JP3902602B2 - Server apparatus and asynchronous electronic payment service method using the same - Google Patents

Description

  The present invention relates to a server device and an asynchronous electronic settlement service method using the same, and more specifically, using a variety of communication networks such as a general public line, the Internet, a wireless communication network, etc. It relates to a service providing method for enabling electronic payments to be made asynchronously with Internet auctions and online stores from a communication terminal such as a telephone without using a special password or the like under high anonymity. Is.

  In recent years, there are increasing cases of receiving paid services using a communication line or receiving paid services such as browsing paid content by connecting to the Internet using a mobile phone or the like. In such a case, a postpaid settlement method using a credit card or the like has been employed. In this case, authentication is usually performed based on personal information of the user.

  For example, in Patent Document 1, after payment with a credit card, a mobile communication terminal having a caller ID notification function communicates with a payment settlement organization, and personal authentication is performed using a personal identification number, signature, etc. In this method, there is a problem with confidentiality because all information such as what kind of paid service was used is transmitted when communicating with the payment settlement organization. .

  On the other hand, in Patent Document 2, a system is proposed in which authentication is performed by a nearby telephone and the user can easily receive a paid service while maintaining anonymity of the user. In this system, when a user who has been registered in the system in advance accesses the system, personal authentication is performed on the system side, and if the authentication is obtained, a paid service or the like can be provided.

JP-A-11-345264 JP 2002-373293 A

  However, even in the technique disclosed in Patent Document 2, the user needs to know the account number of the other party, the anonymity is lost, the input of the other party's account number, the ID or password There are various problems such as complicated operations because input has to be performed, and further, if this password is known to others, it is easily “spoofed”, so that the security is low.

  In addition, for businesses involved in electronic payments, the security is low as described above, so it is necessary to hedge against such risks by insurance, etc., and a highly secure system such as using an IC card is introduced. When trying to do so, there is a problem that the introduction cost and the management cost of the infrastructure are increased, which makes it difficult to introduce the system.

  The present invention has been made in view of the above circumstances, and its purpose is to eliminate the problems based on the conventional technology, maintain anonymity, simplify the operation of the user as much as possible, and It is also an object of the present invention to provide a service method of asynchronous electronic payment that can be constructed using the existing system as much as possible.

  In order to achieve the above object, the server apparatus according to the present invention responds to a request for receipt of money including at least the calling party number of the recipient's terminal and the amount desired to be received from the recipient's terminal. On the other hand, the server device is capable of connecting to the receiver's terminal, comprising means for realizing the first step of returning information including a predetermined contact ID.

  Further, when the server device according to the present invention receives information including at least the calling party number of the sender's terminal, the amount of money desired to be sent, and a predetermined contact ID from the sender's terminal, The contact ID received from the receiver's terminal is compared, and if both the contact IDs match, it is determined that remittance from the sender to the receiver has been established. A server device capable of being connected to the terminal of the sender, comprising means for realizing the second step of updating the balance information of the sender.

  The most preferable form of the server device according to the present invention is a server device comprising the means for realizing the first step and the means for realizing the second step, and capable of being connected to the money receiver and the money sender. is there.

  On the other hand, in the asynchronous electronic payment service method according to the present invention, a receiver or a sender who has a terminal that can be connected to the server apparatus via the server apparatus described above, the server apparatus is the receiver. It is a service method of asynchronous electronic payment, characterized in that it is associated with the contact ID assigned to the.

  Here, in the asynchronous electronic payment service method according to the present invention, the connection between the receiver or the sender and the server device is preferably realized through a general public line or the Internet. May be performed either by wire or wirelessly.

  Further, the present invention can be commercialized as a computer control program for realizing the functions of the server device described above, or a computer-readable recording medium on which the computer control program is recorded. It goes without saying that the scope of rights of the invention extends to such a program or recording medium.

  ADVANTAGE OF THE INVENTION According to this invention, while maintaining anonymity and simplifying a user's operation as much as possible, it can implement | achieve the service method of the asynchronous electronic payment which can be constructed | assembled in the form which utilized the existing system for the provider side to the maximum This is a remarkable effect.

  More specifically, the present invention makes it possible to send and receive money while maintaining anonymity without using so-called authentication passwords, IDs, etc. and operate this service. This is a highly practical technology that enables service providers to provide services by making the best use of existing infrastructure.

  Hereinafter, an asynchronous electronic payment service method according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

  FIG. 1 is a sequence chart for explaining details of an asynchronous electronic payment service method according to an embodiment of the present invention. In the following description, the step number indicating the order of the operation sequence is abbreviated as “S1” for step 1, for example.

Here, a case where a user who opens an online store requests payment for the provided service (this is called a request for payment) will be described as an example.
When the above-mentioned user who opens an online store (hereinafter referred to as a beneficiary) asks the user who provided the service (hereinafter referred to as a “sender”) to pay the usage fee by electronic payment. The operation shown in FIG. 1 is performed.

  That is, the receiver receives a predetermined telephone number for receiving the price (for starting the operation for receiving the price) from the mobile phone to the server device of the system operating this service (here Then, # 3333) is called (S1), and # 800 indicating the desired amount of money to be received (transaction amount, here assumed to be 800 yen) is notified by a push button operation (S2). Note that as the information indicating the receiver, the mobile phone number of the receiver is notified to the server device of the system by the calling number notification function (S1).

  The server device of the system records the above-mentioned beneficiary's mobile phone number and transaction amount in a temporary storage database (temporary DB) connected to the self-device, Is transmitted (hereinafter referred to as a session ID). In addition, this transmission is transmitted by voice by a numeric string such as “12345”. The server device also records this session ID in the temporary DB. After the transmission, the line connection is disconnected from the server device side (S3).

  In addition to the session ID, transaction account information (account number, balance information, etc.) regarding the receiver may be transmitted to the receiver. For this transmission, it is desirable to transmit by voice to prevent leakage to the outside.

The beneficiary who has received the session ID transmits the session ID and the transaction amount of the transaction (in this case, 800 yen) to the remittance by an arbitrary method. As a transmission method in this case, various methods such as a telephone (including a mobile phone), a facsimile, an electronic mail, and a mail can be selected .
Thereafter, the process is in a standby state until the remittance responds.

  When the remittance has decided the intention of remittance through the above-mentioned information transmission from the beneficiary, the remittance is for the predetermined payment for the server device from the mobile phone. Call (S11) the telephone number (for starting payment operation) (S11) and indicate the desired remittance amount (transaction amount, here, the above-mentioned 800 yen) # 800 The session ID (here, 12345) transmitted from the beneficiary is notified by a push button operation (S12). Note that as the information indicating the sender, the number of the sender's mobile phone is notified to the server device by the calling number notification function (S13).

  The server device that has received this notification indicates whether or not the combination of the session ID (here, 12345) transmitted from the sender and the amount of money to be sent (payment amount to the receiver account) is correct in the temporary DB. A check is made by comparison with the stored contents (S21). This comparison can be performed by referring to the temporary DB and searching for a beneficiary corresponding to the session ID and checking whether or not the transaction amounts match.

  As a result of the above check, if the information on the sender and receiver is the same, the balance of the receiver in the balance DB, which is a database for managing balance information of the account of the sender and receiver, is 800 yen. Increase and reduce the balance of the remittance by 800 yen to execute remittance between them (S22). When these series of processes are completed, the line connection is disconnected from the server device side (S14).

  Through the above operation, both the recipient and the sender can execute the remittance / receipt without receiving an instruction from the server device to perform a troublesome operation such as inputting a password or ID. did it. Such payment is a new form that has not existed before.

  In the above embodiment, a case has been described in which both the beneficiary and the remittance use a mobile phone (which has a caller ID notification function), but the present invention is limited to this. However, if it has a caller ID notification function, it can also be realized using a fixed telephone or an information processing terminal (regardless of a fixed type or a mobile type).

  In FIG. 2, the operation | movement in the case of confirming the balance of an account with respect to a server apparatus from the user corresponded to the above-mentioned beneficiary or remittance is demonstrated. This is a necessary function for the money receiver to confirm the payment, and for the money sender to confirm whether or not the money transfer has been executed correctly.

  The user makes a call from the mobile phone to the above-mentioned server device for a predetermined phone number for balance inquiry (here, # 5555) (S41). Again, the caller's telephone number is transmitted to the server device. Correspondingly, the settlement operator in the server device searches for the balance information of the user corresponding to the caller information (S31), and the result is, for example, “Balance is 1251 yen” The user is answered by voice (S42). The user who acknowledges this answer disconnects the line connection and ends (S43).

  In the above-described embodiment, the present invention is exemplified as a case where payment is made between a remittance who receives a paid service from an online store and a payee who provides the service. In addition, it can be said to be an easy and highly confidential method that can be applied to close payments such as collection and payment of food and beverage costs between groups.

According to the settlement service method of the present invention, the following effects can be obtained.
Since the information shared with the sender / receiver is only the session ID and the amount of money, the user side can make a transaction anonymously. Since authentication is performed using the calling number (caller number) information, there is no information such as a password or ID that the user should remember. In addition, since authentication is performed using the numbering information, technical knowledge at the level of remodeling the mobile phone is required for impersonation, and safety is significantly improved compared to password authentication.

  On the electronic payment service provider's side, it is safer than password authentication, so the risk hedge cost can be reduced accordingly. Since a mobile phone system maintained and operated by a mobile phone company is used and the cost is borne by the user, infrastructure costs other than the server are almost unnecessary.

  Although the present invention has been described in detail above, the present invention is not limited to the above-described embodiments, and various improvements and modifications may be made without departing from the spirit of the present invention. Absent.

It is a sequence chart for demonstrating the detail of the service method of the asynchronous electronic payment which concerns on one Embodiment of this invention. It is a sequence chart for demonstrating the balance inquiry method of the transaction account used incidentally to this embodiment.

Explanation of symbols

  S1-S34 operation steps

Claims (8)

A server device connected to a terminal of a receiver and a terminal of a sender, and comprising a balance database for managing balance information of the account of the sender and the receiver;
Information for identifying the transaction (for communication) in response to a request for receipt of money including at least the calling party number of the recipient and the amount desired to be received from the connected recipient's terminal. ID) and a first means for recording in the temporary database the ID for contact, the desired amount notified from the receiver and the calling party number of the receiver of the receiver,
A combination of the received contact ID and the desired amount when receiving information including at least the originating number of the sender's terminal, the amount of money desired to be sent, and the contact ID from the connected sender's terminal Whether or not there is matching information is checked by comparison with the contents stored in the temporary database, and if the information matches as a result of the check, the remittance from the sender to the receiver is established. A server device comprising: second means for updating the balance information of the sender and the balance information of the receiver in the balance database. A server comprising a balance database for managing balance information of the account of the sender and the receiver, connected to the receiver's terminal and the sender's terminal, and connected to the sender's terminal and the receiver's terminal An electronic payment service method using a device,
The server device
Information for identifying the transaction (for communication) in response to a request for receipt of money including at least the calling party number of the recipient and the amount desired to be received from the connected recipient's terminal. ID) and a first procedure for recording in the temporary database the contact ID, the desired amount notified from the receiver, and the calling party number of the receiver.
A combination of the received contact ID and the desired amount when receiving information including at least the originating number of the sender's terminal, the amount of money desired to be sent, and the contact ID from the connected sender's terminal Whether or not there is matching information is checked by comparison with the contents stored in the temporary database, and if the information matches as a result of the check, the remittance from the sender to the receiver is established. Asynchronous electronic settlement service method, wherein the second procedure for updating the balance information of the sender and the balance information of the receiver in the balance database is executed. The asynchronous electronic payment service method according to claim 2,
In the first procedure, an asynchronous electronic payment service method is characterized in that the contact ID is sent back to the beneficiary by voice. The asynchronous electronic payment service method according to claim 2, wherein:
An asynchronous electronic payment service method comprising a step of connecting the terminal of the receiver or the terminal of the sender and the server device through any one of a public line, the Internet, and a wireless communication network. A service method for asynchronous electronic payment according to any one of claims 2 to 4,
A service method for asynchronous electronic settlement, comprising a step of notifying the sender of information including the contact ID from the receiver. A service method for asynchronous electronic payment according to any one of claims 2 to 5,
The asynchronous electronic payment service method, wherein the information returned to the receiver in the first procedure includes balance information of the receiver at the time.   The program for making a computer perform each procedure in the service method of the asynchronous electronic payment in any one of Claims 2-6.   A computer-readable recording medium in which a program for causing a computer to execute each procedure in the asynchronous electronic payment service method according to any one of claims 2 to 6 is recorded.

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