JP2002083243A - Price payment method over the internet using cellular phone - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a price payment method over the Internet, capable of performing a transaction without having to disclose individual information at each transaction. SOLUTION: This price payment method over the Internet is for an internet transaction by use of a cellular phone 12a having an IC card mounted thereon, a customer has the IC card equipped with a code key for specifying the customer and a code function. When the customer 1A uses the cellular phone, having the IC card mounted thereon as the contact telephone to a store 2, the transaction is started, after the propriety of the cellular phone has been authorized by the use of the code key stored in the IC card and the code function.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for performing payment using a mobile phone when purchasing goods on the Internet. You can trade without disclosing your personal information,
This method is suitable for relatively small-scale internet transactions and payments.

[0002]

2. Description of the Related Art The "e-consumption" of purchasing goods and services using the Internet is expanding. However, at present, when purchasing goods on the Internet, it is common to input personal information such as a credit number and a date of birth to pay and settle the price. In this case, personal information is abused when such information is known to a third party, and in some cases, damages such as purchase of goods without the purchaser's knowledge are increasing.

[0003]

Therefore, in the present invention,
The purpose of this study is to study Internet transactions and payment methods without using personal information for each transaction.

[0004]

A first aspect of the present invention for solving the above-mentioned problems is that in an Internet transaction using a mobile phone equipped with an IC card, a customer has an encryption key and an encryption function for identifying the customer. When the customer uses a mobile phone equipped with the IC card as a telephone for contacting a store, the customer uses the encryption key and the encryption function recorded on the IC card. A method of starting a transaction on the Internet using a mobile phone, wherein a transaction is started after the validity of the mobile phone is authenticated. With this payment method, payment can be made without disclosing personal information.

The second aspect of the present invention for solving the above-mentioned problems is as follows. In the Internet transaction using a mobile phone equipped with an IC card and a personal computer, the following processes (1) and (2) The use of a mobile phone for settlement of the payment of personal information such as a mobile phone number and the disclosure of a personal identification number to apply for a store, and the store shall provide an encryption key for authenticating the mobile phone and Registering the mobile phone number or the like of the applicant having the IC card with the encryption function recorded in the host computer, and allowing the customer to access the site of the store using the customer personal computer and purchase the product to be purchased. Selecting and inputting a will of purchase and a mobile phone number;
When calling using a mobile phone equipped with a C card,
Using the encryption key and encryption function recorded on the IC card to authenticate the validity of the mobile phone, and after the validity of the mobile phone is authenticated, the transaction is confirmed and thereafter the payment is made by a predetermined method. Settlement method on the Internet using a mobile phone, comprising: With this payment method, payment can be made without disclosing personal information.

A third aspect of the present invention for solving the above-mentioned problem is as follows. In the Internet transaction using a mobile phone equipped with an IC card, the following process (1), when the transaction starts, the customer pays for the Internet transaction. The use of a mobile phone, the disclosure of personal information such as a mobile phone number, the notification of a personal identification number, and the application to a store.The store has an encryption key and an encryption function for authenticating the mobile phone. Registering the mobile phone number and the like of the applicant having the recorded IC card in the host computer, and using the mobile phone equipped with the IC card, the customer accesses the site of the store and makes a purchase. Select the product and enter the purchase intention and the mobile phone number. Search for validity of the mobile phone using the encryption key and the encryption function recorded in the IC card, and verify the validity of the mobile phone. Is settled, and thereafter the payment is settled by a predetermined method. With this payment method, payment can be made without disclosing personal information.

[0007]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a payment settlement method of the present invention will be described with reference to the drawings. FIG. 1 is a diagram for explaining the payment settlement method of the present invention. As shown in FIG.
Includes a host computer 21 for processing information and a personal computer 22 for the Internet. Host computer 2
1 and the Internet personal computer 22 are connected by a dedicated line 23, and the Internet personal computer 22 is connected to the Internet 3. The store 2 and the credit company 4 are also connected by a dedicated line 42. This is used by the store 2 for checking the credit of the customer. The database 41 of the credit company 4 stores credit contractor data. Here, the store may be a general store or mail order store on the Internet, and may be a provider. Alternatively, it may be a communication company or a credit company itself. In FIG. 1, only one store is shown, but it is assumed that many stores are connected to the Internet.

On the other hand, customers 1A, 1B,... Have customer personal computers 11a, 11b,. The customer PCs 11a, 11b,... May be connected to the Internet 3, and are not required to be installed in the customer's home. Therefore, a personal computer in another place can be used. Note that the customer's personal computer may be a television or the like dedicated to online shopping using a cable TV or the like. The mobile phones 12a, 12b,... Have a structure in which a removable IC card in which an IC module usually called a SIM card or UIM is embedded can be built.

[0009] First, the customer 1A applies to the store 2 in advance to use a mobile phone for settlement of a transaction on the Internet. When applying, fill in the application form (including documents on the Internet) with personal information such as address, name, e-mail address, mobile phone number, etc. As a method of settlement, addition to a mobile phone charge, credit settlement, or the like can be selected.

When the customer 1A selects, for example, credit settlement, in addition to the above, the credit company name, credit card number, credit expiration date, and the like are entered.
At the time of application, the personal identification number used in this system is also registered. In the host computer 21 of the store 2,
The customer's address, name, e-mail address, mobile phone number, personal identification number, credit company name, credit card number, etc., which were entered by the customer at the time of application, are recorded and stored.

FIG. 2 shows a state in which a SIM card is mounted on a mobile phone. A SIM card 121 in which an IC module 122 is embedded in a plastic substrate 120 is mounted on a mobile phone for use. Generally, in a SIM card-equipped mobile phone, the communication conditions of the mobile phone are regulated by the SIM card, and the number of times of communication (call charge) of the mobile phone may be set. This SIM card 1
21 is sent from the dealer to the customer after the contract, and the settlement can be made by attaching the SIM card to the mobile phone 12. In the SIM card sent, data such as an encryption key required to authenticate the mobile phone is concealed and recorded.
A cryptographic function for performing cryptographic calculations such as public key cryptography and DES is provided. In this example, the SIM is sent, but if the SIM card is already installed in the mobile phone,
The information to be written to the SIM may be sent from a mobile phone company or the like, and the information may be concealedly written to the SIM. Also,
If the mobile phone has a mechanism (slot etc.) that can be attached to the mobile phone instead of the SIM card, insert the IC card (by inserting it into the slot) instead of the SIM card
May be used.

FIG. 3 is a diagram for explaining an actual product purchase and payment method. The customer connects to and browses the store site 24 of the store 2 via the Internet 3 using the customer personal computer 11a. Various products A, B, C, D,... Are displayed on the store site. If the customer 1A browses the store site 24 and finds a product that he / she wants to purchase, the customer 1A selects the product with a mouse or the like (FIG. 3A). At the point when the purchase product is decided, the customer 1A presses the purchase button 241.
Select After the purchase button is selected, the purchaser inputs the mobile phone number 242 and information necessary for credit settlement, for example, the number of payments 243, etc., according to the instructions on the screen (FIG. 3B).

The inputted mobile phone number is transferred to the host computer 21 of the store 2 and a search is made as to whether or not it matches the registered mobile phone number of the customer. As a result of the search, if the mobile phone number is a registered mobile phone number, the host computer 21 determines an order number and transmits a telephone number 244 for contact and an order number 245 to the customer personal computer 11a through the Internet personal computer 22 of the store. (FIG. 3
(C)). After the customer obtains the product, the payment is settled under predetermined conditions. The telephone number 244 may be the same telephone number every time. If the mobile phone number has not been registered, the fact is transmitted to the customer personal computer 11a.
The contact telephone number 244 is for the customer to later call the mobile phone to prove the validity.

Next, a customer authentication procedure using a mobile phone will be described. FIG. 4 is a flowchart illustrating a customer authentication procedure. The customer 1A calls the telephone destination 244 using the mobile telephone 12a owned by the customer. The call to the telephone number 244 may be made immediately after the application or at a later date. When the customer 1A calls the telephone destination 244 with the mobile phone 12a, the telephone is connected to the host computer 21 of the store 2. Therefore, first, the host computer checks whether or not the other party's mobile phone number is a mobile phone number registered in the host computer 21 (S1). In this process, it is also verified whether or not the dealer 2 of the business partner is an authorized dealer.

If the mobile phone number has been registered (S2), the process proceeds to the next step. If the mobile phone number has not been registered (NG), the fact is notified to the customer and the checking operation is interrupted. The host computer 21 authenticates the password of the other party's mobile phone by using an appropriate encryption means (S3). At this time, all cryptographic calculations of the mobile phone are concealed in the SIM card. If the authentication result is “correct”, the process proceeds to the next step. If the authentication result is incorrect (NG), the operation is interrupted.

Next, the host computer 21 inputs the personal identification number (for example, four digits). The store host computer checks whether the password transmitted from the mobile phone matches the password recorded in the host computer. If the authentication result is “correct”, the process proceeds to the next step. If the authentication result is “incorrect” (NG), the operation is interrupted. If the authentication result is "correct", the order number and the name of the purchased product are transmitted to the mobile phone to confirm whether or not to make a purchase (S4). The customer confirms the order number, and if purchasing, sends the data to be purchased (for example, numeral 1), and the customer disconnects the mobile phone.

Next, the host computer 21 transmits the credit data to the credit company 4 and, if there is no problem in the payment or the like, settles the purchase and transmits the contents settled by mail to the customer 1A. If there is any problem in the settlement, the fact is transmitted to the customer by e-mail (S5), and the settlement operation ends. The contents of the e-mail include the order number, settlement method (credit settlement, number of payments), product name, number, settlement amount, and the like.

In recent years, mobile phones have also been enhanced in function as mobile terminals, and it is possible to directly connect to the site of a store from the mobile phone and display it on the display unit 123 (FIG. 2) of the mobile phone to make a transaction. It is possible. In this case, there is no need to provide both the mobile phone 12a and the customer's personal computer 11a, and it is possible to conduct Internet transactions using only a mobile phone on which a SIM card can be mounted. The trouble of contacting is also omitted. The payment method on the Internet according to the fourth aspect of the present invention corresponds to such a case.

In the method of settlement on the Internet according to the present invention, as described above, the personal authentication means uses the IC in the mobile phone.
Since it is stored in a card (SIM card), there is no need to disclose personal information every time a transaction is made, unlike a normal credit card purchase. This is effective in preventing leakage of personal information. In the present invention, the transaction medium is expressed as “mobile phone”, but “PHS phone” or “i
It is obvious to those skilled in the art that the use of "mode" or a similar "mobile device" is included in the same technical idea.

[0020]

According to the settlement method of the present invention, at the time of settlement, the personal information such as the customer's credit number and date of birth does not flow on the Internet, and the risk of abuse of the personal information is reduced. You can trade goods using it. In addition, in the settlement method of the present invention, since personal authentication means is stored in a mobile phone, there is no need to select a personal computer if you have a mobile phone, and if you have a personal computer that can use the Internet, you can make payment anytime, anywhere. As a result, customer convenience can be improved.

[Brief description of the drawings]

FIG. 1 is a diagram illustrating a payment settlement method of the present invention.

FIG. 2 shows a state where a SIM card is attached to a mobile phone.

FIG. 3 is a diagram for explaining an actual product purchase and payment method.

FIG. 4 is a flowchart illustrating a customer authentication procedure.

[Explanation of symbols]

 1, 1A, 1B, 1N Customer 11a, 11b, 11n Customer personal computer 12a, 12b, 12n Mobile phone 2 Retailer 21 Host computer 22 Internet personal computer 23 Dedicated line 3 Internet 4 Credit company 41 Database 42 Dedicated line

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) H04Q 7/38 H04B 7/26 109S

Claims (6)

[Claims] In an Internet transaction using a mobile phone equipped with an IC card, a customer has an IC card provided with an encryption key for identifying the customer and an encryption function, and the customer uses a telephone for contacting a dealer. When a mobile phone equipped with the IC card is used, a transaction is started after the validity of the mobile phone is authenticated using an encryption key and an encryption function recorded on the IC card. Payment method on the Internet using a mobile phone. 2. The payment method on the Internet using a mobile phone according to claim 1, wherein the IC card is a SIM card. 3. An Internet transaction using a mobile phone equipped with an IC card and a personal computer, the following processes (1), (2), at the start of the transaction, that the customer uses the mobile phone for payment for the Internet transaction, a mobile phone number, etc. To apply for the store by disclosing the prescribed personal information and notifying the personal identification number of the applicant, and the store must provide the applicant with the encryption key for authenticating the mobile phone and the IC card in which the encryption function is recorded. Register the mobile phone number, etc. in the host computer, and use the customer's personal computer to access the store's site, select the product to be purchased, indicate the purchase intention, and enter the mobile phone number. When a customer calls using a mobile phone equipped with the IC card, the call is recorded on the IC card. Using the encryption key and the encryption function, and to authenticate the validity of the mobile phone, after the validity of the mobile phone has been authenticated, the transaction is confirmed,
And thereafter performing payment by a predetermined method. A payment method on the Internet using a mobile phone, comprising: 4. In an Internet transaction using a mobile phone equipped with an IC card, the following processes (1) to (4) are performed: at the start of the transaction, the customer uses the mobile phone for payment for the Internet transaction; Disclose personal information and submit a personal identification number to apply to the retailer. The retailer must provide the mobile phone number of the applicant who has an IC card with an encryption key for authenticating the mobile phone and an encryption function. And the like, and the customer accesses the site of the store using the mobile phone equipped with the IC card, selects the product to be purchased, inputs the purchase intention, and inputs the mobile phone number. And the store receiving the indication of the purchase intention searches whether or not the mobile phone number is registered, and
Using the encryption key and encryption function recorded on the C card,
After the mobile phone is authenticated and the mobile phone is authenticated, the transaction is confirmed,
And thereafter performing payment by a predetermined method. A payment method on the Internet using a mobile phone, comprising: 5. The payment method on the Internet using a mobile phone according to claim 3, wherein the IC card is a SIM card. 6. Prescribed personal information other than a mobile phone number includes:
The method of claim 3 or 4, wherein the method includes a customer's name, address, and credit card number.