JP5675662B2 - Short message payment system - Google Patents

Description

  The present invention relates to a short message settlement system that performs price settlement using a short message function of a mobile phone terminal.

  Currently, mobile phone terminals provided by carriers that provide mobile phone services generally have a short message service (hereinafter sometimes referred to as “SMS (Short Massage Service)”) function. Here, the carrier is a communication carrier classified as a first-class telecommunications carrier having communication equipment such as a line network, and NTT, KDDI, and the like correspond to this. In addition, SMS is a service for transmitting a mail by designating a telephone number as a destination between mobile phone terminals provided by the same carrier. For example, NTT (docomo) provides an SMS named short mail, and KDDI (au) provides an SMS named C mail. The number of characters that can be transmitted and received by SMS mail is about 100 single-byte characters, which is smaller than e-mail (E-mail) that is transmitted by designating a mail address. However, since SMS mail is data that is transmitted using the control channel of the mobile phone's telephone line, it has better real-time performance than e-mail (e-mail) and the other party received the mail. Since it is possible to confirm this, it has already been implemented in many countries (for example, see Patent Document 1).

JP 2010-34928 A

  Utilizing these SMS features such as real-time characteristics, it is conceivable to use these SMS for payment services. In the case of SMS, unlike a normal call, a specific application is used in the mobile phone terminal of the transmission source. The mobile phone number of the sender can be camouflaged by using the mobile phone number, etc., so that improper settlement may be performed in which the mobile phone number of the sender is camouflaged with the mobile phone number of another person. There was a problem that there was.

  The present invention has been made paying attention to such problems, and a short message that can prevent an improper payment impersonating another person's mobile phone number from being carried out in a payment using SMS. The purpose is to provide a payment system.

In order to solve the above problem, a short message settlement system according to claim 1 of the present invention provides:
A short message including a payment server computer that has a short message transmission / reception function with a mobile phone terminal of a carrier that provides a short message service, and that is connected to a payment institution and performs payment for the price using the short message. A payment system,
The settlement server computer
When receiving the first short message desired to be settled from the mobile phone terminal, a request is made to resend the second short message desired to be settled to the source mobile phone number included in the received first short message. A short message replying means for impersonation confirmation to send back a short message for impersonation confirmation;
Reply specifying information storage means for storing reply specifying information capable of specifying that the impersonation confirmation short message has been returned to the mobile phone number of the transmission source of the first short message;
When a short message desired to be settled is received from the mobile phone terminal, whether the short message is the first short message or not based on the reply specifying information stored in the reply specifying information storage means Determining means for determining whether the second short message corresponds to the message;
Payment request transmission means for transmitting a payment request to the payment institution on the condition that the determination means determines that the second short message is received;
Equipped with a,
The forgery confirmation short message return means replies with the forgery confirmation short message on condition that the determination means determines that it is the first short message .
According to this feature, the impersonation confirmation short message is transmitted to the transmission source of the first short message. Therefore, when the transmission source is impersonated in the first short message desired to be settled, the impersonator who impersonated uses The impersonation confirmation short message will be delivered to the cell phone terminal used by the impersonator who is impersonated instead of the cell phone terminal that will be impersonated, so that the impersonation will be revealed. It is possible to prevent improper payment disguised as a mobile phone number.

A short message settlement system according to claim 2 of the present invention is the short message settlement system according to claim 1,
The settlement server computer includes an identification code generation unit that generates an identification code unique to the settlement in response to the determination by the determination unit being determined to be the first short message,
The impersonation confirmation short message return means returns an impersonation confirmation short message requesting retransmission of the second short message in which the identification code is inserted, together with the identification code generated by the identification code generation means. ,
The reply specifying information storage means stores the identification code generated by the identification code generating means as the reply specifying information,
When the determination means receives the short message desired to be settled, based on the fact that the identification code included in the received short message is stored in the reply specifying information storage means, the short message It is determined that the second short message corresponds to the impersonation confirmation short message including the message.
According to this feature, by using the identification code, it is possible to reliably and easily determine whether the received short message desired to be settled is the first short message or the second short message corresponding to the forgery confirmation short message. In addition, since different identification codes are generated for each payment, it is possible to make these identification codes difficult to be stolen or forged, so that security in payment can be improved.

A short message settlement system according to claim 3 of the present invention is the short message settlement system according to claim 2 ,
The identification code is a one-time identification code that is valid only for a predetermined period after being generated.
According to this feature, since the identification codes are valid only during a predetermined period, it is possible to prevent these identification codes from being stolen and repeatedly used, so that security in settlement can be improved.

A short message settlement system according to claim 4 of the present invention is the short message settlement system according to any one of claims 1 to 3,
A payment information request short message for requesting transmission of payment information necessary for making a payment to the transmission source of the second short message on the condition that the determination means determines that the second short message is the second short message. A payment information request short message transmission means for transmitting,
The settlement request transmitting means is extracted from the settlement information short message on condition that the settlement information short message including the settlement information transmitted from the mobile phone terminal is received in response to reception of the settlement information request short message. A payment request including payment information is transmitted to the payment institution.
According to this feature, a payment information request short message is transmitted in addition to the impersonation confirmation short message, and the payment information short including the payment information in response to the payment information request short message reaching the transmission source of the second short message. Only by receiving a message, a settlement request is sent to the settlement institution and settlement is performed, so the reliability of impersonation confirmation is significantly higher than when impersonation confirmation is performed using only a short message for impersonation confirmation. Can be improved.

A short message settlement system according to claim 5 of the present invention is the short message settlement system according to any one of claims 1 to 4,
A server connected to the Internet, which has a function of sending and receiving a short message with the mobile phone terminal, and further includes a product information providing server computer for transmitting a short message including product information;
The product information providing server computer
Short message receiving means for receiving a short message including product specifying information capable of specifying a product from the mobile phone terminal;
Product information acquisition means for acquiring information on the product specified from the product specifying information included in the received short message based on a search result by a search engine on the Internet;
Product information short message creating means for creating a product information short message including information about the product acquired by the product information acquiring means;
Product information short message sending means for returning the product information short message created by the product information short message creating means to the sender of the short message containing the product specifying information;
It is characterized by having.
According to this feature, a user of a mobile phone terminal can easily obtain information about a product of interest without performing a search by accessing various search engines before performing payment. This can improve the convenience for the user.

A short message settlement system according to claim 6 of the present invention is the short message settlement system according to claim 5,
A short message service server installed in the carrier, a gateway server computer connected to the settlement server computer and the product information providing server computer,
A single common destination number is assigned to the settlement server computer and the product information providing server computer,
The gateway server computer is
A company keyword storage means for associating and storing company identification information capable of specifying each company operating the product information providing server computer and the settlement server computer to which a single common destination number is assigned, and keywords related to the company; ,
When the short message addressed to the common destination number is received from the short message service server, the company specified from the company specifying information stored in the company keyword storage means in association with the keyword included in the short message A destination specifying means for specifying the short message as a destination company;
Short message transmitting means for transmitting a short message including the keyword to the settlement server computer or the product information providing server computer operated by the company specified by the transmission destination specifying means;
It is characterized in that it comprises.
According to this feature, the same common destination number can be used even if the product information providing service and the price settlement service are different. It is not necessary to memorize individual telephone numbers in the service of, and convenience for users can be improved.

Short message payment system according to claim 7 of the present invention, there is provided a short message payment system according to claim 6,
The gateway server computer comprises an elapsed time management means for managing an elapsed time from transmission of one short message between the mobile phone terminal and the settlement server computer so as to be specified,
When the transmission destination specifying unit receives a short message that does not include a keyword of a company that operates the payment server computer to which the common destination number is assigned, the short-circuiting unit specified by the elapsed time management unit The payment server computer is determined as a transmission destination on the condition that the elapsed time from the transmission of the message is within a predetermined period.
According to this feature, when the elapsed time since the transmission of the first short message is within a predetermined period, even if the keyword corresponding to the company operating the settlement server computer is not included, the second short Since the destination of the message or payment information short message is specified as the company that operates the payment server computer, the user of the mobile phone terminal each time the payment is made, the second short message or the payment information short Since it is not necessary to insert a keyword into the message, the convenience of the user of the mobile phone terminal can be improved.

The short message settlement system according to claim 8 of the present invention is the short message settlement system according to claim 6 or 7 ,
A plurality of the carriers,
The gateway server computer transmits / receives a short message according to the carrier protocol unique to the carrier transmitted from the mobile phone terminal of the carrier via the short message service server of each carrier to at least the payment server computer. A first protocol conversion process for converting the message into a short message of a predetermined protocol to identify, and at least a carrier as a transmission destination of a short message transmitted from the settlement server computer, and being used in the identified carrier Protocol conversion means for performing a second protocol conversion process for converting a short message of the predetermined protocol into a carrier protocol is provided.
According to this feature, a short message according to each carrier protocol transmitted from the mobile phone terminal of each carrier is converted into a short message of a predetermined protocol and transmitted to the settlement server computer, and the predetermined protocol transmitted from the settlement server computer. Since the short message is converted into a short message according to each carrier protocol and transmitted, the payment server computer does not need to create and send a short message according to the carrier protocol of each carrier individually. Regardless of the type, it is possible to easily send and receive a short message to / from each carrier's mobile phone terminal by a short message of a predetermined protocol.

A short message settlement system according to claim 9 of the present invention is the short message settlement system according to claim 8,
In the first protocol conversion process, the gateway server computer replaces the telephone number of the caller mobile phone terminal in the carrier included in the carrier protocol short message with a virtual telephone number unrelated to the telephone number. It is characterized by that.
According to this feature, since it becomes possible to mediate a short message without the telephone number of the source mobile phone terminal being grasped by the company operating the payment server computer, for example, the telephone number by number portability While the importance of the mobile phone increases, it is possible to prevent the telephone number of the caller mobile phone terminal from being leaked due to the leakage of information from the company.

It is a system diagram which shows the structure of the SMS system of the Example with which the short message system of this invention was applied. (A) is a figure which shows the structure of the gateway database used for the Example, (b) is a figure which shows the structure of the database for distribution used for the Example. (A) is a figure which shows the gateway database for X company, (b) is a figure which shows the gateway database for Y company, (c) is a figure which shows the deletion condition table. It is a flowchart which shows the processing content of the protocol conversion process 1 implemented in the protocol conversion server used for the Example. It is a flowchart which shows the processing content of the protocol conversion process 2 implemented in the protocol conversion server used for the Example. It is a figure which shows the exchange of SMS between X company and a mobile telephone terminal in an Example. It is a figure which shows exchange of SMS between Y company and a mobile telephone terminal in an Example. It is a figure which shows the processing content of the gateway database update process implemented in the data management server used for the Example.

  The form for implementing the short message system based on this invention is demonstrated below based on an Example. In the following embodiment, SMS is used as the name of the short message.

  FIG. 1 is a system diagram showing a configuration of a short message system of the present embodiment to which the present invention is applied. The short message system includes a protocol conversion server 1 and a data management server 2 having a distribution database and a gateway database (GW-DB) installed in the SMS gateway service center. A company (company) X, company (company) that is connected to carrier A, carrier B, and carrier C, which are first-class telecommunications carriers that provide mobile phone services, and that provides information by SMS Company servers 6 (6a, 6b, 6c) such as company Y, company (company) Z, etc. are connected.

  The protocol conversion server 1 and the data management server 2 are connected so as to be able to exchange data with each other, and these two servers cooperate to provide each function of the gateway for the short message service.

  In FIG. 1, only three carriers, carrier A, carrier B, and carrier C, are shown as carriers. However, the present invention is not limited to this, and at least one carrier is present. I just need it. The carrier may be a carrier that provides a service of a simple mobile phone (PHS).

  Moreover, in FIG. 1, although the company (company) X company-Z company is illustrated, this invention is not limited to this, These companies may be 4 or more companies.

  As shown in FIG. 1, each carrier is connected to each mobile phone via a base station 4 (4a, 4b, 4c) that performs wireless communication with the mobile phone terminals 5 (5a, 5b, 5c) belonging to each carrier. An SMS server 3 (3a, 3b, 3c) for sending and receiving SMS to and from the terminal 5 (5a, 5b, 5c) is installed and is intended for the mobile phone terminal 5 (5a, 5b, 5c) in the same carrier Are distributed and distributed by the SMS server 3 of each carrier, and the SMS for other carriers is not shown corresponding to the destination carrier from the SMS server 3 (3a, 3b, 3c) of each carrier. After being converted into the SMS protocol of the destination carrier by the carrier gateway server, it is transmitted to the SMS server 3 (3a, 3b, 3c) of the destination carrier.

  The SMS server 3 (3a, 3b, 3c) of each carrier is associated with the data for delivering the SMS, specifically, the mobile phone numbers of the mobile phone terminals 5a, 5b, 5c belonging to the carrier. In addition, an SMS database storing SIM data, location data, and the like is stored.

  The SMS database also includes a server special SMS phone number (a special phone number with a few digits beginning with #) assigned to the company server 6 (6a, 6b, 6c) as the SMS destination phone number. Data stored in correspondence with the special SMS telephone number and indicating that the SMS destination for the special SMS telephone number is the SMS service center, specifically, the network address of the protocol conversion server 1, etc. Is remembered.

  Therefore, the SMS addressed to a single special SMS number assigned to each company server 6 is transmitted from the SMS server 3 (3a, 3b, 3c) to the SMS service center (3a, 3b, 3c) with respect to the protocol conversion server 1 with the protocol of each carrier. Sent to the protocol conversion server 1).

  In the following description, when the carriers A, B, and C are not specified, the mobile phone terminals 5a, 5b, and 5c may be collectively referred to as the mobile phone terminal 5, and similarly, the base station 4a, 4b and 4c may be collectively referred to as the base station 4, and the SMS servers 3a, 3b, and 3c may be collectively referred to as the SMS server 3.

  Further, as shown in FIG. 1, company X to Z are provided with company servers 6 (6a, 6b, 6c) connected to the protocol conversion server 1 so as to be able to perform data communication. , 6b, 6c) has an SMS function for sending and receiving SMS to and from the protocol conversion server 1 using a short protocol peer-to-peer protocol (SMPP).

  As shown in FIG. 2 (a), the data management server 2 of the present embodiment is used for distributing SMS transmitted from the mobile phone terminals 5 (5a, 5b, 5c) of each carrier to each company. A database (FIG. 2 (b)) and a gateway database (GW-DB) used to distribute SMS transmitted from each company to the mobile phone terminals 5 (5a, 5b, 5c) of each carrier are stored. ing.

  As shown in FIG. 2A, the gateway database (GW-DB) of this embodiment stores an individual database for each company (company). Specifically, a gateway database for company X (GW-DB), a gateway database for company Y (GW-DB), and a gateway database for company Z (GW-DB) are stored.

  In the distribution database used in this embodiment, as shown in FIG. 2B, a distribution ID uniquely assigned to each distribution company (company) and an SMS telephone number ( Data such as a special SMS telephone number), a keyword related to the company, a distribution company name, and an expiration date of an SMS session are stored in association with each other.

  In the example shown in FIG. 2B, the common special SMS telephone number “# XX1” is assigned to the group companies X to Z. Company X is a company that provides product information regarding products displayed at supermarkets and department stores. “Product information” is stored as the keyword of the company, and Company Y provides a payment service for product prices. “Price payment” is stored as a keyword of the company, Company Z is a company that grants a privilege by answering the questionnaire for the product, and “Product questionnaire” is the keyword of the company It is remembered.

  That is, as the “keyword” in the distribution database, a keyword related to information and services provided by each company, that is, a keyword related to each company may be registered.

  Further, as will be described later, when the SMS is transmitted again from the mobile phone terminal 5 (5a, 5b, 5c) after one SMS exchange (transmission / reception) has occurred, The period during which the same company as the previous SMS is determined as the transmission destination without being inserted is stored. In other words, since the types and services of information provided by each company differ, it is only necessary to set (store) a session expiration date according to the types of information and services provided. In addition, the possibility of repeated SMS transmission is low, and the expiration date of the one-time passcode described later is limited, so that a relatively short time (for example, 20 seconds) is set for the session expiration date, For example, a relatively long time (for example, 180 seconds) may be set in consideration of the time for walking while looking at the product.

  It should be noted that these session expiration dates are not limited to 20 seconds and 180 seconds shown in FIG. 2B, but are set to “60 seconds” as in the case of Company Z, or “ It may be a session expiration date of “1 day” or a session expiration date of “1 week” or the like.

  Further, the configuration of the gateway database (GW-DB) of the present embodiment is as follows. As shown in FIGS. 3A and 3B, the mobile phone number assigned to the mobile phone number is associated with the mobile phone number. The type of carrier to which the telephone terminal 5 belongs (carrier A, carrier B, carrier C), the virtual mobile phone number with which the mobile phone number is replaced, the registration date and time (including the hour and minute) of the virtual mobile phone number, Since the SMS has recently been sent and received between the mobile phone terminal 5 (5a, 5b, 5c) of the mobile phone number and each company server 6 (6a, 6b, 6c), the destination is set to the gateway database ( GW-DB) stores data such as when a session expires, which is a period determined as a corresponding company.

  The virtual mobile phone number is a unique number that does not overlap in the gateway database (GW-DB) of the company, and the mobile phone number and the virtual mobile phone number are associated one-to-one.

  However, in FIG. 3 (a) and FIG. 3 (b), for example, as shown in the case of the mobile phone number “0A0XXXXxxxx”, different virtuals differ for each company with respect to the same mobile phone number “0A0XXXXXX”. The mobile phone number is stored.

  That is, the same mobile phone number may be stored in the gateway database (GW-DB) for each company, but the virtual mobile phone number corresponding to these same mobile phone numbers is stored for each company. By being individually assigned in the gateway database (GW-DB), different virtual mobile phone numbers are assigned and stored for each company.

  The session expiration time is also updated based on the session expiration date set individually for each company in the distribution database shown in FIG. Specifically, when an SMS is sent / received between a mobile phone number or a virtual mobile phone number and a company server corresponding to the gateway database (GW-DB), the corresponding in the distribution database is determined from the time at that time. The time when the session expiration date of the company has passed is specified, and the time is updated (that is, the time when the session expiration date of the company is added to the time at that time).

  In addition, the data management server 2 stores the erasure condition table shown in FIG. 3C, and the erasure that the virtual cellular phone number stored in the gateway database (GW-DB) for each company is erased. Conditions are stored and set individually for each company.

  As these erasure conditions, specifically, as shown in FIG. 3C, for example, conditions relating to the elapsed time since the virtual mobile phone number is stored (registered) may be set. Depending on the company, When the stored (registered) virtual mobile phone number is used without being erased, “no erasure” may be stored, for example, as in company Z.

  Next, the protocol conversion process 1 performed by the protocol conversion server 1 in response to receiving the SMS from the SMS server 3 will be described with reference to FIG. 4. First, in the protocol conversion process 1, the protocol conversion server 1 has received The SMS telephone number of the SMS transmission destination is extracted (step S1).

  Then, it is determined whether or not the extracted SMS phone number is a special SMS phone number to be distributed. If it is not a special SMS phone number, the process proceeds to step S6, whereas if it is a special SMS phone number, Proceeding to step S3, all keywords stored in the sorting database in association with the special SMS phone number are extracted, and it is determined whether or not any of the extracted keywords is included in the SMS.

  If any of the extracted keywords is included in the SMS, the process proceeds to step S5, and the distribution destination company stored in the distribution database in association with the keyword included in the SMS is stored in the SMS. The transmission destination is specified and the process proceeds to step S6.

  On the other hand, if “No” in the determination in step S4, that is, if any of the extracted keywords is not included in the SMS, the process proceeds to step S11 and is stored in the distribution database in association with the special SMS phone number. In the company gateway database (GW-DB) of each company, all session expiration times stored in association with the mobile phone number of the sender of the SMS are specified, and among the specified session expiration times, It is determined whether or not there is a session expiration time for which the time of the time has not yet passed (step S12).

  If there is a session deadline when the current time has not yet elapsed, that is, SMS is exchanged immediately between the company server 6 of the special SMS phone number and the mobile phone terminal 5 of the source mobile phone number. If the elapsed time from the point in time within the session expiration date set for the company is within the session expiration date set for the company, the company corresponding to the company gateway database in which the session expiration time that has not yet passed is registered (Step S13), the process proceeds to step S6.

  On the other hand, if all the session deadlines have passed, the process proceeds to step S14, and each stored in the distribution database in association with the special SMS telephone number extracted in step S3. An error SMS including all of the keywords is created, the created error SMS is returned to the mobile phone number of the transmission source (step S15), and the process ends.

  Further, in step S6 which shifts from step S6 and step S13 described above, various data corresponding to the SMPP including the mobile phone number of the transmission source are extracted from the received SMS.

  Next, it is determined whether or not the mobile phone number extracted in step S6 is already stored in the gateway database (GW-DB) of the destination company specified in step S5 or step S13 (step S7).

  Specifically, if the destination company is company X, it is determined whether or not the mobile phone number extracted in step S6 is already stored in the gateway database (GW-DB) for company X. To do.

  If the extracted mobile phone number has already been registered, the process proceeds to step S8, and the virtual mobile phone stored in the gateway database (GW-DB) in association with the registered mobile phone number. Extract phone numbers.

  Then, the process proceeds to step S9, and the time at which the session expiration date stored in the distribution database is added in association with the destination company specified at step S5 or step S13 is specified. Then, the session time limit update process is executed to update and store the specified time at the session time limit.

  Then, the virtual telephone number extracted in step S8 and each data extracted in step S6 are applied to the corresponding SMPP data to generate SMPP data, and the generated SMPP data is identified in step S5 or step S13. The information is transmitted to the previous company (step S10).

  On the other hand, if the extracted mobile phone number is not stored in the gateway database (GW-DB) for the destination company specified in step S5 or step S13, it is determined as “No” in step S7, and the step Proceeding to S21, a virtual telephone number registration process for storing a virtual telephone number corresponding to the mobile phone number in association with the mobile phone number is performed.

  In this virtual telephone number registration process, first, a virtual telephone number unique to the company is generated. As a method for generating these unique virtual telephone numbers, it may be generated from a mobile phone number based on a conversion rule assigned to each company, or an arbitrary number may be generated using a random number or the like. It is sufficient to search for whether or not the generated number overlaps with a virtual telephone number that has already been registered, and use one that has been identified as not overlapping (no storage of the same number).

  The virtual telephone number generated in this way is stored (registered) in association with the mobile telephone number in the gateway database (GW-DB) for the destination company, and date / time data (including the hour and minute) at the time of registration. ) And the carrier type and the like are stored, the process proceeds to step S9, and the above-described session time limit update process is performed.

  Then, the process proceeds to step S10, where the newly generated virtual telephone number and each data extracted in step S6 are applied to the corresponding data of SMPP to generate SMPP data, and then the generated SMPP data is specified in step S5. Send to the company.

  Thereby, in the converted SMPP data, the mobile phone number included in the received SMS is replaced with the virtual phone number.

  Next, the protocol conversion process 2 performed by the protocol conversion server 1 in response to receiving the SMS from the company server 6 will be described with reference to FIG. 5. First, in the protocol conversion process 2, the protocol conversion server 1 transmits The original company is specified (step Sb1).

  The sender company may be specified from the network address of the sender of the received SMS data.

  Then, each data including the destination virtual telephone number is extracted from the received SMPP data (Step Sb2), and the extracted virtual telephone number is stored in the gateway database (GW-DB) for the source company. It is determined whether or not.

  When the virtual telephone number is stored in the gateway database (GW-DB) for the transmission source company, “Yes” is determined in step Sb3 and the process proceeds to step Sb4 to identify the carrier corresponding to the virtual telephone number. To do.

  Specifically, the carrier type stored in association with the virtual telephone number may be extracted and specified in the gateway database (GW-DB) for the transmission source company.

  Then, after updating the corresponding session deadline by performing the above-described session deadline update process (step Sb4 +), each data extracted in step Sb2 is applied to the specified carrier protocol and the virtual telephone number is set. Then, after replacing the mobile phone number stored in association with the virtual phone number and generating protocol data corresponding to the carrier of the transmission destination (Sb5), the generated carrier-corresponding protocol data is transmitted in step Sb4 It transmits with respect to the SMS server 3 of the specified carrier (step Sb6).

  If “No” is determined in step Sb3, that is, if the virtual telephone number is not stored in the gateway database (GW-DB) for the transmission source company, the process proceeds to step Sb7, where the transmission source An error reply process for transmitting an error SMS including a message indicating that the destination telephone number is incorrect is performed on the company server 6 and the process ends.

  The protocol conversion server 1 implements the protocol conversion process 1 and the protocol conversion process 2 so that the SMS is transmitted from the mobile phone terminal 5 to the company server 6a of the company X, and the mobile phone is transmitted from the company server 6a of the company X. A flow in which the SMS is transmitted to the terminal 5 will be described with reference to FIG.

  For users who carry the mobile phone terminal 5, for example, a special SMS phone number and a keyword assigned to each company (company) are notified by TV, radio, advertisement, etc. In the case of X, a special SMS phone number and keyword are announced to the store where the product is displayed by a poster or the like, and in the case of the company Y, the product number for settlement is added to the product that can be settled by SMS. What is necessary is just to stick POP etc. which displayed the special SMS telephone number of Y company and the keyword "payment settlement" to settle.

  For example, when a user of the mobile phone terminal 5 finds a product of interest while shopping at a store, information on the product, for example, detailed information such as product specifications, If you want to know the defect information announced by the manufacturer and the evaluation information such as the evaluation of the person who has already purchased the product, for the special SMS phone number of company X announced by the poster in the store, When an SMS including the keyword “product information” and product specifying information for specifying the product including at least one product name, common name, product code, etc. is transmitted, the SMS addressed to the special SMS telephone number is The protocol conversion server 1 (gateway center) is specified as the transmission destination by the SMS server 3 and transmitted to the protocol conversion server 1 (gateway center).

  In the protocol conversion server 1, by executing the protocol conversion process 1 described above, the company server 6a of company X corresponding to the keyword “product information” is specified as a transmission destination, and an actual mobile phone number is set. The product specification transmitted from the mobile phone terminal 5 is converted into the SMS based on the SMPP including the virtual mobile phone number and transmitted to the specified company X company server 6a. An SMS containing information arrives at Company X.

  In response to the reception of the SMS, the company server 6a of the company X extracts product specifying information from the received SMS as shown in FIG. 6, and retrieves search information related to the extracted product specifying information to a plurality of search engines. The search information acquisition process acquired from is executed.

  As shown in FIG. 1, the company server 6a of company X is connected to the Internet network, and can access each server and a plurality of search engines on the Internet network. On the other hand, a search request is obtained by outputting a search request related to the extracted product identification information, and a search result is acquired, and various information related to the product identification information is acquired from each server on the Internet network based on the acquired search result. Perform information acquisition processing.

  Then, various information related to the product identification information acquired in the search information acquisition process is edited within the number of characters (for example, 100 characters) that can be transmitted in SMS, and product information SMS is created (product information SMS creation) processing).

  In editing the product information SMS, for example, the importance is set for various contents based on the number of pages in the search result, and the products with the highest importance within the range of 100 characters. What is necessary is just to produce information SMS.

  Then, the product information SMS created in this way is returned to the virtual mobile phone number included in the received SMS, and the SMS (product information SMS) including the returned product information is transmitted to the protocol conversion server 1. Is done.

  In this embodiment, the retrieval information acquisition process is performed in response to the SMS reception. However, for example, when the product name and the product code must be input to the SMS. Search information corresponding to the product name and product code is obtained in advance, corresponding product information SMS is created in advance, and the product information SMS created in advance is returned, thereby obtaining product information. You may enable it to shorten time until SMS is returned.

  Then, by performing the protocol conversion process 2 described above in the protocol conversion server 1, the product information SMS based on the SMPP including the virtual mobile phone number is converted into the product information SMS based on the carrier protocol including the actual mobile phone number. Then, it is transmitted to the SMS server 3 installed on the transmission destination carrier.

  In response to receiving the SMS of its own carrier protocol transmitted from the protocol conversion server 1, the SMS server 3 transmits the SMS to the mobile phone terminal 5 having the actual mobile phone number included in the SMS. As a result, the merchandise information SMS from the company server 6 a of company X reaches the mobile phone terminal 5.

  Then, with reference to FIG. 7, description will be made on the flow in which the product price is settled using SMS when the user intends to purchase the product based on the product information grasped by the product information SMS. .

  In addition, the company server 6b of the company Y which provides the payment service for the product price corresponds to the product code of the product that can be settled (even if the product is the same, an individual product code is attached if the store or the sales company is different) In addition, a settlement product database storing the product name and sales price of the product is stored, and the product name and sales price (settlement amount) of the product can be specified from the product code. As shown in FIG. 4, the payment system is connected to a payment system of a payment agency through a communication line.

  When the user wants to purchase a product, as described above, for example, the keyword “settlement” is applied to the special SMS phone number of company Y announced on the POP attached to the product. And a settlement-desired SMS including the product code of the desired product.

  The SMS addressed to the special SMS telephone number is transmitted (relayed) to the protocol conversion server 1 (gateway center) by specifying the protocol conversion server 1 (gateway center) as a transmission destination by the SMS server 3.

  In the protocol conversion server 1, by executing the protocol conversion process 1 described above, the company server 6b of company Y corresponding to the keyword “payment settlement” is specified as a transmission destination, and an actual mobile phone number is set. The payment request transmitted from the mobile phone terminal 5 is converted into the SMS based on the SMPP including the virtual mobile phone number and transmitted to the specified company server 6b of the Y company. SMS arrives at Company Y.

  In response to the reception of the SMS, the company server 6b of company Y, as shown in FIG. 7, includes whether the received SMS is the first SMS received first in the settlement or includes a one-time pass code (OTPC) described later. Whether the one-time passcode (OTPC) in the received SMS is included as to whether it is the second SMS sent in response to the SMS (impersonation confirmation SMS) reply or the settlement information SMS to be described later And whether the product code is included or not.

  That is, when the one-time pass code (OTPC) is included, it is determined as the second SMS. When the one-time pass code (OTPC) is not included, it is determined as the first SMS when the product code is included. If the product code is not included, it is determined that the payment information is SMS.

  If the received SMS does not include a one-time pass code (OTPC), product code, or settlement information, the reception of the SMS is ignored.

  When it is determined that the received SMS is the first SMS, it is confirmed whether or not the product code included in the received first SMS is registered in the payment product database, and the payment product is associated with the product code. The product name and sales amount (settlement amount) registered in the database are specified.

  When the product code is not registered in the settlement product database, an error SMS including a message indicating that the product code is incorrect is returned.

  Then, a one-time pass code (OTPC) consisting of a symbol string that corresponds to the virtual mobile phone number included in the received SMS on a one-to-one basis and is valid only for a predetermined time is generated, and the generated one-time pass code (OTPC) ) And the time when the expiration date and the specified settlement amount are temporarily stored in association with the virtual mobile phone number, and the generated SMS (impersonation confirmation SMS) including the one-time passcode (OTPC) is stored. Reply to the virtual mobile phone number.

  The returned one-time passcode (OTPC), the SMS including the identified product name and sales price (SMS for impersonation confirmation) is transmitted to the protocol conversion server 1, and the protocol conversion processing described above is performed in the protocol conversion server 1. 2 is implemented, the SMS based on the SMPP including the virtual mobile phone number is converted into the SMS based on the carrier protocol including the actual mobile phone number, and the SMS server 3 installed on the destination carrier is transferred to the SMS server 3. Sent to.

  In response to receiving the SMS of its own carrier protocol transmitted from the protocol conversion server 1, the SMS server 3 transmits the SMS to the mobile phone terminal 5 having the actual mobile phone number included in the SMS. As a result, the SMS (impersonation confirmation SMS) from the company server 6b of the company Y reaches the mobile phone terminal 5.

  In other words, when the mobile phone number included in the SMS (first SMS) desired to be transmitted sent from the mobile phone terminal 5 to the company Y is the mobile phone number of another person who has been camouflaged, the one-time time returned from the company Y Since the SMS including the passcode (OTPC), the identified product name and the sales price reaches the other person's mobile phone terminal 5, these disguised others wish to pay again as shown below. Since the SMS is not transmitted to the company Y, it is possible to avoid an improper settlement in which these mobile phone numbers are disguised.

  In response to receiving the SMS (SMS for impersonation confirmation) including these one-time passcode (OTPC), the specified product name and sales price, the user confirms that the product name and price are correct. If there is no mistake, the SMS (second SMS) including the received one-time pass code (OTPC) is transmitted again to the special SMS telephone number. At this time, even if the Y company keyword “payment settlement” is not inserted in the SMS to be transmitted, if the session is within the valid period as described above, the protocol conversion process 1 identifies the transmission destination as Y company. Then, the SMS is transmitted to the company Y. Of course, the keyword “payment settlement” of the company Y may be inserted.

  The SMS including the one-time pass code (OTPC) transmitted from the mobile phone terminal 5 in this way is the protocol conversion server 1 (gateway center) as a transmission destination by the SMS server 3 as in the first SMS (first SMS) described above. ) Is identified and transmitted (relayed) to the protocol conversion server 1 (gateway center).

  Then, by executing the protocol conversion process 1 described above in the protocol conversion server 1, the keyword “price payment” is included, or even if the keyword “price payment” is not included, it is within the range at the time of session expiration. Therefore, the company server 6b of the company Y is specified as the transmission destination, and the SMS based on the carrier protocol including the actual mobile phone number is converted into the SMS based on the SMPP including the virtual mobile phone number. It is transmitted to the server 6b.

  In response to receiving the SMS (second SMS) including this one-time pass code (OTPC), the company server 6b of company Y determines whether the received SMS is the first SMS or the second SMS, as described above. And determine that it is the second SMS based on the fact that the one-time pass code (OTPC) is included.

  The virtual mobile phone number included in the received SMS (second SMS) is stored in association with the one-time pass code (OTPC) included in the received SMS (second SMS), and the current time is The one-time pass code (OTPC) is valid on the condition that the expiration time corresponding to the one-time pass code (OTPC) has not passed, that is, the sender confirmation by the one-time pass code (OTPC) is OK. And a payment information request SMS requesting transmission of payment information such as a credit card number and an electronic money ID required for payment is returned.

  The returned settlement information request SMS is transmitted to the protocol conversion server 1, and the protocol conversion process 2 described above is performed again in the protocol conversion server 1, so that the settlement information request SMS based on the SMPP including the virtual mobile phone number is executed. Is converted into a payment information request SMS based on the carrier protocol including the actual mobile phone number, and transmitted to the SMS server 3 installed in the transmission destination carrier.

  In response to receiving the payment information request SMS of its own carrier protocol transmitted from the protocol conversion server 1, the SMS server 3 responds to the mobile phone terminal 5 of the actual mobile phone number included in the payment information request SMS. By sending the SMS, the payment information request SMS from the company server 6b of company Y reaches the mobile phone terminal 5.

  Upon receipt of the payment information request SMS, the user receives payment information such as a credit card number required for the payment, an electronic money ID, a password for a predetermined telephone charge for requesting payment from a mobile phone charge, and the like. Is sent again to the special SMS phone number. At this time, even if the Y company keyword “payment settlement” is not inserted in the settlement information request SMS to be transmitted, as long as the session is within the valid period as described above, the protocol conversion process 1 causes the transmission destination to be Y The company is identified as the company and the SMS is transmitted to the company Y. Of course, the keyword “payment settlement” of the company Y may be inserted.

  The payment information SMS transmitted from the mobile phone terminal 5 in this way is the protocol conversion server 1 (gateway center) specified as the transmission destination by the SMS server 3 as in the first SMS described above, and the protocol conversion server 1 It is transmitted (relayed) to (gateway center).

  Then, by executing the protocol conversion process 1 described above in the protocol conversion server 1, the keyword “price payment” is included, or even if the keyword “price payment” is not included, it is within the range at the time of session expiration. Therefore, the company server 6b of company Y is specified as the transmission destination, the payment information SMS based on the carrier protocol including the actual mobile phone number is converted into the payment information SMS based on SMPP including the virtual mobile phone number, It is transmitted to the company server 6b of company Y.

  In response to the reception of the payment information SMS, the company server 6b of company Y extracts the payment information included in the received payment information SMS and stores it in association with the virtual mobile phone number included in the received payment information SMS. The settlement amount (sales amount) being identified is identified, and a settlement request including the extracted settlement information and the identified settlement amount is transmitted to the settlement institution via the communication line, thereby obtaining the settlement information. The settlement organization determines whether or not settlement based on this is possible, and the settlement result is returned to the company server 6b of company Y.

  Then, in response to receiving the settlement result from the settlement organization, the company server 6b of company Y creates a settlement result SMS including the received settlement result, and returns the created settlement result SMS.

  Note that the temporarily stored virtual mobile phone number and data such as a one-time pass code (OTPC) corresponding to the virtual mobile phone number are erased based on the reply of the settlement result SMS.

  Then, the returned settlement result SMS is transmitted to the protocol conversion server 1, and the protocol conversion process 2 described above is performed again in the protocol conversion server 1, so that the settlement result SMS based on the SMPP including the virtual mobile phone number. Is converted into a settlement result SMS based on the carrier protocol including the actual mobile phone number and transmitted to the SMS server 3 installed on the destination carrier.

  In response to receiving the payment result SMS of its own carrier protocol transmitted from the protocol conversion server 1, the SMS server 3 sends the mobile phone terminal 5 having the actual mobile phone number included in the payment result SMS to the mobile phone terminal 5. By sending the SMS, the settlement result SMS from the company server 6b of company Y reaches the mobile phone terminal 5.

  In addition, the data management server 2 of a present Example implements a gateway database (GW-DB) update process shown in FIG. 8 regularly for every predetermined time interval.

  In the gateway database (GW-DB) update process of the present embodiment, the data management server 2 first specifies an erasure condition corresponding to the gateway database (GW-DB) to be updated (step Sc1).

  Specifically, if the gateway database (GW-DB) to be updated is the gateway database (GW-DB) of company X, it is stored corresponding to company X in the erasure condition table of FIG. If it is a gateway database (GW-DB) of Company Y, the erasure conditions stored corresponding to Company Y are extracted in the erasure condition table of FIG. If the gateway database (GW-DB) of company Z is specified, the deletion conditions stored corresponding to company Z are extracted and specified in the deletion condition table of FIG.

  Then, all virtual telephone numbers that satisfy the specified erasure condition are extracted from the gateway database (GW-DB) to be updated (step Sc2).

  Next, it is determined whether or not there is a virtual telephone number that satisfies the erasure condition, that is, whether or not there is an extracted virtual telephone number, and if it exists, storage (registration) of the extracted virtual telephone number is performed. If there is no extracted virtual telephone number, the process proceeds to step Sc5 without going through step Sc4.

  In step Sc5, it is determined whether or not the update process has been performed for all gateway databases (GW-DB). If not, the next gateway database (GW-DB) is set as an update target, and the step is performed. Return to Sc1.

  By doing so, data such as a virtual telephone number that satisfies the erasure condition and an actual mobile phone number corresponding to the virtual telephone number are erased from the gateway database (GW-DB) of each company. Therefore, the storage capacity required for storing the gateway database (GW-DB) can be reduced, and in this embodiment, these erasure conditions can be set for each company in accordance with the business form of each company. Therefore, it is preferable that the storage capacity of the gateway database (GW-DB), which is a virtual telephone number storage means, can be avoided, but the present invention is not limited to this. These erasure conditions may be the same for all companies.

  Even if these erasure conditions are not satisfied, the data of each gateway database (GW-DB) is stored in the company corresponding to each gateway database (GW-DB), for example, when information leakage such as a virtual telephone number occurs. For example, by deleting all data in the gateway database (GW-DB) corresponding to the company, it is possible to prevent annoying SMS due to illegal use of the leaked virtual telephone number.

  As described above, according to the present embodiment, the SMS including the product code of the product desired to be purchased, in which the SMS including the one-time pass code (OTPC) that is the short message for impersonation confirmation becomes the first short message including the payment request. Since it is transmitted to the transmission source, when the transmission source is camouflaged in the SMS for which settlement is desired including the product code, it is not the mobile phone terminal 5 used by the camouflaged fraudster but the camouflaged mobile phone number. Since a forgery confirmation short message arrives at the mobile phone terminal 5 used by a regular user (person to be impersonated) and the forgery is revealed, the other person's mobile phone is used for the settlement using SMS. It is possible to prevent an improper payment disguised as a number from being implemented.

  In addition, according to the present embodiment, by using the one-time pass code (OTPC) serving as the identification code in the present invention, the received SMS for settlement is for impersonation confirmation including the one-time pass code (OTPC). Whether it is SMS (second short message) corresponding to SMS or the first SMS (first short message) not compatible with impersonation confirmation SMS can be determined reliably and easily. Since different one-time pass codes (OTPC) are generated by the settlement of the user, these one-time pass codes (OTPC) are stolen from the user's mobile phone terminal to which the SMS including the one-time pass code (OTPC) is transmitted. However, payment cannot be performed using the stolen one-time passcode (OTPC). So, it is possible to avoid the settlement by theft or impersonation of these one-time passcode (OTPC), it is possible to improve the security in the settlement.

  Further, according to the present embodiment, the one-time pass code (OTPC) is valid only for a predetermined period, so that the one-time pass code (OTPC) is prevented from being stolen and repeatedly used. Yes, you can improve payment security.

  Further, according to the present embodiment, in addition to the SMS (impersonation confirmation short message) including the one-time pass code (OTPC), the settlement information request SMS is transmitted, and the settlement information request SMS is transmitted to the one-time pass code (OTPC). Since payment is performed by sending a payment request to a payment institution only by receiving payment information SMS information including payment information in response to reaching the sender of SMS (impersonation confirmation short message) including The reliability of impersonation confirmation can be remarkably improved as compared with the case where impersonation confirmation is performed using only SMS (short message for impersonation confirmation) including a one-time pass code (OTPC).

  In addition, according to the present embodiment, the carrier (user) of the mobile phone terminal 5 performs a search by accessing various search engines for information related to the product of interest before performing payment. Even if it is not, it can obtain easily and can improve the convenience of a carrier (user).

  In addition, according to the present embodiment, since the SMS destination company is specified by the keyword included in the SMS, a plurality of companies, for example, group companies, etc. have the same special destination number as a common destination number. Since the SMS phone number can be used, more companies can provide information and services while using the special SMS phone number assigned to the company server.

  That is, since the company X that provides the product information providing service and the company Y that provides the payment service can use the same common destination number, the user of the mobile phone terminal 5 There is no need to store individual telephone numbers in the service, and convenience for the user can be improved.

  Further, according to the present embodiment, when no keyword is included in the SMS, an error SMS is returned, so that the sender of the SMS can quickly confirm that the transmitted SMS has not arrived at the destination. Can be confirmed.

  Further, according to the present embodiment, since the error SMS returned to the sender of the SMS includes a correct keyword corresponding to the SMS special SMS telephone number transmitted by the user, the user can Since the correct keyword can be accurately grasped, inconvenience due to repeated transmission of the SMS including the wrong keyword, for example, the occurrence of unnecessary increase in the SMS transmission fee in the user. It can be largely avoided.

  Further, according to the present embodiment, when the elapsed period from the occurrence of one short message is within the session expiration period, the transmission destination is specified even if no keyword is included. Therefore, when the exchange of short messages is repeatedly performed between the mobile phone terminal 5 and the company server 6, the user of the mobile phone terminal 5 does not have to insert a keyword into the short message every time. The convenience of the user of the mobile phone terminal 5 can be improved.

  That is, in the price settlement, when the elapsed time since the first SMS is transmitted is within a predetermined period, the keyword “price settlement” corresponding to the company operating the company server 6b (settlement server computer) is included. Even if not, since the destination of the second SMS including the one-time pass code (OTPC) and the settlement information SMS is specified as the company server 6b (settlement server computer), Since the user of the mobile phone terminal 5 does not have to insert the keyword “price payment” into the second SMS or the payment information SMS, the convenience of the user of the mobile phone terminal 5 can be improved.

  In the present embodiment, also in the protocol conversion process 2 that is performed when SMS is transmitted from the company server 6 to the mobile phone terminal 5, the update process at the time of session expiration in step S9 described above is performed, The session expiration time is updated, but the present invention is not limited to this, and the session expiration time update processing may be performed only by the protocol conversion processing 1.

  In addition, according to the present embodiment, in the distribution database, the session expiration date is stored for each company, so that the session expiration date corresponding to the difference in information and service provision form in each company can be set. However, the present invention is not limited to this, and these session expiration dates may be shared by each company.

  In addition, according to the present embodiment, the SMS of each carrier protocol transmitted from the mobile phone terminal 5 of the carrier is converted into the SMS of the SMPP as a predetermined protocol and transmitted, and the SMPP transmitted from each company server 6 is transmitted. SMS is converted into a short message according to each carrier protocol and transmitted, so that each company does not have to create a short message for each carrier protocol individually, and the SMS gateway service center (protocol conversion server) It is possible to easily send and receive a short message to / from the mobile phone terminal 5 of each carrier simply by connecting to 1) and creating only the SMS of SMPP.

  Further, according to the present embodiment, in the protocol conversion process 1, since the mobile phone number is replaced with the virtual mobile phone number and the SMS data of SMPP is generated, the mobile phone number of the caller mobile phone terminal 5 is changed to the individual mobile phone number. Since it becomes possible to mediate SMS without being understood by the company (company), for example, while the importance of telephone numbers is increasing due to number portability, the mobile phone of the sender is caused by the leakage of information from individual companies It is possible to prevent the terminal phone number from being leaked.

  Further, according to the present embodiment, the virtual mobile phone number and the mobile phone number are stored in association with each other, and in the protocol conversion process 2, the virtual mobile phone number is replaced with the actual mobile phone number and the destination carrier protocol is transmitted. Therefore, SMS can be transmitted (returned) from each company while preventing the mobile phone number of the source mobile phone terminal 5 from being grasped by each company.

  In addition, according to the present embodiment, the registration of the virtual telephone number to each gateway database (GW-DB) is automatically performed in the protocol conversion 1 on the condition that the mobile telephone number is not registered. It is not necessary to previously store the mobile phone number of the mobile phone terminal 5 of each carrier and the virtual phone number corresponding to the phone number in each gateway database (GW-DB), and in these gateway databases (GW-DB) Not only can the stored data capacity be reduced to the minimum necessary, but also the trouble of storing these mobile phone numbers and virtual phone numbers can be remarkably saved.

  In addition, according to the present embodiment, individual virtual telephone numbers are stored and used for each company, so even if a virtual telephone number leaks from each company, the virtual telephone numbers used by these companies Even if the password is invalidated (erased), the virtual telephone numbers used in other companies can be used as they are, and the damage caused by the outflow of these virtual telephone numbers can be reduced.

  Although the embodiments of the present invention have been described with reference to the drawings, the specific configuration is not limited to these embodiments, and modifications and additions within the scope of the present invention are included in the present invention. It is.

  For example, in the above-described embodiment, for all SMS, replacement with a virtual telephone number is performed in protocol conversion, but the present invention is not limited to this. For companies, replacement with virtual telephone numbers is performed, but for company B, replacement with virtual telephone numbers is set for each company, such as not performing replacement with virtual telephone numbers. You may be able to do it.

  In the above embodiment, the same SMPP protocol with each company server 6 is used. However, the present invention is not limited to this, and the protocol with these companies may be a protocol other than SMPP. Moreover, a specific company may use a separate protocol from other companies.

  Moreover, in the said Example, when a virtual telephone number is leaked, it has illustrated erasing as a method of invalidating this leaked virtual telephone number, but this invention is limited to this Rather, by assigning a new second virtual telephone number to these leaked first virtual telephone numbers, and changing these first virtual telephone numbers to second virtual telephone numbers and using them, By using the second virtual telephone number while invalidating the first virtual telephone number, even a company that has leaked information may be able to continue providing services.

  Further, in the above-described embodiment, an example in which a common special SMS telephone number is assigned to the X company, the Y company, and the Z company is illustrated, but the present invention is not limited to this, and the X company, the Y company, An individual special SMS phone number may be assigned to company Z.

In the above-described embodiment, the company server 6b of company Y returns the SMS including the one-time pass code (OTPC) to extract the one-time pass code (OTPC).
Which mobile phone terminal 5 is used for payment can be easily specified, that is, each payment can be easily identified, and the SMS can be easily distinguished at which stage of payment. However, the present invention is not limited to this, and an SMS that does not include the one-time pass code (OTPC) may be returned to the mobile phone terminal 5.

  Further, in the above-described embodiment, protocol conversion is performed so that each company server 6 can easily exchange SMS with a plurality of carriers. However, the present invention is limited to this. For example, when only the mobile phone terminal 5 of one carrier is targeted, these protocol conversions may not be performed.

  Moreover, in the said Example, in order to prevent the real mobile phone number of the mobile phone terminal 5 from leaking out from each company XZ which operates each company server 6, to a virtual mobile phone number. However, the present invention is not limited to this, and conversion to these virtual mobile phone numbers may not be performed.

  In the above embodiment, the company server 6b returns the payment information request SMS and receives the payment information from the mobile phone terminal 5 by the individual SMS in the payment, so that the transmission source is not impersonated. The reliability of impersonation confirmation can be remarkably improved by confirming twice. However, the present invention is not limited to this, and the settlement information includes a one-time pass code (OTPC). It is good also as only two SMS transmitted from the mobile telephone terminal 5 in payment by transmitting by SMS of the 2nd time.

  In the above-described embodiment, the enterprise server 6b serving as the settlement server computer determines whether the received SMS is the first SMS or the second SMS corresponding to the transmission of the impersonation confirmation SMS by a one-time passcode (OTPC). However, the present invention is not limited to this. For example, if the received SMS contains a product code, it is identified as the first SMS. At the same time, the mobile phone number of the sender included in the first SMS is temporarily stored as a mobile phone number to be received by the secondary SMS for a predetermined valid period, and the mobile phone number of the sender is settled. While sending back an SMS for falsification confirmation requesting retransmission of the desired SMS (not including the one-time passcode (OTPC)), the product code is sent to the received SMS. If the mobile phone number of the received SMS is not stored, the mobile phone number of the received SMS is stored as the mobile phone number to be received by the secondary SMS. Alternatively, it may be determined whether the SMS is primary SMS or secondary SMS by a method different from these methods.

1 Protocol conversion server 2 Data management server 3 SMS server 4 Base station 5 Mobile phone terminal 6 Corporate server

Claims (9)

A short message including a payment server computer that has a short message transmission / reception function with a mobile phone terminal of a carrier that provides a short message service, and that is connected to a payment institution and performs payment for the price using the short message. A payment system,
The settlement server computer
When receiving the first short message desired to be settled from the mobile phone terminal, a request is made to resend the second short message desired to be settled to the source mobile phone number included in the received first short message. A short message replying means for impersonation confirmation to send back a short message for impersonation confirmation;
Reply specifying information storage means for storing reply specifying information capable of specifying that the impersonation confirmation short message has been returned to the mobile phone number of the transmission source of the first short message;
When a short message desired to be settled is received from the mobile phone terminal, whether the short message is the first short message or not based on the reply specifying information stored in the reply specifying information storage means Determining means for determining whether the second short message corresponds to the message;
Payment request transmission means for transmitting a payment request to the payment institution on the condition that the determination means determines that the second short message is received;
Equipped with a,
The short message settlement system characterized in that the forgery confirmation short message reply means replies with the forgery confirmation short message on condition that the judgment means determines that the message is a first short message . The settlement server computer includes an identification code generation unit that generates an identification code unique to the settlement in response to the determination by the determination unit being determined to be the first short message,
The impersonation confirmation short message return means returns an impersonation confirmation short message requesting retransmission of the second short message in which the identification code is inserted, together with the identification code generated by the identification code generation means. ,
The reply specifying information storage means stores the identification code generated by the identification code generating means as the reply specifying information,
When the determination means receives the short message desired to be settled, based on the fact that the identification code included in the received short message is stored in the reply specifying information storage means, the short message 2. The short message settlement system according to claim 1, wherein the short message settlement system determines that the second short message corresponds to the impersonation confirmation short message. The short message settlement system according to claim 2 , wherein the identification code is a one-time identification code that is valid only for a predetermined period after being generated. A payment information request short message for requesting transmission of payment information necessary for making a payment to the transmission source of the second short message on the condition that the determination means determines that the second short message is the second short message. A payment information request short message transmission means for transmitting,
The settlement request transmitting means is extracted from the settlement information short message on condition that the settlement information short message including the settlement information transmitted from the mobile phone terminal is received in response to reception of the settlement information request short message. The short message settlement system according to claim 1, wherein a settlement request including settlement information is transmitted to the settlement organization. A server connected to the Internet, which has a function of sending and receiving a short message with the mobile phone terminal, and further includes a product information providing server computer for transmitting a short message including product information;
The product information providing server computer
Short message receiving means for receiving a short message including product specifying information capable of specifying a product from the mobile phone terminal;
Product information acquisition means for acquiring information on the product specified from the product specifying information included in the received short message based on a search result by a search engine on the Internet;
Product information short message creating means for creating a product information short message including information about the product acquired by the product information acquiring means;
Product information short message sending means for returning the product information short message created by the product information short message creating means to the sender of the short message containing the product specifying information;
The short message settlement system according to any one of claims 1 to 4, further comprising: A short message service server installed in the carrier, a gateway server computer connected to the settlement server computer and the product information providing server computer,
A single common destination number is assigned to the settlement server computer and the product information providing server computer,
The gateway server computer is
A company keyword storage means for associating and storing company identification information capable of specifying each company operating the product information providing server computer and the settlement server computer to which a single common destination number is assigned, and keywords related to the company; ,
When the short message addressed to the common destination number is received from the short message service server, the company specified from the company specifying information stored in the company keyword storage means in association with the keyword included in the short message A destination specifying means for specifying the short message as a destination company;
Short message transmitting means for transmitting a short message including the keyword to the settlement server computer or the product information providing server computer operated by the company specified by the transmission destination specifying means;
Short message payment system according to claim 5, characterized in that it comprises a. The gateway server computer comprises an elapsed time management means for managing an elapsed time from transmission of one short message between the mobile phone terminal and the settlement server computer so as to be specified,
When the transmission destination specifying unit receives a short message that does not include a keyword of a company that operates the payment server computer to which the common destination number is assigned, the short-circuiting unit specified by the elapsed time management unit The short message settlement system according to claim 6, wherein the settlement server computer is determined as a transmission destination on condition that an elapsed time from the transmission of the message is within a predetermined period. A plurality of the carriers,
The gateway server computer transmits / receives a short message according to the carrier protocol unique to the carrier transmitted from the mobile phone terminal of the carrier via the short message service server of each carrier to at least the payment server computer. A first protocol conversion process for converting the message into a short message of a predetermined protocol to identify, and at least a carrier as a transmission destination of a short message transmitted from the settlement server computer, and being used in the identified carrier Shotome' according to claim 6 or 7, characterized in that it comprises a protocol conversion means for performing a second protocol conversion process for converting a short message of the predetermined protocol to the carrier protocol Over-di-settlement system. In the first protocol conversion process, the gateway server computer replaces the telephone number of the caller mobile phone terminal in the carrier included in the carrier protocol short message with a virtual telephone number unrelated to the telephone number. The short message settlement system according to claim 8.

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