JP2002358436A - Internet information processing and commerce settlement mechanism - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a mechanism which can settle an ordered price with security of Internet commerce and facilitate the transfer of the ordered article, and widely notify users of a homepage of the Internet and easily obtain homepage information from the user side. SOLUTION: The identifying method of this invention is embodied by using a non-settlement type card, etc. A device and a method are proposed which enable the settlement of Internet commerce and the transfer of the article while associated with an existent electronic locker, an automatic vending machine, and an electronic cash register device to mutually complement functions. Further, advertisement is always distributed on the display screen of this device and users are able to take its information out by using various input media.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an effective advertisement and information distribution mechanism for Internet information, a settlement of a transaction price and a delivery of ordered goods in Internet commerce,
And customer authentication methods.

[0002]

2. Description of the Related Art As a method of presently providing commercial advertisements and various kinds of information using the Internet, a display device is provided on the front of a vending machine widely installed nationwide, and advertisements of sales products and the like are displayed on the display device. A method of displaying by rotation has been proposed. (JP-A-2000-149
118) In recent years, a method of receiving an order via the Internet, delivering it to a customer by courier service (registered trademark), and paying for the price by a credit card has become popular. On the other hand, Internet banks have recently begun operating, and businesses from different industries are entering this business. In this case, the payment is made in a cashing box installed in a store such as a bank or a convenience store, and a bank card or the like is inserted and a personal identification number is always required. In recent years, convenience stores have been settled for Internet commerce payments,
It is planned as a settlement base for product delivery. However, a mechanism for simultaneously performing the Internet information distribution and the commercial transaction settlement processing has not been implemented.

[0003]

Problems to be solved in advertising and information distribution of companies, products, merchandise, event information, etc. using the Internet, and in Internet commerce are described below.

[Problem 1: Internet Information Distribution] At present, many Internet homepages for corporate advertisement are produced. In order to widely inform the general consumer of the homepage created by the company, the user must first make the user input the URL address from the browser screen of the personal computer. However, this address cannot be stored by the user because of the complicated character string configuration. In order to solve this problem, it is required that the user be provided with a means for easily browsing and operating the creator homepage. As a method of advertising on the Internet on a busy street, a vending machine that has a display device on the front part of the vending machine and also has a function of rotatingly displaying Internet advertisements etc. of sales products on this display device is proposed. Is being done. (JP-A-2000-14
9118) As another proposal, a proposal has been made to order goods on the Internet using a vending machine. (Japanese Patent Laid-Open No. 9
However, these proposals do not allow passers-by to view the contents of this home page in detail because vending machines are installed on a busy street. Advertising information is not displayed on the cash dispenser screens of banks and credit companies. And so on. In addition, computer shows and the like for computer-related companies have been held at event venues in various places for the purpose of introducing their products. in this case,
Exhibitors had to produce and distribute a large number of product brochures, which was a huge production cost. In addition, participants had to bring back this heavy pamphlet. Therefore, it is considered whether the information distribution technology using the Internet can be used for this solution.

[Problem 2: Settlement of service product]
Credit cards are the main payment method for service products that do not involve the delivery of goods, such as booking and issuing tickets for travel tickets, accommodation tickets, theaters, baseball stadiums, and distribution of music, game software, etc. Service tickets, such as receipts, admission tickets, accommodation tickets, and travel tickets, have been sent by mail. Alternatively, reservations have been accepted at the counters and cash payments have been made on the spot. However, when trading this product on the Internet, the price of the product is often small, and the above method is inconvenient because it takes time and effort. For this reason, this point has been a bottleneck in expanding retail products in Internet commerce.

[Problem 3: Identity Verification] In recent years, a method of receiving an order via the Internet and paying for the price by a credit card has become widespread. In this case, it is necessary to register the card number and the personal identification number in advance, and at this time, there is a fear that this information may be leaked to others and illegally used. Accordingly, there is a demand for a payment method that can be used with confidence even for users who are concerned about such security. Furthermore, payment by credit card always requires the input of the person's name and actual address, and for this reason, transactions that hesitate to clarify the identity of the person, such as the distribution service of adult information, were difficult to receive.

[Problem 4: Internet banking]
Recently, the operation of the Internet bank has begun, and businesses from different industries have entered this business. In this case, the payment is made in a cashing box installed in the Bank or a convenience store. Since the manufacturing cost of this caching box is high, the installation thereof imposes a huge cost burden. Therefore, there is a demand for the development of a transaction payment machine which can be manufactured at a low price and can be easily installed in a place where many people gather.

[Issue 5: Unmanned] Currently, convenience stores and the like are manned by clerks, so if this Internet transaction expands in the future, the management will become troublesome, and labor costs and stock yards for product storage will be secured. Expected to be expensive. Therefore, development of a completely unmanned mechanism is required.

[0009]

Means for Solving the Problems In order to comprehensively solve the problems described above, the following devices and systems are developed. FIG. 1 is a block diagram illustrating the configuration of the present invention. In the first invention, a home page created by a company or an organization is notified of information by a display device provided on a display unit. Then, the present invention proposes an Internet information processing apparatus and system in which a user can easily obtain details of the information by operating the apparatus. (See Fig. 2)

[0010] In the second invention, the device is provided with a settlement means, and business transactions on the Internet, especially service products (for example, boarding tickets, train tickets, designated tickets, travel tickets, accommodation tickets, theaters,
A device that can simultaneously make reservations for tickets to baseball stadiums and the like, issue tickets, distribute music, game software, etc.) and issue receipts showing proof of commercial transactions, and issue various service tickets related to this service product at the same time. Suggest. This device is a communication control unit that exchanges data with the management center of the business entity via a communication line, a display unit that displays Internet homepage information, or a display unit that displays customer information and transaction details, and customers (users). Input section for authenticating the
It consists of an output unit that outputs a receipt as a proof of the transaction and issues various service tickets, and a computer system main control unit that comprehensively controls them. on the other hand,
The entity's management center produces and provides an Internet home page that contains product information, product information, company information, event information, etc. A database system that receives and registers and manages customer information and order product information and manages the transaction status of customers, and a computer system that performs various information services (for example, distribution of e-mail) for customers.

In the third, fourth, and fifth inventions, Internet commerce settlement and information that cooperate with existing devices (eg, electronic lockers, vending machines, electronic cash register devices, etc.) to complement and function with each other. We propose a mechanism that can be provided. (See FIGS. 4, 5, and 6)

Further, in the sixth invention, the identification of the customer (identification) is performed by a settlement-type card system in which a card number and a password are inputted and the identification is performed, such as a credit or bank card, which has been conventionally performed. It proposes the use of non-settlement-related cards, and the use of non-settlement card numbers in the case of settlement-related card numbers, which can be used as a customer ID number without a personal identification number, and that a transaction price can be settled without a card. .

[0013]

BEST MODE FOR CARRYING OUT THE INVENTION

(First Invention) The first invention is a proposal relating to a mechanism that is installed in a place where there are many people or a lot of people and performs advertisement and information distribution using the Internet. FIG. 2 is a block diagram showing the configuration of the Internet information processing device of the first invention. First, the mechanism of the Internet information processing device that forms the core of the present invention will be described, and then the flow up to settlement of Internet commerce using the device will be described.

(Configuration of Internet Information Processing Unit) The display unit 1 is composed of a display device using a liquid crystal display of a touch panel type or a cathode ray tube, and performs operation guide display for a customer (user), various data displays, and the like. For example, on this display device, homepages for providing advertisements and various kinds of information produced by respective companies and organizations are edited and rotated. In addition to commercial advertisements, public information (news, weather forecast, etc.) and emergency information (traffic information, disaster information, etc.)
Is displayed in a timely manner. In addition, Internet information can be displayed according to the purpose of use of the user. The communication control unit 5 performs data communication with a computer system installed in the management center X of the business entity via a communication line. Payment cards such as credit cards and bank cards that can be put in and taken out of cash based on personal identification numbers, and non-financial cards such as licenses, health insurance cards, point cards, and company ID cards that do not necessarily require personal identification numbers and do not handle cash Card reader 31 that optically and magnetically reads the card number written on the payment card, customer (user)
Keyboard 32 for inputting an ID number of the user, and an optical reading device 3 for reading character information written on a paper sheet such as a utility bill.
And an input unit 3 including a wireless receiving device 34 for reading information from a wireless signal emitted from a mobile phone or the like.
And an output unit 4 for outputting a receipt b as a proof of the transaction and various service tickets b such as an entrance ticket, a travel ticket, and an accommodation ticket.
Is provided. The input unit 3 can also read information (e-mail address, user name, etc.) recorded on the input medium a from the input medium a. The output unit 4 can be omitted when output of a printed material is not necessary depending on the purpose of use. The main control unit 2 is a computer system that comprehensively controls the functions of the above units. According to the fourth and fifth aspects of the present invention, the Internet information processing device can display the contents of a customer's Internet transaction.

(Role of Management Center) The role of the management center X in FIG. 1 is as follows: (1) Product information, product information, company information, and event information managed by the business entity are produced as an Internet homepage and released on the Internet. I do. (2) This management center provides customer information and order product information for customers who purchase products while viewing this homepage, and user information of users who want to obtain and obtain company information, product information, and event information. Register and manage in the X database system. (3) Timely mail delivery to customers (users). (4) When the customer operates the transaction settlement machine, the system responds to an information inquiry from the machine to the database system of the management center X. And so on.

(Registration of Customer ID Number “User ID Number”) In this work, in order for the customer (user) to use the proposed machine, his authentication and delivery of e-mail to him for various purposes are performed. This is necessary for the first time and is performed once. The registration information here is as follows and is registered through the Internet homepage registration screen of the business entity. Customer name (user name): In this system, it is not necessary to register a formal name, and registration with a pseudonym may be performed. When a customer (user) uses the machine, the information is displayed on the display device as information for personal identification. E-mail address: An e-mail is sent to confirm the identity of the user during transaction (use). This avoids fraudulent transactions. Further, in the case of the first invention, the address of the homepage where the company information and commercial information are registered is described in the e-mail and distributed to the user. Customer (user) ID number: There are the following two types of registration of this number. When registering, either
Or both can be registered. In addition,
You can register any number. Case 1: Use the number of the existing issued card and register it. There are two types of this card,
A user ID card (called a payment system card) issued by a bank or credit company and having a caching function that requires input of a personal identification number is used. The other uses a number of a user ID card (called a non-settlement type card) such as a license, an insurance card, a point card, a transportation commuter pass, and a company ID card which does not take in and out cash. Case 2: A customer (user) determines and registers a number that is easy for the customer (user) to remember. In this case, if a telephone number, a postal code, a regional code, etc. are incorporated in a part of the number, it is difficult to forget. PIN: Not always required except when used as a payment card function. Installation location code of this machine: The registration screen displays the location information of this machine installed nationwide. Designate the installation location of this machine that customers often use. This location is coded in our system. Therefore, it is possible to incorporate this code as part of the customer (user) ID number. After the above-mentioned registration work is completed, a unique customer (user) ID card can be produced and distributed to the customer (user) by the business entity for the convenience of business operation. If information relating to transactions, such as a customer name and an e-mail address, is written in advance in each of the settlement-type card and the non-settlement-type card, it is sufficient to read and use the information when using the machine. When wireless communication such as a mobile phone is used, it is also possible to create a system for registering the information in the device and wirelessly transmitting the information.

(User Authentication and Information Acquisition Processing) The user goes to the information processing apparatus A of the first invention and performs the following operation on the information processing apparatus A. First, the card reader 3 constituted by the input unit 3
1. The following operation is performed for user authentication using any one of the input devices of the keyboard 32 and the wireless communication 34. The card reader 31 has a user ID of the above-mentioned settlement type or non-settlement type.
Insert the card. At that time, the card reader 31 optically or magnetically reads the number marked on the inserted card. The keyboard 32 does not have a user ID card, and the user can use the user ID card registered in the system in advance.
Key in the D number. In this case, it is not necessary to input all the registered user ID numbers. On the system side,
If meaning is given to the position of this number (for example, upper, middle, lower) and the number of digits, only the number of the necessary position needs to be key-input by the user operating the device. For example, if the upper digits are systematically defined as the installation location code (for example, postal code) of the machine, the user can omit the upper digits when operating only with the device. Can do things. The main control unit 2 transmits the user ID number input at the input unit 3 to the computer of the management center X via the communication control unit 5 and requests database collation.
The management center system confirms the user ID number and further indexes the e-mail address. When an e-mail address is recorded in the user ID card or the wireless device, the e-mail address is read by the input unit 3 and notified to the management center X via the communication control unit 5. This e-mail address is used for the following operations. Thereafter, the output unit 4 can output various documents for confirmation of reception, but this function can be stopped depending on the purpose of use. After the above operation is completed, the management center X sends the home page address in an e-mail so that the user can view the home page. Through the above procedure, the user returns home, work, etc., and slowly browses the contents later on his own terminal (computer, mobile phone)
You can get detailed information on products, companies, events, products, etc. Of course, it can also be displayed on the display unit 1.

FIG. 3 is a block diagram showing the configuration of the Internet commerce payment mechanism according to the second invention. First, the configuration of an Internet transaction settlement machine B (hereinafter abbreviated as a price settlement machine) which is the core of the present invention will be described, and then the flow up to settlement of Internet commerce using the machine will be explained. In the second invention, a settlement means for the Internet commercial transaction is incorporated in the first invention.

(Order Acceptance Processing) A customer accesses a product advertisement on an Internet homepage operated by the business entity through a personal computer operation, and places an order for a desired product according to screen instructions. In this case, the products to be ordered include service products that do not require delivery of goods (specific product contents are described above) and product products that require delivery of goods. It is handled by a certain settlement machine, and the latter is handled by a method in which an electronic locker is attached to a connection portion of the settlement machine as described in the third invention. In addition, the customer's personal computer operation method and systematic processing related to the above ordering work are inherited from the method generally used in conventional Ichii. Finally, when the customer's order procedure is completed, the system sends an e-mail to the customer indicating that the order has been accepted and the transaction has been completed.

(Payment Processing) The customer goes to the payment settlement machine B for the payment of the ordered product, and performs the following operation by this machine. (1) Customer authentication: Information on customer authentication is provided to the input unit 3 using various input media a. This medium and the method of processing the medium are as described in the first invention. The main control unit 2 makes a data collation request to the management center computer system via the communication control unit 5 for the customer ID number input at the input unit 3. The management center system confirms the customer ID number and notifies the main control unit 2 of the order information such as the product name, price, transaction date and time via the communication control unit 5. The main control unit 2 displays the content on the display device of the display unit 1. (2) Price settlement: The customer checks the transaction contents by looking at the displayed contents, and puts cash c into the price settlement unit 6. When a change is required, the payment settlement section 6 performs the processing. Payment with a payment card can be completed in advance using a credit function and a banking function, and cash payment with this machine is also possible. In this case, this card is treated just like a non-payment card, and there is no need to enter a PIN. (3) Receipt / service ticket output: After that, the main control unit 2
Receives the signal information that the price c has been paid from the price settlement unit 6, receives the receipt as a proof that the transaction is completed,
In addition, printing of a service ticket b or the like is instructed. (4) Transaction completion: Finally, the main control unit 2 notifies the management center system through the communication control unit 5 that the transaction has been completed. The management center X recognizes that the transaction has been completed, and a record of the transaction completion is written in the database system. With the above operations, the flow relating to a series of transactions is completed.

FIG. 4 is a configuration block diagram showing the third invention. In Internet commerce, the transaction is completed by settlement of the transaction price and delivery of the product. In the second invention, it has been described that the settlement of the transaction price is performed, and that the service product (ticketing such as an entrance ticket and a traffic ticket) can also be delivered. The third invention relates to goods other than service goods (books,
We propose a mechanism to settle payment for goods (such as records) and deliver goods. A feature of the present invention resides in that an article storage function of an existing locker is used. That is, the settlement machine B plays the role of settlement of the transaction price, and the electronic locker C plays the storage and delivery of the goods. As shown in FIG. 4, in the third aspect of the present invention, the payment machine B and the electronic locker C operate integrally via connection portions 7 and 8 provided respectively. Here, the operation method of the customer and the flow of this system processing are almost the same as those in the first invention, but different points will be mainly described. First, the customer goes to the payment apparatus B and performs a customer authentication operation. After the customer authentication, the main control unit 2
Information (customer name, product name, product price, storage box number, etc.) such as order product information and information stored in the electronic locker C is displayed on the screen of the display unit 1. The customer inputs the displayed transaction price into the price settlement unit 6 according to the instructions on the screen. However, this procedure is not necessary if the payment has already been completed by the payment function of a payment card, mobile phone, or the like.
When the payment is completed, the main control unit 2 transmits a signal indicating the completion of the payment and information such as the storage box number of the product to the electronic locker C through the connection unit 7. The control unit 12 of the electronic locker C blinks a display lamp 11 installed beside the storage box 9 and analyzes the information to indicate the location of the storage box 9.
The electronic lock 10 attached to the device is unlocked. According to the above operation procedure, the customer can take out the ordered product. After that, the control unit 12 in the electronic locker C recognizes that the customer has taken out the ordered product, and accordingly,
To the main control unit 2 via the respective connection units 7 and 8. Thereafter, the main control unit 2 of the payment apparatus B notifies the management center system through the communication control unit 5 that all transactions have been completed. Finally, the management center system writes a record of the completion of the transaction in the database as a proof that the transaction has been completed. With the above operations, the flow relating to a series of transactions is completed.

FIG. 5 is a configuration block diagram showing the fourth invention. The present invention utilizes a price settlement function of an existing vending machine for inputting a product price and receiving a product. That is, the vending machine D plays a role in the settlement of the Internet commerce price, and the Internet information processing machine A carries out delivery of service products, for example, a function of outputting a service ticket such as a theater admission ticket, and a function of displaying Internet information.
As shown in FIG. 5, the fourth invention comprises connection units 13, 1 provided in an Internet information processing machine A and a vending machine D, respectively.
4 to operate integrally. In addition, the display unit 1 displays an Internet advertisement or the like in a lotion manner for the purpose of publicity advertisement for road passers and the like. Here, the operation method of the customer and the flow of the processing of this system are almost the same as those in the first invention, so different points will be mainly described. First, the customer goes to the Internet information processing machine A that operates in conjunction with the vending machine D, and performs a customer authentication operation. When the customer authentication is completed, the system displays order product information (customer name, product name, product price, etc.) on both sides of the display unit 1. In accordance with the instructions on the screen, the customer puts the displayed product price into the price slot of the price settlement unit 16 of the vending machine D. However, if the payment has already been completed by the payment function of a payment card, a mobile phone, or the like, this procedure is not necessary. When the payment is completed in the vending machine D, a signal indicating the completion of the payment is sent to the main control unit 2 of the Internet information processing machine A via the connection units 13 and 14 provided in each device. When the product is a service product or the like and a service ticket or the like needs to be issued, the main control unit 2 of the Internet information processing device A issues a print instruction to the output unit 4 together with a receipt. Thereafter, the main control unit 2 of the Internet information processing device A notifies the system of the management center X via the communication control unit 5 that all transactions have been completed. Finally, the management center system recognizes that the transaction has been completed, and a record of transaction completion is written to the database system. According to the above operation procedure, the flow relating to a series of transactions is completed. According to the above operation procedure, the customer can receive an order for a service product, payment for the service, a service ticket, and the like through the Internet.

FIG. 6 is a structural block diagram showing the fifth invention. The present invention describes a method of performing payment of an Internet commerce payment using an electronic cash register device E located at a cashier counter in a convenience store or the like. The present invention is characterized in that the customer can pay for the items ordered on the Internet together with the items purchased in the store by operating the register device by the clerk. In addition, the input unit 23 including an optical reading device attached to the electronic cash register device E allows water, electricity,
It is also possible to settle bills received in writing as utilities such as various taxes. Hereinafter, the present invention will be described in detail with reference to FIG. In the present invention, the Internet information processing device A and the electronic cash register device E are connected by connecting means 19 and 20. Hereinafter, the flow of use of this apparatus will be described. (1) First, a customer requests a cashier at a cashier counter to key in a product purchased in a store, and also performs a settlement process for a product purchased on the Internet. According to the instructions of the clerk, (2) the customer goes to the Internet information processing machine A installed next to the cashier counter and inputs the customer ID to the input unit 3
The customer ID number is input by inserting a card, keying in the customer ID number, or transmitting a wireless signal using a mobile phone or the like. (3) The Internet information processor A requests the management center system to authenticate the customer via the communication control unit 5.
When the customer authentication is completed, the main control unit 2 of the Internet information processing apparatus A instructs the display unit 1 to display the product information (customer name, product name, product price, etc.) of the customer order. At this time, the customer pays the goods displayed here to the clerk here or answers verbally. Further, when the clerk requests (4) a request for payment of a bill consisting of paper, such as a utility bill, a bar code reader connected to the electronic cash register device E, an OCR
An input unit 23 including an optical reading device such as the above reads a claim written in a document. (5) The customer pays the total amount related to all the above product purchases. (6) When all of the above operations are completed, the clerk operates the input unit 23.
Press the transaction end button provided in. (7) When it is necessary to issue various service tickets as service products, the output unit 4 of the Internet information processing machine A prints various service tickets such as entrance tickets and traffic tickets. Thereafter, the main control unit 2 of the Internet information processor A
Notifies the system of the management center X that all transactions have been completed through the communication control unit 5. Finally, the management center system recognizes that the transaction has been completed, and a record of transaction completion is written to the database system. With the above operations, the flow relating to a series of transactions is completed.

[0025]

According to the present invention, problems associated with Internet commerce, that is, problems such as payment of an order and delivery of goods can be solved. In particular, the ability to settle service products that do not require the delivery of goods, and the fact that the identity verification method does not require the identification of the identity of the individual with a non-settlement card, etc. It seems to contribute. Further, according to the present invention, advertisements on the Internet can be effectively performed, and the user can easily obtain necessary homepage information. As one application, visitors can easily obtain information on participating companies at event venues. Alternatively, provision of information such as regional information (maps, guidance) of the installation location of the aircraft may be considered as an application. Further, since the configuration is such that the device operates in conjunction with another existing device, various methods of using the device while supplementing the function of the device can be considered.

[Brief description of the drawings]

FIG. 1 is a schematic diagram illustrating the configuration of the present invention.

FIG. 2 is a configuration block diagram of the first invention.

FIG. 3 is a configuration block diagram of a second invention.

FIG. 4 is a configuration block diagram of a third invention.

FIG. 5 is a configuration block diagram of a fourth invention.

FIG. 6 is a configuration block diagram of a fifth invention.

[Explanation of symbols]

 A: Internet information processing machine B: Internet commerce payment machine C: Electronic locker D: Vending machine E: Electronic cash register device X: Management center a: Various input media b: Receipt, service ticket, etc. c: Cash 1 Display unit 2 Main control unit 3 Input unit 4 Output unit 5 Communication control unit 6 Payment unit 7 Connection unit 8 Connection unit 9 Storage box 10 Electronic lock 11 Display lamp 12 Control unit DESCRIPTION OF SYMBOLS 13 ... Connection part 14 ... Connection part 15 ... Control part 16 ... Price settlement part 17 ... Product storage part 18 ... Product reception port 19 ... Connection part 20 ... Connection part 21 ... Price settlement part 22 ... Control part 23 ... Input part 24 ... Display unit 31 Card reader 32 Keyboard 33 Optical reader 34 Wireless receiver

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Claims (6)

[Claims] 1. A display means for displaying a home page of the Internet and contents of a commercial transaction on the Internet, an input means for performing user authentication, an embeddable output means for outputting various documents relating to the transaction, and a communication line. A device consisting of a communication control unit capable of transmitting and receiving data to and from an external computer center via the Internet, and a function of distributing Internet information from the management center computer to the front display means or the information device terminal on the user side based on the operation of this machine An Internet information processing mechanism having a configuration including: 2. An internet information processing and commercial transaction payment machine mechanism, wherein the internet information processing apparatus according to claim 1 is provided with a payment means for performing settlement of an internet commercial transaction price. 3. An electronic information locker for storing an article for electronically opening a key, and an internet information processing apparatus having a configuration in which a connection section is provided in each of the Internet information processing apparatus and the commercial transaction payment machine according to claim 2 and linked together via connection means. And Commerce Payment System. 4. An internet information processing and commercial transaction payment machine mechanism, wherein a connection portion is provided in each of a vending machine and the internet information processing and commercial transaction payment machine according to claim 2, and the interlocking means is connected via coupling means. 5. The Internet information processing apparatus according to claim 1, wherein said electronic information processing apparatus and said electronic cash register apparatus installed at a register counter in a store such as a convenience store are connected via a connecting means. . 6. A customer ID for authenticating a purchaser (user).
2. The internet information processing system according to claim 1, wherein a number of a payment card can be used as a number of a non-payment card, or authentication can be performed without a card.