JP2006031401A - Commodity price payment system, commodity price payment method, and commodity price payment program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a commodity price payment system, a commodity price payment method, and a commodity price payment program that allow buying and selling commodities quickly at all times. <P>SOLUTION: Information about a purchaser's ID number, password and payment limit and a seller's ID number are stored. An ID number and a password are obtained from the purchaser's terminal 3 and collated with the ID number and the password stored. The purchaser is requested to input the price of the commodity to be purchased and the purchaser information, which are obtained from the purchaser's terminal 3. Based on the stored information about the payment limit, a determination is made as to whether or not the price of the commodity to be purchased is payable. When it is determined to be payable, the seller's information obtained is collated with the seller's information stored. After information indicating that the price is payable is sent to the seller's terminal 4, information indicating that the commodity has been delivered to the purchaser is obtained from the seller's terminal 4. After the price of the commodity has been paid to the seller, information about its charge is sent to the purchaser's terminal 3. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a merchandise price payment system, a merchandise price payment method, and a merchandise price payment program for paying the price of purchased merchandise via a communication network in which a purchaser terminal and a seller terminal are connected.

  As a conventional product price payment system, a user sends personal authentication data and a store code from a mobile phone to the management center, the management center authenticates and notifies the mobile phone and the store, and receives price information from the mobile phone. In some cases, after obtaining approval from the store, a financial institution is requested to withdraw the product price (see, for example, Patent Document 1).

JP 2002-334288 A

  However, in the commodity price payment system described in Patent Document 1, even if the user has the ability to pay, when there is no balance in the account of the financial institution, the commodity price cannot be withdrawn, so payment cannot be made, and the commodity cannot be bought or sold. There was a problem. For this reason, the user of the lump sum or postpayment system for payment by credit card is not convenient.

  The present invention has been made paying attention to such problems, and an object thereof is to provide a commodity price payment system, a commodity price payment method, and a commodity price payment program capable of quickly buying and selling goods. .

  In order to achieve the above object, a product price payment system according to the present invention is a product price payment system for paying for a purchased product via a communication network in which a purchaser terminal and a seller terminal are connected. A purchaser information storage means for storing purchaser information including information relating to a purchaser's identification number, password and payment conditions corresponding to the purchaser terminal; and a seller's identification number corresponding to the seller terminal. Seller information storage means for storing seller information including: identification information acquisition means for acquiring identification number and password identification information from the purchaser terminal; and the purchase of the identification information acquired by the identification information acquisition means. A purchaser verification unit for verifying the identification number and password of the purchaser information stored in the purchaser information storage unit, and an identification number and a verification unit verified by the purchaser verification unit. Input request transmission means for transmitting input request information for requesting the purchaser terminal corresponding to the password to input product purchase information including the price of the purchased product and seller information, and the input request transmission means According to the input request information, product information acquisition means for acquiring the product purchase information from the purchaser terminal, and payment conditions for purchaser information stored in the purchaser information storage means corresponding to the purchaser terminal Based on the information, when it is determined that the payment possible determination means to determine whether the payment of the purchased product of the product purchase information acquired by the product information acquisition means can be paid, and the payment possible determination means is payable, Merchant verification means for verifying merchant information of merchandise purchase information acquired by the merchandise information acquisition means with merchant information stored in the seller information storage means; Payable sending means for sending payable information to the seller terminal corresponding to the seller information matched by the checking means, and purchase corresponding to the purchaser terminal after the payable sending means sends the payable information The delivery information acquisition means for acquiring the product delivery information indicating that the purchased product has been delivered to the person from the seller terminal, and the sale price of the purchased product corresponding to the product delivery information acquired by the delivery information acquisition means After payment to the seller corresponding to the buyer terminal, the billing terminal has a charge bill sending means for sending billing information of the bill to the buyer terminal.

  The product price payment method according to the present invention is a product price payment method for paying the price of a purchased product via a communication network in which a purchaser terminal and a seller terminal are connected to the purchaser terminal. A purchaser information storage step for storing purchaser information including information on the corresponding purchaser's identification number, password, and payment condition, and seller information including the seller's identification number corresponding to the seller terminal are stored. The seller information storage step, the identification information acquisition step for acquiring the identification number and password identification information from the purchaser terminal, and the identification information acquired in the identification information acquisition step are stored in the purchaser information storage step. Purchaser verification step for verifying with identification number and password of purchaser information, and identification number and pass verified in purchaser verification step The input request transmitting step for transmitting the input request information for requesting the purchaser terminal corresponding to the command to input the product purchase information including the price of the purchased product and the seller information, and the input request transmitting step. In accordance with the input request information, the product information acquisition step for acquiring the product purchase information from the purchaser terminal, and the payment condition of the purchaser information stored in the purchaser information storage step corresponding to the purchaser terminal Based on the information regarding, when it is determined that the payment possible determination step of determining whether or not the payment of the purchased product of the product purchase information acquired in the product information acquisition step is payable, and the payment possible determination step is payable The seller information of the product purchase information acquired in the product information acquisition step is collated with the seller information stored in the seller information storage step. The seller verification step, the payable transmission step for transmitting the payable information to the seller terminal corresponding to the seller information verified in the seller verification step, and the payable transmission step for transmitting the payable information. Thereafter, in the delivery information acquisition step of acquiring from the seller terminal the product delivery information indicating that the purchased product has been delivered to the purchaser corresponding to the purchaser terminal, and the product delivery information acquired in the delivery information acquisition step A payment request sending step of sending billing information of the price to the purchaser terminal after paying the corresponding purchase merchandise to the seller corresponding to the seller terminal.

  The product price payment program according to the present invention is a product price payment program for paying the price of a purchased product via a communication network in which a purchaser terminal and a seller terminal are connected. Purchaser information storage means for storing purchaser information including information relating to a purchaser's identification number corresponding to the terminal, password and payable conditions, and seller information including the seller's identification number corresponding to the seller terminal The seller information storage means, the identification information acquisition means for acquiring the identification number and password identification information from the purchaser terminal, the purchase information stored in the purchaser information storage means the identification information acquired by the identification information acquisition means Purchaser verification means for verifying the identification number and password of the buyer information, and the identification number and password verified by the purchaser verification means. Input request transmitting means for transmitting input request information for requesting the purchaser terminal to input product purchase information including the price of the purchased product and seller information, and input request information transmitted by the input request transmitting means. In response, based on information related to payment conditions of purchaser information stored in the purchaser information storage unit corresponding to the purchaser information, product information acquisition means for acquiring the product purchase information from the purchaser terminal, Payable determination means for determining whether or not the price of the purchased product of the product purchase information acquired by the product information acquisition means can be paid, and when the payment possible determination means determines that payment is possible, the product information acquisition means Seller verification means for verifying the seller information of the acquired product purchase information with the seller information stored in the seller information storage means, the sales verified by the seller verification means Payable sending means for sending payable information to the seller terminal corresponding to the seller information, and after the payable sending means has sent the payable information, the purchased product is delivered to the purchaser corresponding to the purchaser terminal The delivery information acquisition means for acquiring the product delivery information to the effect from the seller terminal, the payment of the purchased product corresponding to the product delivery information acquired by the delivery information acquisition means is paid to the seller corresponding to the seller terminal After that, it is made to function as a charge request transmitting means for transmitting the charge request information to the purchaser terminal.

  The commodity price payment system, the commodity price payment method, and the commodity price payment program according to the present invention determine whether or not payment is possible based on information relating to the payable conditions of the purchaser stored in advance, and the payable information is sent to the seller terminal. Therefore, the product can be delivered quickly. In addition, after the product delivery information of the product is acquired from the seller terminal, the product price is paid to the seller, so that the product price can be quickly paid. Thus, even when there is no balance in the account of the user's financial institution, the product can be paid and the product can be bought and sold at any time.

  Since buying and selling is performed by obtaining the purchaser's identification number and password from the purchaser terminal and comparing them with those stored in advance, safety is higher than when buying and selling with a credit card or debit card. In addition, it is not necessary to place a credit card or debit card reader at the store, or to pay the card usage fee to the card company.

  The payable condition consists of information such as a limit amount. In addition, a condition such as installment payment or lump sum payment may be set in advance in the payable condition, and the purchaser may be able to select a payment method. The payment to the seller of the purchased product and the purchaser's payment for the billing information may be any payment method such as direct debit or bank transfer.

  In the commodity price payment system, the commodity price payment method, and the commodity price payment program according to the present invention, the purchaser terminal comprises a mobile phone, and the purchaser identification number corresponding to the purchaser terminal is derived from the telephone number of the mobile phone. Preferably it consists of: In this case, it is possible to easily purchase a product using a mobile phone that is usually carried around. In addition, merchandise can be purchased at the store regardless of cash or credit cards. Purchasers and dealers do not need to make new capital investments, and can be implemented at low cost.

  According to the present invention, it is possible to provide a product price payment system, a product price payment method, and a product price payment program capable of quickly buying and selling products.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
1 to 3 show a commodity price payment system according to an embodiment of the present invention. The commodity price payment method according to the embodiment of the present invention is a method executed by the commodity price payment system, and is a computer-readable record such as a hard disk, a CD-ROM, or a flexible disk in which the commodity price payment program is recorded. It can be executed by a computer using a medium.

  As shown in FIG. 1, a product price payment system server 2, a purchaser terminal 3, and a seller terminal 4 are connected to a communication network 1 such as the Internet via a telephone line. The server 2 is operated by an intermediary, a financial institution, a credit card company, or the like. The purchaser terminal 3 includes a mobile phone 3a or a fixed subscriber phone 3b, and the seller terminal 4 includes a mobile phone 4a, a credit card or debit card reader 4b, or a fixed subscriber phone 4c. The purchaser terminal 3 and the seller terminal 4 may be composed of a personal computer, a personal digital assistant (PDA), or the like.

  As shown in FIG. 2, the server 2 includes a receiving unit 11 that acquires various types of information via the communication network 1, a transmitting unit 12 that transmits various types of information via the communication network 1, and a storage unit that stores various types of files. 13 and a main control unit 14 having a calculation function and a control function. Further, it has input means such as a keyboard and mouse, and output means such as a monitor and a printer.

  The receiving unit 11 is connected to the communication network 1 and includes an identification information acquiring unit 15, a product information acquiring unit 16, and a delivery information acquiring unit 17. The identification information acquisition means 15 is configured to acquire an identification number and a password from the purchaser terminal 3. The product information acquisition unit 16 is configured to acquire the price of the purchased product, the seller identification number, and the payment method from the purchaser terminal 3. The delivery information acquisition means 17 is configured to acquire product delivery information indicating that the purchased product has been delivered to the purchaser from the seller terminal 4.

  The transmission unit 12 is connected to the communication network 1 and includes an input request transmission unit 18, a payable transmission unit 19, and a charge request transmission unit 20. The input request transmitting means 18 is configured to transmit to the purchaser terminal 3 input request information for requesting to input the price of the purchased product, the seller identification number, and the payment method. The payment method includes payment means such as account withdrawal, bank transfer, and postal transfer, and the number of payments such as lump sum payment and installment payment. The payable transmission means 19 is configured to transmit to the seller terminal 4 payable information including the fact that the purchase item can be paid. The charge request transmitting means 20 is configured to transmit to the purchaser terminal 3 charge information of the price of the purchased product paid to the seller. The billing information consists of a bill, a transfer form, or a bank account notification depending on the payment method.

  The storage unit 13 includes a memory and includes a purchaser information storage unit 21 and a seller information storage unit 22. The purchaser information storage means 21 stores information on the purchaser's identification number, password and usage limit corresponding to the purchaser terminal 3. The purchaser's identification number is made up of a mobile phone or a fixed subscriber telephone number. The seller information storage unit 22 stores the identification number of the seller corresponding to the seller terminal 4.

  The main control unit 14 includes a CPU, and is configured to receive data from the receiving unit 11, the storage unit 13, and the input unit, calculate and process the data, and deliver the data to the transmission unit 12, the storage unit 13, and the output unit. The main control unit 14 has a purchaser verification unit 23, a payable determination unit 24, and a seller verification unit 25 as functions. The purchaser verification unit 23 is configured to verify the identification number and password acquired by the identification information acquisition unit 15 with the identification number and password stored in the purchaser information storage unit 21. Based on the information on the payment limit stored in the purchaser information storage unit 21, the payment possible determination unit 24 determines whether or not it is possible to pay for the purchased product of the product purchase information acquired by the product information acquisition unit 16. It is configured to The payable determination means 24 is configured to determine that payment is possible when the price of the purchased product is within the range of the payment limit, and payment is not possible when the price of the purchased product exceeds the payment limit. The seller collation means 25 is configured to collate the seller identification number acquired by the product information acquisition means 16 with the seller identification number stored in the seller information storage means 22.

Next, the processing procedure of the commodity price payment system will be described with reference to FIG.
The server 2 obtains in advance information on the identification number, password, and payment limit of the purchaser who uses the product price payment system from the purchaser terminal 3 (step 31). Similarly, the identification number of the seller who uses the product price payment system is acquired from the seller terminal 4 (step 32). Each acquired information is confirmed and approved, and stored in the purchaser information storage means 21 and the seller information storage means 22 (step 33). The purchaser terminal 3 and the seller terminal 4 are notified that each information has been registered (step 34).

  When purchasing a product, the purchaser transmits an identification number from the purchaser terminal 3 to the server 2 (step 35). The server 2 acquires the identification number from the purchaser terminal 3 by the identification information acquisition unit 15 and collates it with the identification number stored in the purchaser information storage unit 21 by the purchaser verification unit 23 (step 36). After collating the identification numbers, a screen prompting the user to input a password is displayed on the purchaser terminal 3 (step 37). The purchaser inputs the password to the purchaser terminal 3 according to the display (step 38). The server 2 acquires the password from the purchaser terminal 3 by the identification information acquisition unit 15, and collates with the password stored in the purchaser information storage unit 21 corresponding to the identification number collated in step 36 by the purchaser verification unit 23. (Step 39).

  After verifying the password, the input request transmitting means 18 transmits input request information for requesting to input the price of the purchased product, the seller's identification number, and the payment method to the purchaser terminal 3 (step 40). The purchaser inputs each information to the purchaser terminal 3 according to the input request information (step 41). The server 2 acquires each information from the purchaser terminal 3 by the product information acquisition means 16 (step 42). Based on the information on the payment limit stored in the purchaser information storage means 21, the payability determination means 24 determines whether or not the payment for the acquired purchased product can be paid. If it is determined that payment is possible, a purchase number that associates the price of the purchased product, the seller's identification number and the payment method with the purchaser's identification number is assigned. Further, the acquired seller identification number is verified by the seller verification means 25 with the seller identification number stored in the seller information storage means 22 (step 43).

  After the verification of the seller's identification number, the payment of the purchased product, the purchase number, and the payable information indicating that the payment is possible are transmitted to the seller's seller terminal 4 of the verified seller by the payment possible transmission means 19. (Step 44). The seller confirms and approves the payable information (step 45), and delivers the purchased product to the purchaser (step 46). Further, the merchandise delivery information and the purchase number indicating that the purchased merchandise has been delivered to the purchaser are transmitted from the seller terminal 4 to the server 2 (step 47).

  The server 2 acquires the product delivery information and the purchase number from the seller terminal 4 by the delivery information acquisition means 17 (step 48). The price of the purchased product corresponding to the acquired purchase number is paid to the seller corresponding to the purchase number by a method such as account withdrawal or bank transfer (step 49). The purchase number and each piece of information associated therewith are stored in the database as purchase history information (step 50). The charge request transmission means 20 transmits the charge information for the paid purchased product to the purchaser terminal 3 of the purchaser corresponding to the purchase number (step 51). The purchaser pays for the purchased product in accordance with the transmitted billing information (step 52).

  The product price payment system, the product price payment method, and the product price payment program determine whether or not payment is possible based on the information on the purchase limit of the purchaser stored in advance, and send the payment available information to the seller terminal 4 Therefore, the product can be delivered quickly. In addition, after the product delivery information of the product is acquired from the seller terminal 4, the product price is paid to the seller, so that the product price can be quickly paid. Thus, even when there is no balance in the account of the user's financial institution, the product can be paid and the product can be bought and sold at any time.

  Since buying and selling is performed by obtaining the purchaser's identification number and password from the purchaser terminal 3 and comparing them with those stored in advance, safety is higher than when buying and selling with a credit card or debit card. Further, it is possible to easily purchase a product using the mobile phone 3a that is usually carried around. Products can be purchased at stores, regardless of cash or credit cards.

  There is no need to place a new credit card or debit card reader 4b at the store or pay the card company to the card company. Further, the reading device 4b already installed in the store can be used as it is. For this reason, it can be carried out at low cost without the purchaser or the dealer having to newly incur capital investment.

It is explanatory drawing which shows the whole structure of the goods price payment system of embodiment of this invention. It is a block diagram which shows the structure of the server of the goods price payment system shown in FIG. It is a flowchart which shows the process sequence of the goods price payment system shown in FIG.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Communication network 2 Server 3 Purchaser terminal 4 Seller terminal 11 Receiving means 12 Transmission means 13 Storage means 14 Main control part 15 Identification information acquisition means 16 Merchandise information acquisition means 17 Delivery information acquisition means 18 Input request transmission means 19 Payable transmission Means 20 Price Request Transmitting Means 21 Purchaser Information Storage Means 22 Seller Information Storage Means 23 Purchaser Verification Means 24 Payment Acceptance Determination Means 25 Seller Verification Means

Claims (4)

A product price payment system for paying for a purchased product via a communication network to which a buyer terminal and a seller terminal are connected,
Purchaser information storage means for storing purchaser information including information relating to the purchaser's identification number, password and payment conditions corresponding to the purchaser terminal;
Merchant information storage means for storing merchant information including a merchant identification number corresponding to the merchant terminal;
Identification information acquisition means for acquiring identification number and password identification information from the purchaser terminal;
Purchaser verification means for verifying the identification information acquired by the identification information acquisition means with the identification number and password of the purchaser information stored in the purchaser information storage means;
Input request transmission for transmitting input request information for requesting the purchaser terminal corresponding to the identification number and password verified by the purchaser verification means to input product purchase information including the price of the purchased product and seller information Means,
Product information acquisition means for acquiring the product purchase information from the purchaser terminal according to the input request information transmitted by the input request transmission means;
Based on the information regarding the payable conditions of the purchaser information stored in the purchaser information storage unit corresponding to the purchaser terminal, the price of the purchased product of the product purchase information acquired by the product information acquisition unit can be paid A payability determination means for determining whether or not,
Seller collation means for collating the seller information of the merchandise purchase information acquired by the merchandise information acquisition means with the merchant information stored in the merchant information storage means when the payment possible judgment means judges that payment is possible When,
Payable transmission means for transmitting payable information to the seller terminal corresponding to the seller information verified by the seller verification means;
Delivery information acquisition means for acquiring, from the seller terminal, merchandise delivery information indicating that the purchased merchandise has been delivered to the purchaser corresponding to the purchaser terminal after the payable transmission means transmits the payable information;
After paying the seller corresponding to the seller terminal for the price of the purchased product corresponding to the product delivery information acquired by the delivery information acquisition means, a price request for transmitting billing information of the price to the buyer terminal Having transmission means,
A featured product payment system. The purchaser terminal comprises a mobile phone;
The identification number of the purchaser corresponding to the purchaser terminal comprises the phone number of the mobile phone;
The commodity price payment system according to claim 1, wherein: A product price payment method for paying for a purchased product via a communication network connecting a buyer terminal and a seller terminal,
A purchaser information storage step for storing purchaser information including information relating to the purchaser's identification number, password and payment conditions corresponding to the purchaser terminal;
A seller information storing step for storing seller information including an identification number of the seller corresponding to the seller terminal;
An identification information acquisition step of acquiring identification number and password identification information from the purchaser terminal;
A purchaser verification step of verifying the identification information acquired in the identification information acquisition step with the identification number and password of the purchaser information stored in the purchaser information storage step;
Input request transmission for transmitting input request information for requesting the purchaser terminal corresponding to the identification number and password verified in the purchaser verification step to input product purchase information including the price of the purchased product and seller information Steps,
In accordance with the input request information transmitted in the input request transmission step, a product information acquisition step of acquiring the product purchase information from the purchaser terminal;
Based on the information regarding the payment condition of the purchaser information stored in the purchaser information storage step corresponding to the purchaser terminal, the price of the purchased product of the product purchase information acquired in the product information acquisition step can be paid. A payment determination step for determining whether or not,
Seller collation step of collating the seller information of the merchandise purchase information acquired in the merchandise information acquisition step with the merchant information stored in the merchant information storage step when the payable determination step determines that payment is possible When,
A payable sending step for sending payable information to the seller terminal corresponding to the seller information matched in the seller matching step;
A delivery information acquisition step for obtaining from the seller terminal product delivery information indicating that the purchased product has been delivered to a purchaser corresponding to the purchaser terminal after the payment possible transmission step has transmitted the payment available information;
After the payment of the purchased product corresponding to the product delivery information acquired in the delivery information acquisition step is paid to the seller corresponding to the seller terminal, the price request for transmitting the billing information of the price to the buyer terminal Having a sending step,
A featured product payment method. A product price payment program for paying for a purchased product via a communication network that connects a buyer terminal and a seller terminal,
A purchaser information storage means for storing purchaser information including information relating to a purchaser's identification number, password, and payment condition corresponding to the purchaser terminal;
Seller information storage means for storing seller information including the seller identification number corresponding to the seller terminal;
Identification information acquisition means for acquiring identification number and password identification information from the purchaser terminal;
Purchaser verification means for verifying the identification information acquired by the identification information acquisition means with the identification number and password of the purchaser information stored in the purchaser information storage means;
Input request transmission for transmitting input request information for requesting the purchaser terminal corresponding to the identification number and password verified by the purchaser verification means to input product purchase information including the price of the purchased product and seller information means,
Product information acquisition means for acquiring the product purchase information from the purchaser terminal according to the input request information transmitted by the input request transmission means;
Based on the information regarding the payable conditions of the purchaser information stored in the purchaser information storage unit corresponding to the purchaser terminal, the price of the purchased product of the product purchase information acquired by the product information acquisition unit can be paid Payment determination means for determining whether or not,
Seller collation means for collating the seller information of the merchandise purchase information acquired by the merchandise information acquisition means with the merchant information stored in the merchant information storage means when the payment possible judgment means judges that payment is possible ,
Payable transmission means for transmitting payable information to the seller terminal corresponding to the seller information verified by the seller verification means;
Delivery information acquisition means for acquiring, from the seller terminal, merchandise delivery information indicating that the purchased merchandise has been delivered to the purchaser corresponding to the purchaser terminal after the payable transmission means transmits the payable information;
After paying the seller corresponding to the seller terminal for the price of the purchased product corresponding to the product delivery information acquired by the delivery information acquisition means, a price request for transmitting billing information of the price to the buyer terminal As a means of transmission,
Product price payment program to make it function.

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