JP2008262355A - Communication management device and settlement method for price using communication terminal - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a communication management device which can secure security to the personal information of a user without impairing convenience when performing settlement involved in service provision through a communication network and to provide a settlement method of a price using a communication terminal. <P>SOLUTION: A local network management device 4 makes settlement of the communication charge of a communication terminal 2. A payment request reception part 41 of a local network management device 4 receives a settlement request including information showing the content of settlement involved in the service provision from a service providing agent server 6 which has received a request for the service provision, and a storage part 42 stores information showing the content of settlement included in the settlement request received by the settlement request reception part 41 into a recording device 4e, and a settlement content transmission part 43 transmits information showing the content of settlement stored in the storage device 4e by the storage part 42 to the information terminal 2 to request the confirmation of the content of settlement to the communication terminal 2. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a communication management device and a payment method using a communication terminal.

Recently, a system for making an online payment using a credit card has been used. An example of such a system is disclosed in Patent Document 1. In the online shopping system described in Patent Literature 1, a user's desired service is selected from service information transmitted from a store host system to the user's computer system, and the order information of the service is the user's card name. A card number, a password, a payment method, etc. are transmitted from the user's computer system to the store host system. In this way, settlement using a credit card accompanying use of the service is performed.
JP 2006-302111 A

  In such a conventional system using a credit card, personal information such as a credit card number and a personal identification number is transmitted from a user's computer system to a store host system via a communication network such as the Internet. . However, ensuring the security of such personal information is difficult in a store host system. In order to ensure the security of personal information, a payment method in which a user directly transfers a usage fee to a bank using an account transfer sheet is used instead of a payment using a credit card. However, such a settlement method is inconvenient for the user because the user must perform the procedure directly at the bank window.

  Therefore, an object of the present invention is to use a communication management device and a communication terminal that can ensure the security of the personal information of the user without impairing convenience when performing payment associated with service provision via a communication network. It is to provide a settlement method for the price.

  The present invention is a communication management apparatus that manages communication of a communication terminal in a local network to which the communication terminal belongs and settles a communication fee of the communication terminal, and provides a service that receives a service provision request from the communication terminal A payment request receiving means for receiving a payment request including information indicating the contents of the payment accompanying the provision of the service from a merchant server; and the contents of the payment included in the payment request received by the payment request receiving means. Storage means for storing information in a memory, payment content transmission means for transmitting information indicating the content of the payment stored in the memory by the storage means to the communication terminal, and content of the payment by the payment content transmission means Is transmitted to the communication terminal, an instruction receiving means for receiving an instruction to perform the settlement from the communication terminal, and the instruction receiving means Upon receiving an instruction for payment, and a payment means for performing the settlement based on the contents of the settlement is stored in the memory, characterized in that.

  The present invention is a payment method using a communication terminal, wherein a communication management apparatus that manages communication of the communication terminal in a local network to which the communication terminal belongs and that settles a communication fee of the communication terminal includes: A settlement request receiving step for receiving a settlement request including information indicating the content of the settlement associated with the service provision from the server of the service provider that has received the service provision request from the communication terminal; and after the settlement request receiving step, A communication management device stores information indicating the contents of the payment in a memory of the communication management device, and after the storage step, the communication management device transmits information indicating the contents of the payment to the communication terminal. After the payment details transmission step to be transmitted and the payment details transmission step, the communication management device receives instructions from the communication terminal to receive an instruction to perform the payment. A receiving step; and a settlement step for performing the settlement based on the content of the settlement stored in the memory when the communication management device receives the instruction to perform the settlement in the instruction receiving step. It is characterized by.

  As described above, the payment associated with the service provision requested from the communication terminal is performed by the communication management device that manages the communication of the communication terminal and settles the communication fee. Since the communication management device has personal information indispensable for the payment of the communication fee of the communication terminal, in the payment accompanying this service provision, the personal information such as a credit card card number required for the payment is provided. There is no need to notify the vendor's server. Therefore, the server of the service provider does not need to have a system for maintaining security for personal information, and the cost required for installation and maintenance of the server of the service provider can be reduced.

  In addition, since the user of the communication terminal does not have to distribute important personal information on the server of the service provider or the like, management of the personal information can be unified and security can be improved. In addition, since the user of the communication terminal does not input personal information every time payment is made, convenience is improved. Further, since the user of the communication terminal can receive service provision without inputting personal information, the trust to the service provider increases and the ability to attract customers increases. In addition, payment associated with service provision can be billed to the user in a lump sum (using a single invoice), for example, at the end of the month, together with billing for communication charges.

  According to the present invention, a communication management device and a communication terminal that can ensure the security of the personal information of a user without impairing convenience when performing payment associated with service provision via a communication network are used. A payment method can be provided.

  Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the drawings. In the description of the drawings, if possible, the same elements are denoted by the same reference numerals, and redundant description is omitted. FIG. 1 is a diagram illustrating a configuration of a network system 1 according to the embodiment. The network system 1 includes a communication terminal 2, a local network management device 4, and a service provider server 6. 1 shows one each of the communication terminal 2, the local network management device 4, and the service provider server 6 for simplicity of explanation and illustration, the network system 1 includes the communication terminal 2, A plurality of local network management devices 4 and service provider servers 6 may be provided.

  The communication terminal 2 is a mobile communication body such as a mobile phone, a PC (Personal Computer), or the like. The communication terminal 2 can communicate with the local network management device 4 and the service provider server 6. The display device of the communication terminal 2 can display the Web page of the local network management device 4 or the service provider server 6.

  The local network management device 4 can communicate with the communication terminal 2 and the service provider server 6. The local network management device 4 may be provided in the local network to which the communication terminal 2 belongs, or may be provided outside this local network. The local network management device 4 is a communication management device that manages communication of the communication terminal 2 in the local network to which the communication terminal 2 belongs. Here, the local network is a communication network managed by a carrier or a communication network managed by an ISP (Internet Service Provider).

  The local network management device 4 assigns an IP address to the communication terminal 2 when the communication terminal 2 accesses the Internet. The local network management device 4 automatically performs settlement of communication charges generated when the communication terminal 2 uses this local network (including the Internet). The local network management device 4 previously stores personal information (for example, the name and contact information of the user having the communication terminal 2 and the card number of the credit card used for the payment) for settlement of the communication fee of the communication terminal 2. It is held in the memory (recording device 4e).

  Note that a communication provider (for example, a carrier or ISP) that has the local network management device 4 and provides a communication service has a service provider server 6 and provides various services. A contract for settlement agency is negotiated in advance. The payment associated with the service provision by the service provider is performed by the communication company having the local network management device 4. The local network management device 4 performs a payment associated with the service provision of such a service provider in accordance with a payment instruction from the communication terminal 2. Then, after the settlement is completed, a settlement completion notification (including information indicating the settlement number) is transmitted to the service provider server 6. The local network management device 4 holds information about the service provider (for example, the name and contact information of the service provider, the address of the service provider server 6) in the recording device 4e in advance.

  The service provider server 6 is a device for providing various services to the user of the communication terminal 2 in response to a request from the communication terminal 2. Such a service is, for example, a service that provides various contents such as audio contents and video contents for a fee, or a service that accepts purchases of products such as books and CDs. The communication terminal 2 transmits a service provision request input via the Web page of the service provider server 6 displayed on the display device of the communication terminal 2 to the service provider server 6. For example, when the service provider server 6 receives a service provision request from the communication terminal 2, the service provider server 6 issues a settlement number for identifying settlement associated with the service provision and transmits the settlement request to the local network management device 4.

  This settlement request includes information indicating the contents of the settlement. The contents of the settlement include service contents, information on the service provider server 6 that provides the service (for example, the name and contact information of the service provider that has the service provider server 6 and provides the service, and the service provider server 6 address, etc.), the settlement number, and information related to the local network management device 4 that performs the settlement (for example, the name and contact information of the carrier that has the local network management device 4 and performs the settlement, and the local network management device 4 address, etc.).

  The service provider server 6 holds in advance information relating to a communication company having the local network management device 4 (for example, the name and contact information of this communication company, the address of the local network management device 4) in a memory. .

  When the service provider server 6 issues a settlement number in response to a service provision request from the communication terminal 2, the service provider server 6 displays the settlement number and information indicating the address of the local network management device 4 that performs settlement, for example, a Web page Is transmitted to the communication terminal 2 as displayable data. When information indicating the settlement number is received by the communication terminal 2, for example, on the web page of the service provider server 6 displayed on the display device of the communication terminal 2, the settlement number and the address of the local network management device 4 (local Link to the network management device 4) is displayed.

  When the service provider server 6 receives the payment completion notification from the local network management device 4, the communication terminal 2 receives the payment completion notification (including information indicating the payment number) as data that can be displayed on a Web page, for example. Send to.

  Next, the configuration of the local network management device 4 will be described with reference to FIGS. The local network management device 4 physically includes a CPU 4a, a RAM 4b, a ROM 4c, a communication device 4d, and a recording device 4e, which are connected to a bus 4f. The CPU 4a centrally controls the local network management device 4 by loading predetermined computer software stored in a built-in memory such as the ROM 4c into the RAM 4b and executing it.

  The communication device 4d has an interface for communicating with the communication terminal 2 and the service provider server 6. The recording device 4e is a readable / writable memory that stores computer software executable by the CPU 4a. The recording device 4e stores personal information necessary for settlement of the communication fee of the communication terminal 2. The recording device 4e stores information indicating the content of payment included in the payment request transmitted from the service provider server 6.

  The CPU 4a of the local network management device 4 realizes a plurality of functions shown in FIG. That is, the local network management device 4 functionally includes a payment request reception unit 41 to a payment completion notification unit 46. The settlement request receiving unit 41 to the settlement completion notifying unit 46 are functions realized when the CPU 4a executes computer software and operates each component of the information management apparatus 2 illustrated in FIG. In particular, the CPU 4a uses the payment request reception unit 41 to the payment completion notification unit 46 to execute the process shown in FIG.

  The settlement request receiving unit 41 receives a settlement request including information indicating the contents of settlement accompanying the service provision from the service provider server 6 that has received the service provision request from the communication terminal 2. The storage unit 42 stores information indicating the content of the payment included in the payment request received by the payment request receiving unit 41 in the recording device 4e. The payment content transmitting unit 43 sends information indicating the content of the payment stored in the recording device 4 e by the storage unit 42 to the communication terminal 2. In this case, the communication terminal 2 displays, for example, the payment content transmitted by the payment content transmission unit 43 on the display device of the communication terminal 2 as, for example, a Web page, and issues a confirmation request for the payment content and a payment instruction. The operator (user) of the communication terminal 2 is prompted through this Web page.

  The instruction receiving unit 44 receives the payment instruction from the communication terminal 2 after the payment content transmitting unit 43 transmits the payment contents to the communication terminal 2. When the instruction receiving unit 44 receives the payment instruction, the payment unit 45 performs payment based on the content of the payment stored in the recording device 4e. The payment here means, for example, a series of data processing (for example, credit card) for the payment unit 45 to hold the payment approval in the recording device 4e and charge the user together with the communication fee of the communication terminal 2. Process to notify the company). When the settlement unit 45 completes the settlement, the settlement completion notification unit 46 transmits a settlement completion notification (including information indicating the settlement number) indicating the completion of the settlement to the service provider server 6.

  Next, the operation of the network system 1 will be described with reference to FIG. First, the communication terminal 2 displays the Web page of the service provider server 6 on the display device of the communication terminal 2, and receives a service request input from the input device of the communication terminal 2 via this Web page. (Step S1). After step S1, upon receiving a service provision request from the communication terminal 2 (step S2), the service provider server 6 issues a settlement number for identifying settlement associated with the service provision, The address of the local network management device 4 that performs settlement is transmitted to the communication terminal 2 as data that can be displayed on a Web page, for example (step S3).

  After step S3, the communication terminal 2 receives the settlement number and the address of the local network management device 4 from the service provider server 6 (step S4), and displays them on the display device of the communication terminal 2, for example, as a Web page. . In addition, after step S2, before and after the process of step S3, a settlement request accompanying the service provision requested from the communication terminal 2 is transmitted to the local network management device 4 (step S5). After step S5, the payment request reception unit 41 of the local network management device 4 receives the payment request transmitted from the service provider server 6 (step S6). In addition, although the process of step S3 was performed prior to the process of step S5, the present invention is not limited to this, and the process of step S5 may be performed prior to the process of step S3.

  After step S6, the storage unit 42 of the local network management device 4 stores, in the recording device 4e, information indicating the content of the payment included in the payment request received by the payment request receiving unit 41 in step S6 (step S7). . After step S7, the communication terminal 2 transmits a payment number to the local network management device 4 via, for example, a web page, and requests the local network management device 4 to confirm the content of the payment corresponding to the payment number. Thereafter, the payment content transmission unit 43 of the local network management device 4 sends information indicating the content of the payment stored in the recording device 4e by the storage unit 42 to the communication terminal 2 after the authentication of the communication terminal 2 (step S40). S8). Here, for the authentication of the communication terminal 2, for example, the IP address of the communication terminal 2 matches the IP address previously assigned to the communication terminal 2 by the local network management device 4, or further, the communication terminal 2 is a service provider. This is performed by comprehensively determining whether or not the server 6 has been accessed.

  After step S8, when the communication terminal 2 receives the content of the settlement transmitted from the settlement content transmission unit 43 of the local network management device 4 (step S9), the received content of the settlement is displayed on the display device as a Web page, for example. And prompts the operator (user) of the communication terminal 2 to confirm the content of the settlement and input a settlement instruction via the Web page. After step S9, the communication terminal 2 transmits the settlement instruction input from the input device of the communication terminal 2 to the local network management device 4 via the Web page (step S10). After step S10, when the instruction receiving unit 44 of the local network management device 4 receives the payment instruction transmitted from the communication terminal 2 (step S11), the payment unit 45 stores it in the recording device 4e according to the payment instruction. A settlement is made based on the contents of the settlement (step S12). If the payment instruction is not transmitted from the communication terminal 2, the local network management device 4 deletes the information indicating the content of the payment stored in the recording device 4e in step S7, and informs the service provider server 6 of this fact. Notify

  After step S12, when the payment is completed by the payment unit 45, the payment completion notification unit 46 transmits a payment completion notification (including information indicating the payment number) indicating the completion of payment to the service provider server 6. (Step S13). After step S13, upon receiving the payment completion notification from the payment completion notification unit 46 of the local network management device 4 (step S14), the service provider server 6 transmits this payment completion notification to the communication terminal 2 (step S14). S15). Upon receiving the payment completion notification from the service provider server 6, the communication terminal 2 displays this notification on the display device as a Web page, for example. Thereby, the operator (user) of the communication terminal 2 can confirm that the settlement is completed.

  Next, operations and effects of the local network management device 4 according to the embodiment will be described. The local network management device 4 manages communication of the communication terminal 2 in the local network to which the communication terminal 2 belongs, and settles the communication fee of the communication terminal 2. The local network management device 4 includes a settlement request receiving unit 41, a storage unit 42, a settlement content transmitting unit 43, an instruction receiving unit 44, and a settlement unit 45. The settlement request receiving unit 41 receives a settlement request including information indicating the contents of settlement accompanying the service provision from the service provider server 6 that has received the service provision request from the communication terminal 2. The storage unit 42 stores information indicating the content of the payment included in the payment request received by the payment request receiving unit 41 in the recording device 4e. The payment content transmitting unit 43 sends information indicating the content of the payment stored in the recording device 4 e by the storage unit 42 to the communication terminal 2. In this case, for example, the communication terminal 2 displays the payment content transmitted by the payment content transmitting unit 43 on the display device as a Web page, for example, and sends a confirmation request for the payment content and a payment instruction via this Web page. Prompt the operator (user) of the communication terminal 2

  In this way, the payment associated with the service provision requested from the communication terminal 2 is performed by the local network management device 4 that manages the communication of the communication terminal 2 and performs the payment of the communication fee. Since the local network management device 4 has personal information indispensable for the settlement of the communication fee of the communication terminal 2, personal information such as a credit card card number necessary for the settlement in the settlement accompanying the provision of the service. Is not required to be notified to the service provider server 6. Therefore, the service provider server 6 does not need to be provided with a system for maintaining security for personal information, and the cost required for installation and maintenance of the service provider server 6 can be reduced.

  In addition, since the user of the communication terminal 2 does not have to distribute important personal information in the service provider server 6 or the like, management of personal information can be unified and security can be improved. In addition, since the user of the communication terminal 2 does not input personal information every time payment is made, convenience is improved. Further, since the user of the communication terminal 2 can receive service provision without inputting personal information, the trust to the service provider increases and the ability to attract customers increases. In addition, payment associated with service provision can be billed to the user in a lump sum (using a single invoice), for example, at the end of the month, together with billing for communication charges.

1 is a diagram illustrating a configuration of a network system according to an embodiment. It is a figure which shows the structure of the local network management apparatus which concerns on embodiment. It is a figure which shows the structure of the local network management apparatus which concerns on embodiment. It is a sequence for demonstrating operation | movement of the network system which concerns on embodiment.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 1 ... Network system, 2 ... Communication terminal, 4 ... Local network management apparatus, 4a ... CPU, 4b ... RAM, 4c ... ROM, 4d ... Communication apparatus, 4e ... Recording apparatus, 4f ... Bus, 41 ... Payment request receiving part, 42 ... Storage unit, 43 ... Payment content transmission unit, 44 ... Instruction reception unit, 45 ... Payment unit, 46 ... Payment completion notification unit, 6 ... Service provider server

Claims (2)

A communication management device that manages communication of the communication terminal in a local network to which the communication terminal belongs and settles a communication fee of the communication terminal,
Payment request receiving means for receiving a payment request including information indicating the contents of payment accompanying the service provision from the server of the service provider that has received the service provision request from the communication terminal;
Storage means for storing, in a memory, information indicating the content of the payment included in the payment request received by the payment request receiving means;
Payment contents transmitting means for transmitting information indicating the contents of the payment stored in the memory by the storage means to the communication terminal;
Instruction receiving means for receiving an instruction to perform the payment from the communication terminal after the payment content is transmitted to the communication terminal by the payment content transmitting means;
When the instruction receiving means receives an instruction to make the payment, the communication management apparatus comprises payment means for making the payment based on the contents of the payment stored in the memory. A payment method using a communication terminal,
The communication management device that manages communication of the communication terminal in the local network to which the communication terminal belongs and settles the communication fee of the communication terminal is received from the server of the service provider that has received a service provision request from the communication terminal. A payment request receiving step for receiving a payment request including information indicating the content of the payment accompanying the service provision;
After the payment request receiving step, the communication management device stores information indicating the content of the payment in a memory of the communication management device;
After the storing step, the communication management device transmits a payment content transmission step for transmitting information indicating the content of the payment to the communication terminal;
After the settlement content transmission step, the communication management device receives an instruction to perform the settlement from the communication terminal;
When the communication management device receives an instruction to perform the payment in the instruction receiving step, the communication management device includes a payment step of performing the payment based on the content of the payment stored in the memory. Payment method using a communication terminal.

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