WO2001067318A1

WO2001067318A1 - Settlement method and settlement system

Info

Publication number: WO2001067318A1
Application number: PCT/JP2000/001421
Authority: WO
Inventors: Seiji Sanda
Original assignee: Lts & Co., Ltd.
Priority date: 2000-03-09
Filing date: 2000-03-09
Publication date: 2001-09-13
Also published as: AU2000229396A1

Abstract

A data center (60) having a contractor information management database (70) in which a mobile telephone number (71) and a credit card number (73) both assigned to each mobile (40) are correlated each other and registered is interposed between an authorization service network including a credit card company (10), goods/service shops (20), and a credit card member and a mobile communication network including a mobile communication company (30) and mobiles (40). The user (50) transmits card settlement information (80) to the data center (60) by operating the mobile (40) for communication, the credit card number (73) is read out of the contractor information management database (70) according to the mobile telephone number (71) of the mobile (40), the card settlement information (80) and the credit card number (73) are transmitted to the credit card company (10), and the settlement is conducted without using the credit card number (73).

Description

Description Payment method and payment system Technical field

The present invention relates to a settlement technology, and more particularly to a technology effective when applied to settlement using a credit service network such as a credit card. Background art

For example, as a settlement method that does not use cash, credit transactions using credit cards and the like as a medium have become widespread.

When making a payment with this credit card (hereinafter abbreviated as “card”), it is necessary in principle to present a card with a signature signed on the back of the card at the card merchant store and sign the same signature on the specified sales slip. In the case of mail-order sales and telephone reservation sales, the omission of the signature is exceptionally accepted by the card company. In other words, in order to use the card, it is necessary to carry the card, or to transmit a forced number by telephone, electronic communication, facsimile or other communication means. Disclosure of the invention

Carrying the card carries the risk of being lost or stolen, and as a result, unauthorized use of the card by imitating a signature is likely. In addition, transmission of card numbers via public communication means always involves the risk of card number leakage, and it is easy for unauthorized use by others using transaction forms such as mail-order sales and telephone reservation sales.

In addition, card settlement procedures are often performed in the backyard, and the card leaves the person's hand during the procedure. Therefore, there is a high risk that the magnetic portion of the card will be duplicated or the card itself will be forged.

In the unlikely event that payment is requested with a fraudulently duplicated / forged card, the merchant cannot tell whether the presented card is genuine or not.

Also, since there can be multiple identical cards on the system, duplicate cards Can't find out.

In recent years, the use of IC chip-mounted cards to address the problems inherent in magnetic force has only slightly reduced the risk of forgery, and added the risk of having to enter a PIN in an open place. In sum, the issues remain unresolved.

An object of the present invention is to provide a payment technology that can perform convenient and highly secure payment using a payment system using a credit card.

It is another object of the present invention to provide a payment technique capable of securely preventing a credit card itself or a card number from being illegally used and performing payment with high security.

Another object of the present invention is to provide a payment technology capable of realizing a secure and convenient payment service quickly, at low cost, without constructing a new large-scale credit system. It is in.

Another object of the present invention is to provide a payment technique capable of performing highly secure payment without issuing a credit medium such as a credit card.

According to the present invention, a card function is provided by a mobile communication terminal device (hereinafter, abbreviated as “mobile device”) and a server that is installed in the server, equipped with a force function. It eliminates the risk of loss or theft by eliminating the need for a mobile phone, as well as enabling forcible payment without the need to disclose the card number.

If a card is stolen, it may not be immediately noticed if the user does not use the card frequently. However, judging from the current prevalence of mobile devices and their usage, if a mobile device is stolen, it is expected that the user will immediately notice the fact, and the stolen fact can be quickly notified. Yes, it can minimize the damage. The present invention solves this problem by using a mobile device instead of a card that is currently widespread, and in the future, the spread of the present invention makes it unnecessary to issue the card itself.

More specifically, the present invention operates as follows as an example.

When a user wants to pay by card at a card merchant, the user sends the payment information from his / her mobile device to the data center, instead of presenting the conventional password. For this call, a function has been added to enable one-touch calling to the phone number May be. In the data center, the database of the user's mobile phone number provided by the mobile communication carrier or mobile communication line reseller (hereinafter collectively referred to as “the business operator, etc.”) A card number database for each user provided by a credit card company has been constructed. A method in which a plurality of card companies are registered and the user selects a card company to be used for each settlement can be adopted.

When a call is received from a user, the caller ID display function enables the caller to be identified, and the user's card number is immediately derived. The data center transmits the card number and the information required for card payment entered by the user to the card company, and the card company performs credit confirmation in card payment as in the past. If the credit is confirmed and the settlement is completed, the credit card company's Credit Authorization Terminal (CAT) (from the credit and finance information service system) (as usual) is issued from the credit card company.

) Payment information is transmitted to terminals, etc., and sales slips are printed. In the conventional method, the card number is printed on the upper vote, but in the present invention, the card number is not printed, and the mobile phone number transmitted instead of the force presentation or the user identification number managed separately is used. The user is identified by printing. As a result, the user's card number is only transmitted between the card companies from the day and night, and before and after that, the card number is not displayed at all and the card can be settled. Therefore, the user's card number is maintained only within the company or the company, and there is no need to notify or record it outside the company, so there is no opportunity to disclose it and security is ensured. high. According to this method, it is possible to make the card itself unissued. In the event of an accident such as the leakage of a card number, it is sufficient to change the card number at the card company based on the notification from the user to the card company, and the time required from the occurrence of the accident to recovery will be sufficient. Dramatically shorten. BRIEF DESCRIPTION OF THE FIGURES

FIG. 1 is a conceptual diagram illustrating an example of a configuration of a payment system that performs a payment method according to an embodiment of the present invention. BEST MODE FOR CARRYING OUT THE INVENTION

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

FIG. 1 is a conceptual diagram illustrating an example of a configuration of a payment system that performs a payment method according to an embodiment of the present invention.

In the payment system according to the present embodiment illustrated in FIG. 1, reference numeral 10 denotes a credit card company, 20 denotes a member of a credit card service network operated by the credit card company 10, a service dealer, Reference numeral 30 denotes a mobile communication carrier, 40 denotes a mobile terminal such as a mobile communication terminal used in a mobile communication network operated by the mobile communication carrier 30, 50 denotes a mobile communication contractor, a credit card member, Users such as goods and service purchasers, etc., 60 is a mobile communication service company with a credit card function (hereinafter abbreviated as “day / night”), and 70 is a subscriber information management data provided in In the evening,

The contractor information management database 70 includes, as an example, a mobile phone number 71 (MIN) (first identification information) assigned to the mobile station 40 and a credit card corresponding to the mobile phone number 71. The number 73 (second identification information) is registered in association with it. In addition, the personal information 74 of the contractor with the card company name 72 and the mobile device 40 credit card number 73 is registered as necessary.

Next, the identification of each mobile device 40 and the user authentication in the mobile communication network constituting a part of the settlement system for carrying out the settlement method of the present embodiment are performed by the credit card itself or the credit card. Explain that it can be realized at a much higher security level than when using a card number or the like.

<Security processing S 10> Setting of mobile device ID

A unique number is electrically written into each mobile device 40. This unique identification code forms a multi-layer structure in which the following four types of numbers are stored for each unit.

Identification code C1: ESN (E1 ectric Serial Number) Identification code C2: MIN (Mobi1eIdentificat on Numbe r: mobile phone number 71)

Identification code C3: PSN or JSN (the number printed on the label of mobile device 40) issue)

Identification code C4: PIN (Pe r s ona l I d ent i f i cat at N umbe r: Personal identification number) (for unlocking dial lock on user 50 side, can be changed by user 5 °)

The above-mentioned identification code C1 to identification code C4 can be decrypted / changed depending on the intended use, but the settings are different, but they are encrypted in the internal element of the mobile device 40 (except for the identification code C4 PIN). Is done.

The identification code C 1 cannot be read out by operating the mobile device 40. The jigs for writing / reading are strictly managed by the manufacturer or the mobile communication carrier 30. Even if the storage portion inside the mobile device 40 is mechanically moved to another mobile device 40, it is impossible to transfer the numbers simply by relocating the semiconductors because there is an ID between the internal semiconductors.

The identification code C2 is the telephone number of the mobile 40 written exclusively by the mobile communication carrier 30 at the time of contract.

The identification code C3 is a unique number assigned by the mobile communication carrier 30 during the production of the mobile device 40 and cannot be changed.

The mobile communication carrier 30 writes the identification code C4 into the mobile device 40 at the time of contract and can be changed by the user 50. (However, the "changed number" is not stored except for the mobile device 40.)

<Security processing S 20> Specification of mobile device 40 in mobile communication carrier 30

The identification of the mobile device 40 in the mobile communication carrier 30 is a combination of the above-mentioned ESN and MIN, and the verification is performed by collating these at the facility of the mobile communication carrier 30. At this time, the number is transmitted to the space in the wireless section, but is encrypted and transmitted using an authentication key with no regularity.

When the bucket communication is used, the mobile communication carrier 30 specifies the mobile device 40 in addition to the above-described method, and a passcode verification is performed.

Therefore, the certainty of the identity of the user in the mobile device 40 is much higher than the identity of the user in the conventional card. Because the traditional card In this embodiment, the user 50 is specified only by the card itself or by two points including the personal identification number, but in this embodiment, the combination of ESN and MIN is added in addition to the two points. This is because the user 50 (mobile device 40) can be specified.

The above is the reason why the transmission / reception of the mobile device 40 can be used for settlement with high reliability in place of the presentation of the credit card or its number.

<Security processing S 30> Ensuring association between user 50 and mobile device 40 In mobile communication networks, each mobile device 40 has an extremely high degree of discrimination. As described above, the connection between the credit card number 73 corresponding to the machine 40 becomes extremely strong. However, since the mobile device 40 itself is a physical entity like a card, it is possible for others to try to use the mobile device 40 illegally through theft or detection. In the current technology, there is no means to completely prevent the loss or theft of portable items worn and carried by people. Since the mobile device 40 in the present embodiment also has a function as an alternative to force, Cannot be completely prevented. As a measure to prevent unauthorized use, in the case of a card, only a signature that can be easily copied is provided.

In contrast, when the mobile device 40 is used as in the present embodiment, the following dual user authentication methods can be used. Although high security is ensured by itself, even higher security can be realized by using it twice. The use of these user authentication methods can be left to the choice of the user 50 or the card company. User authentication method A1: Use of a password (identification code C4: mobile terminal PIN) that can be set by the user 50 on the mobile terminal 40 as desired. If the lock is not released by inputting the correct password, the mobile device 40 will not operate, and not only the card settlement according to the present invention but also a normal telephone call cannot be made. This is not limited to the method of inputting a personal identification number, but it is also possible to adopt a method such as confirmation by voice recognition of the person or confirmation by fingerprint recognition of the person. There are two types of locking methods, depending on the mobile device 40, automatic locking under the condition that a certain time elapses, and manual locking that requires a predetermined operation.

User authentication method A2: When transmitting the information required for card settlement from mobile device 40 to data center 60, the user is required to enter card PIN 85 (card PIN). This card security code 85 is the card security code 85 required to be registered by the credit card company 10 when the user 50 enrolls in card service or a separately registered number, and is added to the payment information. By transferring and transferring the credit card to the credit card company 10 via the server 60, the reliability of the identity verification of the user 50 can be improved. Purchase price 8 2 is a constant for more than the settlement amount of money to force the input of the card personal identification number 8 5, or the card personal identification number 8 5 may be considered a force ^s options, such as to expand the dog the credit limit by the input of, these Is related to the product design of credit card company 10 and will be added at the request of credit card company 10. Hereinafter, the operation of the settlement system that performs the settlement method of the present embodiment will be described.

First, an example of a contract relationship premised on operating the settlement method and settlement system of the present embodiment will be described. The main contractual relationships between the parties are as follows, but are not limited to these, and the contract names are also for convenience. These contracts can be made individually or in any combination, and in any order.

C t 1: Merchant agreement between credit card company 10 and merchant (goods / service store 20),

C t 2: Membership agreement between credit card company 10 and user 50 (membership agreement),

C t 3: Line between mobile communication service company 60 with credit card function (data center administrator), which is the service provider of the present embodiment, and mobile communication carrier 30 etc. Business alliance agreements including information provision,

C t 4: Includes information provision and business outsourcing between credit card company 10 and mobile communication service company 60 with credit card function (de-Ichiyu Senyu Manager), which is the service provider of the present embodiment. Business alliance agreements,

Ct5: Communication service use contract between user 50 and mobile communication carrier 30, etc.

Ct6: Service contract between user 50 and mobile communication service company with credit card function 60 (a service manager for the day) that is the service provider of the present embodiment. , Ct7: Approval agreement for provision of information between user 50 and credit card company 10, Ct8: Provision of information between user 50 and mobile communication carrier 30, etc. Approval agreement.

Hereinafter, an example of the overall operation of the settlement method and the method of using the settlement system according to the present embodiment will be described.

Step S1: CAT · G-CAT · IC card terminal or similar card payment terminal (hereinafter collectively referred to as “CAT terminal”) or a card affiliated store that does not have a CAT terminal Product consisting of member stores, etc. · Application for purchase of goods · services by user 50 at service store 20. It is assumed that both purchases at stores and purchases via communication means such as the Internet are available.

Step S2: Sales consent by the member store (goods / service store 20) and transmission of necessary information such as the member store terminal ID number to the user 50. The transmission method may be any one of a method of direct transmission to the mobile device 40 via verbal, written, or barcode, wired connection, radio wave, or a combination thereof.

Step S3: When the user 50 starts using the mobile device 40 for card payment work, as described in the above <security processing S30>, for example, the user locks the dial by inputting a password. Cancel. As a key for unlocking, it is possible to use a voice or a fingerprint in addition to the password method.

Step S4: The user 50 sends the card payment information 80 from the mobile device 40 to the data center 60 managed by the service provider (data overnight manager) in a normal communication operation. To send. The user enters his / her card payment information 80 in accordance with the guidance of automatic voice or text display, and inputs the information such as the merchant terminal ID 81 received in the above (Step S 2) and the purchase price 8 2 Input, payment method 8 3 (one-time payment, installment payment, etc.), etc., and transmit the information to 60 The communication method can be either a packet switching method or a circuit switching method. If the user 50 has registered a plurality of passwords for settlement, selection of a card company to be used for the current settlement is made as other information 84 included in the force settlement information 80. (Specified) is also required. In addition to this information, it is possible to add a PIN for card payment (card PIN 85). Step S5: The mobile communication carrier 30 connects the communication (forced payment information 80) transmitted from the mobile device 40 to the destination (data center 60) in the process of connecting the < As exemplified in the security process S10> and the security process S20>, to identify and authenticate the mobile device 40, the data related to the transmission of this specific mobile device 40 To the server 60 As a result, the completion of the identification of the mobile device 40 by the mobile communication carrier 30 is ensured. The line from the mobile telecommunications carrier 30 to the data center 60 can be connected to the Internet, but a dedicated line connection is more secure.

The transmission information 90 transmitted from the mobile communication carrier 30 to the data center 60 is the authenticated telephone number 91 obtained in the authentication process of the specific mobile device 40 and the above-mentioned card decision. Information 80. The transmission of the authenticated telephone number 91 is realized by, for example, a caller ID notification service set from the mobile communication carrier 30 to the day 60. Step S6: In the day 60, the sender's number (authenticated telephone number 91) of the above communication (step S4) is used as a key, and the authentication is performed from the subscriber information management database 70. The credit card number 73 of the user 50 corresponding to the completed telephone number 91 (mobile phone number 71) is obtained, and the card settlement information 80 entered in the above (step S4) is added. It is transmitted to the credit card company 10 as payment request information 100. The data center 60 is basically dedicated to the information transit point, and the user 50 enters the password settlement information 80 entered in the above (Step S 4) into the credit card number Ί 3 (and moves as necessary). Set this to the mobile phone number 7 1) and send it to Credit Card Company 10.

However, if the user 50 registers multiple cards for payment, the same caller ID (authorized phone number 91 (mobile phone A number of credit card numbers 73 will be searched from the numbers 71))). In addition, it is necessary to recognize the power company name 72 selected by the user 50 and select the correct credit card number 73 corresponding to the card company name 72.

The subscriber information management database 70 in the day 60 is the mobile information carrier 30 and the personal information of the user 50 provided by the credit card company 10. It is constructed based on information such as 74, mobile phone number 71, credit card number 73, card company name 72, etc., and is constantly updated.

It is desirable from the viewpoint of security to transmit information such as payment request information 100 from the data center 60 to the credit card company 10 by using a dedicated line connection.

Step S7: The data transmitted to the credit card company 10 is processed as usual, such as through credit confirmation, etc., to the CAT terminal etc. of the member store (product-service store 20) through a shared network such as CAFIS. It is distributed as sales information 110, etc. At this time, instead of the credit card number 73, an alternative number such as a mobile phone number 71 is transmitted from the credit card company 10 to the goods / service store 20 as information for confirming settlement. What is to be done is as described above. In addition, instead of the mobile phone number 71, the combination of the mobile phone number 71 and the credit card number 73 is stored in advance in the subscriber information management data base 70 instead of the mobile phone number 71. The credit phone ID (third identification information) that has been set for may be used. As a result, both the mobile phone number 71 and the credit card number 73 are not disclosed.

In other words, the sales information 110 delivered from the credit card company 10 to the goods and service store 20 is the mobile phone number 71, the purchase price 82, the payment method 83, together with the settlement approval number 111. , Other information 84, etc.

When credit card processing by credit card company 10 is completed, sales information 110 is distributed to CAT terminals and the like at member stores (goods and service stores 20), and at the same time, sales information 110 Can be sent back to the mobile device 40 of the user 50 from the data server 60. There may be cases where the result of credit confirmation etc. is transmitted regardless of approval / disapproval, or the result is transmitted only in the case of disapproval. Since these are related to the credit card company 10 product design, it is a function that should be added in response to the credit card company 10 request.

Step S8: At the member store (the product's service store 20), the sales processing is completed and the user 50 Perform identity verification. Replaced with conventional credit card number 73 Then, by displaying and printing the transmitted mobile phone number 71, it is possible to specify which user 50 and the transaction are to be settled, thereby preventing the credit card number 73 from being disclosed.

In addition, at the store of a congested object, a service store 20, etc., it is convenient to call the printed mobile device telephone number 71 and call the user 50 by ringing a ring tone or confirm it. As a result, the card settlement is completed, and the member store (goods service store 20) hands over the goods / services and the card usage copy to the user 50.

In addition, small-scale Internet mail-order vendors that do not have CAT terminals, etc., use communication methods such as e-mail and search on the homepage at merchandise stores that do not have CAT terminals. Then, instead of (Step S7), receiving payment information from the De-Isou Sen 60 or credit card company 10 to confirm payment from the user 50, etc. (Step S7) 8) The method of executing delivery of goods and services can be used.

Subsequent transfer of credits between the credit card company 10 and the member store (goods / service store 20) and settlement of funds between the credit card company 10 and the user 50 are performed in the same manner as before. .

As described above, according to the settlement method and the settlement system of the present embodiment, the credit card itself is divided into the credit card number by the normal communication operation to the data center 60 using the mobile device 40. It is possible to easily use the credit card payment system with a high security level by using the high distinctiveness of each mobile device 40 provided in the mobile communication network itself without using such a method. Become. This eliminates the risk of loss or theft by eliminating the need to carry a credit card, and eliminates the risk of card duplication and counterfeiting by enabling forced payment without disclosing the card number. It is possible to do.

Furthermore, by using the mobile device 40 instead of the credit card, it becomes unnecessary to issue the credit card itself, and it is possible to provide a credit service with a high security level quickly and at low cost.

Although the invention made by the inventor has been specifically described based on the embodiment, the present invention is not limited to the embodiment, and a scope that does not depart from the gist of the invention is described. Can be variously changed.

For example, the credit medium is not limited to credit cards, and can be applied to an instant payment system using a cash card. In that case, instead of the credit card number 73, the account number is registered and used in the subscriber information management data base 70.

Industrial applicability

ADVANTAGE OF THE INVENTION According to the settlement method of this invention, the effect that the convenience and high security settlement using the settlement system by a credit card can be performed is acquired.

ADVANTAGE OF THE INVENTION According to the settlement method of this invention, the effect that a credit card itself and an unauthorized use of a card number can be prevented reliably and highly secure settlement can be performed is obtained.

According to the settlement method of the present invention, it is possible to realize a secure and convenient settlement service quickly and at low cost without constructing a new large-scale credit system. Can be

ADVANTAGE OF THE INVENTION According to the settlement method of the present invention, there is obtained an effect that settlement with high security can be performed without the need to issue a credit medium such as a credit card.

ADVANTAGE OF THE INVENTION According to the settlement system of this invention, the effect that the convenience and the highly safe settlement using the settlement system by a credit card can be performed is acquired.

ADVANTAGE OF THE INVENTION According to the settlement system of this invention, the effect that the fraudulent use of a credit card itself and a security code is reliably prevented and the payment of high security can be performed is obtained.

ADVANTAGE OF THE INVENTION According to the settlement system of the present invention, there is obtained an effect that a secure and highly convenient settlement service can be realized quickly and at low cost without constructing a new large-scale credit system or the like. .

ADVANTAGE OF THE INVENTION According to the settlement system of this invention, the effect that high security settlement can be performed without having to issue credit media such as credit cards is obtained.

Claims

The scope of the claims

1. In a communication operation performed by the mobile communication terminal device, the settlement request information is transmitted to a credit system using a credit providing medium, and the credit system side transmits a first request unique to the mobile communication terminal device as a transmission source. The second identification information on the credit providing medium set in advance corresponding to the identification information is specified, and the second identification information is determined based on the settlement request information without using the credit providing medium itself. A settlement operation guaranteed by the credit providing medium specified in (1).

2. a step of associating the first identification information given to the mobile communication terminal device with the second identification information given to the credit providing medium and registering the same in the credit information management means; A step of notifying the credit information management means of the settlement request information by a communication operation by a terminal device;

Based on the first identification information of the source mobile communication terminal device recognized by the credit information management means in the communication operation, the first identification is performed without using the credit providing medium itself. Performing a settlement operation guaranteed by the credit providing medium specified by the second identification information registered corresponding to information;

A settlement method comprising:

3. In the settlement method according to claim 1 or 2,

The settlement method, wherein the settlement request information includes at least: transaction partner identification information individually assigned to a transaction partner who can use the credit transaction using the credit providing medium; and a transaction amount.

4. In the settlement method according to claim 2,

The settlement method, wherein the credit information management means performs the settlement operation by mediating the settlement request information to a credit service network operating the credit providing medium.

5. In the settlement method according to claim 1 or 2,

The mobile communication terminal device is a mobile phone; the first identification information is the mobile phone number; the credit providing medium is a credit card; and the second identification information is a credit card number. A settlement method characterized by that:

6. In the settlement method according to claim 1 or 2,

In the communication operation to the credit information management unit by the mobile communication terminal device for notifying the settlement request information to the credit information management unit, a user authentication operation for identifying an operator of the mobile communication terminal device is performed. Is executed.

7. In the settlement method according to claim 1 or 2,

Registering third identification information corresponding to the first and second identification information, the third identification information is specified by the mobile communication terminal device and the payment request information when the payment operation is performed. The first transaction confirmation method to confirm individual transactions by notifying both parties

In the settlement request information, in addition to the transaction partner identification information individually given to the transaction partner who can use the credit transaction using the credit providing medium, and the transaction amount, each of the credit By adding a transaction identification code for identifying a transaction to the credit system side and transmitting the transaction identification code to the transaction partner via the credit system at the time of executing the settlement operation, A second transaction confirmation method that confirms individual transactions,

Notifying the trading partner of the mobile phone number, which is the first identification information grasped by the credit system when receiving the payment request information from the mobile communication terminal device, at the time of executing the payment operation, The other party calls the mobile phone number, specifies the mobile communication terminal device that is the source of the settlement request information and the operator of the mobile communication terminal device, and confirms each transaction. A settlement method characterized by using any one of the following transaction confirmation methods.

8. A credit service network for performing settlement using a credit providing medium, a mobile communication network using a mobile communication terminal device, and the mobile communication network interposed between the credit service network and the mobile communication network. A credit information managing means for managing the first identification information given to the terminal device in association with the second identification information given to the credit granting medium, and performing a communication operation by the mobile communication terminal device The settlement request information is transmitted to the credit information management means at the credit information management means, based on the first identification information of the source mobile communication terminal device recognized by the communication operation. The credit providing medium is specified by the second identification information registered corresponding to the first identification information, and A settlement system, wherein a settlement operation based on the settlement request information guaranteed by the credit providing medium is performed by the credit service network.

9. In the settlement system according to claim 8,

The settlement system, wherein the settlement request information includes at least: transaction partner identification information individually assigned to a transaction partner who can use the credit transaction using the credit providing medium; and a transaction amount.

10. The settlement system according to claim 8, wherein:

The credit providing medium is a credit card, the mobile communication terminal is a mobile phone, the first identification information is a mobile phone number, and the second identification information is a credit card number. Characteristic payment system.

1 1. In the settlement system according to claim 8,

Registering third identification information corresponding to the first and second identification information, and executing the payment operation, the third identification information is specified by the mobile communication terminal device and the payment request information. A settlement system characterized by confirming each transaction by notifying both parties.