JP3459376B2 - Electronic financial transaction system, electronic credit card system, electronic installment installment system, and electronic money system using mobile terminal with mobile phone function - Google Patents

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic financial transaction system, an electronic credit card system, and an electronic individual product installment using a mobile terminal having a mobile phone function (including a mobile phone having a high processing capability). System, electronic money system.

[0002]

2. Description of the Related Art Electronic financial transaction system An electronic financial transaction system is a system for performing a transfer from a user's account to another account, a transfer deposit, a balance inquiry, etc., only by exchanging electronic data.

In principle, an electronic financial transaction system is one in which a user requests a financial institution to communicate, and after some authentication processing of the person, the person manipulates the amount of money according to the request of the person. is there.

In the technical field of this electronic financial transaction system, data leakage, in particular, the user's account number, personal identification number, etc. (these information is referred to as "financial information" in this specification).
Call. ) Is very important to prevent from being known to a third party.

In the conventional electronic financial transaction system, an electronic financial transaction terminal and a processing system of a financial institution are connected by a dedicated line,
By exchanging electronic data on a one-to-one basis, personal authentication and financial transaction processing were performed. By using the leased line, the financial related information is prevented from leaking to the outside by the electronic financial transaction.

On the other hand, recently, an electronic financial transaction system using a mobile phone has been realized.

The electronic financial transaction system using the mobile phone is based on the reliability of the mobile phone communication network.

[0008] Communication by a mobile phone has a unique technique such as confirmation of a transmitting / receiving party, holding of a communication channel, encryption of communication contents, etc., and highly secure communication security. The electronic financial transaction system using the mobile phone is based on the reliability of the mobile phone communication network. That is, the electronic financial transaction system using the mobile phone exchanges financial-related information on the mobile phone communication network in the electronic financial transaction, assuming that communication by the mobile phone is not leaked to the outside.

Electronic Credit Card System The electronic credit card system is a business transaction in which trading cards are exchanged between parties involved in buying and selling, the amount used, the credit card company's approval and the approval number, etc. by electronic data exchange. Is a system to complete.

The electronic credit card system of the present invention uses a "mobile terminal having a mobile phone function" described later as a credit card. That is, the present invention uses wireless, and can also use a medium such as the Internet, which is not very high in security reliability.

As far as the applicant of the present invention is aware, such an electronic credit card system has not existed in the past. Therefore, here, a brief description will be given of a conventional commercial transaction using a credit card.

[0012] Conventional credit card commercial transactions are
It uses a credit card originally issued by the card company, a terminal called a card reader, and a telephone line or a leased line.

In the conventional credit card commercial transaction, a user submits a credit card in response to a bill payment request from a card member store. The member store reads the card number on the card with the card reader and sends it along with the billed amount to the card company via a telephone line or a leased line. In response to the request to use the card, the card company checks the usage limit amount of the user, etc., and when it determines that the user can use the card, returns the approval data of "approval number" to the card reader of the member store. The member store receives the signature of the card user's payment and delivers the product, on condition that the above-mentioned “approval number” is received.

Regarding the settlement of the actual fee, the card company will pay the member store later and the card user will pay the card company.

In the conventional commercial transaction using a credit card, leakage of card information is prevented by using a private line or a relatively reliable telephone line.

Electronic Individual Product Installment System The electronic individual product installment system is designed to enable an individual product installment contract between a credit sales company and a customer by exchanging electronic data when making so-called installment payments for individual products. System.

The electronic individual product installment system of the present invention also uses a "mobile terminal having a mobile phone function", as in the electronic credit card system described above.
As far as the applicant of the present invention is aware, such a system has not existed in the past. Therefore, here, the commercial transaction based on the conventional individual product installment will be briefly described.

In the conventional individual product installment transaction, existing communication tools such as fax and telephone are used, and a contract is made between a credit sales company (hereinafter referred to as "credit sales company") and a customer by a primitive method. I was there.

For example, when a customer decides to purchase a product by the installment payment method, the dealer causes the customer to write various data for the individual installment contract on a predetermined form.

After the customer fills out the form, the store is faxed
Send the data entered on the form to the credit company. The credit sales company conducts a credit check of the customer based on the received data and judges whether or not the individual product installment contract can be accepted.

When it is determined that the credit sales company may conclude an individual installment contract, the credit sales company confirms the intention of the individual by telephone or the like, and at the same time, notifies the dealer to approve the delivery of the product. As a result, the product is delivered to the customer, who then pays the installment payment to the credit company based on the contract.

In this conventional individual product installment commerce, each credit company independently conducts a credit check of the customer, and the contract business is performed on behalf of the store. The credit company and the customer, who are actually the contracting parties, have mutually confirmed the intentions of each other by another communication medium such as a telephone.

Electronic Money System The electronic money system is a system for exchanging electronic data of a monetary amount in a commercial transaction without actually exchanging money.

Conventionally, various electronic money systems have been proposed.

Currently, the most widely used system uses an IC card. With this system, ICs must be stored in advance so that a certain amount of money is put in the wallet.
A predetermined amount of electronic money is stored in the card. When the electronic money is stored in the IC card, the processing system of the financial institution communicates with the IC card, the processing system of the financial institution identifies the IC card, and the electronic money stores the identification data of the account of the IC card owner. Attach and issue.

When using the above-mentioned IC card to use electronic money, the IC card is inserted into the IC card reader of the store, and the IC card reader and the IC card communicate with each other so that the store side holds the IC card owner. Upon receiving the electronic money in the name, the IC card side will reduce the amount by the amount paid to the store side.

After that, the retailer requests the financial institution to make a payment, and the processing system of the financial institution deducts only the electronic money received by the retailer from the IC card owner's account and pays the retailer the requested amount. .

As is apparent from the above description, the conventional electronic money system has the processing system of the financial institution and the IC.
The IC card owner is authenticated between the card or the IC card reader of the store and the IC card.

According to this method, since the IC card and the IC card reader directly communicate with each other at a short distance, there is less possibility that the financial information of the electronic money owner will be leaked to the outside.

[0030]

However, each of the conventional systems described above has the following problems to be solved.

Electronic Financial Transaction System A conventional electronic financial transaction system using a mobile phone exchanges user financial related information on the mobile phone communication network on the premise of reliability of the mobile phone communication network as described above. .

However, important financial information such as the user's personal identification number and account number should not be distributed on a widely opened communication network even though it is a mobile phone communication network.

In recent years, there are many mobile phones and mobile terminals that use the Internet as a communication means. This is because the Internet is extremely convenient as a widely shared communication medium, and may be used for communication in the future.

On the other hand, the Internet has a property that data passes through another person's network, and therefore the reliability of data security is not high.

However, if the above-mentioned data security problem can be overcome, the electronic financial transaction system using the Internet has a wider possibility of use than a mobile telephone communication network.

Therefore, the problem to be solved by the present invention is to develop a system capable of conducting electronic financial transactions using portable information equipment without distributing important financial information on a communication network. To do. This provides an electronic financial transaction system that can use a very convenient communication medium such as the Internet, which has low reliability of data security.

Electronic Credit Card System In conventional credit card commercial transactions, card information such as a card number is communicated using a telephone line or a dedicated line.

However, the forms and demands of commercial transactions using credit cards have spread to various business fields. For example, in the case of mail order, there are a wide range of customers who want to use a credit card, and there are also a wide range of member stores that want to meet the demands of those customers.

On the other hand, the conventional commercial transaction method using a credit card is not suitable for a commercial transaction between remote places which is not directly connected by a leased line or a telephone line.

This is because the card information may be leaked from the communication line, and if the transaction is not a face-to-face transaction, the transaction partner cannot be directly confirmed, so it is difficult to prevent an improper transaction impersonating another person.

Therefore, the problem to be solved by the present invention is to prevent leakage of card information and unauthorized use of a fraudulent credit card to impersonate another person, and to enable secure commercial transaction with a credit card between remote areas. It is to provide a credit card system.

Electronic individual product installment system Conventional individual product installment commerce transactions are difficult to process quickly.

As described above, the conventional individual product installment transaction is as follows:
The distributor signs an individual installment contract with the customer on behalf of the credit company. The credit sales company conducts a credit check of the customer with its own information based on the data sent from the store by communication means such as Fax. After the credit check, at the stage of concluding a contract, the customer's intention is confirmed by telephone from the credit sales company.

However, it takes a considerable amount of time to complete the data for the individual installment contract, the credit check at the credit sales company, and the identity confirmation by telephone, and it takes a long time to complete the individual installment contract. Was needed.

Further, since the credit check of the customer was carried out by each credit company based on its own information, each credit company carried out the same check in duplicate for the same customer.

For this reason, if the customer information already accumulated in the credit card company is effectively used in each credit company,
It is expected that the credit check of the customer can be performed quickly and the credit check with high reliability can be expected.

Therefore, the problem to be solved by the invention of the present application is to provide an electronic individual product installment system capable of quickly concluding an individual installment installment contract and effectively utilizing customer information to perform a highly efficient customer credit survey. To provide.

Electronic Money System Since the conventional electronic money system uses an IC card, it requires system equipment such as an IC card and an IC card reader. This IC card and IC card reader
In order to widely use electronic money, it is necessary to install many. Therefore, the overall cost of the facility is quite high.

The IC card and IC card reader may be a dedicated system for electronic money.
It reduces investment efficiency.

In addition, an electronic money system using an IC card is not convenient for issuing and returning electronic money.

This is because the IC card communicates at a very short distance, so it is necessary to insert the IC card directly into the processing system of a financial institution in order to issue or return electronic money. This is
The convenience of electronic money is not compromised. On the other hand, by exchanging electronic data, issuing electronic money,
The development of a reversible technology was awaited.

Therefore, the problem to be solved by the present invention is to provide an electronic money system which can utilize existing facilities, has a high investment efficiency, and is safe and convenient.

[0053]

[Means for Solving the Problems] Electronic financial transaction according to the present invention
From the mobile terminal to the financial system
Financial transaction including transaction amount and mobile terminal identification data
The next data is received, and the mobile terminal identification data indicates
Make a confirmation contact with a mobile device to make a true financial transaction request.
If you confirm that
From the relevant financial information database to manage the mobile
Search the financial information of the user of the terminal, and
Generate secondary financial transaction data by adding to primary transaction data
The secondary data of the financial transactionThrough a dedicated lineFinancial machine
Mobile phone system to send financial transaction processing
It has a center. Starting
The electronic financial transaction system according to Ming
The financial transaction menu is displayed, and the type of financial transaction and the required transaction are displayed.
Enter the withdrawal amount and enter the entered data on the mobile terminal
Generate financial transaction primary data by adding identification data and
Send it to the bail center for the above primary data of financial transactions.
Attach financial-related information corresponding to the mobile terminal identification data
To generate secondary financial transaction data, Said financial transaction
The following data is sent to the financial institution system via a dedicated line.
LetCharacterized by having a mobile terminal
It The electronic credit card system according to the present invention is
Member code, amount, payment method, product from the bail terminal
Purchasing data and mobile devices including codes and invoice codes
The card use primary data including identification data is received, and
From registered card usage data to registered users and member stores
Confirm that there is, and store and manage the card information of each user
Card information database and the mobile terminal identification data
The card information of the mobile device is obtained from the
Is added to the above-mentioned card usage primary data and the card usage secondary
Generate data, and use the secondary data for card usageLeased line
ThroughAccept the card by sending it to the card company system
It has a mobile center to perform the authorization process.
It is a characteristic. Electronic credit car according to the present invention
The debit system is a merchant code, money
Purchase including amount, payment method, product code, invoice code
Primary card usage including data and mobile device identification data
After receiving the data, the registration data is registered from the card use primary data.
User and registered member store,
In front of a card information database that stores and manages card information
From the mobile terminal identification data, the car
Card information and attach this to the card usage primary data
In addition, generate secondary data for card use, and use the card
Secondary dataThrough a dedicated lineSend to card company system
The mobile sensor that accepts and processes the approval of card use.
It is characterized by having a target. For the present invention
The electronic credit card system that meets the needs of users
Display the input screen for more card use, and
Member code, amount, payment method, product code, bill
Enter the purchase data including the letter code,
Mobile device identification data is added to the
Card and send it to the mobile center
The data corresponding to the mobile terminal identification data is used as the primary usage data.
The card use secondary data is generated by adding the card information.
Set the secondary data of card usageThrough a dedicated linecar
Do you have a mobile terminal to send to the company system?
It is characterized by. Electronic credit according to the present invention
The card system requires the use of electronic credit cards
If so, the member store salesperson will receive the member store code, amount, and
Purchasing data including payment method, product code, invoice code
Input, send the purchase data to the mobile terminal,
Request the user confirmation input from the mobile terminal, and
User confirmation input, the purchase data
Card usage primary data with additional terminal identification data
Is generated, sent to the mobile center, and
The mobile device identification to the card primary data
Use card by adding card information corresponding to data
Generate the following data,designated
Through the lineSend to card company system and use card
To have an e-commerce terminal that allows the approval process of
It is a feature. Electronic credit card according to the present invention
The credit system requires the use of an electronic credit card.
When you get a payment, the member store code, amount, and payment will be paid to the member store salesperson.
At least a part of the
Input purchase data including the data, and move the purchase data to mobile
Send to the terminal and confirm the user's confirmation on the mobile terminal
If there is a confirmation input from the user,
Add mobile terminal identification data to purchase data
Card usage primary data is generated, and the generated card profit is generated.
Receive the primary data for use, enter confirmation and
If the buy data has a remaining portion,
Enter the data and send it to the mobile center.
Mobile terminal to the primary data of the above-mentioned card in Il Center
Card by adding card information corresponding to end identification data
Use secondary data is generated and the card use secondary data is generated.
ToThrough a dedicated lineCar to send to the card company system
It has an electronic commerce terminal that allows you to perform approval processing
It is characterized by that. Electronic individual item discount according to the present invention
The payment system is a member store code, money from the electronic commerce terminal.
Purchase data including amount, payment method, product code, and invoice code
Data of individual product installment including data of mobile terminal and mobile device
Data from the individual product installment primary data
Search the card information on the terminal and use this to find the individual product installment primary
Data to generate individual product installment secondary data, and
Send the installment secondary data to the card company system and
The individual company installment secondary data included in the company
The customer information that corresponds to the card information
Swap customer information and card information of the individual product installment secondary data
Let's generate individual product installment tertiary data and send this to the credit sales
Company system to send a contract to the credit company system
If it is judged that it is possible to make an individual installment contract,
Create contract data, receive this contract data,
Send to the electronic commerce terminal, the individual product discount to the electronic commerce terminal
Have a mobile center that outputs contract contracts
It is characterized by. Electronic individual product installment method according to the present invention
The system can check the member store code, amount, and
Purchase data including payment method, product code, invoice code
Receives individual product installment primary data including mobile terminal identification data
The customer information center
The customer information corresponding to the mobile terminal identification data
Search and attach this customer information to the individual product installment primary data
The individual product installment secondary data is generated and the individual product installment is added.
Send secondary data to the credit sales company system
Allow individual company installment contracts to be made by the company system
If it is judged that it is Noh, the contract data is created and this contract data is
Data to the electronic commerce terminal,
A mobile phone that outputs a contract for individual installment payments to a commercial transaction terminal.
It is characterized by having a center. In the present invention
This electronic individual product installment system is a member from an electronic commerce terminal.
Store code, amount, payment method, product code, invoice code
Purchase data including at least a part of
The data is displayed and the data required for the individual installment contract is displayed to the user.
Input, and when the user's input is
Generate individual product installment primary data by adding terminal identification data
And a mobile terminal that returns this to the electronic commerce terminal
It is characterized by having. Individual according to the present invention
The product installment system consists of member store code, amount, payment method,
Purchasing data including product code, invoice code and mobile terminal
Individual product installment secondary data including end identification data and card information
Cards received and included in the individual product installment secondary data
The customer information corresponding to the information is retrieved, and the customer information and the
Individual product installment Replace the card information of the secondary data with individual product installment
Produces tertiary distribution data and credits this individual product installment tertiary data
Have a card company system that sends to the company system
And are characterized by. Individual product installment cis according to the present invention
Tem is a member store code, amount, payment method, product code,
Purchasing data including invoice code and mobile device identification data
Data of the individual product installment including data
The customer information corresponding to the end identification data is searched and this customer information is retrieved.
Information is added to the individual product installment primary data to add individual product installment secondary data.
Data is generated, and this individual product installment secondary data is transferred to the credit sales company system.
It has a customer information center to send to the system
To do. The electronic money system according to the present invention is
Randomly select a given credential generation algorithm and
The mobile terminal's
Each mobile end from the talk number or mobile terminal identification data
Generate individual authentication information corresponding to the end of the
Distribute to each mobile terminal and generate the authentication information
Mobile center that distributes the system to the electronic commerce terminal
It is characterized by having. Electronic according to the present invention
The money system uses the mobile terminal
Receives primary data for electronic money issuance request including end identification data
The user's money according to the mobile terminal identification data.
Financial information database that stores and manages financial information
Search for financial information of the user of the mobile device
Then, the electronic money is added to the electronic money issuance request primary data and electronically added.
Generates secondary data for issuing money and issues the electronic money
Row request secondary dataThrough a dedicated lineFinancial institution system
Electronic money issuance number sent to the financial institution system
And a mobile center for sending electronic money issuance
It is characterized by doing. Electronic machine according to the present invention
The Nai system allows you to access the merchant code,
Purchase data including amount, payment method, product code, and invoice code
Receive at least part of the data and display the purchase data
Prompt the user to enter a confirmation, and
If there is an input, the purchase data will contain the specified authentication information.
Phone number of the mobile terminal using the generation algorithm
Alternatively, the authentication information calculated from the mobile terminal identification data
Information and its mobile phone number or mobile device
The identification data is added to the above as electronic money payment data.
Having a mobile terminal that sends to an e-commerce terminal
It is a feature. Electronic money system according to the present invention
In the mobile terminal, the merchant code, amount, payment method,
At least purchase data including product code and invoice code
Also send a part of the purchase data from the mobile terminal
And using the specified authentication information generation algorithm,
Phone number or mobile terminal identification data
The authentication information calculated from the
Electronic money account with mobile terminal identification data
Receive payment data and use the authentication information generation algorithm
Received the mobile phone number or mobile
Authentication information is calculated from the terminal identification data, and the calculated
Certificate information and authentication information in the received electronic money payment data
It also has an electronic commerce terminal for collating
Of.

[0054]

BEST MODE FOR CARRYING OUT THE INVENTION Next, an application form for an embodiment of "an electronic financial transaction system, an electronic credit card system, an electronic individual product installment system and an electronic money system using a mobile terminal having a mobile phone function" according to the present invention The following description will be made with reference to the drawings attached to.

1. Electronic Financial Transaction System 1.1 Overall Configuration of System FIG. 1 shows the configuration of an electronic financial transaction system according to the present invention and the flow of processing thereof.

As shown in FIG. 1, the electronic financial transaction system 1 of the present invention comprises a mobile terminal 2, a mobile center 3, a financial institution system 4, and a call center 5. These systems perform various processes described below as systems of parties involved in electronic financial transactions, and complete electronic financial transactions as a whole while communicating data with each other.

The mobile terminal 2 is a portable information device having both a function as a mobile phone and a function as an information processing terminal. The mobile terminal 2 has various devices for communicating with other phones using a mobile phone communication network as a mobile phone. On the other hand, the information processing terminal includes an input unit, an output unit, a display device, a storage processing device, and the like for information processing. It is preferable that the various devices as the mobile phone and the various devices as the information processing device are used as much as possible.

For example, FIG. 1 shows an example of one form of the mobile terminal 2, but the exemplified mobile terminal 2 is shown.
Is equipped with a touch panel that doubles as a display device and an input device on the main unit.This touch panel displays a dial input screen when used as a mobile phone, and an input screen when used as an information processing terminal. Display the output screen. In addition, a processing device, a storage device, and the like that perform data processing as a mobile phone and data processing as an information processing terminal are housed inside the main body.

The mobile terminal 2 is a terminal for electronic financial transactions, a credit card,
It is a terminal for electronic individual product installment and a container for electronic money.

The mobile center 3 is equipment equipped with a system for information processing which is configured to be communicable with the mobile terminal 2 through the communication network 6.

The communication network 6 is a concept including a mobile phone communication network, a public line network, the Internet and the like. The mobile telephone communication network is used for telephone communication, but in order to take advantage of the electronic financial transaction system according to the present invention, a mobile telephone communication network, a public line network, or the Internet is used between the mobile terminal 2 and the mobile center 3. Use both.

Although the mobile center 3 is preferably a mobile phone operator in view of business equipment efficiency,
You may not be a mobile phone operator as long as the following processes are performed.

The financial institution system 4 is an information processing system installed in the financial institution. Here, a financial institution is
For example, banks, post offices, credit card companies, credit companies, etc.

According to the present invention, electronic financial transactions across a plurality of financial institution systems 4 can be centrally processed by one mobile center 3.

The financial institution system 4 is communicatively connected to the mobile center 3 via a communication line 7. The communication line 7 may be a dedicated line, a public line, a wireless line, or the like. However, as will be described later, since the communication line 7 is used for distributing important data, it is preferable that the communication line 7 has a high security reliability, generally a dedicated line.

The call center 5 is the mobile center 3
It is a manned facility that is systematically connected to the mobile terminal 2 and is capable of telephone contact.

1.2 Internal Configurations of Mobile Terminal, Mobile Center, and Financial Institution System Next, internal configurations of the mobile terminal 2, mobile center 3, and financial institution system 4 will be described below.

The mobile terminal 2 uses the financial transaction requesting means 8
, Financial transaction confirmation means 9, and daily authentication information management means 10
And return message means 11 and mobile side input means 1
2, mobile-side communication means 13, mobile-side display means 14, and mobile-side storage device 15. The mobile storage device 15 is a financial transaction data storage means 16
And a daily authentication information storage means 17.

The financial transaction requesting means 8 is a processing means for the user to start an electronic financial transaction. Specific processing will be described later.

The financial transaction confirmation means 9 is a means for the user to confirm the results of electronic financial transactions. Specific processing will be described later.

The daily authentication information management means 10 is a means for managing the user authentication information distributed every day. Specific processing will be described later. If the daily authentication information is not distributed, the daily authentication information management means 10
Can be omitted.

The return message means 11 returns a return message or a non-return message when the mobile terminal 2 returns to the charger or, conversely, does not return to the charger (these are collectively referred to as return message). ) Is automatically transmitted. If the return confirmation of the mobile terminal 2 is not performed, the return message means 11 can be omitted.

The financial transaction requesting means 8, the financial transaction confirming means 9, the daily authentication information managing means 10, and the return message means 11 are means included in the processing device of the mobile terminal 2.

The mobile side input means 12 is means for inputting when making a telephone call or an electronic financial transaction.

The mobile side communication means 13 is a communication means provided in the mobile terminal 2. Mobile communication means 1
Reference numeral 3 preferably serves as both a communication means as a mobile phone and a communication means as an information processing terminal.

The mobile side display means 14 is a display means provided in the mobile terminal 2. Mobile side display means 1
Reference numeral 4 is a mobile phone for displaying the other party of the call and various information screens for displaying various screens and messages.

The mobile storage device 15 is a storage device provided in the mobile terminal 2. Mobile storage device 1
The mobile phone 5 stores a telephone number and the like, and also stores various data as an information processing terminal.

When the mobile storage device 15 functions as a means for storing the user's electronic financial transaction record data, it becomes the financial transaction data storage means 16. Further, when the daily authentication described later is stored, the daily authentication information storage means 17 is used. When the daily authentication is not distributed, the daily authentication information storage means 17 can be omitted.

The above is the configuration of the mobile terminal 2,
Next, the configuration of the mobile center 3 will be described.

The mobile center 3 has a center-side communication means 18, a financial transaction relay means 19, a financial transaction data distribution means 20, a financial transaction authentication means 21, a daily authentication means 22, and a high-value transaction warning means 23. It has a return message sending means 24 and a center side storage device 25.
The center-side storage device 25 has a financial-related information database 26, a financial transaction database 27, a profile database 28, and a daily authentication information database 29. In FIG. 1, “database” is abbreviated as “DB” and displayed.

The center side communication means 18 is a communication means provided in the mobile center 3. The center-side communication unit 18 is a unit that can communicate with the mobile terminal 2 and the financial institution system 4 via the communication network 6 or the communication line 7.

The financial transaction relay means 19 is the mobile terminal 2
When there is a request for a financial transaction from the financial institution system 4, the financial transaction request is relayed to the financial institution system 4, or the message or data from the financial institution system 4 is relayed to the mobile terminal 2 in connection with the electronic financial transaction. is there. Specific processing of the financial transaction relay means 19 will be described later.

The financial transaction data distribution means 20 is means for distributing the record data of the electronic financial transaction of each user received from the financial institution system 4 to the mobile terminal 2 of each user. The specific processing of the financial transaction data distribution means 20 will be described later.

The financial transaction data distribution means 20 can be omitted when the actual data of the electronic financial transaction is confirmed in another form.

The financial transaction authentication means 21 is the mobile terminal 2
It is a means for checking whether or not the electronic financial transaction request is from a legitimate user when the electronic financial transaction request is received from the user. In one embodiment of the present invention, personal authentication is performed using information called “profile data”, and this processing will be described later.

The financial transaction authentication means 21 is for improving the security reliability just in case, so that it can be omitted depending on the system configuration.

The daily authentication means 22 generates and distributes different authentication information for each day, and when there is a request for an electronic financial transaction, means for determining whether or not the request is from an authorized user based on the daily authentication information. Is.

Since the daily authentication means 22 is also a means to make sure that the security reliability is improved, this can be omitted depending on the system configuration. Specific processing of the daily authentication means 22 will be described later.

The high-value transaction warning means 23 causes the call center 5 to call the electronic financial transaction request exceeding the predetermined limit even if it is determined by the authentication process that the electronic user requests the electronic financial transaction. This is a means to have the person directly confirm. The high-value transaction warning means 23 is a means for human identification in addition to machine processing. By performing human identification in addition to machine processing, the safety of electronic financial transactions can be further enhanced. The specific processing of the high-value transaction warning means 23 will be described later.

The return message sending means 24 is means for automatically sending a return message to the user registered mail address when receiving the return message from the mobile terminal 2.

The mobile terminal 2 requires charging, and
Since the charger is usually at the owner's home, the mobile terminal 2 is likely to have been lost if it is not charged, and this is notified to the mobile terminal owner by another medium. Specific processing by the return message sending means 24 will be described later.

The return message sending means 24 is provided in case the mobile terminal 2 is lost, and is added to the main part of the present application such as electronic financial transactions. Therefore, the return message sending means 24 can be omitted depending on the system configuration.

The center storage device 25 is a storage device provided in the mobile center 3. Usually, the mobile center 3 can be equipped with a large-scale storage device,
The center-side storage device 25 can also store various databases. In the electronic financial transaction system 1 according to the present embodiment, the financial related information database 26, the financial transaction database 27, the profile database 28,
The daily authentication information database 29 is the center storage device 2
It is stored in 5.

The financial related information database 26 is a database for storing and managing the financial related information of the user.
The “financial-related information” is information such as the account number, personal identification number, card number of a credit card, and the like, which is necessary for a financial institution to authorize a financial transaction of a user. The same applies hereinafter in this specification.

The financial transaction database 27 is a database that stores and manages actual data of electronic financial transactions of users. The electronic financial transaction data is sent from the financial institution system 4 to the mobile center 3 at regular intervals and stored in the financial transaction database 27. The financial transaction database 27 can be omitted when the actual data of the electronic financial transaction is confirmed in another form.

The profile database 28 is a database for storing and managing the profile data for performing the above-mentioned personal authentication. A plurality of profile data is registered by the user in advance for each user. The profile database 28 can be omitted in the case of a system in which the user is not authenticated by the profile data.

The daily authentication information database 29 is a database for storing and managing the daily authentication information generated by the daily authentication means 22 described above. The daily authentication information database 29 can be omitted if the system does not perform the authentication by the daily authentication information.

The configuration of the mobile center 3 has been described above. Next, the configuration of the financial institution system 4 will be described.

The financial institution system 4 has a financial institution side communication means 30, a financial transaction processing means 31, a financial transaction data transmission means 32, and a financial transaction side storage device 33. The financial transaction side storage device 33 includes a financial database 34.
have.

The financial institution side communication means 30 is a communication means provided in the financial institution system 4. The financial institution side communication means 30 is configured to be communicable with the center side communication means 18 of the mobile center 3 through the communication line 7.

The financial transaction processing means 31 is means for executing the processing of the financial transaction when the user's financial transaction request is relayed from the mobile center 3.

The financial transaction data transmitting means 32 is means for transmitting the actual data of the electronic financial transaction of the user. The financial transaction data transmitting means 32 can be omitted when the electronic financial transaction record data is notified to the user by a method different from the present embodiment.

The financial transaction side storage device 33 is a storage device provided in the financial institution system 4. The financial transaction side storage device 33 mainly stores a financial database 34 that manages financial data such as a user's account balance.

The above is the description of the internal configuration of the mobile terminal, mobile center, and financial institution system of this embodiment.

1.3 Process Flow of Electronic Financial Transaction System 1 Next, a process flow of electronic financial transaction by the electronic financial transaction system 1 of the present embodiment will be described below.

FIG. 2 shows the overall processing flow of the electronic financial transaction system 1.

The processing by the electronic financial transaction system 1 is performed by the mobile terminal 2 to generate and transmit primary data of financial transaction,
A series of processes including generation and transmission of financial transaction secondary data by the mobile center 3 (financial transaction primary data with financial-related information added is called electronic financial secondary data) and processing of financial transactions by the financial institution system ( S100-S
300) is central.

For the processing of S100 to S300,
Financial transaction record confirmation processing to improve transaction security (S4
00-S600), profile authentication processing (S700-)
S900), daily authentication processing (S1000 to S120)
0), high-value transaction confirmation processing (S1300, S1400),
The return confirmation process (S1500, S1600) is appropriately added depending on the configuration of the system.

1.3.1 Basic Electronic Financial Transaction System Processing (S100 to S300) In the basic electronic financial transaction system processing, first, the mobile terminal 2 performs the "financial transaction primary data" at the time of electronic financial transaction. Is generated (S100). Here,
"Financial transaction primary data" refers to data that is of no value to a third party, such as the type and amount of financial transaction, own telephone number, or mobile terminal identification data.

Next, in the mobile center 3 which has received the "financial transaction primary data", after the confirmation communication, the financial related information of the person concerned is added to the "financial transaction primary data" to generate "financial transaction secondary data". (S200). Since the financial transaction secondary data includes financial-related information, it is necessary to maintain high security. The generated “financial transaction secondary data” is transmitted to the financial institution system 4.

The mobile center 3 performs confirmation communication with the mobile terminal of the mobile terminal identification data included in the primary financial transaction data before generating the secondary financial transaction data.

The financial institution system 4 that has received the financial transaction secondary data executes the financial transaction processing based on the information included in the financial transaction secondary data (S300).

The above processing will be described in more detail below with reference to FIG.

When starting an electronic financial transaction, the user (the owner of the mobile terminal 2) activates the financial transaction requesting means 8 by a predetermined operation.

The activated financial transaction requesting means 8 causes the mobile side display means 14 to display the financial transaction menu (S1).
10). With this financial transaction menu, the user inputs the financial transaction type and the required transaction amount through the mobile side input means (S120).

Next, the financial transaction requesting means 8 adds the mobile terminal identification data to the inputted data such as the type of financial transaction and the required transaction amount to generate the primary financial transaction data,
This is transmitted to the mobile center 3 by the mobile communication means 13 (S130).

In the mobile center 3 which has received the financial transaction primary data, the financial transaction relay means 19 functions as the center side communication means 18 and transmits it to the mobile terminal of the mobile terminal identification data included in the financial transaction primary data. It is confirmed that a financial transaction request is issued from the mobile terminal (S140).

Since this confirmation communication is started to be transmitted from the mobile center 3 side to the mobile terminal 2 which has made a financial transaction request, the mobile center 3 is, for example, using a computer.
It is possible to prevent fraudulent activities such as accessing to and impersonating another person and requesting financial transactions.

Confirmation communication can also be performed as one of the communication protocols of the mobile terminal 2 and the mobile center 3. Alternatively, the contents of communication can be temporarily held in the mobile center 3 and the mobile center 2 can access the mobile terminal 2. The confirmation communication from the mobile center 3 can also be performed from the mobile terminal 2 through a communication route different from the financial transaction request. For example, a regular user may be requested to communicate with another route via a mobile phone communication network.

The financial transaction relay means 19 accesses the financial information database 26 on the condition that the request for electronic financial transaction is confirmed to be true by the confirmation communication (S150), and the mobile terminal 2 of the mobile terminal 2 concerned. The financial related information of the user is searched and the searched financial related information is added to the financial transaction primary data to generate the financial transaction secondary data.

Next, the financial transaction relay means 19 sends the generated financial transaction secondary data to the financial institution system 4 via the communication line 7 by the center side communication means 18 (S160).

As described above, since the communication line 7 is a line with high security reliability such as a private line, the financial information of the user will not be leaked to the outside.

In the financial institution system 4 which has received the financial transaction secondary data, the financial transaction processing means 31 accesses the financial database 34 on the basis of the financial transaction secondary data to transfer, transfer, inquire, etc., the user's account. A financial transaction is processed (S170).

The main processing of the electronic financial transaction is completed as described above. If necessary, after processing the financial transaction, the mobile terminal 2 from the financial institution system 4 via the mobile center 3
The results of the transaction can be sent to.

According to the electronic financial transaction system 1, the contents of data transmitted from the mobile terminal 2 to the mobile center 3 are subject to plagiarism such as the number and identification data of the mobile terminal 2, the type of financial transaction, and the amount of money. This is primary data for financial transactions that cannot be achieved. On the other hand, financial-related information that can be stolen is transmitted and received between the mobile center 3 and the financial institution system 4 through the communication line 7 having extremely high security reliability. Even if the primary data of the financial transaction is transmitted by impersonating another person using a computer or the like, only the registered user can perform the financial transaction by the confirmation communication from the mobile center 3 to the authorized user.

As a result, a highly reliable electronic financial transaction system can be realized.

Since the financial transaction primary data is data that is not subject to plagiarism, an open communication network 6 such as the Internet can be used. As a result, the use range of the mobile terminal 2 is not limited to the mobile phone communication network, and it is possible to use the communication network with the simplest connection anywhere.

As a result, it is possible to realize a convenient electronic financial transaction system with a very wide range of use.

1.3.2 Financial Transaction Result Confirmation Process Next, the financial transaction result confirmation process (S400 to S600, FIG. 2) will be described.

In the financial transaction record confirmation processing, the record data of the financial transactions conducted up to that point is transmitted to the user for a fixed period of time to facilitate the confirmation of the user and to detect the unauthorized use at an early stage. Processing. As described above, this financial transaction record confirmation processing is added to the basic electronic financial transaction processing (S100 to S300).

In the financial transaction record confirmation processing, the financial institution system 4 transmits the financial transaction record data processed by itself to the mobile center 3 at regular intervals (S40).
0). The mobile center 3 that has received the financial transaction record data from each financial institution system 4 distributes the financial transaction record data to each user (S500). In the mobile terminal 2 that has received the financial transaction record data, the user confirms the financial transaction record data of his or her own by performing a predetermined operation (S600).

The above processing will be described in more detail below with reference to FIG.

In the financial transaction record confirmation processing, the financial transaction data transmitting means 32 of the financial institution system 4 causes the financial center side communication means 30 to use the financial center communication means 30 to transfer the record data of the electronic financial transaction, which has been processed up to that point, to the mobile center. 3 (S410).

In the mobile center 3 which has received the financial transaction record data from each financial institution system 4, the financial transaction database 27 stores and manages the financial transaction record data (S420).

The financial transaction data distribution means 20 accesses the financial transaction database 27 at regular intervals, extracts and arranges the financial transaction record data for each user, and distributes the financial transaction data to each user (S430). .

By the above-mentioned processing, even when a plurality of financial institutions different for each user are used, the processing by the financial transaction data distribution means 20 causes the data to be collected for each user and transmitted to the mobile terminal 2 of the user. From a user's point of view, compared to the case where transaction record data is conventionally sent from a plurality of financial institutions in various formats and methods, it has the advantage of being able to confirm at a glance the record of all his financial transactions.

In the mobile terminal 2 which has received the financial transaction data, the financial transaction data is confirmed by the financial transaction confirmation means 9.
(S440). This financial transaction data is stored without being displayed. This is to protect the privacy of financial transaction data.

When looking at the financial transaction data, the financial transaction confirmation means 9 accesses the financial transaction data storage means 16 by the user's predetermined operation to retrieve the data, and displays the data on the mobile side display means 14 (S450). .

The “predetermined operation” for displaying the financial transaction data may include a known personal authentication process such as a password.

The above is the flow of the financial transaction record confirmation processing.

The confirmation of the financial transaction record data can be performed “every fixed time”, but can be arbitrarily determined every day, every time there is a transaction, every week, or the like.

1.3.3 Profile Authentication Process Next, the profile authentication process (S700 to S900) will be described.

The profile authentication process prevents the confirmation communication of the above-mentioned basic process from impersonating another person by a computer separate from the mobile terminal 2, while the cheating of a person who illegally obtains the mobile terminal 2. Is a process for preventing

In this profile authentication process, the "profile data" of the authorized user is registered in advance in the mobile center 3. The profile data is, for example, arbitrary attribute data such as the age, birthday, and family birthday of a regular user. Register a plurality of registration profile data.

According to this processing, the mobile center 3 that has received the request for electronic financial transaction selects any profile data from the registered profile data of the corresponding user and starts question data before starting the specific processing. Is created and transmitted to the mobile terminal 2 (S700, FIG. 2).

In the mobile terminal 2 which has received the question data, the user is prompted to input the answer data and the answer data is sent back to the mobile center 3 (S800, FIG. 2).

The mobile center 3 which has received the response data collates the response data with the registered profile data and starts the next process on condition that the user is a legitimate user (S900, FIG. 2). .

The profile authentication process will be described below with reference to FIG.

In order to carry out the profile authentication process, profile data arbitrarily prepared by the user in advance is registered in the plural profile database 28.

When an electronic financial transaction is requested by an arbitrary user, the financial transaction authenticating means 21 in the mobile center 3 accesses the profile database 28 to extract a part of the profile data from the registered profile data of the user. Question data is selected at random, and question data for answering the profile data is created (S710). The financial transaction authentication means 21 transmits these question data to the mobile terminal 2 which requested the financial transaction by the center side communication means 18 (S720).

Mobile terminal 2 that received the question data
Then, the financial transaction requesting means 8 causes the mobile side display means 14 to display the question data, and requests the user to input the answer data by the mobile side input means 12 (S730).

When the user inputs the response data by the mobile side input means 12, the financial transaction request means 8 transmits the response data to the mobile center 3 by the mobile side communication means 13 (S740).

In the mobile center 3 which has received the response data, the financial transaction authentication means 21 collates the response data with the registration profile data, and when they match, a signal that the financial transaction request is true is sent to the financial transaction relay means 19. It is transmitted (S750).

The financial transaction relay means 19 generates the above-mentioned financial transaction secondary data on condition that the financial transaction authentication means 21 receives the signal that the financial transaction request is true.

The above is the flow of the profile authentication processing.

According to this profile authentication process, even when the mobile terminal 2 is used by a third party, the answer data of the correct profile data cannot be input unless the owner of the mobile terminal 2 is legitimate. After all, I can't impersonate another person and conduct financial transactions.

On the other hand, if the user is a legitimate user, the profile data will be asked in the form of a question about what the user has already memorized. Therefore, it is easy to surely process electronic financial transactions without forgetting. Can be done.

1.3.4 Daily Authentication Processing Next, the daily authentication processing (S1000 to S1000, FIG. 2) will be described.

The daily authentication process is intended to prevent unauthorized use by distributing different authentication information to the authorized user every day.

In this daily authentication processing, the mobile center 3 generates authentication information (daily authentication information) that differs for each day and for each user, and distributes it to each user (S10).
00, FIG. 2).

The mobile terminal 2 receives the daily authentication information and attaches the daily authentication information to the electronic financial transaction request (S).
1100, FIG. 2).

The mobile center 3 checks whether the electronic financial transaction request is made by a legitimate user by collating the daily authentication information with the electronic financial transaction request (S1200, FIG. 2).

The daily authentication process will be described below with reference to FIG.

In the daily authentication process, in the mobile center 3, the daily authentication means 22 generates different daily authentication information for each mobile terminal 2 and for each day, and stores it in the daily authentication information database 29. (S101
0), the daily authentication information specific to each mobile terminal 2 is distributed via the center side communication means 18 (S1020).

In the mobile terminal 2 having received the daily authentication information, the daily authentication information storage means 17 temporarily stores the daily authentication information (S1030).

The daily authentication information management means 10 is adapted to store the daily authentication information storage means 1 when the user requests a financial transaction.
The daily authentication information is acquired from 7, the financial authentication primary data is added to this, and this is transmitted to the mobile center 3 by the mobile communication means 13 (S1040).

In the mobile center 3 which has received the financial transaction primary data to which the daily authentication information is added, the financial transaction authentication means 21 extracts the daily authentication information and the mobile identification signal from the financial transaction primary data to obtain the daily authentication information. The database 29 is accessed to check the daily authentication information (S1).
050).

As a result, if the daily authentication information and the mobile terminal identification signal correspond correctly, the daily authentication means 22 sends a signal that the financial transaction is true to the financial transaction relay means 19 (S1060).

The financial transaction relay means 19 is the daily authentication means 2
Generate the financial transaction secondary data as described above, provided that the financial transaction is true from 2 is received.

This daily authentication processing is mainly for preventing electronic financial transactions by a computer impersonating another person. Since the authentication information of each mobile terminal 2 changes day by day, it becomes more difficult to impersonate another person, and impersonation can be effectively prevented.

1.3.5 Large Transaction Confirmation Processing Next, the large transaction confirmation processing (S1300 to S1400, FIG. 2) will be described.

In the high-value transaction confirmation processing, the mobile center 3 constantly checks the amount of the electronic financial transaction, detects the high-value transaction exceeding a certain amount, detects the high-value transaction, and requests the transaction. The information for specifying is output to the call center 5 (S1300, FIG. 2).

The call center 5 which has received this high-value transaction message confirms directly with the person by telephone (S1).
400, FIG. 2).

The above processing will be described below with reference to FIG.

In the mobile center 3, the high-value transaction warning means 23 monitors the transaction amount of each financial transaction request, and when the financial transaction request exceeds a certain amount, specifies the content of the request and the mobile terminal 2 that has requested the financial transaction. The information to be displayed is output to the display screen of the call center 5 (S1310).

Call center 5 receiving this message
Confirms the financial transaction by telephone with respect to the mobile terminal 2 that has requested the financial transaction (S1320). The user confirms the request for the financial transaction by interacting with the operator of the call center 5 via the mobile communication means 13 of the mobile terminal 2.

This high-value transaction confirmation process is a system in which human verification is added to illegal use prevention by the system. It is an empirical fact that the fraud prevention by the system can be broken by the stealing of the authentication information. On the other hand, prevention of fraud by human interaction has different difficulties for those who commit fraud.

The high-value transaction confirmation processing pays attention to the advantage of the above-mentioned verification by humans and more reliably prevents fraud by the interaction between the operator of the call center 5 and the user.

1.3.6 Return / Fail Confirmation Processing Next, the return / rejection confirmation processing (S1500, S1600, FIG. 2) will be described.

The return confirmation process is a loss prevention process for the mobile terminal 2 which focuses on the fact that the mobile terminal 2 must be charged regularly.

The mobile terminal 2 must be charged regularly by a predetermined charger, and the charger is usually at the user's home.

In the return confirmation process, the mobile terminal 2 automatically sends a return message when the mobile terminal 2 returns to the charger and a non-return message when the mobile terminal 2 has not been charged for a certain period of time with its own identification data. (S1500).

Upon receiving this return message or non-return message (return message), the mobile center 3 automatically sends the return message to the registered mail address of the user of the mobile terminal 2 (S160).
0).

As a result, the user can know that the mobile terminal 2 has returned to the charger or, conversely, the mobile terminal 2 has not returned to the charger.

The return confirmation processing will be described below with reference to FIG.

According to the return confirmation processing, the return message means 11 of the mobile terminal 2 detects the presence or absence of charging and automatically transmits a return message to the mobile center 3 (S1510). Normally, the standard for sending the non-return message is set to 24 hours, but this fixed time may be appropriately changed, or may be freely set by the user.

In the mobile center 3 that has received the return message from the mobile terminal 2, the return message sending means 24 sends the return message to the registered mail address of the user of the mobile terminal 2 (S1520).

The sending of the return message is preferably performed in the form of electronic mail.

The registered mail address of the user may be stored in the mobile center 3 or may be included in the return message from the mobile terminal 2. When the registered mail address of the user is stored in the mobile center 3, although not shown, a table or list of the mail addresses of the user is stored in the center storage device 25.

Further, the mobile center 3 may detect only the return message in the case of non-return and send the non-return message only to the owner of the mobile terminal 2 in the case of non-return.

According to the above-mentioned return confirmation processing, when the mobile terminal 2 returns to the place where the charger is installed, usually the user's home, or not, it is sent to the user's computer by e-mail. By giving the notification in the form, the loss of the mobile terminal 2 can be prevented and detected in a multiplexed manner by different media without relying only on the system of the mobile terminal 2.

As a result, if the mobile terminal 2 is lost, the fact of the loss can be quickly known and illegal use can be prevented.

2. Electronic credit card system Next, the electronic credit card system will be described.

2.1 Overall Configuration of System FIG. 3 shows the overall configuration of an embodiment of the electronic credit card system according to the present invention and the flow of processing thereof.

In FIG. 3, the electronic credit card system 40 of this embodiment comprises a mobile terminal 41, a mobile center 42, a card company system 43, and an electronic commerce terminal 44. These systems perform various processes described below as a system of a party who conducts transactions using an electronic credit card, and perform transactions using the electronic credit card as a whole while mutually performing data communication.

The mobile terminal 41 is a portable information device having both the function as a mobile phone and the function as an information processing terminal similar to those used in the electronic financial transaction system. That is, the mobile terminal 41 has various devices as a mobile phone for making a call with another phone by using a mobile phone communication network, while an input means, an output means for information processing as an information processing terminal, It has a display device, a memory processing device, and the like.

The mobile terminal 41 is used as a "credit card" in the electronic credit card system, like an ordinary credit card.

The mobile center 42 is similar to the mobile center of the electronic financial transaction system, and is an information processing system configured to be communicable with the mobile terminal 2 through the communication network 6. The mobile center 42 may be a mobile phone operator, or may be a vendor independent of the mobile phone operator.

The communication network 6 is similar to the electronic financial transaction system.

The card company system 43 is an information processing system installed in the credit card company. In addition,
In this electronic credit card system 40, credit card payments of a plurality of card company systems 43 can be processed within the same system.

The electronic commerce terminal 44 is a terminal provided in a credit card member store, and is a mobile terminal 41.
And capable of communicating with the mobile center 42, and
It is an information processing device capable of processing information by itself. Regarding communication with the mobile terminal 41, the electronic commerce terminal 44 and the mobile terminal 41 may directly communicate with each other, or may communicate with each other via the communication network 6.

The electronic commerce terminal 44 can communicate with the mobile terminal 41 and the mobile center 42,
Moreover, any device may be used as long as it is an information processing device capable of processing information by itself. For example, the electronic commerce terminal 4
4 may be the same as the mobile terminal physically, that is, a “mobile phone having a high processing function”.

2.2 Internal Configuration of Mobile Terminal, Mobile Center, Card Company System, Electronic Commerce Terminal 2.2.1 Mobile Terminal The mobile terminal 41 has a card transaction requesting means 45, a card use confirming means 46, and a return pass / fail. It has a transmitting means 47, a mobile side input means 48, a mobile side communication means 49, a mobile side display means 50, and a mobile side storage device 51. The mobile storage device 51 further includes a card usage data storage means 52 and a card usage record storage means 53.

The card transaction requesting means 45 is a means for requesting a transaction with an electronic credit card.

[0205] The card use confirmation means 46 is means for confirming the results of transactions made with an electronic credit card. This is a means for promptly detecting fraud or mistake by confirming the transaction by the electronic credit card by the user afterwards, or by automatically comparing the record of the mobile center 3 side with the record of the mobile terminal 2.

The return message means 47 is means for automatically transmitting a return message from the mobile terminal 2 when the mobile terminal 2 returns to the place of the charger, or vice versa. is there. This return message is automatically transferred to the registered mail address of the user by the mobile center 3.

The mobile side input means 48 is an input means provided in the mobile terminal 2. Usually mobile terminal 2
Is used as a mobile phone, it is preferable that the mobile side input means 48 also serves as the number input means of the mobile phone.

The mobile communication means 49 is a communication means provided in the mobile terminal 2. Since the mobile terminal 2 also has a function as a mobile phone, it is preferable that the mobile communication means 49 also functions as a communication means as a mobile phone.

[0209] The mobile side display means 50 is a display means provided in the mobile terminal 2. Mobile side display means 5
It is preferable that 0 also serves as a display unit of the mobile terminal 2 as a mobile phone.

The mobile storage device 51 is a storage device provided in the mobile terminal 2. Mobile storage device 5
It is preferable that 1 also serves as a storage device as a terminal of the electronic credit card of the present invention and a storage device for storing the telephone number of a mobile phone.

[0211] The card usage data storage means 52 is means for storing transaction record data of each mobile terminal 2 recorded in the card company system 43 and distributed by the mobile center 3.

The card use record storage means 53 is a means for each mobile terminal 41 to store the record of its own transaction. This transaction record of the mobile terminal 2 is used for collation with the record of the card company system 43.

2.2.2 Mobile Center The mobile center 42 has a center side communication means 54,
It has a card use request relay means 55, a card use data distribution means 56, a return message transmission means 57, and a center side storage device 58. Center side storage device 5
8 further includes a card information database 59 (the database is abbreviated as DB in FIG. 3. The same applies hereinafter), a member store database 60, and a card use database 61.
And have.

The center side communication means 54 is a communication means provided in the mobile center 42.

[0215] The card use request relay means 55 is a means for relaying the request to the card company system 43 when the mobile terminal 2 requests the transaction by the electronic credit card.

The card usage data distribution means 56 is a means for distributing the record data of the use of the electronic credit card received from the card company system 43 to each mobile terminal 2.

The return message transmitting means 57 is a means for transmitting the return message to the registered mail address of the mobile terminal owner when the return message is received from the mobile terminal 41.

The center side storage device 58 is a storage device provided in the mobile center 42.

The card information database 59 is a database that contains at least the card number of each user and stores and manages other registration information regarding the user as necessary.

The member store database 60 stores member store information,
For example, it is a database that stores and manages information including member store identification data.

The card use database 61 is a database for storing and managing the record data of the transaction by the electronic credit card of each mobile terminal 2 received from the card company system 43.

2.2.3 Card Company System The card company system 43 uses the card company side communication means 62.
It has a card transaction processing means 63, a card usage data transmission means 64, and a card company side storage device 65. The card company side storage device 65 is a customer database 6
Have six.

The card company side communication means 62 is a communication means provided in the credit card company.

[0224] The card transaction processing means 63 is means for determining whether or not the credit card can be used and for processing the payment to the customer when a transaction request by an electronic credit card is received.

The card usage data transmission means 64 is means for transmitting the credit card usage record data of each credit card company.

The card company side storage device 65 is a storage device provided in the credit card company.

The customer database 66 is a database that stores and manages the usage limit amount, the used amount, the payment status, the payment record, the attribute information, etc. of each customer.

2.2.4 Electronic Commerce Terminal The electronic commerce terminal 44 is an electronic commerce processing means 67, an output means 68, an electronic commerce terminal side input means 69, an electronic commerce terminal side display means 70, and an electronic commerce terminal. It has side communication means 71 and electronic commerce terminal side storage means 72.

The electronic commerce processing means 67 is means for processing commerce using an electronic credit card or the like.

[0230] The output means 68 is means for outputting a refrain from using electronic commerce and a contract for individual product installment described later. The output means 68 is preferably provided in the electronic commerce terminal 44 in the case of assuming the electronic commerce terminal 44 installed in the store, but the electronic commerce terminal 44 is also included.
If the is a mobile phone having an advanced processing function, this may be omitted.

The electronic commerce terminal side input means 69 is an input means provided in the electronic commerce terminal 44.

The electronic commerce terminal side display means 70 is a display means provided in the electronic commerce terminal 44.

The electronic commerce terminal side communication means 71 is a communication means provided in the electronic commerce terminal 44. As described above, the electronic commerce terminal side communication means 71 is a communication means capable of communicating with the mobile terminal 41 and the mobile center 42, and capable of direct / indirect communication with the mobile terminal 41.

The electronic commerce terminal side storage means 72 is a storage means provided in the electronic commerce terminal 44.

2.3 Electronic Credit Card System 4
0. 2.3.1 Flow of processing of commercial transaction by electronic credit card between remote locations Figure 4 shows the flow of processing of commercial transaction by electronic credit card between remote locations.

The "processing of commercial transaction by electronic credit card between remote areas" is a processing in which a credit card member store and a person who uses the credit card do not face each other and make a transaction. For example, mail order and the like. In addition, conventionally, when using a credit card, as a general rule, the persons who make a transaction face each other and conduct a transaction. Although some payment methods using credit cards have been put to practical use in computer mail-order sales, they are completely different from those of the present invention in that the card number of the user is sent over the communication network.

In the "processing of commercial transaction by electronic credit card between remote areas" according to the present invention, as shown in FIG. 4, first, the member store stores the member store code, the amount charged, the payment method, the product code, the invoice code (these). Are collectively referred to as purchase data) or the invoice or electronic data is sent to the user of the mobile terminal 41 (S200).
0). Along with the sending of this invoice, the product can also be shipped according to the creditworthiness of the customer.

Next, the user who receives the invoice or the electronic data of the invoice confirms the purchase data, and the mobile terminal 41 generates data in which the mobile terminal identification data is added to the purchase data as a mark of consent. It is transmitted (S2100). The data obtained by adding the mobile terminal identification data to this purchase data is called "card use primary data". "Card usage primary data" is from Mobile Center 4
2 is sent.

At the mobile center 42 that has received the "card use primary data", it is confirmed that both the user who is going to make a transaction and the member store are authorized registrants.
The user's card number is added to the "card usage primary data" and transmitted to the card company system 43 (S220).
0). The data obtained by adding the card number of the user to this "primary card usage data" is called "secondary card usage data".

The card company system 43 which has received the above "card usage secondary data" judges whether or not the user can use the card based on the card number and the like, and when approving the card usage, attach the approval number. The card use approval data is generated and transmitted to the mobile center 42 (S23
00).

The mobile center 42 which has received the "card use approval data" transmits it to its member store and, if necessary, the user (S2400).

The member store which has received the card use approval data can ex post factually request payment from the card company system 43 by the card use approval data (S2500). If the product has not been delivered,
Shipping products etc.

The above is the flow of the processing of the commercial transaction by the electronic credit card as seen from the trading parties. Next, the detailed processing flow in the system of each trading party will be described.

It should be noted that this "processing of commercial transaction by electronic credit card between remote locations" can be performed even if the member store does not have the electronic commercial transaction terminal 44. When the electronic commerce terminal 44 is provided, the purchase data can be transmitted to the customer, the card use approval data can be received from the mobile center 42, and the like. In the absence of the electronic commerce terminal 44, the data can be exchanged by another information transmission medium such as mail, telephone, fax or the like.

FIG. 5 shows a flow of processing in the system of each party of "commercial transaction by electronic credit card between remote places".

In the processing of a commercial transaction by an electronic credit card between remote places, when a customer places an order by communication or the like, purchase data including a member store code, an amount of money, a payment method, a product code, and an invoice code from a member store. To send to customers.

When the customer decides to pay, he operates the mobile terminal 41 to activate the card transaction requesting means 45.

The card transaction requesting means 45 displays the purchase data input screen on the mobile side display means 50, inputs the purchase data required by the user on the mobile side input means 48, and approves the payment by card. Input and ask.

By the processing of the card transaction requesting means 45, the payment acceptance by the user's card and the purchase data are input to the mobile terminal 41 (S211).
0).

If the purchase data can be transmitted to the mobile terminal 41 in the form of electronic data, the user can omit the input of the purchase data, and the user only has to input to approve the payment of the card.

The card transaction requesting means 45 adds the mobile terminal identification data to the purchase data to generate the card use primary data on the condition that the user's approval is input and the purchase data is input. It transmits to the mobile center 42 by the communication means 49 (S2120).

Since the card use primary data does not include the information such as the card number which is the object of stealing, it can be transmitted through the open communication network 6 such as the Internet.

At the mobile center 42, the center side communication means 54 receives the card-use primary data. Upon receipt of this card usage primary data, the card usage request relay means 55 is activated (S2210).

The card use request relay means 55 accesses the card information database 59 and the member store database 60, and confirms that both the payer side and the billing side using the electronic credit card are authorized registered users and registered member stores. Confirm (S2220).

As described above, the reason for confirming that the transaction is between the legitimate registered user and the registered member store is to prevent an illegal transaction.

After confirming the authenticity of the user and the member store, the card use request relay means 55 accesses the card information database 59, obtains the card number of the user of the mobile terminal 41, and executes the card transaction primary transaction. Generate card transaction secondary data in addition to the data. The card use request relay means 55 transmits the generated card transaction secondary data to the card company system 43 by the center side communication means 54 (S2230).

Since this card transaction secondary data contains important information such as the user's card number, it is transmitted through the communication line 7 having high security reliability.

In the card company system 43, the card company side communication means 62 receives the card transaction secondary data, and the card transaction processing means 63 is activated by this reception (S2310).

The card transaction processing means 63 accesses the customer database 66, obtains data such as the card usage limit amount and payment status of the user, and judges whether or not the user can use the card (S2320). .

When the card can be used by the user, the card transaction processing means 63 gives an approval number and generates card usage approval data (S2330). This use approval data is transmitted to the mobile center 42 by the card company side communication means 62.

At the mobile center 42 which has received the card use approval data, the card use request relay means 55.
Sends the card use approval data to the member store (S
2410). If necessary, information indicating that the card use is approved is sent from the mobile center 42 to the mobile terminal 41.
Is also transmitted (S2420).

The member store that has obtained the card use approval data can subsequently request the card company system 43 to make a payment based on the card use approval data.

The above is the "processing of commercial transactions by electronic credit card between remote areas". According to this processing, it becomes possible to use the credit card for commercial transactions between remote places. Further, despite using a credit card between remote places, card information such as an important card number does not flow on the communication network, so that extremely safe electronic commerce can be realized.

2.3.1.1 Processing of Confirmation Communication In the above "Processing of Commerce by Electronic Credit Card Between Remote Places", in order to further improve the security of transactions,
Several types of processing can be added.

[0265] One of them is "confirmation communication" processing.

[0266] This "confirmation communication" processing is similar to the confirmation communication processing in the electronic financial transaction system.
That is, when a transaction request by an electronic credit card, that is, card usage primary data is received from a mobile terminal 41, the mobile center 42 issues the request from the mobile center 42 side before generating the card usage secondary data. The confirmation communication is performed with respect to the mobile terminal 41 that has performed the operation (S2430).

This process is performed by the card use request relay means 55 of the mobile center 42. The card use request relay means 55 reads the mobile terminal identification data of the mobile terminal 41 that has issued the request from the card use primary data, requests the mobile terminal 41 indicated by the mobile terminal identification data for communication, and truly Confirm that the mobile terminal 41 has requested a transaction with an electronic credit card.

By the confirmation communication, it is possible to prevent unauthorized use of the electronic credit card by impersonating another person.

2.3.1.2 Transaction Result Confirmation Process A “card transaction record confirmation process” can be added to the above “process of commercial transaction by electronic credit card between remote areas”. About this "card transaction record confirmation process"
Will be explained.

In the "card transaction record confirmation process", the card transaction processing means 63 of the card company system 43 stores the data of electronic credit card transactions processed by itself (referred to as "card usage data") at the mobile center 42. (S2600). The data of the electronic credit card transaction processed by the card company system 43 is
It is also possible to search from the updated data of the customer database 66, and it is also possible to store a separate processing list in the storage device 65 on the card company side.

At the mobile center 42 that has received the card usage data, the card usage data is stored in the card usage database 61 (S261).
0).

The card usage data distribution means 56 accesses the card usage database 61 at regular intervals,
The card usage data is sorted for each user, and the center-side communication means 54 distributes the card usage data sorted for each user (S2620).

The mobile terminal 41 receiving the card usage data stores the card usage data in the card usage data storage means 52 without displaying the contents of the data (S2630).

When the user wants to see his or her own card usage data, the card usage confirmation means 46 is activated, the card usage confirmation means 46 requests the user to perform a predetermined operation, and if the operation is correct, the card usage data is stored. The card usage data is retrieved from the means 52 and displayed on the mobile side display means 50 (S2640).

By looking at this card usage data,
The user can match the electronic credit card transaction that he / she actually made with the electronic credit card transaction under his / her name remaining at the credit card company, and in the unlikely event that another person makes an electronic credit card transaction under his / her own name. You can find this early if you go.

It is preferable that the card utilization data is distributed every 24 hours.

The card use confirmation means 46 requests the user for a predetermined operation and displays the card use data on the condition that the operation is correct in order to protect the privacy of the card use record data. The fixed operation may be any known password input or the like.

2.3.1.3 Another transaction record confirmation process In the transaction record confirmation process of steps S2610 to S2640, the user refers to the card use data by himself / herself and collates it with his / her own memory or use reservation. The transaction record confirmation process described below is a process in which the mobile terminal 41 stores its own electronic credit card transaction and automatically collates it with the card usage data transmitted from the credit card company.

According to this transaction record confirmation processing, the mobile terminal 41 has the card utilization record storage means 53, and the card utilization record storage means 53 always records the electronic credit card transaction conducted by the mobile terminal 41 ( S265
0).

Processing from the card company system 43 via the mobile center 42 until the card usage data is transmitted and stored in the card usage data storage means 52 (S2).
610 to S2630) are exactly the same as the processing in 2.3.1.1.

[0281] Next, the card use confirmation means 46, at every fixed time or every time the card use data is received,
The usage record of the electronic credit card stored in the card usage record storage unit 53 and the card usage data storage unit 52 is collated, and the collation result is displayed by the mobile side display unit 50 (S2660).

According to this transaction record confirmation processing, the user does not need to collate with his or her own memory or the usage reservation, and the processing can be performed surely and easily. It is also possible to display it only when there is an abnormality in the matching result.

2.3.1.4 Rejection Confirmation Process The “rejection confirmation process” of the mobile terminal 41 can be added to the above-mentioned “process of transaction with electronic credit card between remote areas”.

This "return confirmation process" is similar to the return confirmation process in the electronic financial transaction system described above.

That is, the mobile terminal 41 detects that the mobile terminal 41 has been charged or has not been charged for a certain period of time, and returns a return message or a non-return message (the return message and the non-return message are collectively referred to as a return message). ) Mobile Center 42
Is automatically transmitted (S2670).

In the mobile center 42 which has received the return message, the return message transmitting means 57 automatically transmits the return message to the registered mail address of the user (S2680).

The registered mail address may be stored and managed by the center side storage device 58 of the mobile center 42, or may be designated in the return message.

[0288] Further, the mobile center 42 may detect only the non-return message and send the non-return message to the registered mail address of the owner of the mobile terminal 41.

This is the end of the description of the "processing of commercial transaction by electronic credit card between remote areas".

[0290] Next, regardless of the distance between the transaction parties, the electronic commerce terminal 44 and the mobile terminal 4 provided in the member store.
A process of communicating with the electronic credit card 1 and conducting a transaction with an electronic credit card (hereinafter, referred to as "electronic credit card commercial transaction process using electronic commerce terminal and mobile terminal") will be described.

2.3.2 Electronic Credit Card Commercial Transaction Processing Using Electronic Commerce Terminal and Mobile Terminal In the electronic credit card commercial transaction processing for communicating between the electronic commercial transaction terminal and mobile terminal, (1) the electronic commercial transaction terminal,
There are electronic credit card transactions conducted in the order of mobile terminal, mobile center, card company system, and (2) electronic credit card transactions conducted in the order of electronic commerce terminal, mobile terminal, electronic commerce terminal, mobile center, card company system. .

2.3.2.1 Electronic Credit Card Transaction Processing Performed in the Order of Electronic Commerce Terminal, Mobile Terminal, Mobile Center, Card Company System FIG. 6 shows a schematic processing flow of the electronic credit card transaction.

As shown in FIG. 6, in this process, when a transaction agreement is established between the member store and the mobile terminal user, the electronic commerce terminal 44 generates purchase data such as the amount charged and the product code to generate the mobile terminal. 41 (S3000).

[0294] The mobile terminal 4 that has received the purchase data.
In step 1, the purchase data is displayed and the user is prompted to confirm.

When the user agrees with the content of the purchase data and inputs a confirmation, the mobile terminal 41 adds the mobile terminal identification data to the purchase data and sends it to the mobile center 42 as card usage primary data (S310).
0).

At the mobile center 42 which has received the card use primary data, it is confirmed from the card use primary data that the mobile terminal user and the affiliated store, which are parties to the transaction, are the authorized user and the affiliated store, and the card use primary data is confirmed. The card use secondary data is generated by adding the user's card number to the data and transmitted to the card company system 43 (S3200).

The card company system 43 which has received the above-mentioned secondary data of card usage judges whether or not the card can be used,
If the card can be used, an approval number is given, card usage approval data is generated and returned to the mobile center 42 (S3300).

The mobile center 42 which has received the card use approval data transmits the card use approval data to the electronic commerce terminal 44 and, if necessary, the mobile terminal 41 (S3400).

Since the use of the credit card has been approved by the credit company between the user who has received the card use approval data and the credit card member store, the product is delivered and the transaction ends (S350).
0). Credit card merchants can request payment from credit card companies after the fact.

Next, the actual processing of the system of each party in the above processing will be described with reference to FIG.

When the customer (user of the mobile terminal 41) requests the use of the electronic credit card, the electronic commerce processing means 67 of the electronic commerce terminal 44 causes the electronic commerce terminal side display means 70 to display the purchase data input screen. Is displayed (S3010), and the member store salesperson uses the electronic commerce terminal side input means 69 to enter the member store code, amount, payment method,
Purchase data including a product code and an invoice code are input (S3020). When the purchase data is input, the electronic commerce processing means 67 transmits this purchase data to the mobile terminal 41 by the electronic commerce terminal side communication means 71 (S3).
030).

The mobile terminal 4 which has received the purchase data
In 1, the card transaction requesting unit 45 displays the purchase data on the mobile side display unit 50 (S3110) and requests the user to input confirmation.

When the user inputs confirmation by the mobile side input means 48 (S3120), the card transaction request means 45 adds the identification data of the mobile terminal 41 to the purchase data to generate the card use primary data. Is transmitted to the mobile center 42 by the mobile side communication means 49 (S3130).

At the mobile center 42 which has received the card use primary data, the card use request relay means 55.
Accesses the member store database 60 and confirms from the member store code that the member store is a registered member store (S
3210), in the case of a registered member store, the card information database 59 is accessed to search the card information of the mobile terminal, and this is added to the card usage primary data to generate card usage secondary data (S3220). next,
The card use request relay unit 55 transfers the card use secondary data to the card company system 4 by the center side communication unit 54.
3 (S3230).

In the card company system 43 which has received the above card usage secondary data, the card transaction processing means 63
The customer database 66 is accessed to determine whether or not the card can be used. If the card can be used, an approval number is given to generate card usage approval data (S3310).

When issuing the card use approval data, the card transaction processing means 63 performs necessary processing such as recording the use of the user in the customer database 66.

The card transaction processing means 63 transmits the generated card use approval data to the mobile center 42 by the card company side communication means 62 (S3320).

In the mobile center 42 that has received the card use approval data, the card use request relay means 55 uses the center side communication means 54 to send the card use approval data to the electronic commerce terminal 44 and, if necessary, the mobile terminal 4.
1 (S3410).

Upon receipt of the above-mentioned card use approval data, the member store guarantees the payment of the price by the credit card company, and therefore delivers the product to the user and completes the transaction with the customer.

[0310] Further, the member store can subsequently request the card company to make a payment by using the card use approval data.

In the above processing, the purchase data is directly transmitted from the electronic commerce terminal 44 to the mobile terminal 41, and only by inputting a confirmation on the mobile terminal 41, the commercial transaction by the electronic credit card can be performed safely and promptly. it can.

Further, according to this processing, the mobile terminal 4
1 and the electronic commerce terminal 44 can perform a commercial transaction by an electronic credit card regardless of whether they are near or far from each other in distance, and thus have an advantage that their application range is extremely wide.

The above is the processing of the electronic credit card transaction using the electronic commerce terminal equipped with the credit card membership, and the processing of the electronic credit card transaction performed in the order of the electronic commerce terminal, the mobile terminal, the mobile center and the card company system. It is a flow.

Next, a description will be given of a process of electronic credit card transaction, which also uses the electronic commerce terminal and is performed in the order of the electronic commerce terminal, the mobile terminal, the electronic commerce terminal, the mobile center and the card company system.

2.3.2.2 Processing of electronic credit card transaction performed in the order of electronic commerce terminal, mobile terminal, electronic commerce terminal, mobile center, card company system This processing is performed by the electronic commerce terminal to the mobile terminal to purchase data. Is transmitted, and after confirmation input of the mobile terminal, purchase data including the mobile terminal identification data is transmitted again to the electronic commerce terminal, which is different from the processing in 2.3.2.1. The processing from relaying the card use request to the card company from the mobile center and transmitting the card use approval data from the card company system to the electronic commerce terminal via the mobile center is the same as in 2.3.2.1.

FIG. 8 shows the general flow of this processing.

As shown in FIG. 8, in this process, when a transaction is requested by an electronic credit card, at least one of the member store code, the amount of money, the payment method, the product code, and the bill code is sent by the electronic commerce terminal 44. Input purchase data including copies and send it to the mobile terminal 41 (S
4000).

Here, the "input of at least a part of the purchase data" is made in consideration of the case where the purchase data includes information on trade secrets.
For example, the cost of goods, the acquisition route, etc. On the other hand, the purchase data transmitted to the mobile terminal 41 must be at least sufficient for the customer to confirm the price to be paid, the product to be purchased, the member store, and the like.

[0319] The mobile terminal 4 that has received the purchase data.
In 1, the purchase data is displayed, the user is requested to input confirmation, and when the confirmation is input, the mobile terminal identification data is added to the purchase data and returned to the electronic commerce terminal 44 as card use primary data. (S4100).

At the electronic commerce terminal 44 which has received the above card use primary data, the confirmation input of the user is confirmed, and if there is unentered data in the purchase data, it is input,
Mobile Center 4 as complete card usage primary data
2 (S4200).

At the mobile center 42 which has received the card use primary data, after confirming the member store / user, the card number of the mobile terminal 41 is added to the card use primary data, and the card company system 43 is used as the card use secondary data. (S4300).

In the card company system 43 which has received the above-mentioned secondary data of card use, it is judged whether or not the card can be used,
If the card can be used, an approval number is given, card usage approval data is generated and returned to the mobile center 42 (S4400).

The mobile center 42 which has received the card use approval data transmits the card use approval data to the electronic commerce terminal 44 and, if necessary, the mobile terminal 41 (S4500).

[0324] The product is delivered between the user who has received the card use approval data and the credit card member store, and the transaction is completed. The credit card member store can subsequently request payment from the credit card company (S4600).

Next, the actual processing of the system of each party in the above processing will be described with reference to FIG.

When the customer (user of the mobile terminal 41) requests the use of the electronic credit card, the electronic commerce processing means 67 of the electronic commerce terminal 44 causes the electronic commerce terminal side display means 70 to display the purchase data input screen. Is displayed (S4010), and the member store salesperson uses the electronic commerce terminal side input means 69 to display the member store code, amount, payment method,
Purchase data including at least a part of the product code and the invoice code is input (S4020). When the purchase data is input, the electronic commerce processing means 67 sends this purchase data to the mobile terminal 41 by the electronic commerce terminal side communication means 71.
(S4030).

[0327] The mobile terminal 4 that has received the purchase data.
In 1, the card transaction requesting unit 45 causes the mobile side display unit 50 to display the purchase data (S4110) and requests the user to input confirmation.

When the user inputs confirmation by the mobile side input means 48 (S4120), the card transaction request means 45 adds the identification data of the mobile terminal 41 to the purchase data to generate the card use primary data. Is transmitted to the mobile center 42 by the mobile side communication means 49 (S4130).

In the electronic commerce terminal 44 that has received the card use primary data, the electronic commerce processing means 67 displays the card use primary data received by the electronic commerce terminal side display means 70 and inputs confirmation to the member store salesperson. If there is a remaining portion in the purchase data, it is requested to input the purchase data of the remaining portion (S4210).

The user inputs the means 69 on the electronic commerce terminal side.
When the confirmation input is performed by (S4220), the electronic commerce processing means 67 causes the electronic commerce terminal side communication means 71.
The card use primary data is transmitted to the mobile center 42 (S4230).

At the mobile center 42 which has received the card use primary data, the card use request relay means 55 is provided.
Accesses the member store database 60 and confirms from the member store code that the member store is a registered member store (S
4310), in the case of a registered member store, the card information database 59 is accessed to search the card information of the mobile terminal, and this is added to the card usage primary data to generate card usage secondary data (S4320).

Next, the card use request relay means 55 sends the card use secondary data to the card company system 43 by the center side communication means 54 (S4330).

In the card company system 43 which has received the above card usage secondary data, the card transaction processing means 63
The customer database 66 is accessed to determine whether or not the card can be used. If the card can be used, an approval number is given to generate card usage approval data (S4410).

When issuing the card use approval data, the card transaction processing means 63 performs necessary processing such as recording the use of the user in the customer database 66.

The card transaction processing means 63 sends the generated card use approval data to the mobile center 42 by the card company side communication means 62 (S4420).

In the mobile center 42 which has received the card use approval data, the card use request relay means 55 causes the center side communication means 54 to send the card use approval data to the electronic commerce terminal 44 and, if necessary, the mobile terminal 4.
1 (S4510).

By receiving the above card use approval data, the member store can confirm that the payment of the price is guaranteed by the credit card company, hand over the product to the user, and complete the transaction with the customer.

Further, the member store can request the payment from the card company afterwards by the card use approval data.

The above is the commercial transaction by the electronic credit card using the electronic commercial transaction terminal 44, and the processing is performed in the order of the electronic commercial transaction terminal, the mobile terminal, the electronic commercial transaction terminal, the mobile center, and the card company system.

According to this processing, the purchase data to be transmitted to the mobile terminal 41 can be only the minimum data that the customer needs to approve. In addition, by returning the card use primary data from the customer (user of the mobile terminal 41), the member store side confirms the customer, adds information such as the cost of the product, and where to obtain the product to the mobile center 42.
Can be sent to.

[0341] In the electronic credit card commercial transaction processing for communicating between the electronic commercial transaction terminal and the mobile terminal, 2.
3.2.1 “Electronic commerce terminal, mobile terminal, mobile center, electronic credit card transaction performed in the order of card company system” 2.3.2.2 “Electronic commerce terminal, mobile terminal, electronic commerce terminal, mobile center , Electronic credit card transactions done in order of the card company system "
In any of the above, it is possible to add the processing of confirmation communication of 2.3.1.1 to 2.3.1.4, the transaction record confirmation processing, and the return confirmation processing. The confirmation communication process, the transaction record confirmation process, and the return confirmation process are exactly the same as the system in the case where there is no electronic commerce terminal, and therefore, redundant description will be omitted here.

3. Electronic Individual Product Installment System Next, an electronic individual product installment system using a mobile terminal and an electronic commerce terminal will be described.

3.1 Electronic Individual Product Installment System in the Form of Providing Customer Information from Credit Card Company to Credit Sales Company FIG. 10 shows the configuration of an embodiment of the individual product installment system according to the present invention and the flow of processing thereof. The individual product installment system according to the present embodiment is a system in which the card company provides the customer information in the company to the credit sales company, and the customer information is centrally managed by the customer information center, which will be described later. This is different from the form provided to the company.

As shown in FIG. 10, the electronic individual product installment system 80 according to the present embodiment has a mobile terminal 81, a mobile center 82, a card company system 83, a credit company system 84, an electronic system as an electronic system for the parties using this system. There is a commercial transaction terminal 85.

The mobile terminal 81 is a portable information processing device having a mobile phone function and having a certain information processing capability.

The electronic commerce terminal 85 is the mobile terminal 81.
It is an information processing device for electronic commerce installed in a member store configured to communicate with.

The mobile center 82 is the mobile terminal 8
1 and the electronic commerce terminal 85 are communicable and equipped with information processing capability.

The credit card company system 83 is an information processing system provided in a credit card company and configured to communicate with the mobile center 82.

The credit sales company system 84 is an information processing system provided in the credit sales company and communicable with the card company system 83.

The mobile terminal 81 uses the individual product installment requesting means 8
6, mobile side communication means 87, mobile side display means 88, and mobile side input means 89.

The individual product installment requesting means 86 is means for processing the request when the customer tries to use the individual product installment.

The mobile side communication means 87 is a communication means provided in the mobile terminal 81.

The mobile side display means 88 is a display means provided in the mobile terminal 81.

The mobile side input means 89 is an input means provided in the mobile terminal 81.

The mobile center 82 has a center side communication means 90, an individual product installment request relay means 91, and a center side storage device 92. Center side storage device 92
Has a card information database 93.

The center side communication means 90 is a communication means provided in the mobile center 82.

The individual product installment request relay means 91 is a means for relaying the individual product installment request issued by the mobile terminal 81 to the card company system 83 by adding the card number of the mobile terminal owner.

The center side storage device 92 is a storage device provided in the mobile center 82.

The card information database 93 is a database for storing and managing card-related information such as the card number of the owner of each mobile terminal 81.

The card company system 83 has a card company side communication means 94, a card company side storage device 95, and an individual product installment request processing means 96. The card company side storage device 95 has a customer database 97.

The card company side communication means 94 is a communication means provided in the card company system 83.

The card company side storage device 95 is a storage device provided in the card company system 83.

The individual product installment request processing means 96 is means for attaching the individual product installment request to the credit sales company system 84 with the customer information of the user who issued the request.

The customer database 97 is a database for storing and managing customer information including information such as the customer's payment status.

The credit selling company system 84 has a credit selling company side communication means 98, an individual product installment contracting means 99, and a credit selling company side storage device 100. Credit company storage device 100
Has a contract database 101 and a credit sales customer database 102.

The electronic commerce terminal 85 has an electronic individual product installment processing means 103, an electronic commerce terminal side input means 104, an electronic commerce terminal side display means 105, an electronic commerce terminal side communication means 106, and an output means 107. It has an electronic commerce terminal side storage means 108.

The credit sales company side communication means 98 is a communication means provided in the credit sales company system 84.

[0368] The individual product installment contract means 99 is means for investigating the customer's credit and performing the processing when concluding an individual product installment contract.

The credit sales company side storage device 100 is a storage device provided in the credit sales company system 84.

[0370] The contract database 101 is a database for storing and managing individual product installment contracts.

The credit sales customer database 102 is a database that stores and manages customer information relating to individual product installment that the credit sales company has independently.

The electronic commerce terminal 85 has an electronic individual product installment processing means 103, an electronic commerce terminal side input means 104, an electronic commerce terminal side display means 105, an electronic commerce terminal side communication means 106, and an output means 107. It has an electronic commerce terminal side storage means 108.

The electronic individual product installment processing means 103, when a customer requests an individual product installment contract by electronic commerce,
It is a means for communicating with the mobile terminal 81 or the mobile center 82 of the customer and performing processing for supporting the conclusion of the individual installment contract between the customer and the credit company.

The electronic commerce terminal side input means 104 is an input means provided in the electronic commerce terminal 85.

The electronic commerce terminal side display means 105 is a display means provided in the electronic commerce terminal 85.

The electronic commerce terminal side communication means 106 is a communication means provided in the electronic commerce terminal 85.

The output means 107 is means for outputting the individual product installment contract when the credit sales company agrees to enter into the individual product installment contract.

For easy understanding, the output means 107 will be described as a printer of the electronic commerce terminal 85, but the output means 107 is not limited to the printer built in the electronic commerce terminal 85. That is, the printer may meet a device independent of the electronic commerce terminal 85, and in that case, the output means on the electronic commerce terminal 85 side is means for outputting electronic data to the printer. In this way, the output means 107
May include a printer and a means for outputting electronic data to the printer, or may mean only a means for outputting electronic data to the printer.

The electronic commerce terminal side storage means 108 is a storage means provided in the electronic commerce terminal 85.

Next, the flow of processing by the electronic individual product installment system 80 will be described.

FIG. 11 shows a schematic flow of electronic individual product installment processing by the electronic individual product installment system 80.

As shown in FIG. 11, according to the electronic individual product installment system 80, the customer (mobile terminal 8
(1 user) requests payment by individual installment installment, the member store salesperson inputs at least a part of the purchase data of the product into the electronic commerce terminal 85 provided in the member store, and the user inputs it. Owned mobile terminal 81
(S5000).

Mobile terminal 8 that has received the purchase data
In 1, the user inputs the data necessary for the individual product installment contract after confirming the purchase data. When the data necessary for this individual product installment contract is input, the mobile terminal 81 adds mobile terminal identification data and transmits it as individual product installment primary data to the electronic commerce terminal 85 (S5100).

The electronic commerce terminal 85 which has received the individual product installment primary data displays the individual product installment primary data,
The member store salesperson confirms the user, etc., and if there is unentered data in the purchase data, enter the remaining purchase data,
Complete individual product installment primary data is transmitted to the mobile center 82 (S5200).

At the mobile center 82 which has received the individual product installment primary data, it is confirmed that the member store / user attempting to make a transaction is an authorized member store / user,
The credit card number of the user is added to the individual product installment primary data, and the individual product installment secondary data is transmitted to the card company system 83 (S5300).

The card company system 83 that has received the individual product installment secondary data retrieves the customer information corresponding to the card number, replaces the card number of the individual product installment secondary data with the customer information, and replaces the individual product installment tertiary data. Is generated and transmitted to the credit sales company system 84.

The credit sales company system 84 which has received the individual product installment tertiary data, based on the customer information provided by the card company, also considers the unique customer information as necessary and conducts a credit check of the customer. As a result, when the credit company agrees to enter into an individual product installment contract with the user, the credit company system 84 sends contract data for creating a contract to the mobile center 82, and also to its own system. The fact of the contract is recorded (S5500).

[0388] The mobile center 82 that has received the contract data sends the contract data to the electronic commerce terminal 8 of the member store.
5 (S5600).

Upon receiving the contract data, the electronic commerce terminal 85 outputs the contract by the output means 107 (S5700).

[0390] The above individual product installment contract is given to the user,
Here, the contract is officially stamped, and an individual product installment contract is concluded between the user and the credit sales company, and the member store can hand over the product to the user and request payment from the credit sales company afterwards (S5800). .

Next, returning to FIG. 10, the details of the above processing will be described.

First, when the customer (user of the mobile terminal 81) requests the payment of the product price by the electronic individual product installment, the member store salesman operates the electronic commercial transaction terminal 85 to perform the electronic individual product installment process. The means 103 is activated. The activated electronic individual product installment processing means 103 displays a purchase data input screen on the electronic commerce terminal side display means 105, and the member store salesperson receives the member store code, amount, payment method, product code,
Purchase data including at least a part of the bill code is input (S5010).

When the member store salesperson inputs the purchase data through the electronic commerce terminal side input means 104 (S
5020), the electronic individual product installment processing means 103 transmits this to the mobile terminal 81 owned by the user through the electronic commerce terminal side communication means 106 (S5030).

Mobile terminal 8 that has received the purchase data
In 1, the individual product installment requesting unit 86 displays the purchase data received by the mobile side display unit 88, and requests the user to confirm and input the data necessary for the individual product installment contract (S5110).

When the user inputs the data necessary for the individual product installment contract (preferably this data also serves as the confirmation input by the user) (S5120), the individual product installment requesting means 86 uses the purchase data, the user Mobile terminal identification data is added to the input data, and this is returned to the electronic commerce terminal 85 as individual product installment primary data (S
5130).

In the electronic commerce terminal 85 that has received the individual product installment primary data, the electronic individual product installment processing means 103 displays the individual product installment primary data on the electronic commerce terminal side display means 105, and confirms with the member store salesperson. If there is a non-input portion in the input and purchase data, the input of the non-input portion is requested (S5210).

If the member store salesperson inputs the purchase data and confirmation using the electronic commerce terminal side input means 104 (S5220), the electronic individual product installment processing means 103 is executed.
Mobile Center 82 for complete individual product installment primary data
(S5230).

In the mobile center 82 which has received the individual product installment primary data, the individual product install request relay means 91 indicates that the user and the affiliated store who are going to make a transaction are the authorized user and the affiliated store. After confirming with a list or the like (S5310), the card information database 93 is accessed, the card information of the corresponding mobile terminal owner is searched (S5320), and this is added to the individual product installment primary data to request the individual product installment request. Next data is generated and transmitted to the card company system 83 (S5330).

In the card company system 83 that has received the individual product installment secondary data, the individual product installment request processing means 96
The customer database 97 is accessed, the customer information corresponding to the card information included in the individual product installment secondary data is searched, and this is replaced with the card information of the individual product installment secondary data to replace the individual product installment tertiary. Data is generated (S5410). The individual product installment request processing means 96 transmits the generated individual product installment tertiary data to the credit sales company system 84 by the card company side communication means 94 (S5420).

In the credit sales company system 84 that has received the individual product installment tertiary data, the individual product installment contract means 99 causes the credit check of the customer based on the customer information in the individual product installment tertiary data supplied by the card company system 83 ( Whether or not the individual product installment contract can be made) is performed (S5510). If necessary, the individual installment contract means 99 also accesses the credit sales customer database 102 and conducts a credit check based on the customer information of the company (S5520).

As a result, when it is determined that the individual product installment contract is possible, the individual product installment contract means 99 creates contract data and records it in the contract database 101 (S5).
530), the contract data is transmitted to the mobile center 82 by the communication means 98 on the credit sales company side (S5540).

At the mobile center 82 which has received the contract data, the individual product installment request relay means 91 causes the center side communication means 90 to transfer the contract data to the electronic commerce terminal 85.
(S5610).

In the electronic commerce terminal 85 which has received the contract data, the electronic individual product installment processing means 103 has the output means 1
According to 07, the contract data is output as an individual product installment contract (S5710).

With this contract, the user (owner of the mobile terminal) confirms and affixes the seal, and an individual product installment contract is concluded between the user and the credit company. The member store can hand over the product to the user and subsequently request the credit company to make a payment.

The above is the processing of the individual product installment transaction by the electronic individual product installment system 80. This electronic individual product installment system 8
Processing with 0 has the advantage that the individual installment contract can be completed very quickly.

That is, this electronic individual product installment system 80
In the electronic individual product installment process, the most of the data required for the credit check of the customer is stored in the card company system 83, so that the data entered by the customer at the store can be extremely small. Therefore, the time required for the customer to enter the data in the contract is significantly shortened.

Since the customer information supplied by the card company system 83 is detailed and highly reliable, the credit sales company can use the customer information of the card company to drastically shorten the credit check time.

Further, in the electronic individual product installment processing by the electronic individual product installment system 80, data is exchanged between the information processing devices from the entry by the member store salesperson to the output of the contract, and the contract is made very quickly without any delay. You can output the calligraphy.

The electronic individual product installment processing by the electronic individual product installment system 80 has an advantage that information can be exchanged extremely safely despite using a relatively open communication network such as the Internet.

This is because the card information such as the card number is distributed and stored in the mobile center 82, and the customer information of the credit card is distributed and stored in the card company system 83.

That is, since the individual product installment primary data does not include the card information or the like which is the target of plagiarism, the user may suffer a disadvantage even when intercepted by a third party on the Internet. Absent. Also, the mobile center 8
2 has only card information corresponding to the mobile terminal 81. In this system, it is not possible to make a direct transaction only with the card information, so that it is possible to prevent the disadvantage of the user.

Furthermore, since the information such as the card number is deleted from the individual product installment tertiary data sent to the credit sales company, the user's card number etc. will not be leaked to the outside through the credit sales company.

As described above, according to the electronic individual product installment system 80, complete data to be plagiarized does not circulate on the communication network, so that an essentially safe transaction can be carried out. Due to this safety, the electronic individual product installment system 80 can use a convenient communication network such as the Internet,
As a result, an individual product installment system having an extremely wide range of applications can be realized.

The electronic individual product installment system 80 is also provided with confirmation communication processing, transaction record confirmation processing, return confirmation processing, etc., like the electronic financial transaction system and electronic credit card system described above. Can be added. Since these processes can be performed in the same manner as described above, duplicate description is omitted here.

3.2 Electronic Individual Product Installment System in which Customer Information Center Provides Customer Information to Credit Company Next, the customer information center provides the customer information necessary for the examination of the individual product installment contract to the credit company. The product installment system will be described.

FIG. 12 shows the configuration of an embodiment of the individual product installment system according to the present invention and the flow of processing thereof. In the individual product installment system according to this embodiment, the customer information center centrally manages customer information of each credit card company, and the customer information center provides the customer information to the credit sales company.
For ease of understanding, the same parts as those in FIG.

As shown in FIG. 12, the individual product installment system 110 according to the present embodiment includes a mobile terminal 81, a mobile center 82, a credit company system 84, an electronic commerce terminal 85, as a system of a party who uses this system.
There is a customer information center 111.

Mobile terminal 81, mobile center 8
2. The credit company system 84 and the electronic commerce terminal 85 are the same as those of the electronic individual product installment system 80, and their internal configurations are also the same. However, the mobile center 82
It is not necessary to provide the card information database 93, and the card information database 93 is provided in the customer information center 111.

The customer information center 111 is a neutral and fair organization in which credit card companies who agree with this system provide customer information and centrally manage the customer information.

The customer information center 111 has a customer information center side communication means 112 and an individual product installment request processing means 113.
And a customer information center side storage device 114. The customer information center side storage device 114 has a customer database 115 and a card information database 116.

The customer information center side communication means 112 is a communication means provided in the customer information center 111.

The individual product installment request processing means 113 is means for providing the customer information of the user who issued the request to the credit sales company system 84 when the request for the transaction by the electronic individual product installment is received.

The customer information center side storage device 114 is a storage device provided in the customer information center 111.

[0424] The customer database 115 is a database that receives information from an agreed credit card company and centrally stores and manages customer information.

The card information database 116 is a database for storing and managing card information of each mobile terminal owner.

Next, the flow of processing by the individual product installment system 110 will be described.

FIG. 13 shows a schematic flow of processing of electronic individual product installment by the individual product installment system 110.

In the processing by the individual product installment system 110, the purchase data is transmitted by the electronic commerce terminal 85 (S6).
000), generation / reply of individual product installment primary data by the mobile terminal 81 (S6100), and transmission of individual product installment primary data from the electronic commerce terminal 85 to the mobile center 82 (S6200) by the electronic individual product installment system 80. This is the same as the processing (FIG. 11).

[0429] When the mobile center 82 receives the individual product installment primary data generated by the electronic commerce terminal 85 in step S6200, when the mobile center 82 confirms the registration of the user and the member store by the system configuration,
After confirming that the store is a legitimate user and a member store, the individual product installment primary data is transferred (S6300).

At the customer information center 111 which has received the individual product installment primary data, the customer information of the requesting mobile terminal owner is added to the individual product installment primary data to generate individual product installment secondary data. Is transmitted to the credit sales company system 84 (S6400).

The credit company system 84, which has received the individual product installment secondary data, conducts a credit check of the customer based on the customer information provided by the customer information center, considers the unique customer information if necessary, and Conduct a credit check. As a result, when the credit company agrees to enter into an individual product installment contract with the user, the credit company system 84 sends contract data for creating a contract to the mobile center 82, and also to its own system. The fact of the contract is recorded (S6500).

[0432] The mobile center 82 which has received the contract data transmits the contract data to the electronic commerce terminal 8 of the member store.
5 (S6600).

Upon receiving the contract data, the electronic commerce terminal 85 outputs the contract by the output means 107 (S6700).

[0434] The above individual product installment contract is given to the user,
Here, the contract is officially stamped, the individual product installment contract is concluded between the user and the credit sales company, and the member store can hand over the product to the user and request payment from the credit sales company afterwards (S6800). .

Next, returning to FIG. 12, details of the above processing will be described.

[0436] First, when a customer (user of the mobile terminal 81) requests the payment of the product price by the electronic individual product installment, the member store salesperson operates the electronic commercial transaction terminal 85 to perform the electronic individual product installment process. The means 103 is activated. The activated electronic individual product installment processing means 103 displays a purchase data input screen on the electronic commerce terminal side display means 105, and the member store salesperson receives the member store code, amount, payment method, product code,
Purchase data including at least a part of the bill code is input (S6010).

When the member store salesperson inputs the purchase data through the electronic commerce terminal side input means 104 (S
6020), the electronic individual product installment processing means 103 transmits this to the mobile terminal 81 owned by the user by the electronic commerce terminal side communication means 106 (S6030).

[0438] The mobile terminal 8 that has received the purchase data.
In 1, the individual product installment requesting unit 86 displays the purchase data received by the mobile side display unit 88, and requests the user to confirm and input the data necessary for the individual product installment contract (S6110).

When the user inputs the data necessary for the individual product installment contract (preferably this data also serves as the confirmation input by the user) (S6120), the individual product installment requesting means 86 indicates that the purchase data, the user Mobile terminal identification data is added to the input data, and this is returned to the electronic commerce terminal 85 as individual product installment primary data (S
6130).

In the electronic commerce terminal 85 which has received the individual product installment primary data, the electronic individual product installment processing means 103 displays the individual product installment primary data on the electronic commerce terminal side display means 105 and confirms with the member store salesperson. If there is a non-input portion in the input and purchase data, the input of the non-input portion is requested (S6210).

When the member store salesperson inputs the purchase data and confirmation through the electronic commerce terminal side input means 104 (S6220), the electronic individual product installment processing means 103
Mobile Center 82 for complete individual product installment primary data
(S6230).

In the mobile center 82 which has received the individual product installment primary data, the individual product install request relay means 91 indicates that the user and the affiliated store who are going to make a transaction are the authorized user and the affiliated store. After confirming with a list or the like (S6310), the individual product installment primary data is transferred to the customer information center 111 (S6330).

The user and the affiliated store can be confirmed as a regular registered user or a registered affiliated store at the customer information center 111.

At the customer information center 111, which has received the individual product installment secondary data, the individual product installment request processing means 113.
Accesses the customer database 115 and the card information database 116, searches for corresponding customer information, and adds this to the individual product installment primary data to generate individual product installment secondary data (S6410). Individual product installment request processing means 96
Transmits the generated individual product installment secondary data to the credit company system 84 by the customer information center side communication means 112 (S6420).

In the credit company system 84 that has received the individual product installment secondary data, the individual product installment contract means 99 uses the customer information supplied by the customer information center 111 to conduct a credit check of the customer (whether the individual product installment contract is possible or not). Determination) is performed (S65
10). If necessary, the individual installment contract means 99 also accesses the credit sales customer database 102 and conducts a credit check based on the customer information of the customer (S6520).

As a result, when it is determined that the individual product installment contract is possible, the individual product installment contract means 99 creates contract data and records it in the contract database 101 (S6).
530), and the contract data is transmitted to the mobile center 82 by the communication means 98 on the credit company side (S6540).

At the mobile center 82 which has received the contract data, the individual product installment request relay means 91 causes the center side communication means 90 to transfer the contract data to the electronic commerce terminal 85.
(S6610).

In the electronic commerce terminal 85 which has received the contract data, the electronic individual product installment processing means 103 has the output means 1
According to 07, the contract data is output as an individual product installment contract (S6710).

With this contract, the user (owner of the mobile terminal) confirms and affixes the seal, and the individual product installment contract is signed between the user and the credit sales company. The member store can hand over the product to the user and subsequently request the credit company to make a payment.

The above is the electronic individual product installment process when the customer information center 111 provides customer information.

According to this processing, in addition to all the advantages of the electronic individual product installment system of 3.1 in which the customer information is provided from the card company to the credit company, the following advantages are also provided.

According to the individual product installment system 110, each credit card company individually provides its own customer information to the credit sales company system 84.
One customer information center 11
Since the customer information is directly transmitted from 1 to the credit sales company system 84, communication efficiency is high as a whole.

Also, since the customer information of each credit card company is centrally managed, the utilization efficiency of hardware such as a storage device is high.

Further, by providing the customer information from the single customer information center 111 as described above, the customer information can be leveled and standardized. By thus standardizing and standardizing the customer information, the reliability of the customer information is increased.

This completes the description of the electronic individual product installment system. Next, the electronic money system will be described.

[0456] 4. Electronic Money System 4.1 Configuration of Electronic Money System FIG. 14 shows the configuration and processing flow of the electronic money system according to the present invention.

[0457] The electronic money system 120 is the mobile terminal 1 as a system of the parties using this system.
21, electronic commerce terminal 122, mobile center 12
3 and the financial institution system 124.

The mobile terminal 121 is an information processing device possessed by an electronic money user. Mobile terminal 121
Is a mobile phone having a mobile phone function, capable of performing a certain amount of information processing, and portable. The mobile terminal 121 is
In the electronic money system, it corresponds to a container of electronic money, so to speak, a “wallet”.

The electronic commerce terminal 122 is an information processing terminal installed in a member store that uses this electronic money system. This electronic commerce terminal 122 is a mobile terminal 12
1 is communicable. Electronic commerce terminal 122
Preferably also serves as an electronic commerce terminal of an electronic credit card system or an electronic individual product installment system according to the present invention.

The mobile center 123 is an information processing system communicable with the mobile terminal 121 and the electronic commerce terminal 122. The mobile center 123 is
It may be the same as the relay station of the mobile phone carrier or a system separate from the mobile phone carrier.

The financial institution system 124 is an information processing system of a financial institution that issues electronic money. here,
A financial institution is a card company, a bank, or another business that issues electronic money.

The mobile terminal 121 has an electronic money issue request means 125, an electronic money payment means 126, an electronic money return means 127, a mobile side input means 128, a mobile side communication means 129, a mobile side display means 130, and a mobile side storage means 131. have.

The electronic money issuance requesting means 125 is means for having a financial institution issue a certain amount of electronic money before using the electronic money.

Electronic money payment means 126 is a processing means for paying to a member store.

The electronic money returning means 127 is a means for returning the electronic money which has been used up to the financial institution.

The mobile side input means 128 is an input means provided in the mobile terminal 121. Preferably, the mobile side input means 128 also serves as the input means of the mobile phone.

The mobile side communication means 129 is a communication means provided in the mobile terminal 121. It is preferable that the mobile communication means 129 also serves as a communication means of a mobile phone.

The mobile side display means 130 is a display means provided in the mobile terminal 121. It is preferable that the mobile side display unit 130 also serves as the display unit of the mobile phone.

The mobile storage means 131 is a storage means provided in the mobile terminal 121. The mobile-side storage means 131 is also preferably used as a means for storing the telephone number of the mobile phone.

Note that the mobile terminal 121 has a return message means if necessary.

The electronic commerce terminal 122 includes electronic money billing means 132, authentication means 133, electronic money settlement request means 134, electronic commerce terminal side input means 135, electronic commerce terminal side display means 136, electronic commerce terminal side communication means 13.
7. It has an electronic commerce terminal side storage means 138.

The electronic money billing means 132 is means for carrying out the processing when the member store bills the electronic money from the customer.

The authenticating means 133 is a processing means for authenticating the electronic money of the correct user.

The electronic money payment requesting means 134 is a means for requesting a financial institution to settle the electronic money received from the customer.

[0475] The electronic commerce terminal side input means 135 is an input means provided in the electronic commerce terminal 122.

The electronic commerce terminal side display means 136 is a display means provided in the electronic commerce terminal 122.

The electronic commerce terminal side communication means 137 is a communication means provided in the electronic commerce terminal 122.

The electronic commerce terminal side storage means 138 is a storage means provided in the electronic commerce terminal 122.

The mobile center 123 has a center side communication means 139, an electronic money issue request relay means 140, an electronic money settlement request relay means 141, an electronic money return relay means 142, an authentication information distribution means 143, and a center side storage device 144. is doing.

[0480] The center side storage device 144 includes the financial related information database 145 and the electronic money issuing database 1.
Has 46.

The center side communication means 139 is a communication means provided in the mobile center 123.

The electronic money issuance request relay means 140 is a processing means for relaying an electronic money issuance request issued by a user to a financial institution.

The electronic money payment request relay means 141 is a means for relaying a message requesting payment of electronic money from a member store to a financial institution.

The electronic money return relay means 142 is means for relaying a message to the financial institution for returning the electronic money left by the user to the financial institution.

The authentication information delivery means 143 is means for delivering information for the member store to authenticate that the user is an authorized user, to the user and the member store.

The center side storage device 144 is a storage device provided in the mobile center 123.

The financial related information database 145 is a database for storing and managing financial related information such as user's account number, personal identification number, password and card number.

The electronic money issuance database 146 is a database for storing and managing electronic money issuance numbers, issuing financial institutions, and issuing destination mobile terminals.

The mobile center 123 may have a pull message sending means, if necessary.

The financial institution system 124 has financial institution side communication means 147, electronic money issuance processing means 148, electronic money balance check means 149, electronic money settlement processing means 150, and financial institution side storage device 151. The financial institution side storage device 151 includes a customer database 152,
It has an electronic money database 153.

4.2 Processing of Electronic Money System Next, processing of the electronic money system 120 will be described.

First, the general processing flow will be described.

FIG. 15 shows a schematic processing flow of the electronic money system 120.

As shown in FIG. 15, according to the electronic money system 120, first, the authentication information and the authentication information generation algorithm are distributed from the mobile center 123 to the mobile terminal 121 and the electronic commerce terminal 122. This authentication information and the authentication information generation algorithm are used in electronic commerce to confirm that the transaction partner is a legitimate user or a member store.

The authentication information and the authentication information generation algorithm are preferably updated daily.

Next, the financial institution system 124 issues a predetermined amount of electronic money together with the issue number to the mobile terminal 121 that intends to use the electronic money. The issued electronic money is stored in the mobile terminal 121 and used.

[0497] Next, electronic money is used for commercial transactions between the mobile terminal 121 and the electronic commercial transaction terminal 122. In use, the electronic commerce terminal 122 confirms that the electronic money is issued from the authorized financial institution to the authorized mobile terminal 121 by using the authentication information and the authentication information generation algorithm.

[0498] Next, the electronic money used in this way is the electronic money received from the electronic commerce terminal 122,
The remaining electronic money is transmitted from the mobile terminal 121 to the issuing financial institution.

The financial institution system 124 compares the electronic money received by the member store with the electronic money remaining in the mobile terminal 121, and confirms that the use of the electronic money is sound.

The above is the outline of the process of the electronic money system. Next, how the above process is actually performed in each system will be described with reference back to FIG.

[0501] First, the distribution of the authentication information and the authentication information generation algorithm will be described.

In FIG. 14, the mobile center 123
The authentication information distribution means 143 randomly selects a predetermined authentication information generation algorithm before starting the electronic money processing, and the authentication information generation algorithm uses this authentication information generation algorithm to individually identify the mobile phone number or the mobile terminal identification data. Generate authentication information for. Authentication information delivery means 143
Distributes the authentication information generated by the center-side communication means 139 to each mobile terminal 121 and the authentication information generation algorithm to each electronic commerce terminal 122 (S70).
10).

The authentication information generation algorithm outputs specific authentication information that is uniquely determined when the identification data of each mobile terminal 121 (telephone number or unique mobile terminal identification data) is input. The authentication information generation algorithm is preferably a predetermined calculation formula,
It may be a correspondence table of mobile terminal identification data and authentication information.

The mobile terminal 121 stores the received authentication information in the mobile side storage means 131, and the electronic commerce terminal 122 stores the authentication information generation algorithm in the electronic commerce terminal side storage means 138.

Next, the issuing of electronic money will be described.

When the mobile terminal 121 requests the issuance of electronic money, the electronic money issuance requesting means 125 issues a request for issuance of electronic money. The electronic money issuance requesting means 125, when activated, is mobile side display means 130
Displays an electronic money issuance request screen on (S7020),
Have the user enter the primary data of the electronic money issuance request including the amount of electronic money.

The electronic money issuance request primary data is data that includes the amount of requested electronic money, own mobile terminal identification data, and the like, but does not include financial-related information. In other words, the electronic money issuance request primary data is data that is not subject to plagiarism because it has no value for plagiarism.

[0508] When the user inputs the amount of money by the mobile side input means 128 (S7030), the electronic money issuance request means 125 transmits the electronic money issuance request primary data to the mobile center 123 by the mobile side communication means 129 (S7040). ).

[0509] In the mobile center 123 which has received the electronic money issuance request primary data, the electronic money issuance request relay means 140 transmits the electronic money issuance request from the financial related information database 145 to the mobile terminal 12.
The financial related information such as the card number of 1 is acquired and added to the electronic money issuance request primary data to generate the electronic money issuance request secondary data, which is transmitted to the financial institution system by the center side communication means 139 (S7050). ).

In the financial institution system 124 which has received the secondary data of the electronic money issuance request, the electronic money issuance processing means 148 accesses the electronic money database 153 to obtain the electronic money issuance number and the electronic money issuance amount. 153 and record (S
7060), and returns to the mobile center 123 by the financial institution side communication means 147 (S7070).

[0511] In the mobile center 123 that has received the electronic money issue number and the electronic money issue amount, the electronic money issue request relay means 140 issues the electronic money issue number, the issuing financial institution, and the issue destination mobile terminal to the electronic money. The data is recorded in the database 146 (S708).
0), the electronic money issuance number and the electronic money issuance amount are transmitted to the mobile terminal 121 that has issued the electronic money issuance request by the center side communication means 139 (S7090).

[0512] In the mobile terminal 121 which has received the electronic money issuance number and the electronic money issuance amount, the mobile side storage means 1 stores the electronic money issuance number and the electronic money issuance amount.
It is stored by 31 (S7100).

Under the above preparations, when a request for payment by electronic money is made, the electronic commerce terminal 122 activates the electronic money billing means 132. Electronic money billing means 1
32 displays the electronic money billing screen on the electronic commerce terminal side display means 136 (S7110), and the member store salesperson uses the electronic commerce terminal side input means 135 to enter the member store code, amount, payment method, product code, bill code. At least a part of the purchase data including is input (S7120), and the purchase data is transmitted to the mobile terminal 121 by the electronic commerce terminal side communication means 137 (S7130).

[0514] The purchase data can be only the amount of money.

[0515] The mobile terminal 1 that has received the purchase data.
In 21, the electronic money payment means 126 displays the purchase data on the mobile side display means 130 and requests the user to input confirmation (S7140), and when the user inputs confirmation (S7150), the purchase data Then, the authentication information and the mobile terminal telephone number or the mobile terminal identification data are added and returned as electronic money payment data to the electronic commerce terminal 122 (S7160).

In the electronic commerce terminal 122 which has received the electronic money payment data, the authenticating means 133 uses the mobile terminal telephone number or the mobile terminal identification data in the received electronic money payment data to execute the authentication information generation algorithm. The authentication information of the mobile terminal is calculated, and the calculated authentication information is compared with the authentication information in the received electronic money payment data (S7170).

[0517] When the calculated authentication information and the authentication information in the received electronic money payment data match, the authenticating means 133 causes the electronic commerce terminal side display means 136 to display a message indicating that the electronic money is true (S7180). , The received amount of electronic money is stored in the electronic commerce terminal side storage means together with the electronic money issue number (S719).
0).

In the electronic commerce terminal 122, the electronic money settlement requesting means 134 is activated for a certain period of time or by a predetermined operation of the electronic commerce terminal, and the electronic commerce terminal side storage means 13 is started.
The received electronic money stored in 8 and the electronic money issuance number thereof are transmitted to the mobile center 123 (S720).
0).

[0519] In the mobile center 123 that has received the received electronic money and the electronic money issuance number, the electronic money settlement request relay means 141 accesses the electronic money issuance database 146, and the issuer is issued based on each electronic money issuance number. Search for financial institution (S721
0), the center-side communication means 139 transmits the amount of electronic money requested for settlement and the electronic money issuance number to each issuing financial institution system (S7220).

[0520] In the financial institution system 124 which has received the amount of electronic money for which the settlement request has been made and the electronic money issue number thereof, the electronic money balance check means 14
9 accesses the electronic money database and checks whether or not the electronic money issuance number exceeds the issuance amount of electronic money (S7230).

[0521] When the electronic money is used in excess of the issued amount, the electronic money balance check means 149 sends an illegal use message to the mobile center 123 by the financial institution side communication means 147 (S7240). When the payment request for electronic money does not exceed the issued amount, the electronic money payment processing unit 150 causes the customer database 152
To perform settlement processing for each user's account (S7250).

In the mobile center 123 when the above unauthorized use message is received, the authentication information distribution means 143 abolishes the authentication information generation algorithm and the authentication information that have been used until then, and newly generates the authentication information. The algorithm and the authentication information are distributed to each electronic commerce terminal 122 and each mobile terminal 121 (S7260).

The above is the processing flow of the electronic money system 120.

According to this electronic money system 120,
When the user requests the issuance of electronic money, the user's financial-related information does not circulate on the communication network 6, so that the user's financial-related information does not leak outside.

[0525] Further, the authentication information updated by the mobile center 123 at every predetermined time allows the user and the member store to confirm that they are legitimate users of this system. As a result, it is possible to almost completely prevent the theft of the electronic money of another person.

Even if the electronic money is used by impersonating another person, the amount of electronic money used at any time is compared with the amount of electronic money requested for settlement in the financial institution system 124. If there is, the authentication information and the like are updated promptly, so that the spread of damage can be surely prevented.

[0527]

As is clear from the above description, according to the "electronic financial transaction system" of the present invention, the financial information of the user who is the target of plagiarism does not circulate on the communication network which is an open network. It is possible to realize an electronic financial transaction system that is extremely safe and reliable.

Also, since the mobile center side makes confirmation communication with the mobile terminal in response to a transaction request, it is possible to prevent impersonation of another person by a computer or the like. In addition, since the profile data is used for authentication, even if the mobile terminal is stolen, it can be prevented from being used by anyone other than the user himself.

[0529] Furthermore, since a call center confirms a large amount of transaction by a person, it is possible to prevent improper use by impersonating another person.

As described above, this electronic financial transaction system is essentially safe regardless of the communication means, so that any type of communication network such as the Internet can be used. Therefore, it is possible to realize an extremely convenient electronic financial transaction system in a wide range by using open communication means such as the Internet.

[0531] According to the electronic credit card system of the present invention, card information such as a card number that is the subject of stealing does not circulate on the communication network. Further, by processing such as confirmation communication and daily authentication, it is essentially extremely safe as in the electronic financial transaction system. Therefore, like the electronic financial transaction system, it is possible to realize an electronic credit or seed system that is safe and can be used in a wide range.

[0532] As described above, the electronic credit or seed system of the present invention can surely prevent illegal use. Therefore, it becomes possible to use a credit card even in a commercial transaction between remote places such as a mail order. The form of transaction can be enabled.

According to the electronic individual product installment system of the present invention,
Similar to the electronic financial transaction system or the electronic credit or seed system, it is possible to eliminate illegal use and realize an extremely safe and convenient individual product installment system.

Further, in the electronic individual product installment system of the present invention, since the credit card company customer information can be used by the credit sales company, it is possible to carry out an extremely quick individual product installment transaction. That is, conventionally, all the data necessary for the credit check when the customer enters into the individual product installment contract is filled in, and this is sent to each credit company by Fax, etc., and each credit company independently sends the customer based on the received Fax. Compared to the case of conducting a credit check, the time required for customer data entry is saved. In many cases, credit companies can use the credit card company's customer information as it is to carry out credit checks, so that the time taken for credit checks can be greatly shortened. Furthermore, if the credit sales company agrees to enter into an individual product installment contract, the contract can be immediately output from the electronic commerce terminal, which eliminates the trouble of creating a contractor.

As described above, it is possible to realize an electronic individual product installment system capable of making a quick individual product installment contract based on a highly reliable customer credit survey.

According to the electronic money system of the present invention, the financial related information of the user does not circulate on the communication network like the electronic financial transaction system and the electronic credit card system. In addition, the security is extremely high due to verification information and verification at financial institutions.

Further, the electronic money system of the present invention can use the same hardware as the electronic financial transaction system, the electronic credit card system and the like, and requires the special equipment such as the conventional IC card and IC card reader. Unlike a money system, a new equipment investment is not required, and an electronic money system with extremely high equipment efficiency can be realized.

[Brief description of drawings]

FIG. 1 is a block diagram showing a configuration and a processing flow of an “electronic financial transaction system” of the present invention.

FIG. 2 is a flowchart showing a schematic flow of overall processing of the “electronic financial transaction system” of the present invention.

FIG. 3 is a diagram showing only the configuration of an electronic credit card system according to the present invention.

FIG. 4 is a flowchart showing a processing flow of an electronic credit card system according to the present invention when only a mobile terminal is used.

FIG. 5 is a block diagram showing the configuration of an electronic credit card system according to the present invention and the flow of processing when only a mobile terminal is used.

FIG. 6 is a flowchart showing the flow of processing when a commercial transaction is carried out using an electronic credit card through communication between a mobile terminal and an electronic commerce terminal.

FIG. 7 is a block diagram showing a configuration and a flow of processing of an electronic credit card system in the case of performing a commercial transaction by an electronic credit card through communication between a mobile terminal and an electronic commerce terminal.

FIG. 8 shows a case of conducting a commercial transaction using an electronic credit card through communication between a mobile terminal and an electronic commerce terminal,
The flowchart which showed the flow of a process when it is made to confirm again at the member store after confirmation input of a user.

FIG. 9 shows a case of conducting a commercial transaction using an electronic credit card through communication between a mobile terminal and an electronic commerce terminal,
The block diagram which showed the structure of the electronic credit card system in the case of confirming again at a member store after confirmation input of a user, and the flow of a process.

FIG. 10 is a block diagram showing a configuration and a flow of processing of an electronic individual product installment system of the present invention in which a credit card company provides customer information to a credit sales company.

FIG. 11 is a flowchart showing the flow of processing of the electronic individual product installment system of the present invention in which the credit card company provides customer information to the credit sales company.

FIG. 12 is a block diagram showing a configuration and a processing flow of an electronic individual product installment system of the present invention for providing customer information to a credit company from a customer information center.

FIG. 13 is a flowchart showing the flow of processing of the electronic individual product installment system of the present invention for providing customer information from a customer information center to a credit sales company.

FIG. 14 is a block diagram showing the configuration and processing flow of the electronic money system of the present invention.

FIG. 15 is a block diagram showing the flow of processing of the electronic money system of the present invention.

[Explanation of symbols]

1 Electronic financial transaction system 2 mobile terminals 3 Mobile Center 4 financial institution system 5 Call center 6 communication network 7 communication lines 8 Financial Transaction Request Means 9 Financial transaction confirmation means 10 Authentication information management means by day 11 Non-return warning means 12 Mobile side input means 13 Mobile communication means 14 Mobile side display means 15 Mobile storage 16 Financial transaction data storage means 17 Daily authentication information storage means 18 Center side communication means 19 Financial Transaction Relaying Means 20 Financial transaction data distribution means 21 Financial Transaction Authentication Means 22 Daily authentication method 23 High-value transaction warning means 24 Non-return message sending means 25 Center storage 26 Financial Information Database 27 Financial Transaction Database 28 Profile database 29 Daily Authentication Information Database 30 financial institution side communication means 31 Financial Transaction Processing Means 32 Financial transaction data transmission means 33 financial transaction storage device 34 Financial Database 40 Electronic Credit Card System 41 Mobile terminal 42 Mobile Center 43 card company system 44 Electronic Commerce Terminal 45 Card Transaction Request Means 46 Card usage confirmation means 47 Rejection sending means 48 Mobile input means 49 Mobile communication means 50 Mobile display means 51 Mobile storage 52 Card usage data storage means 53 Card usage record storage means 54 Communication means on the center side 55 Card usage request relay means 56 Card usage data distribution method 57 Rejection message sending means 58 Center storage device 59 Card Information Database 60 member store database 61 Card usage database 62 Communication methods on the card company side 63 Card Transaction Processing Means 64 card data transmission means 65 Card company side storage device 66 Customer Database 67 Electronic Commerce Processing Means 68 Output means 69 Electronic Commerce Terminal Side Input Means 70 Electronic Commerce Terminal Side Display Means 71 Electronic Commerce Terminal Side Communication Means 72 Electronic Commerce Terminal Side Storage Means 80 Electronic individual product installment system 81 mobile terminals 82 Mobile Center 83 card company system 84 Credit Company System 85 Electronic Commerce Terminal 86 individual product installment requesting means 87 Mobile communication means 88 Mobile display means 89 Mobile side input means 90 Communication means on the center side 91 piece installment request relay means 92 Center storage device 93 Card Information Database 94 Card company communication means 95 Card company storage device 96 piece installment request processing means 97 Customer Database 98 Communication means on the credit company side 99 piece installment contract method 100 Credit company storage device 101 contract database 102 Credit customer database 103 Electronic individual product installment processing means 104 electronic commerce terminal side input means 105 electronic commerce terminal side display means 106 electronic commerce terminal side communication means 107 output means 108 electronic commerce terminal side storage means 110-piece installment system 111 Customer Information Center 112 Customer Information Center Side Communication Means 113 Individual product installment request processing means 114 Customer Information Center Storage 115 Customer Database 116 Card Information Database 120 electronic money system 121 Mobile terminal 122 Electronic Commerce Terminal 123 Mobile Center 124 financial institution system 125 Electronic Money Issuance Requesting Means 126 Electronic Money Payment Method 127 Electronic money return means 128 Mobile input means 129 Mobile communication means 130 Mobile display means 131 Mobile-side storage means 132 electronic money billing means 133 Authentication means 134 Electronic Money Payment Requesting Means 135 Electronic Commerce Terminal Side Input Means 136 electronic commerce terminal side display means 137 Electronic Commerce Terminal Side Communication Means 138 Electronic Commerce Terminal Storage Means 139 Communication means on the center side 140 Electronic Money Issuing Request Relay Means 141 Electronic Money Payment Request Relay Means 142 electronic money return relay means 143 Authentication Information Distribution Means 144 Center storage 145 Financial Information Database 146 Electronic Money Issuing Database 147 Financial Institution Side Communication Means 148 Electronic Money Issuing Processing Means 149 Electronic money balance check means 150 electronic money settlement processing means 151 financial institution side storage device 152 Customer Database 153 Electronic Money Database

─────────────────────────────────────────────────── ─── Continued Front Page (51) Int.Cl. ⁷ Identification Code FI G09C 1/00 660 G09C 1/00 660B 660C H04Q 7/38 H04B 7/26 109M

Claims (44)

(57) [Claims] 1. A financial transaction primary data including a financial transaction type, a required transaction amount, and mobile terminal identification data is received from a mobile terminal, and confirmation communication is performed with the mobile terminal indicated by the mobile terminal identification data to obtain a true financial transaction. When it is confirmed that the transaction request is made, the financial-related information of the user of the mobile terminal is retrieved from the financial-related information database that stores and manages the financial-related information of the user, and this is added to the financial transaction primary data to provide financial information. An electronic financial transaction system comprising a mobile center for generating transaction secondary data and transmitting the financial transaction secondary data to a financial institution system through a dedicated line to process the financial transaction. 2. The mobile center receives user financial transaction data from at least one financial institution system, arranges the financial transaction data for each user, and distributes the financial transaction data to each mobile terminal. The electronic financial transaction system according to claim 1, which is characterized. 3. When the mobile center receives a financial transaction request from a mobile terminal, the mobile center retrieves profile data of a user of the mobile terminal who has requested the financial transaction from a profile database storing profile data for user authentication, 2. The question data concerning a part of profile data randomly selected is transmitted to the mobile terminal, the reply data is received from the mobile terminal, and the reply data and the profile data are collated. Or the electronic financial transaction system according to 2. 4. The mobile center generates different daily authentication information for each mobile terminal and for each day, stores it in a daily authentication information database, and distributes it to each mobile terminal to process financial transactions. At that time, the financial transaction primary data to which the daily authentication information is added is received from the mobile terminal, the daily authentication information and the mobile terminal identification signal are extracted from the financial transaction primary data, and the daily authentication information database is accessed. 4. The electronic financial transaction system according to claim 1, wherein the daily authentication information is collated. 5. The mobile center displays the contents of the financial transaction on the display screen of the call center when the amount of the financial transaction exceeds a certain value.
5. The electronic financial transaction system according to any one of 4 to 4. 6. A financial transaction menu is displayed according to a user's request, and a financial transaction type and a required transaction amount are input,
The mobile terminal identification data is added to the input data to generate financial transaction primary data, which is sent to the mobile center and the financial related information corresponding to the mobile terminal identification data is added to the financial transaction primary data to perform the financial transaction. Generate secondary data, and send the financial transaction secondary data to a dedicated line.
An electronic financial transaction system having a mobile terminal for transmitting the information via a financial institution system. 7. The mobile terminal according to claim 6, wherein the mobile terminal receives question data regarding profile data from the mobile center, and transmits answer data input by a user to the mobile center for verification. Electronic financial trading system. 8. The mobile terminal receives, from the mobile center, daily authentication information that is different for each mobile terminal and for each day, and adds the daily authentication information to the financial transaction primary data in a financial transaction. The electronic financial transaction system according to claim 6 or 7, wherein the electronic financial transaction system is transmitted to the mobile center for verification. 9. The mobile terminal automatically detects that the mobile terminal has been charged, or detects that the mobile terminal has not been charged for a certain period of time, and automatically sends a return message to the mobile center. The electronic financial transaction system according to any one of 6 to 8. 10. A step of transmitting financial transaction primary data including a financial transaction type, a required transaction amount, and mobile terminal identification data from a mobile terminal to a mobile center, the mobile center including the received financial transaction primary data. A step of performing confirmation communication with the mobile terminal indicated by the mobile terminal identification data, wherein financial related information corresponding to the mobile terminal identification data of the financial transaction primary data is retrieved and added to the financial transaction primary data to perform a financial transaction. A step of generating secondary data and transmitting the secondary data from the mobile center to a financial institution system through a dedicated line ; and a step of processing data of the financial transaction based on the financial transaction secondary data received by the financial institution system. An electronic financial transaction method characterized by the above. 11. A member store code, amount of money,
The card usage primary data including the payment method, product code, billing code and mobile terminal identification data is received, and it is confirmed from the card usage primary data that the user is a registered user and a registered member store. Card information of the mobile terminal is acquired from a card information database that stores and manages card information and the mobile terminal identification data, and this is added to the card usage primary data to generate card usage secondary data. An electronic credit card system characterized by having a mobile center for transmitting the following data to a card company system through a dedicated line to perform processing for approval of card use. 12. A card use primary data including a purchase data including a member store code, an amount of money, a payment method, a product code, an invoice code and a mobile terminal identification data is received from an electronic commerce terminal, and registered from the card use primary data. Confirm the user and the registered member store, obtain the card information of the mobile terminal from the card information database that stores and manages the card information of each user and the mobile terminal identification data, and add this to the card usage primary data. And an electronic credit card system characterized by having a mobile center for generating card usage secondary data and transmitting the card usage secondary data to a card company system through a dedicated line to perform processing for card usage approval. . 13. The mobile center receives the card usage data of the user from the card company system and transmits the card usage data to each mobile terminal.
Alternatively, the electronic credit card system according to item 12. 14. The mobile center receives the card usage data of a user from at least one card company system, arranges the card usage data for each user, and transmits the data to each mobile terminal. The electronic credit card system according to any one of 11 to 13. 15. The mobile center, upon receiving the card usage primary data, performs confirmation communication with the mobile terminal indicated by the mobile terminal identification data of the card usage primary data, and if the card usage request is a true card usage request. The electronic credit card system according to any one of claims 11 to 14, wherein the next data generation process is performed. 16. The mobile center, when receiving the card usage primary data, retrieves the profile data of the user of the mobile terminal indicated by the mobile terminal identification data of the card usage primary data from the profile database storing the profile data for user authentication. Search and
A method for generating question data for a part of randomly selected profile data, transmitting the question data to the mobile terminal, receiving response data from the mobile terminal, and collating the response data with the profile data. Item 15. The electronic credit card system according to any one of items 11 to 14. 17. The mobile center generates daily authentication information that differs for each mobile terminal and for each day,
It is stored in the daily authentication information database and distributed to each mobile terminal. When using an electronic credit card, the card usage primary data with the daily authentication information added is received from the mobile terminal or the electronic commerce terminal, and the card usage is performed. 15. The daily authentication information and the mobile terminal identification signal are taken out from the primary data, and the daily authentication information database is accessed to collate the daily authentication information. Electronic credit card system. 18. The mobile center displays the contents of card usage on the display screen of the call center when the amount of card usage exceeds a certain value. Electronic credit card system described. 19. A card input screen for card use is displayed according to a user's request, and the user is made to input purchase data including a member store code, an amount of money, a payment method, a product code, and an invoice code, and the purchase data is mobile. The card usage primary data is generated by adding the terminal identification data, the card usage secondary data is transmitted to the mobile center, the card information corresponding to the mobile terminal identification data is added to the card usage primary data, and the card usage secondary data is generated. An electronic credit card system having a mobile terminal for transmitting secondary data for card use to a card company system through a dedicated line . 20. The mobile terminal automatically detects that the mobile terminal has been charged, or detects that the mobile terminal has not been charged for a certain period of time, and automatically sends a return message to the mobile center. The electronic credit card system according to Item 19. 21. When a request to use an electronic credit card is made, a member store salesperson is made to input purchase data including a member store code, an amount of money, a payment method, a product code and an invoice code, and the purchase data is sent to a mobile device. Send to the terminal, request the mobile terminal to confirm the user's confirmation, add the mobile terminal identification data to the purchase data to generate the card use primary data when the user's confirmation is input, and transmit to the mobile center Then, the mobile center adds card information corresponding to the mobile terminal identification data to the card usage primary data to generate card usage secondary data, and the card usage secondary data is used for a dedicated line.
An electronic credit card system characterized by having an electronic commerce terminal for transmitting to a card company system via a terminal to perform processing for approval of card use. 22. When a request to use an electronic credit card is made, a member store salesperson is made to input purchase data including at least a part of a member store code, an amount of money, a payment method, a product code, and an invoice code, and the Send purchase data to the mobile terminal, request the mobile terminal to confirm the user's confirmation, and add the mobile terminal identification data to the purchase data to generate the card usage primary data when the user's confirmation is input. When receiving the generated primary data for card use, the salesperson of the member store inputs confirmation and inputs the purchase data of the remaining portion when the purchase data has the remaining portion, and sends it to the mobile center, and the mobile terminal The center adds the card information corresponding to the mobile terminal identification data to the card usage primary data to generate the card usage secondary data. Then, the card use secondary data
An electronic credit card system having an electronic commerce terminal which transmits to a card company system through a dedicated line to perform processing for approval of card use. 23. The member store code, the amount of money,
A step of transmitting the card usage primary data including the purchase data including the payment method, the product code and the billing code and the mobile terminal identification data to the mobile center, wherein the mobile center uses the card usage primary data to register the registered user and the registered member store. After confirming that the card usage primary data, the card information corresponding to the mobile terminal identification data of the card usage primary data is obtained, and this is added to the card usage primary data to generate the card usage secondary data. Transmitting the next data to the card company system through a dedicated line ; the card company system judges whether the card can be used, and if the card can be used, creates card use approval data. Transmitting the card use approval data to the mobile center, and the card use approval data Received mobile centers are processing method of an electronic credit card, characterized in that and a step of transmitting said card use authorization data to the mobile terminal when the merchants and necessary. 24. A step of transmitting purchase data including a member store code, an amount of money, a payment method, a product code, and an invoice code from an electronic commerce terminal to a mobile terminal, and the mobile terminal receiving the purchase data confirms with a user. The step of transmitting the card usage primary data by adding the mobile terminal identification data to the purchase data, and transmitting the card usage primary data to the mobile center; and the mobile center receiving the card usage primary data, After confirming that it is a registered user and a registered member store based on the card usage primary data, the card information corresponding to the mobile terminal identification data of the card usage primary data is acquired and added to the card usage primary data. to generate a card use secondary data, through a dedicated line this card use secondary data And the card company system determines whether the card can be used, creates card use approval data when the card is available, and sends the card use approval data to the mobile center. And a step of transmitting the card use approval data to the member store and the mobile terminal when necessary, by the mobile center receiving the card use approval data. Processing method. 25. A step of transmitting purchase data including at least a part of a member store code, an amount of money, a payment method, a product code, and an invoice code from an electronic commerce terminal to a mobile terminal, and the mobile terminal receiving the purchase data. A step of causing a user to perform confirmation input, adding mobile terminal identification data to the purchase data to generate card usage primary data and returning the card usage primary data to the electronic commerce terminal; and the electronic commerce terminal receiving the card usage primary data. However, the step of causing the member store salesperson to input confirmation and input the purchase data of the remaining portion if the purchase data has the remaining portion, and transmitting the card use primary data to the mobile center, The mobile center that receives the primary data for card usage allows the registered user and the registered member store to use the primary data for card usage. After confirming that the card use primary data, the card information corresponding to the mobile terminal identification data of the card use primary data is obtained, and this is added to the card use primary data to generate the card use secondary data. The step of transmitting the next data to the card company system through a dedicated line, the card company system judges whether the card can be used, creates card use approval data when the card can be used, and uses this card use approval data. And a step of transmitting to the mobile center, the mobile center having received the card use approval data, transmitting the card use approval data to the member store and the mobile terminal when necessary. How to process electronic credit cards. 26. The individual product installment primary data including the purchase data including the member store code, the amount of money, the payment method, the product code, the invoice code and the mobile terminal identification data is received from the electronic commerce terminal, and the individual product installment primary data. From the card information of the mobile terminal concerned, add this to the individual product installment primary data to generate individual product installment secondary data, and send this individual product installment secondary data to the card company system, The company system is made to retrieve the customer information corresponding to the card information included in the individual product installment secondary data, and this customer information and the card information of the individual product installment secondary data are replaced to obtain the individual product installment tertiary data. Generate it and send it to the credit company system, let the credit company system judge whether the contract is possible, and create contract data if it is judged that an individual installment contract is possible. Electronic individual commodity installment system characterized by having the agreement data received by the sending to the electronic commerce terminal, a mobile center for outputting the individual articles installment contracts in the electronic commerce terminal. 27. Purchase data including a member store code, amount of money, payment method, product code, invoice code and individual product installment primary data including mobile terminal identification data are received from an electronic commerce terminal and transferred to a customer information center. , The customer information center is searched for customer information corresponding to the mobile terminal identification data, the customer information is added to the individual product installment primary data to generate individual product installment secondary data, and the individual product installment secondary data is generated. Send the data to the credit company system, let the credit company system determine whether the contract can be made, create contract data when it is judged that an individual installment contract is possible, receive this contract data and send it to the electronic commerce terminal An electronic individual product installment system comprising a mobile center for transmitting and outputting a contract for individual product installment to the electronic commerce terminal. 28. The mobile center, upon receiving the individual product installment primary data, performs confirmation communication with the mobile terminal indicated by the mobile terminal identification data of the individual product installment primary data. Electronic individual product installment system described. 29. When the mobile center receives the individual product installment primary data, the profile of the user of the mobile terminal indicated in the mobile terminal identification data of the individual product installment primary data from the profile database storing the profile data for user authentication. Search data, generate question data for some randomly selected profile data, send it to the mobile terminal, receive answer data from the mobile terminal, and collate the answer data with the profile data. 28. The electronic individual product installment system according to claim 26 or 27. 30. The mobile center generates daily authentication information that is different for each mobile terminal and for each day,
When it is stored in the daily authentication information database and is distributed to each mobile terminal and the individual product installment primary data with the daily authentication information added is received from the electronic commerce terminal, the individual product installment primary data is converted into daily authentication information. Take out the mobile terminal identification signal,
27. The daily authentication information database is accessed to collate the daily authentication information.
The electronic individual product installment system according to item 7. 31. Receive purchase data including at least part of a member store code, an amount of money, a payment method, a product code, and an invoice code from an electronic commerce terminal, display the purchase data, and make an individual product installment contract to a user. A mobile terminal for inputting necessary data, adding mobile terminal identification data to generate individual product installment primary data when the user's input is completed, and returning the data to the electronic commerce terminal Electronic individual product installment system. 32. The individual product installment secondary data including the purchase data including the member store code, the amount of money, the payment method, the product code and the invoice code, the mobile terminal identification data and the card information is received, and the individual product installment secondary data is received. The customer information corresponding to the card information included in the data is searched, and the customer information and the card information of the individual product installment secondary data are exchanged to generate individual product installment tertiary data. An electronic individual product installment system, which has a card company system for transmitting the information to a credit sales company system. 33. The customer information corresponding to the mobile terminal identification data is received by receiving individual product installment primary data including the purchase data including the member store code, the amount of money, the payment method, the product code, and the bill code and the mobile terminal identification data. And adding this customer information to the individual product installment primary data to generate individual product installment secondary data, and transmitting the individual product installment secondary data to the credit sales company system. Electronic individual product installment system. 34. A step of transmitting at least a part of purchase data including a member store code, an amount of money, a payment method, a product code, and an invoice code from an electronic commerce terminal to a mobile terminal, and the mobile terminal receiving the purchase data. A step of causing the user to input the data necessary for the individual product installment contract, adding mobile terminal identification data when the user's input is completed to generate individual product installment primary data, and returning this to the electronic commerce terminal; , The electronic commerce terminal receiving the individual product installment primary data,
A step in which the member store salesperson inputs the confirmation and the purchase data of the remaining portion if the purchase data includes the remaining portion, and transmits the individual product installment primary data to the mobile center, The mobile center that receives the product installment primary data acquires the card information corresponding to the mobile terminal identification data of the individual product installment primary data, adds this card information to the individual product installment primary data, and adds the individual product installment secondary data. The step of generating data and transmitting this individual product installment secondary data to the card company system, and the card company system that received the individual product installment secondary data are included in the individual product installment secondary data. The customer information corresponding to the card information is searched, and the card information of the individual product installment secondary data and the customer information are exchanged to generate individual product installment tertiary data. The step of transmitting the data to the credit sales company system, the credit sales company system that received the individual product installment tertiary data determines whether the contract is possible, and creates contract data when it is determined that the individual product installment contract is possible, A step of transmitting the contract data, and a method of processing an electronic individual product installment. 35. A step of transmitting at least a part of purchase data including a member store code, an amount of money, a payment method, a product code and an invoice code from an electronic commerce terminal to a mobile terminal, and the mobile terminal receiving the purchase data. A step of causing the user to input the data necessary for the individual product installment contract, adding mobile terminal identification data when the user's input is completed to generate individual product installment primary data, and returning this to the electronic commerce terminal; , The electronic commerce terminal receiving the individual product installment primary data,
A step in which the member store salesperson inputs the confirmation and the purchase data of the remaining portion if the purchase data includes the remaining portion, and transmits the individual product installment primary data to the mobile center, The mobile center that receives the product installment primary data transfers the individual product installment primary data to the customer information center, and the customer information center that receives the individual product installment primary data sets the customer corresponding to the mobile terminal identification data. Obtaining information, adding this customer information to the individual product installment primary data to generate individual product installment secondary data, and transmitting the individual product installment secondary data to the credit sales company system; and the individual product installment A step in which the credit company system that receives the secondary data determines whether or not the contract is possible, creates contract data when it is determined that the individual product installment contract is possible, and transmits the contract data. Electronic individual article installment processing method characterized by having a. 36. A predetermined authentication information generation algorithm is randomly selected, and individual authentication information corresponding to each mobile terminal is generated from the telephone number of the mobile terminal or the mobile terminal identification data using the authentication information generation algorithm. ,
An electronic money system comprising: a mobile center that distributes the authentication information to each mobile terminal and distributes the authentication information generation algorithm to the electronic commerce terminal. 37. The mobile center abolishes the authentication information generation algorithm and the authentication information that have been used up to then, and replaces the newly generated authentication information generation algorithm and the authentication information with each electronic commerce terminal. The electronic money system according to claim 36, wherein the electronic money system distributes the information to each mobile terminal. 38. An electronic money issuance request primary data including a monetary amount and mobile terminal identification data is received from the mobile terminal, and financial related information database for storing and managing financial related information of the user by the mobile terminal identification data is used to store the data of the mobile terminal. Search for financial information of users,
The electronic money issuance request secondary data is added to the electronic money issuance request primary data, the electronic money issuance request secondary data is transmitted to the financial institution system through a dedicated line, and the electronic money issuance number is sent to the financial institution system. And an electronic money system having a mobile center for transmitting the issued amount of electronic money. 39. At least a part of purchase data including a member store code, an amount of money, a payment method, a product code, and an invoice code is received from an electronic commerce terminal, the purchase data is displayed, and a confirmation is input to a user. In addition, when there is a confirmation input from the user, the purchase data includes a phone number of the mobile terminal using a predetermined authentication information generation algorithm or the authentication information calculated from the mobile terminal identification data and the phone number of the mobile terminal. Alternatively, the electronic money system includes a mobile terminal which adds mobile terminal identification data and transmits the electronic money payment data to the electronic commerce terminal. 40. At least a part of purchase data including a member store code, an amount of money, a payment method, a product code and an invoice code is transmitted to a mobile terminal, and the purchase data and a predetermined authentication information generation algorithm are sent from the mobile terminal. Using the authentication information generation algorithm, the electronic money payment data having the authentication information calculated from the mobile terminal telephone number or mobile terminal identification data and the mobile terminal telephone number or mobile terminal identification data is received. Characterized in that it has an electronic commerce terminal that calculates authentication information from the received mobile terminal telephone number or mobile terminal identification data and collates the calculated authentication information with the authentication information in the received electronic money payment data. Electronic money system. 41. The mobile center randomly selects a predetermined authentication information generation algorithm and uses the authentication information generation algorithm to identify individual authentication information corresponding to each mobile terminal from the mobile terminal's telephone number or mobile terminal identification data. Is generated, the authentication information is distributed to each mobile terminal, and the authentication information generation algorithm is distributed to the electronic commerce terminal. 42. A step of transmitting at least a part of purchase data including a member store code, an amount of money, a payment method, a product code, and an invoice code from an electronic commerce terminal to a mobile terminal, and receiving at least a part of the purchase data. The mobile terminal causes the user to perform confirmation input, and when there is confirmation input by the user, the purchase data is calculated from the phone number or mobile terminal identification data of the mobile terminal using a predetermined authentication information generation algorithm. Returning the electronic money payment data with the added authentication information and the telephone number of the mobile terminal or the mobile terminal identification data to the electronic commerce terminal, the electronic commerce terminal receiving the electronic money payment data, The mobile phone number or model received using the authentication information generation algorithm. Yl estimated authentication information from the terminal identification data, processing method of an electronic money system, characterized in that and a step of collating the authentication information of the electronic in money payment data received with the estimated authentication information. 43. A step of transmitting electronic money issuance request primary data including an amount of money and mobile terminal identification data from a mobile terminal to a mobile center, and the mobile center having received the electronic money issuance request primary data, the mobile terminal identification data. The financial related information database that stores and manages the financial related information of the user is searched for the financial related information of the user of the mobile terminal, and the electronic money issuing request secondary data is added to the electronic money issuing request primary data to generate the electronic money issuing request secondary data. A process of an electronic money system, comprising the step of transmitting the electronic money issuance request secondary data to a financial institution system through a dedicated line, and causing the financial institution system to transmit an electronic money issuance number and an electronic money issuance amount. Method. 44. A step of transmitting an electronic money issuance number and an electronic money issuance amount from a financial institution system to a mobile center, and the mobile center receiving the electronic money issuance number and the electronic money issuance amount is the electronic money issuance number. The issuing financial institution and the issuing destination mobile terminal are recorded in the electronic money issuing database, and the electronic money issue number and the electronic money issue amount are transmitted to the issuing destination mobile terminal, and the electronic money received from the electronic commerce terminal Sending the money and the electronic money issuance number to the mobile center, and the mobile center receiving the received electronic money and the electronic money issuance number searches the issuing financial institution based on each electronic money issuance number Then, the amount of electronic money requested to be settled by each issuing financial institution system and Processing method of an electronic money system, characterized in that it comprises a step of transmitting and those of the electronic money issuance number, the.