JP4579405B2 - Payment system using mobile phone terminals - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a mobile communication terminal device, a so-called mobile phone terminal, and a payment system using the Internet, and more particularly to a payment system using a credit card network.
[0002]
[Prior art]
Recently, when receiving information from a mobile phone terminal via the Internet or purchasing digital contents (sound information, image information, etc.), payment for these services is also made via the Internet using a mobile phone terminal. It has come to be.
Conventionally, settlement via the Internet using a mobile phone terminal has been centered on the following two methods.
[0003]
1) Depending on the system operator that the mobile telecommunications carrier collects and collects the call charge, the maximum amount of payment is about 2000 yen, and only the information fee and digital content fee are covered. A method in which a mobile carrier replaces a provider of information and digital contents and collects the call charges and withdraws it from the user's account or sends an invoice with a transfer form to collect it. is there.
[0004]
2) A credit card collection method information or digital content provider individually registers a user's credit card number in advance and issues an ID number and a password (PW) to the registered user. When paying the price, the user uses the ID number and password to give a settlement instruction to the content provider. The content provider performs identity authentication using the ID number and password presented by the user, and performs credit card settlement using the registered credit card number associated with the ID number.
[0005]
[Problems to be solved by the invention]
The above 1) has a drawback that it has to depend on the service system of each individual mobile communication carrier and lacks versatility. That is, there are difficulties such as being unable to handle purchases of various products and the like and limited to cases where the settlement amount is relatively low. The reason why the settlement amount is relatively low is that if the telecommunications carrier collects and collects the call charge, the collection agent part may be higher than the call charge and the call charge collection risk of the main business increases.
The above 2) is based on the assumption that the member is a credit card member and cannot be used by a non-credit card member.
[0006]
SUMMARY OF THE INVENTION In view of the above situation, an object of the present invention is to provide a versatile credit card type payment system using a mobile phone terminal and the Internet, which can be used even by a non-credit card member. The “credit card system” in the present invention means a payment system that uses at least a credit card network, although a credit check in a normal credit card system is not necessarily required.
[0007]
[Means for Solving the Problems]
In order to achieve the above object, the present invention provides the following configurations.
By using a credit card payment system, a mobile phone terminal capable of transmitting information to and from a website via the Internet , a user who is a non-credit card member and a virtual store that does not have a member store system In a payment system having a server that makes payments between, the server
Accept registration data transmitted from the mobile phone terminal via the website only issues an ID number to the registration data, and means for returning to said mobile telephone terminal,
Means for issuing a virtual credit card number associated with the ID number, and storing the ID number and the virtual credit card number in a member database;
The transfer amount of money that has been Furikomima to the financial institution account of the operating agency under the name by the user to identify the ID number, and the means to be stored in the balance database as a balance in association with the ID number,
When the user inputs the ID number for the conduct and payment transactions with virtual store by using the mobile phone terminal, it receives the balance confirmation request about the payment amount of money that you identified the ID number from the virtual store , referring to the balance database on the basis of the ID number, together with the payment amount is trust return the approval data as long as it is within the balance to the virtual store, to update the balance database the payment amount was deducted from the balance Means,
Means for referring to the member database based on the ID number, obtaining the associated virtual credit card number, and transmitting it to a credit card company together with sales data including the payment amount ;
With respect to claims from the credit card company paid the payment amount with respect to the virtual store on the basis of the sales data, with a, and hand-stage to run the payment processing for the payment amount for the credit card company.
[0017]
DETAILED DESCRIPTION OF THE INVENTION
Embodiments of the present invention will be described below with reference to the drawings.
1) First Embodiment FIG. 1 is a schematic configuration diagram of a payment system using a mobile phone terminal and the Internet according to a first embodiment of the present invention. In the figure, arrows from S1 to S11 indicate a schematic flow from step 1 to step 11 in the present embodiment.
The mobile phone terminal 12 is used by a user of the payment system of the present embodiment, and has a function of browsing a web page via the Internet 19 and transmitting bidirectional information to and from the website. For example, an application such as a web browser is installed.
[0018]
It should be noted that the user of this embodiment is not a member of any credit card company. That is, no credit card has been issued and no regular credit card number is available.
[0019]
The server operating organization 20 becomes a system operating center organization in the present embodiment. The server operating organization constructs a website by a web server (not shown), and can transmit information to other sites (server site and user site) via the Internet. The server operating organization 20 includes a balance database server and a balance database 22 that is a storage means thereof, a member database server and a member database 24 that is a storage means thereof, a payment server 26, and a payment database that is a storage means thereof. Will be described later in the description of the flow.
[0020]
A financial institution 30 such as a bank has an account 32 in the name of a user and an account 34 in the name of a server operating institution. In the illustrated example, these accounts 32 and 34 exist in the same financial institution, but do not necessarily need to exist in the same financial institution. When both accounts exist in the same financial institution, it is preferable in terms of feasibility (cost and cooperation).
[0021]
The virtual store 40 is a virtual store provided on a website that is constructed by a web server and accessed via the Internet. The user can specify and access the URL of the web server on which the virtual store 40 is installed via the Internet, download digital contents, or perform so-called electronic shopping.
[0022]
Next, the flow of the first embodiment of FIG. 1 will be described.
Step 1: The owner of the mobile phone terminal 12 who intends to use the settlement system according to the present embodiment first accesses the website of the server operating organization 20 from the mobile phone terminal 12 via the Internet 19 and receives registration application data. Transmit (S1). The member database server of the server operating organization 24 that received the registration application data issues an ID number and password for the new member who applied for registration, and the issued information is a member along with the new member's personal information (name, address, etc.). Store in the database 24.
[0023]
FIG. 2 is a diagram showing a schematic configuration of the member database 24. It is preferable to further set a virtual credit card number in association with an ID number that is an identification mark and a password for ensuring security.
The payment system of the present invention utilizes a credit card payment method, and assigns a virtual credit card number to each user who is a non-credit card member as a virtual (temporary) credit card member. Is preferred for efficient processing. Thus, in a preferred embodiment, a unique credit card number associated with a unique ID number and password is assigned to each user. The virtual credit card number is set as a number of a specific credit card company 60. It is assumed that this specific credit card company 60 has approved the payment method according to the present system and has recognized the relationship between the server operating organization 20 and the virtual credit card number.
[0024]
Step 2: Since the user uses the ID number and password, the user is notified (S2). The virtual credit card number is used for processing by the server operating organization 20 and is stored in the member database 24 but is not notified to the user.
[0025]
Steps 3 and 4: Prior to use, the user transfers a predetermined amount to the server operating organization name account 34 of the financial institution 30 such as a bank. For example, the user uses the mobile phone terminal 12 to make a transfer request from the user's own account 32 to the server operating organization name account 34 by the mobile banking function (S3). The transfer of cash between accounts is executed by financial institution processing (S4). In addition, for example, the user directly transfers cash from a terminal device such as an ATM installed in a convenience store or a financial institution to the server operating organization name account 34 (S3 ′). As a specific example in this case, a dedicated corner is provided in an MMK (multimedia kiosk terminal device) installed in a convenience store, a payment amount is designated there, a receipt is output from the terminal, and the receipt is output. There is a way to pay at the cash register. As another embodiment, a method of depositing directly into the terminal device is possible. In this transfer, the user uses his / her ID number to identify the transfer person.
[0026]
This predetermined amount paid in advance to the server operating organization 20 becomes the user's usable frame. Basically, the user can determine the amount. If the transfer to the server operating organization name account 34 is performed, the server operating organization 20 identifies the member from the ID number used for the transfer, and stores the balance information of the member in the balance database 22.
[0027]
Step 5: The user accesses the virtual store 40 using the mobile phone terminal 12 via the Internet 19, and purchases a product such as digital content (S5). Then, the user instructs the payment method by this system. For example, a payment button for designating payment by the present system is displayed on the display screen of the web page of the virtual store 40 of the mobile phone terminal, and payment instruction data is transmitted to the virtual store by selecting this payment button. To do. The virtual store 40 presupposes that the payment method by this system is previously approved.
[0028]
Step 6: When the payment instruction data is transmitted to the virtual store 40, the virtual store 40 is redirected to the website of the server operating organization 20. Then, the server operating organization 20 requests the user to input an ID number and a password. When the user inputs the ID number and password to the mobile phone terminal 12, the server operating organization 20 refers to the balance database 22 based on the ID number and confirms the balance information of the user, that is, the member (S6). ).
[0029]
Step 7: If the payment amount of the user is within the balance, approval data is transmitted to the virtual store 40 (S7). At this time, the server operating organization 20 reduces the payment amount from the balance in the balance database 22 and updates the balance. At this step, the processing related to the transaction between the virtual store 40 and the mobile phone terminal 12 is completed.
[0030]
Step 8: On the other hand, after confirming the balance and transmitting the approval data to the virtual store 40, the server operating organization 20 transmits the sales data of the virtual store 40 related to the transaction to the existing credit card network organization 50 ( S8). Processing relating to payment of sales data is executed by the payment server 26 of the server operating organization 20. The credit card network organization 50 is an organization that collects credit card sales data transmitted from credit card member stores and distributes it to each credit card company. When the server operating organization 20 transmits the sales data, it transmits the user's virtual credit card number as an attachment. This is equivalent to transmitting sales data on the assumption that there was sales by credit card without a normal credit procedure. In the system of this embodiment, payment is ensured by a user's advance payment.
[0031]
Step 9: As described above, the virtual credit card number set by the server operating organization 20 is set as the number of the specific credit card company 60. The credit card network organization 50 handles the virtual credit card number in the same manner as a normal credit card number, and distributes sales data to the corresponding credit card company 60 (S9).
[0032]
Step 10: The credit card company 60 that receives the sales data together with the virtual credit card number pays the virtual store 40 based on the sales data (S10). It should be noted that the virtual store 40 does not need to introduce a new system with respect to the present embodiment. In the case of the present embodiment, since the user makes a settlement with an ID number and a password, the virtual store 40 does not need a member store system for normal credit card processing. The virtual store 40 sends the ID number, password, product information, store information, etc. to the server operating organization 20 and then receives payment from the credit card company.
[0033]
Step 11: The credit card company 60 makes a payment request to the server operating organization 20 based on the sales data (S11). The server operating organization 20 pays the credit card company 60 for the price.
[0061]
【The invention's effect】
In the present invention, there is provided a system that enables a payment method using a mobile phone terminal and the Internet to a non-credit card member who cannot perform a credit check in a normal credit card system. In the present system, by prepaid cash in advance, it is possible to secure the payment be a non-credit card member can not be carried out given credit check.
[0062]
In addition, payment can be ensured by checking the balance of the usable frame of the non-credit card member. Therefore, the server operating agency, none of the credit card company and virtual store Ru can avoid the unpaid risk. As described above, the present invention can cope with the progress of electronic commerce and electronic shopping via the Internet, and improves user convenience.
[Brief description of the drawings]
FIG. 1 is a schematic configuration diagram of a payment system using a mobile phone terminal and the Internet according to a first embodiment of the present invention.
FIG. 2 is a diagram showing a schematic configuration of a member database in a server operating organization.
[Explanation of symbols]
12 mobile phone 13 mobile phone handset 14 IC chip 15 handset IC chip 16 balance data 17 handset balance data 19 Internet 20 server operating organization 22 balance database 24 member database 26 payment server 30 financial institution 32 user account 34 server operating organization Account 40 Virtual store 42 Real store 50 Credit card network organization 60 Credit card company

Claims (1)

By using a credit card payment system, a mobile phone terminal capable of transmitting information to and from a website via the Internet , a user who is a non-credit card member and a virtual store that does not have a member store system In a payment system having a server that makes payments between, the server
Accept registration data transmitted from the mobile phone terminal via the website only issues an ID number to the registration data, and means for returning to said mobile telephone terminal,
Means for issuing a virtual credit card number associated with the ID number, and storing the ID number and the virtual credit card number in a member database;
The transfer amount of money that has been Furikomima to the financial institution account of the operating agency under the name by the user to identify the ID number, and the means to be stored in the balance database as a balance in association with the ID number,
When the user inputs the ID number for the conduct and payment transactions with virtual store by using the mobile phone terminal, it receives the balance confirmation request about the payment amount of money that you identified the ID number from the virtual store , referring to the balance database on the basis of the ID number, together with the payment amount is trust return the approval data as long as it is within the balance to the virtual store, to update the balance database the payment amount was deducted from the balance Means,
Means for referring to the member database based on the ID number, obtaining the associated virtual credit card number, and transmitting it to a credit card company together with sales data including the payment amount ;
With respect to claims from the credit card company paid the payment amount with respect to the virtual store on the basis of the sales data, to have, and hand-stage to run the payment processing for the payment amount for the credit card company A payment system using a mobile phone terminal.

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