JP2002163585A - Electronic settlement system and device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To ensure the security of credit settlement in electronic settlement or in a real store, and to provide an electronic settlement system which brings convenience. SOLUTION: In the electronic settlement system which processes settlement transaction for a purchased merchandise inputted from an information terminal 101 through a network, a selling-merchandise information processing terminal 103 which receives information about the purchased merchandise inputted from the information terminal and a settlement information processing terminal 104, which sends a settlement confirmation request about the purchased merchandise to a portable terminal 107 of the purchaser according to a settlement request from a selling-merchandise information processing terminal, receives a settlement confirmation reply from a portable terminal, and confirms payment ability of the purchaser to a credit information processing terminal 108, are prepared. When the portable terminal confirms information about the purchased merchandise and credit is guaranteed by the credit information processing terminal, the settlement information processing terminal is structured to notify completion of the settlement for the purchased merchandise to the selling-merchandise information processing terminal. The settlement can be processed securely.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic settlement system for executing settlement of electronic commerce and the like, and an apparatus used in the system, and more particularly to realizing secure settlement.

[0002]

2. Description of the Related Art Conventionally, it has been widely practiced to settle goods purchased at stores using a credit card or a debit card.

In recent years, electronic commerce using the Internet has been rapidly increasing. In this electronic commerce, a user enters into a membership contract with a content provider or the like in advance, and the site is managed by a content provider. When a user purchases a product, the price is
Deductions are made using the payment method specified in the contract.

[0004] If you have not registered in advance,
As a method of payment for online shopping, a method of inputting and transmitting a credit card number to perform payment is generally used.

[0005] An example of a membership contract is an electronic settlement service provided by a telecommunications carrier. In this service, when a user who uses a telephone service of a telecommunications carrier makes a contract in advance, when the user purchases from a shop that opens a site provided by the telecommunications carrier, the purchase price is charged together with the telephone charge. You.

[0006] Further, in the method of making a payment by inputting a credit card number, an SSL is usually used between the server and the browser in order to securely transmit the credit card number to the server.
(Secure Socket Layer) protocol is used to secure communication channels and perform communication and payment.

[0007]

However, in the method of making a membership contract, since the stores where products can be purchased are limited to the shops that open on the site of the content provider with which the user has made a membership contract, the user is required to use various types of products. There is a problem in that, in order to obtain products by online shopping, a membership contract must be made with a number of content providers in which shops that sell those products open.

[0008] In addition, a store cannot use a settlement agency service provided by a content provider unless the store opens on a site of the content provider. This store opening costs such as a store opening fee and a settlement agency fee, and when qualification screening or the like is involved, much time is required for a procedure up to a membership contract. If you try to join multiple content provider sites in order to expand sales opportunities, the cost of opening a store will increase accordingly, and you will need to apply for a membership contract for each content provider,
There is a problem that it cannot be used easily for small shops.

[0009] On the other hand, in the system for performing settlement by transmitting a credit card number, the security of data between the user's information terminal and the content provider can be secured by using the SSL protocol, but the server of the provider is invaded. In such a case, there is a problem that the entire database of credit card numbers is compromised.

[0010] In addition, the user has a strong psychological resistance to inputting a credit card number. Also, recently, troubles that a user unfamiliar with the Internet presses a button by mistake and orders the same product twice have been increasing.

In the electronic payment using a credit card, it is determined whether the customer who ordered the product has the right to use the credit card of the entered number, whether the credit card has been illegally acquired or has been used without permission. There is a problem that it is not possible to confirm whether there is no fear of the card.

When a user uses a credit card in an actual store, there is a concern that a clerk handling the credit card may abuse the credit card number for misuse.

SUMMARY OF THE INVENTION The present invention solves such a conventional problem. An electronic payment system which secures the security of electronic payment and credit payment at an actual store and provides convenience, and an electronic payment system used in this system. It is intended to provide a device that performs

[0014]

SUMMARY OF THE INVENTION Therefore, according to the present invention, in an electronic payment system for performing a payment process for a purchased product inputted from a terminal via a network, a product sales receiving the information of the purchased product inputted from the terminal is provided. An information processing terminal, and in response to a payment request from the merchandise sales information processing terminal, transmitting a payment confirmation request for the purchased product to a purchaser's mobile terminal; obtaining a payment confirmation response from the mobile terminal; A payment information processing terminal for making a credit inquiry for confirming the payment ability of the buyer is provided in the processing terminal,
The payment information processing terminal completes the payment of the purchased product to the product sales information processing terminal when the information of the purchased product is confirmed by the mobile terminal and the credit is guaranteed by the credit information processing terminal. Is configured to be notified.

[0015] Further, in a merchandise sales information processing terminal for providing merchandise information to a terminal via a network and receiving information on a purchased merchandise inputted from the terminal, a merchandise information providing server for providing the merchandise information; An order / payment management unit that receives and manages product information, an order database that stores order data obtained by adding an order number and a payment result to the purchased product information, and encrypts product information and amount information of the purchased product. And a cryptographic processing unit for
A settlement management unit that sends a settlement request including information for identifying a purchaser, a settlement method, an order number, and encrypted product information and amount information to a settlement information processing terminal via a network, , The payment result of the order data is updated to the payment completion in response to a payment completion response from the customer.

Further, upon receiving a settlement request including information on a purchaser, purchased merchandise and a settlement method from the commodity sales information processing terminal, a credit inquiry is made to the credit information processing terminal corresponding to the settlement method, and a settlement completion response is sent. In the payment information processing terminal returned to the product sales information processing terminal, a subscriber information database storing subscriber information data, and when the payment request is received, the portable terminal of the purchaser is specified from the subscriber information data. A payment management unit that sends information of a purchased product to the mobile terminal to request payment confirmation; and a payment processing information storage unit that stores the status of the payment process. If there is no payment confirmation response within the period, the payment request is invalidated, and only the payment request for which a payment confirmation response was It is configured to perform the credit inquiry at the end.

[0017] Further, in a portable terminal for receiving information of a payment confirmation request for a purchased commodity and returning a settlement confirmation response, an encryption processing unit for decrypting encrypted commodity information and price information included in the payment confirmation request. An authentication number storage unit that stores an authentication number, an authentication number matching unit that matches an authentication number, an input unit where an input operation is performed, a display unit that displays data, and controls display contents of the display unit. A payment confirmation processing unit that identifies input information from the input unit and returns the payment confirmation response, wherein the payment confirmation processing unit displays the payment confirmation data included in the payment confirmation request on the display unit. When an input of a confirmation is performed, a display requesting an input of an authentication number is performed on the display unit, and when an authentication number is input from the input unit, the authentication number storage unit stores the authentication number. Remember in department It was to perform the verification of the certification number,
When the collation is matched, the payment acknowledgment is returned.

[0018] Therefore, electronic payment can be performed easily and safely. Further, it is possible to prevent an operation error such as a user erroneously ordering twice on the Internet screen. In addition, it is possible to prevent a third party from illegally performing a payment process using the mobile terminal. Also, if there is no response or response from the mobile terminal even after a certain period of time, the settlement processing can be invalidated.

[0019]

DESCRIPTION OF THE PREFERRED EMBODIMENTS In the embodiment of the present invention, an electronic settlement system for performing settlement of electronic commerce will be described.

As shown in FIG. 1, the system includes an information terminal 101 for searching for a product and placing an order, and product sales information for providing the product information to the information terminal 101 via a network 102 and receiving the order from the information terminal 101. A processing terminal 103; a payment information processing terminal 104 that performs payment information processing in response to a request from the product sales information processing terminal 103; and a subscriber information database that connects to the payment information processing terminal 104 and manages subscriber information
105 and a wireless base station 106 connected to the network 102
A mobile terminal 107 that communicates with the payment information processing terminal 104 via the wireless base station 106 to confirm the payment, and a credit information processing terminal 108 that performs a credit check of the subscriber as to whether the payment may be performed. I have.

FIG. 2 shows the configuration of the merchandise sales information processing terminal 103. The merchandise sales information processing terminal 103 includes a merchandise information providing server 201 that provides merchandise information via the network 102, a merchandise database 202 storing information provided by the merchandise information providing server 201, An order / payment management unit 203 that accepts an order and performs a settlement request process, an order database 204 that manages and processes the order / payment management unit 203 and stores order information from customers, and encrypts purchase information when a settlement request is made. And an encryption processing unit 205.

The product database 202 stores product data 206 including data such as product numbers, product names, product numbers, sizes, colors, attributes, and photographs of the products. Order data 207 including data such as a name, an address, a telephone number, a settlement method, a product number, an attribute, the number, and a settlement result is stored.

FIG. 3 shows the configuration of the payment information processing terminal 104 and the subscriber information database 105. The payment information processing terminal 104 includes a payment management unit 301 that executes and manages payment processing in response to a request from the product sales information processing terminal 103, and a payment processing information storage that stores payment information being processed by the payment management unit 301. And a section 302.

The subscriber information database 105 stores, as subscriber information of the system, subscriber information data 303 including data such as a subscriber ID, a name, a telephone number, an address, a settlement means, and a mobile phone ID. ing. The settlement means includes information on a plurality of settlement means specified by the subscriber.

The settlement processing information storage unit 302 stores, as settlement information being processed, a subscriber ID, a settlement method, an order number, a commodity number and a total amount encrypted by the commodity sales information processing terminal 103, and store information. And payment processing information data 304 including data such as the state of the payment processing.

FIG. 4 shows the configuration of the portable terminal 107. The mobile terminal 107 includes a payment confirmation processing unit 401 that receives a payment confirmation request from the payment information processing terminal 104 and performs a payment confirmation process, and an encryption processing unit 402 that decrypts encrypted data encrypted by the product information processing terminal 103. And payment information processing terminal 104
Display unit 403 displaying the payment confirmation request information transmitted from
And an input unit 404 for confirming payment information on the display unit 403 and inputting confirmation information, an authentication number matching unit 405 for matching an authentication number for user authentication, and an authentication for matching by the authentication number matching unit 405. And an authentication number storage unit 406 for storing numbers.

FIG. 6 shows the configuration of the credit information processing terminal 108. The credit information processing terminal 108 includes a credit management unit 601 for managing credit processing, an encryption processing unit 602 for decrypting transmitted encrypted data, and a subscriber storing information of a subscriber for examining credit. An information database 603 is provided. The subscriber information database 603 includes a subscriber ID,
Stored is subscriber information data 604 including data such as a month-to-date total amount indicating the total purchase amount for the month, a monthly maximum amount indicating the limit of the available amount for each month, and past settlement status.

The information terminal 101 may be a personal computer capable of browsing Internet information, a portable information terminal, a set-top box connected to a mobile phone or a television, or the like. Also network
102 may be either wired or wireless.

In this electronic payment system, the orderer browses the information provided from the product sales information processing terminal 103 on the information terminal 101 and orders the product. At the time of this order, the information terminal
When an order request including information such as the name and ID of the orderer is input from 101, a settlement request including information such as the name and ID of the orderer is sent from the product sales information processing terminal 103 to the settlement information processing terminal 104. . The payment information processing terminal 104 obtains the subscriber ID of the mobile terminal 107 from information such as the name and ID of the orderer.
And sends a payment confirmation request for payment confirmation to the portable terminal 107 having the searched subscriber ID.

When the orderer confirms the settlement with the portable terminal 107, the settlement information processing terminal 104, which has received this information, inquires the credit information processing terminal 108 of the settlement means registered by the orderer in advance for the credit, and checks the credit result. Receiving product sales information processing terminal 103
Responds to the settlement completion.

FIG. 7 is a sequence diagram showing the operation of the electronic settlement system. Here, network 102
The order from the information terminal 101 via the information terminal 101, the payment information processing terminal 104 performs a series of payment authentication processing, and the procedure until the purchase of the product is confirmed is described in order, focusing on the processing operation of the payment information processing terminal 104. Will be described later.

A user who purchases a product using the information terminal 101 has subscribed to a payment processing institution that performs payment processing using the payment information processing terminal 104, and the subscriber information of the user is stored in the subscriber information database 105. It shall be registered.

The settlement processing institution is operated by a communication company such as a mobile phone, an Internet provider, a content provider or a credit card company that provides a portal for merchandise sales, or an organization that integrally manages them.

The user connects the information terminal 101 to the merchandise sales information processing terminal 103 via the network 102,
The user operates 101 to browse the product information provided by the product information providing server 201 of the product sales information processing terminal 103 (701). The product information providing server 201 provides information required by the information terminal 101 from the product data 206 stored in the product database 202, and the product data is displayed on the screen of the information terminal 101.

When the user decides the purchased product, the user sends an order request message to the product sales information processing terminal 103 according to the instruction on the screen of the information terminal 101 (702). FIG. 8 shows an example of an input screen when ordering with the information terminal 101. After deciding and selecting a product to be purchased, the user inputs a name, an address, a home telephone number and, if necessary, information on a settlement method.
If the destination is different from home, destination information is also required. Also, in this example, the case where the product is purchased and delivered to the home is described as an example, so it is necessary to fill in the address, but if the product is software or electronic content such as music, When a nearby convenience store is designated as a delivery destination, entry of an address may not be required in some cases.

Upon receiving a product order request from the information terminal 101, the order / payment management unit 203 of the product sales information processing terminal 103 increments the order number by one in the order database 204, and sends the name, address, Record order product information such as telephone number, payment method, product number, product name, product number, size, color, and quantity. Order / payment management section 20
3 passes the order product information and the total price of the order product to the encryption processing unit 205 and encrypts them. Encryption methods include:
Various methods exist, but are not specifically mentioned.

The order / payment management unit 203 of the merchandise sales information processing terminal 103 includes a purchase user name, address, telephone number, settlement method, order number, encrypted merchandise information encrypted by the encryption processing unit 205, and encryption. A settlement request message including the total amount is sent to settlement information processing terminal 104 to make a settlement request (703).

The payment management unit 301 of the payment information processing terminal 104
When the user's payment request is received from the product sales information processing terminal 103, the subscriber information database 105 is searched (70).
Four). The payment information processing terminal 104 is a product sales information providing terminal 10
The subscriber information data 303 of the subscriber information database 105 is searched using the name, telephone, and address information among the settlement request contents sent from 3 as a key. Here, the name, telephone, and address information are used as keys for the search, but matching can be performed using only the user's name and telephone, or only the name and address.

The subscriber ID in the subscriber information data 303 of the subscriber information database 105 is an account number if the operator of the settlement information processing terminal 104 is a bank, a telephone number if the operator is a telecommunications carrier, and a credit card. The credit card number will be entered for a company and the user ID will be entered for a provider, but this information depends on the operation. Also,
It is assumed that one or more settlement means are registered in advance in the settlement means column of the subscriber information data 303 at the time of contract or the like.
The one or more settlement means may describe a plurality of settlement methods, such as an account number of a bank with which the user is trading, a simultaneous settlement at the time of billing the call, and a settlement with a B credit card number. In addition, default payment methods may be set in advance or priorities may be set, and payment may be performed in that order. This saves the user from having to specify the payment method. Here, a case will be described as an example in which three settlement methods are designated by prioritization as the settlement means. Further, the mobile phone ID of the subscriber information data 303 may be an e-mail address associated with the mobile phone other than the mobile phone number.

When the payment management unit 301 searches the subscriber information data 303 of the subscriber information database 105 for the subscriber data having the same name, telephone, and address, the payment management information Subscriber ID searched
And the order number, encrypted product information, total encrypted price, and store information, which are the contents of the settlement request sent from the product sales information processing terminal 103.

In this example, since the settlement method has not been designated by the user, the settlement management unit 301 sets the subscriber information data 303
Is recorded in the payment means column of the payment processing information data 304. Further, the processing status information is recorded in the status column of the payment processing information data 304. The state information of the process includes a process reception time, a process state, the number of trials, and the like.

As the processing state, for example, three states of state 1: calling state 2: waiting state 3: user confirmation completed are set. The state 1 calling is a state in which the user is calling for settlement confirmation, and the state 2 waiting is a state in which the user is busy or waiting for the user's call again when radio waves do not arrive. The completion of the user confirmation of 3 means a state in which a settlement confirmation response from the user has been received.

By managing these state information,
The payment management unit 301 of the payment information processing terminal 104 provides a certain period, and when it is not possible to make an inquiry to the user or there is no response from the user during that period, the payment management unit 301 confirms the payment to the user a specified number of times at regular intervals, When a certain period of time is exceeded, detailed processing such as suspending the settlement processing can be performed.

Here, in order to simplify the description, the subsequent operation will be described using only the processing state information. The payment management unit 301 of the payment information processing terminal 104 refers to the mobile phone ID of the subscriber information data 303 of the subscriber information database 105 from the subscriber ID stored in the payment processing storage unit 302, and uses the mobile phone ID. The payment confirmation request message including the payment method, order number, encrypted merchandise information, encrypted total amount, and store information stored in the payment processing information storage unit 302 is transmitted to the mobile terminal 107 (705).

The means for transmitting to the portable terminal 107 includes a method of transmitting information by connecting to a line, a method of transmitting information by packet, and a method of transmitting by mail.

When the payment confirmation processing unit 401 of the portable terminal 107 receives the payment confirmation request from the payment information processing terminal 104, the encrypted encrypted commodity information, the encrypted total amount, and the Is passed to the encryption processing unit 402 to perform decryption processing. Next, the payment confirmation processing unit 401 displays the payment method, order number and store information of the payment confirmation request information sent from the payment information processing terminal 104, the product information decrypted by the encryption processing unit 402, and the total amount. Hand over to section 403. Display 403
Displays the payment method, order number, store information, product information, and total amount passed from the payment confirmation processing unit 401 on the display unit 403, and prompts the user to input a payment confirmation.

A purchase information display screen 501 displayed on the display unit 403 is shown at 501 in FIG. When the user confirms the purchase information displayed on the display unit 403, the input unit 40 confirms the payment.
Enter that you have confirmed the payment details from 4.

Here, as the payment confirmation, for example, button 1
push. If the user does not remember the purchase information displayed on the display unit 403 or wants to cancel the purchase, the user presses the button 0 from the input unit 404. This will allow you to cancel your purchase. Although not described in detail here, it is apparent that it is possible to easily change a part of the settlement contents such as changing the settlement method here.

When the user inputs a payment confirmation by pressing a button from the input unit 404, the payment confirmation processing unit 401
An authentication number input screen as shown in 02 is displayed on the display unit 403. When the user inputs the authentication number from the input unit 404, the payment confirmation processing unit 403 receives the authentication number input by the user and passes it to the authentication number matching unit 405. Authentication number verification unit 405
Checks whether the authentication number passed from the payment confirmation processing unit 401 matches the authentication number stored in the authentication number storage unit 406, and returns an answer to the payment confirmation processing unit 401. The payment confirmation processing unit 401 receives the answer from the authentication number matching unit 405,
If the authentication numbers match, it means that the mobile terminal 107 has confirmed the user's payment (706).

As described above, by performing the user authentication by inputting the authentication number into the portable terminal 107, it is possible to prevent a third party from using the portable terminal 107 to illegally perform the payment processing.

Although the example in which the authentication number collating unit 405 is provided in the portable terminal 107 has been described here, the authentication number collating unit may be provided in the settlement information processing terminal 104 depending on the realization form and the settlement contract form. Alternatively, each credit card or bank card may be placed in the credit information processing terminal 108. Even in such a case, by establishing a secure communication path between the mobile terminal 107 for inputting the authentication number and the payment information processing terminal 104 or the credit information processing terminal 108, it is possible to perform user authentication similarly through the network. Can be.

When the payment confirmation is completed by the portable terminal 107, the payment confirmation processing unit 401 of the portable terminal 107
A settlement confirmation response message including the order number for which settlement was confirmed is returned to 4 (707).

The payment management unit 301 of the payment information processing terminal 104
When a payment confirmation response is received from the mobile terminal 107, the payment processing information storage unit uses the order number of the received payment confirmation response as a key.
The matching payment processing information is searched from the payment processing information data 304 of 302. When the data with the matching order number is found in the payment processing information storage unit 302, the payment management unit 301 updates the status column of the data to the user confirmation completed status 3. Further, the payment management unit 301 uses the data
Read D and payment method, total encryption amount, store information,
Depending on the settlement method, the corresponding credit information processing terminal 108
A credit inquiry including the contents of the subscriber ID, the total encrypted amount, and the store information is made (708).

When the credit management unit 601 of the credit information terminal 108 receives a credit inquiry message including the subscriber number, the encrypted total amount, and the store information from the settlement information processing terminal 104,
The subscriber ID received from the subscriber database 603 by passing the total amount of encryption to the encryption processing unit 602 for decryption
Search for data that matches. Subscriber database 603
When the data matching the subscriber ID is retrieved from the subscriber information data 604 of, the credit management unit 601 adds the total amount decrypted by the encryption processing unit 602 and the monthly total amount of the subscriber information data 604. It is determined whether the amount does not exceed the monthly maximum amount.

Here, it is assumed that a credit card company performs credit as the credit information processing terminal 108. In addition, a bank may determine that credit is given when the balance is larger than the total amount, or may determine based on past payment results.

Here, when the credit is given, the credit management unit 60
1 updates the month-to-date amount column as a new month-to-date amount by adding the total amount of settlement to the month-to-date amount of the subscriber information data 604 and performs a charging process (709).

The settlement information processing terminal 104, which has made a credit inquiry to the credit information processing terminal 108, receives a settlement completion response message including the order number information when receiving the designated settlement credit from the credit information processing terminal 108. The data is transmitted to the processing terminal 103 (710).

Upon receiving the payment completion response message, the order / payment management unit 203 of the product sales information processing terminal 103 receives the order number of the payment completion response message received from the payment information processing terminal 104 from the order data 207 of the order database 204. Search for data that matches and updates the payment result column to “payment completed”. When the payment is completed, the merchandise dealer can perform an operation of delivering the merchandise ordered by the user to a designated delivery destination.

As described above, in this electronic settlement system,
When entering information necessary for search such as name and ID from the information terminal when ordering a product, the payment information processing terminal searches for the subscriber ID of the mobile terminal, and the payment is made to the mobile terminal having the searched subscriber ID for payment confirmation. A confirmation request message is sent and payment can be confirmed. Therefore, there is no need to input a credit card number or a bank card number, and payment authentication can be performed easily and safely. Further, by confirming the purchase settlement using the mobile terminal, it is possible to prevent a purchase mistake such as a user ordering twice by mistake on the Internet.

When the portable terminal is provided with a function of searching for a product and placing an order, a single portable terminal can perform from purchase to payment authentication. In this case, when information necessary for payment, such as a name and an ID, is input and transmitted from the mobile terminal, a payment confirmation request for performing payment confirmation is transmitted to the user's own mobile terminal, and the payment can be confirmed. Therefore, even when performing electronic commerce from a mobile terminal, payment authentication can be performed easily and safely without inputting a credit card number or a bank card number.

Further, by providing an encryption processing section in the product sales information terminal and the portable terminal, and encrypting and transmitting the customer's product purchase information, the product can be transferred to an intermediate information processing terminal such as a communication company or a content service provider. Private information such as purchase information can be prevented from being known.

Further, an encryption processing unit is provided in the merchandise sales information terminal and the credit information processing terminal, and information necessary for credit is encrypted and transmitted and credited, so that a date, a purchase store, a purchase amount, and the like necessary for credit can be obtained. Since only information is transmitted after being encrypted, it is possible to prevent private information such as customer's product purchase information from being known to an information processing terminal interposed such as a communication company or a content service provider.

Further, an authentication collation unit and an authentication storage unit are provided in a portable terminal, a settlement information processing terminal, or a credit information processing terminal, and a personal identification is performed by inputting an authentication number from the portable terminal, thereby enabling a third party to authenticate. It is possible to prevent the payment processing from being illegally performed using the mobile terminal.

In the case where the personal authentication function is provided in the portable terminal, there is no need to perform an authentication process in the settlement information processing terminal or the credit information processing terminal. The mobile terminal can be used for the payment processing without making any changes to the processing terminal or the credit information processing terminal.

Further, when an authentication collation unit and an authentication storage unit are provided in the credit information processing terminal, and the personal identification is performed by inputting the authentication number from the portable terminal, it is possible to change the authentication number for each settlement method. In this way, it is possible to prevent a third party from using the mobile terminal to perform the payment processing illegally.

Further, a payment processing information storage unit is provided in the payment information processing terminal to manage the reception time of the payment processing, so that if there is no response from the portable terminal even after a certain period of time, the payment processing is invalidated. For example, when the user does not confirm the payment, the payment can be automatically invalidated.

Further, by allowing the subscriber information database connected to the settlement information processing terminal to designate a default settlement means or a settlement means with a priority, the settlement can be performed even if the user does not designate the settlement means. Processing can be performed, and the credit can be automatically settled by the settlement means according to the priority order.

Although the information terminal has been described as a means of Internet shopping, this information terminal can be installed in an actual store and used as a POS terminal. In this information terminal, an order request of a visiting customer is input. In this case, when the customer brings the product home, it is not necessary to input the address, and only the information necessary for searching for the mobile terminal ID such as the name and ID needs to be input from the information terminal. Subsequent processing is as described above, and settlement processing for the customer's order is performed. If the customer has a mobile terminal, there is no need to carry a credit card or debit card or hand it to a clerk. Therefore, the settlement process can be easily and safely performed.

[0069]

As is apparent from the above description, in the electronic payment system of the present invention, the user uses the credit card or bank card payment without inputting the credit card number or the bank card number to the terminal. can do. In this system, since the card number is not transmitted and the card number is not stored except in the subscriber database of the payment information processing terminal, it is possible to suppress the leakage of such secret information. Further, since the identity of the user can be confirmed at the time of confirming the purchase settlement with the portable terminal, it is possible to eliminate unauthorized use of a credit card or a bank card in the electronic settlement. Therefore, secure payment processing is possible.

Further, since the purchase settlement is confirmed on the portable terminal, it is possible to prevent a purchase mistake such as a user mistakenly ordering twice on the Internet.

When the information terminal is used as a POS terminal in a physical store, the customer does not need to carry a credit card or a debit card if he has only a portable terminal. There is no need to provide a number. Therefore, it is possible to prevent a trouble caused by a lost card or the fact that the credit card number is known to the store side.

Further, in the settlement information processing terminal, settlement confirmation to the orderer and credit inquiry to the credit institution are performed without knowing the private information such as the settlement amount and the order content. Therefore, the merchant who operates the merchandise sales information processing terminal can use the settlement information processing terminal as an institution that guarantees the contents of the order and guarantees the payment while performing electronic commerce independently.

Further, the operator of the payment information processing terminal can develop business as an institution that secures the security of electronic commerce.

[Brief description of the drawings]

FIG. 1 is a configuration diagram illustrating an outline of an electronic payment system according to an embodiment of the present invention;

FIG. 2 is a diagram showing a block configuration of a product sales information processing terminal of the embodiment and a data configuration of product data and order data;

FIG. 3 is a diagram showing a block configuration of a payment information processing terminal and data configurations of subscriber information data and payment processing information data according to the embodiment;

FIG. 4 is a diagram showing a block configuration of a mobile terminal according to the embodiment;

FIG. 5 is a view showing an example of a display screen on the mobile terminal according to the embodiment;

FIG. 6 is a diagram showing a block configuration of a credit information processing terminal and a data configuration of subscriber information data according to the embodiment;

FIG. 7 is a sequence diagram showing the operation of the electronic payment system according to the embodiment;

FIG. 8 is a diagram illustrating an example of an input screen on the information terminal according to the embodiment.

[Explanation of symbols]

 101 Information terminal 102 Network 103 Merchandise sales information processing terminal 104 Payment information processing terminal 105 Subscriber information database 106 Wireless base station 107 Mobile terminal 108 Credit information processing terminal 201 Product information providing server 202 Product database 203 Order / payment management unit 204 Order database 205 Encryption processing unit 206 Product data 207 Order data 301 Payment management unit 302 Payment processing information storage unit 303 Subscriber information data 304 Payment processing information data 401 Payment confirmation processing unit 402 Encryption processing unit 403 Display unit 404 Input unit 405 Authentication number verification unit 406 Authentication number storage unit 501 Purchase information display screen 502 Authentication number input screen 601 Credit management unit 602 Encryption processing unit 603 Subscriber information database 604 Subscriber information data

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification code FI Theme coat ゛ (Reference) G06F 17/60 506 G06F 17/60 506 F Term (Reference) 5B049 AA01 AA05 BB11 CC05 CC36 CC39 DD01 EE05 EE23 FF03 FF04 GG02 GG03 GG04 GG06 GG07 5B055 BB12 CB09 EE02 EE03 EE13 EE27

Claims (17)

[Claims] 1. An electronic payment system for performing a payment process for a purchased product input from a terminal via a network, comprising: a product sales information processing terminal for receiving information on the purchased product input from the terminal; In response to a payment request from the terminal, a payment confirmation request for the purchased product is transmitted to the purchaser's mobile terminal, a payment confirmation response is obtained from the mobile terminal, and the credit information processing terminal is used to determine the purchaser's payment ability. A payment information processing terminal for making a credit inquiry to confirm, wherein the payment information processing terminal confirms information of a purchased product by the mobile terminal, and, when the credit is guaranteed by the credit information processing terminal, An electronic payment system, which notifies a product sales information processing terminal of the completion of payment for the purchased product. 2. The payment information processing terminal includes a subscriber information database in which subscriber information data is stored, and based on information on a buyer included in the payment request,
The electronic payment system according to claim 1, wherein a mobile terminal of the purchaser is specified from the subscriber information data. 3. A terminal for inputting information on the purchased product, the product information sent from the product sales information processing terminal via a network is displayed, and the purchased product is selected from the product information. The electronic payment system according to claim 1, wherein the electronic payment is input. 4. A terminal for inputting information on the purchased product,
The electronic payment system according to claim 1, wherein information on a product placed in an actual store and purchased at the store is input. 5. A terminal for inputting information on the purchased product,
The electronic payment system according to claim 1, wherein the electronic payment system is the same as the mobile terminal. 6. The merchandise sales information terminal encrypts and includes information of the purchased merchandise in the payment request to the payment information processing terminal, wherein the payment information processing terminal encrypts the encrypted purchased merchandise. The electronic payment system according to any one of claims 1 to 5, wherein the mobile terminal transmits the information of the purchased product to the mobile terminal, and the mobile terminal decodes and displays the information of the purchased product. 7. The product sales information terminal encrypts and includes the price of the purchased product in the payment request to the payment information processing terminal, and the payment information processing terminal includes the encrypted amount. 7. The electronic payment system according to claim 1, wherein the credit information processing terminal sends the credit information to the credit information processing terminal, and the credit information processing terminal decrypts the money amount to perform a credit process. 8. The mobile terminal according to claim 1, further comprising an authentication number input unit, and performing personal authentication of a purchaser based on the authentication number input from the mobile terminal. Electronic payment system according to the item. 9. The portable terminal includes storage means for storing an authentication number, and matching means for matching the authentication number, wherein the matching means stores the authentication number input from the input means and the storage means. 9. The electronic payment system according to claim 8, wherein the electronic payment system compares the authentication number with the stored authentication number. 10. The payment information processing terminal includes a storage unit for storing an authentication number and a matching unit for checking an authentication number, wherein the matching unit stores the authentication number input from the portable terminal and the storage unit. 9. The electronic payment system according to claim 8, wherein the verification is performed with an authentication number stored in the means. 11. The credit information processing terminal includes a storage unit for storing an authentication number and a matching unit for checking an authentication number, wherein the matching unit stores the authentication number input from the portable terminal and the storage unit. 9. The electronic payment system according to claim 8, wherein the verification is performed with an authentication number stored in the means. 12. The payment information processing terminal manages an elapsed time after transmitting the payment confirmation request to the mobile terminal, and sets a payment confirmation response from the mobile terminal even if the elapsed time exceeds a predetermined time. The electronic payment system according to claim 1, wherein the payment is invalidated when there is no payment. 13. The electronic settlement system according to claim 2, wherein default data for designating settlement means is registered in advance in said subscriber information data. 14. The electronic settlement system according to claim 2, wherein a plurality of settlement means can be registered in the subscriber information data. 15. A merchandise sales information processing terminal that provides merchandise information to a terminal via a network and receives information of a purchased merchandise input from the terminal, wherein a merchandise information providing server that provides the merchandise information; An order / payment management unit that receives and manages product information; an order database that stores order data obtained by adding an order number and a payment result to the information of the purchased product; and encrypts product information and amount information of the purchased product. The order / payment management unit is configured to settle the payment request including the information specifying the buyer, the payment method, the order number, and the encrypted product information and the amount information via the network. A product for sending to a data processing terminal, receiving a payment completion response from the payment data processing terminal, and updating the payment result of the order data to payment completed. Information processing terminal sales. 16. A purchaser,
Upon receiving a payment request containing information on the purchased product and payment method,
A settlement information processing terminal that makes a credit inquiry to a credit information processing terminal corresponding to the settlement method and returns a settlement completion response to the product sales information processing terminal; a subscriber information database that stores subscriber information data; A payment management unit that specifies the purchaser's mobile terminal from the subscriber information data, sends information of the purchased product to the mobile terminal, and requests a payment confirmation; and a payment that stores the status of the payment processing. A processing information storage unit, wherein the payment management unit invalidates the payment request when there is no payment confirmation response from the mobile terminal within a predetermined time, and receives a payment confirmation response from the mobile terminal within a predetermined time. A credit information processing terminal that makes a credit inquiry to the credit information processing terminal only for the requested payment request. 17. A mobile terminal for receiving information of a payment confirmation request for a purchased product and returning a payment confirmation response, wherein the cryptographic device decrypts encrypted product information and amount information included in the payment confirmation request. A processing unit, an authentication number storage unit for storing an authentication number, an authentication number collating unit for collating the authentication number, an input unit for performing an input operation, a display unit for displaying data, and a display content of the display unit. And a payment confirmation processing unit that identifies the input information from the input unit and returns the payment confirmation response.The payment confirmation processing unit transmits the payment confirmation data included in the payment confirmation request to the Displayed on a display unit, when a confirmation input is performed, a display requesting an input of an authentication number is performed on the display unit, and when an authentication number is input from the input unit, the authentication number matching unit displays the authentication number. Stored in number storage A mobile terminal that performs a check with the set authentication number and, when the check is matched, returns the settlement confirmation response.