JP2002312705A - Purchase money amount account settlement method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a purchase money amount account settlement method sufficiently securing security. SOLUTION: A purchase money amount is inputted to a sales management device 2 first. Then, a purchaser operates the operation input part of a portable telephone set 1 and inputs identification data. The control part of the portable telephone set 1 collates the inputted identification data and the identification data stored in a storage part beforehand. When the identification data match, the telephone number of the purchaser stored in the storage part of the portable telephone set 1 is displayed at a display part as a code. A clerk of a member shop reads the code at the display part of the portable telephone set 1 by a reader part and read code data (individual specifying information) are transmitted from the transmission part of the sales management device 2 through a channel 5 to an account specifying computer 3 together with a merchandise price and a member shop code. The account specifying computer 3 specifies transfer data on the basis of a data base stored in a storage means and instructs an account settlement processing computer 4 to perform transfer.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method of settlement of a purchase amount of a product (this product also includes a service), and more particularly, to a method of settlement of a purchase amount which does not require cash transfer at a member store. Things.

[0002]

2. Description of the Related Art When a purchaser purchases a product, a credit card or a debit card is sometimes used as a means to settle the purchase amount without transferring cash at a store.

[0003] When a credit card is used, when purchasing a product, a purchaser stores a credit card in which data identifying himself / herself (such as data identifying a bank account for settlement of a purchase amount) is magnetically recorded. Presented in The clerk reads the magnetic data of the credit card using a card reader, and inputs the purchase amount using a keyboard provided with the card reader. In addition, the clerk checks the signature made by the purchaser with the signature already made on the credit card. After these processes are performed, a computer system including a credit company computer connected to the card reader via a public telephone line and a bank computer,
An instruction to transfer the purchase amount is given. In this case, the processing at the store and the payment of the actual purchase price are performed on different days.

[0004] When a debit card is used, when purchasing a product, a purchaser stores a debit card in which data identifying himself / herself (such as data identifying a bank account for settlement of the purchase amount) is magnetically recorded. Presented in The clerk reads the magnetic data of the debit card using a card reader, and inputs the purchase amount using a keyboard provided with the card reader. Then, the purchaser inputs a personal identification number using the keyboard or the like. After these processes are performed, the purchase amount is confirmed and the purchase amount is paid immediately by a bank computer connected to the card reader via the public telephone line.

[0005]

When a credit card is used, since data for identifying an individual is magnetically recorded on the credit card, it is easy for a third party to know the data. In addition, signature verification at stores may not have been performed reliably, and even if verification has been performed, verification errors may occur due to verification performed by clerks who do not have specialized knowledge in verification. There is. Furthermore, the security of the card reader is not sufficient. Therefore, there is a possibility that the security of the purchaser is not sufficiently ensured, the credit card is forged or illegally used, and unexpected damage occurs.

[0006] Even when a debit card is used, since data for identifying an individual is magnetically recorded on the debit card, it is easy for a third party to know this data. Also, it is easy for a third party to obtain the password at the time of inputting the password at the store. further,
The security of the card reader is not enough. Therefore, forgery or unauthorized use of the debit card is performed, which may cause unexpected damage.
In particular, when a debit card is used, the settlement of the purchase price is performed immediately, and once forgery or unauthorized use is performed, it is almost impossible to prevent damages based on this.

The present invention has been made in view of such a problem, and an object of the present invention is to provide a purchase price settlement method with sufficient security.

[0008]

The invention made to achieve the above object is a purchase amount settlement method including the following steps S1 to S5. S1: a display step in which personal identification information of the purchaser who owns the account and the mobile telephone is encoded and displayed on the display unit of the mobile telephone; S2: the encoded personal identification information is stored in the member store. A reading step which is read by the sales management device of the customer; S3: a transmission step in which the personal identification information is transmitted from the sales management computer to the account identification computer via the line together with the purchase price information of the product purchased by the buyer; An account identification step in which the computer identifies the buyer's account based on the personal identification information; and S5: a transfer instruction step in which the transfer of the purchase amount from this account is instructed by the account identification computer.

In this purchase amount settlement method, a mobile telephone having a high attribute to the owner is used for personal authentication. Since mobile phones are used by users on a daily basis,
If this user loses his mobile phone, he often notices it in a relatively short time. Therefore, unlike a credit card or a debit card, the user does not notice the loss for a long time, and the damage caused by unauthorized use during that time does not increase. In addition, since authentication is performed using the encoded personal identification information, there is a low possibility that the personal identification information is leaked.

[0010] Preferably, the purchase price settlement method further includes, before the display step (S1), S0: a password data input step in which the purchaser inputs password data to the mobile telephone. Then, in the display step (S1), the coded personal identification information is displayed on the display unit on condition that the input password data matches the password data stored in the mobile phone. This prevents the abuse of the mobile telephone by others.

[0011] Preferably, the purchase amount settlement method further includes: S6: a completion notification step in which the completion of the transfer or the completion of the credit act related to the transfer is notified from the account specifying computer to the sales management device via a line. By this notification, the buyer and the member store can confirm the transfer and the like on the spot.

Preferably, the collection of the purchase price from the purchaser is performed in cooperation with an automatic telephone charge payment system to which the purchaser subscribes. That is, the purchase price is collected together with, for example, monthly telephone charges. This can be done through existing infrastructure.

[0013] The purchase price settlement method includes a reader unit for reading personal identification information encoded and displayed on a display unit of a mobile telephone owned by the purchaser, and a purchaser who purchases the read personal identification information. A sales management device including a transmission unit for transmitting the purchase price information of the product to be sent to the account specifying computer via a line is preferably used.

[0014]

BRIEF DESCRIPTION OF THE DRAWINGS FIG.
The present invention will be described in detail based on embodiments.

FIG. 1 is a conceptual diagram of a purchase amount settlement method according to an embodiment of the present invention. FIG. 1 shows a mobile phone 1 as a mobile phone and a sales management device 2 of a member store.
And an account identification computer 3 of the data center and a settlement processing computer 4 of the bank. The user of the mobile phone 1 is a purchaser who purchases a product using the purchase price settlement system.

The mobile phone 1 includes a transmission / reception unit, a control unit, a speaker, an operation input unit (numeric keys, a touch panel, etc.), a microphone, a storage unit, and the like. The storage unit stores the telephone number and password data of the purchaser. The storage of the telephone number and the password data is performed by the mobile phone company before the mobile phone 1 is paid to the user. The storage unit includes a memory (ROM) in which arbitrary writing is impossible. Therefore, a person who has picked up or stolen the mobile phone 1 cannot rewrite the telephone number and the password data. In addition, it is preferable that the mobile phone 1 is configured so that a person who has found or stolen the mobile phone 1 cannot read the password data.

The mobile phone 1 also has a display unit. The display unit has a sign display function. Examples of the code include a barcode, a two-dimensional code obtained by expanding the barcode two-dimensionally, a code obtained by adding color information to the barcode, and the like.

The member stores provide merchandise to customers. The member stores include not only those who sell tangible goods but also those who provide services. The member store joins the purchase price settlement system by paying a member fee. Examples of the member store include a convenience store and the like. The sales management device 2 owned by the member store includes a reader unit and a transmission unit. An example of the sales management device 2 is a POS.

Data center account specifying computer 3
(A hard disk or the like) stores a database in which the correspondence between the telephone number of the purchaser and the bank account opened in the bank is made. This database is created based on the contents of an automatic payment request form submitted by the buyer to the mobile phone company at the time of contract. In addition, the account identification computer 3 also stores a database in which a member store code is associated with a member store account.

[0020] The bank has a deposit account of the buyer. Further, the payment processing computer 4 of the bank holds the charging instruction for the deposit account, determines whether or not the payment corresponding to the charging instruction is possible, and reports whether or not the charging instruction source can settle the payment.

Sales management device 2 and account specifying computer 3
Is connected via a wired or wireless line 5 (preferably a dedicated line). In addition, account identification computer 3
And the payment processing computer 4 are both wired or wireless lines 6
(Preferably a dedicated line).

FIG. 2 is a flowchart showing the method of settlement of the purchase price of FIG. In this purchase amount settlement method,
First, the price of the product purchased by the buyer is input to the sales management device 2 of the member store (STP1). The purchaser who has agreed to this price operates the operation input unit of his / her mobile phone 1,
The personal identification data is input (STP2). The control unit of the mobile phone 1 collates the input password data with the password data stored in the storage unit in advance (STP3). If the password data does not match, a message to that effect is displayed on the display unit of the mobile phone 1, and a re-entry is prompted (STP4). Note that the mobile phone 1 may be configured such that, when the erroneous input of the password data reaches a predetermined number of times (for example, three times), the subsequent input is blocked. The collation of the password data prevents the non-owner of the mobile phone 1 from being misused. Further, when the purchaser inputs the password data, the mobile phone 1 is configured such that only the number of digits of the input data is displayed by a symbol such as an asterisk, from the viewpoint of preventing leakage of the password data. preferable.

When the password data is properly entered, the telephone number of the purchaser stored in the storage unit is displayed on the display unit as a code (STP5). Of course, the telephone number may be input each time by the purchaser, but even in this case, the matching of the password data is a condition for displaying the code. The telephone number is used as personal identification information. of course,
An individual may be specified by data (for example, telephone subscription ID) other than the telephone number.

The clerk at the member store reads the code on the display unit of the portable telephone 1 by the reader unit (STP6). The read code data (that is, the telephone number that is the personal identification information) is transmitted from the transmission unit of the sales management device 2 to the account identification computer 3 via the line 5 together with the purchase amount and the member store code (STP7).

The calculation means (CP
U) is based on a database stored in the storage means,
The transfer data is specified (STP8). The transfer data includes the buyer's deposit account (bank name, branch name, account number, etc.), the payment account of the member store, the transfer amount (ie, the price of the product), and the like. The buyer's deposit account is identified based on the telephone number. The payment account of the merchant is specified based on the merchant code.

Next, the account specifying computer 3 transmits the transfer data to the settlement processing computer 4 of the bank through the line 6, and issues a transfer instruction (STP9). The calculation means of the settlement processing computer 4 which has received the transfer instruction confirms the balance of the deposit account of the purchaser and determines whether transfer is possible or not based on this (STP10). If the transfer is impossible due to insufficient balance or the like, the settlement processing computer 4
Notifies the merchant via lines 6 and 5 (ST
P11). If the transfer is possible, the settlement processing computer 4
Performs a transfer to a member store bank (not shown) (ST
P12).

After the transfer is completed, the settlement processing computer 4 immediately transmits a transfer completion notice to the member store through the lines 6 and 5 (STP13). Thereby, the clerk of the member store hands the goods to the buyer on the spot.

In this purchase amount settlement method, since the settlement is made through the lines 5 and 6 with high security, the transaction is performed safely. Therefore, for example, there is little need for information encryption or the like as in electronic payment using the Internet.

The mobile phone 1 may be configured so that the purchaser can input the password of the bank account from the operation input unit. This password is also encoded and displayed on the display unit, read by the reader unit of the sales management device 2, and transmitted to the settlement processing computer 4 through the account specifying computer 3. The password transmitted by the payment processing computer 4 is compared with a password stored in advance, and transfer is performed only when the passwords match.
When the password of the bank account is input, the collation (STP3) of the personal identification data in the mobile phone 1 is unnecessary. Of course, higher security may be achieved by performing both the collation of the password data in the mobile phone 1 and the collation of the password by the settlement processing computer 4. Further, the password data and the password of the bank account may be the same.

The mobile phone 1 may be configured so that the purchaser can also input the purchase price from the operation input unit. This purchase price is also encoded and displayed on the display unit, and read by the reader unit. Then, the sales management device 2 determines whether the read amount matches the amount input to the sales management device 2 by the sales clerk, and transmits the data to the account specifying computer 3 only when both match. The management device 2 is configured. This prevents the purchaser from unintentionally purchasing a high-priced product due to a mistake.

When not only the telephone number but also the password of the bank account or the purchase price is coded and displayed on the display unit, the code may be displayed in two or three columns. Scrolling may be performed, and each code may be displayed on a different page. Further, one code may be formed by combining a plurality of pieces of information.

The account specifying computer 3 is connected to the sales management device 2
Does not immediately issue a transfer instruction to the payment processing computer 4 when the data is received from the
May determine whether credit is possible to the buyer.
If it is determined that credit is possible, the data center performs a credit act. When this crediting operation is completed, the sales management device 2 is notified through the line 5 to that effect. Transfer from a bank account is performed, for example, by summing up all purchase amounts every month. The purchase price may be transferred together with the telephone charge collected by the mobile phone company to which the purchaser subscribes from the purchaser. That is, the collection of the purchase price may be performed in cooperation with the automatic telephone fee payment system. in this case,
The data center and the mobile phone company need to be affiliated or united.

[0033] The credit act may be performed by a credit company. In this case, a credit company exists between the data center and the bank in FIG. Or
The data center and the credit company may be integrated.

The merits of the member store in this purchase amount settlement method include (1) expansion of business opportunities, and (2) elimination of credit act.
Therefore, the operator of this system can also collect a member fee corresponding to this merit from the member store. This membership fee may be the profit of the operator, and all or a part of the fee may be used for discounting the telephone charge of the buyer. The discount is usually made according to the purchase price, the number of times the mobile phone 1 has been used, and the like. It is preferable that the reduction of the call charge due to the discount contributes to the spread of the mobile phone 1 to low-income persons, the elderly, and the like, and contributes to the improvement of welfare.

As a merit that the mobile phone company receives in this purchase amount settlement method, there is an improvement in the added value of the mobile phone service. The increase in mobile phone subscribers is expected due to the combination of purchase price settlement and call service.

The merits that the purchaser receives in this purchase amount settlement method include (1) that the purchase of goods is made safe by improving security, (2) that there is no need to transfer cash at the store, and (3) telephone charges. And the like.

FIG. 3 is a conceptual diagram of a purchase amount settlement method according to another embodiment of the present invention. As shown in FIG. 1, this figure shows a mobile phone 1, a sales management device 2 at a member store, an account identification computer 3 at a data center, and a settlement processing computer 4 at a bank. In this figure, a store 7 is also shown. The store 7 and the buyer
For example, they are connected by a line 8 such as the Internet. The store 7 and the account identification computer 3 are also connected by a line 9.

In this purchase price settlement method, first, a purchaser places an order for goods to a store 7 through a line 8. The store 7 receiving this sends the slip to the purchaser through the line 8. This slip shows a purchase price, a transaction code, a store code, and the like. These pieces of information are preferably encoded and displayed. The buyer prints the slip using a printer. Of course, the slip may reach the buyer by mail or the like.

The purchaser brings the slip and the mobile phone 1 to a member store. The clerk of the member store reads the purchase amount, the transaction code, and the store 7 code described on the slip using the sales management device 2. In the member store, the personal management information displayed on the mobile phone 1 is also read by the sales management device 2 in the same manner as in the purchase price settlement method shown in FIG. These pieces of information are transmitted to the account identification computer 3 through the line 5.

The account specifying computer 3 specifies the transfer data in the same manner as in the purchase price settlement method shown in FIG. Then, a transfer is instructed to the settlement processing computer 4 through the line 6. After the transfer is completed, a notification to that effect is transmitted from the settlement processing computer 4 to the account specifying computer 3 through the line 6. The account specifying computer 3 specifies the store 7 based on the store code, and notifies the store 7 of the completion of the transfer through the line 9. At this time, the transaction code is also notified. The store 7 that has received the transfer completion notification sends the product to the purchaser through the home delivery company. Also in this purchase amount settlement method, since the mobile phone 1 having high attribution to an individual is used for authentication, transaction security is achieved.

Information such as a purchase amount, a transaction code, and a store code provided from the store to the purchaser through the line 8 is
The data may be input to the mobile phone 1 as electronic data. In this case, the information is transmitted from the mobile phone 1 to the sales management device 2 at the member store.

In this purchase amount settlement method, similarly to the purchase amount settlement method shown in FIG. 1, the collection of the purchase amount may be performed in cooperation with the telephone charge automatic payment system. Further, a credit act by a credit company or the like may be performed.

Although the present invention has been described in detail by taking the case where the mobile phone 1 is used as an example, mobile phones such as a PHS terminal, an automobile phone, and a personal digital assistant (PDA) having a telephone function are also used. It can be used for similar purchase price settlement.

[0044]

As described above, according to the purchase price settlement method of the present invention, sufficient security is ensured.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram of a purchase amount settlement method according to an embodiment of the present invention.

FIG. 2 is a flowchart illustrating a purchase price settlement method of FIG. 1;

FIG. 3 is a conceptual diagram of a purchase price settlement method according to another embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... Mobile telephone 2 ... Sales management apparatus 3 ... Account identification computer 4 ... Payment processing computer 5, 6, 8, 9 ... Line 7 ... Dealer

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G07G 1/14 G07G 1/14

Claims (5)

[Claims] 1. A display step in which personal identification information of a purchaser who owns an account and a mobile telephone is encoded and displayed on a display unit of the mobile telephone, and the encoded personal identification information is displayed. A reading step that is read by the sales management device of the member store; a transmission step in which the personal identification information is transmitted from the sales management device to the account identification computer via the line together with the purchase price information of the product purchased by the buyer; A purchase amount settlement method, comprising: an account identification step in which a computer identifies a purchaser's account based on personal identification information; and a transfer instruction step in which transfer of a purchase amount from the account is instructed by an account identification computer. 2. The method according to claim 1, further comprising, before the displaying step, a password data input step in which the purchaser inputs password data to the mobile phone. In the displaying step, the input password data and the password stored in the mobile phone are stored. 2. The method according to claim 1, wherein the personal identification information encoded on the condition that the personal identification data matches the personal identification data is displayed on the display unit. 3. The purchase amount according to claim 1, further comprising a completion notification step of notifying the sales management device of the completion of the transfer or the completion of the credit act related to the transfer via a line from an account specifying computer. Payment Method. 4. The settlement method according to claim 1, wherein the purchase amount is collected from the purchaser in cooperation with an automatic telephone charge payment system to which the purchaser subscribes. . 5. A reader unit for reading personal identification information encoded and displayed on a display unit of a mobile telephone owned by a purchaser, and purchase price information of a product purchased by the purchaser based on the read personal identification information. And a transmission unit for transmitting the data to the account specifying computer through a line.