JP2004005425A - Settlement method by various paying means using subscriber terminal machine for mobile communication - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a settlement method capable of using a credit card/debit card/various types of electronic money by using an accessible device. <P>SOLUTION: The settlement method is characterized by that it comprises a process of authenticating a person to be payed, a process of receiving inputs of a payment sum and a payer name by the subscriber terminal machine in accordance with registered contents of a database, receiving inputs of settlement numbers and expiration dates for various paying means by the subscriber terminal machine if there is no fraudulent input, acquiring a credit line from the database and confirming whether or not the payment sum is within the credit line, a process of displaying the payer name, payment sum, and settlement numbers and expiration dates of the various paying means in the subscriber terminal machine and sending settlement information to a settlement site from the subscriber terminal machine in accordance with a payment operation, and a process of carrying out a settlement ascertaining process between the settlement site and the subscriber terminal machine and displaying completion of settlement in the subscriber terminal machine. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a settlement method using a credit card, a debit card, and various types of electronic money using a mobile communication system represented by a mobile phone.
[0002]
[Prior art]
Credit cards and debit cards have become widespread among consumers nowadays, and it has become possible to pay by card at convenience stores and the like. As a settlement method, a method of passing a credit card through a card reader dedicated to settlement installed in a store is generally used. In addition, as in the case of credit card payment, a method of passing the card through a card reader dedicated to payment is also used for the debit card, and at present, the use of the debit card is not available at stores without a card reader.
[0003]
[Problems to be solved by the invention]
As described above, in the current situation, even if you have a credit card, debit card, and various types of electronic money, you can not use it without a payment terminal provided at the store, for example, you can easily use a credit card / debit card You cannot use electronic money as a payment method.
[0004]
The present invention has been made to solve this problem, and proposes a settlement method that allows a credit card, a debit card, and various types of electronic money to be used more easily by using familiar devices.
[0005]
[Means for Solving the Problems]
According to the present invention, there is provided a settlement method by various payment means using a subscriber terminal of a mobile communication system connectable to the Internet, wherein a call is made from the subscriber terminal to communicate with a database and communicate with a database. Performing the authentication, displaying the screen on the subscriber terminal according to the registered contents of the database, accepting at least the input of the payment amount and the payer name at the subscriber terminal, and confirming whether the input contents are correct or not. And receiving the payment number and expiration date of the various payment means at the subscriber terminal if there is no fraudulent input, and obtains a usage limit from the database based on the input content. A step of checking whether the payment amount is within the usage limit; and, if the payment amount is within the usage limit, at least the payer name, the payment amount, and the various payers. Displaying the payment number and the expiration date of the payment on the subscriber terminal, transmitting the payment information from the subscriber terminal to the payment site in accordance with the payment operation corresponding thereto, and performing various operations from the payment site receiving the payment information. A process of requesting authentication by communicating with a management company of a payment means, and when authentication is successfully performed, executing a payment confirmation process between the payment site and the subscriber terminal, and performing payment with the subscriber terminal. A settlement method comprising the step of indicating completion.
[0006]
In the settlement method in this method, a payer (payee) side, for example, an employee of a home delivery pizza shop or a taxi company individually has a user ID and a password, and the payer or payee side subscribes. By using the client terminal to authenticate the payee, payment by various payment means can be completed at the delivery destination or in the vehicle. As various payment means, various electronic money such as a debit card and a prepaid card can be used in addition to a credit card.
[0007]
A settlement method using various payment means using an adapter connected to an extension terminal of a subscriber terminal of a mobile communication system connectable to the Internet. Calls and communicates with the database, displays a screen on the adapter-added subscriber terminal according to the adapter-specific registration contents in the database, and accepts at least the payment amount and the payer name input on the adapter-added subscriber terminal. Receiving the input of the settlement number and the expiration date of various payment means at the adapter-added subscriber terminal, and checking the input content for invalidity if there is no unauthorized input, and based on the input content, Obtaining a credit limit from a database and checking whether the payment amount is within the credit limit; Is within the usage limit, at least the payer name, the payment amount, the payment number of the various payment means and the expiration date are displayed on the adapter-added subscriber terminal, and the payment is performed according to the payment operation. A step of transmitting payment information from the adapter-added subscriber terminal to the payment site, a step of communicating from the payment site receiving the payment information to a management company of various payment means and requesting authentication, and the authentication succeeds. In this case, a settlement method is proposed in which a settlement confirmation process is performed between the settlement site and the adapter-added entrant terminal, and the completion of settlement is displayed on the adapter-added entrant terminal.
[0008]
Since the adapter in this method is a small one with a built-in microcomputer, it can be easily carried by a receiving company (payee), for example, an employee of a pizza delivery company or a taxi company, in a pocket or the like. . If an adapter is provided, payment can be made by various payment means at a delivery destination or in a vehicle using a subscriber terminal of the payer or the payee.
[0009]
In such a payment method using various payment means, when the payment amount and the payer name are input at the terminal device with the adapter, the contact information of the payer is also input for confirmation, and the input is also illegal. It is recommended that a method be used to check whether there are any characters that cannot be entered (for example, the number of digits is large). As such contact information, a mail address and a telephone number (fixed telephone / mobile telephone) can be used. If this contact information is confirmed, applications such as contacting the personal confirmation from the management company of various payment means to the contact later can be applied. Further, when the contact information is a telephone number, it is also possible to make an inquiry to a database to confirm whether or not the number is an existing number at the time of illegal input confirmation.
[0010]
In the settlement method of the present invention, in the process of confirming whether the payment amount is within the usage limit amount, the payee limit amount given to the payee (in the case of a chain store or the like, it is better to set for each store), Retrieve the number limit for the settlement number of each payment method, the employee limit for the employees belonging to the store, or the adapter limit for the adapter from the database. It is possible to perform a process for individually confirming whether or not each limit is exceeded. These limits may be set to any limit per use, but more preferably, the database is queried for the amount of payment that has been successful within the aggregation period specified for each limit, and It is preferable to perform a process of checking whether the total amount of each of the total settlement amount and the payment amount does not exceed the corresponding limit. The totaling period of each limit can be determined, for example, such that the payee limit and the number limit are every month, and the employee limit or the adapter limit is every day. In this case, for the payee limit and the number limit, the successful settlement amount from the first day of the month to the day is totaled, and for the employee limit or the adapter limit, the successful settlement amount up to the present day of the day is totaled. Setting the counting period in this way is more effective in preventing crime such as fraud. In other words, if you set a limit for each time, if you keep the limit for one time, you can repeat the settlement as many times as possible, so in order to prevent this, set the limit for each month or day. Good to put.
[0011]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, a specific example of a processing process when a credit card is used will be described with reference to a display screen of a subscriber terminal. FIGS. 1 and 2 show flowcharts of processing as viewed from the subscriber terminal side, and screens displayed on the terminal in the process are shown in FIGS.
[0012]
Embodiment 1
Hereinafter, a specific example of the process will be described. First, a subscriber terminal connects to a specific URL (Uniform Resource Locator) via the Internet ... step 101. Then, enter the user ID and password ... step 102. The input user ID and password are subjected to an authentication operation in a database (DB), and if a user ID is registered, a store ID and an employee ID associated with the user ID are obtained. ... Steps 103 and 104. The user ID is registered in the database in association with a store ID for managing store information and an employee ID for managing information on employees belonging to the store. In addition to a fixed password registered in advance, a one-time password can be used. In this case, since the password is thrown away once each time, even if the password is stolen, the same password cannot be used twice, so that the security strength can be increased.
[0013]
If it is determined by the authentication work that the user ID is not registered in the DB, the process is terminated at this point ... Step 105. If there is a registration in the DB, a payee-specific store name and image are prepared according to the store ID acquired from the DB ... step 106. Next, a description of the processing to be performed is displayed as a top page together with a logo and the like, and, in this example, a telephone number, a credit card holder name (a credit card holder name) as payment amount and contact information of the payer (= credit card holder). Display an input form screen of (first and last name) ... Step 107. FIG. 3 shows an example of a screen displayed on the subscriber terminal in step 107.
[0014]
According to the screen display, the payee first inputs the amount of payment, then hands the subscriber terminal to the payer, and allows the user to input the telephone number of the contact and the name of the credit card holder. When the return button (displayed as “Next” in the figure) on the screen is clicked after the entry is completed, it is checked whether the entry is correct, for example, if it is entered in one-byte alphanumeric characters or an invalid symbol is used. A confirmation is made as to whether the telephone number has been entered, whether the telephone number is unnatural, etc .... Step 108. As a result, if the input content is invalid, an error is displayed ... Step 109, and the process returns to Step 107 again and starts over. The error message at this time is "Your name is invalid. Please re-enter.""The phone number is incorrect. Please re-enter.""The amount is incorrect. Please re-enter. And so on.
[0015]
On the other hand, if there is no mistake in the input contents, a unique character string is generated (that is, encrypted) for each server of the settlement site and used as the shopping ID, and the input contents are recorded in the DB together with the store ID and the employee ID ... Step 110 . Then, a program code, a shopping ID, a payment amount, a product name, an additional item, and a URL with a flag for only authentication are generated, an inquiry is made to the server of the settlement site, and an internal management number is obtained ... step 111. The “program code” is a trader ID assigned to the trader of the settlement software from the settlement site, and the “article name” is an arbitrary character string (such as a trader name) defined in the communication specification of the settlement site. The "additional item" is a character string for internal processing that is passed when a problem occurs to facilitate its discovery.
[0016]
When the internal management number is obtained, an input form screen for inputting the credit card number and the expiration date is displayed together with the payment amount entered earlier ... step 112. FIG. 4 shows the input form displayed in step 112. In this example, the payer's name and payment amount are displayed in the upper part according to the input contents, and the credit card number is displayed below the payer's name. An input field and an input field for an expiration date are displayed. The expiration date is a selection type in this example.
[0017]
When the return button (the button labeled "Next") is clicked after the entry is completed, the store credit limit = payee limit, and the employee Use limit = employee limit, card number use limit = number limit acquired from DB ... step 113. In the case of this example, the payee limit and the number limit are determined based on the total usage amount in January, and the employee limit is determined based on the total usage amount in one day. At this time, if a limit exception that has not timed out is set in the DB, that limit is given priority. For example, if a campaign has specially raised payee or employee caps (limit exceptions), if it is during the campaign period (no timeout), Give priority to the forehead exception.
[0018]
Subsequent to the acquisition of these limits, the payable limit for the store and the number limit for the credit card number are successful from the first day of the month to the day (the settlement completion flag is set). Is inquired to the DB, and as for the employee limit for the employees belonging to the store, the settlement amount that has been successful up to the present day of the day is inquired to the DB and totaled. Then, the total amount is calculated by adding the payment amount to each of the total settlement amounts ... Step 114.
[0019]
Subsequently, a comparison is made for each limit to determine whether the calculated totals do not exceed the payee limit, the number limit, or the employee limit ... step 115. If any limit is exceeded, the credit card number and expiration date are stored in the DB as well as the type of the exceeded limit, that is, whether the limit exceeded the payee limit, the number limit, or the employee limit. Then, an error message is displayed on the settlement site and the process returns to step 112 ... step 116. On the other hand, if none of the limits is exceeded, a confirmation screen for the name, telephone number, payment amount, credit card number and expiration date is displayed ... step 117. The confirmation screen displayed on the subscriber terminal in this step 117 is shown in FIG. If an error occurs in step 116, an error display screen shown in FIG. 5B is displayed on the settlement site side.
[0020]
In step 117, a confirmation screen is displayed. When a return button (displayed as a "payment" button) in the screen is clicked as a payment operation, the payment is transmitted to the settlement site, and the credit card holder name, telephone The number, payment amount, credit card number, expiration date and the internal management number obtained in step 111 are passed to the user ... step 118. It is desirable that the communication at this time be performed by SSL (Secure Sockets Layer).
[0021]
When the payment information including these necessary items is passed to the payment site ... step 119, authentication is performed from the payment site to the card company ... step 120, and if the authentication is successful, processing returns from the payment site ... step 121. At this time, if the card number is fictitious, the card number is rejected. In this case, the error screen of FIG. 6 is displayed on the settlement site.
[0022]
Although the settlement processing in steps 116 to 121 is performed once by passing the processing to the settlement site, the settlement processing itself may be performed in the present system without separating the system from the settlement site. .
[0023]
After passing the payment information in step 118, the subscriber terminal asks the payment site after a predetermined time (for example, 30 seconds) whether payment is possible ... step 122, determines whether "OK" is returned. Yes ... step 123. If "OK" does not return, check whether the failure is the first time .... Step 124, if it is the first time, wait for a predetermined time (about 30 seconds), and request the user to execute the payment operation again. Yes ... step 125. If it is not the first time in step 124, an error is displayed to interrupt the processing because authentication is not possible, the details of the error are recorded in the DB, and the processing ends ... step 126. By recording the details of this error in the DB, it is possible to perform processing so as not to accept the same credit card number thereafter.
[0024]
If "OK" is returned in step 123, settlement confirmation processing is performed with the settlement site ... step 127, and it is monitored whether "OK" is returned ... step 128. If "OK" does not return, the process from step 124 is executed. If "OK" returns, an inquiry is made to the DB as to whether or not the payment has already been completed ... step 129. This is a countermeasure in the case where the browser back operation (operation of the “return” button) is performed on the subscriber terminal. If not completed (the completion flag is not set) ... Step 130, a flag indicating the completion of the settlement is set in the DB, and the completion of the settlement is marked ... Step 131. This flag is an index when totaling the successful settlement amounts for each card number.
[0025]
Subsequently, a store name and an e-mail address are acquired ... Step 132, and an e-mail to the effect that the settlement has been completed is delivered to the e-mail address, that is, to the payee ... Step 133. Then, a payment completion screen displaying the store name and the payment amount is displayed on the terminal screen, and the process ends ... Step 134. If it is confirmed in step 130 that the payment has already been completed (the completion flag has been set), the flow jumps to step 134 to display a payment completion screen displaying the store name and the payment amount, and ends. .
[0026]
FIG. 7 shows the screen display in step 134, and FIG. 8 shows the mail contents transmitted to the payee in step 133.
[0027]
Embodiment 2
As another embodiment, a settlement method by a credit card using an adapter will be described. First, an adapter is inserted into an extension terminal of a subscriber terminal of a mobile communication system such as a mobile phone. Then, the microcomputer incorporated in the adapter is activated, automatically calls out from the subscriber terminal via the Internet, and connects to the URL specified in advance ... Step 201. Then, by decomposing the URL, an adapter-specific SSID (Service Set Identification) is obtained ... Step 202, and based on the SSID, a payee ID assigned to the payee who is the owner of the adapter is obtained. An inquiry is made to obtain the adapter ID given to the adapter itself from the database (DB) of the currently connected URL ... step 203. If the payee has a plurality of stores, the payee ID is preferably registered as a store ID for each store. In this example, a store ID and an adapter ID assigned to an adapter for each store are set.
[0028]
Subsequently, it is confirmed whether or not the SSID is registered in the DB ... Step 204, and if not, the process is terminated at this point ... Step 205. If registered in the DB, a payee-specific store name and image are prepared in accordance with the unique information received from the DB based on the store ID ... step 206. Next, a description of the processing to be performed is displayed as a top page together with a logo and the like, and, in this example, a telephone number, a credit card holder name (a credit card holder name) as payment amount and contact information of the payer (= credit card holder). Display an input form screen for first name and last name ... step 207. FIG. 3 shows a screen displayed on the adapter-added entry terminal in this step 207.
[0029]
According to the screen display, the payee first inputs the payment amount, and then hands the adapter-added entry terminal to the payer, and allows the user to input the telephone number of the contact and the name of the credit card holder. When the return button (displayed as “Next” in the figure) on the screen is clicked after the entry is completed, the entered information is checked for incorrectness, for example, it is entered in one-byte alphanumeric characters or an invalid symbol is used. A confirmation is made as to whether the telephone number has been entered, whether the telephone number is unnatural, etc .... Step 208. As a result, if the input content is incorrect, an error is displayed ... step 209, and the process returns to step 207 again and starts over. The error message at this time is "Your name is invalid. Please re-enter.""The phone number is incorrect. Please re-enter.""The amount is incorrect. Please re-enter. And so on.
[0030]
On the other hand, if there is no mistake in the input contents, a unique character string is generated for each server of the settlement site (that is, encrypted) and used as the shopping ID, and the input contents are recorded in the DB together with the store ID and the adapter ID ... step 210. Then, a program code, a shopping ID, a payment amount, a product name, an additional item, and a URL with a flag for only authentication are generated, an inquiry is made to the server of the settlement site, and an internal management number is obtained ... step 211. The “program code” is a trader ID assigned to the trader of the settlement software from the settlement site, and the “article name” is an arbitrary character string (such as a trader name) defined in the communication specification of the settlement site. The "additional item" is a character string for internal processing that is passed when a problem occurs to facilitate its discovery.
[0031]
When the internal management number is obtained, an input form screen for inputting the credit card number and the expiration date is displayed together with the payment amount entered earlier ... step 212. FIG. 4 shows the input form displayed in step 212. In this example, the payer's name and the amount of payment are displayed in the upper part according to the input contents, and the credit card number of the payer is displayed below the payer's name. An input field and an input field for an expiration date are displayed. The expiration date is a selection type in this example.
[0032]
When the return button (“Next” button) is clicked after the entry is completed, the store credit limit = payee limit, adapter credit limit = Acquisition of adapter limit and card number usage limit = number limit from DB ... step 213. In the case of this example, the payee limit and the number limit are determined based on the total usage amount in January, and the adapter limit is determined based on the total usage amount in one day. At this time, if a limit exception that has not timed out is set in the DB, that limit is given priority. For example, if a campaign raises the payee limit or adapter limit specifically (limit exceptions), if it is during the campaign period (no timeout), the limit Give priority to exceptions.
[0033]
Subsequent to the acquisition of these limits, the payable limit for the store and the number limit for the credit card number are successful from the first day of the month to the day (the settlement completion flag is set). The total amount of the adapter limit for the adapter is inquired to the DB for the settlement amount that has been successful up to the current day. Then, the total amount is calculated by adding the payment amount to each total settlement amount ... Step 214.
[0034]
Subsequently, a comparison is made for each limit to determine whether each of the calculated totals does not exceed the payee limit, the number limit, or the adapter limit ... step 215. If any of the limits are exceeded, the credit card number and expiration date are stored in the DB, along with the type of the exceeded limit, that is, whether the limit exceeded the payee limit, the number limit, or the adapter limit. Then, an error is displayed on the settlement site, and the process returns to step 212 ... step 216. On the other hand, if none of the limits is exceeded, a confirmation screen for the name, telephone number, payment amount, credit card number, expiration date is displayed ... Step 217. FIG. 5A shows a confirmation screen displayed on the adapter-added entry terminal in step 217. If an error occurs in step 216, an error display screen shown in FIG. 5B is displayed on the settlement site side.
[0035]
In step 217, a confirmation screen is displayed. When a return button (displayed as a "payment" button) in the screen is clicked as a payment operation, the payment is transmitted to the settlement site, and the credit card holder name, telephone The number, the payment amount, the credit card number, the expiration date, and the internal management number acquired in step 211 are passed ... step 218. It is desirable that the communication at this time be performed by SSL (Secure Sockets Layer).
[0036]
When the payment information including these necessary items is passed to the payment site ... Step 219, authentication is performed from the payment site to the card company ... Step 220, and if the authentication is successful, the process returns from the payment site ... Step 221. At this time, if the card number is fictitious, the card number is rejected. In this case, the error screen of FIG. 6 is displayed on the settlement site.
[0037]
After passing the payment information in step 218, the adapter-added entry terminal asks the payment site after a predetermined time (for example, 30 seconds) whether payment is possible ... step 222, whether "OK" is returned Is determined ... Step 223. If "OK" does not return, check whether the failure is the first time. Step 224. If the failure is the first time, wait a predetermined time (about 30 seconds) and request the user to execute the payment operation again. Yes ... step 225. If it is not the first time in step 224, an error is displayed to interrupt the processing because authentication is not possible, the details of the error are recorded in the DB, and the process ends ... step 226. By recording the details of this error in the DB, it is possible to perform processing so as not to accept the same credit card number thereafter.
[0038]
If "OK" is returned in step 223, settlement confirmation processing is performed with the settlement site ... step 227, and it is monitored whether "OK" is returned ... step 228. If "OK" does not return, the process from step 224 is executed, and if "OK" returns, an inquiry is made to the DB as to whether or not the payment has already been completed ... step 229. This is a countermeasure in the case where the browser back operation (operation of the “back” button) is performed on the adapter-added entrance terminal. If not completed (the completion flag is not set) ... Step 230, a flag indicating the completion of payment is set in the DB to mark the completion of payment ... Step 231. This flag is an index when totaling the successful settlement amounts for each card number.
[0039]
Then, a store name and a mail address uniquely set to the adapter are acquired ... Step 232, and a mail to the effect that the payment has been completed is delivered to the mail address, that is, to the payee ... Step 233. Then, a payment completion screen displaying the store name and the payment amount is displayed on the terminal screen, and the process ends ... Step 234. If it is confirmed in step 230 that the payment has already been completed (the completion flag has been set), the flow jumps to step 234 to display a payment completion screen displaying the store name and the payment amount, and ends. .
[0040]
FIG. 7 shows the screen display in step 234, and FIG. 8 shows the contents of the mail transmitted to the payee in step 233.
[0041]
In the above settlement method, it is also possible to collect a deposit from the payee in advance in order to prevent fraud. It is preferable that the remittance from the settlement site operator to the payee be a contract made after payment from the payer, that is, the credit card holder actually occurs. Also, by using an adapter, the trouble of inputting a user ID and a password at the subscriber terminal can be omitted, and by adding a card reader function to the adapter, information other than the information of the credit card holder using the subscriber terminal can be obtained. Alternatively, information read from a credit card can be added.
[0042]
Embodiment 3
In the first and second embodiments, a description is given of the case where a credit card is used, but the settlement using a debit card / various electronic money, which is another settlement means, will be described. For example, if the prepaid type is used as electronic money, the payer inputs the settlement number described in the prepaid card possessed in the process of inputting the credit card number in the processing in the first or second embodiment. I do. At this time, inputting the payer's name and telephone number is the same as in the first and second embodiments. However, usually, when using this kind of prepaid card, it is rare to disclose its own information, so that it is omitted, and only the payment dedicated number may be entered. After the input, the process is the same as that in the case of using the credit card in the first or second embodiment. The payment process of the payee and the payment process of the prepaid card are performed (not shown), and the payment is completed.
[0043]
Also, when a debit card is used, as in the case of using the prepaid card, in the case of inputting a credit card number in the first or second embodiment, the number of the cash card of the own financial institution is input. At this time, when using a credit card, a name and a telephone number are input as payer information. However, it is also possible to input a personal identification number in accordance with a normal use form of a debit card. Regarding the processing after the input, the payment processing of the payee and the payment processing of the debit card are performed (not shown) as in the first or second embodiment, and the payment is completed.
[0044]
For the convenience of the payer, for example, in the screens shown in Step 107 in FIG. 1 and Step 207 in FIG. 9 (screens as shown in FIG. 4), the payer is provided with a credit card, a debit card, various You may make it select which one of electronic money is used.
[0045]
【The invention's effect】
According to the settlement method of the present invention, it becomes possible to perform settlement with a credit card, a debit card, and various kinds of electronic money simply by using a mobile communication subscriber terminal such as a mobile phone, thereby greatly increasing the chance of using a card. Can be spread out.
[Brief description of the drawings]
FIG. 1 is a flowchart illustrating a process performed by a subscriber terminal according to the present invention.
FIG. 2 is a flowchart following FIG. 1;
FIG. 3 is a view showing a screen displayed when a payment amount and a credit card holder name are input at the subscriber terminal.
FIG. 4 is a diagram showing a screen displayed when a credit card number and an expiration date are input on the subscriber terminal.
FIG. 5 is a view showing a screen displayed when a payment operation is executed after confirming a payment amount or the like in a subscriber terminal, and an error screen displayed on a settlement site when a usage limit is exceeded.
FIG. 6 is a diagram showing an error screen displayed on a settlement site when authentication by a card company has failed.
FIG. 7 is a diagram illustrating a screen displayed when payment is completed in the subscriber terminal.
FIG. 8 is a diagram showing an e-mail sent to a payee after the settlement is completed.
FIG. 9 is a flowchart illustrating a process performed by a subscriber terminal into which an adapter according to the second embodiment of the present invention is inserted.
FIG. 10 is a flowchart following FIG. 9;

Claims (16)

A settlement method by various payment means using a subscriber terminal of a mobile communication system connectable to the Internet,
Making a call from the subscriber terminal, communicating with the database, and authenticating the payee,
Performing a screen display on the subscriber terminal according to the registered contents of the database, accepting at least the input of the payment amount and the payer name at the subscriber terminal, and confirming whether the input contents are correct or not;
If there is no unauthorized entry, the subscriber terminal receives the payment number and the expiration date of the various payment means, and obtains the usage limit from the database based on the input content, and the payment amount is within the usage limit. Whether to check whether
When the payment amount is within the usage limit, at least the payer name, the payment amount, the settlement number of the various payment means and the expiration date are displayed on the subscriber terminal, and according to the payment operation corresponding thereto. Transmitting payment information from the subscriber terminal to the payment site;
A step of requesting authentication by communicating from the payment site receiving the payment information to a management company of various payment means;
If the authentication is successful, a settlement confirmation process is executed between the settlement site and the subscriber terminal, and the completion of settlement is displayed on the subscriber terminal. 2. The settlement method according to claim 1, wherein authentication of the payee is performed using a user ID and a password. 3. The settlement method according to claim 2, wherein the user ID is associated with store-specific information of the payee and employee information belonging to the store and registered in the database. 2. The settlement method according to claim 1, wherein the various payment means is a credit card, a debit card, or various electronic money. 2. The settlement method according to claim 1, wherein the settlement number of the various payment means is a credit card number, a debit card number, or an electronic money number. 2. The settlement method according to claim 1, wherein when the payment amount and the payer name are input at the subscriber terminal, the contact information of the payer is also input. In the process of checking whether the payment amount is within the usage limit, the payee limit given to the payee, the settlement limit given to various payment means, the employee limit given to the employee 2. The settlement method according to claim 1, wherein the amount is obtained from a database, and it is confirmed whether the payment amount does not exceed each of the limit amounts. The settlement amount succeeded within the aggregation period determined for each limit amount is queried to the database and totalized for each of the limit amounts, and the total amount of each of the aggregated settlement amount and payment amount is the corresponding limit amount. 8. The settlement method according to claim 7, wherein it is checked whether the number does not exceed the number. A payment method by various payment means using an adapter connected to an extension terminal in a subscriber terminal of a mobile communication system connectable to the Internet,
By connecting the adapter, a call is made from the subscriber terminal to communicate with the database, a screen is displayed on the adapter-added subscriber terminal according to the adapter-specific registration contents in the database, and at least the payment amount and the payer Accepting the input of the name at the adapter-added subscriber terminal, and confirming whether the input content is correct,
If there is no unauthorized input, the input of the settlement number and the expiration date of various payment means is received by the adapter-added subscriber terminal, and the usage limit is obtained from the database based on the input contents, and the payment amount is used. The process of checking if the amount is within the limit,
When the payment amount is within the usage limit, at least the payer name, the payment amount, the settlement number of the various payment means and the expiration date are displayed on the adapter-added subscriber terminal, and the corresponding payment is made. Transmitting payment information from the adapter-added subscriber terminal to a payment site according to an operation;
A step of requesting authentication by communicating from the payment site receiving the payment information to a management company of various payment means;
If the authentication is successful, a settlement confirmation process is executed between the settlement site and the adapter-added entrant terminal, and the settlement completion is displayed on the adapter-added entrant terminal. The settlement method according to claim 9, wherein the various payment means is a credit card, a debit card, or various electronic money. 10. The settlement method according to claim 9, wherein the settlement number of the various payment means is a credit card number, a debit card number, or an electronic money number. 10. The settlement method according to claim 9, wherein when the payment amount and the payer name are input at the terminal with the adapter added, the contact information of the payer is also input. 13. The settlement method according to claim 12, wherein the contact information is a telephone number. 14. The settlement method according to claim 13, wherein when confirming the unauthorized input, the inquiry is made to a database to confirm whether or not the telephone number exists. In the process of confirming whether the payment amount is within the usage limit, the payee limit given to the payee, the number limit given to the settlement number of various payment means, and the number given to the adapter 10. The settlement method according to claim 9, wherein an adapter limit is acquired from a database, and whether the payment amount does not exceed each of the limit amounts is confirmed. The settlement amount succeeded within the aggregation period determined for each limit amount is queried to the database and totalized for each of the limit amounts, and the total amount of each of the aggregated settlement amount and payment amount is the corresponding limit amount. 16. The settlement method according to claim 15, wherein it is determined whether or not the number does not exceed the number.

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