JP2001117984A - Electronic account settling system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an electronic account settling system capable of easily and safely settling the accounts while specifying an individual. SOLUTION: A WWW server 21 accepts order data containing ordered contents and a portable telephone number from a client 10, prepares order confirmation data containing the inquiry sentence of whether or not the ordered contents, a price and an order are approved as character data and transmits these data through a communication line to a portable telephone company 30 together with the portable telephone number. The portable telephone company 30 accepts the order confirmation data through a control means 31, dials a portable telephone 12 of the client 10 from a telephone exchange means 32 corresponding to the instruction of the control means 31, converts the character data of the order confirmation data to voices through a synthetic voice generating means and transmits them through a portable telephone line 5. When the order is approved, the charge of the ordered contents is added to the charges of the portable telephone 12 of the client 110 by a charge account settling means 33.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic payment system for purchasing goods on a network such as the Internet.

[0002]

2. Description of the Related Art In recent years, sales of goods and provision of services through the WWW (World Wide Web) of the Internet have become active. When a customer purchases a product in such online shopping, there is a method in which a credit card number input by the customer is transmitted over the Internet to make a payment.

[0003] As a simple payment method using telephone charges, an information provider provides a program (paid information service) and a telephone company collects information charges on behalf of the information provider. There is known a system in which a telephone company adds a charge for providing information and connecting to the Internet to a telephone charge, and the telephone company collects money from a customer.

[0004]

However, in the above-mentioned settlement method using a credit card, it is necessary to pass important personal information such as a credit card number to an Internet communication network, which is a problem in terms of security. was there. Even if you take measures such as encrypting your card number, it is difficult for customers on the Internet to determine whether the ordering party is a trustworthy partner that does not abuse your credit card number There was a problem.

In a system in which the telephone company collects information charges as described above, the charges are collected on a telephone line contract basis, so that several families or the like use one line. In the general case, the individual could not be identified, and the responsibility for paying the fee was unclear.

[0006] The present invention has been made to solve the above problems, and has as its object to provide an electronic payment system capable of specifying individuals and performing payment easily and safely.

[0007]

According to the electronic settlement system of the present invention, there is provided an order receiving means for receiving order data including a customer's order content and a mobile phone number, and a customer's mobile phone number. Telephone exchange means, an order confirmation means for confirming the contents of an order to a customer by a mobile phone, and a charge settlement means for adding a charge of the order contents to a telephone charge of the customer. Therefore, it is possible to specify the individual and easily and safely pay the fee.

[0008] According to the electronic settlement system of the second aspect of the present invention, the order data is transmitted through the communication line.
A wired or wireless communication line can be used. Also, by using a standard protocol such as TCP / IP, it is possible to easily order goods and services on the WWW of the Internet.

According to the electronic settlement system of the third aspect of the present invention, the order confirmation means includes the synthetic voice generating means. Therefore, the order can be confirmed by voice on the customer's mobile phone. The customer can approve or cancel by pushing the dial button according to the voice instructions.

According to the electronic settlement system of the present invention, the order confirmation means includes means for transmitting character information to the portable telephone. Therefore, it is possible to confirm the order by displaying the contents of the order on a display unit such as a liquid crystal of the customer's mobile phone.

[0011]

Embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 1 is a schematic diagram showing an outline of an embodiment of the present invention. The customer 10 uses a computer such as a personal computer 11 to connect to the Internet through a communication line 4 such as a telephone line or a dedicated line by using a protocol such as TCP / IP, and to connect to the WWW server 21 of the seller 20 via the Internet via HTML or the like. Web pages stored in the format of.
The personal computer 11 has a central processing unit (CP)
U), a main storage device (RAM), a secondary storage device (hard disk), and the like, and a display for displaying images, input devices such as a mouse and a keyboard, and the like are connected. The WWW server 21 has a CPU and a hard disk for storing the contents of web pages, and is always connected to the Internet by equipment such as a router. The web page can be easily moved to another page only by operating the mouse by the hyperlink.

The contents of the web page of the seller 20 are divided into a portion that anyone can browse for free and a portion containing value-added information that cannot be seen unless a specific password is input. In this embodiment, the password is a product sold by the seller 20 to the customer 10. The password has an expiration date of, for example, one month,
After the expiration date, you will need a new password to view the web page. A plurality of types of passwords may be issued as a plurality of products according to the length of the expiration date.

FIG. 2 is a flowchart showing a procedure in which the customer 10 purchases a product from the seller 20 according to the present embodiment. In step S101. The customer 10 is a seller 20
By going to the page shown in FIG. 3 among the web pages of (1) and (2), the user purchases the product, that is, applies for issuing a password. The customer 10 inputs his / her name, mobile phone number, and e-mail address, if any, in the input form in the page shown in FIG.
By pressing the button, the order data can be transmitted to the WWW server 21 of the seller 20.

In step S102, a processing program stored in the WWW server 21 as an order receiving means receives order data including the contents of an order from the customer 10 and a mobile phone number. In step S103, order confirmation data including an order content, an amount, and an inquiry message as to whether or not to approve the order are created as character data, and transmitted to the mobile phone company 30 through the communication line together with the mobile phone number.

In step S104, the order confirmation data is accepted by the control means 31, and the telephone exchange means 32 dials the mobile phone 12 of the customer 10 according to the instruction of the control means 31, and the character data of the order confirmation data is converted into the synthesized voice generating means. , And transmits it through the mobile phone line 5. The control means 31, the telephone exchange means 32, and the synthetic voice generating means constitute an order confirmation means described in the claims. Here, as long as the customer's mobile phone 12 has a liquid crystal display unit or the like and can display characters, the order confirmation data may be transmitted as character data. The inquiry message as to whether or not to approve the order includes, for example, a statement such as "Push dial 5 to approve the order. Push dial 9 to cancel the order." .

In step S105, the customer enters the dial 5
Is confirmed by the telephone exchange means 32, and when the order is approved, the flow proceeds to step S106. The telephone exchange means 32 confirms that the customer has pressed the dial 9, and if the order has been canceled, the process proceeds to step S107. If the customer 10 does not answer the phone even after ringing more than a predetermined number of times, if there is no dial input for more than a predetermined amount of time, the telephone exchange means 32 connects to the customer's mobile phone 12 depending on the state of talking or the mobile phone line 5. If not, it is treated as a cancellation, and the process proceeds to step S107.

In step S106, since the order has been accepted, the charge settlement means 33 adds the charge of the order content to the charge of the mobile phone 12 of the customer 10. Here, a password issued to view a specific page may be included in the order confirmation data, and the password may be transmitted to the mobile phone 12 by voice or text after the order is approved. If the customer 10 has input an e-mail address at the time of ordering, the control means 31 notifies that the order has been accepted.
From the WWW server 21, and a notification that the order has been accepted and a password can be transmitted from the WWW server 21 to the e-mail address of the customer 10.

In step S107, since the order has been canceled, the process ends without charging. If the customer 10 has entered an e-mail address at the time of ordering, the control means 31 informs the WWW server 21 that the order has been cancelled, and the order has been canceled from the WWW server 21 to the e-mail address of the customer 10. May be notified.

According to this embodiment, the mobile phone 1 of the customer 10
Since dial 2 is used to directly approve the purchase of the product by the customer 10, it is possible to almost certainly identify the individual and collect the fee. In addition, since the price of the product is added to the mobile phone fee, the customer can easily and safely pay the fee.

In this embodiment, the merchandise sold by the seller is
Although the password is for viewing a specific web page, it may be a combination of an ID and a password. Further, the present invention can be applied to the sale of other physical products, and is particularly suitable for settlement of relatively low-priced products.

[Brief description of the drawings]

FIG. 1 is a schematic view showing an outline of an embodiment of the present invention.

FIG. 2 is a flowchart illustrating a procedure for purchasing a product according to an embodiment of the present invention.

FIG. 3 is a diagram showing a screen displayed on a personal computer of a customer according to an embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 Customer 11 Personal computer 12 Mobile telephone 20 Seller 21 WWW server 22 Reception means 30 Mobile telephone company 31 Control means 32 Telephone exchange means 33 Charge settlement means 4 Communication line 5 Mobile telephone line

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Claims (4)

[Claims] 1. Order receiving means for receiving order data including an order content of a customer and a mobile phone number; telephone exchange means for dialing the mobile phone number; and confirming the order content to the customer by a mobile phone. An electronic settlement system comprising: an order confirmation unit; and a charge settlement unit that adds a charge of the order content to a telephone charge of a customer. 2. The electronic settlement system according to claim 1, wherein the order data is transmitted via a communication line. 3. The electronic settlement system according to claim 1, wherein the order confirmation unit includes a synthesized voice generation unit. 4. The electronic payment system according to claim 1, wherein said order confirmation means includes means for transmitting character information to said mobile phone.