JP2015060363A - Settlement server, payment settlement system, payment settlement method, and computer program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To proceed with commercial transaction processing even in an environment in which connection to a secure network such as an NGN is not allowed.SOLUTION: A settlement server includes: a determination unit that determines whether or not authentication information, which is received from a terminal device when a commodity is purchased, is information received from a network requiring line authentication; an authentication unit that authenticates a user of the terminal device by using the authentication information; a settlement unit that settles payment of a commodity purchased by a user if the received authentication information is information received from the network requiring the line authentication and the user is authenticated; and a communication unit that transmits payment settlement information, which is used for settling the payment of the commodity later, to the terminal device if it is determined that the received authentication information is not information received from the network requiring the line authentication. The settlement unit settles the payment of the commodity purchased by the user if the payment settlement information is received from the terminal device via the network requiring the line authentication.

Description

  The present invention relates to line authentication technology.

  Currently, there have been incidents of using illegally obtained IDs and passwords for Web sites. While business transactions using the Web and communication terminals are on the rise, not only IDs and passwords but also functions for conducting safe and secure transactions are required. Thus, a system has been proposed that provides a service using line authentication technology for confirming that a user has accessed through a contracted line (see, for example, Patent Document 1).

JP 2006-25010 A

  Incidentally, NGN (Next Generation Network) is an example of a network having a line authentication function. If this line authentication function in NGN is used, strong security can be ensured. However, strong security cannot be ensured unless the environment can be connected to NGN. For this reason, in an environment where connection to the NGN is not possible, secure business transactions are not guaranteed, and a configuration for prohibiting business transactions may be employed. However, there is a demand that some users want to execute a commercial transaction even in an environment where connection to NGN is not possible.

  In view of the above circumstances, an object of the present invention is to provide a technique capable of proceeding with a commercial transaction process even in an environment where connection to a secure network such as NGN is not possible.

  According to one aspect of the present invention, a determination unit that determines whether authentication information received from a terminal device when a product is purchased is information received from a network that requires line authentication; and the authentication information An authentication unit that authenticates a user of the terminal device using the information, and the received authentication information is information received from a network that requires the line authentication, and the user is authenticated when the user is authenticated. A settlement unit that settles the price of the product to be purchased, and is used to later settle the price of the product when it is determined that the received authentication information is not information received from the network that requires the line authentication. A communication unit that transmits the price settlement information to the terminal device, the settlement unit via the network that requires the line authentication from the terminal device. When it is received, a settlement server to settle the price of the commodity in which the user purchases.

  One aspect of the present invention is a payment settlement system comprising a user terminal device and a settlement server, wherein the terminal device includes a transmission unit that transmits authentication information to the settlement server, A determination unit for determining whether authentication information received from a terminal device when a product is purchased is information received from a network that requires line authentication; and using the authentication information, An authentication unit that authenticates a user, and the received authentication information is information received from a network that requires the line authentication, and when the user is authenticated, the user pays for a product purchased by the user A settlement unit that performs payment for a product later when it is determined that the received authentication information is not information received from a network that requires the line authentication. A communication unit that transmits the price settlement information to be used to the terminal device, and the settlement unit, when the price settlement information is received from the terminal device via the network requiring the line authentication, This is a price settlement system that settles the price of a product purchased by a user.

  One aspect of the present invention is a determination step of determining whether authentication information received from a terminal device when a product is purchased is information received from a network that requires line authentication; and the authentication information An authentication step for authenticating a user of the terminal device using the information, and the received authentication information is information received from a network that requires the line authentication, and the user is authenticated when the user is authenticated. A settlement step for settlement of the price of the product to be purchased, and used to later settle the price of the product when it is determined that the received authentication information is not information received from the network that requires the line authentication. A communication step of transmitting the price settlement information to the terminal device, wherein the settlement step is configured to send the price settlement information from the terminal device to the line. If it is received via a network that requires proof, is a payment method to settle the price of the commodity in which the user purchases.

  One aspect of the present invention is a determination step of determining whether authentication information received from a terminal device when a product is purchased is information received from a network that requires line authentication; and the authentication information An authentication step for authenticating a user of the terminal device using the information, and the received authentication information is information received from a network that requires the line authentication, and the user is authenticated when the user is authenticated. A settlement step for settlement of the price of the product to be purchased, and used to later settle the price of the product when it is determined that the received authentication information is not information received from the network that requires the line authentication. Transmitting the price settlement information to the terminal device, and causing the computer to execute the settlement step, wherein the price settlement information is the terminal If it is received over a network that requires the line authentication from the device is a computer program to settle the price of the product in which the user purchases.

  According to the present invention, it is possible to proceed with a commercial transaction process even in an environment where it is not possible to connect to a secure network such as NGN.

It is a figure which shows the system configuration | structure of the price settlement system 100 in this invention. It is a schematic block diagram showing the function structure of 1st Embodiment (communication terminal 10a) of the communication terminal 10 in this embodiment. It is a schematic block diagram showing the function structure of 1st Embodiment (settlement server 40a) of the settlement server 40 in this embodiment. It is a sequence diagram which shows the specific example of the price payment process in 1st Embodiment of this invention. It is a sequence diagram which shows the specific example of the price payment process in 1st Embodiment of this invention. It is a sequence diagram which shows the specific example of the price payment process in 1st Embodiment of this invention. It is a sequence diagram which shows the specific example of the price payment process in 1st Embodiment of this invention. It is a schematic block diagram showing the function structure of 2nd Embodiment (communication terminal 10b) of the communication terminal 10 in this embodiment. It is a schematic block diagram showing the function structure of 2nd Embodiment (settlement server 40b) of the settlement server 40 in this embodiment. It is a sequence diagram which shows the specific example of the price payment process in 2nd embodiment of this invention. It is a sequence diagram which shows the specific example of the price payment process in 2nd embodiment of this invention.

Hereinafter, an embodiment of the present invention will be described with reference to the drawings.
FIG. 1 is a diagram showing a system configuration of a payment system 100 according to the present invention. The price settlement system 100 of the present invention includes a communication terminal 10, an HGW (Home GateWay) 20, a merchandise transaction server 30, and a settlement server 40. The communication terminal 10 is communicably connected to the commodity transaction server 30 and the settlement server 40 via the network 50. Furthermore, the communication terminal 10 is connected to the HGW 20 and is connected to the commodity transaction server 30 and the settlement server 40 via the HGW 20 and the line authentication network 60 so as to be communicable. The HGW 20, the commodity transaction server 30, and the settlement server 40 communicate using Ethernet (registered trademark).

The communication terminal 10 is configured using an information processing device such as a personal computer, a tablet device, a smartphone, a notebook computer, a workstation, a game device, a videophone device, or the like. The communication terminal 10 performs a commercial transaction with the commodity transaction server 30.
The HGW 20 is a wired or wireless LAN (Local Area Network) access point, and the communication terminal 10 connected to its own device (HGW 20) is connected to the line authentication network 60, for example, product transaction via the line authentication network 60. Access to the server 30 and the settlement server 40 is provided. The HGW 20 communicates with the communication terminal 10 by near field communication (for example, NFC (near field communication) or Bluetooth (registered trademark)).

The merchandise transaction server 30 is a server device possessed by a commercial transaction company and sells products handled by the commercial transaction company (hereinafter referred to as “transaction products”) to the user of the communication terminal 10.
The settlement server 40 is a server that settles transaction products purchased by the user on behalf of the user who has contracted with the company that provides the line authentication network 60. The settlement server 40 settles the price of the product purchased by the user of the communication terminal 10 that is the transmission source of the information received from the line authentication network 60, for example. The settlement server 40 transmits the price settlement information to the communication terminal 10 that is the transmission source of the information received from the network 50, for example. The price settlement information is information used by the communication terminal 10 that has not been subjected to line authentication to make a payment for a product after the line authentication has been performed. The price settlement information may be information on a reservation number for specifying the price of the product to be settled, or may be destination information for accessing a portal site for settlement of the price of the product.

The network 50 may be a network configured in any way. For example, the network 50 may be configured using a public network such as the Internet.
The line authentication network 60 may be a network configured in any way. For example, the line authentication network 60 may be configured using NGN.
When the network 50 is the Internet, the network 50 and the line authentication network 60 are connected via an ISP (Internet Service Provider) not shown.
Hereinafter, specific configuration examples (first embodiment and second embodiment) of the present invention will be described with reference to the drawings.

[First Embodiment]
FIG. 2 is a schematic block diagram showing a functional configuration of the first embodiment (communication terminal 10a) of the communication terminal 10 in the present embodiment.
The communication terminal 10a includes a CPU (Central Processing Unit), a memory, an auxiliary storage device, and the like connected by a bus, and executes a communication program. By executing the communication program, the communication terminal 10a functions as an apparatus including the communication unit 101, the control unit 102, the input unit 103, the display unit 104, and the reservation information storage unit 105. Note that all or part of the functions of the communication terminal 10a may be realized by using hardware such as an application specific integrated circuit (ASIC), a programmable logic device (PLD), and a field programmable gate array (FPGA). The communication program may be recorded on a computer-readable recording medium. The computer-readable recording medium is, for example, a portable medium such as a flexible disk, a magneto-optical disk, a ROM, a CD-ROM, or a storage device such as a hard disk built in the computer system. Further, the communication program may be transmitted / received via a telecommunication line.

The communication unit 101 communicates with the merchandise transaction server 30 and the settlement server 40 via the network 50. The communication unit 101 communicates with the merchandise transaction server 30 and the settlement server 40 via the HGW 20 and the line authentication network 60. The communication unit 101 transmits, for example, customer information (authentication information) including user information and money amount information to the settlement server 40. The user information is information related to the user of the communication terminal 10a and includes information for identifying the user such as an ID and a password. The amount information is information related to the amount of the transaction product purchased by the user of the communication terminal 10a.
The control unit 102 controls each functional unit of the communication terminal 10a.

  The input unit 103 is configured using an existing input device such as a keyboard, a pointing device (such as a mouse or a tablet), a button, or a touch panel. The input unit 103 is operated by the user when inputting a user instruction to the communication terminal 10a. The input unit 103 may be an interface for connecting the input device to the communication terminal 10a. In this case, the input unit 103 inputs an input signal generated in response to a user input in the input device to the communication terminal 10a. The input unit 103 receives input of user information, for example.

  The display unit 104 is an image display device such as a CRT (Cathode Ray Tube) display, a liquid crystal display, or an organic EL (Electro Luminescence) display. The display unit 104 displays distribution text data and advertisement display data. The display unit 104 may be an interface for connecting the image display device to the communication terminal 10a. In this case, the display unit 104 generates a video signal for displaying the distribution text data and the advertisement display data, and outputs the video signal to the image display device connected to the display unit 104. The display unit 104 displays information transmitted from the merchandise transaction server 30 or the settlement server 40.

  The reservation information storage unit 105 is configured using a storage device such as a magnetic hard disk device or a semiconductor storage device. The reservation information storage unit 105 stores reservation information. The reservation information is information including a reservation number (identification number) for specifying the price of the product to be settled.

FIG. 3 is a schematic block diagram showing a functional configuration of the first embodiment (payment server 40a) of the payment server 40 in the present embodiment.
The settlement server 40a includes a CPU, a memory, an auxiliary storage device, and the like connected by a bus, and executes a settlement program. By executing the payment program, the payment server 40a functions as a device including the communication unit 401, the determination unit 402, the reservation information generation unit 403, the payment information storage unit 404, the authentication unit 405, and the payment unit 406. Note that all or part of the functions of the settlement server 40a may be realized using hardware such as an ASIC, PLD, or FPGA. Further, the payment program may be recorded on a computer-readable recording medium. The computer-readable recording medium is, for example, a portable medium such as a flexible disk, a magneto-optical disk, a ROM, a CD-ROM, or a storage device such as a hard disk built in the computer system. The payment program may be transmitted / received via a telecommunication line.

The communication unit 401 communicates with the communication terminal 10a, the HGW 20, and the commodity transaction server 30 via the network 50 or the line authentication network 60. The communication unit 401 receives customer information from the communication terminal 10a, for example.
The determination unit 402 determines whether or not the received customer information is information received from the line authentication network 60. Specifically, the determination unit 402 is provided with identification information (for example, an IP address) that can uniquely identify the line of the communication terminal 10a that is the transmission source of the received customer information, via the line authentication network 60. Whether it is information or not is determined by inquiring an authentication server (not shown) provided in the line authentication network 60. When the identification information of the transmission source of the customer information is information given via the line authentication network 60, the determination unit 402 determines that the received customer information is information received from the line authentication network 60. On the other hand, if the identification information of the transmission source of the customer information is not information given via the line authentication network 60, the determination unit 402 determines that the received customer information is not information received from the line authentication network 60. To do. When the received customer information is information received from the line authentication network 60, the determination unit 402 outputs a notification indicating that to the authentication unit 405. On the other hand, when the received customer information is not information received from the line authentication network 60, the determination unit 402 instructs the reservation information generation unit 403 to generate reservation information.

The reservation information generation unit 403 generates reservation information based on an instruction from the determination unit 402. The reservation information generation unit 403 transmits the generated reservation information to the communication terminal 10a that is the transmission source of the customer information via the communication unit 401. Thereafter, the reservation information generation unit 403 stores the amount information included in the customer information and the reservation number included in the reservation information in association with each other and stored in the payment information storage unit 404 as payment information.
The settlement information storage unit 404 is configured using a storage device such as a magnetic hard disk device or a semiconductor storage device. The payment information storage unit 404 stores payment information.

The authentication unit 405 performs user authentication of the communication terminal 10a that is the transmission source of the customer information using the received customer information. For example, the authentication unit 405 performs user authentication based on whether or not the user ID and password included in the customer information match the user ID and password stored in advance in the own device (payment server 40a). If the user ID and password match, the authentication unit 405 authenticates that the user of the communication terminal 10a that is the transmission source of the customer information is a valid user. If the user ID and password do not match, the authentication unit 405 authenticates that the user of the communication terminal 10a that is the customer information transmission source is an unauthorized user, and outputs an error notification.
The settlement unit 406 performs settlement for the price of the transaction product. The settlement unit 406, for example, receives customer information from the line authentication network 60, and if the user is authenticated, the product purchased by the user of the communication terminal 10a that is the customer information transmission source Settle the price of. Further, the settlement unit 406 settles the price of the product purchased by the user when, for example, the reservation information is received from the communication terminal 10a via the line authentication network 60.

4 and 5 are sequence diagrams showing a specific example of the price settlement process in the first embodiment of the present invention. In the description of FIGS. 4 and 5, a case where line authentication is performed will be described.
The display unit 104 of the communication terminal 10a displays information on transaction products sold by the product transaction server 30, and accepts an instruction to purchase products from the user (step S101). When a product purchase instruction is input, the input unit 103 receives input of user information from the user (step S102). When the user information is input, the communication unit 101 transmits the user information to the commodity transaction server 30 via the HGW 20, the line authentication network 60, and the network 50 (step S103).

  The merchandise transaction server 30 receives user information from the communication terminal 10a (step S104). The merchandise transaction server 30 determines whether or not the user ID and password of the received user information match the user ID and password stored in advance (step S105). When the user ID and the password do not match, the merchandise transaction server 30 transmits an error notification to the communication terminal 10a. On the other hand, when the user ID and the password match, the merchandise transaction server 30 transmits the amount information of the transaction merchandise purchased by the user identified by the user ID and the password to the communication terminal 10a (step S106).

The communication unit 101 of the communication terminal 10a selects the merchandise transaction server 30 to use the payment means with line authentication as the payment means, and receives money amount information from the merchandise transaction server 30 (step S107). Thereafter, the communication unit 101 transmits the customer information including the user information and the received amount information to the settlement server 40a via the line authentication network 60 (step S108).
The communication unit 401 of the settlement server 40a receives customer information from the communication terminal 10a via the line authentication network 60 (step S109). The determination unit 402 determines whether the received customer information is information received from the line authentication network 60 (step S110). As a result of the determination, since the customer information is information received from the line authentication network 60, the determination unit 402 outputs a notification to that effect to the authentication unit 405. The authentication unit 405 performs user authentication using the received customer information (step S111). As a result of the user authentication, since it is authenticated that the user is a valid user, the communication unit 401 transmits confirmation information to the communication terminal 10a (step S112). The confirmation information is information for confirming that the settlement is to be executed.

The communication unit 101 of the communication terminal 10a receives the confirmation information from the settlement server 40a (Step S113). The control unit 102 displays the received confirmation information on the display unit 104, and receives an instruction input from the user (step S114). When an instruction to execute payment is input from the user, the communication unit 101 generates a response notification storing the input instruction information and transmits it to the payment server 40a (step S115). At this time, if the user inputs an instruction not to execute settlement, the process ends.
The communication unit 401 of the settlement server 40a receives a response notification from the communication terminal 10a (step S116). Thereafter, the communication unit 401 transmits confirmation information to the commodity transaction server 30 (step S117).

  The merchandise transaction server 30 receives the confirmation information from the settlement server 40a (step S118). The merchandise transaction server 30 transmits a response notification to the effect that the payment is executed as a response to the confirmation information to the payment server 40a (step S119). The communication unit 401 of the settlement server 40a receives a response notification from the merchandise transaction server 30 (step S120). Thereafter, the settlement unit 406 performs settlement based on the response notification (step S121). Specifically, since the response notification stores information indicating that payment is to be executed, the payment unit 406 performs payment for the price of the transaction product. When the payment for the transaction product is completed, the communication unit 401 transmits a completion notification (for example, information including “Thank you”) to the communication terminal 10a (step S122). Thereafter, the process ends.

6 and 7 are sequence diagrams showing a specific example of the price settlement process in the first embodiment of the present invention. In the description of FIGS. 6 and 7, a case where line authentication is not performed will be described. Also, processing similar to that in FIG. 4 is denoted by the same reference numerals as in FIG. 4 in FIG.
When the processing from step S101 to step S109 ends, the determination unit 402 determines whether the received customer information is information received from the line authentication network 60 (step S201). As a result of the determination, since the customer information is not information received from the line authentication network 60, the determination unit 402 instructs the reservation information generation unit 403 to generate reservation information. Next, the authentication unit 405 performs user authentication using the received customer information (step S202). As a result of the user authentication, the user is authenticated as a legitimate user, but the customer information is not information received from the line authentication network 60. Therefore, the reservation information generation unit 403 generates reservation information and passes through the communication unit 401. It transmits to the communication terminal 10a (step S203). Thereafter, the reservation information generation unit 403 stores the reservation number and the amount information included in the reservation information in association with each other in the payment information storage unit 404 (step S204).

The communication unit 101 of the communication terminal 10a receives the reservation information from the settlement server 40a, and stores the received reservation information in the reservation information storage unit 105 (step S205).
Thereafter, the communication terminal 10a connects to the line authentication network 60 via the HGW 20 in accordance with a user operation (step S206). The control unit 102 of the communication terminal 10 a reads the reservation information from the reservation information storage unit 105 and outputs it to the communication unit 101. The communication unit 101 transmits the output reservation information to the settlement server 40a via the line authentication network 60 (step S207).

The communication unit 401 of the settlement server 40a receives reservation information from the communication terminal 10a via the line authentication network 60 (step S208). The determination unit 402 determines whether or not the received reservation information is information received from the line authentication network 60 (step S209).
As a result of the determination, since the reservation information is information received from the line authentication network 60, the communication unit 401 transmits confirmation information to the communication terminal 10a via the line authentication network 60 (step S210).

  The communication unit 101 of the communication terminal 10a receives confirmation information from the payment server 40a via the line authentication network 60 (step S211). The control unit 102 displays the received confirmation information on the display unit 104 and accepts an input of an instruction from the user (step S212). When an instruction to execute settlement is input from the user, the communication unit 101 is input. The response notification storing the received instruction information is generated and transmitted to the settlement server 40a (step S213). At this time, if the user inputs an instruction not to execute settlement, the process ends.

The communication unit 401 of the settlement server 40a receives a response notification from the communication terminal 10a (step S214). Thereafter, the communication unit 401 transmits confirmation information to the commodity transaction server 30 (step S215).
The merchandise transaction server 30 receives the confirmation information from the settlement server 40a (step S216). The merchandise transaction server 30 transmits a response notification to the effect that payment is executed as a response to the confirmation information to the payment server 40a (step S217). The communication unit 401 of the settlement server 40a receives a response notification from the merchandise transaction server 30 (step S218). When the response notification is received, the settlement unit 406 performs settlement of the transaction product according to the output reservation information (step S219). Specifically, the settlement unit 406 acquires a reservation number from the output reservation information. Next, the settlement unit 406 acquires money amount information corresponding to the acquired reservation number from the settlement information storage unit 404.
Then, the settlement unit 406 performs settlement for the price of the transaction product based on the acquired amount information. When the payment for the transaction product is completed, the communication unit 401 transmits a completion notification (for example, information including “Thank you”) to the communication terminal 10a (step S220). Thereafter, the process ends.

  According to the price settlement system 100 configured as described above, only the settlement of the communication terminal 10a accessed via the line authentication network 60 (for example, NGN) is performed. For example, the reservation information is transmitted to the communication terminal 10a that has accessed through a network other than the line authentication network 60 (for example, the network 50) in order to settle the price for the product later. When the communication terminal 10a storing the reservation information in an environment that can be connected to the line authentication network 60 accesses again via the line authentication network 60, the settlement is performed based on the reservation number included in the reservation information. Is called. Therefore, even in an environment where it is not possible to connect to a secure network such as NGN, it is possible to proceed with commercial transaction processing.

<Modification>
In the present embodiment, the price settlement system 100 is configured to include one communication terminal 10a, but the price settlement system 100 may be configured to include two or more communication terminals 10a.
A non-contact IC reader may be connected to the HGW 20, and line authentication may be performed by communication between the non-contact IC reader and the communication terminal 10a.
In the present embodiment, the reservation information generation unit 403 is configured to generate reservation information based on an instruction from the determination unit 402, but the present invention is not limited to this. For example, the reservation information generation unit 403 may be configured to generate reservation information based on an instruction from the authentication unit 405. In this case, the configuration is as follows. When the determination unit 402 determines that the customer information is not information received from the line authentication network 60 and the authentication unit 405 authenticates that the customer information is a valid user, the authentication unit 405 generates the reservation information. The reservation information generation unit 403 is instructed. The reservation information generation unit 403 generates reservation information based on an instruction from the authentication unit 405.
In the process of step S206 in FIG. 7, when the communication terminal 10a is in a state where it can communicate with the HGW 20 (a state in which the radio wave of the HGW 20 is received), the communication terminal 10a automatically (without the user's operation) It may be configured to connect to the line authentication network 60 via the network.

[Second Embodiment]
FIG. 8 is a schematic block diagram showing a functional configuration of the second embodiment (communication terminal 10b) of the communication terminal 10 in the present embodiment.
The communication terminal 10b includes a CPU, a memory, an auxiliary storage device, and the like connected by a bus and executes a communication program. By executing the communication program, the communication terminal 10b functions as a device including the communication unit 101, the control unit 102, the input unit 103, the display unit 104, and the access information storage unit 106. Note that all or part of the functions of the communication terminal 10b may be realized using hardware such as an ASIC, PLD, or FPGA. The communication program may be recorded on a computer-readable recording medium. The computer-readable recording medium is, for example, a portable medium such as a flexible disk, a magneto-optical disk, a ROM, a CD-ROM, or a storage device such as a hard disk built in the computer system. Further, the communication program may be transmitted / received via a telecommunication line.

The communication terminal 10b is different from the communication terminal 10a in that an access information storage unit 106 is provided instead of the reservation information storage unit 105. The communication terminal 10b is the same as the communication terminal 10a in other configurations. Therefore, description of the communication terminal 10b as a whole is omitted, and the access information storage unit 106 will be described.
The access information storage unit 106 is configured using a storage device such as a magnetic hard disk device or a semiconductor storage device. The access information storage unit 106 stores access information. The access information is information for accessing a portal site for paying for a product. The access information is, for example, a portal site URL (Uniform Resource Locator).

FIG. 9 is a schematic block diagram showing a functional configuration of the second embodiment (payment server 40b) of the payment server 40 in the present embodiment.
The settlement server 40b includes a CPU, a memory, an auxiliary storage device, and the like connected by a bus and executes a settlement program. By executing the payment program, the payment server 40b functions as an apparatus including the communication unit 401, the determination unit 402, the payment information storage unit 404, the authentication unit 405, the payment unit 406, and the destination information generation unit 407. Note that all or part of the functions of the settlement server 40b may be realized using hardware such as an ASIC, PLD, or FPGA. Further, the payment program may be recorded on a computer-readable recording medium. The computer-readable recording medium is, for example, a portable medium such as a flexible disk, a magneto-optical disk, a ROM, a CD-ROM, or a storage device such as a hard disk built in the computer system. The payment program may be transmitted / received via a telecommunication line.

The settlement server 40b is different from the settlement server 40a in that a destination information generation unit 407 is provided instead of the reservation information generation unit 403. The settlement server 40b is the same as the settlement server 40a in other configurations. Therefore, the description of the entire payment server 40b is omitted, and the destination information generation unit 407 will be described.
The destination information generation unit 407 generates destination information (email) based on an instruction from the determination unit 402. For example, the destination information generation unit 407 generates an email including a URL (access information) for accessing a portal site for paying for a product. The destination information generation unit 407 transmits the generated mail to the communication terminal 10b that is the transmission source of the customer information via the communication unit 401. The destination information generation unit 407 associates the money amount information included in the customer information with the URL included in the mail and stores it in the payment information storage unit 404 as payment information. The destination information generation unit 407 may set a time limit (for example, 30 minutes, 1 hour, etc.) in the URL when generating a mail so that the user of the communication terminal 10b cannot access after a certain period of time has elapsed.

10 and 11 are sequence diagrams showing a specific example of the price settlement process in the second embodiment of the present invention. In addition, about the process similar to FIG. 4, the code | symbol similar to FIG. 4 is attached | subjected in FIG. 10, and description is abbreviate | omitted.
When the processing from step S101 to step S109 ends, the determination unit 402 determines whether or not the received customer information is information received from the line authentication network 60 (step S301). As a result of the determination, since the customer information is not information received from the line authentication network 60, the determination unit 402 instructs the destination information generation unit 407 to generate a mail including the destination information. Next, the authentication unit 405 performs user authentication using the received customer information (step S302). As a result of the user authentication, since the user is authenticated as a valid user, the communication unit 401 transmits a mail to the communication terminal 10b (step S303).

  The communication unit 101 of the communication terminal 10b receives an email from the payment server 40b (step S304). Thereafter, in response to a user operation, the communication terminal 10b connects to the line authentication network 60 via the HGW 20 (step S305). The control unit 102 displays the mail content on the display unit 104 according to the user's operation, and accepts pressing of the URL (step S306). When the URL is pressed by the user, the communication unit 101 transmits an access notification including the pressed URL to the settlement server 40b via the line authentication network 60 (step S307). The access notification is a notification transmitted when requesting connection to the destination identified by the URL.

  The communication unit 401 of the settlement server 40b receives an access notification from the communication terminal 10b via the line authentication network 60 (step S308). The determination unit 402 determines whether or not the received access notification is a notification received from the line authentication network 60 (step S309). As a result of the determination, since the access notification is a notification received from the line authentication network 60, the determination unit 402 outputs a notification indicating that to the communication unit 401. The communication unit 401 reads the data of the portal site identified by the URL included in the access notification and transmits the data to the communication terminal 10b that is the transmission source of the access notification, thereby confirming the payment for the product (step S310). .

  The communication unit 101 of the communication terminal 10b receives portal site data from the payment server 40b (step S311). The control unit 102 displays the portal site on the display unit 104 based on the received portal site data, and receives an instruction input from the user (step S312). When an instruction to execute settlement is input from the user, the communication unit 101 generates a response notification storing the input instruction information and transmits it to the settlement server 40b (step S313). The communication unit 401 of the settlement server 40b receives a response notification from the communication terminal 10b (step S314). Thereafter, the communication unit 401 transmits confirmation information to the merchandise transaction server 30 (step S315).

  The merchandise transaction server 30 receives the confirmation information from the settlement server 40b (step S316). The merchandise transaction server 30 transmits a response notification to the effect that the payment is executed as a response to the confirmation information to the payment server 40b (step S317). The communication unit 401 of the settlement server 40b receives a response notification from the merchandise transaction server 30 (step S318). Then, the settlement unit 406 performs settlement for the price of the product based on the amount information acquired in the process of step S109 (step S319). When the payment for the product is completed, the communication unit 401 transmits a completion notification (for example, information including “Thank you”) to the communication terminal 10b (step S320). Thereafter, the process ends.

  According to the price settlement system 100 configured as described above, only the settlement of the communication terminal 10b accessed via the line authentication network 60 (for example, NGN) is performed. For example, the URL of the portal site to be accessed later for settlement of the price of the product is transmitted to the communication terminal 10b accessed via a network other than the line authentication network 60 (for example, the network 50). When the communication terminal 10b storing the reservation information in an environment that can be connected to the line authentication network 60 accesses again via the line authentication network 60, confirmation is performed at the portal site identified by the URL. Settlement is made after. Therefore, even in an environment where it is not possible to connect to a secure network such as NGN, it is possible to proceed with commercial transaction processing.

<Modification>
The second embodiment may be modified in the same manner as the first embodiment.
In the present embodiment, the destination information generation unit 407 has been configured to generate destination information (email) based on an instruction from the determination unit 402, but the present invention is not limited to this. For example, the destination information generation unit 407 may be configured to generate destination information (email) based on an instruction from the authentication unit 405. In this case, the configuration is as follows. When the determination unit 402 determines that the customer information is not information received from the line authentication network 60 and the authentication unit 405 authenticates that the customer information is a valid user, the authentication unit 405 receives the destination information (mail). Is generated to the destination information generation unit 407. The destination information generation unit 407 generates destination information based on an instruction from the authentication unit 405.
In the process of step S305 in FIG. 11, when the communication terminal 10b is in a state where communication with the HGW 20 is possible (a state in which the radio wave of the HGW 20 is received), the communication terminal 10b automatically (without user operation) It may be configured to connect to the line authentication network 60 via the network.
In the present embodiment, a configuration is shown in which payment is performed only for the communication terminal 10b that has accessed the payment server 40b via the line authentication network 60, but the present invention is not limited to this. For example, when the customer information (for example, email address) on the settlement server 40b is restricted to be registered only in a state where it is connected to the line authentication network 60 in advance, there is little possibility that the email address is falsified. Therefore, the payment can be completed even by connection from other than the line authentication network 60.

  The embodiment of the present invention has been described in detail with reference to the drawings. However, the specific configuration is not limited to this embodiment, and includes designs and the like that do not depart from the gist of the present invention.

10 (10a, 10b) ... Communication terminal (terminal device), 20 ... HGW, 30 ... Merchandise transaction server, 40 (40a, 40b) ... Payment server, 50 ... Network, 60 ... Line authentication network, 101 ... Communication unit, 102 ... Control unit, 103 ... Input unit, 104 ... Display unit, 105 ... Reservation information storage unit, 106 ... Destination information storage unit, 401 ... Communication unit, 402 ... Determination unit, 403 ... Reservation information generation unit, 404 ... Settlement information storage 405: Authentication unit 406 ... Settlement unit 407 ... Destination information generation unit

Claims (4)

A determination unit that determines whether authentication information received from a terminal device when a product is purchased is information received from a network that requires line authentication;
An authentication unit for authenticating a user of the terminal device using the authentication information;
The received authentication information is information received from the network that requires the line authentication, and a settlement unit that settles the price of the product purchased by the user when the user is authenticated;
When it is determined that the received authentication information is not information received from a network that requires the line authentication, price settlement information that is used later to settle the price of the product is transmitted to the terminal device A communication department;
With
The settlement unit
A settlement server that settles a price for a product purchased by the user when the price settlement information is received from the terminal device via a network that requires the line authentication. A payment system comprising a user terminal device and a payment server,
The terminal device
A transmission unit for transmitting authentication information to the settlement server;
The payment server
A determination unit that determines whether authentication information received from a terminal device when a product is purchased is information received from a network that requires line authentication;
An authentication unit for authenticating a user of the terminal device using the authentication information;
The received authentication information is information received from the network that requires the line authentication, and a settlement unit that settles the price of the product purchased by the user when the user is authenticated;
When it is determined that the received authentication information is not information received from a network that requires the line authentication, price settlement information that is used later to settle the price of the product is transmitted to the terminal device A communication department;
With
The settlement unit
A price settlement system that settles a price for a product purchased by the user when the price settlement information is received from the terminal device via a network that requires the line authentication. A determination step of determining whether or not the authentication information received from the terminal device when the product is purchased is information received from a network that requires line authentication;
An authentication step of authenticating a user of the terminal device using the authentication information;
A settlement step in which the received authentication information is information received from the network that requires the line authentication, and when the user is authenticated, a payment step of paying for a product purchased by the user;
When it is determined that the received authentication information is not information received from a network that requires the line authentication, price settlement information that is used later to settle the price of the product is transmitted to the terminal device A communication step;
Have
The settlement step includes
A price settlement method that settles a price for a product purchased by the user when the price settlement information is received from the terminal device via a network requiring the line authentication. A determination step of determining whether or not the authentication information received from the terminal device when the product is purchased is information received from a network that requires line authentication;
An authentication step of authenticating a user of the terminal device using the authentication information;
A settlement step in which the received authentication information is information received from the network that requires the line authentication, and when the user is authenticated, a payment step of paying for a product purchased by the user;
When it is determined that the received authentication information is not information received from a network that requires the line authentication, price settlement information that is used later to settle the price of the product is transmitted to the terminal device A communication step;
To the computer,
The settlement step includes
A computer program for paying for a product purchased by the user when the price settlement information is received from the terminal device via a network requiring the line authentication.

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