JP2002183439A - On-line checking method for commerce transaction party concerned, on-line communication method to commerce transaction party concerned, on-line acceptance information obtaining method, and system for them - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an on-line checking method for commerce transaction party concerned, an on-line communication method for the commerce transaction party concerned, an on-line acceptance information obtaining method, and a system for them for instantly recognizing illegal use at the point of use, detecting the illegal use immediately in a commerce transaction for stopping and preventing the illegal use transaction, getting in tough with a customer subjected to the illegal use, and improving convenience by requiring no burdensome operation such as input of an identification number of a fingerprint. SOLUTION: In the on-line checking method for commerce transaction party concerned, commerce transaction position data formed by a commerce transaction position data forming means forming commerce transaction position data in compliance with an identifier of the party concerned or that of a party concerned identifier generation means is determined to be normal or not when it is compared with a reference party concerned position data formed by detection of a position signal generated by a reference party concerned signal generating means having a reference party concerned identifier, which is previously stored in accordance with a party concerned identifier and different from the party concerned identifier.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a party identifier generating means for detecting a signal from a business card or a mobile communication terminal or reading information from a memory or the like to generate a party identifier, and inputting transaction information for inputting transaction information. Means for transmitting and receiving information such as the above-mentioned party identifiers and transaction information to and from a transaction management apparatus which manages the transaction of goods and services from a transaction terminal device having communication means such as the Internet and the Internet. How to check the trading parties online in and
The present invention relates to a method for online communication with a trading party in a commercial transaction, a method for obtaining online approval information, and a system for the same.

[0002]

2. Description of the Related Art In a conventional method for online checking of a transaction party in such a commercial transaction, and in a system, for example, in a card, a card operator is required to:
Cards are issued by assigning a customer-specific party identifier by registering a customer's deposit account, registering an address, registering a personal identification number, or the like. The card user confirms the individual by presenting the card and signing the name of the person, detecting the party identifier of the card by the commerce terminal device that reads the card, performing a commercial transaction as shopping, and displaying detailed information of shopping on the commercial transaction terminal device. Is input by the operation of the clerk, and the transaction information together with the party identifier is transmitted to the transaction data center that manages the transaction of goods and services, and is stored as the transaction information. Thereafter, the purchase price is deducted from the customer's deposit account, and the settlement of the purchase is completed.

In the case of a cash card, the card is inserted into a bank terminal that reads the card, and the personal identification number is input to the terminal. Are verified, and personal confirmation is performed. Thereby, withdrawal or transfer of cash can be performed at the customer's account.

[0004] Recently, various online stores that sell various commodities established on the Internet, auction dealers, banks that handle deposits and loans, and insurance companies are operating. In the case of such Internet commerce, in many cases, a customer previously registers as a member at a commerce data center, such as a store or a store, via the Internet, and addresses, names, PINs, and bank accounts of terminals connected to the customer's Internet. Number or card number is registered. When a customer actually executes a commercial transaction, access the commercial transaction data center such as a store or dealer on the Internet and perform an operation to place an order for a product to be purchased. Is received and detected by the commercial transaction data center at the time of access of the customer, the commercial transaction data center requests the customer to input a password or the like corresponding to the address of the customer terminal for the price of the product. When the customer enters his registered PIN in response to the request, the Commerce Data Center compares the PINs and if they match, the transaction is considered a successful transaction and the product price is registered with the registered bank account number,
Alternatively, the payment is withdrawn for the registered card number.

[0005] Recently, there have been cases where a mobile communication terminal is used instead of a card or an Internet terminal. In this case, commercial transactions are performed using the identifier of the mobile communication terminal as the party identifier.

[0006]

However, the conventional method has the following problems against unauthorized use.
First, personal confirmation on a card is mainly performed by a password or a signature, but the confirmation is incomplete. For example, a personal identification number tends to set a personal telephone number, a date of birth, and the like, and it is easy for others to find out the personal identification number. Further, the recording of the current personal identification number is often performed on a magnetic stripe formed on the card, and the information recorded on the magnetic stripe can be read. In addition, the signature on the card is checked against the signature at the time of shopping. Pass the check. That is, it is easily misused.

[0007] Furthermore, there are many issuing companies such as credit cards, cash cards, and prepaid cards. Become. Also,
Even if you become aware of or misappropriate the use of a card, it takes several days to one month to take countermeasures, which will lead to increased damage. That is, it takes time to discover the fact of unauthorized use.

[0008] In a commercial transaction by an Internet terminal on the Internet, the terminal address and the password of the customer, which are the party identifiers, are illegally acquired on the Internet or by a hacker to a commercial transaction data center.
There have been many fraudulent crimes that have been stolen and charged for payment even though the customer is not doing business on the Internet, and it was not sufficient for fraudulent use. In addition, despite the illegal use, there is a problem that the customer cannot know at all until the terminal is billed once a month at the same time as billing for the Internet call of the terminal.

[0009] Further, even in the case where the identifier of the mobile communication terminal is used as a party identifier instead of the card or the Internet terminal as a party identifier, there is a problem similar to that of the card and the Internet terminal described above. Was.

As described above, the conventional method is not sufficient as a method for preventing unauthorized use. That is, the problem to be solved by the present invention cannot be improper use by impersonation. Unauthorized use can be seen immediately at the site of use.
Unauthorized use can be immediately detected at the time of transaction processing, and unauthorized use transactions are suspended and not permitted. The abusive customer can be contacted immediately, preferably within 60 seconds. In addition, the user does not need to perform any troublesome operations such as inputting a personal identification number and fingerprint, which is extremely convenient. With these features,
A method of online checking of trading partners in a commercial transaction that has a preventive effect that does not make a person who has the possibility of unauthorized use feel abusive, and a method of online contacting a trading party of a commercial transaction, a method of obtaining online approval information, and
It is about these systems.

[0011]

Method and means for solving the problem, and operation thereof
According to the method for online checking of a trading party in a commercial transaction according to claim 1, a signal is detected from a commercial card or a mobile communication terminal or a party identifier generating means for generating information by reading information from a memory or the like and inputting transaction information. The information such as the party identifier and the commercial transaction information is transmitted / received from a commercial transaction terminal device having a commercial transaction information inputting means and a communication means such as the Internet to a commercial transaction managing apparatus which manages commercial transactions of goods and services through a communication network such as the Internet. In an online check method for determining whether or not a transaction party is normal in a commercial transaction to be processed, a transaction position data generating means for generating transaction position data corresponding to a party identifier or a party identifier generating means identifier is generated. Forecast corresponding to the commerce location data and the party identifier The reference party signal generation means of the reference party identifier different from the stored party identifier detects the position signal generated and compares the reference party position data generated to determine whether the transaction party is normal or not. Online check method. According to this method, if a transaction is performed by an abnormal party, the abnormal party does not have the reference party signal generating means having the reference party identifier. Even if the transaction is started, the transaction position data and the reference party position data are not located within the predetermined position range, so that it is possible to determine that the transaction is not normal, and to detect an abnormal transaction immediately online. There is. Further, if an abnormal commercial transaction is detected, the commercial transaction is interrupted, so that abnormal use can be prevented. In addition, unauthorized use can be displayed immediately at the site of use, and it is possible to bind unauthorized users.

According to a second aspect of the present invention, there is provided a method for online checking of a trading party in a commercial transaction, comprising detecting a signal from a commercial card or a mobile communication terminal or reading information from a memory or the like to generate a party identifier and a party identifier generating means. A transaction management device for managing a transaction of a product or service from a transaction terminal device provided with a transaction information inputting means for inputting information and a communication means such as the Internet via a communication network such as the Internet. A first step of transmitting a party identifier from a party identifier generation means to a transaction management device in a online check method for determining whether or not a transaction party is normal in a transaction for sending and receiving a transaction, Reference separate from the correspondingly pre-stored party identifier A second step of reading the party identifier and transmitting a reference party identifier corresponding to the party identifier to the position detecting means, and a reference party generated by the reference party signal generating means having the reference party identifier by the position detecting means. A third step of detecting the reference party position data from the signal and transmitting the data to the comparison means, and generating by the transaction position data generation means generating the transaction position data corresponding to the party identifier or the party identifier generation means identifier. A fourth step of transmitting the data to the comparing means and comparing the commercial transaction position data with the reference party position data to determine whether the data is normal or not.
The method is an online check method of a trading party of a commercial transaction, which comprises the steps of: According to this method, if a transaction is performed by an abnormal party, the abnormal party does not have a reference party signal generating means having a reference party identifier corresponding to the party identifier. Therefore, even if an unusual commercial transaction is started, the commercial transaction position data and the reference party position data are not located within the predetermined position range. There is an effect that a commercial transaction can be detected. Further, if an abnormal commercial transaction is detected, the commercial transaction is interrupted, so that abnormal use can be prevented. In addition, unauthorized use can be displayed immediately at the site of use, and it is possible to bind unauthorized users.

According to a third aspect of the present invention, there is provided a method for online checking of a trading party in a commercial transaction, comprising detecting a signal from a trading card or a mobile communication terminal or reading information from a memory or the like to generate a party identifier and a party identifier generating means. A commercial transaction management device for managing a commercial transaction of a product or service from a commercial transaction terminal device having a commercial transaction information inputting means for inputting information and a communication means such as the Internet via a communication network such as the Internet. In the online check method for determining whether or not a trading party is normal in a commercial transaction for sending and receiving a commercial transaction, a first method of transmitting a party identifier from a party identifier generating means or a party identifier generating means identifier to a commercial transaction management device is provided. Step and counter with the party identifier in the transaction management device A second step of reading a reference party identifier different from the previously stored party identifier and transmitting a reference party identifier corresponding to the party identifier to the position detecting means; and A third step of detecting reference party position data from the reference party signal generated by the reference party signal generation means having the following, and transmitting the data to the comparison means; The commercial transaction position data corresponding to the party identifier generating means identifier which is read from the storage means for storing the commercial transaction position data of the generating means is transmitted to the comparing means, or
The party identifier generation means identifier or the transaction data of the party identifier generation means having the party identifier is detected and generated by the position data detection generation means for detecting and generating the transaction identifier and the transaction position data corresponding to the party identifier are compared. And a fifth step of comparing the commercial transaction position data with the reference party position data by comparing means to determine whether or not the transaction party is normal. The online check method you want. Thus, the party identifier or the party identifier generation means identifier is transmitted from the party identifier generation means to the transaction management device, and the transaction identifier of the party identifier generation means or the party identifier generation means having the party identifier is provided. Since the position data is generated by the position data detecting and generating means for detecting and generating the data, even if the party identifier generating means is moved, the commercial transaction position data to which the party identifier has been moved and the referencing party are always added even if the party identifier generating means moves. There is an operational effect that comparison determination with position data is possible.

According to a fourth aspect of the present invention, there is provided an online check method of a trading party in a commercial transaction according to the first aspect of the present invention, wherein the reference party signal generating means is used for mobile communication. A terminal, and the position detecting means detects a position registration request signal, which is a reference party signal including the mobile communication terminal identifier of the mobile communication terminal, to the mobile communication control device and the mobile communication terminal identifier of the mobile communication terminal. A mobile communication base station that transmits a location registration request signal including a base station identifier, and a mobile communication base that receives the location registration request signal of the mobile communication terminal from the mobile communication base station and corresponds to the mobile communication terminal identifier The storage means for storing the reference party position data such as the base station identifier of the station and the entire mobile communication control device are controlled to control the communication line of the mobile communication terminal. Comprising a mobile communication control system having a computer means, said reference party location data is an online check method for determining whether normal or not transaction party in transactions that base station identifier. Since such a method is adopted, in addition to the operation and effect described in claim 1, if the position detecting means utilizes the already installed and used mobile communication network and the mobile communication terminal possessed by the trading party, the position detecting means becomes new. The present invention has an operation and effect that can be realized without including the reference party signal generating means and the position detecting means.

According to a fifth aspect of the present invention, there is provided an online check method for a trading party in a commercial transaction according to the second aspect of the present invention, wherein the reference party signal generating means is used for mobile communication. A terminal, and the position detecting means detects a position registration request signal, which is a reference party signal including the mobile communication terminal identifier of the mobile communication terminal, to the mobile communication control device and the mobile communication terminal identifier of the mobile communication terminal. A mobile communication base station that transmits a location registration request signal including a base station identifier, and a mobile communication base that receives the location registration request signal of the mobile communication terminal from the mobile communication base station and corresponds to the mobile communication terminal identifier The storage means for storing reference party position data such as the base station identifier of the station and the entire mobile communication control device are controlled to control the communication line of the mobile communication terminal. A mobile communication control device having computer means; transmitting a reference party identifier corresponding to the party identifier to the mobile communication control device in a second step; and, in a third step, the mobile communication control device Detects a location registration request signal, which is a reference party signal generated by the mobile communication terminal of the reference party identifier, and stores reference party position data such as a base station identifier of a mobile communication base station corresponding to the mobile communication terminal identifier. It reads out the reference party position data such as the base station identifier corresponding to the mobile communication terminal of the reference party identifier from the storage means for storing, detects, and transmits the data to the comparison means. The online check method is used to determine this. Since such a method is adopted, claim 2
In addition to the functions and effects described above, if the position detecting means utilizes the mobile communication network already installed and used and the mobile communication terminal possessed by the transaction party, the reference party signal generating means and the position detecting means are newly added. There is an operational effect that it can be realized without providing

According to a sixth aspect of the present invention, there is provided an online check system for a commercial transaction party which detects a signal from a commercial transaction card or a mobile communication terminal or reads information from a memory or the like to generate a party identifier and a party identifier generating means. A transaction management device for managing a transaction of a product or service from a transaction terminal device provided with a transaction information inputting means for inputting information and a communication means such as the Internet via a communication network such as the Internet. In an online check system for determining whether or not a trading party is normal in a commercial transaction for sending and receiving a commercial transaction, transaction position data is generated corresponding to a party identifier or a party identifier generating means identifier and transmitted to a comparing means. A transaction location data generating means, a party identifier, Position detecting means for detecting the position signal generated by the reference party signal generating means of the reference party identifier different from the previously stored party identifier and generating reference party position data, and transmitting the data to the comparing means; An online check system for determining whether or not a transaction party is normal in a commercial transaction, comprising comparing means for comparing the commercial transaction position data with the reference party position data to determine whether or not the transaction party is normal. Since such an online check system is used, if a business transaction is performed by an abnormal party, the abnormal party does not have the reference party signal generating means having the reference party identifier. Even if a commerce commences, the commerce position data and the reference party position data are not located within the predetermined position range, so it can be determined that the transaction is not normal, and an abnormal transaction can be immediately detected online. , Interrupting commercial transactions and preventing abnormal use. Further, improper use can be immediately displayed at the site of use, and improper users can be restrained.

According to a seventh aspect of the present invention, there is provided an online check system for a trading party in a commercial transaction, wherein the reference party signal generating means is a mobile communication terminal and the position detecting means is a mobile body. An on-line check system that receives a position registration request signal of a communication terminal, extracts a base station identifier, and outputs the extracted base station identifier to comparison means as reference party position data. Since such an online check system is used, in addition to the function and effect described in claim 6, if the position detecting means utilizes the mobile communication network already installed and used and the mobile communication terminal possessed by the transaction party, There is an operational effect that this can be realized without newly providing a reference party signal generating means and a position detecting means.

According to the present invention, there is provided an online check system for a trading party of a commercial transaction, wherein a party identifier generating means for detecting a signal from a business card or a mobile communication terminal or reading information from a memory or the like to generate a party identifier and a commercial transaction. A commercial transaction management device for managing a commercial transaction of a product or service from a commercial transaction terminal device having a commercial transaction information inputting means for inputting information and a communication means such as the Internet via a communication network such as the Internet. In an online check system for determining whether or not a trading party is normal in a commercial transaction that is sent and received to and processed by a commercial transaction, commercial transaction data that generates commercial transaction position data corresponding to a party identifier or a party identifier generating means identifier and transmits the data to a comparing means The generating means is a commercial transaction terminal device or a commercial The transaction management device includes: a party identifier generating means for generating a party identifier; a commercial transaction information inputting means for inputting commercial transaction information; a communication means for transmitting and receiving information via a communication network; A commerce terminal device comprising computer means for controlling and transmitting the party identifier and the transaction information to the transaction management device; and a communication network for mutually transmitting the information of the transaction terminal device, the transaction management device, the comparison means and the mobile communication control device. A communication means for transmitting and receiving information via a communication network; a computer means for controlling and operating a commercial transaction management device to manage commercial transactions of goods and services; and a reference different from the party identifier corresponding to the party identifier. comprising storage means for storing use party identifier, the mobile communication control device of the reference party identifier corresponding to the party identifier, certain A transaction management device for transmitting to the transaction terminal device; a mobile communication terminal as reference party signal generating means for generating a location registration request signal as a reference party signal; and a mobile communication terminal identifier of the mobile communication terminal. A mobile communication base station for detecting a location registration request signal including a mobile communication terminal and transmitting a location registration request signal including a mobile communication terminal identifier and a base station identifier of the mobile communication terminal to the mobile communication control device; Storage means for receiving a position registration request signal of a mobile communication terminal from the mobile communication terminal and storing reference party position data such as a base station identifier of a mobile communication base station corresponding to the mobile communication terminal identifier, and a mobile communication control device Computer means for controlling the whole and controlling the communication line of each mobile communication terminal, and communication means for transmitting and receiving information to and from a communication network, wherein the mobile communication terminal having the reference party identifier Detecting the generated position registration request signal and storing the reference party position data such as the base station identifier of the mobile communication base station corresponding to the mobile communication terminal identifier from the storage means to the mobile communication terminal of the reference party identifier A mobile communication control device that transmits reference party position data such as a corresponding base station identifier to comparison means; and the commercial transaction position data from commercial transaction data generation means and the reference party identifier from the mobile communication control device with respect to the reference party identifier. An online check system for a trading party of a commercial transaction, comprising comparison means for comparing the reference party position data to determine whether the data is normal or not. With this method, if a non-normal party conducts a commercial transaction, the non-normal party does not have the referencing party signal generation means having the referencing party identifier. Even if the transaction has started, since the commercial transaction position data and the reference party position data are not located within the predetermined position range, it can be determined that the transaction is not normal, and the online transaction is immediately detected, and the abnormal transaction is detected. There is an operational effect of interrupting the operation and preventing abnormal use. Furthermore, if the position detecting means utilizes the mobile communication network already installed and used and the mobile communication terminal possessed by the transaction party, it does not need to newly include the reference party signal generating means and the position detecting means, There is an operational effect that can be realized.

According to a ninth aspect of the present invention, there is provided a method for online checking of a business transaction party by detecting a signal from a business card or a mobile communication terminal or reading information from a memory or the like to generate a party identifier and a party identifier generating means. A transaction management device for managing a transaction of a product or service from a transaction terminal device provided with a transaction information inputting means for inputting information and a communication means such as the Internet via a communication network such as the Internet. In an online check method for determining whether or not a trading party is normal in a commercial transaction for sending and receiving a commercial transaction, a reference party identifier different from a previously stored party identifier corresponding to a party identifier, and a reference party signal generation Means for detecting and generating a reference party identifier signal generated by a reference Compares the parties detection identifier is an online check method of commerce of the transaction the parties to determine whether normal or not. If you use this method,
When a transaction is performed by an abnormal party, the abnormal party does not have a reference party signal generating means having the reference party identifier. Since it does not match with the reference party detection identifier, it can be determined that the transaction is not normal, and an abnormal transaction can be immediately detected online, the transaction can be interrupted, and abnormal use can be prevented. Further, improper use can be immediately displayed at the site of use, and improper users can be restrained.

According to a tenth aspect of the present invention, there is provided a method for online checking of a party in a commercial transaction, the method comprising detecting a signal from a card for a commercial transaction or a mobile communication terminal or reading information from a memory or the like to generate a party identifier and a party identifier generating means. A transaction management device for managing a transaction of a product or service from a transaction terminal device provided with a transaction information inputting means for inputting information and a communication means such as the Internet via a communication network such as the Internet. A first step of transmitting a party identifier from a party identifier generation means to a transaction management device in a online check method for determining whether or not a transaction party is normal in a transaction for sending and receiving a transaction, A different reference from the corresponding previously stored party identifier. A second step of reading the party identifier of the user and transmitting a reference party identifier corresponding to the party identifier to the comparing means; and having a reference party identifier existing in the vicinity of the reference party identifier detection means by the reference party identifier detection means. A third step of detecting a reference party identifier signal from a reference party identifier generation means for generating a reference party identifier signal, extracting a reference party detection identifier, and transmitting it to comparison means; And a fourth step of comparing the detection identifier with the reference party identifier to determine whether the transaction party is normal. The online check method for determining whether the transaction party is normal in a commercial transaction. According to this method, if a transaction is performed by an abnormal party, the abnormal party does not have the reference party signal generating means having the reference party identifier. Even if it has started, since the referring party identifier and the referring party detection identifier do not match, it can be determined that the transaction is not normal, and the online transaction is immediately detected, the abnormal transaction is detected, and the transaction is interrupted. Unusual use can be prevented. In addition, fraudulent abuse can be displayed immediately at the site of use,
It is also possible to restrain unauthorized users.

The online check method of trading parties according to claim 11 commerce in an online checking method transaction party of commerce according to claim 9, reference party identifier generating means to the mobile communication terminal, a third step , The reference party identifier detecting means receives a location registration request signal including a mobile communication terminal identifier of the mobile communication terminal, and extracts the reference party detection identifier which is a mobile communication terminal identifier from the location registration request signal An online check method is used to determine whether or not the trading party in the commercial transaction to be detected is normal. According to this method, in addition to the function and effect described in claim 9, the reference party signal generating means can utilize the mobile communication network already installed and used and the mobile communication terminal possessed by the trading party. For example, there is an operational effect that it can be realized without newly providing a reference party signal generating means.

A twelfth aspect of the present invention provides an online check system for a commercial transaction party which detects a signal from a commercial transaction card or a mobile communication terminal or reads information from a memory or the like to generate a party identifier and a party identifier generating means. From a commerce terminal device equipped with commerce information input means for inputting information and communication means such as the Internet,
An online check system for transmitting and receiving information such as the above-mentioned party identifier and commercial transaction information to a commercial transaction management device that manages commercial transactions of goods and services through a communication network such as the Internet, and determines whether or not the transaction party in the commercial transaction is normal. In, a party identifier generating means for generating a party identifier, commercial transaction information input means for inputting commercial transaction information, communication means for transmitting and receiving information via a communication network,
A computer means for controlling the entire commerce terminal device together with the operation data processing, and transmitting a party identifier and commerce information to the commerce management device; a commerce terminal device and a commerce management device, or a reference party identifier detecting means Or a communication network for mutually communicating information with the comparing means, a computer means for controlling and operating the commercial transaction management device to manage commercial transactions of goods and services, and a party identifier corresponding to the commercial transaction information and the party identifier. Storage means for storing another reference party identifier, and communication means for transmitting and receiving the party identifier and the transaction information from the commerce terminal device via a communication network, and stores the reference party identifier corresponding to the party identifier in the transaction terminal. An apparatus or a commercial transaction management apparatus for transmitting to a reference party identifier detecting means or a comparing means; Reference-party-identifier detection means for extracting and detecting a reference-party detection identifier from a reference-party-identifier signal from a reference-party-identifier generation means in the vicinity of the reference-party-identifier detection means, and transmitting the detection and transmission to a comparison means; And a comparison means for comparing the reference party detection identifier from the reference party identifier generation means with the reference party detection identifier to determine whether the transaction party is normal or not. With such a method, if a business transaction is performed by an abnormal party, the abnormal party does not have the reference party signal generating means having the reference party identifier.
Even if an unusual commerce commences, the referencing party identifier and the referencing party detection identifier do not match, so it can be determined that the transaction is not normal. There is an operational effect of interrupting the operation and preventing abnormal use. Furthermore, the reference party signal generation means can be realized without newly providing the reference party signal generation means by utilizing the mobile communication network already installed and used and the mobile communication terminal possessed by the transaction party. There is an operational effect.

According to a thirteenth aspect of the present invention, there is provided a method for online communication with a trading party in a commercial transaction, comprising: detecting a signal from a commercial card, a mobile communication terminal, or the like; reading information from a memory, etc .; A transaction processing device which transmits and receives information such as the party identifier and the transaction information from a transaction terminal device having a transaction information input means for inputting transaction information to a transaction management device which manages the transaction of goods and services through a communication network such as the Internet. A first step of transmitting a party identifier and commercial transaction information from a party identifier generation means to a commercial transaction management device in a method of online contacting a transaction party of a commercial transaction, and a party stored in advance in the commercial transaction management device corresponding to the party identifier. Reading a reference party identifier different from the identifier, the reference party identification; The method comprises the second step of transmitting commercial transaction information to a child mobile communication terminal via a mobile communication network. With this method, if a commercial transaction is performed by an abnormal party, the commercial transaction information is transmitted to the mobile communication terminal having the reference party identifier possessed by the normal party via the mobile communication network. Since the information is transmitted, the abnormal business transaction can be immediately communicated online, and the normal party can immediately contact the commercial transaction site by telephone or the like to interrupt the business transaction and prevent the abnormal use. Further, there is an operational effect that an unauthorized user can be restrained. Furthermore, this online communication method can be realized without using any additional equipment or equipment by utilizing the mobile communication network already installed and used and the mobile communication terminal possessed by the transaction party. is there.

According to a fourteenth aspect of the present invention, there is provided an on-line communication system for trading parties, which detects a signal from a trading card or a mobile communication terminal or reads information from a memory or the like to generate a party identifier and a party identifier generating means. A transaction management device for managing a transaction of a product or service from a transaction terminal device provided with a transaction information inputting means for inputting information and a communication means such as the Internet via a communication network such as the Internet. An online communication system for trading parties of a commercial transaction that sends and receives to and from which a transaction is processed, a party identifier generating means for generating a party identifier, a commercial transaction information inputting means for inputting transaction information, and a communication means for transmitting and receiving information via a communication network , Control the entire commerce terminal device together with the calculation data processing A commerce terminal device comprising computer means for transmitting the party identifier and the transaction information to the transaction management device; a communication network including the Internet and a mobile communication network for mutually transmitting the transaction terminal device and the transaction management device; and a communication network. Communication means for transmitting and receiving information via the computer, computer means for controlling the commercial transaction management device and managing commercial transactions of goods and services, and storing a reference party identifier different from the party identifier corresponding to the commercial transaction information and the party identifier A transaction management device comprising storage means, receiving the party identifier and the transaction information via a communication network, and transmitting the transaction information to a mobile communication terminal of a reference party identifier corresponding to the party identifier via the communication network; A communication unit for transmitting and receiving information from a mobile communication network; Via the signal network is to be a commercial transaction party online communication system that comprises a mobile communication terminal that receives and outputs transaction information representation. With such an online communication system, if a commercial transaction is performed by an abnormal party, the commercial transaction is performed via a mobile communication network to a mobile communication terminal having a reference party identifier possessed by the normal party. Since the information is transmitted, an abnormal business transaction can be immediately reported online, and a normal party can immediately contact a commercial transaction site by telephone or the like to interrupt the business transaction and prevent abnormal use. Further, there is an operational effect that an unauthorized user can be restrained. Furthermore, this online communication method can be realized without using any additional equipment or equipment by utilizing the mobile communication network already installed and used and the mobile communication terminal possessed by the transaction party. is there.

According to a fifteenth aspect of the present invention, there is provided a method for acquiring online acknowledgment information of a trading party of a commercial transaction, comprising detecting a signal from a commercial card or a mobile communication terminal or reading information from a memory or the like and generating a party identifier. From the commerce terminal device having commerce information input means for inputting the commerce information and the information such as the party identifier and the commerce information via a communication network such as the Internet to a commerce management device for managing the commerce of goods and services. In a method for obtaining online consent information to a trading party of a commercial transaction to be processed, a first step of transmitting a party identifier and commercial transaction information from a party identifier generating means to a commercial transaction management device, and storing in advance the commercial transaction management device corresponding to the party identifier. A reference party identifier different from the referred party identifier is read out and the reference A second step of transmitting commercial transaction information to the mobile communication terminal having the referencing party identifier via the mobile communication network, and transmitting information relating to acceptance or rejection from the mobile communication terminal having the reference party identifier to the mobile communication network. And a third step of transmitting the information to the commercial transaction management device via the Internet. According to this method, if a business transaction is performed by an abnormal party, the abnormal party does not have a mobile communication terminal having a reference party identifier, and thus starts the abnormal business transaction. Even if this is done, the information relating to the approval is not transmitted to the commercial transaction management device, so it can be determined that the transaction is not normal, and the abnormal commercial transaction can be immediately interrupted online and the abnormal use can be prevented. Further, there is an operational effect that an unauthorized user can be restrained. Further, since the commercial transaction information is transmitted to the mobile communication terminal having the reference party identifier possessed by the normal party via the mobile communication network, the function and effect that the normal party can know the existence of the unauthorized user can be obtained. Yes, the party identifier can be changed quickly. Furthermore, the present online consent information acquisition method can be realized without using any new equipment or equipment by utilizing the mobile communication network already installed and used and the mobile communication terminal possessed by the transaction party. effective.

[0026] The online consent information acquisition system for a commercial transaction party according to claim 16 is a party identifier generation means for detecting a signal from a business card or a mobile communication terminal or reading information from a memory or the like to generate a party identifier. From a commerce terminal device having commerce information input means for inputting commerce information and communication means such as the Internet, and the above-mentioned party identifier and information such as commerce information through a communication network such as the Internet to manage commerce of goods and services. A party identifier generating means for generating a party identifier in an online consent information acquisition system of a trading party of a commercial transaction that sends and receives a transaction to and from a management device;
A commerce information input means for inputting commerce information, a communication means for transmitting and receiving information via a communication network, and a computer means for controlling the entire commerce terminal device together with arithmetic data processing; A commerce terminal device for transmitting the commerce terminal device and the commerce management device to each other, a communication network including a mobile communication network such as the Internet, a communication means for transmitting and receiving information via the communication network, and a commerce management device. Computer means for controlling and managing commercial transactions of goods and services; storage means for storing a reference party identifier different from the party identifier in correspondence with the commercial transaction information and the party identifier; and Receiving the information and transmitting the transaction information to the mobile communication terminal of the reference party identifier corresponding to the party identifier via the communication network. A commerce management device for transmitting, a communication means for transmitting and receiving information from a mobile communication network, a representation output means for generating a voice or displaying on a display, and an operation input means for inputting acknowledgment information or rejection information; The user of the mobile communication terminal senses the expression output from the expression output means by receiving the commercial transaction information via the body communication network, and transmits the acknowledgment information or the denial information operated by the user to the transaction management device or the transaction terminal device. The system is a system for acquiring online approval information of a trading party of a commercial transaction having a mobile communication terminal that transmits the information via a mobile communication network. With this online consent information acquisition system, if a business transaction is performed by an abnormal party, the abnormal party does not have a mobile communication terminal having a reference party identifier. Even if the commerce commences, the information related to the approval is not transmitted to the commerce management device or the commerce terminal device, so it can be determined that the transaction is not normal,
Immediately on-line, suspend abnormal business transactions and prevent abnormal use. Further, there is an operational effect that an unauthorized user can be restrained. Furthermore, since the transaction information is transmitted to the mobile communication terminal having the reference party identifier possessed by the normal party via the mobile communication network,
There is an operational effect that a normal party can know the existence of an unauthorized user, and the party identifier can be changed quickly. Furthermore, the online consent information acquisition system can be implemented without any additional equipment or equipment by utilizing the mobile communication network already installed and used and the mobile communication terminals owned by the trading parties. effective.

[0027]

DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described.
This will be specifically described with reference to FIGS. FIG.
FIG. 1 is a block diagram showing an overall configuration of an online check system 81 of a trading party of a commercial transaction according to a first embodiment of the present invention. FIG. 2 shows an online check system 81.
FIG. 4 is an explanatory diagram showing main signal and information flows.

The on-line check system 81 of the trading party of the commercial transaction includes a commercial transaction terminal 1 which is a commercial transaction terminal device, a commercial transaction management computer 2 which is a commercial transaction management device, the commercial transaction terminal 1, the commercial transaction management computer 2, and a mobile communication control device 40. A communication network 3 comprising the Internet 31 for mutually transmitting the information, a mobile communication terminal 50 as the reference party signal generating means 5, and a mobile communication base station 41
Detecting means 4 composed of a mobile communication control device 40
Is provided.

The commercial transaction terminal 1 is an identifier detecting unit 106 which is a party identifier generating means comprising a card reader.
A communication unit 102 that is a communication unit that receives information of the commercial transaction management computer 2 and the like from the communication network 3 and transmits information to the commercial transaction management computer 2 and the like via the communication network 3;
An operation input unit 105 which is a commercial transaction information input means for inputting information such as a commercial transaction, a storage unit 103 for storing information, a display unit 104 for displaying information, and various units of the commercial transaction terminal 1 which are controlled and processed by arithmetic data processing to obtain commercial transaction information. It has a computer unit 101 that generates 10101A. The identifier detecting unit 106 reads the party identifier signal 1101S from the card 11, generates the party identifier 10601A, and is the identifier of the identifier detecting unit 106.
Identifier storage unit 10 of identifier detection unit 106 included in
61 reads out and generates a preset party identifier generation means identifier 10602A and
Output to Commerce terminal 1 has a party identifier 10601
Via the communication network 3 commerce information 10101A A and party identifier generating unit identifier 10602A from the communication unit 102 transmits the transaction management computer 2.

The commercial transaction management computer 2 receives the party identifier 10601A, the party identifier generating means identifier 10602A, and the commercial transaction information 1 from the commercial transaction terminal 1 via the communication network 3.
0101A, and receives the position data signal 4 from the mobile communication control device 40 of the position detecting means 4 via the communication network 3.
001S and transmits the normal transaction data 2010A or the abnormal transaction data 2011A to the commercial transaction terminal 1 via the communication network 3 as a pair with the party identifier 10601A, and the mobile communication control device 40 of the position detecting means 4 A communication unit 202 that is a communication unit that transmits a reference position detection request signal 20201S, and a storage unit 203 that stores information.
, A display unit 204 for displaying information, an operation input unit 205 for inputting input information, and a commercial transaction management computer 2
And a computer unit 201 for processing arithmetic data including comparison operations and performing commercial transaction management processing.

The reference party identifier 2030 of the reference party signal generator 5 corresponding to the party identifier 10601A.
1A and a party identifier generating means identifier 10602A
Identifier generating means position data 20302A, which is commercial transaction position data corresponding to the above, is input from the operation input unit 205 and stored in the storage unit 203 in advance by the computer unit 201. Here, identifier generation means position data 20302
A is an identifier detector 106 which is a party identifier generator.
, Identifier generating means position data 20302A of mobile communication base stations 41X, 41Y and 41Z of mobile communication companies X, Y and Z, ie, 20302AX1,
20302AY1, 20302AZ1 are stored, and the mobile communication base stations 41X2, 41X3, 41X4, 41Y adjacent to the mobile communication base stations 41X1, 41Y1, 41Z1 where the identifier detection unit 106 is located.
2, 41Y3, 41Y4, 41Z2, 41Z3, 41Z
4, the identifier generation means position data 20302A, that is, X
20302AX2, 20302AX3, 2030
2AX4, Y company's, 20302AY2, 20302AY
3, 20302AY4, Z company's, 20302AZ2, 2
0302AZ3 and 20302AZ4 are stored. In other words, the identifier generation means position data 20302A is 2
0302AX1, 20302AX2, 20302AX
3, 20302 AX4, Y company's 20302 AY 1, 20
302AY2, 20302AY3, 20302AY4,
Company Z's 20302AZ1, 20302AZ2, 2030
2AZ3 and 20302AZ4.

Here, the commercial transaction position data generating means is the storage unit 203.

Upon receiving the party identifier 10601A, the party identifier generation means identifier 10602A, and the transaction information 10101A from the transaction terminal 1, the transaction management computer 2 checks online whether the transaction is performed by a normal party. That is, first, the reference party identifier 20301A of the reference party signal generation means 5 corresponding to the party identifier 10601A is stored in the storage means 20.
3 and transmits a reference position detection request signal 20201S including the reference party identifier 20301A to the mobile communication control device 40 via the communication network 3 to request detection of the position. Mobile communication terminal 50 having a referencing party identifier 20301A
Data signal 400 including the base station identifier 4101A of
1S is received. Next, the party identifier generation means identifier 1
The identifier generation unit position data 20302A, which is the commercial transaction position data corresponding to 0602A, is read from the storage unit 203, which is the commercial transaction position data generation unit, and is compared with the base station identifier 4101A extracted from the position data signal 4001S and determined. If any of the identifier generation means position data 20302A matches the base station identifier 4101A, it is regarded as a normal transaction, the normal transaction data 2010A is transmitted to the commercial transaction terminal 1 via the communication network 3, and the transaction processing is continued. , If not, the transaction is abnormal and transaction processing is interrupted.
The process proceeds to the abnormal transaction processing, the commercial transaction is determined to be unsuccessful, and the abnormal transaction data 2011A is transmitted to the commercial transaction terminal 1 via the communication network 3.

The position detecting means 4 is a mobile communication control device 40
And a mobile communication base station 41, and receives the reference position detection request signal 20201S including the reference party identifier 20301A from the commercial transaction management computer 2, and serves as the reference party signal generation means 5 for the corresponding reference party identifier 20301A. The position of the mobile communication terminal 50 is detected, and reference party position data is transmitted to the commercial transaction management computer 2.

The mobile communication control device 40 includes an antenna 40
21, a communication unit 402 for mutually transmitting information with the mobile communication base station 41, a communication network communication unit 404 for connecting to the communication network 3 and mutually transmitting information, and a storage unit 403 for storing necessary information. And a computer unit 401 that controls each unit of the mobile communication control device 40.

The mobile communication base station 41 has an antenna 4121
The base station area signal 4101S including the base station identifier 4101A is generated at a predetermined cycle from the antenna 4121, and the mobile communication terminal identifier 5
Antenna 4121 receives position registration request signal 5002S including 001A and base station identifier 4101A, and transmits and outputs from antenna 4121 to mobile communication control apparatus 40.

The mobile communication terminal 50 serving as the reference party signal generating means 5 receives the base station area signal 4101S including the base station identifier 4101A from the mobile communication base station 41 at power-on or at intervals of a predetermined time. Receiving
Mobile communication terminal identifier 5001A and base station identifier 410
1A is a reference party signal including a location registration request signal 5
002S is transmitted to the mobile communication control device 40 via the mobile communication base station 41. The mobile communication control device 40 extracts the base station identifier 4101A, which is reference party position data, from the position registration request signal 5002S corresponding to the mobile communication terminal identifier 5001A of the mobile communication terminal 50, and stores it in the storage unit 403. As described above, the mobile communication control device 40 stores the base station identifier 4101A, which is the reference party position data corresponding to the mobile communication terminal identifier 5001A of each mobile communication terminal 50, in the storage unit 403. Of the mobile communication terminal 50 is controlled. These functions are well-known functions and operations of mobile communication, and the detailed description thereof will be omitted.

Further, the mobile communication control device 40 transmits a reference position detection request signal 20201S including the reference party identifier 20301A requesting position detection from the commercial transaction management computer 2 via the communication network 3 to the communication network communication unit 404. Upon receiving this, the reference party identifier 20301A is extracted, and the base station identifier 4101A, which is the reference party position data corresponding to the mobile communication terminal identifier 5001A that matches the reference party identifier 20301A, is read from the storage unit 403, and The position data signal 4001S including the identifier 4101A is transmitted to the communication network communication unit 404 via the communication network 3.
And sends it to the commercial transaction management computer 2. The mobile communication control device 40 comprises a plurality of mobile communication base stations 41 and a plurality of mobile communication terminals 50, which constitute a mobile communication network 450, and a communication function for mobile communication between the mobile communication terminals 50. , so that it is a mobile communication of the data transmission and reception commonly. Here, it is assumed that the mobile communication terminal 50 is connected to the mobile communication control device 40X of Company X, and it is possible to determine to which mobile communication company it belongs based on the reference party identifier 20301A.

Also, the steps of the online check method for determining whether or not the trading party in the commercial transaction is normal in the online check system 81 for the trading party in the commercial transaction include the steps of: A first step of transmitting the 10602A and the party identifier 10601A to the transaction management computer 2 (commerce transaction management device); The identifier 20301A is read out and the reference party identifier 20301 corresponding to the party identifier 10601A is read out.
A second step of transmitting A to the position detecting means 4;
A base station identifier 4101A (reference party position data) is detected from the location registration request signal 5002S, which is a reference party signal generated by the reference party signal generation means 5 having A, and transmitted to the computer unit 201 (comparison means). Step 3 and a party identifier generation means identifier 10602
A storage unit 2 which is a commercial transaction position data generating means for storing the commercial transaction position data of the identifier detecting unit 106 in advance corresponding to A
A third step of transmitting the identifier generation means position data 20302A (commercial transaction position data) corresponding to the party identifier generation means identifier 10602A to the computer unit 201 (comparison means) by reading and generating the same from the third party;
The computer unit 201 (comparing means) includes a fifth step of comparing the identifier generating means position data 20302A (commercial transaction position data) with the base station identifier 4101A (reference party position data) to determine whether or not the data is normal. I have.

Next, the operation of the online check system 81 of the transaction party in the HH first embodiment will be described. In describing the operation, reference party identifier 2
0301A is described using “0903123456” as an example. The head number of the mobile communication terminal identifier 5001A whose line is controlled by the mobile communication control device 40 of Company X is “0”.
90 ". As a result, the mobile communication control device 4 of company X
It is possible to determine that the line is controlled by the mobile communication base station 41X of the company X and the company X.

When a commercial transaction party, who is a consumer carrying the card 11 and the mobile communication terminal 50, performs shopping at a store where the commercial transaction terminal 1 is provided and passes the card 11 to a clerk, the clerk inputs an electronic transaction start operation, Computer unit 101 starts an electronic transaction operation upon receiving electronic transaction start signal 10505S from operation input unit 105.

In the first step, the computer 10
1 activates the identifier detection unit 106, and
Reads out and generates the party identifier 10601A from the card 11, reads the party identifier generation means identifier 10602A from the identifier storage unit 1061, and outputs it to the computer unit 101. The computer unit 101 includes a party identifier 10601A and a party identifier generation means identifier 1
0602A to the communication unit 102 via the communication network 3,
Further, the computer unit 201 is connected via the communication unit 202.
Send to

In the second step, the computer 20
1 reads out a reference party identifier 20301A different from the party identifier 10601A, which is stored in the storage unit 203 in advance corresponding to the party identifier 10601A, and reads the reference party identifier 2030 corresponding to the party identifier 10601A.
1A, that is, “09031234567”
Via the communication network 3 is output to 2, reference party identifier 20
It transmits to the mobile communication control device 40 to which 301A belongs, that is, the computer unit 401X of the mobile communication control device 40 of Company X via the communication network communication unit 404X.

In the third step, the mobile communication terminal 50 serving as the reference party signal generating means 5
Mobile communication terminal identifier 5001A and base station identifier 410
1A is transmitted to the mobile communication control device 40 via the mobile communication base station 41, and the mobile communication control device 40
The base station identifier 4101A, which is the reference party position data corresponding to the mobile communication terminal identifier 5001A, is stored in the storage unit 403. Reference party identifier 2030
1A, that is, the computer unit 401X of the mobile communication control device 40 of Company X to which “09031234567” belongs.
When the reference position detection request signal 20201S including the reference party identifier 20301A is received from the communication network communication unit 404X via the communication network 3, the reference party identifier 20201S
301A, that is, “09031234567”, and extracts the reference party identifier 20301A, that is, “090
3123567 ”mobile communication terminal identifier 5
The base station identifier 4101A, which is reference party position data corresponding to 001A, is read from the storage unit 403X, and a position data signal 4001S including the base station identifier 4101A is read.
Is transmitted from the communication network communication unit 404X to the commercial transaction management computer 2 via the communication network 3. The computer unit 201 receives the base station identifier 4101A, which is reference party position data, from the position data signal 4001S from the communication network communication unit 404X via the communication network 3.

In the fourth step, the computer 20
1 reads the identifier generation means position data 20302A which is the commercial transaction position data stored in the storage unit 203 in advance corresponding to the party identifier generation means identifier 10602A, and the storage unit 203 stores the computer unit 201 (comparing means).
To output the identifier generation means position data 20302A.
Here, the identifier generation means position data 20302A is 20302AX1, 20302AX2, 20302A of Company X.
X3, 20302AX4, Y company's 20302AY1, 2
0302AY2, 20302AY3, 20302AY
4. Company Z's 20302AZ1, 20302AZ2, 20
302AZ3 and 20302AZ4.

In the fifth step, the computer section 20
1 (comparing means) compares the identifier generating means position data 20302A, which is commercial transaction position data, with the base station identifier 4101A, which is reference party position data, and determines whether or not the data is normal. Base station identifier 4101A is 20302A of company X
X1, 20302AX2, 20302AX3, 2030
2AX4, that is, if the position is within a predetermined range and is within a predetermined range, the commercial transaction is determined to be a transaction by a normal party, normal transaction data 2010A is generated, and Further, the information is transmitted to the computer unit 101 via the communication unit 102. If none of them match, if the position is not within the predetermined range, or if the reference party position data cannot be received and does not exist within the predetermined time, it does not match, so it is judged as an abnormal transaction, The abnormal transaction data 2011A is generated and transmitted to the computer 101 via the communication network 3 and further via the communication unit 102.

The computer unit 101 stores the normal transaction data 2
010A, the generated commercial transaction information 10101A input from the operation input unit 105, which is shopping information corresponding to the party identifier 10601A, and the party identifier 1
0601A to the computer unit 201 of the commercial transaction management computer 2,
Then, the information is transmitted to the computer unit 201 via the communication unit 202, and the storage unit 203 stores the record information of the necessary commercial transaction in which the normal commercial transaction is performed.

When the computer unit 101 receives the abnormal transaction data 2011A, the commercial transaction operation is interrupted, and the commercial transaction is not established. Further, the computer unit 101 displays the abnormal transaction data 2011A on the display unit 104.
When the abnormal transaction data 2011A is displayed on the display unit 104, the clerk notifies the security person and security / police personnel as necessary.

As described above, since the unauthorized user of the card 11 does not have the mobile communication terminal 50 having the reference party identifier 20301A, when the unauthorized use is performed, the unauthorized use is immediately performed online. Check detect
Suspend commercial transactions and prevent unauthorized use. Further, since the unauthorized use is displayed on the spot, the unauthorized user can be restrained on the spot. In addition, after the online confirmation that the transaction is normal, it is possible to handle the commercial transaction online, thereby preventing all abnormal transactions. Further, the mobile communication terminal 50, the mobile communication control device 40, and the mobile communication base station 4 which are already installed and used in the conventional transaction system using a card or the like.
The present invention can be easily configured only by combining 1 with each other. Note that the transmission and reception speeds of the communication network 3 are desirably fast because they are waiting times for commercial transactions, and it is desirable that the response time for transmission and reception be within a few seconds or at most 60 seconds.

Further, in the embodiment, the Internet 31 is used as the communication network 3. However, the communication network 3 is not limited to the Internet 31, but may be a public telephone line, a wired cable line, or a wireless communication network. It goes without saying that it is possible to use any of them.

Further, it goes without saying that, in the online check method for determining whether or not a transaction party in a commercial transaction is normal, the order of each step may be any order as long as it can be compared with necessary information transmission.

Further, in the first embodiment, one reference party identifier 20301A has been described. However, it is needless to say that a limited plurality of reference party identifiers 20301A may be used. At this time, the reference party position data of any of the plurality of reference party identifiers 20301A of the mobile communication terminal 50 is the identifier generation means position data 2
Needless to say, it should just coincide with 0302A.

In the first embodiment, the position detecting means 4
Comprises a mobile communication control device 40 and a mobile communication base station 41, and a reference position detection request signal 2020 including a reference party identifier 20301A from the commercial transaction management computer 2.
1S and corresponding reference party identifier 20301A
The reference party signal generation means 5, that is, the position of the mobile communication terminal 50 as the reference mobile communication terminal is detected, and the base station identifier 4101A is transmitted to the transaction management computer 2 as reference party position data. Rather,
The GPS (global pointing system) position detecting means 4 is mounted on the mobile communication terminal 50, and the mobile communication terminal 50 is connected to the mobile communication control device 40 via the mobile communication base station 41 from the mobile communication terminal 50. GPS reference party position data of the mobile communication terminal 50 is stored.
It is needless to say that the reference position data for reference can be transmitted to the commercial transaction management computer 2 as position data of position coordinates expressed by GPS.

Next, a second embodiment will be described with reference to FIG. FIG. 3 is a block diagram showing the configuration of the commerce terminal 1 of the online check system 81 of the transaction party of the transaction which is the second embodiment of the present invention.

The on-line check system 81 for a trading party of a commercial transaction checks a trading party of a commercial transaction by a commercial transaction terminal 1 such as a personal computer used for an ordinary individual or company's Internet commerce online. As a second embodiment, in the first embodiment, as the party identifier generating means, the identifier detecting unit 106 reads the party identifier signal 1101S of the card 11 and reads the party identifier 1
0601A is generated, but instead, as the second embodiment, the transaction terminal 1 is used as the party identifier generation means.
Is stored as an address 10601A of the commercial transaction terminal 1 in the identifier storage unit 1061 as the identifier detection unit 106. Further, in the first embodiment, the identifier detection unit 106 reads out and generates the party identifier generation means identifier 10602A and outputs it to the computer unit 101. A certain party identifier 10601A is output, and there is no party identifier generation means identifier 10602A, which is unnecessary. The party identifier generation means identifier 10602A of the first embodiment is replaced with the party identifier 10601A, and the identifier generation means position data 20302A, which is the transaction position data of the identifier detection unit 106, is the storage as the transaction position data generation means of the transaction management computer 2. It is stored in the unit 203 in advance not corresponding to the party identifier generation means identifier 10602A but to the party identifier 10601A.

In the second embodiment, the commercial transaction terminal 1 has an identifier detection unit 106 (party identifier generation means) that stores an address 106011A that is a party identifier 10601A.
And a communication unit 102 (communication means) that receives information of the commercial transaction management computer 2 and the like from the communication network 3 and transmits information to the commercial transaction management computer 2 and the like via the communication network 3 and inputs information of the commercial transaction and the like. An operation input unit 105 (commercial transaction information input means), a storage unit 103 for storing information, a display unit 104 for displaying information, and a computer unit 101 for controlling each unit of the commercial transaction terminal 1 and performing arithmetic data processing to generate commercial transaction information 10101A. Is provided. The transaction management computer 2 (transaction management device), the communication network 3, the position detecting means 4, and the reference party signal generating means 5 have the same configuration as that of the first embodiment, and are not shown.

The storage unit 2 of the commercial transaction management computer 2
03 stores identifier generating means position data 20302A corresponding to the party identifier 10601A, and identifier generating means position data 2 corresponding to the party identifier 10601A.
0302A is read.

The identifier detection unit 106 stores the address 10601A stored in advance, that is, the party identifier 1060
1A is read and generated, and output to the computer unit 101. The commercial transaction terminal 1 transmits the party identifier 10601A and the commercial transaction information 10101A from the communication unit 102 to the commercial transaction management computer 2 via the communication network 3.

In the first step of the second embodiment, the computer unit 101 controls the identifier storage unit 1061, which is the identifier detection unit 106, under the control of the computer unit 101.
Party identifier 10601 that is address 10601A
A is generated and output to the computer unit 101. The computer unit 101 transmits the party identifier 10601A to the communication unit 10
2 via the communication network 3 and further through the communication unit 202
To the computer unit 201 via the.

The operations of the second, third and fifth steps are the same as in the first embodiment.

In the fourth step, the storage unit 203, which is the commercial transaction position data generating means, is controlled by the computer unit 201, and the identifier generating means position data 20302A, which is the commercial transaction position data stored in advance corresponding to the party identifier 10601A. Is generated and output to the computer unit 201 (comparing means).

Even in this case, the abnormal user is the reference party identifier 2 corresponding to the party identifier 10601A.
Since the mobile communication terminal 50 having 0301A is not possessed, when an abnormal business transaction using a communication network such as the Internet is performed, it is immediately checked online and the business transaction can be interrupted, thereby preventing fraud. can do. Especially in Internet transactions,
The present invention provides enormous precautionary measures against such misconduct from outside the country. Also, as described above, the commercial transaction position data includes the party identifier 10
Identifier generating means position data 2 stored in advance in storage unit 203 corresponding to party identifier 10601A from 601A
0302A can be read out, the party identifier generation means identifier 10602A becomes the party identifier 10601A
A and can be unnecessary.

Next, a third embodiment will be described with reference to FIG. FIG. 4 is a block diagram showing a configuration of the commerce terminal 1 and the communication network 7 of the online check system 81 of the transaction party of the transaction which is the third embodiment of the present invention.

As a third embodiment, in the second embodiment,
The commerce terminal 1 is a terminal such as a personal computer, and an identifier such as the address 106011A of the commerce terminal 1 is a party identifier 10
601A, but instead, the commercial transaction terminal 1 is the mobile communication terminal 155, and the mobile communication terminal identifier 15501A of the mobile communication terminal 155 is the party identifier 10601.
A. Also, the identifier generation means position data 203
02A (commercial transaction position data) is stored in advance in the storage unit 203 of the commercial transaction management computer 2 in correspondence with the party identifier 10601A, but instead, the identifier generating means position data of the mobile communication terminal 155 as the party identifier generating means is used. A position data detection and generation unit 177 for detecting and generating 20302A (commerce transaction position data) is provided. That is, the commercial transaction position data generating means is the storage unit 203
Instead, it is a position data detection / generation unit 177.
The position data detection and generation means 177 is provided in the computer unit 101 of the commercial transaction terminal 1 and controls the mobile communication terminal 155 to communicate with the mobile communication base station 71 of the mobile communication network 7.
The base station identifier 7101A is extracted and generated by the computer unit 101 of the mobile communication terminal 155 from the base station area signal 7101S including the base station identifier 7101A in which the base station identifier 7101A occurs, and is stored in the storage unit 103. It is generated and transmitted to the commercial transaction management computer 2 via the communication section 102 and the communication network 3 including the communication network 7.

The mobile communication terminal 155 which is the commercial transaction terminal 1
Is provided with an identifier detection unit 106 (party identifier generation means) for storing a mobile communication terminal identifier 15501A, which is a party identifier 10601A, and an antenna 1021, and is connected to the commercial transaction management computer 2 or the like from the communication network 3 including the mobile communication network 7. A communication unit 102 (communication means) for receiving information and transmitting the information to the commercial transaction management computer 2 or the like via the communication network 3 including the mobile communication network 7; Commercial transaction information input means), a storage unit 103 for storing information, and a display unit 10 for displaying information.
4. Controlling the voice input / output, call voice output, voice input / output unit 107 for detecting voice, and each unit of the mobile communication terminal 155,
A computer unit 101 that controls telephone calls, data communications, and the like via the mobile communication base station 71, and that performs computational data processing to generate commercial transaction information 10101A. The mobile communication terminal 155, which is the commercial transaction terminal 1, is connected to the communication network 3 via the communication unit 102, the mobile communication base station 71, and the mobile communication control device 70. The mobile communication terminal 155 transmits the party identifier 10601A, the identifier generation means position data 20302A, and the commercial transaction information 10101A from the communication unit 102 to the commercial transaction management computer 2 via the communication network 3.

The mobile communication network 7 includes a mobile communication base station 71 and a mobile communication control device 70, and the mobile communication terminal 155
They are connected to each other and to the communication network 3 so that information can be transmitted to each other.

The mobile communication control device 70 includes an antenna 70
21, a communication unit 702 for mutually transmitting information with the mobile communication base station 71, a communication network communication unit 704 for connecting to the communication network 3 and mutually transmitting information, and a storage unit 703 for storing necessary information. And a computer unit 701 that controls each unit of the mobile communication control device 70.

The mobile communication base station 71 has an antenna 7121
The base station area signal 7101S including the base station identifier 7101A is generated from the antenna 7121, and the mobile communication terminal identifier 15501A from the mobile communication terminal 155 is provided.
Registration request signal 50 including the ID and base station identifier 7101A
02S is received by the antenna 7121 and the antenna 7121
To the mobile communication control device 70. Commerce terminal 1 comprising mobile communication terminal 155 is mobile communication base station 71
And receives a base station area signal 7101S including the base station identifier 7101A from the mobile communication terminal identifier 15501A.
Registration request signal 70 including the ID and the base station identifier 7101A
02S is transmitted to the mobile communication control device 70 via the mobile communication base station 71. The mobile communication control device 70 determines the mobile communication terminal identifier 15501A of each mobile communication terminal 155.
Is received and stored in the storage unit 703. Thus, the mobile communication control device 7
0 controls the communication line of each mobile communication terminal 155 by storing the base station identifier 7101A corresponding to the mobile communication terminal identifier 15501A of each mobile communication terminal 155 in the storage unit 403, and Body communication base station 7
1 constitutes the mobile communication network 7 so that mobile communication terminals 155 can transmit and receive a mobile communication call and data.

The operation of the mobile communication terminal 155 will be described in more detail. The mobile communication terminal 155 is connected to the mobile communication base station 7.
The communication unit 102 receives the base station area signal 7101S including the base station identifier 7101A from
01, the base station identifier 7101A is extracted.
To memorize. In addition, the mobile communication terminal 155 performs an operation of requesting a position registration at power-on or at predetermined time intervals to secure a communication line. That is, the mobile communication terminal identifier 1
A location registration request signal 15502S including 5501A and the extracted and stored base station identifier 7101A is transmitted to the mobile communication control device 70 via the mobile communication base station 71 via the communication unit 102. The mobile communication control device 70 stores the base station identifier 7101A corresponding to the mobile communication terminal identifier 15501A of each mobile communication terminal 155 in the storage means 703 and uses it for communication line control. Here, at the start of the commercial transaction, the computer unit 101 reads the mobile communication terminal identifier 15501A, which is the party identifier 10601A, from the identifier detecting unit 106, and extracts the base station identifier 7101A, which is the commercial transaction position data, from the base station area signal 7101S. Alternatively, the information is read from the extracted and stored storage unit 103 and transmitted from the communication unit 102 to the commercial transaction management computer 2 via the mobile communication base station 71 and the mobile communication control device 70 via the communication network 3.

Note that the commercial transaction management computer 2 (commercial transaction management device), the communication network 3, the position detecting means 4, and the reference party signal generating means 5 are the same as those in the first embodiment, and are not shown.

In the first step of the third embodiment, the computer unit 101 sets the party identifier 10
The communication unit 102 transmits the mobile communication terminal identifier 15501A, which is 601A, to the commercial transaction management computer 2 via the communication network 3 via the mobile communication base station 71 and the mobile communication control device 70.

The second step and the third step are the same as in the second embodiment.

In the fourth step, the computer 10
1 is a base station area signal 710 of the mobile communication base station 71
The base station identifier 7101A is extracted and generated from 1S, that is, the transaction position data of the mobile communication terminal 155, which is the party identifier generation means, is generated and output to the computer unit 201 (comparing means) via the communication unit 102.

In the fifth step, the computer section 20
1 (comparing means) compares the base station identifier 7101A, which is the commercial transaction position data, with the base station identifier 4101A, which is the reference party position data, and determines whether or not it is normal. If the positions match, that is, if the position is within a predetermined range and is within a predetermined range, the commercial transaction is determined to be a transaction by a normal party,
The normal transaction data 2010A is generated and transmitted to the computer unit 1 via the communication network 3 and further via the communication unit 102.
01. If the position does not match, if the position is not within the predetermined range, or if the reference party position data cannot be received within the predetermined time and does not exist, it does not match. Normal transaction data 20
11A is generated and transmitted to the computer unit 101 via the communication network 3 and further via the communication unit 102.

Even in this case, the abnormal user uses the reference party identifier 2 corresponding to the party identifier 10601A.
Since the mobile communication terminal 50 having no 0301A is not possessed, when an abnormal business transaction using the mobile communication terminal 155 is performed, it is immediately checked online,
Business transactions can be interrupted and fraud can be prevented. In particular, in Internet transactions such as the i-mode of the mobile communication terminal 155, fraud may be carried out, and the present invention provides a very large preventive measure against them. That is, as described above, the position data detection and generation unit that generates the base station identifier 7101A (commerce position data) by using the commerce terminal 1 as the mobile communication terminal 155, the mobile communication terminal identifier 15501A of the mobile communication terminal 155 as the party identifier 10601A, and the like. 177 is the mobile communication terminal 1
55.

It should be noted that the base station identifier 7101A is X company, Y
And the base station identifiers 7101AXYZ including the neighbors of the company X and the company Z are stored in the storage unit 203 in advance as a correspondence map. If the base station identifier 7101AXYZ including the neighbors of the companies Y and Z is read and generated, it is needless to say that the location can be confirmed even if the mobile communication company is different. That is, for example, if the base station identifier 7101A is Company X, the base station identifier 710
1AX1 is the extracted commercial transaction position data, which includes base station identifiers 7101AX2 and 7101AX next to company X.
3, 7101AX4, and a base station identifier 71 of company X
Y's base station identifier 7101AY corresponding to 01AX1
1, and the base station identifier of the next company Y, 7101AY
2, 7101AY3, 7101AY4, a base station identifier 7101AZ1 of company Z corresponding to the base station identifier 7101AX1 of company X, and base station identifiers of adjacent company Z, 7101AZ2, 7101AZ3, 7101AZ
4, that is, the base station identifier 7101AXYZ in this case
Are 7101AX1, 7101AX2, 7101AX
3, 7101AX4, 7101AY1, 7101AY
2, 7101AY3, 7101AY4, 7101AZ
1, 7101AZ2, 7101AZ3, 7101AZ4
It is. The base station identifier 7101AXYZ is commercial transaction position data read corresponding to the base station identifier 7101A. The mobile communication base stations 71 of company X, company Y and company Z
Storing the correspondence between the base station identifiers of X, 71Y and 71Z in the storage means 203 means that the mobile communication base station 71
Since the positional relationship between X, 71Y and 71Z can be fixedly determined, it is extremely easy.

As a fourth embodiment, in the third embodiment, the commercial transaction terminal 1 is the mobile communication terminal 155, and the commercial transaction position data generation for generating the commercial transaction position data of the mobile communication terminal 155 which is the party identifier generating means. The means is provided as position data detection / generation means 177 in the computer unit 101. However, instead, the transaction position data generation means is provided in the storage unit 103, and the transaction position data is stored in the storage unit 103 in advance. Needless to say, in the fourth step, the data may be read and the commercial transaction position data may be generated. In this case, once the commercial transaction position data is stored, it is fixed until it is rewritten, but when the position to be used is limited, it is sufficient to rewrite the data each time. That is, even in this case, the operation similar to that of the third embodiment can be obtained although the response to the position change is slightly inferior.

Further, according to the present invention, the commercial transaction management computer 2, the commercial transaction terminal 1, and the position detecting means 4 can transmit information to each other through the communication network 3, and compares the commercial transaction position data with the reference party position data. The comparison means for determining whether or not the transaction is normal may be provided in the commercial transaction management computer 2,
The computer unit 20 which is provided in the commerce terminal 1 or the position detecting means 4 has information for comparing the commercial transaction position data and the reference party position data in the comparing means.
It goes without saying that the comparison check can be performed as long as the information is transmitted to the comparison units 1, 101, 401, and the like.

Next, as a fifth embodiment, a mobile communication terminal 5 having a reference party identifier as in the first embodiment will be described.
Instead of comparing the reference party position data of 0, the reference party detection identifier is detected from the position registration request signal 5002S including the mobile communication terminal identifier 5001A generated by the mobile communication terminal 50 having the reference party identifier. An example of performing online checking by comparison will be described with reference to FIGS. That is, in this embodiment, not the position data but the identifier is compared. FIG. 5 is a block diagram showing a partial configuration of the online check system 81. FIG. 8 is an explanatory diagram showing the flow of main signals and information of the online check system 81.

Unlike the first embodiment, the online check system 81 of the trading party of this commercial transaction does not include the position detecting means 4 and the reference party identifier detecting means 6
A commerce terminal 1 (commerce terminal device); a commerce management computer 2 (commerce transaction management device); A reference party signal generating means 5 comprising a body communication terminal 50 and a reference party identifier detecting means 6 are provided. Further, information can be mutually transmitted between the commercial transaction terminal 1 and the reference party identifier detecting means 6.

The commercial transaction terminal 1 includes an identifier detection unit 106 (a party identifier generation unit) including a card reader,
It receives information from the commerce management computer 2 and the like from the communication network 3, and
Communication unit 102 (communication means) for transmitting information to the like, operation input unit 105 (commercial transaction information input means) for inputting information such as a commercial transaction, storage unit 103 for storing information, display unit 104 for displaying information, commercial transaction It controls each part of the terminal 1 and processes the operation data including the comparison operation to process the commercial transaction information 101.
The computer 101 includes a computer unit 101 that generates the first party identifier 01A, and a reference party identifier detection communication unit 108 that communicates with the reference party identifier detection unit 6. The comparing means is provided in the computer unit 101.

The reference party identifier detecting means 6 has an antenna 6081 for receiving a signal,
Receives a location registration request signal 5002S including a mobile communication terminal identifier 5001A generated by the receiver, has an amplifying unit 6082 for amplifying the received signal, and a receiving unit 608 for outputting to the computer unit 601, and storage for storing necessary information. Part 6
03, a communication unit 602 that communicates with the computer unit 101 via the reference party identifier detection communication unit 108 of the commerce terminal 1, a mobile communication terminal identifier 5001A that is extracted and stored from the location registration request signal 5002S, and a reference party identifier. Computer unit 6 for controlling the entire detection means 6
01, the location registration request signal 5002 including the mobile communication terminal identifier 5001A generated by the mobile communication terminal 50.
S, the mobile communication terminal identifier 5001A of the mobile communication terminal 50 is extracted and stored in the storage unit 603. Upon receiving the identifier detection request signal 20205S from the computer unit 101, the mobile communication terminal identifier 5001A is received from the storage unit 603.
A is read out and transmitted to the computer unit 101 via the reference party identifier detection communication unit 108.

Here, the mobile communication base station 41 and the mobile communication control device 40 for the mobile communication terminal 50 are the same as in the first embodiment, and are omitted from FIG.

The commercial transaction terminal 1 sends the party identifier 10601A of the card 11 and the commercial transaction information 1
0101A is transmitted from the communication unit 102 to the commercial transaction management computer 2 via the communication network 3.

The commercial transaction management computer 2 receives the party identifier 10601A and the commercial transaction information 10101A from the commercial transaction terminal 1 via the communication network 3, and sends it to the commercial transaction terminal 1 via the communication network 3 as a pair with the party identifier 10601A. Communication unit 20 transmitting party identifier 20301A
2 (communication means), a storage unit 203 for storing information, a display unit 204 for displaying information, an operation input unit 205 for performing input operations such as setting of information, and control and operation of each unit of the commercial transaction management computer 2. A computer unit 201 is provided for performing data processing and commercial transaction management processing.

The reference party identifier 20301A corresponding to the party identifier 10601A is operated and input from the operation input unit 205, and is stored in the storage unit 20 by the computer unit 201.
3 is stored in advance.

The computer 101 of the commerce terminal 1 of the fifth embodiment sends the party identifier 1
Upon receiving 0601A, it checks online whether the transaction is a transaction performed by a normal party.

First, as a first step, the commercial transaction terminal 1 sends the party identifier 1060
1A is transmitted to the commercial transaction management computer 2 via the communication unit 102 and the communication network 3.

As a second step, the commercial transaction management computer 2 reads out the reference party identifier 20301A corresponding to the received party identifier 10601A from the storage means 203, and includes the reference party identifier 20301A via the communication network 3 with a comparison means. The information is transmitted to the computer unit 101 of the commerce terminal 1.

As a third step, the computer unit 1
01 is transmitted to the reference party identifier detecting means 6 via the reference party identifier detection communication unit 108, and the identifier detection request signal 2
Send 0205S. Reference party identifier detecting means 6
Receives the identifier detection request signal 20205S and transmits the mobile communication terminal identifier 5001A, which is the reference party detection identifier extracted from the location registration request signal 5002S generated by the mobile communication terminal 50 near the reference party identifier detection means 6, to the communication unit 602. Computer section 10 of commerce terminal 1 through
Send to 1.

As a fourth step, the computer unit 1
01 compares the received mobile communication terminal identifier 5001A with the reference party identifier 20301A to determine whether or not the identifier is normal. Here, if they match, it is determined to be normal, and if they do not match, it is determined to be abnormal.

[0092] Even in this manner, the commercial transaction party can check in advance for an abnormal commercial transaction of a trader who does not have the mobile communication terminal 50 of the reference party identifier 20301A corresponding to the party identifier 10601A of the card 11 and the illegal transaction. Alternatively, abnormal transactions can be prevented.

Here, the reference party identifier detecting means 6 can receive the location registration signals of a plurality of systems of the mobile communication companies X, Y, and Z. Commerce is possible even if the body communication terminal 50 is possessed.

Although the reference party signal generating means 5 is the mobile communication terminal 50, it is not so. Needless to say, by detecting the signal, the reference party position data of the reference party signal generation means 5 or the reference party identifier may be detected.

Next, the sixth embodiment will be described with reference to FIGS.
It will be described using. FIG. 6 is a block diagram showing a system configuration of an online communication system 82 of a trading party of a commercial transaction according to a sixth embodiment of the present invention. FIG. 9 is an explanatory diagram showing the flow of main signals and information of the online communication system 82.

As the sixth embodiment, the first embodiment and the fifth embodiment
An example will be described in which the position and the identifier of the reference party identifier are not compared as in the embodiment of FIG. Unlike the first and fifth embodiments, the online contact system 82 of the trading parties of the commercial transaction is different from the first embodiment and the fifth embodiment.
No comparing means, no position detecting means 4 or no identifier detecting means 6 is required. The communication network 3 includes the Internet 31 and a mobile communication network 450 for mutually transmitting information between the mobile communication terminal 50 and the mobile communication terminal 50.

The commercial transaction terminal 1 includes an identifier detection unit 106 (a party identifier generation unit) composed of a card reader,
It receives information from the commerce management computer 2 and the like from the communication network 3, and
Communication unit 102 (communication means) for transmitting information to the like, operation input unit 105 (commercial transaction information input means) for inputting information such as a commercial transaction, storage unit 103 for storing information, display unit 104 for displaying information, commercial transaction A computer unit 101 that controls each unit of the terminal 1 and that processes the arithmetic data to generate commercial transaction information 10101A is provided.

The commercial transaction management computer 2 receives the party identifier 10601A and the commercial transaction information 10101A from the commercial transaction terminal 1 via the communication network 3, and sends the commercial transaction management information including the normal processing information to the commercial transaction terminal 1 via the communication network 3. 2
0101A, and a reference party identifier 20
The transaction communication information 20 is transmitted to the mobile communication terminal 50 having 301A.
Communication unit 202 (communication means) for transmitting information 104A, storage unit 203 for storing information, and display unit 20 for displaying information
4 and an operation input unit 205 for inputting information setting and the like
And a computer unit 201 that controls each unit of the commercial transaction management computer 2 and performs arithmetic data processing to perform commercial transaction management processing.

The reference party identifier 20301A corresponding to the party identifier 10601A is input by the operation input unit 205, and is stored in the storage unit 20 by the computer unit 201.
3 is stored in advance.

The mobile communication terminal 50 has an antenna 5021
The mobile base station 41 and the mobile control device 40
, Transmitting / receiving information including voice to / from another mobile communication terminal 50, or the mobile base station 41 and the mobile control device 4
0, a communication unit 502 for receiving information on the commercial transaction management computer 2 via the communication network 3, and a storage unit 50 for storing information.
3, a display unit 504 for displaying information, an operation input unit 505 such as a push button, a voice input / output unit 507 for voice output of a call, a call voice output, and voice detection, and a mobile communication terminal 5.
0 is provided with a computer unit 501 for controlling each unit.

The configurations of the mobile base station 41 and the mobile control device 40 are the same as those in the first embodiment, and detailed description will be omitted. The mobile communication network 450 is configured.

When the commercial transaction is started, the commercial transaction terminal 1
As a first step, the party identifier 10 of the card 11
601A and the commercial transaction information 10101A including the commercial transaction transmission information 101011A such as the telephone number where the commercial transaction terminal 1 exists and the handling amount are transmitted from the communication unit 102 to the commercial transaction management computer 2 via the communication network 3.

The commercial transaction management computer 2 transmits the transaction identifier 10601A from the commercial transaction terminal 1 and the commercial transaction transmission information 1010 such as the telephone number of the commercial transaction terminal 1 and the amount of the transaction.
Upon receiving the commercial transaction information 10101A including 11A, the user is notified on-line of a transaction in which the commercial transaction is performed by a normal party. That is, as a second step, the reference party identifier 20 corresponding to the party identifier 10601A is used.
301A is read out from the storage means 203, and the reference party identifier 20301A which is a destination to the mobile communication terminal 50 having the reference party identifier 20301A via the communication network 3 is read.
Contact information 201 including the commercial transaction transmission information 101011A such as the telephone number where the commercial transaction terminal 1 exists and the transaction amount.
04A is transmitted. The mobile communication terminal 50 receives the transaction contact information 20104A via the communication network 3 at the communication section 502, and transmits the commercial transaction transmission information 10101 at the computer section 501.
1A is extracted, stored in the storage unit 503, and displayed on the display unit 504.

When the mobile communication terminal 50 having the reference party identifier 20301A completes the reception within a predetermined time, the commercial transaction management computer 2 transmits the commercial transaction management information 20101A including the normal processing information. If the transmission is not completed within a predetermined time, the commercial transaction management information 20101A is not transmitted,
Commerce processing is interrupted. In this way, contact can always be guaranteed during commercial transactions.

The commercial transaction party sees the commercial transaction transmission information 101011A displayed on the display unit 504 and knows that the commercial transaction has been executed.

For example, if the card 11 is illegally used, the commercial transaction transmission information 101011A is immediately transmitted to the legitimate party who is the owner of the mobile communication terminal 50 of the reference party identifier 20301A, and the mobile communication terminal 50 When displayed, the legitimate party can immediately stop the fraud by contacting the telephone number where the commerce terminal 1 exists by telephone. In addition, if used improperly, since it is found immediately, there is also an effect that the user is not bothered to cheat.

It is needless to say that the reference party identifier 20301A corresponding to the party identifier 10601A may be plural. In this case, even if all the referencing party identifiers 20301A corresponding to the previously stored party identifiers 10601A are contacted, or priorities are determined in advance, and if the contacting is not possible, the referencing party identifiers 20301A next to the priority order are contacted. May be contacted.

Next, the seventh embodiment will be described with reference to FIGS.
Explanation will be made using 0. FIG. 7 shows a system 8 for obtaining online consent information of a trading party of a commercial transaction according to the seventh embodiment of the present invention.
FIG. 3 is a block diagram showing a system configuration of No. 3; FIG. 10 is an explanatory diagram showing the flow of main signals and information of the consent information acquisition system 83.

As the seventh embodiment, as in the sixth embodiment, not only is the transaction communication information 20104A communicated to the mobile communication terminal 50 of the reference party identifier, but also the mobile communication of the reference party identifier is performed. Contact information 2 on terminal 50
An example of the online consent information acquisition system 83 that transmits 0104A and receives the consent information of the commercial transaction from the mobile communication terminal 50 to execute the commercial transaction online will be described. The system 83 for acquiring online consent information from the trading party of the commercial transaction to the trading party of the commercial transaction includes the commercial transaction terminal 1 (the commercial transaction terminal device), the commercial transaction management computer 2 (the commercial transaction management device), and the mobile terminal 1 and the commercial transaction management computer 2. A communication network 3 including the Internet 31 and a mobile communication network 450 for mutually transmitting information with the mobile communication terminal 50 is provided.

[0110] The commercial transaction terminal 1 includes an identifier detection unit 106 (a party identifier generation unit) composed of a card reader,
It receives information from the commerce management computer 2 and the like from the communication network 3, and
Communication unit 102 (communication means) for transmitting information to the like, operation input unit 105 (commercial transaction information input means) for inputting information such as a commercial transaction, storage unit 103 for storing information, display unit 104 for displaying information, commercial transaction A computer unit 101 that controls each unit of the terminal 1 and that processes the arithmetic data to generate commercial transaction information 10101A is provided.

The commercial transaction management computer 2 transmits the party identifier 10601A and the commercial transaction information 10101A from the commercial transaction terminal 1 via the communication network 3 to the reference party identifier 2030.
Acknowledgment reply information 501 from mobile communication terminal 50 having 1A
00A, and receives the transaction terminal 1 via the communication network 3.
Normal transaction data 2010A or abnormal transaction data 2
011A, a communication unit 202 (communication means) for transmitting the transaction contact information 20104A to the mobile communication terminal 50 having the reference party identifier 20301A, a storage unit 203 for storing information, and a display unit 204 for displaying information. And an operation input unit 205 for performing input operations such as setting of information and the like, and a computer unit 201 which controls each unit of the commercial transaction management computer 2 and performs arithmetic data processing and commercial transaction management processing.

The reference party identifier 20301A corresponding to the party identifier 10601A is input by the operation input unit 205, and is stored in the storage unit 20 by the computer unit 201.
3 is stored in advance.

The mobile communication terminal 50 has an antenna 5021
The mobile base station 41 and the mobile control device 40
, Transmitting / receiving information including voice to / from another mobile communication terminal 50, or the mobile base station 41 and the mobile control device 4
And a communication unit 502 for transmitting and receiving information to and from the commercial transaction management computer 2 via the communication network 3 and a storage unit 5 for storing information.
03, a display unit 504 for displaying information, an operation input unit 505 such as a push button, a voice input / output unit 507 for voice output of a call, a call voice output, and voice detection, and each unit of the mobile communication terminal 50. A control unit 501 is provided.

When the commercial transaction is started, the commercial transaction terminal 1
As a first step, the party identifier 10 of the card 11
601A and the commercial transaction information 10101A including the commercial transaction transmission information 101011A such as the telephone number where the commercial transaction terminal 1 exists and the handling amount are transmitted from the communication unit 102 to the commercial transaction management computer 2 via the communication network 3.

[0115] The commercial transaction management computer 2 transmits the commercial transaction transmission information 1010 such as the party identifier 10601A from the commercial transaction terminal 1 and the telephone number where the commercial transaction terminal 1 exists and the handling amount.
Upon receiving the commercial transaction information 10101A including 11A, the acknowledgment information is obtained online to confirm that the commercial transaction is a transaction performed by a normal party. That is, as a second step, the party identifier 106
01A corresponding to the reference party identifier 20301A is read out from the storage means 203, and is transmitted to the mobile communication terminal 50 having the reference party identifier 20301A via the communication network 3;
The transaction contact information 20104A including the reference party identifier 20301A as the destination, the management computer identifier 20306A of the commercial transaction management computer 2 as the transmission source, and the commercial transaction transmission information 101011A such as the telephone number of the commercial transaction terminal 1 and the transaction amount is transmitted. Mobile communication terminal 50
Receives the transaction contact information 20104A at the communication unit 502 via the communication network 3, and the computer unit 501 transmits the commercial transaction transmission information 101011A and the management computer identifier 20306.
A is extracted and stored in the storage unit 503 and the display unit 5
04 is displayed.

The commercial transaction party sees the commercial transaction transmission information 101011A displayed on the display unit 504, and knows that the commercial transaction has been executed. Operation input unit 5
05 transmits the acknowledge operation signal 50505S to the computer unit 50.
Output to 1. That is, as a third step, upon receiving the acknowledgment operation signal 50505S, the computer unit 501 generates acknowledgment reply information 50100A including the management computer identifier 20306A, and establishes the communication network 3 including the mobile communication network 450 via the communication unit 502. Reply information 501
00A is transmitted (replyed) to the commercial transaction management computer 2 having the management computer identifier 20306A.

Here, since the Internet 31 is used, each terminal connected to the Internet 31 has an identifier which is a unique address, and a source terminal identifier and a destination reception identifier when transmitting or receiving. Is transmitted. In this example, the transaction contact information 20104A includes a management computer identifier 20306A of the commercial transaction management computer 2 which is a source terminal identifier and a reference party identifier 20301A of the mobile communication terminal 50 which is a reception identifier. Therefore, the computer unit 501 of the mobile communication terminal 50 receives the simple acknowledgment operation signal 50.
The management computer identifier 20 that has received the destination reception identifier only by receiving the reception identifier 505S from the operation input unit 505
As 306A, the sender's own identifier, that is,
The acknowledgment reply information 50100A including the reference party identifier 20301A is generated and transmitted to the commercial transaction management computer 2.

Upon receiving the acknowledgment reply information 50100A, the computer unit 201 of the commercial transaction management computer 2 determines that the transaction is normal, and transmits the normal transaction data 2010A to the communication unit 2.
02 through the communication network 3 and further through the communication unit 10
2 to the computer unit 101. When the acknowledgment reply information 50100A cannot be received within a predetermined time,
The computer unit 201 stores the abnormal transaction data 2011A.
Is transmitted to the computer unit 101.

The computer section 101 stores the normal transaction data 2
010A, the transaction information 10101A generated from the operation input of the operation input unit 105, which is the information of the transaction corresponding to the party identifier 10601A, and the transaction completion information 1
The information such as 0105A and the party identifier 10601A are paired and output to the computer unit 201 to the communication unit 102 and transmitted to the computer unit 201 via the communication network 3 and further via the communication unit 202. When receiving the abnormal transaction data 2011A, the computer 101 suspends the commercial transaction operation, and the commercial transaction is not established. The computer unit 101 displays the abnormal transaction data 20 on the display unit 104.
11A is displayed.

When the abnormal transaction data 2011A is displayed on the display unit 104, the clerk notifies the security person and security / police personnel as necessary.

As described above, since the unauthorized card 11 owner does not have the mobile communication terminal 50 having the reference party identifier 20301A, he / she can immediately check it online when he / she wants to use it. Can be interrupted and abnormal business transactions can be prevented. In addition, since an abnormal transaction can be displayed on the spot, it is possible to restrain an unauthorized user by a current offender. Further, it is possible to always handle shopping after confirming that the transaction is normal, thereby preventing all abnormal commercial transactions. Furthermore, it is extremely easy to provide the present invention to an online commercial transaction using a conventional card if the mobile communication terminal 50 is used, and the effect is great.

[0122]

According to the first, second, third, fourth, fifth, sixth, sixth, seventh, and eighth aspects of the present invention, if an abnormal state occurs, When a commercial transaction is performed by another party, the abnormal party does not have the reference party signal generating means having the reference party identifier. Since the party position data is not located within the predetermined position range, it is possible to determine that the commercial transaction is not normal and to detect an abnormal commercial transaction online immediately. Further, if an abnormal commercial transaction is detected, the commercial transaction can be interrupted and abnormal usage can be prevented. Furthermore, unauthorized use can be displayed and the unauthorized user can be restrained on site. Therefore, the fraudulent user is immediately found to be fraudulent by the commerce terminal device, so if the commerce terminal device is a place like a store, the police report arrest or if it is an Internet commerce terminal device, The user can be specified from the management device or the Internet terminal from the connection status of the illegally used commercial transaction terminal device on the Internet and the usage environment related information. In addition, since the wrongdoer is at risk of being arrested immediately, the wrongdoer can be prevented from cheating. That is, there is an extremely excellent effect that the problems of the conventional method such as reliability and safety can be solved, and improper use can be immediately detected on the spot. Further, when the user always conducts a commercial transaction, as long as the user possesses the reference party signal generating means of the referential party identifier different from the previously stored party identifier corresponding to the party identifier in the commercial transaction management device, There is an excellent effect that there is no troublesome input of a conventional PIN or a fingerprint. In addition, in the inventions of claims 4, 5, 7, and 8, the position detecting means further utilizes a mobile communication network already installed and used and a mobile communication terminal possessed by a trading party. Then, there is an effect that the present invention can be realized without newly providing a reference party signal generating means and a position detecting means.

According to the inventions of claims 9, 10, 11, and 12, when a commercial transaction is performed by an abnormal party, the abnormal party refers to the reference having the reference party identifier. Since there is no means for generating a party signal, even if an unusual commerce commences, the reference party identifier and the reference party detection identifier do not match. Detects abnormal business transactions, interrupts business transactions, and prevents abnormal use. Furthermore, unauthorized use can be indicated. It is also possible to restrain an unauthorized user on site. Therefore, the fraudulent user is immediately found to be fraudulent by the commerce terminal device, so if the commerce terminal device is a place like a store, the police report arrest or if it is an Internet commerce terminal device, The user can be specified from the management device or the Internet terminal from the connection status of the illegally used commercial transaction terminal device on the Internet and the usage environment related information. Also,
Fraudsters are at risk of being arrested immediately, so they can be less willing to commit fraud. That is, there is an extremely excellent effect that the problems of the conventional method such as reliability and safety can be solved, and improper use can be immediately detected on the spot. Further, when the user always conducts a commercial transaction, as long as the user possesses the reference party signal generating means of the referential party identifier different from the previously stored party identifier corresponding to the party identifier in the commercial transaction management device, There is an excellent effect that there is no troublesome input of a conventional PIN or a fingerprint. In addition, according to the invention of claims 11 and 12, the position detecting means is already installed,
The use of the mobile communication network used and the mobile communication terminal possessed by the transaction party has an effect that the present invention can be realized without newly providing a reference party signal generating means and a position detecting means.

According to the thirteenth and fourteenth aspects of the present invention,
When a transaction is performed by an abnormal party, the transaction information is transmitted via a mobile communication network to a mobile communication terminal having a reference party identifier possessed by the normal party. Can communicate normal business transactions,
A normal party can immediately contact the commercial transaction site by telephone or the like to interrupt the commercial transaction and prevent abnormal use. In addition, there is an effect that the unauthorized use can be displayed, and the unauthorized user can be restrained on site. In addition, a normal party possessing the reference party identifier knows that his or her card or commerce terminal is being used illegally, and by contacting a related organization can prevent subsequent unauthorized use. further,
If the mobile communication network already installed and used and the mobile communication terminal possessed by the transaction party are utilized, there is an effect that this can be realized without newly providing facilities and equipment.

The invention according to claim 15 and claim 16 is as follows:
When a commercial transaction is performed by an abnormal party, the abnormal party does not have a mobile communication terminal having a reference party identifier, so even if the abnormal transaction has started, the information relating to the approval is not included in the transaction. Since it is not transmitted to the management device, it can be determined that it is not normal, and abnormal business transactions can be immediately interrupted online and abnormal use can be prevented. Further, there is an operational effect that an unauthorized use can be displayed and an unauthorized user can be restrained on site. Further, since the commercial transaction information is transmitted to the mobile communication terminal having the reference party identifier possessed by the normal party via the mobile communication network, the normal party can know the existence of the unauthorized user, and Countermeasures such as changing the identifier can be taken immediately. Furthermore, if a mobile communication network already installed and used and a mobile communication terminal possessed by a transaction party are utilized, there is an effect that the present invention can be realized without newly providing facilities and equipment.

As described above, when a party identifier such as a card is to be illegally used, it can be checked online immediately and the unauthorized user can be bound by the current criminal. Furthermore, since normality is always compared and discriminated, and the transaction processing is performed after it is judged normal, all abnormal transaction can be prevented. Furthermore, it is easy to equip the present invention to online commerce using a conventional card, and the effect is great.

[Brief description of the drawings]

FIG. 1 is a block diagram of an online check system 81 of a trading party of a commercial transaction according to a first embodiment.

FIG. 2 is an explanatory diagram showing a flow of main signals and information of an online check system 81 of a trading party of a commercial transaction which is a first embodiment.

FIG. 3 is a block diagram showing a configuration of a commercial transaction terminal 1 of an online check system 81 of a transaction party of a commercial transaction according to a second embodiment.

FIG. 4 shows a third embodiment of a commercial transaction terminal 1 and a communication network 7 of an online check system 81 of a transaction party of a commercial transaction.
FIG. 3 is a block diagram showing the configuration of FIG.

FIG. 5 is a block diagram showing a partial configuration of a system of an online check system 81 of a trading party of a commercial transaction according to a fifth embodiment. FIG. 8 is an explanatory diagram showing the flow of main signals and information of the online check system 81.

FIG. 6 is a block diagram showing a system configuration of an online communication system 82 of a transaction party of a commercial transaction which is a sixth embodiment. FIG. 9 is an explanatory diagram showing the flow of main signals and information of the online communication system 82.

FIG. 7 is a block diagram illustrating a system configuration of an online consent information acquisition system 83 of a trading party of a commercial transaction according to a seventh embodiment. FIG. 10 is an explanatory diagram showing the flow of main signals and information of the consent information acquisition system 83.

FIG. 8 is an explanatory diagram showing a flow of main signals and information of an online check system 81 of a trading party of a commercial transaction which is a fifth embodiment.

FIG. 9 is an explanatory diagram showing a flow of main signals and information of an online contact system 82 of a trading party of a commercial transaction which is a sixth embodiment.

FIG. 10 is an explanatory diagram showing main signals and a flow of information of a consent information acquisition system 83 of a transaction party of a commercial transaction according to a seventh embodiment.

[Explanation of symbols]

11 Card 1 Commerce terminal 101 Computer section 102 Communication unit 103 Storage unit 104 Display unit 105 Operation input unit 106 ······ Identifier detection unit 1061 ········· Identifier storage unit 107 ·········· Voice input / output unit 108 ········· Reference party Identifier detection communication section 177 ...... Position data detection and generation means 2 Commerce management computer 201 Computer section 202 Communication unit 203 Storage unit 204 Display unit 205 ····· Operation input unit 4 ··· Position detection means 3 ··· Communication network 31 ········· Internet 40 Mobile communication control device 401 Computer unit 402 Communication unit 403・ ・ ・ ・ ・ ・ Storage unit 404 ・ ・ ・ ・ ・ ・ ・ ・ ・ Communication network communication unit 41 ・ ・ ・ Mobile communication base station 450 ・ ・ ・ ・ ・ ・ ・ ・ ・· Mobile communication network 5 ··· Reference signal generation means 50 ··· Mobile communication terminal 501 ····· Computer section 502 Communication section 503 Storage section 504 Display section 505 ... Operation input Unit 507... Voice input / output unit 601... Computer unit 602... Communication unit 603. ... Storage unit 608 ... Reception unit 6082 ... Amplification unit 7 ... Mobile communication network 701 ... ········· Computer unit 702 ········· Communication unit 703 ·········· Storage unit 704 ······ Communication network communication Unit 71 Mobile communication base station 81 Online check system 82 Online communication system 83・ ・ ・ Online approval information acquisition system

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) H04Q 7/38 H04B 7/26 109S F term (Reference) 5K067 AA32 AA34 DD17 DD19 DD20 EE02 EE10 EE16 FF03 FF23 HH05 HH22 HH23 JJ56 JJ64

Claims (17)

[Claims] 1. A method of detecting a signal from a commercial transaction card or a mobile communication terminal or reading information from a memory or the like to generate a party identifier, a party identifier generating means, a commercial transaction information inputting means for inputting commercial transaction information, and a communication such as the Internet. Means from the commerce terminal device equipped with means for transmitting and receiving the party identifier and the information such as commerce information via a communication network such as the Internet to a commerce management device that manages the commerce of goods and services. In the online check method to determine whether or not
The transaction position data generated by the transaction position data generating means for generating the transaction position data corresponding to the party identifier or the party identifier generating means identifier is different from the party identifier stored in advance corresponding to the party identifier. Detecting a position signal generated by the reference party signal generation means of the reference party identifier of the reference party and comparing the generated reference party position data to determine whether the data is normal or not. . 2. A method of detecting a signal from a commercial card or a mobile communication terminal or reading information from a memory or the like to generate a party identifier, a party identifier generating means, a commercial information input means for inputting commercial information, and a communication such as the Internet. From the commerce terminal device equipped with the means, whether or not the transaction party in the commerce transaction that transmits and receives the party identifier and the information such as commerce information via the communication network such as the Internet to the commerce management device that manages the commerce of goods and services and processes the commerce. In the online check method to determine whether or not
A first step of transmitting the party identifier from the party identifier generation means to the transaction management apparatus, and reading a reference party identifier different from the party identifier stored in advance in correspondence with the party identifier in the transaction management apparatus, and A second step of transmitting a corresponding reference party identifier to the position detecting means; and a step of obtaining reference party position data from the reference party signal generated by the reference party signal generating means having the reference party identifier by the position detecting means. A third step of detecting and transmitting to the comparing means, and a step of generating and transmitting to the comparing means the commercial position data generating means for generating the commercial position data corresponding to the party identifier or the party identifier generating means identifier. And comparing the commercial transaction position data with the reference party position data by comparing means. Online check method commerce transaction party, characterized in that it comprises a fifth step for determining whether normal or not. 3. A method for detecting a signal from a commercial card or a mobile communication terminal or reading information from a memory or the like to generate a party identifier, a party identifier generating means, a commercial information input means for inputting commercial information, and a communication such as the Internet. Means from the commerce terminal device equipped with means for transmitting and receiving the party identifier and the information such as commerce information via a communication network such as the Internet to a commerce management device that manages the commerce of goods and services. In the online check method to determine whether or not
A first step of transmitting a party identifier or a party identifier generation means identifier to the transaction management device from the party identifier generation means to the transaction management device, and a different from the party identifier stored in advance in correspondence with the party identifier in the transaction management device. A second step of reading the reference party identifier and transmitting the reference party identifier corresponding to the party identifier to the position detecting means, and a reference generated by the reference party signal generating means having the reference party identifier by the position detecting means. A third step of detecting reference party position data from the party signal and transmitting the data to the comparison means; and a storage means for storing the transaction position data of the party identifier generation means in advance corresponding to the party identifier generation means identifier or the party identifier. Read out the commercial transaction position data corresponding to the party identifier generating means identifier To the comparing means, or to the party identifier generating means identifier or the party identifier generating means having the party identifier, to generate and generate the commercial transaction position data by the position data detecting / generating means corresponding to the party identifier generating means identifier or the party identifier. And a fifth step of comparing the commercial position data and the reference party position data by the comparing unit to determine whether the data is normal or not. An online check method for determining whether or not a trading party in a commercial transaction is normal. 4. An on-line check method for determining whether or not a transaction party in a commercial transaction is normal according to claim 1, wherein the reference party signal generation means is a mobile communication terminal,
The position detecting means detects a position registration request signal, which is a reference party signal including the mobile communication terminal identifier of the mobile communication terminal, and sends the mobile communication control device the mobile communication terminal identifier and the base station identifier of the mobile communication terminal. A mobile communication base station that transmits a location registration request signal including a mobile communication base station that receives a location registration request signal of the mobile communication terminal from the mobile communication base station and that corresponds to the mobile communication terminal identifier. A mobile communication control device having storage means for storing reference party position data such as station identifiers and computer means for controlling the entire mobile communication control apparatus and controlling the communication line of the mobile communication terminal; The position data is a base station identifier. 5. An online check method for determining whether or not a transaction party in a commercial transaction is normal according to claim 2, wherein the reference party signal generation means is a mobile communication terminal,
The position detecting means detects a position registration request signal, which is a reference party signal including the mobile communication terminal identifier of the mobile communication terminal, and sends the mobile communication control device the mobile communication terminal identifier and the base station identifier of the mobile communication terminal. A mobile communication base station transmitting a position registration request signal including: a mobile communication base station receiving a position registration request signal of the mobile communication terminal from the mobile communication base station and corresponding to the mobile communication terminal identifier; A mobile communication control device having storage means for storing reference party position data such as station identifiers and computer means for controlling the entire mobile communication control device and controlling the communication line of the mobile communication terminal; And transmitting a reference party identifier corresponding to the party identifier to the mobile communication control device, and in a third step, the mobile communication control device transmits the reference party identification Storage means for detecting a location registration request signal, which is a reference party signal generated by the mobile communication terminal, and storing reference party position data such as a base station identifier of the mobile communication base station corresponding to the mobile communication terminal identifier And reads and detects the reference party position data such as the base station identifier of the reference party identifier corresponding to the mobile communication terminal, and transmits the data to the comparison means. 6. A method of detecting a signal from a commercial card or a mobile communication terminal or reading information from a memory or the like to generate a party identifier, a party identifier generating means for inputting commercial information, and a commercial information input means for inputting commercial information, and communication between the Internet and the like. Means from the commerce terminal device equipped with means for transmitting and receiving the party identifier and the information such as commerce information via a communication network such as the Internet to a commerce management device that manages the commerce of goods and services. In an online check system for determining whether or not the transaction identifier is a commercial transaction position data generating means for generating transaction position data corresponding to the party identifier or the party identifier generating means identifier and transmitting the data to the comparing means, Reference of a reference party identifier different from the previously stored party identifier Position detecting means for detecting a position signal generated by the business party signal generating means, generating reference party position data and transmitting the data to the comparing means, and comparing the commercial transaction position data with the reference party position data to determine whether the data is normal or not. An online check system for determining whether or not a trading party is normal in a commercial transaction, comprising a comparing means for determining. 7. An online check system according to claim 6, wherein said reference party signal generating means is a mobile communication terminal and said position detecting means is a position of said mobile communication terminal. A registration request signal is received, a base station identifier is extracted, and the extracted base station identifier is output to the comparing means as reference party position data. 8. A communication such as the Internet or the like, which detects a signal from a business transaction card or a mobile communication terminal or reads information from a memory or the like to generate a party identifier, a party identifier generation means for inputting trade information, and a transaction information input means for inputting trade information. Means from the commerce terminal device equipped with means for transmitting and receiving the party identifier and the information such as commerce information via a communication network such as the Internet to a commerce management device that manages the commerce of goods and services. In the online check system for determining whether or not the transaction is performed, the transaction data generation means for generating the transaction position data corresponding to the party identifier or the party identifier generation means identifier and transmitting the data to the comparison means is provided to the transaction terminal device or the transaction management device. A party identifier generating means for generating a party identifier Commerce information input means for inputting commercial information, communication means for transmitting and receiving information via a communication network, and computer means for controlling the entire commercial transaction terminal device together with arithmetic data processing. A commerce terminal device for communicating to the device;
A communication network for mutually transmitting information of the commercial transaction terminal device, the commercial transaction management device, the comparing unit, and the mobile communication control device; a communication unit for transmitting and receiving information via the communication network; Computer means for managing commercial transactions of goods and services; and storage means for storing a reference party identifier different from the party identifier in correspondence with the party identifier, and a mobile communication means for transmitting the reference party identifier corresponding to the party identifier. A control device or a commercial transaction management device for transmitting to a commercial transaction terminal device; a mobile communication terminal as reference party signal generating means for generating a position registration request signal as a reference party signal; and a mobile unit of the mobile communication terminal A position registration request signal including the communication terminal identifier is detected, and the position registration request including the mobile communication terminal identifier and the base station identifier of the mobile communication terminal is sent to the mobile communication control device. A mobile communication base station that transmits a request signal; and a base station identifier of the mobile communication base station corresponding to the mobile communication terminal identifier that receives the position registration request signal of the mobile communication terminal from the mobile communication base station. Storage means for storing reference party position data, computer means for controlling the entire mobile communication control device and controlling the communication line of each mobile communication terminal, and communication means for transmitting and receiving information to and from a communication network, The location registration request signal generated by the mobile communication terminal having the mobile party identifier and detecting the reference location data such as the base station identifier of the mobile communication base station corresponding to the mobile communication terminal identifier; A mobile communication control device for transmitting reference party position data such as a base station identifier corresponding to the mobile communication terminal of the mobile party identifier to the comparing means; and a commercial transaction data generating means. Comparing the commercial transaction position data with the reference party position data for the reference party identifier from the mobile communication control device to determine whether the transaction party is normal or not. Online check system. 9. A communication method such as detecting a signal from a commercial card or a mobile communication terminal or reading information from a memory or the like to generate a party identifier, a party identifier generating means for inputting trade information, and a commercial information input means for inputting trade information, and communication via the Internet or the like. Means from the commerce terminal device equipped with means for transmitting and receiving the party identifier and the information such as commerce information via a communication network such as the Internet to a commerce management device that manages the commerce of goods and services. In the online check method to determine whether or not
A reference party identifier different from the party identifier stored in advance corresponding to the party identifier is compared with a reference party detection identifier generated by detecting and generating a reference party identifier signal generated by the reference party signal generating means. A method for online checking of a trading party of a commercial transaction, characterized in that it is determined whether or not the transaction is performed. 10. A communication system such as the Internet or the like which detects a signal from a business card or a mobile communication terminal or reads information from a memory or the like to generate a party identifier, a party identifier input means for inputting trade information, and a communication such as the Internet. Means from the commerce terminal device equipped with means for transmitting and receiving the party identifier and the information such as commerce information via a communication network such as the Internet to a commerce management device that manages the commerce of goods and services. A first step of transmitting a party identifier from the party identifier generation means to the commercial transaction management device, and a party identifier stored in advance in the commercial transaction management device corresponding to the party identifier. The reference party identifier is read and the reference party identifier corresponding to the party identifier is read. Transmitting the party identifier to the comparison means, and generating a reference party identifier signal having a reference party identifier present near the reference party identifier detection means by the reference party identifier detection means and generating a reference party identifier signal A third step of detecting the reference party identifier signal from the means, extracting the reference party detection identifier, and transmitting the extracted reference party detection identifier to the comparison means; and comparing the reference party detection identifier with the reference party identifier by the comparison means to determine whether or not it is normal. And a fourth step of determining whether or not the transaction party is normal in a commercial transaction. 11. A method according to claim 9, wherein the reference party identifier generating means is a mobile communication terminal, and in the third step, the reference party identifier detection means is a mobile communication terminal. A location registration request signal including a mobile communication terminal identifier of a terminal is received, and the reference party detection identifier, which is a mobile communication terminal identifier, is extracted and detected from the location registration request signal. 12. A communication method such as detecting a signal from a commercial card or a mobile communication terminal or reading information from a memory or the like to generate a party identifier, a party identifier generating means for inputting commercial information, and a commercial information input means for inputting commercial information, and communication between the Internet and the like. Means from the commerce terminal device equipped with means for transmitting and receiving the party identifier and the information such as commerce information via a communication network such as the Internet to a commerce management device that manages the commerce of goods and services. In an online check system for determining whether or not a transaction is made, a party identifier generation means for generating a party identifier, a transaction information input means for inputting transaction information, a communication means for transmitting and receiving information via a communication network, Computer means for controlling the entire terminal device; A commerce terminal device for transmitting an identifier and commerce information to the commerce management device; a commerce terminal device and a commerce management device, or a reference party identifier detecting means,
Alternatively, a communication network for mutually communicating information with the comparing means, a computer means for controlling and operating the commercial transaction management device to manage commercial transactions of goods and services, and a party identifier corresponding to the commercial transaction information and the party identifier. Storage means for storing another reference party identifier, and communication means for transmitting and receiving the party identifier and commercial transaction information from the commerce terminal device via a communication network, wherein the reference party identifier corresponding to the party identifier is stored in the commerce terminal device. Alternatively, the reference party identifier detecting means or the commercial transaction management device for transmitting to the comparing means, and the reference party detection identifier from the reference party identifier signal from the reference party identifier generating means near the reference party identifier detecting means, Reference party identifier detection means for extracting and detecting and transmitting the extracted party information to the comparison means; the reference party identifier and the reference party Commerce online checking system trading parties, characterized by comprising a comparison means for determining whether to compare the reference party detected identifier normally from Besshi generating means. 13. A commerce terminal device comprising: a party identifier generation means for detecting a signal from a card for business transaction or a mobile communication terminal or reading information from a memory or the like to generate a party identifier; and a transaction information input means for inputting transaction information. A method for sending and receiving information such as the party identifier and commercial transaction information to a commercial transaction management device that manages commercial transactions of goods and services through a communication network such as the Internet, and performing a commercial transaction. A first step of transmitting the party identifier and the transaction information from the generation means to the transaction management apparatus, and reading out the reference party identifier different from the party identifier stored in advance in correspondence with the party identifier in the transaction management apparatus; Communicate transaction information to the mobile communication terminal of the party identifier via the mobile communication network Online how to contact commerce transactions parties, characterized in that it comprises a second step. 14. A communication between a business card or a mobile communication terminal or the like, a party identifier generating means for detecting a signal from a memory or reading information from a memory or the like to generate a party identifier, a commercial information input means for inputting commercial information, and communication via the Internet or the like. Means for sending and receiving information such as the above-mentioned party identifiers and commercial transaction information to / from a commercial transaction management apparatus which manages commercial transactions of goods and services from a commercial transaction terminal device having means for online communication with a transaction party of a commercial transaction which processes commercial transactions. In the system, a party identifier generating means for generating a party identifier, a commercial transaction information inputting means for inputting commercial transaction information, a communication means for transmitting and receiving information via a communication network, and a control of the entire commercial transaction terminal device together with operation data processing Equipped with computer means to manage party identifiers and commercial transaction information A commerce terminal device for communicating to the device;
A communication network including the Internet or the like and a mobile communication network for mutually transmitting the commerce terminal device and the commerce management device, a communication means for transmitting / receiving information via the communication network, and controlling the commerce management device to conduct commerce of goods and services. Computer means for managing, and a storage means for storing a reference party identifier different from the party identifier in correspondence with the transaction information and the party identifier, receiving the party identifier and the transaction information via a communication network, and A transaction management device for transmitting the transaction information to the mobile communication terminal of the reference party identifier corresponding to the party identifier via communication means, a communication means for transmitting and receiving information from the mobile communication network, and generating or displaying a voice on a display And a mobile communication terminal for receiving and expressing and outputting commercial transaction information via a mobile communication network. Party online communication system. 15. A commerce terminal device comprising: a party identifier generation means for detecting a signal from a card for business transaction or a mobile communication terminal or reading information from a memory or the like to generate a party identifier; and a transaction information input means for inputting transaction information. From a method for acquiring online consent information to a trading party of a commercial transaction that sends and receives information such as the party identifier and commercial transaction information to and from a commercial transaction management device that manages commercial transactions of goods and services through a communication network such as the Internet, A first step of transmitting the party identifier and the transaction information to the transaction management device from the party identifier generation means, and reading a reference party identifier different from the previously stored party identifier corresponding to the party identifier in the transaction management device; Commerce information to the mobile communication terminal of the reference party identifier via the mobile communication network The method further comprises a second step of transmitting, and a third step of transmitting information relating to approval or denial from the mobile communication terminal of the reference party identifier to the commercial transaction management device via a mobile communication network. How to get online consent information to trading parties in commerce. 16. A communication method such as detecting a signal from a business card or a mobile communication terminal or reading information from a memory or the like to generate a party identifier, a party identifier generation means for inputting trade information, and a communication information input means for inputting trade information, and communication via the Internet or the like. Means from a commerce terminal device having means for sending and receiving the party identifier and information such as commerce information via a communication network such as the Internet to a commerce management device that manages commerce of goods and services, and accepting the transaction party's online approval. In the information acquisition system, a party identifier generating means for generating a party identifier, a commercial transaction information inputting means for inputting commercial transaction information, a communication means for transmitting and receiving information via a communication network, and a control of the entire commercial transaction terminal device together with the arithmetic data processing Computer means for executing the A commerce terminal device for transmitting information to the transaction management device; a communication network including the Internet or the like and a mobile communication network for mutually transmitting the commerce terminal device and the transaction management device; communication means for transmitting and receiving information via the communication network; Computer means for controlling a management device to manage commercial transactions of goods and services; storage means for storing a reference party identifier different from the party identifier corresponding to the commercial transaction information and the party identifier; and A transaction management device that receives the identifier and the transaction information, and transmits the transaction information to the mobile communication terminal of the reference party identifier corresponding to the party identifier via the communication network, and communication means for transmitting and receiving information from the mobile communication network And an operation input means for inputting acknowledgment information or disapproval information, and a mobile communication network. The user of the mobile communication terminal senses the expression output from the expression output means, and receives the acknowledgment information or the denial information input by the user through the mobile communication network to the transaction management device or the transaction terminal device. An online consent information acquisition system for a trading party of a commercial transaction, comprising a mobile communication terminal transmitting the information via a mobile communication terminal. 17. A method according to claim 13, wherein said reference party identifier is read out of said reference party identifier which is stored in advance in correspondence with said party identifier in said commercial transaction management device. When the commercial transaction information is transmitted to the mobile communication terminal of the identifier via the mobile communication network, if the transmission does not end within a predetermined time, the processing is made to be abnormal.