JP2002015250A - Card settlement system with portable telephone set - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system which makes it possible to order a commodity or a service by using a portable telephone set and further pay for them by using a credit card. SOLUTION: A settlement mediation server 10 is equipped with an index database 11 for identifying registered members, an index database 12 for identifying registered shops such as a mail-order company, and a database 13 wherein the credit-card use details of the registered members are recorded. This server 10 can be accessed from portable telephone sets P1......Pn and is capable to perform data communications with credit servers 201......20n of credit companies and shop servers 301......30n of mail-order companies, etc.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system for settling goods and services by a credit card using a portable telephone.

[0002]

2. Description of the Related Art The use of i-mode and other portable telephones in terminals has been rapidly expanding. This makes it possible to search for goods and order products from a mail-order company or the like using a mobile phone, but payment is usually made by a convenience store or bank transfer based on a billing slip.

[0003]

SUMMARY OF THE INVENTION Accordingly, an object of the present invention is to make it possible to place orders for goods and services at any time and at any place by using the excellent mobility of a mobile phone, and to settle the payment with any credit card. The goal is to provide a system that can do this.

[0004]

According to the present invention, a registered member index database having at least an ID, a password and a credit card number of registered members, and a registered shop having at least a registered number of registered stores are provided. A settlement intermediation server provided with an index database is provided, and the settlement intermediation server is capable of data communication with a credit server having a registered member database of each credit company and a shop server having a product database of each registered shop, In addition, data communication is made possible with the settlement mediation server using a mobile phone.

[0005] The registered member database includes at least information on the registered member of each credit card company, such as the address and name, date of birth, credit card number, expiration date of the card, and credit limit. At least information on the product name, product number, and product price is included.

[0006]

BRIEF DESCRIPTION OF THE DRAWINGS FIG.
It will be described based on the following. FIG. 1 shows a card settlement system according to the present invention.
FIG. 3 is a diagram illustrating an example of a device configuration of a stem, and includes a credit card;
The owner of the card is a mobile phone that can communicate using i-mode, etc.
Talker P₁...... P_nRespectively, and
It becomes possible to communicate with the settlement mediation server 10 via the communication network NET.
ing. The settlement intermediation server 10 allows each credit company to
Credit server 20 owned ₁... 20_nData communication with
Products and services of mail-order companies and stores.
Server 30 of various shops selling services₁... 30
_nIt is possible to communicate with. The mobile phone P₁
...... P_nAre these servers 30₁... 30 _nCan communicate with
It has become.

[0007] As shown in FIG. 2, the settlement mediation server 10 has a registered member index database 11, a registered shop index database 12 and a usage statement database 13. The registered member index database 11 registers the registered member's address, name, gender, age, ID, password, credit card type (company name), credit card number, expiration date, e-mail address, mobile phone number, and the like. ing. The registered shop index database 12 registers the shop number, the shop name, the address, the type of business of each shop, the type of credit card that can be used, the address of a homepage, and the like. The usage statement database 13 is a file that records details such as the name of a product (including services, the same applies hereinafter), shop name, price, date and time, etc. purchased by each registered member.

The registered member database 21 provided in each of the credit servers 20 ₁ ... 20 _n is a record file of the registered members owned by each credit card company, and is settled based on the necessity of confidentiality. Normally, the mediation server 10 cannot be accessed. However, it is possible to perform, for example, a card number check, a credit limit check, an accident card check, and the like according to a request from the server 10. . Also,
If possible, it is desirable that the registered member index database 11 of the server 10 has the credit limit, the accident information, and the like.

On the other hand, the shop server 30 ₁ ... 3
Product database 31, which is provided respectively to 0 _n is, since it is intended to help promote open to the user, product name, product number, price, size, as much as possible detailed and concise record file performance, etc. It is desirable that

In the above-described system, each credit card company provided with the credit servers 20 ₁ ... 20 _n has previously concluded a business agency contract with the company that owns the settlement mediation server 10. Also, the shop server 30 ₁ ...
Each shop such as a mail order company having 30 _n stores the above-mentioned shop number and the like in the registered shop index database 12.

Next, new member registration and product order settlement processing
An example of the process will be described with reference to FIGS. Ma
Instead of using the “i-mode card payment” menu on your mobile phone.
When selected, it is transferred to the settlement mediation server 10 and shown in FIG.
The home page top 40 appears as shown in FIG.
ST₁). Then click the "New Member Registration" button
Then (step ST_Two), Entry of items necessary for member registration
A force request screen 41 appears, and step ST_ThreeRequired items 41
When a is input, the server 10 proceeds to step ST. _FourEnter with
Check for any omissions, etc.
Show, step ST_ThreeReturn to Step ST_Fiveso
Check if the desired password is duplicated.
Is displayed as in screen 43, and step ST_ThreeBack to
To re-enter. Further step ST₆Then, step
ST_ThreeWhether credit card entered in
Check if. Confirmation data (accident card or unsolvable
If the payment mediation server 10 does not have
Credit card company credit server 20₁... 20_nOut of
To the appropriate server. Step ST₆Register with
If it is determined that the display is not acceptable, a display such as a screen 44 is displayed and the top is displayed.
Return to the display of step 40. Step ST₆Determined that registration is possible
Then, the server 10 assigns an ID (step ST).₇)
The screen 45 is displayed (step ST₈) Registration completed
Become.

[0012] The process of ordering and paying for a product after member registration is completed will be described with reference to Figs. First, when the menu for "i-mode card payment" in the same manner as described above, Tsugari the settlement intermediation server 10, (identical to Figure 3) Home Top 40 as shown in FIG. 5 appears (step ST _11). The next time you click the button of "mobile shops" in step ST _12, appeared screen 46, I
D, the input of the password is prompted, by entering them in step ST _13, the settlement intermediation server 10 at step ST ₁₄
Searches the registered member index database 11 for confirmation. When the confirmation is completed, a screen 47 appears, prompting the input of the shop number. When shop ID in step ST ₁₅ is inputted, the server 10 at step ST ₁₆ is verified with registered shops index database 12. Shop names At step ST ₁₅ and ST ₁₆ can also be collated with the input.

Step ST₁₆Is completed, the server 10
Is the shop server 30₁... 30 _nOut of the step
ST_FifteenIs connected to the shop server specified by. Each
Hop server 30₁... 30_nHas its own homepage
And provide products with unique product numbers. An example
Are shown on screens 50, 51 and 52. Follow the instructions on screen 50
ST₁₇Enter the product number at
ST₁₈Check credit card usage limit at
And display the purchased product name, amount, destination, etc. on screen 51
And step ST₂₀Confirm credit card credit with
Recognition step ST_{twenty one}To display payment completion on screen 52
You.

When only the payment for the previously ordered product is to be performed, the screens 46 and 47 appear when the "payment" button on the screen 40 in FIG. 5 is clicked based on, for example, an invoice or invoice. Shop server 30 ₁ ... 30 _n
, And a screen 53 appears, for example, and when operated, a screen 54 is displayed to complete the payment.

The "mobile shop" and "payment"
The credit card number, amount, date and time of use, expiration date, etc. of each registered member used for the registration are sent from the settlement mediation server 10 to the credit server 2 of the corresponding credit card company.
0 ₁ sent to any of the ...... 20 _n, the amount of money is Furikomima to the designated bank account of registered shop, it paid to pull dropped the credit card company to the specified date from registered members of the designated bank account. In addition, it is free to intervene a collection company between the credit company and the registered shop. Furthermore, if the registered shop has its own credit card settlement system, it may be used.

If the non-contact IC chip having an antenna is embedded in the credit card and can be written by a portable telephone, it is preferable to write the ID and the password. If the data can be written in a memory detachable from the mobile phone, the data can be recorded.

[0017]

According to the present invention, as described above, since it is possible to place an order for a product using a mobile phone and at the same time, it is possible to settle the price using any credit card, it is very easy to set the date and time. It can be used anywhere and has the effect of increasing product sales and stimulating consumption.

[Brief description of the drawings]

FIG. 1 is a schematic diagram showing a device configuration of a card settlement system of the present invention.

FIG. 2 is a block diagram showing an outline of a card settlement system of the present invention.

FIG. 3 is a screen image diagram showing an example of a member registration processing process by the system of the present invention.

FIG. 4 is a flowchart showing a processing process of the embodiment.

FIG. 5 is a screen image diagram showing an example of a processing process of ordering goods and making a card payment by the system of the present invention.

FIG. 6 is a flowchart showing a processing process of the embodiment.

[Explanation of symbols]

P ₁ ... P _n mobile phone NET public line communication network ST ₁ ... ST ₈ processing step ST ₁₁ ... ST ₂₁ processing step 10 settlement mediation server 11 registered member index database 12 registered shop index database 13 usage statement database 201 ₁ . ... 20 _n Credit server 21 Registered member database 30 ₁ ... 30 _n Shop server 31 Product database 40 ... 47 Screen image 50 ... 54 Screen image

 ──────────────────────────────────────────────────続 き Continued on the front page F term (reference) 3E042 CC03 CD04 EA01 5B049 BB46 CC39 DD01 EE21 FF04 GG02 GG03 GG06 5B055 CB09

Claims (3)

[Claims] 1. A payment mediation server comprising a registered member index database having at least an ID, a password and a credit card number of a registered member, and a registered shop index database having at least a registered number of a registered shop. The server is capable of data communication with a credit server having a registered member database of each credit card company and a shop server having a product database of each registered shop, and is capable of performing data communication with the settlement mediation server by a mobile phone. Card payment system using mobile phones. 2. The mobile phone according to claim 1, wherein the registered member database includes at least information on the registered member of each credit card company, such as address, name, date of birth, credit card number, card expiration date, and credit limit. By card payment system. 3. The card settlement system using a mobile phone according to claim 1, wherein the product database includes at least information of a product name, a product number, and a product price.