WO2001082152A1

WO2001082152A1 - Purchasing sum settling method

Info

Publication number: WO2001082152A1
Application number: PCT/JP2001/003042
Authority: WO
Inventors: Takashi Fujimoto
Original assignee: Takashi Fujimoto
Priority date: 2000-04-20
Filing date: 2001-04-09
Publication date: 2001-11-01
Also published as: JP2002312705A; AU2001248745A1

Abstract

At first, a purchasing amount is inputted to a sales administering device (2). Next, the purchaser operates the control input portion of a mobile telephone (1) to input password data. The control portion of the mobile telephone (1) collates the inputted password data with those stored in advance in the memory portion. If the password data coincide, the telephone number of the purchaser, as stored in the storage portion of the mobile telephone (1), is displayed as codes in the display portion. The clerk of a member shop reads the codes of the display portion of the mobile telephone (1) with a reader portion. The code data (or the person-specific information), as read, are transmitted together with the commodity price and the member shop codes from the transmission portion of the sales administering device (2) to an account-specific computer (3) over a line (5). The account-specific computer (3) specifies transfer data on the basis of the database stored in storage means, and instructs a settling computer (4) the transfer. In this purchasing amount settling method, the security is sufficiently ensured.

Description

Statement Purchase amount settlement method Technical field

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method of settlement of a purchase amount of a product (this product includes a service), and more particularly to a method of settlement of a purchase amount that does not require a cash transfer at a member store. Background art

When a buyer purchases a product, a credit card / debit card may be used as a means to settle the purchase amount without transferring cash at the store.

When a credit card is used, when purchasing a product, the customer presents a credit card at the store where data identifying the customer (such as data identifying a bank account for settlement of the purchase amount) is magnetically recorded. . The clerk reads the magnetic data of the credit card using a card reader, and inputs the purchase amount using a keyboard attached to the card reader. The clerk also checks the signature made by the buyer against the signature already on the credit card. After these processes are performed, the computer system including the computer of the credit company connected to the card reader via a public telephone line and the computer of the bank issues a transfer instruction of the purchase amount and the like. In this case, the processing at the store and the payment of the actual purchase price are performed on different days.

When a debit card is used, when purchasing a product, the data identifying the buyer (such as data identifying the bank account that will settle the purchase amount, etc.) ) Presents a magnetically recorded debit card at the store. The clerk reads the magnetic data of the debit card using a card reader, and inputs the purchase amount using a keyboard attached to the force reader. Then, the purchaser inputs a password using the above-mentioned keyboard or the like. After these processes are performed, the purchase amount is confirmed and the purchase amount is paid immediately by a bank computer connected to the card reader via a public telephone line. Disclosure of the invention

When a credit card is used, since data for identifying an individual is magnetically recorded on the credit card, it is easy for a third party to know this data. In addition, signature verification at stores may not have been performed reliably, and even when verification is performed, verification errors may occur due to verification performed by clerks who do not have specialized knowledge of verification. There is. Furthermore, the security of the card reader is not sufficient. Therefore, there is a possibility that the security of the buyer is not sufficiently secured, and the credit card is forged or illegally used, causing unexpected damage.

Even when a debit card is used, the data identifying the individual is magnetically recorded on the debit card, so that it is easy for a third party to know this data. Also, it is easy for a third party to know this password when entering the password at the store. Furthermore, the security of the card reader is not sufficient. Therefore, forgery or fraudulent use of the debit card may occur, which may also cause unexpected damage. In particular, when a debit card is used, the purchase price is settled immediately, so once forged or misused, It is almost impossible to prevent the occurrence of damages based on this.

The present invention has been made in view of such a problem, and an object of the present invention is to provide a purchase price settlement method in which security is sufficiently ensured.

The invention made to achieve the above object is a purchase amount settlement method including the following steps S1 to S5.

S1: a display step in which the personal identification information of the purchaser who owns the account and the mobile phone is encoded and displayed on the display unit of the mobile phone;

52: a reading step in which the encoded personal identification information is read by the sales management device of the member store;

53: a transmission step in which the personal identification information is transmitted from the sales management computer to the account identification computer through a line together with the purchase amount information of the product purchased by the buyer;

54: Account identification step where this account identification computer identifies the buyer's account based on personal identification information

as well as

55: Transfer instruction step in which the transfer of the purchase amount from this account is instructed by the account identification computer.

In this purchase price settlement method, a mobile phone with high attribution to the owner is used for personal authentication. Since mobile phones are used by users on a daily basis, even if they lose their mobile phones, they often become aware of it in a relatively short time. Therefore, unlike a credit card / debit card, the user does not notice the loss for a long time, and the damage caused by unauthorized use during that time does not increase. In addition, since authentication is performed using encoded personal identification information, the possibility of leakage of personal identification information is low. Preferably, this method of settlement of the purchase amount includes, before the displaying step (S 1), a so-called secret data input step in which the purchaser enters secret data into the mobile phone.

Is further provided. In the display step (S1), the coded personal identification information is displayed on the display unit on condition that the entered authentication data matches the password data stored in the mobile phone. Is done. This prevents the abuse of the mobile telephone by others.

Preferably, the purchase amount settlement method includes:

S6: The method further includes a completion notification step in which the completion of the transfer or the completion of the credit act related to the transfer is notified from the account specifying computer to the sales management device via a line. With this notification, the buyer and the member store can confirm the transfer etc. on the spot.

Preferably, the purchase price is collected from the purchaser in cooperation with the automatic telephone payment system to which the purchaser subscribes. That is, the purchase price is collected together with, for example, monthly telephone charges. This can be done through existing infrastructure.

This purchase amount settlement method includes:

A reader unit for reading personal identification information encoded and displayed on a display unit of a mobile telephone owned by a purchaser;

A sales management device including a transmission unit for transmitting the read personal identification information to the account identification computer through a line together with the purchase price information of the product purchased by the buyer is preferably used. BRIEF DESCRIPTION OF THE FIGURES

Fig. 1 is a conceptual diagram of the purchase price settlement method according to one embodiment of the present invention. FIG. 2 is a flowchart showing the purchase price settlement method of FIG. 1, and FIG. 3 is a conceptual diagram of the purchase price settlement method according to another embodiment of the present invention. BEST MODE FOR CARRYING OUT THE INVENTION

Hereinafter, the present invention will be described in detail based on preferred embodiments with reference to the drawings as appropriate.

FIG. 1 is a conceptual diagram of a purchase price settlement method according to an embodiment of the present invention. This figure shows a mobile phone 1 as a mobile phone, a sales management device 2 of a member store, an account identification computer 3 of a data center 1, and a settlement computer 4 of a bank. The user of the mobile phone 1 is a purchaser who purchases a product using the purchase price settlement system. The mobile phone 1 includes a transmission / reception unit, a control unit, a speaker, an operation input unit (numeric keys, a touch panel, and the like), a microphone, a storage unit, and the like. The storage unit stores the purchaser's telephone number and password data. The storage of the telephone number and the password data is performed by the mobile phone company before the mobile phone 1 is provided to the user. The storage unit is made of a memory (ROM) in which arbitrary writing is impossible. Therefore, a person who finds or steals the mobile phone 1 cannot rewrite the telephone number and the password data. In addition, it is preferable that the mobile phone 1 is configured so that a person who has found or stolen the mobile phone 1 cannot read the password data.

The mobile phone 1 also has a display unit. The display unit has a sign display function. Examples of the code include a bar code, a two-dimensional code obtained by extending the bar code two-dimensionally, a code obtained by adding color information to the bar code, and the like. Merchants offer products to their customers. This merchant includes not only those who sell tangible goods, but also those who provide services. The merchant joins the purchase price settlement system by paying a franchise fee. Examples of franchisees include convenience stores. The sales management device 2 owned by the member store includes a leader unit and a transmission unit. An example of the sales management device 2 is a POS. The storage unit (hard disk, etc.) of the account identification computer 3 in the data center stores the correspondence between the telephone number of the buyer and the deposit account opened in the bank. The database to be created is stored. This database is created based on the contents of the automatic payment request form submitted by the buyer to the mobile phone company at the time of contract. The account identification computer 3 also stores a database that associates member store codes with member store accounts.

The bank has a buyer's savings account. Further, the settlement processing computer 4 of the bank holds the charging instruction for the deposit account, determines whether or not the payment corresponding to the charging instruction is possible, and reports whether or not the payment is possible to the charging instruction source. The sales management device 2 and the account identification computer 3 are connected via a wired or wireless line 5 (preferably a dedicated line). The account identification computer 3 and the settlement processing computer 4 are also connected via a wired or wireless line 6 (preferably a dedicated line).

FIG. 2 is a flowchart showing the method of settlement of the amount shown in FIG. 1 in FIG. In this purchase price settlement method, first, the price of the product purchased by the buyer is input to the sales management device 2 of the member store (STP1). The purchaser who has agreed to this price operates the operation input unit of his / her mobile phone 1 and inputs personal identification data (STP 2). The control unit of the mobile phone 1 The data is compared with the password data stored in the storage unit in advance (STP 3). If the password data does not match, a message to that effect is displayed on the display unit of the mobile phone 1 to prompt the user to re-enter the password (STP 4). Note that the mobile phone 1 may be configured such that when the incorrect input of the password data reaches a predetermined number of times (for example, three times), the subsequent input is blocked. The collation of the password data prevents the non-owner of the mobile phone 1 from being misused. In addition, when the purchaser inputs the authentication data, the mobile phone 1 is configured so that only the number of digits of the input data is displayed by a symbol such as an asterisk.

-It is preferable from the viewpoint of preventing the leakage of data.

When the correct input of the password data is performed, the purchaser's telephone number stored in the storage unit is displayed on the display unit as a code (STP5). Of course, the telephone number may be entered each time by the buyer, but even in this case, the matching of the password data is a condition for displaying the code. The telephone number is used as personal identification information. Of course, an individual may be identified by data other than the telephone number (for example, telephone subscription ID).

The clerk at the member store reads the sign on the display of the mobile phone 1 with a part of the reader (STP 6). The read code data (that is, the telephone number which is the personal identification information) is transmitted from the transmission unit of the sales management device 2 to the account identification computer 3 through the line 5 together with the purchase amount and the member store code (STP 7). .

The calculation means (CPU) of the account specifying computer 3 specifies the transfer data based on the database stored in the storage means (STP 8). The transfer data includes the buyer's deposit account (bank name, branch name, account number, etc.), the payment account of the merchant, and the transfer amount (ie, the price of the product). The buyer's savings account is identified based on the telephone number. Merchant payment accounts are identified based on the merchant code. Next, the account identification computer 3 transmits the transfer data to the payment processing computer 4 of the bank through the line 6 and issues a transfer instruction (STP 9). The calculating means of the settlement processing computer 4 receiving the transfer instruction confirms the balance of the deposit account of the purchaser and determines whether or not the transfer is possible based on the confirmation (STP10). If the transfer is not possible due to lack of balance or the like, the settlement processing computer 4 notifies the member store via the lines 6 and 5 (STP 11). If the transfer is possible, the payment processing computer 4 transfers to the member store's bank (not shown) (STP12).

After the transfer is completed, the settlement processing computer 4 immediately sends a transfer completion notice to the member store via the lines 6 and 5 (STP 13). In this way, the clerk at the member store hands the goods to the buyer on the spot.

In this purchase amount settlement method, transactions are made through secure lines 5 and 6, so that transactions are performed safely. Therefore, there is little need for information encryption or the like, for example, as in the case of electronic payment using the Internet.

The mobile phone 1 may be configured so that the purchaser can input the password of the bank account from the operation input unit. This password is also encoded and displayed on the display unit, read by a part of the reader of the sales management device 2, and transmitted to the payment processing computer 4 through the account specifying computer 3. Settlement processing The password transmitted by the computer 4 is compared with a password stored in advance, and transfer is performed only when the passwords match. If a bank account password is entered, collation of personal identification data (STP 3) on mobile phone 1 is not required. Of course, higher security can be achieved by performing both the collation of the password data on the mobile phone 1 and the password collation by the payment processing computer 4. Also, if the password data and the password of the bank account are You may.

The mobile phone 1 may be configured so that the purchaser can also input the purchase price from the operation input unit. This purchase price is also encoded and displayed on the display unit, and read by the reader unit. Then, the sales management device 2 determines whether the read amount matches the amount input to the sales management device 2 by the sales clerk 2, and data is transmitted to the account identification computer 3 only when both match. The sales management device 2 is configured. This prevents the purchaser from unintentionally purchasing a high-priced product by mistake.

If not only the phone number but also the pass or purchase amount of the bank account is encoded and displayed on the display unit, the code may be displayed in two or three columns, and the display unit screen is displayed. Scrolling may be performed, and each code may be displayed on a different page. Also, a plurality of pieces of information may be combined to form one code.

When the account specifying computer 3 receives the data from the sales management device 2, it does not immediately issue a transfer instruction to the payment processing computer 4, and determines whether the account specifying computer 3 can provide credit to the buyer. Is also good. If it is determined that credit is possible, the data center performs a credit act. When this credit act is completed, the fact is notified to the sales management device 2 through the line 5. Transfers from bank accounts are made, for example, by summing up all purchase amounts every month. The purchase price may be transferred along with the telephone charges collected by the mobile phone company to which the purchaser subscribes from the purchaser. That is, the collection of the purchase price may be performed in cooperation with the automatic telephone payment system. In this case, the data center and the mobile phone company need to cooperate or become one.

The credit act may be performed by a credit company. In this case, there is a talent company between the data center and the bank in Figure 1. I do. Alternatively, the data center and the credit company may be combined.

The merits of the merchant in this payment amount settlement method are (1) expansion of business opportunities,

(2) No need for credit

And the like. Therefore, the operator of this system can collect franchise fees from franchisees commensurate with this advantage. This membership fee may be credited to the operator and all or part of it may be used to discount buyer telephone charges. Discounts are usually made according to the purchase price, the frequency of use of the mobile phone 1, and the like. The reduction in call charges due to discounts contributes to the spread of mobile phones 1 to low-income and elderly people, and is useful for improving welfare. One example is the enhancement of added value of mobile phone services. The increase in mobile phone subscribers is expected due to the combination of purchase price settlement and call service. The benefits that buyers receive in this purchase amount settlement method are:

(1) Product purchases are made safer by improving security,

(2) Eliminates the need for cash transfer at stores

(3) Discount on telephone charges

And the like.

FIG. 3 is a conceptual diagram of a purchase price settlement method according to another embodiment of the present invention. As shown in FIG. 1, this figure shows a mobile phone 1, a sales management device 2 of a member store, an account identification computer 3 of a data center 1, and a settlement computer 4 of a bank. The figure also shows dealer 7. The store 7 and the buyer are connected by a line 8 such as the Internet. Also, the retailer 7 and the account identification computer All three are connected by line 9.

In this purchase amount settlement method, a purchaser first places an order for goods to a store 7 through a line 8. In response to this, the store 7 sends the slip to the buyer through the line 8. This slip shows the purchase amount, transaction code, store code, and the like. Preferably, this information is encoded and displayed. The buyer prints the slip on a printer. Of course, the slip may be delivered to the buyer by mail or other means.

The buyer brings the slip and the mobile phone 1 to the member store. The clerk of the member store reads the purchase amount, transaction code and store 7 code indicated on the slip by the sales management device 2. In the franchise, the personal identification information displayed on the mobile phone 1 is also read by the sales management device 2 in the same manner as in the purchase price settlement method shown in FIG. These pieces of information are transmitted to the account identification computer 3 via the line 5.

The account specifying computer 3 specifies the transfer data in the same manner as the purchase amount settlement method shown in FIG. Then, a transfer is instructed to the settlement processing computer 4 through the line 6. After the transfer is completed, a notification to that effect is sent from the settlement computer 4 to the account identification computer 3 via the line 6. The account specifying computer 3 specifies the store 7 based on the store code, and notifies the store 7 of the completion of the transfer via the line 9. At this time, the transaction code is also notified. The store 7 receiving the transfer completion notification sends the goods to the buyer through the courier service. Also in this purchase amount settlement method, since the mobile phone 1 having a high attribute to an individual is used for authentication, transaction safety is ensured.

Information such as a purchase amount, a transaction code, and a store code provided from the store to the purchaser through the line 8 may be input to the mobile phone 1 as electronic data. In this case, at the member store, this information is It is transmitted from the talker 1 to the sales management device 2.

In this purchase price settlement method, similarly to the purchase price settlement method shown in FIG. 1, the purchase price may be collected in cooperation with the automatic telephone charge payment system. In addition, credit activities by credit companies and the like may be performed.

Although the present invention has been described in detail by taking the case where the mobile phone 1 is used as an example, mobile phones such as a PHS terminal, a car phone, and a personal digital assistant (PDA) having a telephone function can be purchased in the same manner. It can be used for money settlement. Industrial applicability

As explained above, the method of settlement of the purchase amount of the present invention is useful for online settlement.

Claims

The scope of the claims

1. a display step in which the personal identification information of the purchaser who owns the account and the mobile phone is encoded and displayed on the display of the mobile phone;

A reading step in which the encoded personal identification information is read by the sales management device of the member store;

A transmission step in which this personal identification information is transmitted from the sales management device to the account identification computer via the line together with the purchase price information of the product purchased by the buyer;

An account identification step in which the account identification computer identifies the buyer's account based on the personal identification information;

A transfer instruction step in which transfer of the purchase amount from this account is instructed by an account identification computer, and

Including the purchase amount settlement method.

2. Before the displaying step, a password data input step is further provided for the buyer to input password data to the mobile phone,

The method according to claim 1, wherein, in the displaying step, the personal identification information encoded on the condition that the entered password data matches the password data stored in the mobile phone is displayed on the display unit. Purchase amount settlement method.

3. The purchase amount settlement method according to claim 1, further comprising a completion notification step of notifying the sales management device of the completion of the transfer or the completion of the credit act related to the transfer via a line from the account specifying computer.

4. The method of claim 1, wherein the purchase price is collected from the purchaser in cooperation with an automatic telephone charge payment system to which the purchaser subscribes.

5. A part of the reader that reads personal identification information encoded and displayed on the display of the mobile phone owned by the buyer, A sales management device comprising: a transmission unit that transmits the read personal identification information to the account identification computer through a line together with the purchase price information of the product purchased by the buyer.