JP4688744B2 - Settlement method and information processing system for settlement - Google Patents

Description

The present invention relates to a new settlement method, more specifically, a charge for a product purchased by a user who owns a mobile information terminal or a service received by the user at a store that sells the product or provides a service. for payment, performs a settlement through the settlement support agencies such as telecom operators, it relates to the settlement method and settlement for the information processing system to enable the credit card payment in credit card non-participation shop.

  Conventionally, when purchasing products at retail stores, department stores, etc., or when receiving services such as provision of food and drinks at restaurants, etc., users pay for these products and services in cash. I paid with a credit card. In particular, in recent years, payment by credit card is increasing because it is not necessary to carry cash.

However, in order to become a member store of the above credit card, it is necessary to pay a large member store fee of 5 to 10% to the credit card company, and the period from the sale of goods etc. to the actual payment to the store However, since it takes a long period of about three months, some stores may be burdened with cash up to the deposit.
For this reason, there are stores that are not affiliated with the credit card mentioned above, and it is inconvenient for users who want to make a credit card payment, such as giving up the purchase of the product itself without using the credit card and only paying with cash. Met.

The present invention has been made in view of the above problems, and the purpose of the present invention is to enable credit card payments for goods and services even at a store not subscribed to a credit card, and for a store to pay with a credit card. is to provide a settlement method and settlement information processing system is possible to recover the fee revenue compared to when subjected more quickly.

In order to achieve the above object, the invention of claim 1 is directed to a product purchased by a user who owns a mobile information terminal or a service received by the user at a store selling the product or providing a service. A payment method for paying a fee through a payment support system of a payment support organization , wherein the payment support system includes terminal identification information used for communication with the mobile information terminal of the user, The identity verification information of the user, the credit card information of the user, and transaction information used for settlement with the store are registered, and the mobile information terminal is a terminal for accepting fee payment at the store. Receiving the charge information of the product or the service from the device; and the mobile information terminal accepts an operation of a payment instruction from the user who confirmed the display of the charge information. Transmitting the fee information and the identity verification information to the settlement support system via a communication line, and the settlement support system receives the fee information and the identity verification information from the mobile information terminal. And a step in which the payment support system authenticates the user based on the identity verification information received from the mobile information terminal and the registered identity verification information, and the payment support system. However, when the identity authentication is successful, the product or service fee for the store from the settlement support system based on the fee information received from the mobile information terminal and the registered transaction information. payment processing the settlement of the payment of the settlement support system, from the settlement support institutions of the fee to the shop After the settlement process has been completed, and the step of transmitting said to the mobile information terminal via a communication line, the settlement notification information to notify that the settlement process of the payment of a fee from the settlement support organizations to the store has been completed, The mobile information terminal receiving and displaying the payment notification information from the payment support system; and after the payment support system has completed payment processing of the payment of the fee from the payment support organization to the store, Based on the registered credit card information and the fee information received from the mobile information terminal, the product or the credit card company through the communication line to the server of the credit card company with which the user contracts A step of transmitting information for payment settlement from the user to the settlement support organization using the credit card of the user with respect to a service fee. It is characterized by having.

Further, the invention of claim 2 is to settle a payment for a charge for a product purchased by a user who owns a mobile information terminal or a service received by the user at a store selling the product or providing a service. used in performing an information processing system for pre determine the payment support organizations, and the terminal identification information used to communicate with the mobile information terminal of the user, and identification information of the user, the user Information storage means for storing the credit card information and transaction information used for settlement with the store, and the user who has received the charge information of the product or the service from the charge payment acceptance terminal device of the store Information receiving means for receiving the price information of the product or the service and the identity verification information from the mobile information terminal via the communication line, and the mobile information terminal received from the mobile information terminal Based on the person confirmation information and the person confirmation information stored in the information storage means, means for authenticating the user, and if the user authentication is successful, stored in the information storage means Based on the transaction information and the fee information received from the mobile information terminal, a store settlement processing means for processing a settlement for payment of the product or service fee from the settlement support organization to the store; after the settlement processing of payment of the fee to the store from the settlement support institutions has been completed, it said the mobile information terminal via a communication line, in that the payment from the settlement support institutions of payment of the fee to the store has been completed and information transmission means for transmitting the settlement notification information to be notified, after the settlement price for the payment of the settlement from the support organizations to the store has been completed, the credit that is the registration And over de information, on the basis of the said charge information received from the mobile information terminal, to the server of the credit card company that the user has subscribed, via a communication line, said the price of the goods or the service And means for transmitting information for payment settlement from the user to the settlement support organization by a user's credit card .

  The “mobile information terminal” includes not only a mobile phone but also a PHS (Personal Handyphone Service), a car phone, a portable personal computer, and the like.

In the present invention, the mobile information terminal receives and displays the charge information of the product or service for the product purchased by the user or the service received by the user from the terminal device for receiving payment of the store. When the user confirms the display of the mobile information terminal and operates the payment instruction, the mobile information terminal transmits the fee information and the personal identification information to the payment support system of the payment support organization via the communication line. The payment support system that has received the fee information and the identity verification information performs identity authentication based on the identity verification information received from the mobile information terminal and the registered identity verification information. As a result, it is possible to prevent the user impersonating the user from operating the mobile information terminal and executing the payment process, and to prevent damage caused by unauthorized use of the mobile information terminal.
If the payment support system succeeds in authenticating the user, the payment support system pays the product or service charge to the store from the payment support organization based on the charge information received from the mobile information terminal and the transaction information used for payment with the store. Execute the settlement process for. In this way, settlement processing for a store can be executed promptly, and the store can collect the fee sold more quickly than if the user paid with a credit card at the store. Become.
In addition, the settlement support system, after the settlement processing of the payment of a fee from the settlement support organizations to the store has been completed, the mobile information terminal via a communication line, the settlement processing of the payment of a fee from the settlement support organizations to the store is complete Settlement notification information for notifying that the transaction has been made is transmitted. Since the payment notification information is transmitted and displayed on the mobile information terminal of the user at the store through the communication line in this way, the store side confirms the fact of payment based on the payment notification information, and Can safely proceed with transactions between.
Then, the payment support system, after the payment processing of the payment of the fee from the payment support organization to the store is completed, the user performs the processing based on the registered credit card information and the fee information received from the mobile information terminal. Information for payment settlement of the product or service with the user's credit card is transmitted to the server of the contracted credit card company via a communication line. Based on this information, payment processing by the user's credit card is executed for payment of the charge of goods or services from the user to the payment support organization . This completes the payment for a series of merchandise sales or service provision fees, and the user can pay for the merchandise or services without preparing cash even at a store without a credit card.

According to the first and second aspects of the present invention, it becomes possible to make a credit card payment for a charge for goods and services even in a store not subscribed to a credit card, and the store sold more than when it was paid with a credit card. Charges can be collected more quickly . In addition, there is an excellent effect that it is possible to prevent the user impersonating himself / herself from operating the mobile information terminal and executing the settlement process, thereby preventing damage caused by unauthorized use of the mobile information terminal. .

Embodiments of the present invention will be described below with reference to the drawings.
[Embodiment 1]
FIG. 1 is a conceptual diagram showing an overall framework of the settlement method according to the first embodiment of the present invention. The settlement method according to the present embodiment is to perform settlement related to the price of purchased products at a store 20 that sells products using a mobile phone 60 as a mobile information terminal via a payment support organization. The settlement support organization in the present embodiment manages and operates communication by the mobile phone 60 owned by the user 10, and terminal identification information for connecting to the mobile phone 60, and PIN as identification information used for user authentication. (Personal Identification Number) code carrier 50.

The mobile phone 60 is configured to be able to communicate with a POS terminal 21 serving as a terminal device for accepting fee payments installed in the store 20 by wireless or wired communication. For example, each of the cellular phone 60 and the POS terminal 21 is provided with a data transmission / reception unit that satisfies wireless communication standards such as Bluetooth (registered trademark), ISO 14443 compliant non-contact IC card communication standards, IrDA, HomeRF, and the like. Information is exchanged via the transceiver.
The POS terminal 21 can send and receive data to and from the management server 41 installed in the POS management center 40 via a dedicated line.

2 and 3 are a schematic configuration diagram and a functional block diagram, respectively, of a payment information processing system (hereinafter referred to as “settlement support system”) 51 used in the present payment method.
The settlement support system 51 is managed and operated by the communication carrier 50. As shown in FIG. 2, the settlement support system 51 includes an internal storage device including a system bus 100, a CPU 101, a RAM 102 and a ROM 103, an external device including a hard disk drive (HDD), an optical disk drive, and the like. A storage device 104, an input device 105 such as a mouse and a keyboard, an output device 106 such as a display and a printer, and a mobile phone communication device for communicating with the mobile phone 60 of each user 10 via the mobile phone communication network 70 108 and a dedicated line communication device 109 for communicating with the settlement management servers 81 and 86 of the financial institutions 80 and 85 via the dedicated lines 90 and 91. Components such as the CPU 101 and the RAM 102 exchange data and program instructions with each other via the system bus 100. A program for operating the settlement support system 51 according to a predetermined procedure is stored in the ROM 103 or the external storage device 104, and is called up and executed in the work area on the CPU 101 or the RAM 102 as necessary.
The settlement support system 51 may be configured by a single computer system, or may be configured by connecting a plurality of computers each having a plurality of server functions via a network.

The settlement support system 51 executes a predetermined program on the hardware shown in FIG. 2 to thereby execute the information storage unit 501, the information reception unit 502, the store settlement processing unit 503, the information transmission unit 504, and the like shown in FIG. Each function of the user settlement processing unit 505 is realized.
The information storage unit 501 is configured by using the external storage device 104 composed of a hard disk or the like of the settlement support system 51. In addition to the user information of the user 10 who owns the mobile phone 60, the user 10 And transaction contract information exchanged in advance with the store 20 is stored.
For example, for each user 10, as shown in FIG. 4A, a mobile phone number as terminal identification information, a PIN code as identity verification information, and automatic debit account information (financial institution name, branch number, Charge type transaction information such as account type, account number, name) or credit card information (card type, issuing company name, card number, expiration date, name), usage package plan name, additional option name, applicable discount type, etc. Usage service information is registered in association with other information such as the name, address, telephone number, and mail address of other users.
As for each store 20, as shown in FIG. 4 (b), store ID number as store identification information, transfer account information (financial institution name, branch number, account type, account number, name) and withdrawal account Transaction information such as information (financial institution name, branch number, account type, account number, name) and other information such as store name, address, telephone number, and fax number are registered in association with each other.

  The information receiving unit 502 includes the CPU 101, the RAM 102, the mobile phone communication device 108, and the like of the payment support system 51, and the payment request information from the mobile phone 60 of the user 10 via the mobile phone communication network 70. It has a function of receiving charge information related to the charge of goods.

  The store settlement processing means 503 includes the CPU 101, the RAM 102, the dedicated line communication device 109, etc. of the settlement support system 51, and the transaction contract information exchanged in advance with the store 20 and the fee received from the mobile phone 60. A function of performing store settlement processing for payment of a product fee to the store 20 by exchanging settlement request information, settlement notification information, and the like with the settlement management server 81 of the external financial institution 80 based on the information. have.

  The information transmitting unit 504 is configured by the CPU 101, the RAM 102, the mobile phone communication device 108, etc. of the payment support system 51, and the payment to the store 20 is completed via the mobile phone communication network 70 to the user's mobile phone 60. It has a function of transmitting settlement notification information to notify that it has been done.

  The user settlement processing means 505 includes the CPU 101, the RAM 102, the dedicated line communication device 109, etc. of the settlement support system 51, and receives from the mobile phone 60 the transaction contract information exchanged in advance with the user 10. Based on the received fee information, the store payment for the payment of the product fee from the user 10 is performed by exchanging the payment request information and the payment notification information with the payment management server 81 of the external financial institution 80. It has a function to perform processing.

FIG. 5 is a flowchart showing a flow of a payment procedure in the information processing system for payment according to the present embodiment.
First, a user 10 who wants to purchase a product at a certain store 20 goes to a place where the POS terminal 21 is installed, operates the mobile phone 60, and charges transmitted from the POS terminal 21 by short-range wireless communication. Information, purchased product information, etc. are received (step 1). Then, the user 10 further operates the cellular phone 60 to connect to the payment support system 51 of the payment support organization (communication carrier) 50, and the charge information and product information received from the POS terminal 21 are transferred to the payment support system 51. Send.

  The settlement support system 51 receives the fee information transmitted from the mobile phone 60 (step 1), and receives the received fee information and transaction information between the store 20 stored in the information storage unit 501. Based on this, information is transmitted / received via a dedicated line 90 to / from the settlement management server 81 of the external financial institution 80 with which the store 20 is in business, and the product from the communication carrier (settlement support organization) 50 to the store 20 is transmitted. Store settlement processing relating to payment of charges is performed (step 2).

  Next, the payment support system 51 completes the payment related to the payment of the product fee from the communication carrier (settlement support organization) 50 to the store 20 to the mobile phone 60 of the user 10 via the mobile phone communication network 70. The settlement notification information for notifying that the transaction has been made is immediately transmitted (step 3). This settlement notification information is displayed on the display of the mobile phone 60, and the store 20 side who sees this display can safely perform transactions relating to the sale and sale of products on the spot.

  Next, the payment support system 51 receives the charge information received from the mobile phone 60 and the user 10 stored in the information storage unit 501 at a timing when a predetermined period has elapsed after the completion of the store payment process. Information is transmitted and received via the dedicated line 91 with the payment management server 86 of the credit card company 85, which is an external financial institution with which the user 10 is engaged, and communicated from the user 10. User settlement processing relating to payment of the above-mentioned product fee to the business operator (settlement support organization) 50 is performed (step 2). The details relating to the user settlement process will be sent to the user 10's home, etc. at a later date together with the details of the mobile usage fee.

As mentioned above, according to this embodiment, even if the store 20 is not a credit card member store, the charge for the product purchased by the user 10 without preparing cash so that the mobile phone 60 can replace the credit card. Can be paid by credit card payment.
Moreover, since the charge for the product purchased by the user 10 is immediately credited to the account on the store 20 side by the settlement support system, the charge for the store 20 compared to the case where payment is made with a credit card. Can be collected more quickly.

In the above embodiment, a case has been described where payment is made using a mobile phone when shopping at a store where a POS terminal capable of communication with the mobile phone is installed. However, the present invention does not have a POS terminal. The present invention can also be applied to shopping at a store such as a retail store or shopping at a store where only a POS terminal that cannot communicate with a mobile phone is installed.
Also in this case, similarly to the above embodiment, a transaction contract relating to settlement using a mobile phone is exchanged in advance between the store and a communication carrier as a settlement support organization. Then, in the payment support system of the telecommunications carrier, the transaction contract information, specifically, the store ID number as the store identification information, the transfer account information (financial institution name, branch number, account type, account number, name) Transaction information such as debit account information (financial institution name, branch number, account type, account number, name), etc., and other store names, addresses, telephone numbers, FAX numbers, etc. are registered in association with each other. .
A user who intends to purchase a product at a store without a POS terminal or a store with only a POS terminal that cannot communicate with a mobile phone operates the mobile phone 60 to pay the purchase price, and stores the store ID number and purchased product information (for example, Then, data such as product barcode information and product name) and fee information is input and connected to the settlement support system 51 of the settlement support organization (communication carrier) 50 to transmit data. This data input may be performed such that a store list and a product list registered in advance in the mobile phone are displayed and selected from these lists.
Thereafter, the settlement procedure after the settlement support system receives the charge information transmitted from the mobile phone is performed in the same manner as the procedure described using the flowchart of FIG. 5 of the above embodiment.
Thus, even when shopping at a store such as a retail store without a POS terminal, or when shopping at a store where only a POS terminal that cannot communicate with a mobile phone is installed, the mobile phone is like a credit card, Even if the store is not a credit card member store, the user can pay the fee for the purchased product without preparing cash by credit card settlement. In addition, since the price of the product purchased by the user is immediately credited to the store's account, it is possible for the store to collect the sales price more quickly than when it was paid with a credit card. It becomes.
In addition, when a mobile phone user purchases a product by watching a TV shopping or radio shopping program or watching a magazine, etc., instead of the above-mentioned store, the mobile phone is also used as a payment support organization. By exchanging information with the (communication carrier), it is also possible to pay for the purchased product by credit card settlement.

  In addition, in the first embodiment described with reference to FIGS. 1 to 5 and the embodiment in the case of shopping at a store without a POS terminal which is a modified example thereof, payment support is provided from the mobile phone 60 of the user 10. When transmitting the payment request information or the like to the system 51, a PIN code may be transmitted together with the person confirmation information to authenticate whether or not the user is the person. In this case, it is possible to prevent the user impersonating the user from operating the mobile phone and executing the above-described settlement process, and to prevent damage caused by unauthorized use of the mobile phone.

[Embodiment 2]
FIG. 6 is a conceptual diagram showing an overall framework of a settlement method using a mobile phone according to the second embodiment of the present invention. Hereinafter, description of the same parts as those in the settlement method of the first embodiment will be omitted.
In the settlement method according to the present embodiment, the user 10 registers specific information installed in a network store operating company 45 from a personal computer (hereinafter referred to as “PC”) 22 at home or the like via the Internet 30 as a communication line. Communication business whether or not the user who has accessed the web server 46 is the person who connects to the web server (information processing apparatus) 46 as the destination and transmits the order information to the web server 46 and registers it. The user 50 authenticates and supports the settlement process.
The telecommunications carrier 50 is a business operator that manages and operates communication by the mobile phone 60 that is a mobile information terminal owned by the user 10, and is used for terminal identification information for connecting to the mobile phone 60 and user authentication. Information of PIN (Personal Identification Number) code as identification information to be used is previously stored.

7 and 8 are a schematic configuration diagram and a functional block diagram, respectively, of a payment support system 51 used in this payment method. The hardware of the settlement support system 52 is obtained by adding an internet communication device 107 for connecting to the internet 30 to the configuration of FIG. 2 shown in the first embodiment.
The settlement support system 52 executes a predetermined program on the hardware shown in FIG. 7, so that the information storage unit 501, the store settlement processing unit 503, the information transmission unit 504, and the user settlement processing unit 505 are executed. In addition, the functions of the authentication request information receiving unit 506, the authentication connection destination information transmitting unit 507, the personal identification information receiving unit 508, and the authentication processing unit 509 are realized.

  The authentication request information receiving means 506 includes the CPU 101, the RAM 102, the Internet communication device 107, etc. of the settlement support system 51, and the terminal identification received from the user's personal computer 22 by the web server 46 of the online store operating company 45. It has a function of receiving, from the web server 46, authentication request information for requesting user authentication together with information (mobile phone number).

  The authentication connection destination information transmission means 507 includes the CPU 101 of the settlement support system 51, the RAM 102, the mobile phone communication device 108, and the like, and terminal identification information (mobile phone) received from the web server 46 of the network store operating company 45. Based on the telephone number), a one-time URL as authentication connection destination information is transmitted to the mobile phone 60 of the user. This one-time URL is used by the CPU 101 to connect the user 10 to the authentication connection destination (authentication site) limited to one-time use that is different for each authentication request using the mobile phone 60. Generated using random numbers. In addition, this one-time URL is transmitted to the user 10 by a short message service (SMS) managed and operated by the communication carrier 50 so that the user 10 can easily connect using the link function of the mobile phone 60. Is transmitted to the mobile phone 60.

  The identity verification information receiving means 508 is constituted by the CPU 101, the RAM 102, the mobile phone communication device 108, etc. of the settlement support system 51, and the authentication connection destination designated by the one-time URL from the mobile phone 60 of the user 10. It has a function of receiving a PIN code as identification information transmitted to the (authentication site).

  The authentication processing unit 509 includes the CPU 101 and the RAM 102 of the settlement support system 51, and is based on the PIN code received from the mobile phone 60 of the user 10 and the PIN code stored in the information storage unit 501. It has a function of authenticating whether or not the user 10 is the user.

  FIG. 9 is a flowchart showing a flow of authentication and settlement procedures in the settlement method of the present embodiment. In FIG. 9, the steps surrounded by the thin solid line are the processes on the user side, the steps surrounded by the thick solid line are the processes in the settlement support system 51, and the steps surrounded by the broken line are the network store operating company. This is processing in 45 web servers 46.

First, the user 10 operates the personal computer 22, accesses the web server 46 of the internet store operating company 45 via the Internet 30, displays a web page for online shopping, and registers it as registration target information from the order form page. Then, terminal identification information and order information for connecting to the user's mobile phone 60 are inputted and transmitted (step 1). As the terminal identification information, a telephone number of the mobile phone 60 owned by the user 10 is input, and as the order information, a product ID, a product delivery destination, a purchase intention, a payment method, and the like are input.
Note that the web server 46 of the internet store operating company 45 may be accessed via an internet shopping mall site or an internet shopping portal site, or may be directly accessed from an internet service provider (ISP).

  Next, the web server 46 of the online store operating company 45 that has received an order for the product from the user 10 sends the mobile phone of the user 10 to the settlement support system 51 managed and operated by the communication carrier 50 via the Internet 30. Authentication request information for requesting user authentication is transmitted together with the telephone number of the telephone 60 (step 2). At this time, information such as a product ordered by the user, a store, a purchase amount, and a settlement type (payment method) may be transmitted to the settlement support system 51 together.

  Next, the settlement support system 51 of the telecommunications carrier 50 receives the telephone number and authentication request information of the user's mobile phone 60 from the web server 46 of the online store operating company 45, and then sends it to the user's mobile phone 60. Then, information related to the one-time URL as authentication connection destination information is transmitted via the mobile phone communication network 70 (step 3).

  Next, the user connects to the authentication site specified by the one-time URL set in the settlement support system 51 via a communication line including the mobile phone communication network 70 and the like, and is used for user authentication. The PIN code to be transmitted is transmitted (step 4). In addition, when information such as a product ordered by a user, a store, a purchase price, and a payment method is transmitted from the web server 46 of the Internet store management company 45, the data for displaying these information is authenticated. It may be set in the site for use so that the user 10 can confirm the information.

  Next, the settlement support system 51 of the communication carrier 50 receives the PIN code transmitted to the authentication site designated by the one-time URL, and compares it with the PIN code registered in the information storage unit 501 in advance. If they match, it is determined that the user operating the personal computer 22 and the mobile phone 60 is the person himself (steps 5 and 6). On the other hand, when the two PIN codes do not match, it is determined that the user is not the person (step 7).

Here, when it is confirmed that the user 10 is the person himself / herself, store settlement processing is performed (step 8). Specifically, payment request information including payment type information is transmitted from the payment support system 51 to the payment management server 81 of the financial institution 80 that has a transaction with the online store management company 45 via the dedicated line 90. Upon receiving the payment request information, the payment management server 81 of the financial institution 80 executes the credit processing and the payment processing in a predetermined procedure, and then transmits the payment notification information indicating that the payment is completed via the dedicated line 90 to the communication carrier 50. To the settlement support system 51 (step 9). The web server 46 of the online store management company 45 may be accessed via an online shopping mall site or an online shopping portal site, or may be directly accessed from an Internet service provider (ISP). The online store management company 45 can transmit data indicating that the order of the product has been confirmed to the personal computer 22 of the user 10 and can start shipping the product to the user 10.
On the other hand, if the user 10 is not identified as the person, the online store management company 45 can transmit data indicating that the order for the product has not been accepted to the personal computer 20 of the user 10.

  Next, the payment support system 51 receives the order information received from the mobile phone 60 and the user 10 stored in the information storage unit 501 at a timing when a predetermined period has elapsed after the completion of the store payment process. Information is transmitted and received via the dedicated line 91 with the payment management server 86 of the credit card company 85, which is an external financial institution with which the user 10 is engaged, and communicated from the user 10. User settlement processing related to payment of the above-mentioned product fee to the business operator (settlement support organization) 50 is performed (step 10). The details relating to the user settlement process will be sent to the user 10's home, etc. at a later date together with the details of the mobile usage fee.

As described above, according to the present embodiment, even if the online store 45 is not a credit card member store, the product 10 purchased by the user 10 without cash is provided so that the mobile phone 60 is replaced with a credit card. You can pay by credit card payment.
Moreover, since the fee for the product purchased by the user 10 is immediately credited to the account on the store 20 side by the settlement support system, the net store 45 is sold compared to the case where it is paid with a credit card. Charges can be collected more quickly.

  In each of the above embodiments, the fingerprint information of the user 10, iris information and retina information of the eyeball, blood vessel information read from the surface of the hand, the shape of the face, together with the PIN code or instead of the PIN code. Information regarding biometrics (biological features) such as voice features, voiceprints, bills, palmprints, etc. may be used as the identity verification information. In addition, information such as how to write characters, writing pressure, the direction in which the brush is released, handwriting information such as speed when inputting from the keyboard, and keystroke information such as the interval between pressing a key and another key are used. May be.

In each of the above embodiments, a dedicated user identification code (UID: User Identification Code) used only at the time of the settlement request may be used. This user identification code (UID) accepts an application from a user who wishes to make a payment using the payment support system 51 of the telecommunications carrier 50, performs a credit examination on the user who applied, and sets a predetermined condition. It is issued to satisfying users. The user identification code (UID) issued from the communication carrier (settlement support organization) 50 is stored in the information storage unit 501 of the settlement support system 51 as user information.
By using the user identification code (UID) as described above, it is possible to grasp in advance the users who may perform the settlement request process, and thus the management of the users is facilitated.

In each of the above embodiments, it is preferable to use an encryption system for transmission / reception of information between the user's mobile phone 60 and the POS terminal 21 or the online store 45. By using the encryption system in this way, information can be prevented from leaking to the outside, so that the authentication process for the user 10 can be performed more safely.
In order to encrypt this information on the mobile phone 60 side, for example, a fingerprint module that can store an authentication key and a cryptographic operation algorithm, or a USIM (Universal Subscriber Identity Module) that is a SIM card for a next-generation mobile communication system. A secure memory is provided to the mobile phone 60.

  In each of the above embodiments, the mobile phone 60 is used to transmit and receive information to and from the payment support organization 50. However, other mobile information terminals such as PHS, car phone, and portable personal computer may be used. Good.

  In each of the above embodiments, when a user goes to a store that is not a credit card member store and a user purchases a product using a credit card, or a user uses a credit card at a net store that is not a credit card member store on the Internet. However, the present invention can also be applied to a case where the payment desired by the user is a debit card other than a credit card or electronic money. For example, when a user visits a store that is not a member of a debit card or electronic money and purchases a product using the debit card or electronic money, or at an Internet store that is not a member of a debit card or electronic money. The present invention can also be applied when a user purchases a product using a debit card or electronic money.

  Further, in each of the above embodiments, a case where payment is made using a mobile phone when purchasing a product at the storefront of the store 20, or a case where payment is made using a mobile phone when purchasing a product by accessing an online store. As described above, the present invention can also be applied to settlement when applying for provision of various services such as accommodation at a hotel, use of a train / airplane, use of a restaurant, and the like. In addition, the present invention allows users to purchase a product by accessing a predetermined connection destination via a communication line by watching a TV shopping program or a radio shopping program, or watching an advertisement published in a magazine or the like. It can also be applied to payments when receiving services.

1 is a conceptual diagram showing an overall framework of a payment method using a mobile phone according to a first embodiment of the present invention. The schematic block diagram of the payment assistance system used for the payment method. The functional block diagram of the payment assistance system used for the payment method. (A) is explanatory drawing of the user information memorize | stored in the information storage means of the payment assistance system. (B) is explanatory drawing of the shop information memorize | stored in the information storage means of the payment assistance system. The flowchart which shows the flow of the information processing procedure in the payment assistance system. The conceptual diagram which shows the whole framework of the payment method using the mobile telephone which concerns on the 2nd Embodiment of this invention. The schematic block diagram of the payment assistance system used for the payment method. The functional block diagram of the payment assistance system used for the payment method. The flowchart which shows the flow of the payment procedure in the payment assistance system.

Explanation of symbols

10 users 20 stores 21 POS terminals (terminal devices for receiving payment)
22 PC 40 POS management center 41 Management server 45 Online store 46 Web server 50 Communication carrier (settlement support organization)
51 payment support system 60 mobile phone (mobile information terminal)
70 Mobile phone network (communication line)
80 Financial Institution 81 Settlement Management Server 85 Financial Institution (Credit Card Company)
86 Payment management server 90, 91 Dedicated line 100 System bus 101 CPU
102 RAM
103 ROM
DESCRIPTION OF SYMBOLS 104 External storage device 105 Input device 106 Output device 107 Internet communication device 108 Mobile phone communication device 109 Private line communication device 501 Information storage means 502 Information reception means 503 Store settlement processing means 504 Information transmission means 505 User settlement processing means 506 Authentication request information receiving means 507 Authentication connection destination information transmitting means 508 Identity confirmation information receiving means 509 Authentication processing means

Claims (2)

Payment of charges for products purchased by users who own mobile information terminals or services received by users at stores that sell products or provide services via the payment support system of the payment support organization A payment method for making a payment,
The payment support system includes terminal identification information used for communication with the user's mobile information terminal, user identification information, the user's credit card information, and payment with the store. Transaction information to be used is registered,
The mobile information terminal receiving fee information of the product or the service from the terminal device for receiving payment of the store;
When the mobile information terminal accepts a payment instruction operation from the user who has confirmed the display of the charge information, the mobile information terminal transmits the charge information and the identity verification information to the settlement support system via a communication line; ,
The settlement support system receiving the fee information and the identity verification information from the mobile information terminal;
The payment support system authenticating the user based on the identity verification information received from the mobile information terminal and the registered identity verification information;
When the payment support system has succeeded in the identity authentication, based on the fee information received from the mobile information terminal and the registered transaction information, the product for the store from the payment support organization or Processing a settlement for payment of a fee for the service;
After the payment support system completes the payment processing of the payment of the fee from the payment support organization to the store, the payment information from the payment support organization to the store is transferred to the mobile information terminal via a communication line. Sending payment notification information notifying that payment processing has been completed;
The mobile information terminal receiving and displaying the payment notification information from the payment support system;
After the payment support system completes the payment processing for payment of the fee from the payment support organization to the store, based on the registered credit card information and the fee information received from the mobile information terminal The payment of the payment from the user to the payment support organization by the user's credit card for the charge of the product or the service via the communication line to the server of the credit card company with which the user has a contract Sending information for:
A settlement method characterized by comprising: A payment support organization used to make payments for products purchased by users who own mobile information terminals or for payments for services received by users at stores that sell products or provide services . a determined information processing system for already,
Terminal identification information used for communication with the mobile information terminal of the user, identification information of the user, credit card information of the user, and transaction information used for settlement with the store. Information storage means for storing;
From the mobile information terminal of the user who has received the charge information of the product or the service from the terminal device for accepting the charge payment of the store, through the communication line, the charge information of the product or the service, identity verification information, Information receiving means for receiving
Means for authenticating the user based on the identity verification information received from the mobile information terminal and the identity verification information stored in the information storage means;
When the identity authentication is successful, based on the transaction information stored in the information storage means and the fee information received from the mobile information terminal, the product for the store from the settlement support organization or the Store payment processing means for processing payment for payment of service charges;
After the settlement processing of the payment of a fee to the store from the settlement support institutions has been completed, said the mobile information terminal via a communication line, in that the payment from the settlement support institutions of the payment of a fee to the store has been completed Information transmitting means for transmitting settlement notification information to be notified;
After the payment for payment of the fee from the payment support organization to the store is completed, the user contracts based on the registered credit card information and the fee information received from the mobile information terminal. Means for transmitting information for payment settlement from the user to the settlement support organization with the credit card of the user about the charge of the product or the service via a communication line to a server of a credit card company And an information processing system for settlement.

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