JP2001351043A - Electronic settlement based on seller/buyer inquiry/ collation system utilizing net connection function of portable telephone or phs - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve the safety, reliability, convenience, and cost of a credit card spread as cashless settlement. SOLUTION: As to the settlement of a commodity sold/bought in over-the- counter sales which is the main procedure of a current commodity selling/buying format enabling a customer to see an article and determine its purchase which is impossible in a net transaction and is supposed to be a main procedure in the future, a seller and buyer simultaneously collate the settlement system of a net mediating agency from their portable telephones or PHSs to receive settlement information by utilizing the ID characteristics or net connection functions of the portable telephones or PHSs and the validity/invalidity of the transaction is judged from the result of collation using a member store code and a transaction code sent from both the seller and buyer as keys to guarantee the safety/reliability of electronic settlement.

Description

DETAILED DESCRIPTION OF THE INVENTION

The present invention uses the ID characteristics of a mobile phone and a PHS and a network connection function to settle the settlement information that the seller side and the buyer side of over-the-counter sales from the mobile phone and the PHS at the same time in the transmission data column at the time of trading in Table 1. Are sent individually to the settlement system of the internet broker as settlement inquiry data,
By comparing the matching data at the time of purchase and sale in Table 1, it is possible to prevent the leakage of the member confidential information to the member store by the method of judging the validity of the member store and the member and determining the validity of the transaction and executing the settlement. Electronic settlement using a merchant inquiry and collation method by a net intermediary company, which ensures the security and reliability of transactions by transmitting information.

[0002]

[Present and Future Technologies] Credit cards are widely used as cashless payments. It is necessary to disclose the credit number at the time of use, and there is always a concern that a third party may steal the number and illegally use it. 2. The card must be renewed once a year with an expiration date to ensure safety and reliability.
3. There is no immediate settlement function. Improvements in safety, reliability, convenience, and cost are desired. Also, IC cards and debit cards, which are expected to be cashless payments in the future, have passwords and instant payment functions, but they will be more innovative in terms of security, reliability, convenience, and cost. is not. The biggest problem, however, is that the reader must have a reader and the infrastructure must be widespread so that the buyer does not feel inconvenienced.

[0003]

Advantages of the Invention The present invention is the mainstream of the current merchandise sales and purchase form in which purchases are determined by looking at the actual goods that are impossible for online transactions, and in the over-the-counter merchandise sales that are considered to be the mainstream in the future. Using the mobile phone and PHS ID characteristics and the Internet connection function, which are now rapidly spreading to the masses, the sellers and buyers of over-the-counter sellers can simultaneously settle payment information from their respective mobile phones and PHS with the Internet broker. Inquiry to the payment system, and the validity and invalidity of the transaction were determined based on the result of the collation using the merchant code and the sales number sent from both sides as keys, thereby ensuring the safety and reliability of the electronic payment. In addition, authentication of member stores and members is performed using mobile phones, PHS numbers and passwords pre-registered in the settlement system of the Internet intermediary company, and individual inquiry is made to prevent leakage of member personal information to the member store side , Secure and reliable electronic payment. In addition, the credit settlement information sent from the Internet intermediary to the merchant during credit settlement by this method eliminates the card number and membership number to ensure the security of the member's credit information. Inquiries to the member's bank account performed by the settlement system of the company are valid inquiry of the member's account at the time of account check, payment capacity inquiry by trading value, and only account transfer instructions, and the member's account information is protected to the maximum extent You.

[0004]

DESCRIPTION OF THE PREFERRED EMBODIMENTS
First, the affiliated stores and members of the present system make a contract with an internet broker (credit company, bank, etc.), and the affiliated stores and members register the basic data shown in Table 1 in advance in the database of the settlement system of the internet broker.

[0005] Member stores, general members, Internet intermediaries, and transaction banks are connected online via the Internet, and exchange data necessary for settlement of trading value. The settlement process is performed on the homepage on the Internet provided by the net intermediary between the four parties (when the transaction bank of the seller and the buyer is the same) or the five parties.

[0006] The member sets various settlement restrictions as shown in Table 2 before executing the settlement system. This setting can be arbitrarily updated by the member at any time. However, the effect of updating in an unsafe direction, such as switching from invalidation to validity of payment or expanding the payment limit, will be delayed by one day.

First, a merchandise and a price are determined and a sales contract is made between a member store (seller) and a member (buyer).

[0008]

[In the case of the instant settlement method] As shown in FIG. From the mobile phone and PHS of the member store and the mobile phone and PHS of the member, the transmission data at the time of trading and the payment designation of the immediate payment shown in Table 1 are sent to the internet intermediary, respectively, and an inquiry for payment information inquiry is performed. The password is sent from each mobile phone and PHS, so the secret is kept.

[0009] 2. The data transmitted at the time of buying and selling of Table 1 sent to the settlement system of the Internet intermediary through the Internet connection is the same as Table 1 registered in the database when joining this system.
Is checked against the data in the basic data column, and the contents of the settlement restriction set in Table 2 are checked.

If there is no problem, contact the member's bank. The member's account check is sent and the account validity and solvency inquiry is performed.

3. The result of the account check is sent from the member's bank to the broker. Sent as a valid / invalid answer. 4. The result is sent to the member's mobile phone and PHS and the member's mobile phone and PHS. Sent as a valid / invalid answer.

[0012] Between the member store (seller) and the member (buyer),
If the settlement of the trading value is confirmed to be valid, the member (buyer)
From their mobile phone and PHS Issue a payment approval instruction. If the settlement of the trading value is confirmed to be invalid, the sales contract between the member store (seller) and the member (buyer) is canceled with the mutual understanding.

[0013] The Internet broker is a member (buyer).
6. When the settlement is approved, the member's (buyer's) bank is required. An account transfer instruction is issued, and the transaction of the trading value is performed from the account of the member (buyer) to the account of the business bank of the member store (seller). 9. A settlement completion report is sent from the merchant's bank to the intermediary.

[0014] The intermediary is provided by the member bank (seller) 's bank. 9. Upon receiving the settlement completion report, go to the mobile phone and PHS of the member store (seller). A settlement completion report is sent to inform that the trading value has been transferred to the bank account of the member store (seller).

[0015] Between the member store (seller) and the member (buyer),
10. When it is confirmed that the settlement of the trading value is completed, the member store (seller) sends the information to the member (buyer). The delivery and receipt of the goods are issued and the sale is completed.

[0016]

[In the case of credit settlement] Then, as shown in FIG. From the mobile phone and PHS of the member store and the mobile phone and PHS of the member, the transmission data at the time of purchase and purchase and the credit payment settlement designation shown in Table 1 are sent to the net intermediary, respectively, and inquiry is made. The password is sent from each cell phone, so the secret is kept.

2. The data transmitted at the time of buying and selling of Table 1 sent to the settlement system of the Internet intermediary through the Internet connection is the same as Table 1 registered in the database when joining this system.
Is checked against the data in the basic data column, and the contents of the settlement restriction set in Table 2 are checked.

If there is no problem, the result is sent to the member's mobile phone and PHS and the member's mobile phone and PHS. Effectiveness/
Sent as an invalid answer.

[0019] Between the member store (seller) and the member (buyer),
If the settlement of the trading value is confirmed to be valid, the member (buyer)
From their mobile phone and PHS Issue a payment approval instruction. If the settlement of the trading value is confirmed to be invalid, the sales contract between the member store (seller) and the member (buyer) is canceled with the mutual understanding.

[0020] The Internet broker is a member (buyer).
4. When the payment is approved, the relevant merchant and member 5. Execute the credit settlement process (credit process) to the mobile phone and PHS of the member store (seller) and member (buyer). The settlement completion report is executed and the credit settlement information in Table 3 is sent to notify the completion of the credit settlement acceptance processing.

[0021] Between the member store (seller) and the member (buyer),
6. When it is confirmed that the settlement of the trading value has been completed, the member store (seller) sends the information to the member (buyer). Delivery of goods, receipt and customer's copy are issued, and the sale is completed.

This system uses a mobile communication device which can be connected to the Internet instead of a mobile phone and a PHS, a personal computer connected to a mobile phone and a PHS as an input terminal, and a mobile device connected to a mobile phone and a PHS. Can also be realized with a PC connected to the Internet.

[0023]

[Table 1]

[0024]

[Table 2]

[0025]

[Table 3]

[Brief description of the drawings]

FIG. 1 is a flow chart at the time of immediate settlement

FIG. 2 is a flowchart for credit settlement.

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[Procedure amendment]

[Submission date] August 22, 2000 (2008.2.
2)

[Procedure amendment 1]

[Document name to be amended] Statement

[Correction target item name] Full text

[Correction method] Change

[Correction contents]

[Document Name] Statement

[Title of the Invention] Electronic payment by a seller inquiry matching method using a mobile phone or PHS network connection function

[Claims]

DETAILED DESCRIPTION OF THE INVENTION

[0001] The present invention uses a mobile phone or PHS ID characteristic and a network connection function to allow a seller and a buyer to sell a mobile phone or a PHS (or a seller to the
(Personal computer or POS system that can be connected to the Internet ) and simultaneously send the settlement information listed in the transmission data column at the time of trading in Table 1 as payment reference data to the settlement system of the Internet intermediary, and check the matching data at the time of trading in Table 1. By verifying the merchant and member authentication and the validity of the transaction by collation, the method of executing the settlement prevents the leakage of confidential member information to the merchant, and transmits the minimum necessary settlement information to secure the transaction. , tried to reliability, electronic payment means by buying and selling people query verification method based on the net brokers.

[0002]

[Present and Future Technologies] Credit cards are widely used as cashless payments. It is necessary to disclose the credit number at the time of use, and there is always a concern that a third party may steal the number and illegally use it. 2. The card must be renewed once a year with an expiration date to ensure safety and reliability.
3. There is no immediate settlement function. Improvements in safety, reliability, convenience, and cost are desired. Also, IC cards and debit cards, which are expected to be cashless payments in the future, have passwords and instant payment functions, but they will be more innovative in terms of security, reliability, convenience, and cost. is not. The biggest problem, however, is that the reader must have a reader and the infrastructure must be widespread so that the buyer does not feel inconvenienced.

[0003]

Advantages of the Invention The present invention is the mainstream of the current merchandise sales and purchase form in which purchases are determined by looking at the actual goods that are impossible for online transactions, and in the over-the-counter merchandise sales that are considered to be the mainstream in the future. Settlement is made using the mobile phone or PHS ID characteristics and the Internet connection function, which are now rapidly spreading to the masses, so that the seller and the buyer can sell their mobile phones or the PHS (or the seller can connect to the Internet). Pasoko
(POS or POS system) to check the settlement information at the same time to the settlement system of the Internet intermediary company, and determine whether the transaction is valid or invalid based on the result of the collation using the merchant code and the trade number sent from both sides as keys. For safety and reliability. In addition, the authentication of the member store and the member is performed by a mobile phone or P
By using an HS number and a password, and by making individual inquiries, the leakage of personal information of members to the member stores has been prevented, and the security and reliability of electronic settlement have been improved. Furthermore, at the time of credit settlement of this system, the credit information of the member is secured by removing the card number and the member number from the credit settlement information sent from the Internet broker to the member store,
At the time of immediate settlement of this method, inquiries to the member's bank account made by the settlement system of the Internet intermediary are only the inquiry of the member's account validity at the time of account check, the inquiry of the payment ability by the trading price, and the account transfer instruction, Your account information is protected as much as possible.

[0004]

DESCRIPTION OF THE PREFERRED EMBODIMENTS
First, the affiliated stores and members of the present system make a contract with an internet broker (credit company, bank, etc.), and the affiliated stores and members register the basic data shown in Table 1 in advance in the database of the settlement system of the internet broker.

[0005] Member stores, general members, Internet intermediaries, and transaction banks are connected online via the Internet, and exchange data necessary for settlement of trading value. The settlement process is performed on the homepage on the Internet provided by the net intermediary between the four parties (when the transaction bank of the seller and the buyer is the same) or the five parties.

[0006] The member sets various settlement restrictions as shown in Table 2 before executing the settlement system. This setting can be arbitrarily updated by the member at any time. However, the effect of updating in an unsafe direction, such as switching from invalidation to validity of payment or expanding the payment limit, will be delayed by one day.

First, a merchandise and a price are determined and a sales contract is made between a member store (seller) and a member (buyer).

[0008]

[In the case of the instant settlement method] As shown in FIG. Mobile phone or PHS (or
(A personal computer or a POS system that can be connected to the Internet ) and the member's mobile phone or PHS, the transmission data at the time of trading and the settlement designation for immediate settlement shown in Table 1 are sent to the net intermediary, respectively, and an inquiry for settlement information inquiry is made. The password is sent from each connected device, so the secret is kept.

[0009] 2. The data transmitted at the time of buying and selling of Table 1 sent to the settlement system of the Internet intermediary through the Internet connection is the same as Table 1 registered in the database when joining this system.
Is checked against the data in the basic data column, and the contents of the settlement restriction set in Table 2 are checked.

If there is no problem, contact the member's bank. The member's account check is sent and the account validity and solvency inquiry is performed.

3. The result of the account check is sent from the member's bank to the broker. Sent as a valid / invalid answer. The result is transferred to the member's mobile phone or PHS (or internet connection).
Possible PC or POS system) and member's mobile phone
Or to PHS5. Sent as a valid / invalid answer.

[0012] Between the member store (seller) and the member (buyer),
If the settlement of the trading value is confirmed to be valid, the member (buyer)
5. From your mobile phone or PHS Issue a payment approval instruction. If the settlement of the trading value is confirmed to be invalid, the sales contract between the member store (seller) and the member (buyer) is canceled with the mutual understanding.

[0013] The Internet broker is a member (buyer).
6. When the settlement is approved, the member's (buyer's) bank is required. account
A transfer instruction is issued to transfer the trading value from the member (buyer) account to the member bank (seller) bank account. 9. A settlement completion report is sent from the merchant's bank to the intermediary.

[0014] The intermediary is provided by the member bank (seller) 's bank. Upon receiving the settlement completion report, the mobile phone or PHS of the member store (seller) (or a PC or PO
S system) A settlement completion report is sent to inform that the trading value has been transferred to the bank account of the member store (seller).

[0015] Between the member store (seller) and the member (buyer),
10. When it is confirmed that the settlement of the trading value is completed, the member store (seller) sends the information to the member (buyer). The delivery and receipt of the goods are issued and the sale is completed.

[0016]

[In the case of credit settlement] Next, as shown in FIG. Merchant mobile phone or PHS (or
A personal computer or a POS system that can be connected to the Internet) and the member's mobile phone or PHS are sent the trading data at the time of trading and the payment designation of credit settlement shown in Table 1 to the Internet intermediary, and an inquiry is made. The password is sent from each connected device, so the secret is kept.

2. The data transmitted at the time of buying and selling of Table 1 sent to the settlement system of the Internet intermediary through the Internet connection is the same as Table 1 registered in the database when joining this system.
Is checked against the data in the basic data column, and the contents of the settlement restriction set in Table 2 are checked.

If there is no problem, the result is transferred to the member's mobile phone or PHS (or a PC or PO
S system) and the member's mobile phone or PHS Effectiveness/
Sent as an invalid answer.

[0019] Between the member store (seller) and the member (buyer),
If the settlement of the trading value is confirmed to be valid, the member (buyer)
From their mobile phone or PHS Issue a payment approval instruction. If the settlement of the trading value is confirmed to be invalid, the sales contract between the member store (seller) and the member (buyer) is canceled with the mutual understanding.

[0020] The Internet broker is a member (buyer).
4. When the payment is approved, the relevant merchant and member Execute the credit settlement process (credit process), and the mobile phone or PHS of the member store (seller) and member (buyer) (or the member store
5. Connectable personal computer or POS system) The settlement completion report is executed and the credit settlement information in Table 3 is sent to notify the completion of the credit settlement acceptance processing.

[0021] Between the member store (seller) and the member (buyer),
6. When it is confirmed that the settlement of the trading value has been completed, the member store (seller) sends the information to the member (buyer). Delivery of goods, receipt and customer's copy are issued, and the sale is completed.

[0022] The present system, a mobile phone or PHS of changes to the mobile phone or use of mobile devices to connect the camera to your computer or mobile phone or PHS is connected to the PHS as the Internet mobile communications devices and input terminals that can be connected, the merchant side Can be realized by a POS system that can be connected to the Internet .

[0023]

[Table 1]

[0024]

[Table 2]

[0025]

[Table 3]

[Brief description of the drawings]

FIG. 1 is a flow chart at the time of immediate settlement

FIG. 2 is a flowchart for credit settlement.

[Procedure amendment 2]

[Document name to be amended] Drawing

[Correction target item name] Fig. 1

[Correction method] Change

[Correction contents]

FIG.

[Procedure amendment 3]

[Document name to be amended] Drawing

[Correction target item name] Figure 2

[Correction method] Change

[Correction contents]

FIG. 2

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) H04L 9/32 H04L 9/00 673A

Claims (4)

[Claims] 1. Using the ID characteristics of a mobile phone and a PHS and a network connection function, a seller side and a buyer side of an over-the-counter store simultaneously query payment information from a mobile phone and a PHS to a payment system of an internet intermediary, and both sides. Electronic settlement based on the merchant reference and verification method by an Internet intermediary company, which determines the validity and invalidity of the transaction based on the result of collation using the merchant code and the purchase and sale number as keys. 2. A member store and a member are authenticated by a mobile phone, a PHS number, and a password registered in advance in a settlement system of an Internet intermediary company. To prevent leakage,
Electronic settlement by the buyer and seller reference matching method by the Internet intermediary company for the security and reliability of transactions 3. When credit is settled by the present method, the credit card of the member can be obtained by removing the card number and the member number from the credit settlement information sent to the member store by the net intermediary company guaranteeing the validity and uniqueness of the credit settlement. Electronic payment by buyers and sellers collation method by Internet intermediaries to secure information 4. In the instant settlement of the present method, inquiries to the member's bank account made by the settlement system of the Internet intermediary company include inquiring about the validity of the member's account at the time of checking the account, inquiring about the payment ability by the trading value, and Electronic payment using a merchant inquiry and collation method by an internet broker, which is only a transfer instruction and the member's account information is maximally protected.