JP2001109835A - Reception substitution system for on-line transaction - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a reception substitution system for money which is suitable as a payment means, specially, for Internet transaction by making good use of a convenience store network, etc. SOLUTION: A server at a web site sends charging backup information including an identifier unique to the whole system at a request made by a customer. The customer prints or displays the charging backup information on the screen of a portable information terminal as a charging backup means, and then carries and it to a store to pay cash, etc., by using a paying means. Transaction data are exchanged between the reception substitute and the seller by using an HTTP means.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system for storing money, etc., which is particularly suitable as a means for settlement of transactions using the Internet.

[0002]

2. Description of the Related Art Conventionally, in transactions using the Internet, a customer transmits his / her own credit card number, and a merchandise distributor or the like uses the credit card number to debit the customer's credit card account to use the credit card account to make a sale. The settlement method is mainly used. However, users of transactions have a strong psychological resistance to sending personal information such as credit card numbers to others, even if they use encryption means, and this has led to the spread of transactions using the Internet. Has been hindered.

[0003] On the other hand, from the viewpoint of using convenience stores having a large number of store networks as simple storage means, storage agency services such as so-called public charges, trading prices, insurance premiums, and the like are common. In this case, a bill or equivalent (hereinafter referred to as “claim backing”) is sent to the payer from the collector of the utility bill, trading value, insurance premium, etc., and the payer stores the backing of the claim. If you use the payment method such as cash, check, bill, credit, deposit and deposit withdrawal request at the same time, the storage agent secures the half or copy of the backing of the request, and the other half or the original has been transferred. As a proof, a seal was given and returned to the payer, thereby completing the payment act.

[0004] Further, with the spread of mobile phones and enhancement of functions such as conversion to Internet compatible terminals, online sales using mobile information terminals such as i-mode (trade name) compatible mobile phones have been started. At present, credit and cash on delivery are the mainstream.

[0005]

[Problem to be solved] In the conventional storage agency system using a convenience store, the collection agency backs up the collection fee when the storage agency collects the fee, trading price, and offer price from individuals, such as transactions, service provision, and utility charges. In addition to the statement of the transaction and the contents of the transaction, information indicating the paying entity (often identifying the customer) will be disclosed, and the personal information will be known to the third party storage agent. There was a problem. Therefore, it is not sufficient in terms of protection of personal information to use a conventional storage agent system as a settlement means for transactions using the Internet or the like. Therefore, the present invention provides a storage agency system that utilizes a convenience store network that is convenient for customers, but does not disclose the transaction contents and personal information to the storage agent, and is easy to use as a settlement means for Internet transactions. Aim.

Conventionally, information transmission rules for electronic data exchange include standards such as the Zengin procedure established by the Federation of Bankers Associations, but are difficult to use for real-time data exchange via the Internet. Met.
Therefore, another object of the present invention is to provide an open sales contract order receiving system that can be processed in real time on the Internet.

As a means of online sales using a portable information terminal, there is also a method of displaying the contents of an order in characters or the like on the screen of the portable information terminal and confirming it at a store. There is a disadvantage that complicated work such as inputting the content displayed on the mobile phone from the keyboard occurs.

[0008]

SUMMARY OF THE INVENTION The present invention relates to a storage agent system for storing, for example, merchandise sales, service provision, and utility charges from customers by an agent having an online management system and a store network. In response to a request from a customer, billing backing information including a unique identifier for the entire system is transmitted, and the billing backing information is presented at the store,
The first problem is solved by a storage agency system characterized in that payment is considered to have been made when the payment means is exercised, and payment information is input to an online management system.

The present invention also provides a method for exchanging data between a server for receiving orders connected to an open communication network and a server of a distributor or a storage agent when a sales contract is received.
The above-mentioned second problem is solved by a storage substitution system characterized in that the storage is performed in real time using TTP means.

[0010] HTTP is widely used as a communication means between a server and a client on the Internet, and a technique is known in which a client performs data processing on a server by specifying a special file in a transmission request. ing. Therefore, by causing a server to automatically execute a series of processes for transmitting necessary data to a predetermined terminal by an operation from a customer terminal, real-time transaction data exchange becomes possible.

[0011] The present invention further provides a storage agent system for directly inputting transaction information into an online management system by directly reading the barcode image displayed on the screen of the portable information terminal of the customer with an optical reading means. To solve the problem.

[0012]

Embodiment 1 FIG. 1 shows an example of a trading value storing and acting system utilizing the present invention. Reference numeral 1 denotes a customer terminal device, for example, a personal computer device having a web browsing function, and preferably further including a printer device 1a. Reference numeral 2 denotes a web site for receiving orders, and a service generally called a virtual shopping site is provided. Reference numerals 3 and 4 denote a management server and a database of the storage agent, which are connected to the store terminal device 5 provided in each store, preferably by a dedicated communication line. The store terminal device 5 includes an optical reading device 5a and a printing device 5b.
It is preferable to have In this embodiment, the storage agent is a convenience store, and the POS cash register equipment of each store can be used as the store terminal device 5. Reference numeral 6 denotes a terminal device of a merchandise seller. In this embodiment, the terminal device 6 is a management server of a trader, and a database 7 is connected.

Although the operation mode of the web site 2 is various, in this embodiment, it is provided in the management system of the seller. The virtual shopping site is stored in the storage device of the server 6 and transmitted in response to a request from the portable information terminal.
The simplest example includes a product selection page 2a, a purchase application page 2b, an application confirmation page 2c, and a payment request slip display page 2d. In this case, the HTML pages 2a and 2c are provided with link means to the pages 2b and 2d, respectively. Further, a page 2e (see FIG. 2) for selecting a store to be delivered may be further provided.

[0014] The connection between 1 and 2 and between 2 and 3 and 6 is connected via an open communication network such as the Internet. Therefore, in order to prevent leakage and falsification of transaction data and “spoofing” on the Internet,
It is desirable to take security measures such as encrypted communication using L and digital signature authentication.

[0015]

FIG. 2 shows a processing flow of the present system. The customer who wants to purchase the product connects to the virtual shopping site in the website 2 using the web browser, selects the product to be purchased on the product selection page 2a, and uses the application form embedded in the purchase application page 2b. And sends a purchase application to the server 6. In response, the server 6 proposes a unique identifier for the entire system, and displays the payment request form display page 2d. The server 6 stores all information including information for order confirmation processing in a database 7.
And the server 3 writes necessary information therein to the database 4.

The server 6 further transmits a purchase confirmation page 2c having link means to the payment request form display page 2d to the customer terminal device, thereby enabling the customer to access the payment request form page 2d. Note that some sellers need to check the inventory status before contracting, so they do not immediately display the payment request form, temporarily accept the order, and after confirming the inventory, formally send an email from the seller to the customer. The answer and the URL of the payment request form display page can also be transmitted. In this case, the customer's e-mail address needs to be registered in the database 7 in advance by the dealer terminal device 6.

The proposed identifier must not be one that can easily guess the transaction details, etc., and can be extended to maintain uniqueness even when the system includes a plurality of sites, distributors, etc. The format is desirable. As a result, the transaction contents and the like do not need to be described in the payment request form, and this information can be prevented from being known to the storage agent. Further, if an encryption code generated from an identifier, a payment amount, or the like is additionally described, it is possible to prevent data tampering by a customer. Although not described in detail, it is desirable that the virtual shopping site further provide a means for canceling the purchase application and a means for changing the application content.

FIG. 3 shows an example of the payment request form display page 2d display screen displayed on the screen of the customer terminal device 1 after confirming the application. 10 is the entire payment request form, 11 is a barcode image indicating an identifier and an encryption code, 12 is an identifier and an encryption code number, 13 is a purchase application date, 14 is a payment amount, 15 is a seller name, and 16 is a seller name. This is the name of the storage agent. In this embodiment, since the merchandise is delivered at the store, the display of the store name 17 and the store telephone number 18 is further included.

Payment request slip display page 2 on customer terminal device 1
When d is displayed, the customer prints the display image using the print function of the web browser, or notes the identification code number, and presents it to the store where payment is desired, and simultaneously presents it. Exercise payment methods such as cash, checks, bills, credits, and deposit and debit requests. At the store, the clerk reads the barcode displayed on the payment request slip 10 presented by the optical reading device 5a of the POS register, or inputs the number from the keyboard to input the identifier to the store terminal device 5, and manages the barcode. Send it to server 3. The settlement data is returned from the management server 3, and if the payment is appropriate, the clerk prints a commodity exchange slip (not shown in the case of other than over-the-counter delivery) on the printing device 5b and hands it over to the customer for storage. Complete.

When the payment is confirmed, the management server 3 erases the data to be stored in the database 4 and simultaneously notifies the seller terminal device 6 of the payment by the HTTP means. Thus, the seller confirms that the storage is completed. As a means of notifying the seller, transmission may be performed after waiting for a transmission request from the seller terminal device 6,
In addition to the HTTP means, an electronic mail means can be used.

In this embodiment, since the convenience store is also used as the delivery point of the product, the seller can send the product together with a delivery note (not shown) indicating the identifier to the same store or another store designated by the customer. Ships. The customer can exchange the commodity exchange slip for the commodity at the desired store at a later date. At this time, it is not necessary to notify the contents of the product, and the delivery is performed by comparing the identifier of the product exchange slip and the delivery note. Prepayment as in the present embodiment has the advantage that the delivery of the product can be prevented from being wasted, but a system in which the product is delivered to the store where the product is to be delivered and delivered at the same time as storing the price may be used. In this case, the delivery note is compared with the identifier of the payment request slip. In the above-described embodiment, the case of storing the price of the product sales contract is described. However, the present system can also be used for storing the price of the service providing contract and storing the utility charges.

[0022]

Embodiment 2 FIGS. 4 and 5 show an example of a system for storing and selling money by using a portable information terminal for delivery of an identifier. Reference numeral 1 denotes a portable information terminal of a customer, for example, an i-mode compatible mobile phone, which can communicate with a server device of the website 2 via a mobile communication network, the Internet, or the like. A customer who wants to purchase a product connects to the virtual shopping site in the website 2 using the web browser function of the portable information terminal 1, selects a product to be purchased on the product selection page 2a, and then enters the purchase application page 2b. The purchase application is transmitted to the server 6 using the embedded application form. In response, the server 6 or 3 proposes a unique identifier for the entire system, transmits the identifier to the portable information terminal 1, and performs the same processing as in the first embodiment on the databases 4 and 7.

The server 6 transmits the purchase confirmation page 2c to the customer terminal device, and after receiving the customer confirmation, transmits the payment method selection page 2e to the customer. When store payment is selected from the menu of the payment method selection page 2e, the identifier transmitted from the server is displayed on the screen as a barcode image (payment request form display page 2d). When the payment request form display page 2d is displayed on the screen of the portable information terminal 1, the customer
The display contents are saved using the screen saving function of the web browser, the portable information terminal 1 is brought to the store where payment is desired, and presented, and at the same time, the payment means is exercised. At the store, the clerk operates the presented portable information terminal 1 and reads the barcode displayed on the screen with the hand scanner (optical reading device) 5a of the POS register to input the identifier to the store terminal device 5.

[0024]

[Effect] With this storage agent system, customers can easily pay for the transaction at the virtual shopping site at the nearest convenience store, and there is no need to disclose personal information to the agent. It has the benefit of being able to maintain anonymity with respect to online transactions.
The storage agent can diversify services by utilizing the existing online system and store network. Since the seller can send out the product after confirming the fee storage, it is possible to avoid the risk of refusal of receipt by the customer and the risk of nonpayment of the fee, and it is possible to expect an increase in sales by increasing the number of sales methods. Further, by using the HTTP means in the order receiving system, information can be promptly and safely transmitted to a seller or the like, and the work of the customer can be reduced. There is also an advantage that general-purpose software can be used.

If a mobile phone is used as the means for transferring the identifier, the customer does not need to write down the identification code number or print out the payment request slip, and the processing can be performed paperlessly. There is also less risk of tampering or spoofing.
Furthermore, if an input method of directly reading the display screen of the mobile phone with the hand scanner is adopted, the code input from the keyboard becomes unnecessary, and the work at the cash register can be reduced, so that the operation at the store is easy.

[Brief description of the drawings]

FIG. 1 shows a configuration in a case where a storage agency system according to a first embodiment is used for payment of a product sales price.

FIG. 2 shows a flow of data processing in a second embodiment.

FIG. 3 shows an example of a payment request form of the present invention.

FIG. 4 illustrates a configuration of a storage agency system according to a second embodiment.

FIG. 5 shows a flow of data processing in a second embodiment.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Customer terminal device 2 Order receiving server 3 Management server 5 Store terminal device 5a Optical reading device 6 Distributor terminal device 11 Barcode image

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Claims (4)

[Claims] Claims: 1. A storage agent system for storing, for example, merchandise sales, service provision, and utility charges from a customer by an agent having an online management system and a store network, the system responding to a request from the customer. Transmit billing support information including a unique identifier for the whole, present the billing support information at the store, and enter the payment information into the online management system assuming that payment was made when the payment instrument was exercised A storage agency system characterized by the following. 2. The storage agency system according to claim 1, wherein the billing backing information includes a bar code display of an identifier, and the store terminal device has optical reading means. 3. A storage system characterized in that data exchange at the time of contract order between a server for receiving orders connected to an open communication network and a server of a distributor or a storage agent is performed in real time using HTTP means. Agency system. 4. A storage agent system, wherein payment information is input to an online management system by directly reading a barcode image displayed on a screen of a portable information terminal of a customer by optical reading means of a store.