminal, (1) the electronic commerce terminal,
There are electronic credit card transactions performed in the order of the mobile terminal, the mobile center, and the card company system, and (2) electronic credit card transactions performed in the order of the electronic commerce terminal, the mobile terminal, the electronic commerce terminal, the mobile center, and the card company system. .

2.3.2.1 Electronic Credit Card Transaction Processing Performed in the Order of Electronic Commerce Terminal, Mobile Terminal, Mobile Center, and Card Company System FIG. 6 shows a schematic processing flow of the electronic credit card transaction.

As shown in FIG. 6, in this processing, when a transaction agreement is established between the member store and the mobile terminal user, the e-commerce terminal 44 generates purchase data such as a billing amount and a product code, and 41 (S3000).

The mobile terminal 4 that has received the purchase data
In step 1, the purchase data is displayed, and the user is requested to input a confirmation.

When the user agrees with the contents of the purchase data and inputs a confirmation, the mobile terminal 41 adds the mobile terminal identification data to the purchase data and transmits it to the mobile center 42 as card use primary data (S310).
0).

[0312] The mobile center 42, which has received the primary card use data, confirms that the mobile terminal user and the affiliated store that are parties to the transaction are legitimate users and affiliated stores based on the primary card use data, The card use secondary data is generated by adding the user's card number to the data, and transmitted to the card company system 43 (S3200).

The card company system 43 which has received the card use secondary data judges whether or not the card can be used,
If the card can be used, an approval number is given, card use approval data is generated, and the data is returned to the mobile center 42 (S3300).

The mobile center 42 that has received the card use approval data transmits the card use approval data to the electronic commerce terminal 44 and, if necessary, the mobile terminal 41 (S3400).

Since the credit card use has been approved by the credit company between the user who has received the card use approval data and the credit card member store, the merchandise is delivered and the transaction is completed (S350).
0). The credit card merchant can request the payment from the credit card company after the fact.

Next, the actual processing of the system of each party in the above processing will be described with reference to FIG.

When a customer (user of the mobile terminal 41) requests the use of an electronic credit card, the electronic commerce processing means 67 of the electronic commerce terminal 44 displays the purchase data input screen on the electronic commerce terminal side display means 70. Is displayed (S3010) and the member store salesperson, the member store code, the amount, the payment method,
The purchase data including the product code and the bill code is input (S3020). When the purchase data is input, the electronic commerce processing means 67 transmits the purchase data to the mobile terminal 41 by the electronic commerce terminal side communication means 71 (S3).
030).

The mobile terminal 4 receiving the purchase data
In 1, the card transaction requesting means 45 displays the purchase data on the mobile side display means 50 (S3110), and requests the user to input a confirmation.

[0319] When the user inputs a confirmation using the mobile-side input means 48 (S3120), the card transaction request means 45 adds the identification data of the mobile terminal 41 to the purchase data to generate card use primary data. Is transmitted to the mobile center 42 by the mobile side communication means 49 (S3130).

In the mobile center 42 receiving the card use primary data, the card use request relay means 55
Accesses the member store database 60 and confirms from the member store code that the member store is a registered member store (S
3210) If it is a registered member store, the card information database 59 is accessed to search for card information of the mobile terminal, and this is added to card use primary data to generate card use secondary data (S3220). next,
The card use request relay means 55 transmits the card use secondary data to the card company system 4 by the center side communication means 54.
3 (S3230).

In the card company system 43 that has received the card use secondary data, the card transaction processing means 63
The customer database 66 is accessed to determine whether or not the card can be used. If the card can be used, an approval number is assigned to generate card use approval data (S3310).

When issuing card use approval data, the card transaction processing means 63 performs necessary processing such as recording the use of the user in the customer database 66.

The card transaction processing means 63 transmits the generated card use approval data to the mobile center 42 by the card company side communication means 62 (S3320).

At the mobile center 42 which has received the card use approval data, the card use request relay means 55 transmits the card use approval data to the electronic commerce terminal 44 by the center side communication means 54 and the mobile terminal 4 if necessary.
1 (S3410).

By receiving the card use approval data, the member store delivers the goods to the user and completes the transaction with the customer, since the payment of the payment has been guaranteed by the credit card company.

Also, the member store can request the card company to settle the payment later using the card use approval data.

According to the above processing, the purchase data is transmitted directly from the electronic commerce terminal 44 to the mobile terminal 41, and only by inputting a confirmation to the mobile terminal 41, it is possible to carry out the commercial transaction by the electronic credit card quickly and safely. it can.

According to this processing, the mobile terminal 4
1 and the electronic commerce terminal 44 can carry out commerce using an electronic credit card regardless of whether they are close to or far from each other, and thus have an advantage that the application range is extremely wide.

The above is the processing of the electronic credit card transaction using the electronic commerce terminal provided with the credit card membership, and the processing of the electronic credit card transaction performed in the order of the electronic commerce terminal, the mobile terminal, the mobile center, and the card company system. It is a flow.

Next, processing of an electronic credit card transaction, which also uses an electronic commerce terminal and is performed in the order of an electronic commerce terminal, a mobile terminal, an electronic commerce terminal, a mobile center, and a card company system, will be described.

2.3.2.2 Electronic Credit Card Transaction Processing Performed in the Following Order: Electronic Commerce Terminal, Mobile Terminal, Electronic Commerce Terminal, Mobile Center, Card Company System Is different from the processing in 2.3.2.1 in that after transmitting at least a part of the mobile terminal, after confirming and inputting the mobile terminal, the purchase data including the mobile terminal identification data is transmitted again to the electronic commerce terminal. The processing from relaying the card use request from the mobile center to the card company and transmitting the card use approval data from the card company system to the electronic commerce terminal via the mobile center is the same as 2.3.2.1.

FIG. 8 shows a schematic flow of this processing.

As shown in FIG. 8, in this processing, when there is a request for a transaction by an electronic credit card, at least one of the member store code, the amount of money, the payment method, the product code, and the bill code is sent to the electronic commerce terminal 44. The purchase data including the part is input and transmitted to the mobile terminal 41 (S
4000).

The reason why "input at least a part of the purchase data" is made in consideration of a case where the purchase data includes information on business secrets.
For example, the cost of a product, an acquisition route, and the like. On the other hand, the purchase data transmitted to the mobile terminal 41 must be at least sufficient for the customer to confirm the price to be paid, the product to be purchased, the member store, and the like.

The mobile terminal 4 that has received the purchase data
In step 1, the purchase data is displayed, the user is requested to input a confirmation, and when the confirmation is input, the mobile terminal identification data is added to the purchase data and returned to the e-commerce terminal 44 as card use primary data. (S4100).

At the e-commerce terminal 44 that has received the card use primary data, the user confirms the confirmation input, and if there is any unentered data in the purchase data, inputs it.
Mobile Center 4 as complete card usage primary data
2 (S4200).

At the mobile center 42 that has received the card use primary data, after confirming the member store / user, the card number of the mobile terminal 41 is added to the card use primary data, and the card company system 43 is used as the card use secondary data. (S4300).

The card company system 43 that has received the card use secondary data determines whether or not the card can be used.
If the card can be used, an approval number is assigned, card use approval data is generated, and the card use approval data is returned to the mobile center 42 (S4400).

The mobile center 42 that has received the card use approval data transmits the card use approval data to the electronic commerce terminal 44 and, if necessary, the mobile terminal 41 (S4500).

[0340] The merchandise is delivered between the user who has received the card use approval data and the credit card member store, and the transaction is completed. The credit card member store can subsequently request settlement from the credit card company (S4600).

Next, the actual processing of the system of each party in the above processing will be described with reference to FIG.

When a customer (user of the mobile terminal 41) requests use of an electronic credit card, the electronic commerce processing means 67 of the electronic commerce terminal 44 displays the purchase data input screen on the electronic commerce terminal side display means 70. Is displayed (S4010), and the member store salesperson, the member store code, the amount, the payment method,
The purchase data including at least a part of the commodity code and the bill code is input (S4020). When the purchase data is input, the e-commerce processing means 67 transmits the purchase data to the mobile terminal 41 by the e-commerce terminal side communication means 71.
(S4030).

The mobile terminal 4 that has received the purchase data
In 1, the card transaction requesting means 45 displays the purchase data on the mobile side display means 50 (S4110), and requests the user to input a confirmation.

When the user inputs a confirmation using the mobile-side input means 48 (S4120), the card transaction request means 45 generates the card use primary data by adding the identification data of the mobile terminal 41 to the purchase data. Is transmitted to the mobile center 42 by the mobile side communication means 49 (S4130).

In the e-commerce terminal 44 receiving the card use primary data, the e-commerce processing means 67 causes the e-commerce terminal display means 70 to display the received card use primary data, and inputs the confirmation to the member store salesperson. If there is a remaining part in the purchase data, the user is requested to input the purchase data of the remaining part (S4210).

[0346] The user enters the electronic commerce terminal side input means 69.
When the confirmation input or the like is performed (S4220), the e-commerce processing means 67 sends the e-commerce terminal side communication means 71
Transmits the card use primary data to the mobile center 42 (S4230).

In the mobile center 42 receiving the card use primary data, the card use request relay means 55
Accesses the member store database 60 and confirms from the member store code that the member store is a registered member store (S
4310) If it is a registered member store, the card information database 59 is accessed to search for the card information of the mobile terminal, and this is added to the card use primary data to generate card use secondary data (S4320).

Next, the card use request relay means 55 transmits the card use secondary data to the card company system 43 by the center side communication means 54 (S4330).

In the card company system 43 receiving the card use secondary data, the card transaction processing means 63
The customer database 66 is accessed to determine whether the card can be used. If the card can be used, an approval number is assigned to generate card use approval data (S4410).

When issuing card use approval data, the card transaction processing means 63 performs necessary processing such as recording the use of the user in the customer database 66.

The card transaction processing means 63 transmits the generated card use approval data to the mobile center 42 by the card company side communication means 62 (S4420).

In the mobile center 42 which has received the card use approval data, the card use request relay means 55 transmits the card use approval data to the electronic commerce terminal 44 and the mobile terminal 4
1 (S4510).

By receiving the card use approval data, the member store can confirm that the payment has been guaranteed by the credit card company, deliver the product to the user, and complete the transaction with the customer.

Also, the member store can later request the card company for settlement based on the card use approval data.

The above is the transaction by the electronic credit card using the electronic commerce terminal 44, and the processing is performed in the order of the electronic commerce terminal, the mobile terminal, the electronic commerce terminal, the mobile center, and the card company system.

According to this processing, the purchase data transmitted to the mobile terminal 41 can be only the minimum data sufficient for the customer to approve. In addition, the primary card use data is returned from the customer (the user of the mobile terminal 41), so that the member store confirms the customer and adds information such as the cost of the product and the source of the product to the mobile center 42.
Can be sent to

In the electronic credit card transaction processing for performing communication between the electronic commerce terminal and the mobile terminal, the following processing is performed.
3.2.1 “E-commerce terminal, mobile terminal, mobile center, electronic credit card transaction performed in the order of card company system”, 2.3.2.2 “E-commerce terminal, mobile terminal, e-commerce terminal, mobile center” Electronic credit card transactions performed in the order of the card company system "
In any of the above, it is possible to add the confirmation communication processing of 2.3.1.1 to 2.3.1.4, the transaction result confirmation processing, and the return / refusal confirmation processing. The confirmation communication processing, the transaction result confirmation processing, and the return / refusal confirmation processing are completely the same as those in the system without the electronic commerce terminal, and thus redundant description will be omitted.

[0358] 3. Electronic individual product installment system Next, an electronic individual product installment system using a mobile terminal and an electronic commerce terminal will be described.

3.1 Electronic Individual Item Installment System in Form of Providing Customer Information from Card Company to Credit Sales Company FIG. 10 shows the configuration of an individual item installment system according to the present invention and the flow of processing thereof. The individual product installment system according to this embodiment is a system in which a card company provides customer information in the company to a credit sales company. This is different from the form provided to the company.

As shown in FIG. 10, an electronic individual product installment system 80 according to the present embodiment includes a mobile terminal 81, a mobile center 82, a card company system 83, a credit company system 84, There is a commerce terminal 85.

The mobile terminal 81 is a portable information processing device having a mobile phone function and having a certain information processing capability.

The e-commerce terminal 85 is a mobile terminal 81
This is an information processing device for electronic commerce provided in a member store configured to be able to communicate with a member store.

The mobile center 82 is connected to the mobile terminal 8
1 and an electronic commerce terminal 85, and is provided with information processing capability.

[0364] The card company system 83 is an information processing system provided in a credit card company and configured to be communicable with the mobile center 82.

The credit company system 84 is an information processing system provided in the credit company and configured to be able to communicate with the card company system 83.

The mobile terminal 81 is connected to the individual product installment requesting means 8.
6, mobile-side communication means 87, mobile-side display means 88, and mobile-side input means 89.

The individual item installment requesting means 86 is a means for processing a request when a customer intends to use the individual item installment.

[0368] The mobile communication means 87 is communication means provided in the mobile terminal 81.

[0369] The mobile-side display means 88 is a display means provided in the mobile terminal 81.

[0370] The mobile-side input means 89 is an input means provided in the mobile terminal 81.

The mobile center 82 has a center-side communication unit 90, an individual product installment request relay unit 91, and a center-side storage device 92. Center side storage device 92
Has a card information database 93.

The center communication means 90 is a communication means provided in the mobile center 82.

The individual product installment request relaying means 91 is a means for adding the card number of the mobile terminal owner to the individual product installment request issued by the mobile terminal 81 and relaying the request to the card company system 83.

The center storage device 92 is a storage device provided in the mobile center 82.

The card information database 93 is a database for storing and managing card-related information such as the card number of the owner of each mobile terminal 81.

The card company system 83 has a card company side communication means 94, a card company side storage device 95, and an individual product installment request processing means 96. The card company side storage device 95 has a customer database 97.

The card company side communication means 94 is a communication means provided in the card company system 83.

The card company storage device 95 is a storage device provided in the card company system 83.

The individual item installment request processing means 96 is a means for attaching the individual item installment request to the customer information of the user who issued the request and transmitting the request to the credit company system 84.

The customer database 97 is a database for storing and managing customer information including information on the customer's payment status and the like.

The credit company system 84 has a credit company communication means 98, an individual installment contract means 99, and a credit company storage device 100. Credit sales company side storage device 100
Has a contract database 101 and a credit customer database 102.

The electronic commerce terminal 85 includes an electronic individual product installment processing means 103, an electronic commerce terminal side input means 104, an electronic commerce terminal side display means 105, an electronic commerce terminal side communication means 106, an output means 107, E-commerce terminal side storage means 108.

The credit company communication means 98 is a communication means provided in the credit company system 84.

The individual product installment contract means 99 is a means for examining the credit of the customer and performing the processing when an individual product installment contract is concluded.

The credit company storage device 100 is a storage device provided in the credit company system 84.

The contract database 101 is a database that stores and manages individual installment contracts.

[0387] The credit sales customer database 102 is a database for storing and managing customer information relating to the individual installment, which the credit sales company has independently.

The electronic commerce terminal 85 includes an electronic individual product installment processing means 103, an electronic commerce terminal side input means 104, an electronic commerce terminal side display means 105, an electronic commerce terminal side communication means 106, an output means 107, E-commerce terminal side storage means 108.

[0389] The electronic individual product installment processing means 103, when a customer requests an individual product installment contract by electronic commerce,
This is a means for performing processing for communicating with the customer's mobile terminal 81 and mobile center 82 to support the conclusion of an individual product installment contract between the customer and the credit sales company.

[0390] The electronic commerce terminal side input means 104 is an input means provided in the electronic commerce terminal 85.

The electronic commerce terminal side display means 105 is a display means provided in the electronic commerce terminal 85.

The e-commerce terminal side communication means 106 is a communication means provided in the e-commerce terminal 85.

The output unit 107 is a unit for outputting an individual product installment contract when the credit company agrees to sign an individual product installment contract.

Although the output means 107 is described as a printer of the electronic commerce terminal 85 for easy understanding, the output means 107 is not limited to the printer built in the electronic commerce terminal 85. That is, the printer may encounter a device which is independent and separate from the electronic commerce terminal 85. In this case, the output means of the electronic commerce terminal 85 means means for outputting electronic data to the printer. Thus, the output unit 107
May include a printer and means for outputting electronic data to the printer, or may include only means for outputting electronic data to the printer.

[0395] The electronic commerce terminal storage means 108 is a storage means provided in the electronic commerce terminal 85.

Next, the flow of processing by the electronic individual product installment system 80 will be described.

[0397] Fig. 11 shows a schematic flow of the electronic individual product installment processing by the electronic individual product installment system 80.

As shown in FIG. 11, according to the electronic installment installment system 80, the customer (mobile terminal 8)
When the user (1) requests payment by individual product installment, the member store salesperson enters at least a part of the purchase data of the product into the e-commerce terminal 85 provided in the member store, and the user inputs this data. Mobile terminal 81
(S5000).

The mobile terminal 8 that has received the purchase data
In step 1, after the user confirms the purchase data, the user inputs data necessary for the individual product installment contract. When the data required for the individual product installment contract is input, the mobile terminal 81 adds the mobile terminal identification data and transmits the data to the electronic commerce terminal 85 as individual product installment primary data (S5100).

[0400] The electronic commerce terminal 85 that has received the individual product installment primary data displays the individual product installment primary data.
The merchant salesperson checks the user, etc., and if there is any missing data in the purchase data, enters the remaining purchase data,
The complete primary installment data is transmitted to the mobile center 82 (S5200).

At the mobile center 82 receiving the primary installment primary data, the mobile store 82 confirms that the member store / user who is going to make a transaction is a legitimate member store / user.
The credit card number of the user is added to the primary installment primary data and transmitted to the card company system 83 as individual installment secondary data (S5300).

The card company system 83 which has received the individual installment secondary data retrieves the customer information corresponding to the card number, replaces the card number of the individual installment secondary data with the customer information, and replaces the individual installment tertiary data with the customer information. Is generated and transmitted to the credit company system 84.

The credit sales company system 84, which has received the individual installment tertiary data, conducts a credit investigation of the customer based on the customer information provided by the card company and, if necessary, by taking into account its own customer information. As a result, if the credit company agrees to enter into an individual product installment contract with the user, the credit company system 84 transmits contract data for creating a contract to the mobile center 82 and stores the contract data in its own system. The fact of the contract is recorded (S5500).

[0404] Upon receiving the contract data, the mobile center 82 transmits the contract data to the e-commerce terminal 8 of the member store.
5 (S5600).

The e-commerce terminal 85 that has received the contract data outputs the contract through its output means 107 (S5700).

[0406] The individual product installment contract is passed to the user.
Here, the contract is officially stamped, and an individual product installment contract is concluded between the user and the credit company, and the member store can deliver the product to the user and subsequently request settlement from the credit company (S5800). .

Next, returning to FIG. 10, the details of the above processing will be described.

[0408] First, when a customer (user of the mobile terminal 81) requests payment of the product price by electronic individual installment, the member store salesperson operates the electronic commerce terminal 85 to perform electronic individual installment processing. Activate the means 103. The activated electronic individual product installment processing means 103 displays the purchase data input screen on the electronic commerce terminal side display means 105, and gives the member store salesperson a member store code, an amount, a payment method, a product code,
The purchase data including at least a part of the bill code is input (S5010).

When the member store salesperson has input the purchase data using the electronic commerce terminal side input means 104, (S
5020), the electronic individual product installment processing means 103 transmits this to the user-owned mobile terminal 81 by the electronic commerce terminal side communication means 106 (S5030).

[0410] The mobile terminal 8 that has received the purchase data
In step 1, the individual product installment requesting means 86 displays the purchase data received by the mobile-side display means 88, and requests the user to confirm and input data necessary for the individual product installment contract (S5110).

If the user has input the data necessary for the individual product installment contract (preferably, the input of this data also serves as a confirmation input by the user) (S5120), the individual product installment requesting means 86 outputs the purchase data and the user The mobile terminal identification data is added to the input data, and the data is returned to the electronic commerce terminal 85 as individual installment primary data (S
5130).

[0412] In the electronic commerce terminal 85 that has received the above-mentioned individual item installment primary data, the electronic individual item installment processing means 103 displays the individual item installment primary data on the electronic commerce terminal side display means 105, and confirms it with the member store salesperson. If there is an unentered portion in the input and purchase data, a request is made to input the unentered portion (S5210).

If the member store salesperson has input the purchase data and confirmation using the electronic commerce terminal side input means 104 (S5220), the electronic individual product installment processing means 103
Will send complete individual installment primary data to mobile center 82
(S5230).

[0414] At the mobile center 82 which has received the individual installment primary data, the individual installment request relay means 91 determines that the user who intends to make a transaction and the affiliated store are authorized users and affiliated stores. After confirmation by a list or the like (S5310), the card information database 93 is accessed, and the card information of the corresponding mobile terminal owner is searched (S5320). Next data is generated and transmitted to the card company system 83 (S5330).

[0415] In the card company system 83 that has received the above-mentioned individual item installment secondary data, the individual item installment request processing means 96 performs
The customer database 97 is accessed, and customer information corresponding to the card information included in the individual product installment secondary data is searched. This is replaced with the card information of the individual product installment secondary data, and the individual product installment tertiary. Data is generated (S5410). The individual product installment request processing means 96 transmits the generated individual product installment tertiary data to the credit company system 84 by the card company side communication means 94 (S5420).

[0416] In the credit sales company system 84 which has received the tertiary installment data, the individual installment contracting means 99 checks the credit of the customer based on the customer information in the tertiary installment data supplied by the card company system 83 ( A determination is made as to whether or not an individual product installment contract is possible (S5510). If necessary, the individual article installment contracting means 99 also accesses the credit customer database 102 and conducts a credit check based on its own customer information (S5520).

[0417] As a result, when it is determined that the individual product installment contract is possible, the individual product installment contract means 99 creates contract data, records it in the contract database 101, and stores the contract data (S5).
530), the contract data is transmitted to the mobile center 82 by the credit company communication means 98 (S5540).

[0418] In the mobile center 82 that has received the contract data, the individual article installment request relay means 91 transmits the contract data to the electronic commerce terminal 85 by the center communication means 90.
(S5610).

[0419] At the electronic commerce terminal 85 receiving the contract data, the electronic individual product installment processing means 103 outputs the output means 1
In step S5710, the contract data is output as an individual product installment contract.

[0420] According to this contract, the user (mobile terminal owner) confirms and seals, and an individual product installment contract is concluded between the user and the credit company. The merchant can give the product to the user and subsequently ask the credit company for settlement.

The above is the processing of the individual item installment transaction by the electronic individual item installment system 80. This electronic individual product installment system 8
Processing with 0 has the advantage that individual installment contracts can be completed very quickly.

That is, the electronic individual product installment system 80
In the electronic individual product installment process, most of the data necessary for the customer's credit check is stored in the card company system 83, so that the customer has to enter very little data at the store. As a result, the time for the customer to enter data in the contract is significantly reduced.

Further, since the customer information supplied by the card company system 83 is detailed and highly reliable, the credit company can use the customer information of the card company to greatly reduce the time required for the credit check.

[0424] Further, in the electronic individual product installment processing by the electronic individual product installment system 80, data is exchanged between the information processing devices from the input of the member store salesperson to the output of the contract, and the contract is made extremely quickly without delay. Can be output.

[0425] Further, the electronic individual product installment processing by the electronic individual product installment system 80 has an advantage that information can be exchanged extremely safely despite using a relatively open communication network such as the Internet.

This is because card information such as a card number is stored in the mobile center 82 and credit card customer information is stored in the card company system 83 in a distributed manner.

That is, since the individual installment primary data does not include card information or the like to be stolen, the user may be disadvantaged even if intercepted by a third party on the Internet. Absent. In addition, mobile center 8
2 has only card information corresponding to the mobile terminal 81. In the present system, it is not possible to make a direct transaction using only card information, so that disadvantages of the user can be prevented.

Further, since information such as a card number is deleted from the tertiary installment tertiary data sent to the credit company, the user's card number and the like do not leak outside through the credit company.

As described above, according to the electronic individual product installment system 80, since complete data to be stolen does not circulate on the communication network, essentially secure transactions can be performed. Due to this security, the electronic individual product installment system 80 can use a convenient communication network such as the Internet,
This makes it possible to realize an individual installment system having a very wide range of applications.

[0430] The electronic individual installment installment system 80 also includes a confirmation communication process, a transaction record confirmation process, a return confirmation process, and the like, like the electronic financial transaction system and the electronic credit card system described above. Can be added. These processes can be performed in the same manner as those described above, and thus the duplicate description will be omitted here.

3.2 Electronic Individual Installment Payment System in which Customer Information Center Provides Customer Information to Credit Sales Company Next, the customer information center provides the customer information necessary for examination of the individual product installment contract to the credit sales company. The installment installment system will be described.

FIG. 12 shows the configuration of an embodiment of the individual article installment system according to the present invention and the flow of the processing. In the individual product installment system according to the present embodiment, the customer information center centrally manages the customer information of each credit card company, and the customer information center provides the customer information to the credit company.
For easy understanding, the same portions as those in FIG. 10 are denoted by the same reference numerals, and description thereof will be omitted.

As shown in FIG. 12, the individual product installment system 110 according to the present embodiment includes a mobile terminal 81, a mobile center 82, a credit company system 84, an electronic commerce terminal 85,
There is a customer information center 111.

The mobile terminal 81, mobile center 8
2. The credit company system 84 and the electronic commerce terminal 85 are the same as those of the electronic individual product installment system 80, and have the same internal configuration. However, the mobile center 82
There is no need to provide the card information database 93, and the card information database 93 is provided at the customer information center 111.

The customer information center 111 is a neutral and fair organization in which a credit card company agreeing to the present system provides customer information and centrally manages the customer information.

The customer information center 111 comprises a customer information center side communication means 112 and an individual product installment request processing means 113
And a storage unit 114 for the customer information center. The customer information center side storage device 114 has a customer database 115 and a card information database 116.

[0437] The customer information center side communication means 112 is a communication means provided in the customer information center 111.

[0438] The individual product installment request processing means 113 is a means for, when receiving a transaction request by electronic personal product installment, providing customer information of the user who issued the request to the credit company system 84.

[0439] The customer information center-side storage device 114 is a storage device provided in the customer information center 111.

[0440] The customer database 115 is a database that receives information from a credit card company that has agreed upon and stores and manages customer information in a centralized manner.

The card information database 116 is a database for storing and managing card information of each mobile terminal owner.

Next, the flow of processing by the individual article installment system 110 will be described.

[0443] Fig. 13 shows a schematic flow of an electronic individual product installment process by the individual product installment system 110.

In the processing by the individual product installment system 110, the purchase data is transmitted by the electronic commerce terminal 85 (S6).
000), generation / reply of primary item installment primary data by the mobile terminal 81 (S6100), and transmission of primary item installment primary data from the electronic commerce terminal 85 to the mobile center 82 (S6200) by the electronic individual component installment system 80. This is the same as the processing (FIG. 11).

In step S6200, the mobile center 82 which has received the individual installment primary data generated by the electronic commerce terminal 85 in step S6200 checks the registration of the user and the member store in the mobile center 82 according to the system configuration.
After confirming that the store is a legitimate user and a member store, the primary installment primary data is transferred (S6300).

[0446] The customer information center 111, which has received the individual installment primary data, generates the individual installment secondary data by adding the customer information of the mobile terminal owner who issued the request to the individual installment primary data. Is transmitted to the credit company system 84 (S6400).

The credit sales company system 84 that has received the individual installment secondary data performs a credit survey of the customer based on the customer information provided by the customer information center. Perform a credit check. As a result, if the credit company agrees to enter into an individual product installment contract with the user, the credit company system 84 transmits contract data for creating a contract to the mobile center 82 and stores the contract data in its own system. The fact of the contract is recorded (S6500).

The mobile center 82 having received the contract data stores the contract data in the e-commerce terminal 8 of the member store.
5 (S6600).

[0449] Receiving the contract data, the electronic commerce terminal 85 outputs a contract by its output means 107 (S6700).

The above individual product installment contract is passed to the user,
Here, the contract is officially stamped, and an individual product installment contract is concluded between the user and the credit company, and the member store can deliver the product to the user and request settlement from the credit company afterward (S6800). .

Next, returning to FIG. 12, the above processing will be described in detail.

First, when a customer (user of the mobile terminal 81) requests payment of the commodity price by the electronic individual installment, the member store salesperson operates the electronic commerce terminal 85 to execute the electronic individual installment processing. Activate the means 103. The activated electronic individual product installment processing means 103 displays the purchase data input screen on the electronic commerce terminal side display means 105, and gives the member store salesperson a member store code, an amount, a payment method, a product code,
The purchase data including at least a part of the bill code is input (S6010).

When the member store salesperson has input the purchase data using the electronic commerce terminal-side input means 104, (S
6020), the electronic individual product installment processing means 103 transmits this to the user-owned mobile terminal 81 by the electronic commerce terminal side communication means 106 (S6030).

The mobile terminal 8 that has received the purchase data
In step 1, the individual item installment requesting means 86 displays the purchase data received by the mobile display unit 88, and requests the user to confirm and input data necessary for the individual item installment contract (S6110).

If the user has input the data necessary for the individual product installment contract (preferably, the input of this data also serves as a confirmation input by the user) (S6120), the individual product installment requesting means 86 outputs the purchase data and the user The mobile terminal identification data is added to the input data, and the data is returned to the electronic commerce terminal 85 as individual installment primary data (S
6130).

In the electronic commerce terminal 85 which has received the above-mentioned individual item installment primary data, the electronic individual item installment processing means 103 displays the individual item installment primary data on the electronic commerce terminal side display means 105, and confirms it with the member store salesperson. If there is an unentered portion in the input and purchase data, a request is made to input the unentered portion (S6210).

If the member store salesperson has input the purchase data and the confirmation using the electronic commerce terminal side input means 104 (S6220), the electronic individual product installment processing means 103
Will send complete individual installment primary data to mobile center 82
(S6230).

[0458] In the mobile center 82 which has received the individual installment primary data, the individual installment request relay means 91 determines that the user who intends to make a transaction and the affiliated store are authorized users and affiliated stores. After confirmation by a list or the like (S6310), the primary installment primary data is transferred to the customer information center 111 (S6330).

Note that confirmation that the user and the member store are authorized registered users and registered member stores can also be performed at the customer information center 111.

At the customer information center 111 which has received the individual installment secondary data, the individual installment request processing means 113
Accesses the customer database 115 and the card information database 116, searches for the corresponding customer information, and adds this to the individual product installment primary data to generate individual product installment secondary data (S6410). Individual product installment request processing means 96
Transmits the generated individual installment secondary data to the credit company system 84 by the customer information center side communication means 112 (S6420).

In the credit sales company system 84 which has received the individual installment secondary data, the individual installment contract means 99 checks the customer's credit (based on whether the individual installment contract is available or not) based on the customer information supplied by the customer information center 111. (S65)
10). If necessary, the individual article installment contracting means 99 also accesses the credit customer database 102 and conducts a credit check based on the customer information of the company (S6520).

As a result, when it is determined that an individual product installment contract is possible, the individual product installment contract means 99 creates contract data and records it in the contract database 101 (S6).
530), the contract data is transmitted to the mobile center 82 by the credit company communication means 98 (S6540).

In the mobile center 82 receiving the contract data, the individual product installment request relaying means 91 transmits the contract data to the electronic commerce terminal 85 by the center communication means 90.
(S6610).

[0464] In the electronic commerce terminal 85 receiving the contract data, the electronic individual product installment processing means 103 outputs the output means 1
In step S6710, the contract data is output as an individual product installment contract.

According to this contract, the user (mobile terminal owner) confirms and seals, and an individual product installment contract is concluded between the user and the credit company. The merchant can give the product to the user and subsequently ask the credit company for settlement.

The above is the electronic individual product installment process when the customer information center 111 provides customer information.

According to this processing, in addition to the advantages of the electronic individual article installment system of providing customer information from the 3.1 card company to the credit sales company, the following advantages are provided.

[0468] According to the individual product installment system 110, each card company individually stores its own customer information in the credit sales company system 84.
One customer information center 11
Since the customer information is transmitted directly from 1 to the credit company system 84, the communication efficiency is high as a whole.

Also, since the customer information of each credit card company is centrally managed, the utilization efficiency of hardware such as a storage device is high.

Further, by providing the customer information from the single customer information center 111 in this manner, the customer information can be leveled and standardized. By leveling and standardizing the customer information in this way, an effect of increasing the reliability of the customer information is also produced.

[0471] The description of the electronic individual product installment system is now completed. Next, the electronic money system will be described.

[0472] 4. 4. Electronic Money System 4.1 Configuration of Electronic Money System FIG. 14 shows the configuration and processing flow of an electronic money system according to the present invention.

[0473] The electronic money system 120 is a mobile terminal 1 as a system of a party using this system.
21, e-commerce terminal 122, mobile center 12
Third, the financial institution system 124 is provided.

[0474] The mobile terminal 121 is an information processing device possessed by the electronic money user. Mobile terminal 121
Has a portable telephone function and is capable of carrying out information processing to some extent and is portable. The mobile terminal 121
In an electronic money system, it is equivalent to a container of electronic money, so to speak, a “wallet”.

[0475] The electronic commerce terminal 122 is an information processing terminal provided at a member store using the electronic money system. The e-commerce terminal 122 is a mobile terminal 12
1 is communicable. Electronic commerce terminal 122
Is preferably used also as an electronic commerce terminal of the electronic credit card system and the electronic individual product installment system according to the present invention.

[0476] The mobile center 123 is an information processing system configured to be able to communicate with the mobile terminal 121 and the electronic commerce terminal 122. The mobile center 123
It may be the same as the relay station of the mobile phone operator, or may be a system separate from the mobile phone operator.

The financial institution system 124 is an information processing system of a financial institution that issues electronic money. here,
A financial institution is a card company, a bank, or other business that issues electronic money.

The mobile terminal 121 includes an electronic money issuing request unit 125, an electronic money payment unit 126, an electronic money return unit 127, a mobile input unit 128, a mobile communication unit 129, a mobile display unit 130, and a mobile storage unit 131. have.

[0479] The electronic money issuance requesting means 125 is a means for having a financial institution issue a fixed amount of electronic money before using the electronic money.

[0480] The electronic money payment means 126 is a processing means for paying a member store.

[0481] The electronic money return means 127 is means for returning the remaining electronic money to the financial institution.

[0482] The mobile-side input means 128 is an input means provided in the mobile terminal 121. Preferably, the mobile-side input unit 128 is also used as an input unit of a mobile phone.

[0483] The mobile communication means 129 is a communication means provided in the mobile terminal 121. It is preferable that the mobile communication means 129 also serves as communication means of the mobile phone.

[0484] The mobile-side display means 130 is a display means provided in the mobile terminal 121. It is preferable that the mobile-side display unit 130 also serves as a display unit of the mobile phone.

[0485] The mobile storage unit 131 is a storage unit provided in the mobile terminal 121. It is preferable that the mobile-side storage unit 131 also doubles as a unit that stores a telephone number of a mobile phone.

[0486] The mobile terminal 121 has a return message means as necessary.

The e-commerce terminal 122 includes an e-money billing means 132, an authentication means 133, an e-money settlement request means 134, an e-commerce terminal input means 135, an e-commerce terminal display means 136, and an e-commerce terminal communication means 13.
7. It has an electronic commerce terminal side storage means 138.

[0488] The electronic money request means 132 is means for performing processing when a member store requests electronic money from a customer.

[0489] The authentication means 133 is a processing means for authenticating that the electronic money is for the correct user.

[0490] The electronic money settlement request means 134 is a means for requesting the financial institution to settle the electronic money paid by the customer.

The e-commerce terminal input means 135 is an input means provided in the e-commerce terminal 122.

[0492] The electronic commerce terminal side display means 136 is a display means provided in the electronic commerce terminal 122.

[0493] The electronic commerce terminal side communication means 137 is a communication means provided in the electronic commerce terminal 122.

[0494] The electronic commerce terminal side storage means 138 is a storage means provided in the electronic commerce terminal 122.

The mobile center 123 has a center communication unit 139, an electronic money issue request relay unit 140, an electronic money settlement request relay unit 141, an electronic money return relay unit 142, an authentication information distribution unit 143, and a center storage device 144. are doing.

[0496] The center-side storage device 144 includes the financial-related information database 145 and the electronic money issuing database 1
46.

[0497] The center-side communication means 139 is communication means provided in the mobile center 123.

The electronic money issuance request relay means 140 is a processing means for relaying an electronic money issuance request issued by a user to a financial institution.

The electronic money settlement request relay means 141 is a means for relaying a message requesting settlement of electronic money from a member store to a financial institution.

[0500] The electronic money return relay unit 142 is a unit for relaying a message for returning the remaining electronic money to the financial institution to the financial institution.

[0501] The authentication information distribution means 143 is a means for distributing information for the member store to authenticate that the user is an authorized user to the user and the member store.

[0502] The center-side storage device 144 is a storage device provided in the mobile center 123.

[0503] The financial information database 145 is a database for storing and managing financial information such as a user's account number, personal identification number, password, and card number.

[0504] The electronic money issue database 146 is a database that stores and manages electronic money issue numbers, issuer financial institutions, and issue destination mobile terminals.

[0505] The mobile center 123 may have a pull message transmitting means if necessary.

The financial institution system 124 includes a financial institution communication means 147, an electronic money issue processing means 148, an electronic money balance checking means 149, an electronic money settlement processing means 150, and a financial institution storage device 151. The financial institution side storage device 151 includes a customer database 152,
An electronic money database 153 is provided.

4.2 Process of Electronic Money System Next, the process of the electronic money system 120 will be described.

First, the general processing flow will be described.

FIG. 15 shows a schematic processing flow of the electronic money system 120.

As shown in FIG. 15, according to the electronic money system 120, first, the authentication information and the authentication information generation algorithm are distributed from the mobile center 123 to the mobile terminal 121 and the electronic commerce terminal 122, respectively. The authentication information and the authentication information generation algorithm are used in electronic commerce to confirm that the transaction partner is a legitimate user or a member store.

The authentication information and authentication information generation algorithm are preferably updated daily.

[0512] Next, a predetermined amount of electronic money is issued from the financial institution system 124 together with the issue number to the mobile terminal 121 that intends to use the electronic money. The issued electronic money is stored in the mobile terminal 121 and used for use.

[0513] Next, electronic money is used for commercial transactions between the mobile terminal 121 and the electronic commerce terminal 122. In use, the electronic commerce terminal 122 uses the authentication information and the authentication information generation algorithm to confirm that the electronic money has been issued from the authorized financial institution to the authorized mobile terminal 121.

[0514] Next, the electronic money used in this manner is the electronic money received from the electronic commerce terminal 122,
From the mobile terminal 121, the remaining electronic money is transmitted to the issuing financial institution.

[0515] The financial institution system 124 checks the electronic money received by the affiliated store with the remaining electronic money of the mobile terminal 121, and confirms that the use of the electronic money is sound.

The above is the outline of the processing of this electronic money system. Next, how the above processing is actually performed in each system will be described with reference to FIG.

First, distribution of authentication information and an authentication information generation algorithm will be described.

In FIG. 14, the mobile center 123
The authentication information distributing means 143 randomly selects a predetermined authentication information generation algorithm before starting the electronic money processing, and according to the authentication information generation algorithm, an individual corresponding to the telephone number of each mobile terminal or the mobile terminal identification data. Generate authentication information. Authentication information distribution means 143
Distributes the authentication information generated by the center side communication unit 139 to each mobile terminal 121 and the authentication information generation algorithm to each electronic commerce terminal 122 (S70).
10).

[0519] Note that the authentication information generation algorithm outputs specific authentication information uniquely determined when identification data (telephone number or unique mobile terminal identification data) of each mobile terminal 121 is input. The authentication information generation algorithm is preferably a predetermined calculation formula,
It may be a correspondence table between mobile terminal identification data and authentication information.

[0520] The mobile terminal 121 stores the received authentication information in the mobile storage means 131, and the electronic commerce terminal 122 stores the authentication information generation algorithm in the electronic commerce terminal storage means 138.

Next, issuance of electronic money will be described.

[0522] When the mobile terminal 121 requests the issuance of electronic money, the electronic money issuance requesting unit 125 issues a request to issue electronic money. When activated, the electronic money issuance request unit 125 activates the mobile display unit 130.
To display an electronic money issuance request screen (S7020),
The user is requested to input electronic money issuance request primary data including the amount of electronic money.

[0523] The electronic money issuance request primary data is data that includes the amount of electronic money to be requested, its own mobile terminal identification data, and does not include financial information. That is, the electronic money issuance request primary data is data that is not plagiarized because it has no value to plagiarize.

[0524] When the user inputs an amount or the like using the mobile-side input means 128 (S7030), the electronic money issuance request means 125 transmits the electronic money issuance request primary data to the mobile center 123 by the mobile-side communication means 129 (S7040). ).

[0525] In the mobile center 123 which has received the electronic money issuance request primary data, the electronic money issuance request relay means 140 transmits the electronic money issuance request from the financial information database 145 to the mobile terminal 12 which has transmitted the electronic money issuance request.
The financial information such as the card number of No. 1 is acquired and added to the primary data of the electronic money issuance request to generate secondary data of the electronic money issuance request, and this is transmitted to the financial institution system by the center side communication means 139 (S7050). ).

[0526] In the financial institution system 124 that has received the electronic money issuance request secondary data, the electronic money issuance processing means 148 accesses the electronic money database 153, and stores the electronic money issue number and the electronic money issue amount in the electronic money database. 153 and (S
7060), and is returned to the mobile center 123 by the financial institution side communication means 147 (S7070).

In the mobile center 123 receiving the electronic money issue number and the electronic money issue amount, the electronic money issuance request relay means 140 issues the electronic money issue number, the issuing financial institution, and the destination mobile terminal to issue the electronic money. While recording in the database 146 (S708)
0), the electronic money issuance number and the electronic money issuance amount are transmitted to the mobile terminal 121 which has transmitted the electronic money issuance request by the center communication means 139 (S7090).

In the mobile terminal 121 that has received the electronic money issue number and the electronic money issue amount, the mobile terminal 121 stores the electronic money issue number and the electronic money issue amount in the mobile storage unit 1.
31 (S7100).

Under the above preparation, when a request for payment by electronic money is made, the electronic commerce terminal 122 activates the electronic money billing means 132. Electronic money billing means 1
32, an electronic money request screen is displayed on the electronic commerce terminal display means 136 (S7110), and the member store salesperson, the member store code, the amount, the payment method, the product code, and the bill code are inputted by the electronic commerce terminal side input means 135. Is input (S7120), and the purchase data is transmitted to the mobile terminal 121 by the electronic commerce terminal side communication means 137 (S7130).

Note that the purchase data can be only the amount of money.

[0531] The mobile terminal 1 that has received the purchase data
In 21, the electronic money payment means 126 displays the purchase data on the mobile side display means 130 and requests the user to input a confirmation (S7140). When the user inputs a confirmation (S7150), the electronic money payment means 126 The authentication information and the mobile terminal telephone number or mobile terminal identification data are added to the electronic money transaction data, and the electronic money payment data is returned to the electronic commerce terminal 122 (S7160).

[0532] In the electronic commerce terminal 122 that has received the electronic money payment data, the authentication means 133 uses the mobile terminal telephone number or mobile terminal identification data in the received electronic money payment data to perform the authentication information generation algorithm. The authentication information of the mobile terminal is calculated, and the calculated authentication information is compared with the authentication information in the received electronic money payment data (S7170).

If the calculated authentication information matches the authentication information in the received electronic money payment data, the authentication means 133 displays a message indicating that the electronic money is true on the electronic commerce terminal side display means 136 (S7180). Then, the received amount of electronic money is stored in the electronic commerce terminal side storage means together with the electronic money issue number (S719).
0).

[0534] In the electronic commerce terminal 122, the electronic money settlement request means 134 is activated for a predetermined time or by a predetermined operation of the electronic commerce terminal, and the electronic commerce terminal storage means 13 is activated.
Then, the received electronic money and the electronic money issue numbers stored in the storage device 8 are transmitted to the mobile center 123 (S720).
0).

[0535] In the mobile center 123 which has received the received electronic money and the electronic money issue numbers, the electronic money settlement request relay means 141 accesses the electronic money issue database 146, and issues the issuer based on each electronic money issue number. Search for financial institutions (S721
0), the center-side communication means 139 transmits the amounts of electronic money requested to be settled and their electronic money issue numbers to the issuing financial institution systems (S7220).

In the financial institution system 124 which receives the amount of electronic money requested to be settled and the electronic money issue number, the electronic money balance checking means 14
9 accesses the electronic money database and checks whether or not the electronic money issue number uses electronic money that exceeds the issued amount (S7230).

[0537] When the electronic money exceeding the issued amount is used, the electronic money balance checking means 149 transmits an unauthorized use message to the mobile center 123 by the financial institution side communication means 147 (S7240). If the electronic money payment request does not exceed the issued amount, the electronic money payment processing means 150
To perform settlement processing for each user's account (S7250).

[0538] In the mobile center 123 when the unauthorized use message is received, the authentication information distributing means 143 abolishes the authentication information generation algorithm and the authentication information used so far, and newly generates the authentication information generation algorithm. The algorithm and the authentication information are distributed to each electronic commerce terminal 122 and each mobile terminal 121 (S7260).

The above is the processing flow of the electronic money system 120.

According to the electronic money system 120,
When the user requests issuance of electronic money, the user's financial information does not circulate on the communication network 6, so that the user's financial information does not leak outside.

Further, the authentication information updated by the mobile center 123 every predetermined time makes it possible to confirm between the user and the member store that they are authorized users of the present system. As a result, the plagiarism of another person's electronic money can be almost completely prevented.

Even if electronic money is used by impersonating another person, the financial institution system 124 checks the amount of electronic money used at any time against the amount of electronic money requested for settlement. If there is, the authentication information and the like are updated quickly, so that it is possible to reliably prevent the damage from spreading.

[0543]

As is apparent from the above description, according to the "electronic financial transaction system" of the present invention, the financial information of the user to be stolen does not circulate on the open network, ie, the communication network. An extremely secure and reliable electronic financial transaction system can be realized.

[0544] Also, since confirmation confirmation communication is performed from the mobile center side to the mobile terminal in response to a transaction request, impersonation of another person by a computer or the like can be prevented. In addition, since authentication is performed using profile data, even if a mobile terminal is stolen, use by anyone other than the user can be prevented.

[0545] Further, for high-value transactions, since the confirmation is made by a person from the call center, it is possible to prevent improper use by impersonating another person.

[0546] As described above, the electronic financial transaction system can be used with any type of communication network, such as the Internet, because it is essentially secure without using communication means. For this reason, an extremely convenient electronic financial transaction system can be realized over a wide range using open communication means such as the Internet.

According to the electronic credit card system of the present invention, card information such as a card number to be stolen does not circulate on a communication network. In addition, by processing such as confirmation communication and daily authentication, it is essentially extremely safe, as in the case of the electronic financial transaction system. Therefore, similar to the electronic financial transaction system, an electronic credit or seed system that can be used safely and in a wide range can be realized.

As described above, the electronic credit or seed system of the present invention can reliably eliminate unauthorized use, so that a credit card can be used even in commerce between remote locations such as mail order. Transaction types can be enabled.

According to the electronic individual product installment system of the present invention,
Similar to the electronic financial transaction system or the electronic credit or seed system, it is possible to eliminate improper use and realize an extremely safe and convenient individual installment installment system.

[0550] Further, since the credit card company's customer information can be used by the credit sales company, the electronic individual item installment system of the present invention can perform an individual item installment transaction very quickly. That is, conventionally, a customer enters all data necessary for a credit check when concluding an individual product installment contract, transmits the data to each credit sales company by fax, etc., and each credit sales company independently issues a customer based on the received fax. This eliminates the time required to enter customer data as compared to the case where a credit check was performed. In many cases, a credit company can use the credit card company's customer information as it is to perform a credit check, so that the time required for the credit check can be significantly reduced. Further, when the credit sales company agrees to enter into an individual product installment contract, the contract can be output immediately from the electronic commerce terminal, so that there is no need to create a contractor.

As described above, it is possible to realize an electronic individual product installment system capable of making a quick individual product installment contract based on a highly reliable customer credit survey.

According to the electronic money system of the present invention, similarly to the electronic financial transaction system and the electronic credit card system, the financial information of the user does not circulate on the communication network. In addition, security is extremely high due to authentication information and collation at financial institutions.

The electronic money system of the present invention can use the same hardware as the above-mentioned electronic financial transaction system, electronic credit card system, etc., and requires an electronic device that requires special equipment such as an IC card or IC card reader. Unlike a money system, an electronic money system with extremely high facility efficiency can be realized without requiring new capital investment.

[Brief description of the drawings]

FIG. 1 is a block diagram showing the configuration and processing flow of an “electronic financial transaction system” of the present invention.

FIG. 2 is a flowchart showing a schematic flow of the entire processing of the “electronic financial transaction system” of the present invention.

FIG. 3 is a diagram showing only the configuration of an electronic credit card system according to the present invention.

FIG. 4 is a flowchart showing a processing flow of the electronic credit card system according to the present invention when only a mobile terminal is used.

FIG. 5 is a block diagram showing the configuration and processing flow of an electronic credit card system according to the present invention when only a mobile terminal is used.

FIG. 6 is a flowchart showing a flow of processing when a commercial transaction is performed by an electronic credit card by communication between a mobile terminal and an electronic commerce terminal.

FIG. 7 is a block diagram showing a configuration and a flow of processing of an electronic credit card system when a business transaction is performed by an electronic credit card by communication between a mobile terminal and an electronic commerce terminal.

FIG. 8 shows a case in which commerce is performed by an electronic credit card by communication between a mobile terminal and an electronic commerce terminal,
The flowchart which showed the flow of a process in the case of confirming again at the member store after the user's confirmation input.

FIG. 9 shows a case in which commerce is performed by an electronic credit card by communication between a mobile terminal and an electronic commerce terminal,
FIG. 4 is a block diagram showing the configuration and processing flow of an electronic credit card system in a case where a user confirms again at a member store after confirmation input.

FIG. 10 is a block diagram showing the configuration and processing flow of an electronic individual product installment system of the present invention in which customer information is provided from a credit card company to a credit sales company.

FIG. 11 is a flowchart showing a processing flow of an electronic individual product installment system of the present invention in which customer information is provided from a credit card company to a credit company.

FIG. 12 is a block diagram showing a configuration and a processing flow of an electronic individual product installment system of the present invention in which customer information is provided from a customer information center to a credit company.

FIG. 13 is a flowchart showing a processing flow of an electronic individual product installment system of the present invention in which customer information is provided from a customer information center to a credit sales company.

FIG. 14 is a block diagram showing the configuration and processing flow of the electronic money system of the present invention.

FIG. 15 is a block diagram showing a processing flow of the electronic money system of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Electronic financial transaction system 2 Mobile terminal 3 Mobile center 4 Financial institution system 5 Call center 6 Communication network 7 Communication line 8 Financial transaction request means 9 Financial transaction confirmation means 10 Daily authentication information management means 11 Non-return warning means 12 Mobile side input means DESCRIPTION OF SYMBOLS 13 Mobile side communication means 14 Mobile side display means 15 Mobile side storage device 16 Financial transaction data storage means 17 Daily authentication information storage means 18 Center side communication means 19 Financial transaction relay means 20 Financial transaction data distribution means 21 Financial transaction authentication means 22 Daily authentication means 23 High-value transaction warning means 24 Non-return message transmitting means 25 Center-side storage device 26 Financial related information database 27 Financial transaction database 28 Profile database 29 Daily authentication information database 30 Financial institution side communication means DESCRIPTION OF SYMBOLS 1 Financial transaction processing means 32 Financial transaction data transmission means 33 Financial transaction side storage device 34 Financial database 40 Electronic credit card system 41 Mobile terminal 42 Mobile center 43 Card company system 44 Electronic commerce terminal 45 Card transaction request means 46 Card use confirmation means 47 Return / return transmission means 48 Mobile side input means 49 Mobile side communication means 50 Mobile side display means 51 Mobile side storage device 52 Card use data storage means 53 Card use result storage means 54 Center side communication means 55 Card use request relay means 56 Card use Data distribution means 57 Return message transmission means 58 Center storage device 59 Card information database 60 Member store database 61 Card usage database 62 Card company communication means 63 Card Cash processing means 64 card use data transmitting means 65 card company side storage device 66 customer database 67 electronic commerce processing means 68 output means 69 electronic commerce terminal side input means 70 electronic commerce terminal side display means 71 electronic commerce terminal side communication means 72 Electronic commerce terminal side storage means 80 Electronic individual product installment system 81 Mobile terminal 82 Mobile center 83 Card company system 84 Credit sales company system 85 Electronic commerce terminal 86 Individual product installment requesting means 87 Mobile side communication means 88 Mobile side display means 89 Mobile side Input means 90 Center side communication means 91 Individual product installment request relay means 92 Center side storage device 93 Card information database 94 Card company side communication means 95 Card company side storage device 96 Individual product installment request processing means 97 Customer database 98 Credit sales Company communication means 99 Individual product installment contract means 100 Credit store company storage device 101 Contract database 102 Credit sales customer database 103 Electronic individual product installment processing means 104 Electronic commerce terminal side input means 105 Electronic commerce terminal side display means 106 Electronic commerce terminal side communication Means 107 Output means 108 Electronic commerce terminal side storage means 110 Individual product installment system 111 Customer information center 112 Customer information center side communication means 113 Individual product installment request processing means 114 Customer information center side storage device 115 Customer database 116 Card information database 120 Electronic Money system 121 Mobile terminal 122 Electronic commerce terminal 123 Mobile center 124 Financial institution system 125 Electronic money issue request means 126 Electronic money payment means 127 Electronic money return means 28 Mobile-side input means 129 Mobile-side communication means 130 Mobile-side display means 131 Mobile-side storage means 132 Electronic money billing means 133 Authentication means 134 Electronic money settlement request means 135 Electronic commerce terminal side input means 136 Electronic commerce terminal side display means 137 Electronics Commerce terminal side communication means 138 Electronic commerce terminal side storage means 139 Center side communication means 140 Electronic money issue request relay means 141 Electronic money settlement request relay means 142 Electronic money return relay means 143 Authentication information distribution means 144 Center side storage device 145 Finance related Information database 146 Electronic money issue database 147 Financial institution side communication means 148 Electronic money issue processing means 149 Electronic money balance check means 150 Electronic money settlement processing means 151 Financial institution side note Storage 152 customer database 153 electronic money database

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) H04Q 7/38 G06F 15/30 C 330 350A H04B 7/26 109M F term (Reference) 5B049 AA05 AA05 BB11 CC05 CC39 DD05 EE05 EE22 EE24 EE26 FF04 GG03 GG04 GG06 GG07 5B055 BB10 BB13 HA01 HA06 HA17 HB07 JJ05 KK01 KK15 5J104 AA07 AA34 KA02 KA06 MA01 NA36 NA38 PA10 PA12 5K067 AA33 BB04 BB21 DD17 DD17 KK58 LL03

Claims (17)

[Claims] 1. A mobile terminal having a mobile phone function, and a mobile center configured to be communicable with the mobile terminal and a financial institution system, wherein the mobile terminal comprises a financial transaction requesting unit and a mobile communication unit. A mobile-side display unit, a mobile-side input unit, and a mobile-side storage device, wherein the mobile center is a center-side communication unit, a financial transaction relay unit, and a finance that stores and manages financial-related information of a user. A center-side storage device having a related information database, wherein the financial institution system has a financial institution side communication means, a financial transaction processing means, and a financial institution side storage having a financial database for storing and managing user's financial data. A financial transaction requesting means of the mobile terminal, wherein the mobile-side display means is provided by a user request. A financial transaction menu is displayed in the row, a user is allowed to input a financial transaction type and a required transaction amount by the mobile side input means, and mobile terminal identification data is added to the input data to generate financial transaction primary data. In the mobile center receiving the financial transaction primary data, the financial transaction relay means transmits the financial transaction primary data to the mobile center by using the mobile terminal identification data received by the center side communication means. Confirmation communication with the mobile terminal shown, and when it is confirmed that the request is a true financial transaction request, the financial related information database is accessed, and the financial related information of the user of the mobile terminal is searched, and this is referred to as the financial transaction. Generate secondary financial transaction data by adding to the primary data, Transmitting the financial transaction secondary data to the financial institution system, and receiving the financial transaction secondary data, the financial transaction processing means accesses the financial database based on the financial transaction secondary data;
An electronic financial transaction system configured to perform data processing of financial transactions. 2. The financial institution system has financial transaction data transmitting means, the mobile center has a financial transaction database in the center side storage device, and has financial transaction data distribution means, and the mobile terminal has A financial transaction data storage unit that stores financial transaction data in the mobile storage device, and a financial transaction confirmation unit. In the mobile center receiving the transaction data and transmitting the financial transaction data to the mobile center by the financial institution side communication means, and receiving the financial transaction data, the financial transaction database stores the financial transaction data and distributes the financial transaction data. Means for accessing said financial transaction database for each user's financial transaction In the mobile terminal that has obtained the data, distributed these financial transaction data to each mobile terminal, and received the financial transaction data, the financial transaction data storage unit stores the financial transaction data, and performs the financial transaction by a predetermined operation. 2. The electronic financial transaction system according to claim 1, wherein the transaction confirmation unit retrieves the financial transaction data from the financial transaction data storage unit and displays the financial transaction data on the mobile-side display unit. 3. The mobile center has a profile database in the center-side storage device and has a financial transaction authentication unit, and the financial transaction authentication unit is configured to perform authentication for a financial transaction from the financial transaction relay unit. Upon receiving the request, the profile database is searched for the profile data of the user of the mobile terminal that made the financial transaction request, question data for some of the randomly selected profile data is created, and the In the mobile terminal which has transmitted the question data to the mobile terminal, the financial transaction requesting means displays the question data on the mobile side display means and allows the user to input answer data through the mobile side input means. The response data is transmitted by the mobile side communication means. The transmitted to a mobile center, in the mobile center which has received the answer data,
The financial transaction authentication unit compares the response data with the profile data, and sends a signal indicating that the financial transaction request is true to the financial transaction relay unit when they match, the financial transaction relay unit determines that the financial transaction request is The electronic financial transaction system according to claim 1, wherein the financial transaction secondary data is generated on condition that a true signal is input. 4. The mobile center has a daily authentication information database in the center side storage device and a daily authentication unit, and the mobile terminal has a daily authentication information storage unit in the mobile side storage device. And having daily authentication information management means, wherein the daily authentication means generates different daily authentication information for each mobile terminal, and for each day, and stores the same in the daily authentication information database. In the mobile terminal that has been delivered to each mobile terminal by the center side communication means and has received the daily authentication information,
The daily authentication information storage means stores the daily authentication information, and the daily authentication information management means stores the daily authentication information from the daily authentication information storage means when the user makes a financial transaction request. The financial transaction primary data is acquired and added to the financial transaction primary data, and transmitted to the mobile center by the financial transaction requesting means. At the mobile center receiving the financial transaction primary data, the daily authentication means sets the financial transaction primary data Extract daily authentication information and mobile terminal identification signal from data,
Accessing the daily authentication information database and collating the daily authentication information, transmitting a signal that the financial transaction request is true to the financial transaction relay means when the daily authentication information and the mobile terminal identification signal are correct, 4. The financial transaction relay means according to claim 1, wherein the financial transaction relay means generates the financial transaction secondary data on condition that a signal indicating that the financial transaction request is true is received from the daily authentication means. Electronic financial transaction system as described. 5. The high-value transaction warning means for displaying the contents of a financial transaction on a display screen of a call center when the amount of the financial transaction exceeds a certain value. 5. The electronic financial transaction system according to any one of claims 1 to 4. 6. The return message means for detecting that the mobile terminal has been charged or detecting that the mobile terminal has not been charged for a predetermined time, and automatically transmitting a return message to the mobile center. The electronic financial transaction system according to any one of claims 1 to 5, wherein the mobile center has return message transmission means for automatically transmitting the return message to a registered mail address of a user. . 7. A mobile terminal having a mobile phone function, a mobile center capable of communicating with the mobile terminal and a member store of an electronic credit card, and a card company system capable of communicating with the mobile center. Has a card use requesting means, a mobile side communication means, a mobile side display means, and a mobile side input means, wherein the mobile center comprises a center side communication means, a card use request relay means, A center-side storage device having a card information database for storing and managing card information and a member store database for storing and managing member store information, wherein the card company system includes a card company side communication means,
A card company-side storage device having a customer database for storing and managing a customer's card use status; and card transaction processing means; the card use request means of the mobile terminal is activated by a user operation, and the mobile-side display is performed. Means to display an input screen for use of the card, prompt the user to enter purchase data including the member store code, amount, payment method, product code, bill code, and add mobile terminal identification data to the purchase data. Generate card use primary data, transmit it to the mobile center by the mobile side communication means, and at the mobile center receiving the card use primary data, the card use request relay means sets the member store code to the Confirm the registered merchant from the merchant database and check the card information data Get the card information of the mobile terminal from the over scan, generate a card use secondary data in addition to the card used primary data,
This is transmitted to the card company system by the center side communication means, In the card company system receiving the card use secondary data, the card transaction data processing means,
Access the customer database, determine whether the card can be used, if the card can be used, assign an approval number to create card use approval data, and send it to the mobile center by the card company side communication means In the mobile center that has transmitted and received the card use approval data, the card use request relay unit transmits the card use approval data to the affiliated store and the mobile terminal when necessary. Electronic credit card system. 8. The member store has an electronic commerce terminal, wherein the electronic commerce terminal includes electronic commerce processing means, electronic commerce terminal side input means, electronic commerce terminal side display means,
An electronic commerce terminal side communication means, an output means, and an electronic commerce terminal side storage means, wherein the electronic commerce terminal, when a request for using an electronic credit card is issued, the electronic commerce processing means, The purchase data input screen is displayed on the display unit on the commerce terminal side, and the member store salesperson is allowed to input purchase data including the member store code, the amount, the payment method, the product code, the bill code by the input unit on the electronic commerce terminal side, The purchase data is transmitted to the mobile terminal by the electronic commerce terminal side communication means, and in the mobile terminal receiving the purchase data, the card use request means displays the purchase data by the mobile side display means. Requesting the user to enter a confirmation, and when the confirmation of the user is entered, the mobile terminal identification data is included in the purchase data. In the mobile center that has received the card use primary data, the card use request relaying means transmits the card use primary data to the mobile center by the mobile terminal side communication means. Confirming that the member store code is a registered member store using the member store database, searching the card information database for the card information of the mobile terminal, adding this to the card use primary data, and using the card use secondary data. Data is generated and transmitted to the card company system by the center side communication means.In the card company system receiving the card use secondary data, the card transaction processing means accesses the customer database. To determine if the card can be used, and A card use approval data is generated with a number, transmitted to the mobile center by the card company side communication means, and in the mobile center receiving the card use approval data, the card use request relay means And transmitting the card use approval data to the electronic commerce terminal and, if necessary, to the mobile terminal by the center side communication means. 9. The electronic commerce terminal, when receiving a request to use an electronic credit card, provides a member store salesperson with a member store code, an amount, a payment method, a product code, and a bill using the electronic commerce terminal side input means. The purchase data including at least a part of the code is input, the purchase data is transmitted to the mobile terminal by the electronic commerce terminal side communication means, and in the mobile terminal receiving the purchase data, the card use request means, The mobile-side display means displays the purchase data and requests a user to input a confirmation, and when the confirmation of the user is input, adds mobile terminal identification data to the purchase data to generate primary card use data. And returns it to the electronic commerce terminal by the mobile communication means, and receives the card use primary data In the e-commerce terminal, the e-commerce processing means displays the card use primary data received by the e-commerce terminal side display means, and inputs the confirmation to the member store salesperson and when there is a remaining part in the purchase data. Requests the input of the remaining purchase data, and if there is a confirmation input of the member store salesperson via the electronic commerce terminal side input means, the card use by the electronic commerce terminal side communication means. 9. The transmission of primary data to the mobile center.
Electronic credit card system according to the item. 10. In the mobile center receiving the card use primary data, the card use request relay means performs confirmation communication with the mobile terminal indicated by the mobile terminal identification data by the center side communication means, and uses the true card use. 10. The electronic credit card system according to claim 7, wherein a process of generating card use secondary data is performed when the request is a request. 11. The card company system has a card use data transmitting unit, the mobile center has a card use database in the center side storage device, and has a card use data distribution unit, and the mobile terminal Has card usage data storage means in the mobile side storage device and has card usage confirmation means, and the card usage data transmission means of the card company system acquires card usage data of each user at regular intervals. In the mobile center that has transmitted to the mobile center by the card company side communication means and received the card usage data, the card usage database stores the card transaction data, and the card usage data distribution means includes Access to the usage database and each user The card usage data is obtained, the card usage data is distributed to each mobile terminal, and the mobile terminal that has received the card usage data stores the card usage data in the card usage data storage unit and checks the card usage data. 11. The device according to claim 7, wherein the card use data storage unit retrieves the card use data by a predetermined operation, and displays the card use data by the mobile side display unit.
Electronic credit card system according to any of the above. 12. The mobile terminal has card use record storage means for storing the use record of its own electronic credit card in the mobile storage device. 12. The method according to claim 11, wherein when the usage data is received, the received card usage data is compared with the electronic credit card usage history stored in the card usage history storage means, and a verification result is output. Electronic credit card system. 13. The return message means for detecting that the mobile terminal has been charged or detecting that the mobile terminal has not been charged for a certain period of time, and automatically transmitting a return message to the mobile center. 13. The electronic credit card system according to claim 7, wherein said mobile center has return message transmission means for automatically transmitting said return message to a registered mail address of a user. . 14. A mobile terminal having a mobile phone function,
An e-commerce terminal capable of communicating with the mobile terminal, a mobile center capable of communicating with the mobile terminal or the e-commerce terminal, a card company system capable of communicating with the mobile center, and communicating with the card company system and the mobile center Comprising a possible credit sales company system, wherein the mobile terminal has an individual product installment requesting means for requesting the use of individual product installment, a mobile communication device, a mobile display device, and a mobile input device, The electronic commerce terminal includes electronic individual product installment processing means, electronic commerce terminal side input means, electronic commerce terminal side display means, electronic commerce terminal side communication means, output means, and electronic commerce terminal side storage means. The mobile center includes a center-side communication unit, an individual product installment request relay unit, and a card information of each user. Anda center storage device having a card information database for storing and managing, the card company system, the card company side communication means,
A card company-side storage device having a customer database for storing and managing customer information; and an individual product installment request processing means, wherein the credit company system includes a credit company communication device, an individual product installment contracting device, and a contract database. And a credit sales company side storage device having a credit sales customer database, wherein the electronic commerce terminal displays the electronic commerce terminal side display when the electronic individual product installment request is received. Means to display a purchase data input screen, and let the member store salesperson input at least a part of the purchase data including the member store code, the amount, the payment method, the product code, the invoice code by the electronic commerce terminal side input means, The purchase data is transmitted to the mobile terminal by the electronic commerce terminal side communication means, and in the mobile terminal receiving the purchase data, The installment requesting means displays the purchase data by the mobile side display means, requests the user to input data necessary for the individual product installment contract, and adds the mobile terminal identification data when the user input is completed. Generate individual installment primary data, return it to the e-commerce terminal, in the e-commerce terminal that has received the individual installment primary data, the individual installment processing means, the e-commerce terminal side display means Displays the individual installment primary data, requests the member store salesperson to enter a confirmation and, if there is a remaining part in the purchase data, to input the purchase data of the remaining part, and the e-commerce terminal side If there is a confirmation input of the member store salesperson via the input means, by the electronic commerce terminal side communication means, to send the individual installment primary data to the mobile center, In the mobile center that has received the individual product installment primary data, the individual product installment request relay unit accesses the card information database, searches for card information of the mobile terminal, and stores the card information in the individual product installment primary data. In the card company system that has received the individual installment secondary data by generating the individual installment secondary data by adding to the card company system, the individual installment request processing means, Accessing the customer database, searching for customer information corresponding to the card information included in the individual installment secondary data, and replacing the card information of the individual installment secondary data to generate individual installment tertiary data. This is transmitted to the credit company system by the card company side communication means, and the credit company system receiving the individual product installment tertiary data is transmitted. In the system, the individual product installment contracting means accesses the credit customer database if necessary based on the customer information in the tertiary data for individual product installment and obtains the corresponding credit customer information. Judge whether the contract is acceptable or not, and when it is judged that an individual installment contract is possible, create contract data and register it in the contract database, and transfer the contract data to the mobile center by the credit company communication means. In the mobile center that has transmitted and received the contract data, the individual product installment request relay unit transmits the contract data to the electronic commerce terminal by the center side communication unit, and the electronic device that receives the contract data In the commercial transaction terminal, the electronic individual product installment processing means outputs a contract for individual product installment by the output means. Electronic individual product installment system, wherein the door. 15. A mobile terminal having a mobile phone function,
An e-commerce terminal capable of communicating with the mobile terminal, a mobile center capable of communicating with the mobile terminal or the e-commerce terminal, a customer information center capable of communicating with the mobile center, and communicating with the customer information center and the mobile center Comprising a possible credit sales company system, wherein the mobile terminal has an individual product installment requesting means for requesting the use of individual product installment, a mobile communication device, a mobile display device, and a mobile input device, The electronic commerce terminal includes electronic individual product installment processing means, electronic commerce terminal side input means, electronic commerce terminal side display means, electronic commerce terminal side communication means, output means, and electronic commerce terminal side storage means. The mobile center includes a center-side communication unit, an individual product installment request relay unit, and a center-side storage device. The customer information center has a customer information center side communication means, a card information database for storing and managing card information of each user, and a customer database for centrally storing and managing customer information of each card company. The credit company system comprises a credit company communication device, an individual product installment contracting device, a contract database and a credit customer database. The electronic commerce terminal, when there is a request for electronic individual product installment, the individual product installment processing means, the electronic commerce terminal side display means to display a purchase data input screen, the member store At least the purchase data including the member store code, the amount, the payment method, the product code, and the bill code are input to the salesperson by the electronic commerce terminal side input means. Section, the purchase data is transmitted to the mobile terminal by the electronic commerce terminal side communication means, and in the mobile terminal receiving the purchase data, the individual item installment requesting means is transmitted by the mobile side display means. The purchase data is displayed to request the user to input data necessary for the individual product installment contract, and when the user input is completed, the mobile terminal identification data is added to generate individual product installment primary data, and Returned to the e-commerce terminal, in the e-commerce terminal that received the individual installment primary data, the individual installment processing means, the e-commerce terminal side display means to display the individual installment primary data, A request is made to the member store salesperson to input a confirmation and, if there is a remaining part in the purchase data, to input the purchase data of the remaining part. If there is a confirmation input of the member store salesperson via the cashing terminal side input means, by the e-commerce terminal side communication means, the individual item installment primary data is transmitted to the mobile center, and the individual item installment primary data is In the received mobile center, the individual product installment request relay means transfers the individual product installment primary data to the customer information center, and the customer information center that has received the individual product installment primary data, The product installment request processing means searches the card information database and the customer database for customer information corresponding to the mobile terminal identification data, and adds the customer information to the individual product installment primary data to generate individual product installment secondary data. Generate and transmit this to the credit company system by the customer information center side communication means, and receive the individual installment secondary data In the credit company system, the individual product installment contract means, based on customer information in the secondary product installment secondary data, if necessary, accesses the credit customer database to obtain the corresponding credit customer information, Judgment of the contract by these customer information, if it is determined that an individual installment contract is possible, create contract data and register it in the contract database, and the contract data by the credit company side communication means In the mobile center transmitting to the mobile center and receiving the contract data, the individual product installment request relay unit transmits the contract data to the electronic commerce terminal by the center side communication unit, and the contract data is transmitted. In the received electronic commerce terminal, the electronic individual product installment processing means outputs the individual product installment contract by the output means. Electronic individual commodity installment system for outputting a write, characterized in that. 16. In the mobile center, when receiving the individual product installment primary data, the individual product installment request relay means performs confirmation communication with the mobile terminal indicated by the mobile terminal identification data by the center side communication means. And generating the individual installment secondary data when it is confirmed that the request is a true individual installment request.
6. The electronic individual component installment system according to 5. 17. A mobile terminal having a mobile phone function,
An e-commerce terminal equipped with a member store capable of communicating with the mobile terminal, a mobile center capable of communicating with the mobile terminal and the e-commerce terminal, and a financial institution system capable of communicating with the mobile center, wherein the mobile terminal Electronic money issuing request means, electronic money payment means, electronic money return means, mobile communication means, mobile storage means, mobile display means, and mobile input means. The terminal includes an electronic money billing unit, an authentication unit, an electronic money settlement request unit, an electronic commerce terminal side communication unit, an electronic commerce terminal side storage unit, an electronic commerce terminal side display unit, and an electronic commerce terminal side input unit. The mobile center includes a center-side communication unit, an authentication information distribution unit, and a joint during an electronic money issuance request. Electronic money settlement request relay means, electronic money return relay means, a financial information database for storing and managing financial information of each user, an electronic money issue number, an issuer financial institution, and an issue destination mobile terminal. A center-side storage device having an electronic money issuance database; and the financial institution system has a financial institution-side storage device having a customer database and an electronic money database recording electronic money issuance and return; It has an issuance processing means, an electronic money balance checking means, an electronic money settlement processing means, and a financial institution side communication means, wherein the authentication information distribution means of the mobile center is randomly arranged before the start of the electronic money processing. Select a predetermined authentication information generation algorithm and enter the phone number or mobile terminal identification data of each mobile terminal. The mobile terminal that has generated the individual authentication information corresponding to the above, and distributed the authentication information to each mobile terminal and the authentication information generation algorithm to the electronic commerce terminal by the center side communication means, respectively, and received the authentication information. In
The authentication information is stored by the mobile storage means,
When requesting the issuance of electronic money, the electronic money issuance requesting means displays an electronic money issuance request screen on the mobile side display means, and inputs the electronic money issuance request primary data including the amount of electronic money to the user. The mobile-side communication means transmits the electronic money issuance request primary data to the mobile center, and the electronic money issuance request relay means transmits the electronic money issuance request from the financial information database to the mobile center. Obtains financial related information of the mobile terminal that has issued the money issuance request, adds it to the electronic money issuance request primary data to generate electronic money issuance request secondary data, and uses the center side communication means to send the data to the financial institution system. To the financial institution that has received the electronic money issuance request secondary data. In the system, the electronic money issuance processing means accesses the electronic money database, records the electronic money issue number and the electronic money issuance amount in the electronic money database, and returns the electronic money to the mobile center by the financial institution communication means. In the mobile center receiving the electronic money issue number and the electronic money issue amount, the electronic money issuance request relay unit stores the electronic money issue number, the issuing financial institution, and the destination mobile terminal in the electronic money issue. While recording in the issue database, the electronic money issue number and the electronic money issue amount are transmitted to the mobile terminal that transmitted the electronic money issue request by the center side communication means, and the electronic money issue number and the electronic money issue amount are received. In the mobile terminal, the electronic device The mobile side storage means stores the electronic money issuing number and the electronic money issue amount, and when there is a request for payment by electronic money, the electronic commerce terminal activates the electronic money claiming means, and Displays an electronic money claim screen on the electronic commerce terminal side display means, and allows the member store salesperson to enter the member store code, amount,
Payment method, product code, at least a part of the purchase data including the bill code is input, the purchase data is transmitted to the mobile terminal by the e-commerce terminal side communication means, the mobile terminal that has received the purchase data The electronic money payment means displays the purchase data by the mobile side display means and requests the user to input a confirmation; and when the user inputs a confirmation, the authentication information and the mobile information are included in the purchase data. In the e-commerce terminal receiving the e-money payment data, adding the terminal telephone number or the mobile terminal identification data to the e-commerce terminal as electronic money payment data, and receiving the e-money payment data, Using the mobile terminal phone number or mobile terminal identification data in the data The authentication information of the mobile terminal is estimated by the authentication information generation algorithm, the estimated authentication information is compared with the authentication information in the received electronic money payment data, and if they match, the electronic commerce terminal side display means displays the electronic money. Is displayed, and the amount of the received electronic money is stored by the electronic commerce terminal side storage means together with the electronic money issue number, and the electronic commerce terminal is operated for a predetermined time or by a predetermined operation of the electronic commerce terminal. The electronic money settlement requesting means is activated and sends the received electronic money and their electronic money issue numbers stored in the electronic commerce terminal side storage means to the mobile center, and sends the received electronic money and their electronic money issue numbers to the mobile center. In the received mobile center, the electronic money settlement request relay means is The electronic money issuance database is accessed, the issuing financial institution is searched based on each electronic money issuing number, and the amount of electronic money requested to be settled to each issuing financial institution system by the center side communication means and the electronic moneys are calculated. In the financial institution system that has transmitted the issue number and the amount of electronic money requested for settlement and the electronic money issue numbers, the electronic money balance checking means accesses the electronic money database. The electronic money issue number is checked for the use of electronic money exceeding the issued amount. If the electronic money is used exceeding the issued amount, the financial institution-side communication means sends the unauthorized use message to the mobile center and the mobile center. If it is a payment request for electronic money that is transmitted to the mobile terminal and does not exceed the issued amount, The electronic money payment processing means accesses the customer database, performs payment processing for each user's account, and in the mobile center when the unauthorized use message is received, the authentication information distribution means, An electronic money system, wherein the used authentication information generation algorithm and authentication information are abolished, and the newly generated authentication information generation algorithm and authentication information are distributed to each electronic commerce terminal and each mobile terminal.