JP2002042029A - Electronic settlement method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a means for safely, surely and highly reliably performing buying and selling of commodities, personal certification and electronic settlement related to business transactions even though commercial transaction activity appararetly has become active by an electronic means by an IT revolution. SOLUTION: A personal certifying agent and a settling center are arranged on a network. A menu of commodity information and business information is displayed on a terminal of a customer from a business center existing on the network. The customer automatically transmits a mail to a certifying agent when clicking the desired commodity and business from an image screen, and certifies the subject. After confirming the subject, a settling virtual URL is sent on the terminal of the customer from a certification site. The customer performs settlement by clicking the virtual URL.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

TECHNICAL FIELD The present invention relates to an EC (Elect)
Ric commerce), which secures the approval of the user at the time of electronic payment, performs highly reliable authentication, and performs the payment of commercial transactions on the Internet quickly and safely.

[0002]

2. Description of the Related Art Payments have been made using cash, credit cards, and bank cards. However, there have been many unfortunate accidents, and this has become unsuitable for the IT era.

[0003] Since the history of past transactions is not clearly recorded, it is difficult to solve problems when a problem occurs.

[0004]

SUMMARY OF THE INVENTION It is possible to obtain necessary product and business information from a terminal device and carry out payment without carrying cash. IT (Informa
In the era of Tion Technology, the settlement activity will be accelerated and the economic recovery will be promoted.

[0005] Looking at the example of stock trading, a customer visits a securities company and a bank to make a settlement, and the impossibility rate is not so specific.

[0006] Carrying large amounts of cash is dangerous. And in the processing after the occurrence of trouble after settlement,
An unclear and clear solution was difficult.

[0007]

[MEANS FOR SOLVING THE PROBLEMS] A business center for introducing products and businesses on the Internet, an authentication agent for securely performing personal authentication, a settlement center and an Internet bank for performing settlement, and an EC site are provided.

[0008] When a customer clicks on a product or business from a terminal, an e-mail is automatically sent to an authentication agent to perform personal authentication. Once you have been authenticated,
Virtual URL (Uniform) for payment from the payment center
Resource Location) to the customer terminal.

[0009]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Third generation Internet mobile communications have emerged with infinite possibilities. The keyword for this new generation is the digital mobile internet. All advanced technology and easy-to-use applications are concentrated on this keyword element.

At present and in the near future, most of personal communications such as telephones, image data, and real-time images have been performed wirelessly. The third generation mobile communication technology has been developed by network carriers (eg, NT
It has been a major business opportunity for newcomers to content providers and newcomers to the telecommunications market (such as T. Docomo).

[0011] A network carrier provides a line to a third party service provider or content provider to support a new service, or develops a new service as a content provider or service developer. it can.

A variety of development opportunities also arise for content providers. A completely new distribution channel awaits, offering new high value-added products and services. Indeed, IT (Information Tech
(nology) The revolution is not only technology, but also application and distribution.

The economy does not recover easily. In Japan, bankruptcy and unemployment has become a daily occurrence, and the people have been forced to suffer.

There is no other way than the IT revolution to break the bad environment. At the center is the mobile Internet. WAP (Wireless Application)
nProtocol) is a standard protocol at the core of this technology.

WAP stands for WWW (World Wide)
This is a protocol that enables Internet communication with the Web using a portable terminal device. the Internet·
Free access to base services.

[0016] Portable information devices become an unrivaled information channel for the distribution industry and content providers. There are already 40 million mobile phone and portable information device users in Japan and 400 million in the world.

Mobile phones and portable information devices are small and lightweight.
It was carried around in a pocket or bag, making it a convenient and essential item as an information platform. As with wallets and commuter passes, everyone came to carry it.

Although it is highly convenient as a tool of the distribution service, if the settlement of cash can be performed as in the case of a wallet, the usability will be further improved, and it must be more widely used.

In reality, there is a debit card in which a credit card or a bank card can be used as it is instead of cash. However, many accidents are dropped or stolen and misused by others.

With the spread of the Internet, business on the Internet called e-business has become active, and EC (E
(Electric Commercial) secure and reliable settlement is desired.

[0021] The present invention proposes authentication and settlement using an information terminal and the Internet in consideration of a third-generation portable information terminal. Mobile phones and personal digital assistants have unique addresses and telephone numbers. This phone number,
It is possible to perform personal authentication by using a PPS mail address and an ID number registered in the EC site in advance.

In order to improve security and reliability, a virtual URL for payment is transmitted to an authentication agent by e-mail.
(Uniform Resource Locatio
n) via the Internet.

The virtual URL is a different character and number each time and is generated at random. Customer is a virtual UR
If the payment is made by receiving L from the authentication center, security and reliability are high, and efficiency is higher than cash. Virtual U used once
RL is disposable and will not be used again.

FIG. 1 is a system configuration diagram showing a first embodiment according to the present invention. There are a shopping mall, a business center, an e-commerce site that handles e-commerce, an authentication agent that performs personal authentication, and a payment center that performs payment on the Internet via the mobile Internet.

1 is an Internet network, 2 is a network dedicated to NTT DOCOMO, and 3 is an OC of NTT Communications.
N network and 4 indicate i-mode servers. The customer 16 can click on the screen of the third-generation portable information terminal main unit 6 of the customer 16 to see a menu necessary for business.

The business menu is transmitted from the 7 business sites via the 4 i-mode server. i-mode is a product name of NTT Mobile Communication Network Co., Ltd. Seven business sites exist on the Internet, from small items such as daily necessities to large products, automobiles, home appliances and furniture to supermarkets.

Base station antenna 5 via i-mode server
Sent from more. When the customer 16 clicks a desired item from the menu, an e-mail is transmitted to the authentication agent 11 from his / her terminal 6.

The authentication agent checks the mail address registered by the customer in advance against the ID number. If they match, you can confirm that you are the person. If the personal authentication is established, the authentication center transmits a virtual URL to the terminal device 6 of the customer 16.

The virtual URL is the same character, number 2
It is a temporary issue that is not used more than once and occurs at random. If there is no response after a predetermined time after being thrown on the customer's terminal, it will automatically disappear.

When the customer 16 who has received the virtual URL clicks on the screen, his desired goods and business prices are displayed. When this is judged to be appropriate and a click is made, it means that a business has been established, and settlement is performed.

If the amount and the transaction conditions that appear when the virtual URL is clicked are judged to be valid and not clicked, the business is not established after a lapse of a predetermined time, and disappears. Therefore, the reliability and security of customers and business providers are further improved.

Reference numeral 8 denotes an EC (Electric Command).
(ce) site, in which invisible electronic money is debited from a predetermined account by the card company 15 and the bank 14 by a command of the settlement center 13 connected to 8 at the time of settlement.

The EC site 8 is connected to an insurance company (not shown), a credit union, an agricultural cooperative, and other financial institutions to perform settlement according to the business of the customer. Reference numeral 10 denotes a router for connecting to the Internet.

As described above, the 7 business sites include shopping malls, convenience stores, retail businesses, various businesses, and business types related to transactions including business intermediation.
In recent years, the Internet and computers have developed to every corner of society.

Even if there is no actual office or store, it is easy to create a virtual store on the Internet. Lawyers, patent attorneys,
From tax accountants to those who work with national qualifications as signboards, to electricians and plumbers, there is no shortage of them. If you have one personal computer at home, you need enough.

A business site provides a place where ordinary people in such a town can do business or work at a company as a side job and undertake work. The recent working environment is severe. The economy is hardly recovering despite the government's ambitious economic policies.

In addition, talented innocent human resources have been thrown out under the name of restructuring, and are unemployed every day. These people have excellent technology and skills created by the technology powerhouse Japan.

On the other hand, various industries have emerged due to the rise of the IT revolution. These industries are demanding more talent. A new economic structure different from the current company structure has come to Japan.

It is a good opportunity to open an office on the Internet without the need for funds. The business site 7 is registered in advance by a person who wants to sell goods, a person who contracts the technology and skills. You can browse these business menus anytime and anywhere using the 6 terminals.

If a fixed fee is paid as a registration fee to this site, anyone can register as long as certain conditions are satisfied. Businesses that violate public order and morals and are antisocial are naturally excluded.

A mechanism for paying a few percent of the charge to the site when a business, buying and selling, or a job transaction is completed is created. All you have to do is create a site on the net and cover the costs of running this site. Also, make the business site a corporate corporation and pay dividends when profits are generated.

The EC site 8 is a site for performing payment of money. When the user is authenticated and the transaction is completed, settlement is made with a predetermined financial institution. A card company 15 and a bank 14 are shown in FIG. Eight sites make payments with these financial institutions.

The 14 and 15 financial institutions and credit companies are relatively large. Eight EC sites have registered non-bank affiliates, agricultural cooperatives, credit unions, financial companies, and personal fund accounts. In some cases, those who have registered for the 7 business sites may want to invest personal funds without using a financial institution.

Major financial institutions and securities companies often open their own websites on the Internet. Sites 7 and 8 can also be used for personal and stock trading.

The personal authentication is performed by the e-mail number of the terminal device 6 and the ID password registered in advance. As described above, a settlement e-mail is transmitted from the terminal device 6 to the authentication agent 11, and a virtual URL for settlement is transmitted by the authentication center to establish a link.

FIG. 2 is a schematic diagram showing the exchange of personal authentication and settlement. The customer 22 browses the menu from the 7 business sites via the portable device and the personal computer. It is a matter of course that the menu can be browsed from the i-mode server 4 shown in FIG.

Is a model for browsing the menu from the 7 business sites, and the customer 22 clicks on the desired item, ticket, or business on the menu. In FIG. 2, when clicked, an e-mail is transmitted to the authentication agent 11. For example, an e-mail for payment is registered in advance 11 for authentication. When the customer clicks on the menu, the customer is automatically sent to the authentication agent.

For example, if Tanaka is a customer, ta
Naka @ soli. co. jp is sent automatically. At the same time, a virtual URL is sent reflexively from the link or the EC site 8 of the link to the authentication center. , Can be linked from either the customer's pre-registered sites, goods, business transactions, or from.

This virtual URL is displayed on the terminal of the customer 22, but disappears after a predetermined time has elapsed. That is, if settlement is not performed within a predetermined time, it is determined that the transaction is not established.
This virtual URL is used only once. Therefore virtual U
Called RL. Therefore, the URL occurs at random each time.

When the customer 22 clicks the payment virtual URL, the transaction amount is displayed. Depending on the goods and business, there may be a plurality of amounts depending on the degree. A link to click on the amount deemed appropriate for the customer is made and sent to the settlement center.

A link (not shown) may be provided on the EC site 8 described above. In some cases, the settlement link may be set to 8 EC sites depending on the type of financial institution depending on goods, businesses, or customer registration.

The time displayed on the terminal of the customer is shorter than that of the display of the virtual URL in order to secure the settlement of the amount. If the settlement is not made even after the elapse of the predetermined time, the transaction is similarly unsuccessful, and the display of the settlement of the amount automatically disappears.

If the settlement is made by the customer 22 within a predetermined time, the transaction is completed. Next, a method of withdrawing the amount is sent from a link from the settlement center 13. There are various types, such as credit card payment, cash, account name, credits paid several times.

The same applies to the eight EC sites. When the customer 22 wishes to make a cash settlement, a negotiation is concluded, a link is established with the settlement center, and a digital receipt is issued. It is strictly stored in the settlement center 13 at the same time as being sent to the terminal of the customer 22. Later, the customer will be notified in writing or other means by mail.

FIG. 3 is a block diagram showing a service model for authentication and settlement according to the present invention. There are sites for providing customers and service businesses, credit companies that make payments, and banks that are financial institutions.

In order to control authentication and settlement, there are e-mail, Web, EC site, authentication agent, authentication center, and settlement center on the net.

EC settlement is established by effectively utilizing these service sites and functions. In Japan, where there were many cash transactions, we are not used to online EC. The Japanese-style EC, which used different territories and customs than the United States, wants to obtain the results of making payments on the Internet in writing.

Therefore, there is a possibility that the model shown in FIG. 3 will grow by making the EC site a point of contact with customers at a convenience store raised in a Japanese climate.

It is also possible to place a dedicated terminal at a convenience store to receive favorite music, and to have overnight stays for weekend trips and ticket tickets issued on the spot. It is sufficient even if the goods requested at the terminal 6 are received at a convenience store, or the goods at the convenience store are settled at the dedicated terminal or the terminal 6 is used without carrying cash. It can be said that the new Japanese-style EC payment era has arrived.

FIG. 4 is a view showing a second embodiment. 2
Reference numeral 1 denotes an Internet network which includes a docomo network of NTT Mobile Communication Network Co., Ltd. and an OCN network of NTT Communications Corporation as dedicated lines. The docomo network and the OCN network are contracted with Web sites on the Internet and are not used via the Internet network, but are used as dedicated lines, thereby quickly and quickly increasing security and reliability and improving customer convenience.

There are eight EC sites, an authentication agent 11, an authentication center, a settlement center, and a financial institution 14 as described with reference to FIGS. Reference numeral 7 denotes a general business site.

The menu of goods, various business is 7
On the site. The 8 EC sites include contracts related to settlement and transactions, transactions, articles menus, and convenience store dedicated terminals. In this embodiment, various financial institutions cooperate with the EC site.

Reference numeral 41 denotes a retail business such as a supermarket, department store, store, or convenience store. 43 is the store's product BlueToo
th (standardized by a wireless communication system using weak radio waves) or IrDa (a wireless communication system using infrared rays, which is standardized similarly to Bluetooth. Similarly to Bluetooth, between terminal devices, between a terminal and a server, Mainly used for communication between PCs).

The customer 16 can browse the menus of items and businesses received by the six portable information terminal devices. The transmitter 43 is provided in the store, in the window of the store, and on the side wall of the building, and information is naturally input to the terminal 6 when walking on the road.

The convenience store 41 and the Internet network 21 are connected by wired or wireless or mobile Internet.

Reference numeral 42 denotes a vending machine. Vending machine 42
Also has 43 Blue Tooth, IrDa transmitters. The menu and the price of the product in the vending machine are input to the terminal 6 of the customer 16.

If the vending machine is a cigarette or soft drink vending machine, the type and price are displayed on the menu. When the customer 16 clicks on the screen of the terminal 6, the customer 16 transmits the settlement mail described above.

When the return virtual URL is received and the customer clicks, the settlement is established. It only takes a few minutes. The settled goods come out from the vending machine. This is an example in which a portable information terminal is used instead of a wallet without using cash.

At the convenience store 41, payment is made using the portable information device 6 in front of the clerk, and the goods are received directly from the clerk. At this time, you can get a payment statement and receipt from the terminal of the convenience store. There is no accident on both sides because no cash is exchanged.

The present invention can be applied to a convenience store 41 or a fast food store. No misconduct such as clothes related to money, which often occurs in stores, and no troubles related to change with customers occur. If the system according to the present invention is applied, an unmanned store for 24 hours is possible.

FIG. 5 is a diagram showing a series of personal authentication and settlement through a screen on a portable terminal device of a customer based on the first embodiment.

FIG. 5A shows that the customer has selected the digital camera X100L of Company X from the menu. The price was 50,000 yen. In FIG. 5B, the user decides to buy this and clicks on the screen.

When clicked, the mail address registered in advance is automatically transmitted to the authentication agent. This e-mail address is used as a basis for personal authentication. The authentication agent searches the database for its identity. FIG. 5C illustrates this.

If it is determined that the user belongs to the user, a virtual URL is sent from the authentication center in FIG. FIG. 5 (d)
Shown in When the customer clicks on this, the details of the URL are displayed. If the customer clicks on the screen again within a predetermined time, this transaction is completed. This completes the authentication and the business.

FIG. 6 shows a schematic diagram of the settlement displayed on the screen of the terminal device. In FIG. 6A, the user selects whether to perform the debit using a bank account or to indicate the card payment. Before entering this step, the customer enters his password and enters the settlement step. The password is confirmed at the authentication center 12 as to whether or not the user is the principal.

FIG. 6B is a diagram in which card payment is selected. The customer enters the ID number of his card. Register the bank account and the credit card company's card number in advance at the authentication center.

FIG. 6C is a screen for confirming whether or not it is good. If you click No, the transaction will disappear at this point as if there was no business. Click Yes to complete the transaction. This step (1) is displayed for a certain period of time to ensure safety. If there is no click response even after the lapse of the predetermined time, the process returns to the step of FIG. If this step is repeated several times, the transaction will disappear to prevent accidents.

Clicking Yes in FIG. 6C completes the transaction. The amount is debited from the predetermined account, and a digital receipt is issued in (d). This digital receipt is stored in the memory of the terminal device and is also stored in the database of the settlement center. At a later date, a receipt will be sent by mail from the payment center.

In some cases, the credit card usage statement and the telephone call charge are mailed together from the settlement center. However, depending on the size of the business, contracts and seals are required for transactions, brokerage, etc. In such a case, the exchange of documents by mail or going to the office is performed in parallel with the electronic settlement to ensure security and reliability.

FIG. 7 shows an example in which when purchasing goods from a vending machine, electronic payment is made from a portable terminal instead of coins. Payment can be made in the same time as when a coin is put into a vending machine and a product is taken out.

FIG. 7A shows the second embodiment of FIG. 4 in which merchandise information appears on the screen of the customer terminal by IrDa and Bluetooth 43 in the vending machine 42. Customers click on the product they want.

In FIG. 7B, when a product is clicked, an e-mail requesting the transmission of the settlement virtual URL is automatically transmitted to the authentication agent 11. A virtual URL for settlement is sent from the authentication center 12. This is shown in FIG. Only a predetermined time is displayed to ensure safety.

When the virtual URL is clicked, the settlement price of the product is displayed in FIG. 7D. Clicking on this displays the settlement method in (e). When a predetermined ID password is input, settlement is possible. The only option is to debit your bank account or choose a credit.

In FIG. 7F, a product is taken out of the vending machine. A digital receipt is issued. Since the receipt is small as described above, the receipt is collectively mailed after a predetermined period of time. Similarly, it is stored in the database of the settlement center.

FIG. 8 shows an example in which shopping is performed by electronic payment from a relatively large store such as a convenience store, a store, a supermarket, or a department store in the second embodiment of FIG.

In FIG. 8A, a menu is automatically input to a customer's portable terminal by IrDa and Bluetooth 43 from the neighborhood or inside the store 41 in FIG. This example shows a model when a man stops at a shoe store.

In FIG. 8A, the customer clicks on the desired shoe from the menu. In (b), the shape and size of the shoe come out in a close-up. Because it is at the storefront, the actual thing, of course,
Can be seen by hand. Because you see the picture, drawing, size, and actual thing displayed on the screen of the mobile terminal, you have a wealth of product information, and you can quickly find what you want.

If there is a favorite product, click Yes. Clicking No returns to the menu at the beginning of (a). In FIG. 8C, when the user clicks Yes, an e-mail requesting transmission of the settlement virtual URL is automatically sent.

If the authentication agent confirms the identity of the user, the virtual URL for settlement is set by the 12 authentication centers.
Is sent. The virtual URL in (d) is displayed for several minutes to ensure security. The URL also displays the price of the product desired by the customer. When clicked, the screen for the settlement method is displayed in FIG. The password is entered and the settlement center 12 confirms the identity again.

In (e), a settlement method, a credit card or a bank account, is selected. In any case, the payment is made by entering the card password and the password of the bank account.

A digital receipt is issued from the authentication center. At the same time, a digital sales slip and a receipt for the product are issued to the store terminal from the authentication center at the store. The customer can buy the desired shoes from the store by electronic payment without moving cash.

Here, the exchange of cash is not performed between the clerk and the customer. Since all payments are made electronically, there is no scandal related to money. Since all records remain in the database of the certification center, processing such as tax-related applications and insurance for accidents can be carried out reasonably smoothly.

[0093] Current credit cards are useful and useful because they are convenient. However, many accidents occur and good consumers often hesitate to use credit cards due to insufficient processing.

[0094] It is often the case that a large amount of charge is received that the user does not remember, or that a larger amount of charge is received than the amount actually used.
In addition, the card may be dropped or stolen and abused by others. Credit card companies are not always quick and don't provide enough compensation. In many cases, the investigation is postponed and it is neglected.

[0095] In particular, if the above-mentioned damages are not taken without sufficient care when using the card in a foreign country, the card company often takes a long time to investigate, and the consumers often fall asleep. However, on the other hand, card companies are setting a point system for each use, providing mileage services in partnership with airlines, and expanding services.

This electronic payment system is an IT system for wiping out accidents associated with the current credit card and crying of consumers.
It is the core of the revolution. The Internet is evolving on a global scale, and has become a global means of communication that covers the globe.

FIG. 9 is a flowchart showing a series of procedures from personal authentication to settlement.

At STP901, a menu is displayed on the customer terminal. When a customer calls and displays the information from a business site or an EC site on the Internet, the information is automatically input at a street corner, in a store, near a vending machine, as in the second embodiment shown in FIG. There are cases.

At STP 902, the customer clicks on a desired product. The STP 903 displays the details of the clicked product, the price, and the delivery date. In STP904, if the customer agrees to the purchase or transaction of the product or business, the user clicks Yes. If No, return to STP901 and try again.

In STP905, if the user clicks Yes in STP903, an e-mail is automatically sent to the registered authentication agent so as to send the settlement virtual URL.

The authentication agent receiving the e-mail,
After confirming the identity of the user by comparing the registration list with the e-mail address, the virtual URL is sent to the customer in STP906.

In STP907, the URL for settlement is displayed on the screen of the customer terminal. This URL has a structure in which the character and the number change at random each time to ensure the safety and reliability, and the same thing is not sent again. If there is no response even after the required time has passed, it will automatically disappear as if there was no transaction.

STP907 shows a state where the URL is displayed for 10 minutes. In STP908, virtual U
The customer clicks on the RL. Click to settle payment terms,
You will be asked how to pay the amount, for example how many monthly payments, bank account debit or credit card.

STP 909 is this step, which is not shown in the flowchart. However, when entering this step, the customer inputs a password registered in advance,
Send to certification center. The authentication center confirms the password and authenticates the user. This step requires caution as the actual value of the goods and business transactions move.

At STP 910, the user clicks after confirming purchase and transaction conditions. This click makes the final decision on the transaction. Here, if the customer needs to reconsider and click No, the transaction is not established and the money does not move at all.

At STP911, the settlement center issues a digital receipt. At the same time, the history of the receipt is stored in the database of the settlement center. When purchasing at a vending machine or shopping for a small item at a store, a receipt is mailed as a statement of use every predetermined period.

[0107] The customer can also check the history of the purchase, the transaction conditions, and the payment in the memory of the customer's terminal by comparing it with the statement of use mailed from the payment center.

Conventionally, when shopping with a credit card,
Few people keep receipts and copies unless they are special. Many people look at the statement sent by the credit card company and ask whether they have spent this amount. The use of the settlement system according to the present invention eliminates such concerns at all.

[0109] At STP912, payment is made and the product is received. In the case of performing at a store front, a receipt is also displayed from the settlement center on the terminal on the store side, so that the item can be delivered to the customer after confirmation.

In a vending machine, a product comes in front of you. All of these payments have a history in the payment center, your own terminal, and the terminal of the store, so there is no accident like a conventional card, and you can go back in the past and resolve any trouble at once. There is an advantage that.

[0111]

As described above, the use of the present electronic settlement system enables secure, reliable, and reliable transaction and settlement of business and settlement of business transactions without using cash, bank transfer, or credit card. High settlement is possible.

An e-mail for payment is transmitted to the authentication agent, the authentication agent authenticates the user, and the authentication center sends a virtual URL for payment to the customer.

The customer clicks the received URL and inputs a password registered in advance, and then makes a final settlement.

Since all settlement histories are stored and held in the database of the authentication agent, the terminal of the customer, the store, and the terminal on the business side, even if a trouble relating to the settlement occurs later, it can be easily solved.

[Brief description of the drawings]

FIG. 1 is a system configuration diagram showing a first embodiment according to the present invention.

FIG. 2 is a diagram showing a flow of a customer, authentication, and decision making in the embodiment.

FIG. 3 is a diagram showing a service configuration of authentication and approval in the embodiment.

FIG. 4 is a system configuration diagram showing a second embodiment.

FIG. 5 is a diagram showing a procedure for extracting a menu from a Web site and obtaining personal authentication.

FIG. 6 is a diagram showing settlement.

FIG. 7 is a diagram showing a procedure for purchasing an article from a vending machine.

FIG. 8 is a diagram showing a procedure for downloading a menu from a store to a portable information device and performing settlement.

FIG. 9 is a flowchart showing a procedure of purchase, authentication, and settlement of a product.

[Explanation of symbols]

 1. Internet network 2. 2. Network dedicated to NTT Mobile Communication Network Co., Ltd. 3. NTT Communications Corporation OCN Network I-mode server 5. Mobile Internet base station 6. Portable information terminal 7. 7. Store, company, business, business brokerage EC site 9. Internet line 10. Router 11. Authentication agent 12. Authentication center 13. Payment center 14. Bank 15. Card company 16. Customer 21. Internet network, company-dedicated network 31. Service structure 41. Shops, department stores, convenience stores 42. Vending machines 43. Product information transmitter

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 506 G06F 17/60 506 512 512

Claims (6)

[Claims] 1. An agent for personal authentication and a URL (Uniform Resource) for personal authentication on a portable information device, a mobile wireless Internet, and the Internet.
Electronic payment, in which a payment center is provided from a customer's account by a card company and a bank from a payment center provided on the Internet by a customer performing payment on the Web, and an authentication center for transmitting a location. the method of. 2. The customer according to claim 1, wherein the customer can browse various business and merchandise sales and purchases provided on the Internet from a menu, select a favorite business and merchandise from a browser on a terminal, and register in advance the authentication. A method of electronic payment, characterized in that a virtual URL for personal authentication is obtained by sending an e-mail for sending a payment URL to an agent. 3. The method according to claim 1, wherein the URL is a temporary virtual URL, and the URL disappears after a predetermined time.
The method of electronic payment, characterized in that the characters and numbers of each character change arbitrarily each time, and do not use the same. 4. The customer clicks the virtual URL sent for settlement as a settlement means, inputs a password for personal identification registered in advance in the settlement center to the terminal device, and stores the password in the settlement center. An electronic payment method, wherein a virtual URL can be opened only when the password matches a given authentication password. 5. The method according to claim 4, wherein the amount and the transaction conditions displayed by clicking the virtual URL are automatically erased even if a predetermined time has passed and there is no click of settlement, and all transactions are invalidated. Electronic payment method characterized by doing. 6. A transmitter for transmitting product information to a store or a vending machine, comprising a transmitter using Bluetooth or IrDa, automatically inputting the information to a customer's terminal device, and the customer clicks the input product information on a screen. And a method for electronic payment, wherein a virtual URL is automatically received and settled.