JP2002288574A - Electronic settlement service system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve safety of electronic settlement without impairing convenience of a user in electronic commerce. SOLUTION: A electronic settlement service system is provided with a settlement service server 5 connected to a customer database 9 previously registering ID of a user, a personal identification number, a credit card number, and a shop database 10 registering the shop ID of an electronic firm, respectively. The settlement service server 5 connects user terminals 1, 2 and the electronic firm 6 through the Internet, receives a user's ID and personal identification number input from the user terminal and commodity delivery instruction data, gains access to the customer database 9, receives the credit card number after performing customer authentication, gains access to the shop database 10 to receive the shop ID, transmits the commodity price information with the credit card number and the shop ID to a payment authentication system 11 to receive the authentication result data to the credit card number, and transmits the authentication result data and commodity delivery instruction data to the electronic firm 6. The electronic firm 6 settles with the credit card company according to the authentication result data and sends the commodity to the user according to the delivery instruction data.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic payment system, and more particularly to a system for securely performing payment in electronic commerce.

[0002]

2. Description of the Related Art In a commercial transaction using the Internet, that is, an electronic commercial transaction, a method of paying a trading value generated in the commercial transaction includes a bank transfer and a money transfer. However, in consideration of user's convenience, it is desirable to perform the payment by electronic payment. Electronic payment is a network or IC that can be used to pay for purchases and usage fees generated by commercial transactions.
This is done using a card. The most typical electronic payment is credit card electronic payment. Each time you shop at a store, you receive a credit check from the card company and promise to "deduct the money from the bank account on the due date" is credit card payment, which is done on the Internet by electronic credit card payment It is.

[0003] Electronic payment by credit card is a method of inputting a card number on a screen of a virtual store on the Internet, that is, an electronic store, and transmitting it over a network. In this case, the user does not need to sign each time, which is convenient. Also, once you have registered your first card number,
When shopping at the same online store next time, the password and ID number may be input in some cases.

[0004]

However, in the field of electronic commerce, anyone who knows the credit number can make a payment and does not need a sign or the like, so that the user can send the credit number to a third party on the Internet. He was hesitant to participate in e-commerce for fear of being obtained fraudulently. This has been one of the major factors hindering the spread of electronic commerce. That is, the conventional e-commerce settlement method has a problem that unauthorized use is possible because the credit card number is disclosed to the store.

[0005] It is an object of the present invention to provide an electronic settlement system that improves the security of electronic settlement without impairing the convenience of users in electronic commerce.

[0006]

In order to achieve the above object, the present invention provides an electronic settlement system for allowing a user to access an electronic store on the Internet using a user terminal and perform an electronic business transaction. User ID in advance,
A payment service server connected to a customer database in which a personal identification number and a credit card number are registered, a store database in which a store ID of the electronic store is registered, and a payment authentication system are provided. Connected to the user terminal and the electronic store via the Internet, the settlement service server receives the user ID, password, and product delivery instruction data input from the user terminal and accesses the customer database, After performing customer authentication, receive a credit card number, further access the store database, receive a store ID, and authenticate the payment information of the product obtained from the electronic store together with the credit card number and the store ID in the payment authentication. To the system and from the payment authentication system to the client. Receiving the authentication result data for the JIT card number, transmitting the authentication result data and the commodity delivery instruction data to an electronic store, the electronic store performs settlement with a credit card company based on the authentication result data, and Provided is an electronic payment system, wherein a product is sent to a user based on instruction data.

[0007] In the electronic settlement system, a debit card number of the user is registered in the customer database, and the settlement service server stores the user's ID, password, and product delivery instruction input from the user terminal. Receiving the data, accessing the customer database,
After performing customer authentication, receiving the debit card number, further accessing the store database, receiving a store ID, and paying the price information of the product obtained from the electronic store together with the debit card number and the store ID in the payment. Transmitting to the authentication system, receiving the authentication result data for the debit card number from the payment authentication system, transmitting the authentication result data and the commodity delivery instruction data to the electronic store, the electronic store, in the authentication result data Payment may be made with the financial institution based on the delivery instruction data, and the product may be sent to the user based on the delivery instruction data.

[0008] The debit card number includes an account number of a user's deposit account at the financial institution and a personal identification number of a cash card, and the authentication result data is presented by the electronic store to the financial institution to provide the deposit account. It may include the information needed to receive payment from the account.

In the electronic payment system, the payment service server transmits the authentication result data to an electronic store on condition that the product arrives at a warehouse or place managed by an operator of the payment service server. Is also good.

[0010] Further, the product is electronic content that can be downloaded, the electronic store attaches a specific tag to the electronic content, and an operator of the settlement service server can manage and grasp the status of the electronic content. When routing the content so that it passes through the appropriate router,
The authentication result data may be transmitted to an electronic store, considering that the product has been shipped.

[0011]

FIG. 1 shows an outline of an electronic settlement system according to the present invention. In FIG. 1, reference numerals 1, 2, and 3 denote a personal computer, a mobile phone, and a mobile phone server, respectively, which constitute a user terminal of the electronic payment system of the present invention. The personal computer 1 or the mobile phone 2 is connected to a settlement service server 5 via the Internet 4 and further connected to an electronic store 6. Firewalls 7 and 8 are provided between the settlement service server 5 and the user's personal computer or mobile phone, and between the settlement service server 5 and the electronic store to prevent unauthorized access from outside. , Ensuring security.

The settlement service server 5 includes a customer database 9, a store database 10, and a payment authentication system 1.
1 respectively. The customer database 9 stores the I shown by the user in the electronic payment system subscription procedure.
D, a personal identification number, a credit card number or a debit card number are registered. In the store database 10,
The store ID of the online store is registered. The payment authentication system is established by a financial institution such as a credit company or a bank, and confirms the user's ability to pay (credit balance or account balance, accident information, etc.) to the financial institution through the network from the user's credit number or account number. Things.

The electronic payment system of the present invention provides an electronic payment service to users and electronic stores that subscribe to the system. In this electronic settlement service, the settlement service server 5 transmits and receives the following data to and from the personal computer 1 or the mobile phone 2, the electronic store 6, the customer database 9, the store database 10, and the payment authentication system 11 in FIG. Provided by The user selects an electronic store affiliated with the electronic payment system operator, and accesses the payment service site from the electronic store automatically or by his / her own choice to access the user's I-store.
Enter D and PIN. Payment service server 5 based on the information obtained in
Refers to the customer database 9 and acquires the credit card number or debit card number of the user registered in advance (the account number of the financial institution owned by the user and the password of the cash card). The store ID relating to the settlement means selected by the user is acquired from the store database 10. The customer database 9 and the store database 10
Requesting the payment authentication system of the financial institution based on the data acquired from the user and the price of the product selected by the user, and obtaining the authentication result data. The authentication result data, the user name, and the destination address are transmitted to the electronic store to instruct execution of the sale. The electronic store 6 requests settlement from a financial institution based on the authentication result data, and sends out the product to the user.

FIG. 2 and FIG. 3 are flowcharts of a normal use example in an electronic settlement service provided by the electronic settlement system of the present invention.

According to this flowchart, the user enters the Web page of the electronic store using the user terminal and browses the product catalog (20). If there is a favorite product (eg, book), the user puts it on a cart (21). Items you wish to purchase in the cart (eg books, MD Walkman, etc.)
Is accumulated. The settlement service server outputs a screen for confirming whether or not to actually purchase the merchandise stored in the cart (22). If the user actually purchases the book (YES), the payment service server prompts the user terminal to enter the user's ID and personal identification number (PIN number) (eg, “Enter. ID:. ....., PI
N: ... ") is output (23). If the user
D, PIN number (Example: "TANAKA""0213")
Are respectively input (24). The display on the screen is, for example, ID: “TANAKA” and PIN: ****.

[0016] The settlement service server checks the input I
Customer database (customer DB) based on D and PIN number
To access the ID and P registered in the customer DB in advance.
Check if there is something that matches the IN number (2
5, 26). If there is a match (YES), the payment service server recognizes that the input is from a legitimate customer, considers that the customer has been authenticated, and confirms the message (eg, "Principal has been confirmed"). Is output (2
7). If the ID and PIN numbers do not match (N
O) outputs a screen prompting for input again (28). Then, the authentication is confirmed again (29), and if the authentication is successful (YES), a confirmed message is output (27).
If the authentication fails three times, the electronic payment service is stopped (30). The settlement service server accesses the store database (store DB) and acquires the store ID (31). The payment service server accesses the payment authentication system and sends the following three pieces of information to the payment authentication system (authorization system) (32). A number for payment information based on the authenticated ID and PIN number obtained from the customer DB (eg, credit number or debit card number) A unique store ID for each financial institution obtained from the store DB (eg, X store is VISA The total price of the product you want to purchase (sum of the product prices on the cart)

The authorization system confirms the user's ability to pay (credit balance or account balance, accident information, etc.) to each financial institution through the network (33). If the user's ability to pay is confirmed by the authorization system (YES), the settlement service server receives the authentication result data, that is, the authorization ID from the authorization system, and outputs a message to that effect (eg, payment has been confirmed). (34). If not confirmed (NO),
An account confirmation request screen is output (35), and the session is terminated and switched to a waiting screen (36). Further, the settlement service server outputs a screen for confirming with the user whether or not to use the escrow service (eg, do you use the escrow service) (37). The part related to the escrow service will be described later.

[0018] The payment service server, if necessary,
A screen for confirming the destination of the product (eg, “Where do you want to send the product? 1. Home 2. Others”) is output on the terminal (38, 39). Further, when the above item 2 is selected (YES), a screen for prompting the input of the destination address (eg:
"Enter the destination address: ...") is output, and the user inputs a destination address (example: destination address: Seta, Setagaya-ku ...) (40). The settlement service server combines the product to be purchased, the authorization ID, and the destination to which the user desires (eg, book 1, authorization ID: 002345,
Send to: Seta-ku, Seta-ku) and send it to the online store (4
1). The electronic store sends out the product based on the data, and sends a product shipping confirmation to the settlement service server (42). The settlement service server outputs a message indicating the completion of the shipping procedure (for example, “Product shipping has been arranged”) on the screen (43). Also, the online store presents the authorization ID to the financial institution and receives payment from the financial institution (44,
45).

The settlement service server outputs to the user a screen for confirming whether to log off (whether to return to the normal standby screen from the Web page of the electronic store) (46). If the user logs off (YES), the screen switches to the standby screen, and if the user does not log off (NO)
Keeps displaying the product information screen of the online store.

To explain the part relating to the escrow service, when the user uses the escrow service (YES), the settlement service server outputs a confirmation screen (eg, “confirm the use of the escrow service”) (47). . In addition, the payment service server
The product destination of the escrow service server is designated for the store (48). After the arrival of the goods at the designated destination for the escrow service is confirmed, the settlement service server notifies the store of the authorization ID (49). afterwards,
The payment service server sends a product arrival guide (eg, “The product has arrived to the designated escrow service destination. Please request pickup / shipment”) on the user terminal screen (50).

Next, a subscription procedure for receiving an electronic settlement service by the electronic settlement system of the present invention will be described. FIG. 4 is a flowchart showing a joining process and an adding process after joining. According to this flowchart, when purchasing a mobile phone, the user agrees to the settlement service and subscribes (51). In this case, a mobile phone dealer can introduce the service to a mobile phone purchaser, confirm the consent, and register the credit card number or debit card number, as well as the ID and PIN number. The mobile phone store sends the information to the payment service server, and stores the user ID and PIN in the customer database (customer DB) on the payment service server side.
The number, credit card number and debit card number are stored (52). The settlement service server notifies that the subscription procedure has been completed (for example, “the settlement service has been subscribed”) (53). Thereafter, the subscriber can use the settlement service at any time, and the standby screen of the normal use example as shown in FIG. 2 is output (54).
Actually, the user jumps to the portal site of the payment service by clicking the link provided on the site of the electronic store.

If the user wants to register another credit card number or debit card number after repeating the normal use as shown in FIG.
Click the button (55). Then, the user inputs a credit card number or a debit card number to be added (56). The input credit card number or debit card number is sent to the payment service server, and stored in the customer DB by the payment service server. Then, you will be notified that the payment method has been added (for example:
"The settlement method has been added"), and the screen returns to the standby screen (58).

In the above-described embodiment, it is generally assumed that a system for calling a settlement screen after deciding an article to be purchased and inputting an ID and a password (for example, a system having a cash register at an exit of a virtual mall) is assumed. However, it is also possible to construct a system (for example, a system in which there is a cash register at the entrance of a virtual mall) for calling a payment screen and inputting an ID and a password before purchasing an article. However, in the latter case, it is preferable to construct a mechanism in which information on the total price of all the articles to be purchased is obtained and then the authorization (solvent ability confirmation) is performed.

[0024] Regarding the purchased goods, the operator of the settlement service server, in order to protect the purchaser,
As described above, it is also possible to provide an escrow service. This is, for example, to deliver an authorization ID to an electronic store on condition that the purchased article arrives at a warehouse or place managed by the operator of the settlement service server, and to use such a service. Thus, the electronic store is motivated to safely deliver the purchased article to the escrow service provider, and therefore, the purchaser can safely receive the settled article.

When the purchased article is electronic content that can be downloaded, a service similar to the escrow service described above can be applied. The solution in this case is to add a certain tag to the goods purchased as a duty of the store so that the goods purchased always pass through a router that can be managed and monitored by the payment service operator. It is necessary to make a proper routing. In this way, the server can track how the electronic content that has been bought and sold flows on the Internet. The payment service server recognizes that the purchased article has been dispatched when the electronic content passes through the corresponding router, and sends the authorization ID to the store at that point.

In the same manner as described above, in the case where the article to be purchased is downloadable electronic content, the authorization (payment ability confirmation) of the purchaser is completed, and the electronic content is sent from the electronic store to the purchaser via the Internet. However, it is also possible to construct a mechanism for attaching a certain tag to the electronic content and forcibly sending the receipt confirmation of the purchaser side to the settlement service server side by e-mail or the like. In that case, the payment service server sends the encrypted authorization ID to the electronic store after receiving the receipt confirmation from the purchaser by e-mail or the like.

[0027]

According to the present invention, since payment is performed on behalf of a store or a customer on the basis of pre-registered information, financial information of the customer is not leaked at all, and misuse can be prevented. Become. That is, according to the electronic payment system of the present invention, since the credit card number or the debit card number (that is, the account number and the password of the cash card) are not transmitted to the store, it is possible to perform highly secure payment. . In addition, the user does not need to enter a credit card number or a cash card PIN when purchasing a product, and it is possible to perform settlement by entering only the ID of the system user and the PIN. High in nature. Further, since the security of the settlement is high, the type of the terminal on the user side is not limited, and the type of the article purchased by the user does not matter.

[Brief description of the drawings]

FIG. 1 is a diagram showing an outline of an electronic settlement system of the present invention.

FIG. 2 is a flowchart of a normal use example in an electronic settlement service provided by the electronic settlement system of the present invention.

FIG. 3 is a flowchart of a normal use example in an electronic payment service provided by the electronic payment system of the present invention.

FIG. 4 is a flowchart of a subscribing and adding process in an electronic payment service provided by the electronic payment system of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 PC 2 Mobile phone 3 Mobile phone server 4 Internet 5 Payment service server 6 Electronic store 7, 8 Firewall 9 Customer database 10 Store database 11 Payment authentication system

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 420 G06F 17/60 420

Claims (5)

[Claims] 1. An electronic payment system in which a user accesses an electronic store on the Internet using a user terminal to perform an electronic business transaction.
A payment service server connected to a customer database in which a personal identification number and a credit card number are registered, a store database in which a store ID of the electronic store is registered, and a payment authentication system are provided. Connected to the user terminal and the electronic store via the Internet, the settlement service server receives the user ID, password, and product delivery instruction data input from the user terminal and accesses the customer database, After performing customer authentication, receive a credit card number, further access the store database, receive a store ID, and authenticate the payment information of the product obtained from the electronic store together with the credit card number and the store ID in the payment authentication. To the system and from the payment authentication system to the client. Receiving the authentication result data for the JIT card number, transmitting the authentication result data and the commodity delivery instruction data to an electronic store, the electronic store performs settlement with a credit card company based on the authentication result data, and An electronic payment system for sending a product to a user based on instruction data. 2. A debit card number of a user is registered in the customer database, and the settlement service server receives a user ID, a password and a product delivery instruction data input from the user terminal. Accessing the customer database, performing customer authentication, receiving the debit card number, further accessing the store database, receiving a store ID, and transmitting the price information of a product obtained from the electronic store to the debit card. Transmitting the authentication result data for the debit card number from the payment authentication system together with the card number and the store ID to the payment authentication system, transmitting the authentication result data and the commodity delivery instruction data to an electronic store, The store settles with the financial institution and gives the user a product based on the delivery instruction data. The electronic payment system according to claim 1, wherein 3. The debit card number includes an account number of a user's deposit account at the financial institution and a personal identification number of a cash card, and the authentication result data is presented by an electronic store to the financial institution to 3. The electronic payment system according to claim 2, including information necessary for receiving payment from an account. 4. The settlement service server transmits the authentication result data to an electronic store on condition that the commodity arrives at a warehouse or place managed by an operator of the settlement service server. The electronic payment system according to claim 1. 5. The product includes downloadable electronic contents, the electronic store attaches a specific tag to the electronic contents, and an operator of the payment service server can manage and monitor the electronic contents. A routing that always passes through the router, and when the content passes through the corresponding router, the product is regarded as having been sent, and the authentication result data is transmitted to an electronic store. Item 1. An electronic payment system according to Item 1.