JP2001338247A - Settlement device and transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a transaction system capable of improving the security of an electronic commercial transaction via the Internet or portable telephone or preventing an excessive commercial transaction. SOLUTION: This transaction system is provided with the settlement device equipped with a transaction storage part 33, to which the registration of a non-settled commercial transaction is requested, for storing that commercial transaction and a settlement executing part 31 for receiving permission information MO 2-3, with which the settlement of a commercial transaction MO 2 stored in the transaction storage part is permitted, from a previously specified settlement communication line 41 and executing the settlement of that commercial transaction and a transaction device 21 for receiving the request of a commercial transaction, requesting the registration of that commercial transaction to the settlement device and carrying out that commercial transaction, when the settlement of that commercial transaction is executed by the settlement device.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement apparatus for performing settlement in electronic commerce and the like, and a transaction system for performing electronic commerce and the like.

[0002]

2. Description of the Related Art Conventionally, cashless business transactions using credit cards have been known. Such cashless business transactions are highly convenient, and credit cards are very popular.

[0003] In recent years, cashless electronic commerce using the Internet or mobile phones has become possible.
As the technology of the Internet and mobile phones has advanced and the number of users of the Internet and the like has increased, such electronic commerce has also become widespread.

[0004]

However, on the Internet and mobile phones, if you know the credit card number and the like, you can perform business transactions without having the credit card itself, and you can use them during communication. May be intercepted. For this reason, even if the credit card, etc., is not lost, there is a possibility that improper business transactions may be performed by impersonation by others, and improper business transactions due to such spoofing will not be completed until serious damage occurs. It could be a discovery.

[0005] In addition, the Internet and mobile phones are used not only by those who can bear the debts of e-commerce (hereinafter referred to as debt-bearers) but also those who can bear the debts. Minors who have been given personal computers or mobile phones by parents or the like often use them, and it is possible that excessive debt transactions may be carried out without the knowledge of the debt bearer.

[0006] For this reason, there is a demand for improving the security of electronic commerce via the Internet and mobile phones and preventing excessive commerce.

[0007] In view of the above circumstances, the present invention improves the security of electronic commerce via the Internet or a mobile phone,
Alternatively, it is another object of the present invention to provide a settlement apparatus capable of preventing excessive business transactions and such a transaction system.

[0008]

According to the present invention, there is provided a settlement apparatus of the present invention, wherein a registration of an unsettled commercial transaction is requested to store the commercial transaction, and a commercial transaction stored in the transaction storage section. And a settlement execution unit for executing the settlement of the commercial transaction by receiving the permission information for permitting the settlement of the transaction from the settlement communication line specified in advance.

Here, the "settlement communication line" may be a telephone line or another communication line as long as it is specified in advance. As the settlement communication line, for example, a communication line such as a home telephone line that can be managed by a person who can bear the debt can be considered.

[0010] Further, "executing a settlement" means to substantially perform the transfer of money accompanying a commercial transaction. For example, when an account transfer of a commodity price is performed on a predetermined transfer date or the like, it is automatically performed. Includes procedures for receiving and receiving money.

According to the settlement apparatus of the present invention, the settlement is executed when the settlement is permitted via the previously settled settlement communication line. Even if it occurs via the Internet, it is possible to prohibit the settlement of commercial transactions in response to the unauthorized request, and also to prevent a minor or the like from buying too much on a mobile phone or the Internet.

[0012] The settlement apparatus of the present invention includes a password storage unit that stores predetermined password information in association with a payment communication line.
When the payment execution unit receives the same password information as the password information stored in the password storage unit from the payment communication line associated with the password information, the payment execution unit receives the permission information from the payment communication line. To execute the settlement of commercial transactions. "

Here, the "password" may be a so-called password or a so-called password.

According to the payment apparatus having such a desirable configuration, payment is executed when predetermined password information is received from a specific payment communication line, so that the security of commercial transactions is extremely high. In addition, it is possible to avoid a situation in which a child or the like of a debt bearer issues permission information to the debt bearer without permission.

In general, there are a plurality of the above-mentioned settlement communication lines associated with, for example, a plurality of debtors, respectively. The device is configured such that “the transaction storage unit is
A request for registration of a commercial transaction was received, and additional information previously associated with one of the plurality of payment communication lines was received, and the additional information was associated with the commercial transaction for which registration was requested. The settlement execution unit receives the permission information for permitting the settlement of the commercial transaction stored in the transaction storage unit from the settlement communication line associated with the commercial transaction. And execute the settlement of the commercial transaction. ''
It is characterized by that.

Here, the "attached information" may be information directly associated with the settlement communication line, such as a telephone number, or a family member of a debt bearer who manages the settlement communication line. May be indirectly associated with the settlement communication line via a list of the above.

Further, the settlement apparatus of the present invention is requested to confirm the contents of the commercial transaction stored in the transaction storage unit via the settlement communication line, and transmits the contents of the commercial transaction to the settlement communication line. It is also preferred to have a part.

According to the settlement apparatus provided with such a content transmitting unit, a person who can bear debts can confirm the contents of the commercial transaction and then permit the settlement.

Further, in the settlement apparatus provided with such a content transmitting unit, the transaction storage unit stores voice information representing the content of a commercial transaction by voice, and the content transmitting unit stores the voice information of the commercial transaction. In transmitting the content, the voice information stored in the transaction storage unit is transmitted. "

Such a preferred settlement apparatus can transmit the contents of a commercial transaction by voice by transmitting the voice information. Therefore, even in the case of a commercial transaction requested by character information or the like via the Internet or the like, a telephone or the like can be used. You can check the contents.

A transaction system according to the present invention for achieving the above object is provided with a transaction storage unit for storing registration of an unsettled commercial transaction and storing the transaction, and a permission for permitting settlement of the commercial transaction stored in the transaction storage unit. A payment device having a payment execution unit that receives information from a payment communication line specified in advance and executes payment of the commercial transaction, and requests a payment device to register the commercial transaction in response to a request for a commercial transaction. And a transaction device for executing the commercial transaction when the settlement of the commercial transaction is executed by the settlement device.

The transaction system according to the present invention will be described only in its basic form,
This is merely to avoid duplication, and the transaction system according to the present invention includes not only the transaction system of the above-described basic mode but also various types of transaction systems corresponding to the respective modes of the settlement apparatus described above.

[0023]

Embodiments of the present invention will be described below.

FIG. 1 is a diagram showing an embodiment of a transaction system according to the present invention, in which an embodiment of a settlement apparatus according to the present invention is incorporated.

FIG. 1 shows a communication network 10. The communication network 10 includes a plurality of personal computers 21 which are an example of a transaction apparatus according to the present invention, which perform electronic commerce and sell products. The settlement processing center 3 which executes settlement of commercial transactions executed by the retail stores 20 and the personal computers of the respective retail stores 20 by the settlement processing server 31 which is an example of the settlement apparatus of the present invention.
0 is connected. The communication network 10, the personal computer 21 of the retail store 20, and the payment processing server 31 of the payment processing center 30 constitute one embodiment of the transaction system of the present invention.

Here, the communication network 10 is a network in which public telephone lines and dedicated communication lines of companies and the like are connected to each other, and a home telephone 41 of a debt bearer is connected to the communication network 10. Have been. The telephone line of the home telephone 41 is registered in the settlement processing center 30 prior to the electronic commerce as the settlement communication line according to the present invention.

In this case, each family member of the debt bearer can use a mobile phone 51 or a personal computer 52 to communicate with an e-commerce business partner (retail store) 20 via the communication network 10. Shall be requested. In the following description, the person who can bear the debt may be referred to as the family head. It is also assumed that the family structure of the debt bearer and the telephone number of the mobile phone 51 used by each family member for requesting commercial transactions are registered in the settlement processing center 30 together with the telephone number of the home telephone 41. Further, the contract 42 stored in the vicinity of the family head includes the settlement processing center 3
0 describes the registered contents. Each family member of the debt bearer refers to the goods sold by the retail store 20 on the Internet or a catalog, and makes a commercial transaction on the desired goods with the mobile phone 51 or the personal computer 52.
Requesting the retail store 20 to temporarily hold the product.

In the present embodiment, the retail store 20 is provided with a telephone 22 in addition to the personal computer 21 described above. The personal computer 21 accepts electronic commerce requests via the Internet or the like. In a procedure in which the clerk verbally receives the information via the telephone 22 and inputs the result into the personal computer 21, the request for the electronic commerce is also received. The personal computer 21 that has received the request for electronic commerce processes the payment processing server 3 of the payment processing center 30.
1 requests that the e-commerce be registered as a pending payment.

In this embodiment, the settlement processing center 3
0 is provided with a voice processing device 32 for generating voice information representing the content of the electronic commerce in voice. The payment processing server 31 is a personal computer 2
The voice processing device 32 generates voice information for the electronic commerce requested to be registered from 1 and stores the voice information in the family purchase file M02 of the payment box 33 provided in the payment processing server 31. FIG. 1 shows an example of data stored in the family purchase file M02. This family purchase file M02 is prepared for each settlement communication line, and the family purchase file M02 stores the telephone number M02_2 of the family head's home as information for specifying the settlement communication line. The family purchase file M02 also stores a password M02_3 associated with the settlement communication line.
02_3 is an example of the password information according to the present invention. Further, the family purchase file M02 includes, for each business transaction, a serial number M02_6, an application date (request date) M02_9, a relationship M02_10 representing the applicant, an amount M02_13,
The product name M02_11 is stored, and the voice M02_14 at the time of the request by the mobile phone 51 or the like is also stored.
The detailed data structure of the family purchase file M02 will be described later.

The family head uses the home telephone 41 to check the contents of the business transaction application stored in the family purchase file M02, and decides whether to approve or not to settle the transaction.
If the settlement is permitted, the personal identification number serving as information for authenticating the family head and information for instructing the settlement is sent to the settlement processing center 30 via the telephone line of the home telephone 41. That is,
In the present embodiment, the personal identification number serves as the personal identification information and the permission information according to the present invention.

When the settlement is instructed by the family head, the settlement is executed by the settlement processing server 31, the settlement result is notified to each retail store 20, and the merchandise is dispatched from each retail store.

As described above, according to the transaction system in which the settlement is permitted from the specific communication line, the request for the commercial transaction and the permission for the settlement are provided on different routes. , It is possible to avoid the settlement of the commercial transaction through the settlement permission route.

FIG. 2 is a functional configuration diagram of a payment processing server which is an embodiment of the payment apparatus of the present invention.

The settlement processing server 31 is requested to register a commercial transaction through a settlement waiting registration screen 21_1 displayed on the personal computer 21 of the retail store 20 shown in FIG. The payment waiting registration function 31_1 for registering in the family purchase file M02 in the payment box 33 and permission information for permitting payment from the telephone line of the family's home telephone 41 are registered in the family purchase file M02. A settlement processing function 31_2 for executing settlement of a commercial transaction is provided. The settlement standby registration function 31_1 and the settlement box 33 implement a function as a transaction storage unit according to the present invention, and the settlement processing function 31_2 implements a function of a settlement execution unit according to the present invention.

The settlement processing server 31 has a retail store information registration function 31_4 for receiving information on the retail store 20 from the retail store information registration screen 31_3 and registering the information in the retail store information master M04, and a family member of the debt bearer. A family information registration function 31_6 for receiving information on the family information registration screen 31_5 and registering the information in the family information master M01 is also provided. Retail store information registration screen 31_3 described above
And the family information registration screen 31_5
The information is displayed on a client machine provided in the settlement processing center as one terminal.

Further, in the settlement processing server 31, a family of a person who can bear debts to a clerk of the retail store 20 or the like through a mobile phone number search screen 21_2 displayed on a personal computer of the retail store 20. A mobile phone number search function 31_7 that provides a service for searching for a mobile phone number that the user has is provided. In addition, the settlement waiting / settled list display screen 21_3 displayed on the personal computer displays a settlement waiting list that shows whether each commercial transaction stored in the family purchase file M02 is waiting for settlement or has been settled. / Settlement list display function 31_
8 is also provided.

As described above, the voice processing device 32 is connected to the payment processing server 31, and the voice processing device 32 indicates the contents of the commercial transaction requested to be registered via the payment waiting registration screen 21_1. A purchase information voice conversion function 32_1 is provided for generating voice information using voices representing words and numbers prepared in advance. And
In the present embodiment, the settlement waiting registration function 31_1 described above
In registering the transaction in the family information file 34, the voice information generated by the purchase information voice conversion function 32_1 is registered. In the present embodiment, the payment processing function 3
1_2 transmits the voice information registered in the family purchase file M02 to the telephone line of the home telephone 41 in response to a predetermined instruction from the home telephone 41. That is, in the present embodiment, the payment processing function 31_2 also has the function of the content transmitting unit according to the present invention.

FIG. 3 is a flowchart showing details of the transaction procedure in the transaction system shown in FIG. 4 to 7 are flowcharts respectively showing the product purchase procedure, the settlement waiting registration procedure, the settlement processing procedure, and the settlement result notification procedure shown in the flowchart of FIG.
FIG. 11 shows the transaction procedure shown in the flowchart of FIG.
FIG. 8 is a data structure diagram of a file used in various procedures shown in the flowcharts of FIGS.

Hereinafter, the transaction procedures shown in the flowchart of FIG. 3 and the procedures shown in the flowcharts of FIGS. 4 to 7 will be described while appropriately describing the data structure diagrams shown in FIGS.

In the transaction procedure shown in the flowchart of FIG. 3, first, a contract is concluded between the retail store and the settlement processing center to execute the settlement of the commercial transaction requested to the retail store by the settlement processing center. . Then, the retail store information registration function 31_4 shown in FIG. 2 prepares a retail store information master M04 for each retail store with which a contract has been concluded, and registers information about the retail store in the retail store information master M04 (step). S101).

FIG. 11 is a data structure diagram of the retail store information master.

The data structure of the retail store information master M04 is as follows.
The file has a hierarchical structure of two layers, and the first layer has a character string M04_1 indicating that this file is a retail store information master.
Is stored. In the second layer of the retail store information master M04, a retail store code M for distinguishing each retail store from each other is provided.
04_2 and the store name M04_3 of each retail store are stored.

As described above, when the information of the retail store is registered in the retail store information master M04 in step S101 of FIG. 3, the family head next sends the settlement of the commercial transaction to the settlement processing center. Apply for a settlement contract to be entrusted. With this settlement contract, a communication line used for settlement is specified, and the communication line is associated with a family structure, a mobile phone number of each family member, and the like. Then, a family information master M01 is generated for each settlement communication line by the family information registration function 31_6 shown in FIG. 2, and the family structure of the family head, the mobile phone number of each family member, and the like are registered in the family information master M01. (Step S10
2).

FIG. 8 is a data structure diagram of the family information master.

The data structure of the family information master M01 is 3
It has a hierarchical structure. In the first hierarchy, a character string M01_1 indicating a family information master is stored.

In the second layer of the family information master M01, a home telephone number M01_2 and a settlement password M01_
3 is stored, and a tag M indicating a family structure area is stored.
01_4 are prepared for the number of families. In the third hierarchy of the family information master M01, the mobile phone number M01_5, the name M01_6, and the relationship M01_7 of each family member are stored in each family configuration area indicated by each tag M01_4.

As described above, step S102 shown in FIG.
After the family information is registered in the family information master M01, each family member performs a product purchase procedure for applying for a product purchase (step S103). Then, a settlement waiting registration procedure for registering the commercial transaction of the commodity applied for in the commodity purchase procedure as the settlement waiting is performed (step S104). After that, the contents of the transaction are confirmed by the family head (step S105), and then a payment processing procedure for performing payment according to the instruction of the family head is performed (step S10).
6). Then, the result of the settlement is notified to the retail store and confirmed at the retail store (step S107), and the merchandise is shipped and the account transfer process on a predetermined day is performed (step S1).
08), the transaction procedure ends.

FIG. 4 is a flowchart of a commodity purchase procedure.

This product purchase procedure is a procedure executed in step S103 of the transaction procedure shown in FIG. 3 when a purchaser of a product calls a retail store. As mentioned above,
In the transaction system shown in FIG. 1, a request for a commercial transaction is made via each of a mobile phone and the Internet. For this reason, a procedure via a mobile phone and the Internet can be considered as a product purchase procedure, but for simplicity of description, a procedure via a mobile phone will be described here.

In this product purchase procedure, first, the telephone number of the mobile phone is notified to the retailer by the telephone number notification service, and the name of the purchaser is confirmed by conversation (step S201). Next, the mobile phone number notified to the retailer is searched by the mobile phone number search function 31_7 shown in FIG. 2 with reference to the family information master M01 (step S202). When the mobile phone number is found by the search, it is determined whether or not the name of the family corresponding to the mobile phone number matches the name of the purchaser (step S203). When it is determined that the names match, A request for commercial transaction (product purchase) is accepted, and the product desired to be purchased is temporarily held down (step S20).
4). In this way, in the merchandise purchase procedure, by performing the name match determination, the qualification for requesting commercial transaction (merchandise purchase) is authenticated.

If it is determined in step S203 that the name of the purchaser does not match the name of the family, the purchaser is given an opportunity to retry and returns to step S201, where the purchaser is identified. If the retry is abandoned, the product purchase procedure is stopped.

FIG. 5 is a flowchart of the settlement waiting registration procedure.

The settlement waiting registration procedure is a procedure executed in step S104 of the transaction procedure shown in FIG. 3 when the personal computer of the retail store requests the settlement processing server of the settlement processing center to register the commercial transaction. When requesting registration, the personal computer at the retail store sends the mobile phone number notified by the purchaser and the contents of the commercial transaction requesting registration to the settlement processing server. This mobile phone number is an example of the attached information according to the present invention. In the following, the content of the commercial transaction may be referred to as purchase information.

When the settlement waiting registration procedure is started, first, the settlement processing server searches the family information master M01 using the mobile phone number notified by the purchaser as a key, and corresponds to the notified mobile phone number. A home telephone number to be acquired is obtained (step S301).

Next, voice information representing the contents of the commercial transaction for which registration is requested is the purchase information voice conversion function 32_ shown in FIG.
1, and the voice information and the like are registered in the family purchase file M02 corresponding to the home telephone number acquired in step S301 by the settlement waiting registration function 31_1 (step S302).

Thereafter, the settlement waiting / settled list display function 31
Based on _8, the purchase information for each retail store is extracted from the family purchase file M02 while referring to the retail store information master M04, and the settlement waiting / settled list file M03 is created.

FIG. 9 is a data structure diagram of a family purchase file.

The data structure of the family purchase file M02 is also 3
The first hierarchical level stores a character string M02_1 indicating that the file is a family purchase file.

In the second layer of the family purchase file M02, a telephone number M02_2 of a home telephone and a password M02_3 for settlement are stored. In the second hierarchy, a tag M02_5 representing a first purchase information area for storing numerical purchase information and a tag M02_8 representing a second purchase information area for storing the above-mentioned purchase information as audio information are also provided. , For each commercial transaction.

Further, in the third layer of the family purchase file M02, the serial number M02_6 of the commercial transaction and the code M02_7 of the retail store that has received the commercial transaction request are stored in the first purchase information area indicated by the tag M02_5. In the second purchase information area represented by M02_8, the application date M02_9, the applicant M02_10, the product name M02_11, and the quantity M02
_12, the amount M02_13, the date and time M02_4 of the settlement when the settlement is executed, and the telephone voice M02_14.

FIG. 10 is a data structure diagram of a settlement waiting / settled list file.

The data structure of the settlement waiting / settled list file M03 is a tabular data structure. In this data structure diagram, numerical data is abstracted by "9" and character string data is abstracted by "X".

The settlement waiting / settled list file M03
Is created for each retail store. First, the name of the retail store M03_1
Is stored.

Further, for each commercial transaction, a serial number M03_2,
Mobile phone number M03_3, name of applicant M03_
4, product name M03_5, quantity M03_6, price M03_
7 are stored in a table format.

Further, for each commercial transaction, a character “not yet” M03_8 indicating that the transaction is waiting for settlement, or a character “done” M03_9 indicating that settlement is completed is stored.

FIG. 6 is a flowchart of the settlement processing procedure.

This settlement procedure is a procedure executed in step S106 of the transaction procedure shown in FIG. 3 when the head of the family calls the settlement processing server from the home telephone.

When the settlement procedure is started, first,
The telephone number of the home telephone is notified to the settlement processing server by a telephone number notification service or the like. Then, the family purchase file M02 is searched using the notified telephone number as a key for the home telephone number (step S40).
1).

Next, the settlement password transmitted from the home telephone by the family head is received by the settlement processing function 31_2 shown in FIG. 2 (step S402), and stored in the received password and the family purchase file M02. It is determined whether or not the passwords are the same (step S40).
3).

If it is determined in step S403 that the passwords match, the family purchase file M02
Is settled, the settlement processing function 31_2 performs a procedure such as account transfer, executes the settlement, and registers the date and time of settlement in the family purchase file M02 (step S403).

On the other hand, if it is determined in step S403 that the passwords do not match, the family head is given an opportunity to retry, and the process returns to step S402. If the family head gives up retrying, Means that the settlement process is stopped.

FIG. 7 is a flowchart of the settlement result notification procedure.

This settlement result notification procedure is a procedure executed at any time after the settlement processing procedure is completed in step S107 of the transaction procedure shown in FIG.

In this settlement result notification procedure, the settlement result indicated by the presence or absence of the settlement date is extracted from the family purchase file M02 by the settlement waiting / settled list display function 31_8 shown in FIG. 2 (step S501). The settlement waiting / settled list M03 of each retail store is updated based on the extracted settlement result (step S502). The updated settlement waiting / settled list M03 is confirmed at the retail store via the settlement waiting / settled list display screen 21_3 shown in FIG.

As described above, after the settlement result notification procedure is completed, the merchandise is dispatched and the commercial transaction is completed.

As described above, by executing the transaction procedure shown in FIG. 3 and each procedure shown in FIGS. 4 to 7, electronic commerce is performed safely, and over-purchase is prevented.

In the above embodiment, the purchase information is stored in the form of voice information. However, the transaction storage unit of the present invention may store a commercial transaction in the form of, for example, character information.

In the above embodiment, the settlement processing server executes the settlement of the electronic commerce. However, the settlement apparatus of the present invention may execute the settlement of the commerce requested at the store electronically. .

In the above embodiment, the telephone number of the mobile phone is used as the additional information according to the present invention. However, the auxiliary information according to the present invention may be the telephone number of the home telephone, or FIG. May be the name M01_6 stored in the family information master shown in FIG. Alternatively, when requesting a commercial transaction via the Internet, the mail address of each family member may be used as the additional information.

In the above embodiment, the personal identification number serves both as the personal identification information and the permission information according to the present invention. However, the personal identification information and the permission information according to the present invention may be different from each other. Further, in the above embodiment, the settlement for a plurality of commercial transactions is permitted at a time by the personal identification number also serving as the permission information. However, the permission information according to the present invention may be given for each commercial transaction.

In the above embodiment, the settlement is permitted from the home telephone. However, the settlement apparatus of the present invention may be permitted to settle from a personal computer connected to a specific communication line.

Further, in the above-described embodiment, the authentication is performed by the name of the purchaser in the product purchase procedure. However, the transaction apparatus according to the present invention requires the purchaser to input the personal identification number for the purchase request. And authentication may be performed using the password.

(Supplementary Note 1) A transaction storage unit that is required to register an unsettled commercial transaction and stores the commercial transaction, and permission information for permitting the settlement of the commercial transaction stored in the transaction storage unit are specified in advance. A settlement execution unit that receives the settlement from the settlement communication line and executes settlement of the commercial transaction; and requests confirmation of the contents of the commercial transaction stored in the transaction storage unit via the settlement communication line, and executes the contents of the commercial transaction. A content transmitting unit for transmitting to the settlement communication line, wherein the transaction storage unit stores voice information representing the content of the commercial transaction by voice, and the content transmitting unit transmits the content of the commercial transaction. And transmitting the voice information stored in the transaction storage unit.

[0084]

As described above, according to the present invention,
The security of electronic commerce via the Internet or a mobile phone can be improved, or excessive commerce can be prevented.

[Brief description of the drawings]

FIG. 1 is a diagram showing one embodiment of a transaction system of the present invention.

FIG. 2 is a functional configuration diagram of a payment processing server which is an embodiment of the payment apparatus of the present invention.

FIG. 3 is a flowchart showing details of a transaction procedure.

FIG. 4 is a flowchart of a commodity purchase procedure.

FIG. 5 is a flowchart of a settlement waiting registration procedure.

FIG. 6 is a flowchart of a settlement processing procedure.

FIG. 7 is a flowchart of a settlement result notification procedure.

FIG. 8 is a data structure diagram of a family information master.

FIG. 9 is a data structure diagram of a family purchase file.

FIG. 10 is a data structure diagram of a settlement waiting / settled list file.

FIG. 11 is a data structure diagram of a retail store information master.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 Communication network 20 Retail store 21 Personal computer 21_1 Payment waiting registration screen 21_2 Cell phone number search screen 21_3 Payment waiting / paid list display screen 22 Telephone 30 Payment processing center 31 Payment processing server 31_1 Payment waiting registration function 31_2 Payment processing function 31_3 Retail Store information registration screen 31_4 Retail store information registration function 31_5 Family information registration screen 32 Voice processing device 32_1 Purchase information voice conversion function 33 Payment box 41 Home phone 42 Contract 51 Mobile phone 52 Personal computer M01 Family information master M02 Family purchase file M03 Payment Wait / Settled List File M04 Retail Store Information Master

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 506 G06F 17/60 506

Claims (5)

[Claims] 1. A transaction storage unit which is required to register an unsettled commercial transaction and stores the transaction, and a permission information for permitting the settlement of the commercial transaction stored in the transaction storage unit, which is specified in advance. A settlement execution unit for receiving settlement from the communication line and executing settlement of the commercial transaction. 2. A password storage unit for storing predetermined password information in association with the payment communication line, wherein the payment execution unit transmits the same password information as the password information stored in the password storage unit, 2. The settlement apparatus according to claim 1, wherein, when the password information is received from the associated settlement communication line, the permission information is received from the settlement communication line to execute settlement of the commercial transaction. . 3. A plurality of said settlement communication lines, wherein said transaction storage unit is required to register a commercial transaction, and said transaction storage unit is associated with one of said plurality of settlement communication lines in advance. Receiving the information, and storing the commercial transaction requested to be registered in association with the payment communication line with which the attached information is associated, wherein the payment executing unit executes the commercial transaction stored in the transaction storage unit. 2. The method according to claim 1, wherein the permission information for permitting the settlement is received from a settlement communication line associated with the transaction, and the settlement of the transaction is executed.
The payment device as described. 4. A request to confirm the contents of a commercial transaction stored in the transaction storage unit via the settlement communication line,
2. The settlement apparatus according to claim 1, further comprising a contents transmission unit for transmitting the contents of the commercial transaction to the settlement communication line. 5. A transaction storage unit which is required to register an unsettled commercial transaction and stores the commercial transaction, and a permission information for permitting the settlement of the commercial transaction stored in the transaction storage unit, which is specified in advance by a settlement. A settlement device having a settlement execution unit for executing settlement of the commercial transaction received from the communication line; and receiving a request for the commercial transaction, requesting the settlement device to register the commercial transaction. The settlement of the commercial transaction is performed by the settlement device. And a transaction device for executing the commercial transaction when executed.