JPH10293799A - Charge settlement system and charge settlement method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To immediately and safely settle the charge of a product transaction by a telephone by moving an amount equivalent to a product charge in the product transaction from the account of a customer specified by a retrieved account number to the account of a company in the case that customer identification information matches. SOLUTION: The telephone 2 of the company is provided with a transfer function and a call from the telephone 1 of the customer is transferred to the telephone 3 of a bank. In a data base 6, the identification information of the customer and the company and the account numbers of the customer and the company relating to the identification information are stored. Then, received company identification information is inputted to the information processor 5 of the bank and collated with customer identification information stored in the data base 6. In the case that they match as the result of collation, based on the customer identification information, the account number of the customer is retrieved from the data base 6. In the case that a balance is present as the result of retrieval, the charge of a product is transferred from the balance of the account to the account of the company.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system and method for settlement of payment through communication, and more particularly to a system and method for immediately settingtle the price of a commodity in a commodity transaction by telephone.

[0002]

2. Description of the Related Art In recent years, merchandise transactions by telephone, for example, mail order sales, etc., have been actively performed. These mail order etc.
When purchasing products, there is no need to go to the store directly, and there is an advantage that it is easy to buy.

[0003]

However, the above-mentioned transactions such as mail-order sales are completed without going to the store, so the method of paying the commodity price becomes a problem. At present, the payment method may be payment by a credit card, payment by bank transfer to the bank or cash on delivery.

[0004] However, the above-mentioned payment by credit card and cash on delivery has many troubles, and at present, the receiving company has a risk. Also, transfer
It takes time and effort because you have to go to the bank. Furthermore, instead of payment by credit card,
Many wish to pay by cash.

Accordingly, an object of the present invention is to provide a price settlement system and a price settlement method capable of promptly and safely performing a price settlement of a commodity transaction by telephone without using a price settlement of a credit card or the like. It is in.

[0006]

SUMMARY OF THE INVENTION An object of the present invention is to provide, when a commodity transaction is made between a customer of a financial institution and a predetermined company, a commodity price in the commodity transaction from the customer's account at the financial institution. Is a payment settlement system for performing payment settlement by transferring an amount corresponding to the above to an account of the company, wherein a customer identifies an offer of a commodity transaction and a system user when the commodity transaction is established. And transmitting means for transmitting customer identification information for the, the company, receiving means for receiving an offer for a commodity transaction from the customer,
Transmitting means for transmitting, to the financial institution, company identification information for identifying a system user when the product transaction with the customer is completed; and transmitting the customer's call when the product transaction with the customer is completed. Transfer means for transferring to the financial institution, wherein the financial institution stores a first storage device in which the customer identification information and the account number of the customer are stored in association with each other; Receiving the company identification information and the company identification information stored in the second storage device in association with the account number, and comparing the received company identification information with the company identification information stored in the second storage device. If they match, the company matching means for searching for the account number of the corresponding company, receiving the customer identification information, and comparing the received customer identification information with the customer identification information stored in the first storage device. And if they match Customer matching means for searching for the account number of the corresponding customer, and if the customer identification information matches, the customer price specified in the searched account number is used for the merchandise transaction in the merchandise transaction. And a transfer means for transferring an amount corresponding to the account number to the account of the company specified by the searched account number.

[0007] Preferably, the company further includes means for transmitting the contents of the merchandise transaction established with the customer to the financial institution. If the customer identification information does not match, or if the balance of the customer's account cannot be transferred from the customer's account to the company's account due to insufficient balance from the customer's account to the company's account, the financial institution will call the customer. Second to transfer to company
It is preferable to have the transfer means.

It is preferable that the financial institution has transmission means for transmitting the completion of the transfer to the customer and the company.
The first storage device of the financial institution includes a first file storing an identification number for identifying the customer, a second file storing a personal identification number corresponding to the identification number,
A third file in which a matrix of m rows × n columns (m and n are natural numbers) in which symbols are randomly arranged is stored in association with the identification number, and First notification requesting means for requesting notification of the identification number, first matching means for matching the received number with the identification number stored in the first file,
A second notification requesting unit that requests the customer to be notified of a personal identification number when the numbers match in the first matching unit;
A second comparing unit that compares the received number with a personal identification number corresponding to the identification number stored in the second file, and when the numbers match in the second comparing unit, K rows and l columns (k ≦ l) of a matrix of m rows × n columns corresponding to the identification numbers stored in the file No. 3
a third notification requesting means for requesting the customer to notify the customer of a symbol arranged in (m, l ≦ n, k, l are natural numbers), k rows and l rows of the received symbol and the matrix of m rows × n columns It is preferable to have a third collation unit that collates the symbols arranged in the column, and if the symbols match, determines that the customer is the one who uses the system.

[0009] An object of the present invention is to provide, when a commodity transaction is established between a customer of a financial institution and a predetermined company, an amount corresponding to the commodity price in the commodity transaction from the account of the customer at the financial institution. A payment settlement method for performing payment by transferring to a company account, wherein the financial institution gives the customer identification information for confirming that the user is a system user, and the financial institution corresponds to the customer identification information. Storing the customer's account number in a storage device, and providing the company with company identification information for confirming that the financial institution is a system user; and storing the company identification information and a corresponding company account number in the storage device. And a step in which the customer makes an offer for a predetermined product transaction to the company using a telephone. Transmitting the company identification information to the financial institution and forwarding the customer's telephone to the financial institution; the financial institution receiving the forwarded telephone call and asking the customer to transmit the customer identification information; A step in which the customer transmits his or her customer identification information in response to a request, wherein the financial institution checks the received customer identification information with the customer identification information stored in the storage device; If they match, the step of confirming the price of the product from the customer, the financial institution stores the account number corresponding to the customer identification information and the account number corresponding to the received company identification information from the storage device. Searching, and the financial institution having a step of transferring an amount corresponding to the price of the product from the account of the account number of the searched customer to the account specified by the account number of the searched company. Is achieved by payment method characterized.

[0010] Preferably, the company further includes a step of transmitting the contents of the merchandise transaction established with the customer to the financial institution. If the customer identification information does not match, or if the balance of the customer's account cannot be transferred from the customer's account to the company's account due to insufficient balance, the customer's telephone is It is preferable to have a process of transferring to a company.

[0011] Preferably, the financial institution has a step of transmitting the completion of the transfer to the customer and the company. Further, the customer identification information includes an identification number for identifying a customer, a password corresponding to the identification number, and the m rows × n columns (m and n are natural numbers) in which symbols are randomly arranged. And a matrix corresponding to these, which are stored in the storage device, and the step of collating the customer identification information,
Requesting a customer to be notified of an identification number; transmitting the identification number by the customer; a first collation step of collating the received number with the stored identification number; and a first collation step If the numbers match, a step of requesting the customer to notify the personal identification number, a step of transmitting the personal identification number by the customer, and a second collation for collating the received number with the stored personal identification number If the numbers match in the step and the second collation step, the stored row m × n matrix k rows and l columns (k ≦ m, l ≦ n, k and l are natural numbers)
Requesting the customer to be notified of the symbols located in the matrix, transmitting the symbols in the k rows and l columns of the matrix, and receiving the received symbols and the k rows and l columns of the m by n matrix And if the symbols match, it is determined that the customer is a customer who uses the system.

In the above-mentioned process, it is preferable that random numbers are generated to determine k and l.

[0013]

Embodiments of the present invention will be described with reference to the drawings. FIG. 1 is a conceptual diagram showing the concept of the present embodiment. In FIG. 1, 1 is a telephone on the customer side, 2 is a telephone on the company side, 3 is a telephone on the bank side, 4 is an exchange connecting the calls of the telephones 1, 2 and 3, and 5 is an information processing device installed in the bank. (Computer) and 6 are databases connected to the information processing device 5.

The telephone 2 is provided with a transfer function such as NTT voice warp, so that a call from the customer's telephone 1 can be transferred to the bank's telephone 3. The database 6 stores identification information of customers and companies that can use this system, and account numbers of the customers and companies in association with the identification information.

Here, each identification information will be described. First, customer identification information used in the present system will be described. The customer identification information includes a contract number, a password and a matrix. The contract number is an identification number for identifying a customer who uses this system, and one contract number is assigned to each customer. For example, for customer A, "123
A five-digit number “45” is assigned.

The personal identification number is a number selected by the customer himself.
For example, it is a 5-digit number such as “67890”. still,
This password is stored in a file of the database 6 in association with the above-mentioned contract number. That is, the contract number “12345” and the personal identification number “67890” are stored in association with each other. It should be noted that a different contract number is given to each customer, but the personal identification number is not always different for each customer. This is because the PIN is selected by the customer.

The matrix is a matrix in which numbers are randomly arranged in m rows × n columns (m and n are natural numbers). This matrix has one-to-one correspondence with contract numbers.
FIG. 2 shows a usage card on which a contract number and a matrix are described. The usage card is distributed from the bank to the customer. The surface of the usage card shown in FIG. 2 illustrates a case where the contract number is “12345” and the matrix has 10 rows and 10 columns.

Next, the company identification information will be described. The company identification information may be a simple company name, for example, text data “B Shoji”. The contract number for each company, for example, "12
A code number such as "3" may be used. The customer identification information and the company identification information described above are stored in the database 6 in association with each account number as shown in FIG. The information processing device 5 is configured to perform collation and search.

Next, the operation of the present system will be described with reference to the flowcharts of FIGS. First, before the commodity transaction is started, the customer A goes to the bank B and signs a contract with the bank to use the present system. Then, the bank B gives the customer A a usage card in which the contract number and the matrix are recorded, and the customer A selects and registers the personal identification number.

Bank B has a contract number, a password number,
Register and store the matrix and account number in the database in association with each other. In the following description, it is assumed that the contract number of the customer A is 12345, the password is 67890, the matrix is a matrix of 10 rows and 10 columns in which the usage card shown in FIG. 2 is recorded, and the account number is 101010. Similarly, Company C goes to Bank B and makes a contract with the bank to use this system. Bank B gives company C an identification code as company identification information. Then, the bank B registers and stores the identification code of the company C and the account number in the database 6 in association with each other. In the following description, it is assumed that the identification code of the company C is 987 and the account number is 202020.

When customer A wants to trade goods with company C,
A call is made from the telephone of the customer A to the company C using the telephone 1 (S
step100). Then, the customer's call arrives at the telephone 2 of the company C, and the commodity transaction is started (Step 101). If the transaction is not established, the process ends (Step 102). For example, when a transaction for a product D with a price of 5000 yen is completed (St
ep103), Company C transfers the call of telephone 1 to telephone 3,
That is, the customer A's telephone is transferred to the bank B (Step 10).
4) Before connecting the telephone 1 and the telephone 3, the company identification information (987) and the transaction contents (commodity D, price 5000 yen) are transmitted to the bank B, and the telephone 1 and the telephone 3 are connected.
(Step 105).

At the bank B, the company identification information (987) received by the information processing apparatus 5 is input, and the account number (202020) of the company is searched from the database 6 (Step 10).
6). Further, when the call of the telephone 1 arrives, the bank B has the customer A transmit the customer identification information, and checks the customer A with the customer identification information stored in the database 6 (Step 1).
07).

As a result of the collation (Step 108), if there is no match, the call of customer A is transferred to the company again (Step 1).
09). If they match, the customer A confirms the contents of the merchandise transaction (including the price of the merchandise) (Step 11).
0), retrieve the account number of the customer A from the database 6 based on the customer identification information (Step 111). continue,
It is searched whether the balance corresponding to the product price of the transaction content is in the account of the searched account number 101010 (Step 1).
12). As a result of the search (Step 112), it notifies that transfer is not possible if the balance is insufficient, and transfers the call of customer A to company C (Step 114). If there is a balance, the price of the product (5000 yen) is transferred from the account balance to the company C
(Account No. 202020) (Step
113). Then, the customer A and the company C are notified that the transfer has been completed (completion of the payment) (Step 11).
5).

Here, the collation of the customer identification information will be described in more detail with reference to the flowcharts of FIGS. 6, 7 and 8. First, the operator who has received the telephone call from the customer A requests notification of the contract number (Step 200).
The customer A notifies the contract number of “12345” from the telephone 1 (Step 201). The operator notified of the contract number, the number “1234” notified to the information processing apparatus 5
"5", the information processing apparatus 5 searches the database 6 and checks whether a contract number corresponding to "12345" is stored (Step 202). And "1234
If the contract number corresponding to “5” is stored (S
(Step 203), the personal identification number corresponding to “12345” is read (Step 205). On the other hand, if the number is not stored, the operator responds to resend the contract number (Steps 204 and 206). Then, as a result of the collation again (Steps 207 and 208), if the corresponding contract number is not stored, it is notified that the payment cannot be made, and the telephone is transferred to the company C (Step 20).
9).

Returning to Step 205, when the password is read, the operator notifies the customer A to notify the password (Step 210). The customer A notifies the personal identification number “67890” from the telephone 1 (Step Ste).
p211). The operator notified of the personal identification number collates the read personal identification number with "67890", and collates whether the personal identification number "67890" is a personal identification number corresponding to the contract number "12345" (Step 212). If the password “67890” is the password corresponding to the contract number “12345” (Step 213), the matrix corresponding to the contract number “12345” is read and displayed on the monitor of the information processing device 5 (Step 21).
4). The password returned from the customer A is the contract number "12
If the password does not correspond to “345”, a response prompting retransmission of the personal identification number is requested (Step 215), and as a result of the second collation (Steps 216, 217, 218), if it corresponds (if the personal identification number is stored). It returns to Step214. On the other hand, as a result of the re-verification, if it is not applicable (the password is not stored), it is notified that the payment cannot be made,
The telephone is transferred to the company C (Step 219).

The operator requests the customer A to reply to the matrix corresponding to the contract number "12345" displayed on the monitor, which is the number arranged in the row and column selected by the information processing apparatus 5. (Step22
0). For example, the screen displays "Row 3, column 4, numbers
7 "is displayed on the monitor, so the operator asks the customer A" What are the numbers arranged in the third row and the fourth column? " The customer A responds to the operator's question by saying "7 is" while checking the matrix of the used card (Step 221). The operator receives the reply of “7” of the customer A, and compares the number displayed on the monitor with the reply “7” of the customer A (Step 222). And if they match (S
(Step 223), it is determined that the customer A is the customer himself, and the process proceeds to the next step (Step 224). If they do not match, they are collated again (Steps 225 to 228). If they do not match again, the customer A is notified that payment cannot be made, and the telephone is transferred to the company C (Step 229).

[0027]

According to the present invention, payment for merchandise transactions by telephone such as mail-order sales can be settled safely and immediately. The invention is also effective for those who wish to pay by cash instead of by credit card.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram of the present embodiment.

FIG. 2 is a diagram for explaining a matrix used in the present embodiment.

FIG. 3 is a conceptual diagram of customer identification information and company identification information stored in a database.

FIG. 4 is a flowchart for explaining the operation of the present embodiment.

FIG. 5 is a flowchart for explaining the operation of the present embodiment.

FIG. 6 is a flowchart illustrating a collation operation of customer identification information according to the present embodiment.

FIG. 7 is a flowchart illustrating a collation operation of customer identification information in the present embodiment.

FIG. 8 is a flowchart for explaining a collation operation of customer identification information in the present embodiment.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Customer's telephone 2 Company's telephone 3 Bank's telephone 4 Exchange 5 Information processing device 6 Database

Claims (11)

[Claims] When a commodity transaction is established between a customer of a financial institution and a predetermined company, an amount corresponding to a commodity price in the commodity transaction from the customer's account at the financial institution is transferred to an account of the company. A payment means for transmitting a commodity transaction request and customer identification information for identifying a user of the system when the commodity transaction is concluded. The company comprises: receiving means for receiving an offer for a commodity transaction from the customer; and, when the commodity transaction with the customer is completed, the company identification information for identifying the user as a system user. And a transfer unit for transferring a call of the customer to the financial institution when a product transaction with the customer is established, wherein the financial institution includes the customer identification information and the customer A first storage device in which an account number is stored in association with the first storage device, a second storage device in which the company identification information is stored in association with the account number of the company, Company collation means for collating the received company identification information with the company identification information stored in the second storage device, and when they match, searching for the account number of the corresponding company; Customer matching means for comparing the received customer identification information with the customer identification information stored in the first storage device, and when they match, searching for an account number of the corresponding customer; If the customer identification information matches in,
From the account of the customer identified by the searched account number,
Transfer means for transferring an amount corresponding to a commodity price in the commodity transaction to an account of the company specified by the retrieved account number. 2. The payment settlement system according to claim 1, wherein the company further comprises means for transmitting the contents of the commodity transaction established with the customer to a financial institution. 3. If the customer identification information does not match, or if the balance of the customer's account cannot be transferred from the customer's account to the company's account due to a shortage of balance from the customer's account to the company's account, The second to transfer the call to the company
The payment settlement system according to claim 1, further comprising a transfer unit. 4. The payment settlement system according to claim 1, wherein the financial institution has transmission means for transmitting the completion of the transfer to the customer and the company. 5. A first storage device of a financial institution stores a first file storing an identification number for identifying a customer, and a second file storing a personal identification number corresponding to the identification number. And a third file in which a matrix of m rows × n columns (m and n are natural numbers) in which symbols are randomly arranged is stored in correspondence with the identification number. First notification requesting means for requesting a customer to be notified of the identification number, first matching means for comparing a received number with the identification number stored in the first file, If the numbers match with each other, the second notification requesting means for requesting the customer to be notified of the personal identification number, and the received number corresponds to the identification number stored in the second file. Second collation means for collating with the personal identification number; If the numbers match in the second collating means, k rows and l columns (k ≦ m, l ≦) of a matrix of m rows × n columns corresponding to the identification numbers stored in the third file (n, k, l are natural numbers) a third notification requesting unit for requesting the customer to notify the customer of a symbol arranged in k rows and l columns of the matrix of the received symbol and the m rows × n columns. Match the symbol
The payment system according to any one of claims 1 to 4, further comprising third matching means for determining that the customer is a customer who uses the system if the symbols match. 6. When a product transaction is established between a customer of a financial institution and a predetermined company, an amount corresponding to a product price in the product transaction from the customer's account at the financial institution is transferred to an account of the company. A payment method for performing a payment by doing, the financial institution gives the customer identification information for confirming that it is a system user to the customer, and the account number of the customer corresponding to the customer identification information In the storage device, and the financial institution gives company identification information to confirm that the user is a system user, and stores the company identification information and the corresponding company account number in the storage device. And the step of the customer making a predetermined product transaction to the company using a telephone, the company, if the product transaction with the customer has been established, to the financial institution Transmitting company identification information and forwarding the customer's telephone to the financial institution; the financial institution receiving the forwarded telephone call and asking the customer to transmit the customer identification information; The financial institution transmits its own customer identification information in accordance with, and the financial institution checks the received customer identification information with the customer identification information stored in the storage device. Confirming the price of the product from the customer; andthe financial institution retrieves an account number corresponding to the customer identification information and an account number corresponding to the received company identification information from the storage device. Transferring the amount corresponding to the price of the product from the account of the account number of the searched customer to the account specified by the account number of the searched company. Settlement method. 7. The payment settlement method according to claim 6, wherein the company further comprises a step of transmitting to the financial institution the contents of the commodity transaction established with the customer. 8. If the customer identification information does not match, or if the balance of the customer's account cannot be transferred from the customer's account to the company's account due to a shortage of balance from the customer's account to the company's account, 8. The method according to claim 6, further comprising the step of transferring the telephone call to the company.
Payment method. 9. The method according to claim 6, wherein the financial institution has a step of transmitting the completion of the transfer to the customer and the company.
The payment settlement method according to claim 8. 10. The customer identification information includes an identification number for identifying a customer, a personal identification number corresponding to the identification number, and m rows × n columns (m and n are natural numbers) in which symbols are randomly arranged.
And a matrix corresponding to the identification numbers, wherein these are stored in the storage device, and the step of collating the customer identification information includes the steps of requesting the customer to be notified of the identification number; A transmitting step, a first collating step of collating the received number with the stored identification number, and when the numbers match in the first collating step, a notice of a personal identification number is sent to the customer. A requesting step, a step in which the customer transmits a personal identification number, a second matching step in which the received number is compared with the stored personal identification number, and a case where the numbers match in the second matching step. , And the stored k rows and n columns matrix k rows and l columns (k ≦
requesting the customer to be notified of the symbols arranged in the following manner: m, l ≦ n, k, l are natural numbers); transmitting the symbols in the k rows and l columns of the matrix; k rows 1 of a matrix of m rows × n columns
Checking the symbols arranged in the column and, if the symbols match, determining that the customer is a customer who uses the system. Payment method described in. 11. The payment settlement method according to claim 10, wherein k and l are determined by generating random numbers.