JP2002318984A - Payment certification system using information processing terminal - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a payment system using cellular phone. SOLUTION: When a ticket of concert, for example, is purchased by use of a cellular phone, a ticket sales center is accessed to perform the purchase of the ticket and payment of the cost. After the payment is completed, the ticket sales center requests a unique code to the cellular phone owner. The cellular phone owner transmits the unique code set in a card or the like to the ticket sales center, and the ticket sales center registers the unique code in the database of a concert hall. When the cellular phone owner enters the concert hall, it presents the unique code of the card. When the unique code is determined to be right, the cellular phone owner can enter the concert hall.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement system using a portable telephone and a settlement confirmation system for certifying the settlement.

[0002]

2. Description of the Related Art With the intensification of service competition in recent years, a payment system in which a computer and a telephone are highly linked has attracted attention. Above all, mobile phones have attracted attention for their application to payment systems as a means for confirming who they are, because of their excellent functionality and mobility. In fact, the range of use is not limited, such as bank transfer and purchase of concert tickets.

[0003] On the other hand, even before the appearance of mobile phones, the settlement system using a credit card has established its services, and its penetration rate has become extremely high like mobile phones. Here, the difference between the card payment and the mobile phone payment is as follows: 1) The card payment is basically settled at the end of the borrowed month, while the mobile phone payment can provide the same service as the card payment. It is also possible to build a system for debiting from your own account like a card. 2) In card payment, presenting the card to other hardware or another target person will make your ID and payment ability Prove and receive the goods. The other hardware or subject trusts the person's ID and the credit card company that proves the ID. Either way, it is necessary to present the card to hardware or the target person. In the case of mobile phone payment, what is required at the time of payment is the mobile phone itself, and no other hardware is required at the time of payment. Because mobile phones can communicate with the network in real time, cards do not have the means and require additional hardware.

FIG. 9 is a diagram for explaining a processing flow of a conventional settlement system using a portable telephone. Note that FIG. 7 shows a process from purchasing a concert ticket with a mobile phone to entering a concert venue. However, the purchase on the mobile phone is not limited to the concert ticket.

[0005] First, the holder of the mobile phone performs step S
In 1, a ticket purchase request is made to a concert sales center using a mobile phone. The concert sales center confirms the ID information of the client and makes a payment (step S2).
Then, in step S3, the concert sales center sends the ticket to the mobile phone holder. The concert ticket purchaser, who is the mobile phone holder, determines in step S
In 4, bring a ticket to the gate of the concert venue. At the concert venue, the ticket of the cell phone holder who is the concert ticket purchaser is confirmed (step S).
5) In step S6, the gate of the concert hall is opened.

In this manner, at the concert venue, it is confirmed by confirming the ticket that the holder of the mobile phone is a valid concert ticket purchaser and the ticket purchase has been settled. Mobile phone holders who are ticket purchasers can be admitted.

[0007]

As described above, it can be said that a portable telephone is in a state in which the card settlement function can be largely included. However, there is a problem that it is difficult to prove the settlement. At present, for example, considering purchase of a concert ticket, as shown in FIG. 9, when a request is made to a ticket sales center by a mobile phone, the sales center sends the ticket to the requester after settlement. The client brings this ticket to the venue and proves that payment has been completed. However, the fee for sending the ticket, the cost for producing the ticket, and the associated administrative cost are enormous. There is also a method of bringing in a mobile phone that has made a payment and certifying it. To prove whether the mobile phone has been settled, 1) connect it to the mobile phone interface connector, 2) built in the mobile phone Although communication using IrDA is conceivable, complicated processing is required, and it cannot be said that this is an efficient processing method in a very crowded concert hall. There is also a method of installing a small wireless device in a mobile phone and performing wireless communication through the gate, but opening and closing the passage by invisible negotiation depends on whose payment information the gate is opened and closed by the settlement information Is difficult to judge and may cause confusion.

An object of the present invention is to provide a settlement system using a mobile phone.

[0009]

SUMMARY OF THE INVENTION A settlement certification system of the present invention is a settlement certification system for certifying settlement for a purchase application from a mobile phone via a network connection with the mobile phone. Payment means for performing a purchase procedure and payment for the purchase application, and identification information receiving means for receiving, from the mobile phone, identification information for identifying later that the payment has been completed when the payment is completed. And a settler identifying means for identifying a user who has made a purchase / payment using the mobile phone by using the identification information.

[0010] According to the present invention, the purchase /
Since it is possible to easily prove that the purchase / payment process has been performed for the payment process, it is possible to appropriately provide the purchased product or service to the user of the mobile phone who has made the purchase / payment. Done, easy for the user,
A convenient and convenient purchasing system can be provided.

[0011]

DESCRIPTION OF THE PREFERRED EMBODIMENTS In an embodiment of the present invention, information settled by a portable telephone is transferred to another. That is, usually, when a product is purchased, a receipt is received in exchange for the price (receipt). This is sufficient evidence that the person did indeed purchase it, and is indeed useful for returning goods. If this can be stored in a network and applied, very smooth operation will be possible. In the above-mentioned concert ticket sales, at the concert hall, when passing through the gate, the gate is opened only by reading a card in place of the receipt into the gate.

Also, unlike a conventional credit card, this card does not prove its own ID, so that even if it is lost, there is no risk of misuse. Further, in the embodiment of the present invention, a receipt confirmation method is proposed. That is, a unique number assigned to a card is stored on the network side, and a third party confirms the number on the network. Regardless of the type of the conventional card, it is only necessary to have a function capable of assigning a unique number and a means for reading the number. For example, a magnetic commuter pass or a magnetic ticket for a train may be used.

In the following description, sales of concert tickets, sales of train tickets, and the like will be described as examples. However, the present invention is not limited to this, and can be used to purchase any goods and services. It is.

FIG. 1 is a diagram showing an outline of a network system to which an embodiment of the present invention is applied. The mobile phone 14 wirelessly connected to the carrier network 10 accesses the receipt service management network 12 via the Internet network 11. When the purchase with the mobile phone 14 is completed and the payment is made, the information of the payment is stored in the payment number management database 15 of the receipt service management network 12. At this time, the mobile phone 14 notifies the receipt service management network 12 of the payment number. This settlement number is also notified to the concert customer management network 13 via the Internet network 11 and managed in the customer management database 16. The holder of the mobile phone 14 goes to the concert venue to confirm that the payment for the purchase of the concert ticket has been completed, and uses the payment number to authenticate the user. The concert venue is connected to a concert customer management network 13 and uses the customer management database 16 to authenticate payment with a payment number.

FIG. 2 is a diagram showing an embodiment of a processing sequence of a payment authentication system using a mobile phone. Although the drawing illustrates the purchase of a concert ticket as an example, the payment authentication system using a mobile phone can also be used for payment authentication of the purchase of another product or service.

First, the mobile phone holder determines in step S10
Request a ticket sales center to purchase a ticket using a mobile phone. When the payment is completed, the ticket sales center requests the mobile phone holder to notify the unique code, that is, the payment number (step S).
11). The mobile phone holder has a card with a unique code, and the card reader is used to read the unique code of the card, or the mobile phone holder enters the card number from the mobile phone . The unique code thus input is notified to the ticket sales center (step S13). The ticket sales center notifies the concert hall of the received unique code. At the concert hall, the unique code transferred from the ticket sales center is registered in the database (step S16), and is managed until the mobile phone holder comes to the concert hall.

The mobile phone holder who is the ticket purchaser
In step S15, the card used for the notification of the unique code is passed through the gate at the concert hall. Then, at the concert venue, in step S17,
The unique code stored in the card is read and compared with the unique code stored in the database to verify whether the unique card of the mobile phone holder's card is registered and correct. If incorrect, do not open the gate and refuse entry. If the unique code of the card of the mobile phone holder is correct, it is determined that the authentication has been successful, and in step S18, the gate is opened, and the mobile phone holder holding the card enters the concert hall.

FIG. 3 is a diagram showing another embodiment of the processing sequence of the payment authentication system using the mobile phone. Note that, also in the same drawing, the purchase of a concert ticket will be described as an example, but the present invention is not necessarily limited to this.

First, the mobile phone holder makes a ticket purchase request to the ticket sales center using a mobile phone (step S25). When the settlement between the mobile phone holder and the ticket sales center is completed, the ticket sales center requests the mobile phone holder to notify the unique code (step S26). Upon receiving the unique code notification request, the mobile phone holder reads the unique code of the card using a card reader or the like or inputs the card number using a mobile phone (step S27), and sells the unique code to a ticket. The center is notified (step S28). At the ticket sales center that was notified of the unique code,
Register the unique code in the database (step S
29).

In the concert hall, the holder of the mobile phone passes the card used for the notification of the unique code through the gate, and causes the device at the concert hall to read the unique code. Upon reading the unique code of the card, the device at the concert venue inquires of the ticket sales center via the network whether or not the unique code of the card is registered as being settled (step S31).

The ticket sales center receiving the inquiry verifies whether the notified unique code of the card is correct or not registered in the database (step S32), and transmits the verification result to the gate device of the concert hall. Notify (step S33). If the unique code is incorrect as a result of the verification, the gate device at the concert venue will not open the gate and display to the mobile phone holder that the unique code is incorrect, and if the unique code is correct as a result of the verification If it is determined that is, in step S34, the gate is opened, and the mobile phone holder enters the concert hall (step S35).

FIG. 4 is a diagram showing a processing flow when the embodiment of the present invention is applied to railway ticket purchase / payment. First, the mobile phone holder requests the railway ticket center to purchase a boarding ticket using a mobile phone (step S4).
0). When the settlement between the mobile phone holder and the railway ticket center is completed, the railway ticket center requests the unique code from the mobile phone holder (step S41). Upon receiving the request, the mobile phone holder inputs the serial number (corresponding to the unique code) of the general-purpose ticket (corresponding to the above-mentioned card) obtained in advance (step S42). This serial number is notified to the railway ticket center via the network (step S43).

The railway ticket center notifies the received serial number to the management server at the gate of the station used by the settler (cell phone holder) (step S44). Here, although the sequence corresponding to FIG. 2 is shown, the sequence corresponding to FIG. 3 can also be applied.
That is, the railway ticket center may store and manage the serial number, and the management server of the station gate may inquire the railway ticket center whether the serial number of the general-purpose ticket of the mobile phone holder is correct.

In step S45, the serial number is transmitted to the gate machine at the entrance gate of the station. Then, when the mobile phone holder who purchased the boarding ticket passes the general-purpose ticket through the gate of the station (step S46), step S4
At 7, it is checked whether the serial number of the general-purpose ticket is correct. If the sequence number is incorrect, the mobile phone holder will not pass through the gate. If the serial number is correct, the gate is opened (step S48), and the mobile phone holder enters the station yard (step S49).

FIG. 5 is a schematic diagram of a mobile phone and a card reader. The mobile phone has at least one display for a user interface to notify a user when to read or write data from a card reader. If there is no card reader, the user enters a series of payment numbers using a mobile phone push button.

It is sufficient for the type of mobile phone to have the above functions, and in fact, many mobile phones currently on sale have such functions.
Even if a special mobile phone is not prepared, it is enough to realize the embodiment of the present invention.

FIG. 6 is a diagram showing an example of a card for storing a payment number (unique code, serial number, etc.). There are various cards used in the embodiments of the present invention. In the case of the card with IC shown in the figure, since the IC is built in, not only the settlement number can be stored, but also other information can be stored and a key for encryption can be calculated. Such IC cards include a contact type and a non-contact type.

In the case of a card with a magnetic tape shown in the figure, a settlement number is held as magnetic information. Such cards are currently in heavy use and can be easily manufactured. Also, a general-purpose ticket can be created on the same principle as a card with a magnetic tape. A general-purpose ticket can be coated with a magnetic material on the back surface, and a payment number such as a serial number can be recorded on the magnetic material.

FIG. 7 is a diagram showing an example of a hardware configuration of a server provided at a ticket sales center or the like, or a server for managing a gate of a concert hall, a station gate, or the like.
The processing according to the embodiment of the present invention can be realized by loading a program into a server that manages a gate of a ticket sales center, a concert hall, a station gate, and the like.

These servers are provided with a CPU 21 connected to peripheral devices via a bus 28, and an external storage device 25 such as a hard disk, and a portable recording device such as a CD-ROM, a floppy (registered trademark) disk, a DVD, and an MO. The CPU 21 executes the program by copying the program recorded on the medium 29 to the memory 22. The program stored in the portable recording medium 29 is read by the medium driving device 26. Also,
Various databases can be formed in the external storage device 25 or the portable recording medium 29.

The input device 23 comprises a keyboard, a mouse, a template, a touch panel, etc., and notifies the CPU 21 of instructions for managing the server, and is necessary for maintenance management. The output device 24 includes a display, a printer, and the like. In the case of a server, the output device 24 is also mainly used for maintenance.

The network connection device 27 communicates with a mobile phone or another server via a network to realize the processing of the embodiment of the present invention. FIG. 8 is a diagram illustrating a distribution form of a program.

The program executed by the processing device 31 as a server can be loaded from a portable recording medium 33 such as a CD-ROM or a floppy disk to the processing device 31 and executed. Alternatively, the program can be stored in a memory such as a RAM / hard disk, and the processing device 31 can execute the processing. Alternatively, the processing device 31 can access the program provider 30 via a network to download and execute the program. Alternatively, while the program provider 30 and the processing device 31 are connected via a network,
It is also possible to execute the program under a network environment.

In the above embodiment, the description has been made on the assumption that the unique code is used as the information for identifying the user stored in the card. However, the present invention is not necessarily limited to this. Others,
The above embodiment can be realized even by using voiceprint information or fingerprint information. Therefore, the identification information of the present invention includes not only the unique code but also voiceprint information and fingerprint information.

Further, the present invention has been described as the best mode, particularly, an embodiment using a portable telephone. However, the gist of the present invention is to make it possible to efficiently cope with various settlements by consumers. Therefore, the terminal for making purchases and payments is not limited to a mobile phone. For example, even if the information terminal such as a general personal computer is used to allow a consumer to input a user ID, etc. Implementation of the invention is possible.

(Supplementary Note 1) A payment certification system for certifying payment for a purchase request from the information processing terminal via a network connection with the information processing terminal. Payment means for performing a purchase procedure and payment for the price, identification information receiving means for receiving, from the information processing terminal, identification information for identifying that the payment has been completed, when the payment is completed, A payment certifying system comprising: a user who has made a purchase / payment by using the identification information;

(Supplementary note 2) The settlement certification system according to supplementary note 1, wherein the identification information is recorded on an information holding card. (Supplementary note 3) The settlement certification system according to supplementary note 1, further comprising database means for storing and managing the received identification information.

(Supplementary Note 4) The database means is provided in an institution that performs the purchase procedure and the settlement of the price, and the institution that performs the purchase procedure and the settlement of the price responds to an inquiry from an organization that needs to identify the user. On the other hand, the settlement certification system according to claim 1, wherein a result of judging whether the user is a user who has made a purchase or a settlement is transmitted.

(Supplementary Note 5) A payment certification method for certifying payment for a purchase request from the information processing terminal via a network connection with the information processing terminal. A settlement step of performing a purchase procedure and settlement of a price, an identification information receiving step of receiving, when the settlement is completed, identification information for later identifying that the settlement has been completed, from the information processing terminal; A settlement user identification step of identifying a user who made purchase and settlement using the identification information by using the identification information.

(Supplementary note 6) The settlement certification method according to supplementary note 5, wherein the identification information is recorded on an information holding card. (Supplementary note 7) The settlement certification method according to supplementary note 5, further comprising a step of storing and managing the received identification information.

(Supplementary Note 8) The storing / managing step is performed by an institution that performs the purchase procedure and the settlement of the price, and the institution that performs the purchase procedure and the settlement of the price includes an institution that needs to identify the user. The settlement certification method according to claim 5, wherein a result of determining whether or not the user is a user who has actually made a purchase or settlement is transmitted in response to the inquiry.

(Supplementary Note 9) A program for realizing a settlement certifying method for certifying settlement for a purchase application from the information processing terminal via a network connection with the information processing terminal, wherein the purchase application from the information processing terminal is A settlement step of performing a purchase procedure and settlement of a price; and an identification information receiving step of receiving, from the information processing terminal, identification information for later identifying that the settlement has been completed, when the settlement is completed. A program for causing a computer to implement a settlement certification method, comprising: a settler identification step of identifying a user who has made a purchase / settlement using the information processing terminal using the identification information.

(Supplementary note 10) The program according to supplementary note 9, wherein the identification information is recorded on an information holding card. (Supplementary note 11) The program according to supplementary note 9, further comprising a step of storing and managing the received identification information.

(Supplementary Note 12) The storing / managing step includes:
The institution that performs the purchase procedure and the settlement of the price is performed by the institution that performs the purchase procedure and the settlement of the price. 10. The program according to supplementary note 9, wherein a result of determining whether the user is a user is transmitted.

(Supplementary Note 13) A program for causing a computer to implement a settlement certification method for certifying settlement for a purchase application from the information processing terminal via a network connection with the information processing terminal. A payment step of performing a purchase procedure and payment for a purchase application; and an identification information receiving step of receiving, from the information processing terminal, identification information for identifying later that the payment has been completed when the payment is completed. And a payer identification step of using the identification information to identify a user who has made a purchase / payment using the information processing terminal. Computer-readable recording medium.

(Supplementary note 14) The recording medium according to supplementary note 13, wherein the identification information is recorded on an information holding card. (Supplementary note 15) The recording medium according to supplementary note 13, further comprising a step of storing and managing the received identification information.

(Supplementary Note 16) The storing / managing step includes:
The institution that performs the purchase procedure and the settlement of the price is performed by the institution that performs the purchase procedure and the settlement of the price. 14. The recording medium according to supplementary note 13, wherein a result of determining whether or not the user is a user is transmitted.

[0048]

As described above, according to the present invention, it is possible to efficiently cope with various settlements, such as a settlement of a railway ticket by a mobile phone, a settlement of a concert ticket, and the like, after which settlement proof is required. Becomes possible. Further, since unnecessary distribution and the like are omitted, it is possible to reduce costs for consumers. In addition, even if lost, it is less likely to be misused and safe.

[Brief description of the drawings]

FIG. 1 is a diagram showing an outline of a network system to which an embodiment of the present invention is applied.

FIG. 2 is a diagram showing an embodiment of a processing sequence of a payment authentication system using a mobile phone.

FIG. 3 is a diagram showing another embodiment of the processing sequence of the payment authentication system using the mobile phone.

FIG. 4 is a diagram showing a processing flow when the embodiment of the present invention is applied to railway ticket purchase / payment.

FIG. 5 is a schematic diagram of a mobile phone and a card reader.

FIG. 6 is a diagram showing an example of a card for storing a payment number (unique code, serial number, etc.).

FIG. 7 is a diagram illustrating an example of a hardware configuration of a server provided at a ticket sales center or the like, a server for managing a gate of a concert hall, a station gate, and the like.

FIG. 8 is a diagram illustrating a distribution form of a program.

FIG. 9 is a diagram illustrating a flow of processing of a conventional payment system using a mobile phone.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 Carrier network 11 Internet network 12 Receipt service management network 13 Concert customer management network 14 Mobile terminal 15 Payment number management database 16 Customer management database

Claims (5)

[Claims] Claims 1. A payment certification system for certifying payment for a purchase application from an information processing terminal via a network connection with the information processing terminal. A payment means for performing payment of the payment, an identification information receiving means for receiving, from the information processing terminal, identification information for identifying that the payment has been completed, when the payment is completed, and using the information processing terminal. Users who have made purchases and payments
A settlement certifying system comprising: a settlementr identifying means for identifying using the identification information. 2. The payment certification system according to claim 1, wherein said identification information is recorded on an information holding card. 3. The payment certification system according to claim 1, further comprising database means for storing and managing the received identification information. 4. The database means is provided in an institution that performs the purchase procedure and the settlement of the price, and the institution that performs the purchase procedure and the settlement of the price responds to an inquiry from an organization that needs to identify the user. The user truly purchases
The settlement certification system according to claim 1, wherein a result of determining whether or not the user has made the settlement is transmitted. 5. A settlement certifying method for certifying a settlement for a purchase application from the information processing terminal via a network connection with the information processing terminal, wherein a purchase procedure is performed for the purchase application from the information processing terminal. A settlement step of performing settlement of the payment, and an identification information receiving step of receiving, from the information processing terminal, identification information for identifying that the settlement has been completed, when the settlement is completed, using the information processing terminal. Users who have made purchases and payments
A payment certifying method, comprising: a step of identifying a payer using the identification information.