JP2001273449A - Method for settlement on internet - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a method capable of speedily and safely performing settlement on the Internet. SOLUTION: Concerning this method, settlement is performed while utilizing a system for charging information rates to call time and collecting the rates by connecting one line to a line capable of settlement except for the Internet in a computer having plural connectable lines such as ISDN in the case of settlement on the Internet. Besides, enciphered settlement information is acquired by connecting one line to the computer terminal of a bank or credit company except for the Internet and settlement is safely performed by attaching a file thereof.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to settlement on the Internet.

[0002]

2. Description of the Related Art When purchasing goods and information through the Internet, payment of fees and collection of money have been problems.
There were payment methods to banks, post offices and convenience stores, cash on delivery services of carriers, and settlements by credit companies. There is also a method of reconnecting, connecting to a system for charging an information fee during a call time and collecting money, and making a payment.

[0003] However, payment cannot be made without going to a bank, post office, convenience store, or the like, and there is no way to pay from a bank to a partner bank by telephone or Internet without an account. There was a drawback that the commission was also high for the payment by the cash on delivery service of the trader. The payment method using a credit card using the Internet line has a risk that the password is leaked to others. The method of connecting to a system that collects information by charging information charges during the call time and having the user pay for it has the disadvantage that after retrieving the necessary information, it must be reconnected to another line. Was.

[0004] When selling or purchasing goods and information on the Internet, this drawback is a major obstacle to the distribution of goods and information. To be specific, you will have to refrain from making purchases, or your credit card PIN will be leaked to another person and misused, or you will need to reconnect and connect to a system that collects information by charging information charges during talk time and have you pay for it The method has a problem that a user is forgotten to disconnect and a high usage fee is paid besides necessary information.

[0005] As a remedy, a method of connecting to a system for collecting information by charging an information fee during a call using one line when shopping on the Internet when two or more lines can be connected, and having the user pay for it. There is. In the case of ISDN, two telephone lines can be connected, so one line can be connected to another station number. This is a method in which one line is connected to an NTT (registered trademark) dial Q2 or the like to pay the price. Also,
In this method, one line is connected to a terminal such as a bank or a credit company to make a payment.

[0006]

The problem to be solved is to prevent leakage of commissions and personal information which are obstacles to settlement on the Internet. Another problem is that no merchandise is sent even though the fee has been paid.

[0007]

One of the problems is that when two or more lines are available to a user, one line is connected to a different station number, and a call charge plus an information charge is paid there. Is the way. The second is a method in which one line is connected to a computer terminal such as a bank or a credit company of a different station number and settled.

[0008]

DESCRIPTION OF THE PREFERRED EMBODIMENTS One is that the ISDN telephone line has two telephone lines.
This is a method of collecting money as an information fee by using the ability to connect to a line. If a user is shopping on the Internet while connecting one line to the Internet, NTT dials using the other available line This is a method of connecting to a system that charges an information fee during a call time such as Q2 and collects the fee and pays the price. Second, using the fact that two ISDN telephone lines can be connected, one line is connected to a computer terminal such as a bank or credit company with a different area code, and the payment information is encrypted and e-mailed to the seller. It is attached and transmitted for payment.

[0009]

DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 is an explanatory diagram showing a method for carrying out a settlement method on the Internet according to a second embodiment of the present invention.
When directly connected to the computer terminal of a bank or credit company, the information is sent to the seller of the product with the attached encrypted payment information issued by the computer of the bank or credit company, and the seller makes the encrypted payment If the bill is sent to a bank or credit company with the information attached, the encrypted payment information is issued by each bank or credit company, so that it is difficult for others to decrypt the payment information.

[0010]

According to the present invention, the settlement of the price is facilitated, and the personal information does not flow on the Internet because it is connected to another station number, so that leakage of the personal information becomes difficult.

[0011] When a telephone office, a bank, or a credit company relays the settlement, the seller can confirm the payment. Also, when the product is not delivered to the user, there is enough time to request a telephone office, a bank, a credit company, or the like to suspend payment of the fee.

[Brief description of the drawings]

FIG. 1 is an explanatory diagram showing a method for implementing the present invention. A is a user B is a seller C is a payment settlement institution (bank, credit company, etc.) 1 to 7 are transaction flows. 1. The user places an order from the seller's website. 2. The seller charges the user for the price. 3. Request payment to a payment institution such as a bank or credit company using a separate line such as ISDN. 4. A payment settlement institution such as a bank or a credit company transmits the encrypted payment information to the user. 5. The user sends the encrypted payment information to the seller via the Internet. 6. The seller transmits the encrypted payment information to a payment clearing house such as a bank or a credit company. 7. Payment institutions such as banks and credit companies pay the seller. 1.2.5 is traded on the Internet.

Claims (2)

[Claims] 1. When selling goods or information through the Internet, when two or more telephone lines of a user can be connected, when shopping on the Internet, at least one line is connected to a different area code, This is a method of making payment using a system for charging an information fee and collecting money. 2. When selling goods or information through the Internet, when two or more telephone lines of a user can be connected, when shopping on the Internet, at least one line is connected to a different area code, and How to pay by credit card.