JP2002063537A - Method and system for settlement using internet and telephone - Google Patents

Abstract

PROBLEM TO BE SOLVED: To obtain a settlement system which can carry out personal identification and settlement for mail order, etc., using the Internet, safely and easily by using telephone. SOLUTION: The figure shows a schematic showing the constitution of this settlement system 10 using the Internet and telephone. In the figure, this system is constituted including a shopping site 30, such as an electronic mall, that a user 20 accesses by using the Internet and a mail order company, etc., operates, a settlement site 40 that a settlement service company performing settlement for articles operates, and a telephone company 50 which confirms and authenticates the user 20. The user can easily be identified with the telephone number and credit corresponding to the user individual can be given according to the kind of a telephone set such as fixed telephone and portable telephone. Further, since the price of a commodity is paid together with the telephone charge of the telephone set, the settlement can be made surely.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment method and a payment system, and more particularly, to a payment method and method for performing identity verification and payment using a telephone in mail-order sales or the like using the Internet. It relates to a payment system.

[0002]

2. Description of the Related Art In recent years, various products have been purchased, air tickets, theaters and the like have been reserved while staying at home via the Internet using a telephone line or the like. Various systems have been proposed in which a bank card is settled at a later date using an issued credit card.

FIG. 7 is a flowchart showing an outline of a conventional settlement system for purchasing a product using the Internet. In the figure, when shopping is performed using the Internet, a member is usually registered in advance in order to confirm the identity and confirm the payment (S1). At the time of shopping for a product, a credit card number is entered to confirm the identity of the user and secure payment (S2). Here, instead of performing payment with a credit card, a fixed amount (for example, about 3,000 yen) of a prepaid card is purchased and payment is performed with this prepaid card. In this case, payment is made using a password corresponding to the prepaid card, and the purchaseable data after the purchase of the product is recorded on the prepaid card (S3).

[0004] When the settlement made by the credit card or the prepaid card is confirmed, the merchandise is delivered to the merchandise purchaser by home delivery or the like (S4). If the payment is made by credit card, the purchase price of the merchandise is deducted from the buyer's bank account after a lapse of a predetermined period (S
5).

[0005]

The settlement at the time of the purchase of goods using the Internet is performed as described above, but the prior member registration (S1) has been conventionally performed by personal computer communication or the like. However, there was a problem that prior member registration was troublesome. In other words, new buyers cannot purchase products immediately, and if they purchase products on the same shopping homepage on a daily basis, it is worthwhile to become a member. It is not realistic. In addition, there is a security problem in performing settlement using a credit card, and there is also a problem that many people have difficulty in inputting a credit card number.

The present invention has been made to solve such a conventional problem. In mail-order sales or the like using the Internet, identity verification and payment are performed safely and simply using a telephone. The purpose is to obtain a payment system that can do.

[0007]

SUMMARY OF THE INVENTION In order to solve the above-mentioned problems, a payment method according to the present invention provides a method for allowing a user who uses an information terminal and / or telephone capable of accessing the Internet to pay for goods on the Internet. A price settlement method for settling a value including a service price, wherein the user selects a desired product or service at a shopping site where the product or the service is provided. Transmitting the user identification information and authentication information set in advance to the payment site at the time of payment, the payment site comparing the user identification information and authentication information, and the payment site However, when there is no problem in the result of the collation, the product or the And transmitting the settlement information such as a-bis, the goods and the purchase price of the service or the like, it is intended to include a step to be settled by the same procedures and usage fee of the communication operators.

[0008] Preferably, the step of the user transmitting a use application including information on a communication carrier used by the user and a telephone number to be used to the settlement site, and the payment settlement site transmits the received telephone number to the settlement site. Transmitting to the telecommunications carrier to ask for collation, transmitting the collation result to the settlement site, and the payment site making a credit determination of the user based on the collation result. And transmitting the user identification information to the user when there is no problem in the result of the credit determination.

[0009] Preferably, the collation result includes information on the usage fee and the payment status of the telecommunications carrier, and the payment site sets a credit frame for the user based on the collation result.

[0010] Preferably, the credit line does not exceed a usage fee of the communication carrier.

[0011] The payment site can set an appropriate credit line based on the collation information. This is because it is considered that the user or the holder of the telephone number has sufficient ability to pay if the daily usage fee is about the same.

[0012] According to the payment settlement method of the present invention, a user who uses an information terminal and / or a telephone set capable of accessing the Internet settles a payment for a value including a price for a product and a price for a service on the Internet. A settlement method, in a payment settlement site, performing user registration by returning user identification information and authentication information to a telephone number used by the user; and in a shopping site linked to the payment settlement site,
The user selects a desired product and / or service, and at the time of payment, the user transmits the user identification information and authentication information to the payment site, and the purchase price of the product, etc. And performing a settlement by the same procedure as the call charge of the telephone used by the user.

Preferably, after the step of selecting the product, a step of performing the user registration is performed.

[0014] If the user obtains the user ID and password of the payment site in advance, the subsequent procedure is simplified. The payment site is for the carrier's site received from the user, whether the phone number is actually used, how long it has been used, how much the average communication cost, The name requires information such as someone. On the other hand, the site of the communication carrier notifies at least a part of the requested information as a collation result. The payment site does not necessarily require that all information be transmitted to the carrier's site. This is because the data on the users owned by the communication carrier cannot be easily provided to the outside from the viewpoint of protection of privacy and the like. By doing so, the communication carrier can easily cooperate with the settlement site. On the other hand, from the viewpoint of the settlement site, it is possible to make a certain credit judgment even with some information. For example, a small amount of credit is less risky, at least if the telephone number is currently in use. If not used, credit will be higher and credit lines can be increased. Further, if the holder of the telephone number matches the user, the credibility will be higher. However, this is not required.

[0015] Preferably, the shopping site is:
After the payment site receives the information confirming the user identification information and the authentication information from the payment site,
The method further includes the step of sending out a product that the user desires to purchase.

Preferably, the method further includes the step of remitting a part of the price of the goods and the services settled by the same procedure as the call charge from the telephone company to the payment site and the shopping site. .

[0017] The price settlement system according to the present invention is a method for allowing a user who possesses an information terminal and / or a telephone set capable of accessing the Internet to settle the price of value including the price of goods and services on the Internet. A settlement system, wherein the price settlement system includes a shopping site including a commodity service information database and a commodity information server that stores commodity and / or service information, and a price settlement site including a registered customer information database and an information processing server. , A telecommunications carrier site comprising a telephone holding customer information database and an information processing server, the payment settlement site performs user registration by returning user identification information to a telephone number of a telephone used by the user, The price of the product or the service is paid by the user Characterized in that it is settled by the same procedure as the telephone call charge for owned.

[0018] The settlement method according to the present invention is a financial obligation borne by a user who has concluded a communication service provision contract with a telecommunications carrier for an information communication terminal or telephone which can access the Internet. A payment method for settingtle a financial obligation other than consideration on the Internet, wherein a payment site that manages the payment method issues user identification information and authentication information, and when the specific financial obligation is settled, The user transmitting preset user identification information and authentication information to the payment site; collating the user identification information and authentication information issued by the payment site with the user identification information and authentication information transmitted by the user; And the settlement site sends settlement information to the communication carrier according to the collation. Comprising the steps of, receiving the payment information; to charge the user of money the operators correspond to the monetary liability in conjunction with consideration of the communication Service Contract, a.

[0019] The method for registering a user to a settlement site on the Internet according to the present invention is a method in which a user who has concluded a communication service provision contract with a telecommunications carrier with respect to an information communication terminal or telephone that can access the Internet is a financial obligation. A method for registering a user on a settlement site for paying a financial obligation other than consideration relating to the communication service providing contract on the Internet, wherein the user is the information communication terminal according to the communication carrier and the communication service providing contract. Or transmitting the first information specifying the telephone to the payment site, and transmitting the communication company and the first information to which the payment site has received the transmission to the communication company, A step in which the carrier checks the first information; and, in accordance with the check, the payment site And transmitting the user ID to the user, the.

[0020] Preferably, the method further comprises the step of the settlement site making a credit judgment of the user according to the collation. According to the present invention, the payment settlement site mediates between the shopping site and the telephone company, registers the user by returning the user ID and password to the telephone number of the telephone owned by the user, and purchases the product or the like. Since the price is settled together with the telephone charge of the telephone owned by the user, the identity can be easily confirmed by the telephone number as long as the relationship that the person who places the order through the telephone number is equal to the owner of the telephone number is established. In addition, it is possible to perform credit according to the individual user according to the type of telephone such as a fixed telephone and a mobile telephone. Further, since the price of the product is settled together with the telephone call charge, the price can be reliably collected.

[0021]

DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 shows a payment system 1 using the Internet and a telephone according to an embodiment of the present invention.
FIG. 2 is a schematic diagram showing a configuration of a zero. In the figure, the system includes a shopping site 30 such as an electronic mall operated by a mail order company and the like, which is accessed by a user 20 using the Internet, and a price settlement site operated by a price settlement service company which performs price settlement of goods. 40 and user 20
A telephone company 50 for confirming and authenticating the user is configured.

The user 20 has a fixed telephone or a portable telephone,
An information terminal 2 such as a mobile phone, various information terminals, etc., which has a telephone 21 such as an HS and can be connected to a personal computer or the Internet.
2 is in an environment where it can be used. The shopping site 30 includes a product information database 31 containing product information and the like, a product information server 32, and the like. The payment site 40 includes a registered customer information database 41, an information processing server 42, and the like. The telephone company 50 includes a telephone holding customer information database 51 and an information processing server 5.
2 and so on.

FIG. 2 is an overall flowchart showing a procedure of a price settlement method when a user 20 purchases a product using the price settlement system 10 using the Internet and a telephone according to an embodiment of the present invention. Yes, Figure 3
FIG. In these figures, first, the user 20 accesses a shopping site 30 such as an existing electronic mall using the information terminal 22 via the Internet (S20). Next, the user 20
Selects the product desired to be purchased and determines the payment amount (S21). When the user 20 uses the payment system using a telephone (S22), it is necessary to perform user registration in advance (S23). However, if user registration has already been completed, it is not necessary to perform the user registration procedure.

Here, when the user 20 first uses the payment system according to the present invention, user registration is performed at the payment site 40. This payment site 4
The user registration procedure at 0 will be described with reference to the flowchart of FIG. 4 and the schematic diagram of FIG. The user 20 accesses the payment site 40 using the Internet and performs user registration (S40). That is, user 2
0 is a payment site linked to the shopping site 30 by inputting the telephone number, telephone company name, user ID, address, name, date of birth, gender, reissue word, etc. of the telephone used by the user. 40 (S41).

Next, the payment settlement site 40
Is transmitted to the telephone company 50 (S42).
The telephone company 50 collates the information transmitted from the payment site 40 with the personal information held by the telephone company 50 (S43). The telephone company 50 confirms the personal information, and transmits the collation result to the payment settlement site 40. The payment site 40 determines credit based on the collation result from the telephone company 50 (S44). As a result, if the registration is approved according to the predetermined condition (see the portion A in FIG. 5), the information processing server 42 of the payment site 40 sets the registered telephone number to the user ID and the automatically generated The returned password is automatically returned (S45). At this time, the reply is made by automatic voice, mail, or the like.

If the registration is not approved (see B in FIG. 5), the user 20 is notified of the refusal of use (S).
46), and return to S41. Then, when the user 20
The user registration is completed by receiving D and the password (S47). Therefore, a user ID and a password can be obtained before using the product purchase service. It should be noted that the password can be changed to another password after the user has received it.

Here, since the user registration is performed by returning the user ID and the password to the telephone number of the telephone owned by the user, the credit corresponding to the individual of the user according to the type of telephone such as a fixed telephone or a mobile telephone. It can be carried out. For example, an owner who has been using a fixed telephone or mobile phone in the name of an individual for one year or more may give credit almost unconditionally. In the case of a private telephone in the name of an individual and used continuously for less than one year, for example, a small amount (10,000 yen / month or less) is initially small, and it is acceptable if the amount is increased according to the performance. In addition, in the case of a mobile phone in the name of an individual and used continuously for less than one year, for example, a small amount (5,000 yen / month or less) is initially small and is allowed if the amount increases according to the actual performance.

On the other hand, in the case of a fixed-line telephone or a mobile telephone in the name of the company at work, user registration is not possible. Even if a child applies at home without permission, there is little problem if the amount is small. In addition, when applying for a mobile phone, even if the mobile phone is immediately canceled, a small amount of money can reduce the loss. As described above, according to the present invention, students and young people who do not have a credit card but do have a mobile phone can easily and safely perform payments safely and conveniently. Also, since we do not use credit cards, etc.
There are few security problems, and users can shop with peace of mind.

Referring to FIG. 2 again, at the time of settlement, the user 20 who has selected the product desired to be purchased and has completed user registration,
The user information is input to the payment site 40 linked from the shopping site 30 (S24).
That is, the user 20 inputs and transmits a telephone number, a user ID, and a password. When the information of the registered user 20 is confirmed (S25), the personal information and the price of the product are displayed on the price settlement site 40 (S26). The user's intention to purchase the product is confirmed (S27), and the product purchase information is transmitted from the information processing server 42 of the payment site 40 to the telephone company 50 (S28). The above is
This corresponds to the portion A in FIG. On the other hand, if the user ID and password are input and transmitted, and the information of the registered user 20 is not confirmed, a notice of refusal of credit is given corresponding to the portion B in FIG.

The payment site 40 is compared with its own information (S29), and the purchase price is charged together with the telephone charge of the user 20 (S30). In addition, price settlement site 4
From 0, the product purchase information is also transmitted to the shopping site 30 and the telephone company 50 (S31). After the product purchase information is confirmed in the shopping site 30 (S3
2) The merchandise delivery company 60 ships the merchandise or transmits data to the user 20 (S33). Here, the data transmission means that the purchase target is not limited to the product, but also includes various data such as music, images, moving images, and the like, and includes data transmission as the purchase target. Similarly, the present invention can be applied.

The information of the purchaser from the payment site 40 is also transmitted to the telephone company 50 at the same time. User 20
Receives the purchased product or data (S34). On the other hand, the purchase price of the product is billed together with the telephone charge of the telephone owned by the user 20 (S35). User 20
Can be settled by transfer to a bank or the like or by debit from a bank account. Therefore, the payment can be reliably collected.

Next, the transfer of money between the shopping site 30, the payment site 40, and the telephone company 50 is performed as shown in the flowchart of FIG. In FIG. 6, after the payment system 10 using the Internet and the telephone according to the embodiment of the present invention is completed, or when the user 20 information and the product purchase information in the middle thereof are determined, the information processing of the payment site 40 is performed. The user information and the price information of the product are transmitted from the server 42 to the telephone company 50 (S60). The telephone company 50 checks the transmitted information against the data stored in the telephone customer database 51 (S61). Information on the user 20 is accumulated in the registered customer database 41 of the payment site 40 and the telephone customer database 51 of the telephone company 50 (S62, S6).
3). The information for each user 20 of the shopping site 30 is also stored in the registered customer database 4 of the payment site 40.
1 (S64).

Next, from the payment settlement site 40 to the telephone company 5
0 and the user information are received from the shopping site 30 (S65, S66). The telephone company 50 and the shopping site 30 each compare the reported user information with the stored information (S67, S6).
8). The payment site 40 requests the telephone company 50 for the product purchase based on the product purchase information (S69). The telephone company 50 pays the charged amount to the payment site 40 (S70). On the other hand, the payment site 40 pays the purchase price to the shopping site 30 based on the purchase information (S71).

In the above-described embodiment, a small amount of credit is made by collating with the telephone number of the user. However, the present invention is not limited to telephone, but includes NHK, insurance, utility charges, electricity, gas, water, and the like. May be used for credit. In this case, NHK or the like is replaced in place of the telephone company 50. However, in the case of a telephone, there is an effect that a callback can be made immediately. In the case of private debit accounts such as sports clubs, it is basically allowed. However, the credit amount can be appropriately changed according to the credit of the sports club or the like itself. Even in cases other than the telephone, it is also possible to confirm by telephone, postcard, resident's card and the like.

Further, in order to prevent a case where a user is registered by stealing a telephone number of another person, the purchase amount of the first use of the user can be appropriately set according to the credit. Damages can be the limit. It is also possible to require insurance.

In the above, the detailed description of the present invention has been made on the assumption that a product is purchased on the Internet. However, the present invention is not limited to this case. Any settlement method can be applied.

The present invention is not limited to the above-described embodiments, and various modifications can be made within the scope of the invention described in the claims, which are also included in the scope of the present invention. Needless to say, this is done.

In this specification, means does not necessarily mean physical means, but also includes the case where the function of each means is realized by software.
Further, the function of one unit may be realized by two or more physical units, or the function of two or more units may be realized by one physical unit.

[0039]

As described above, according to the present invention, the payment settlement site mediates between the shopping site and the telephone company, and returns the user ID and password to the telephone number of the telephone owned by the user. Register,
Since the purchase price of the product or the like is settled together with the telephone charge of the telephone owned by the user, as long as the relationship that the person who ordered through the telephone number is equal to the owner of the telephone number is established, the purchase price of the product can be easily determined by the telephone number. You can verify your identity. In addition, it is possible to perform credit according to the individual user according to the type of telephone such as a fixed telephone and a mobile telephone. Further, since the price of the product is settled together with the telephone call charge, the price can be reliably collected.

[Brief description of the drawings]

FIG. 1 is a schematic diagram showing a configuration of a payment system 10 using the Internet and a telephone according to an embodiment of the present invention.

FIG. 2 is a flowchart illustrating a procedure of a payment method using a payment system using the Internet and a telephone according to an embodiment of the present invention;

FIG. 3 is a schematic diagram showing a procedure of a payment method using a payment system using the Internet and a telephone according to an embodiment of the present invention;

FIG. 4 is a flowchart illustrating a procedure of user registration.

FIG. 5 is a flowchart illustrating a procedure of user registration.

FIG. 6 is a flowchart showing the transfer of money between a shopping site, a payment site, and a telephone company.

FIG. 7 is a flowchart showing an outline of a conventional payment system for purchasing a product using the Internet.

[Explanation of symbols]

10: payment system, 20: user, 21: telephone,
22 information terminal, 30 shopping site, 31 product information database, 32 product information server, 40 payment settlement site, 41 registered customer information database, 42
... information processing server, 50 ... telephone company, 51 ... telephone holding customer information database, 52 ... information processing server, 60 ... commodity delivery company.

Claims (12)

[Claims] 1. A price settlement method for allowing a user using an information terminal and / or a telephone set capable of accessing the Internet to settle the value of the product and the value of the service including the price of the service on the Internet, In a shopping site where goods and services are provided, the user selects goods and services that the user wants to provide, and at the time of payment, the user pays for user identification information and authentication information set in advance. Transmitting to the site, the payment settlement site collating the user identification information and the authentication information, and the payment settlement site, when there is no problem in the result of the collation, the communication carrier used by the user Transmitting settlement information of the product or the service to the product, the product or the service or the like; Purchase price is characterized in that it comprises the steps are settled by the same procedures and usage fee of the communication operators, payment method using the Internet and telephone. 2. The user transmits to the settlement site a use application including information on a communication carrier used by the user and a telephone number to be used, and the payment settlement site transmits the received telephone number to the settlement site. Transmitting to a telecommunications carrier to ask for collation; transmitting the collation result to the payment site by the telecommunications carrier; and making the payment settlement site determine the credit of the user based on the collation result. Wherein the payment settlement site transmits the user identification information to the user when there is no problem in the result of the credit determination. Method. 3. The collation result includes information on a usage fee and a payment status of the communication carrier, and the price settlement site sets a credit line for the user based on the collation result. Claim 2
Payment method using the internet and telephone described. 4. The method according to claim 3, wherein the credit limit does not exceed a usage fee of the communication carrier. 5. A price settlement method for a user using an information terminal and / or telephone capable of accessing the Internet to settle the value of the product and the value of the service, including the price of the service, on the Internet. A step of performing user registration by returning user identification information and authentication information to a telephone number used by the user at the payment site; and at a shopping site linked to the payment site, a product and / or a product desired by the user. Selecting a service; transmitting the user identification information and authentication information to the payment site at the time of payment; and purchasing the product or the like with a telephone charge of a telephone used by the user. A step of being settled by a similar procedure. Net as the payment method using the phone. 6. The payment settlement method according to claim 5, wherein a step of performing the user registration is performed after the step of selecting the product. 7. The shopping site may further include, after the payment site receives information confirming the user identification information and the authentication information from the payment site, sending out a product that the user desires to purchase. 6. The payment method using the Internet and a telephone according to claim 5, wherein the payment method includes: 8. The method according to claim 8, further comprising the step of remitting a part of the price of the product or the service settled in the same procedure as the call charge from the telephone company to the payment site and the shopping site. 6. The payment method using the Internet and a telephone according to claim 5, characterized in that: 9. A price settlement system for allowing a user who owns an information terminal and / or a telephone set capable of accessing the Internet to settle the value of the product, including the price of the service, on the Internet. The payment system includes a shopping site having a product service information database and a product information server containing product and / or service information, a payment site having a registered customer information database and an information processing server, a telephone holding customer information database, A telecommunications carrier site comprising an information processing server, wherein the payment site performs user registration by returning user identification information to a telephone number of a telephone used by the user, and performs registration of the product or the service. The price is the same as the telephone charge of the telephone owned by the user. Payment system using the feature to, the Internet and telephone to be settled by the procedures. 10. A monetary obligation borne by a user who has concluded a communication service provision contract with a telecommunications carrier for an information communication terminal or telephone set capable of accessing the Internet, the monetary obligation other than the consideration relating to the communication service provision contract. A payment method for performing payment on the Internet, wherein a payment site that manages the payment method issues user identification information and authentication information, and when the specific debt is settled, the user is set in advance. Transmitting user identification information and authentication information to the payment site; collating user identification information and authentication information issued by the payment site with user identification information and authentication information transmitted by the user; The payment site transmitting payment information to the carrier in response to Receiving payment information, the communication carrier includes the steps of claim to the user together with the consideration of the communication Service Contract the corresponding monetary the payables method of payment on the Internet. 11. A monetary obligation borne by a user who has concluded a communication service provision contract with a telecommunications carrier for an information communication terminal or telephone set capable of accessing the Internet, wherein the monetary obligation is other than consideration for the communication service provision contract. A method for registering a user on a settlement site for settlement on the Internet, wherein the user sets first information for specifying the communication carrier and the information communication terminal or the telephone associated with the communication service provision contract with the settlement site. Transmitting the payment carrier and the first information to which the payment site has received the transmission, to the communication carrier; andthe communication carrier collating the first information. Wherein the settlement site transmits a user ID to the user in response to the collation. How to user registration to the settlement site on the Netto. 12. The settlement site according to the verification,
12. The method of registering a user with a settlement site on the Internet according to claim 11, comprising the step of determining the credit of the user.