WO2001097118A1

WO2001097118A1 - Settling method using mobile phone and mobile phone

Info

Publication number: WO2001097118A1
Application number: PCT/JP2001/005039
Authority: WO
Inventors: Takako Jogu; Sadayuki Atae
Original assignee: Takako Jogu; Sadayuki Atae
Priority date: 2000-06-14
Filing date: 2001-06-13
Publication date: 2001-12-20
Also published as: AU2001264274A1; JP4901053B2; JPWO2001097118A1

Abstract

A virtual account (110) is opened in a mobile phone firm (10) for each user (12) of a mobile phone (13). A user (12) deposits advance payment in a virtual account (110) using a mobile phone (13). Advance payment is paid in combination with telephone charges or by means of a credit card or a debit card. A balance of a virtual account is stored in a mobile phone (13). When shopping at a virtual store on the Internet, the phone number of a mobile phone (13) is transmitted, and , when shopping at a real store, the phone number is sent to a POS terminal. Each store bills a settlement amount to a mobile phone firm. Therefore, settlement can be made with high security and simplicity by using a mobile phone.

Description

Payment method using mobile phone and mobile phone

The present invention relates to a mobile phone and a payment method using the mobile phone, and more particularly, to a service for mediating payment in a virtual store or a real store on the Internet. Background art

At present, various settlement methods using mobile phones have been proposed. Nikkei Elect Exit Nitas "Mobile Payment" No. 769, published by Nikkei Business Publications, Inc. (May 8, 2000), page 109-129, mobile phone with IC card Is described. In this mobile phone, a credit card number is preliminarily recorded on an IC card in a secure state, and the credit card number is encrypted and transmitted at the time of payment. It also describes a mobile phone equipped with a reader / writer for a contactless IC card. This mobile phone downloads electronic value, such as the frequency of a prepaid card, and transfers it via a reader / writer to a contactless IC card via wireless. Users make payments using this contactless IC card.

The mobile phone equipped with the IC card encrypts the credit card number, but it still transmits the credit card number, so it cannot be said that the e-commerce on the Internet is sufficient security.

On the other hand, with a mobile phone equipped with the above reader / writer, the user must carry a contactless IC card with the mobile phone. Also, the reader Z writer has many problems such as its large size and high cost.

In addition, various settlement methods using mobile phones have been proposed, but all require credit reference at the time of settlement or transmission of settlement data, so it is necessary to skip the radio wave at the time of settlement. , Cannot be used outside the radio range, and time There is a problem that it takes. Disclosure of the invention

The present invention has been made in order to solve the above problems, and an object of the present invention is to provide a mobile phone with high security and ease of use and a settlement method using the mobile phone.

The settlement method using a mobile phone according to the present invention is a method of mediating settlement between a seller and a buyer who is a user of the mobile phone, and provides an account for accumulating user money for each user. Receiving the amount sent from the mobile phone, depositing the received amount into the user's account and updating the balance of the account, and transmitting the updated balance of the account to the mobile phone. And receiving the payment amount, subtracting the received payment amount from the account balance, and paying the received payment amount to the seller. The server computer here can be installed in a mobile phone office (company), a financial institution (company), a payment institution (company), etc., but its position is not particularly limited.

On the other hand, the mobile phone according to the present invention is a mobile phone used for settlement between a seller and a buyer who is a user of the mobile phone, and an account for storing the user's money is stored in the server computer for each user. A means for inputting a desired amount to be deposited into an account in response to a user operation, and transmitting the entered amount to a computer of a mobile telephone station, and a balance of a virtual account transmitted from a server computer. And a means for storing the balance of the received account.

According to the settlement method or the mobile phone, the user uses the mobile phone to transmit a desired amount to the financial institution or the settlement institution through the mobile phone station or the mobile phone station. The mobile phone bureau, financial institution or clearing house receives the amount sent from the mobile phone, deposits the amount into the user's account, updates the balance in the account, and sends it to the mobile phone. The mobile phone receives and stores the account balance transmitted from the mobile phone office. Therefore, the user can make a payment using a mobile phone like a wallet. Here, there is no need to send a credit number or the like, so the security is high. Also, there is no need to carry an IC card etc. Good. BRIEF DESCRIPTION OF THE FIGURES

FIG. 1 is a schematic diagram showing a fund transfer in the case where a prepaid amount to be paid into a virtual account is paid together with a call charge according to the first embodiment of the present invention.

FIG. 2 is a schematic diagram showing the transfer of funds when a prepayment amount to be paid into a virtual account is paid by a credit card according to the first embodiment of the present invention.

FIG. 3 is a schematic diagram showing the transfer of funds in the case where a prepaid amount to be paid into a virtual account is paid by a debit card according to the first embodiment of the present invention.

FIG. 4 is a schematic diagram showing the transfer of funds in the case where the prepaid amount for depositing into the virtual account is automatically deducted from the bank account according to the first embodiment of the present invention.

FIG. 5 is a schematic diagram showing a method for making a payment at a virtual store on the Internet using a mobile phone according to the first embodiment of the present invention.

FIG. 6 is a schematic diagram showing a method for making a payment at a real store using a mobile phone according to the first embodiment of the present invention.

FIG. 7 is a block diagram showing a hardware configuration of a mobile phone and a server of a mobile phone company used for depositing a prepayment into a virtual account as shown in FIGS.

FIG. 8 is a flowchart showing the operation of the mobile phone and the server of the mobile phone company shown in FIG. 7 in the case shown in FIG.

FIG. 9 is a transition diagram of a screen displayed during the operation of the mobile phone shown in FIG. FIG. 10 is a flowchart showing the operation of the server of the mobile phone and the mobile phone company shown in FIG. 7 in the case shown in FIG.

FIG. 11 is a transition diagram of a screen displayed during operation of the mobile phone shown in FIG.

FIG. 12 is a flowchart showing the operation of the mobile phone and the server of the mobile phone company shown in FIG. 7 in the case shown in FIG.

FIG. 13 is a transition diagram of a screen displayed during the operation of the mobile phone shown in FIG. FIG. 14 is a flowchart showing the operation of the mobile phone and the server of the mobile phone company shown in FIG. 7 in the case shown in FIG.

FIG. 15 is a transition diagram of a screen displayed during the operation of the mobile phone shown in FIG. FIG. 16 shows a mobile phone, a server of a mobile phone company, a personal computer, and a virtual store used when making a payment using a mobile phone at a virtual store on the Internet according to the first embodiment of the present invention. FIG. 3 is a block diagram illustrating a hardware configuration of the server.

FIG. 17 is a flowchart showing the operation of the personal computer, the mobile phone, the server of the mobile phone company, and the server of the virtual store shown in FIG. 16 in the case shown in FIG.

FIG. 18 is a flowchart following FIG.

FIG. 19 is a transition diagram of a screen displayed while the mobile phone shown in FIGS. 17 and 18 is operating.

FIG. 20 is a block diagram showing a hardware configuration of a mobile phone, a mobile phone company server, and a POS terminal of a real store used in the case shown in FIG. FIG. 21 is a flowchart showing the operation of the mobile phone shown in FIG. 20, the POS terminal of a physical store, and the server of the mobile phone company.

FIG. 22 is a flowchart following FIG. 21.

FIG. 23 is a transition diagram of a screen displayed during the operation of the mobile phone shown in FIGS. 21 and 22.

FIG. 24 is a diagram showing information stored in RAM and ROM of the mobile phone. FIG. 25 is a schematic diagram showing fund transfer when transferring from a real account to a virtual account according to the second embodiment of the present invention.

FIG. 26 is a block diagram showing a hardware configuration of a mobile phone, a server of a mobile phone company, and a server of a financial institution used for transfer from a real account to a virtual account as shown in FIG.

FIG. 27 is a flowchart showing the operation of the mobile phone, the server of the mobile phone company, and the server of the financial institution shown in FIG. 26 in the case shown in FIG. FIG. 28 is a flowchart following FIG. 27. FIG. 29 is a transition diagram of a screen displayed during the operation of the mobile phone shown in FIGS. 27 and 28.

FIG. 30 is a schematic diagram showing a method for making a payment at a virtual store on the Internet using a mobile phone according to the second embodiment of the present invention.

Figure 31 shows the hardware configuration of the personal computer, mobile phone, mobile phone company server, financial institution server, payment institution server, and virtual store server used in the case shown in Figure 30. It is a block diagram.

FIG. 32 is a flowchart showing the operation of the personal computer shown in FIG. 31, the mobile phone, the server of the mobile phone company, the server of the virtual store, and the server of the financial institution shown in FIG.

FIG. 33 is a flowchart following FIG.

FIG. 34 is a flowchart following FIG. 33.

FIG. 35 is a transition diagram of a screen displayed during the operation of the mobile phone shown in FIGS. 32 to 34.

FIG. 36 is a schematic diagram showing a method of making a payment at a real store using a mobile phone according to the second embodiment of the present invention.

Figure 37 shows the hardware configuration of the mobile phone, the P〇S terminal of the physical store, the server of the mobile phone company, the server of the financial institution, and the server of the payment institution used in the case shown in Figure 36 It is a block diagram.

FIG. 38 is a flowchart showing the operation of the mobile phone, the POS terminal, the server of the mobile phone company, and the server of the financial institution shown in FIG. 37 in the case shown in FIG.

FIG. 39 is a flowchart following FIG.

FIG. 40 is a flowchart following FIG.

FIG. 41 is a schematic diagram showing a method for registering service user information according to the third embodiment of the present invention.

FIG. 42 is a schematic diagram showing fund transfer when a prepaid amount is deposited in a virtual account according to the third embodiment of the present invention.

FIG. 43 shows a mobile phone according to the third embodiment of the present invention. FIG. 5 is a schematic diagram showing a method of making a payment at a temporary store 5 on the Internet.

FIG. 44 is a schematic diagram showing a method of making a payment at a real store using a mobile phone according to the third embodiment of the present invention.

FIG. 45 is a schematic diagram showing a method in which a clearing house requests a user for unreported data stored in a mobile phone according to the third embodiment of the present invention. FIG. 46 is a schematic diagram showing a method in which a clearing house acts as a proxy for a financial institution when making a payment at a virtual store on the Internet using a mobile phone according to the third embodiment of the present invention.

FIG. 47 is a block diagram showing a hardware configuration of a server of a mobile phone, a mobile phone company, and a server of a settlement institution used for use registration shown in FIG. FIG. 48 is a flowchart showing the operation of the mobile phone, the server of the mobile phone company, and the server of the payment institution shown in FIG. 47 in the case shown in FIG. FIG. 49 is a block diagram showing a hardware configuration of a mobile phone, a server of a mobile phone company, a server of a payment institution, and a server of a financial institution used for transferring funds to the virtual account shown in FIG.

50 is a flowchart showing the operation of the mobile phone, the server of the mobile phone company, and the server of the settlement institution shown in FIG. 49 in the case shown in FIG. FIG. 51 is a flowchart following FIG.

FIG. 52 is a flowchart following FIG.

Fig. 53 is a block diagram showing the hardware configuration of a personal computer, a mobile phone, a server of a mobile phone company, a server of a payment institution, and a server of a virtual store used for settlement at the virtual store shown in Fig. 43. It is.

FIG. 54 is a flowchart showing the operations of the personal computer shown in FIG. 53, the mobile phone, the server of the mobile phone company, the server of the settlement institution, and the server of the virtual store in the case shown in FIG.

FIG. 55 is a flowchart following FIG.

FIG. 56 is a flowchart following FIG.

Figure 57 shows the hardware configuration of the mobile phone, POS terminal, server of the mobile phone company, and server of the payment institution used in the settlement at the real store shown in Figure 44. FIG.

FIG. 58 is a flowchart showing the operation of the mobile phone, the POS terminal, the server of the mobile phone company, and the server of the payment institution shown in FIG. 57 in the case shown in FIG.

FIG. 59 is a flowchart following FIG.

FIG. 60 is a flowchart following FIG.

FIG. 61 is a flowchart showing the operation of the mobile phone, the server of the mobile phone company, and the server of the settlement institution in the case of the request for the unreported data shown in FIG.

Figure 62 shows the hardware configuration of the personal computer, mobile phone, mobile phone company server, payment institution server, financial institution server, and virtual store server used for the billing agent shown in Figure 46. It is a block diagram shown.

Figure 63 shows the personal computer shown in Figure 62, the mobile phone, the server of the mobile phone company, the server of the payment institution, the server and virtual of the financial institution, and the store in the case shown in Figure 46. This is a flowchart showing the operation of the server # 1.

FIG. 64 is a flowchart following FIG.

FIG. 65 is a schematic diagram showing a prepayment method according to the fourth embodiment of the present invention. FIG. 66 is a flowchart showing the operation of the mobile phone, the server of the mobile phone company, and the server of the settlement institution in the case shown in FIG.

FIG. 67 is a flowchart following FIG.

FIG. 68 is a conceptual diagram showing a first remittance method according to the fourth embodiment of the present invention.

FIG. 69 is a flowchart showing the operation of the personal computer, the mobile phone, the server of the mobile phone company, the server of the payment institution, and the server of the virtual store in the case shown in FIG.

FIG. 70 is a flowchart following FIG.

FIG. 71 is a conceptual diagram showing a second remittance method according to the fourth embodiment of the present invention.

Figure 72 shows a personal computer and mobile phone in the case shown in Figure 71. This is a flow chart showing the operation of a server, a mobile phone company server, a payment institution server, and a virtual store server.

FIG. 73 is a flowchart following FIG.

FIG. 74 is a conceptual diagram showing a method of issuing a one-time ID when there is no retail settlement according to the fourth embodiment of the present invention.

FIG. 75 is a conceptual diagram showing a method of issuing a one-time ID when there is a retail settlement history according to the fourth embodiment of the present invention.

FIG. 76 is a flowchart showing the operations of the mobile phone, the server of the mobile phone company, and the server of the settlement institution in the case shown in FIGS. 74 and 75. FIG. 77 is a flowchart following FIG.

FIG. 78 is a conceptual diagram showing a method of making a payment at a physical store using a one-time ID according to the fourth embodiment of the present invention.

FIG. 79 is a flowchart showing the operation of the mobile phone, the POS terminal of the actual store, and the server of the settlement institution in the case shown in FIG. BEST MODE FOR CARRYING OUT THE INVENTION

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In the drawings, the same or corresponding portions have the same reference characters allotted, and description thereof will not be repeated.

[First Embodiment]

1. Service Overview

An embodiment of the present invention relates to a combi- ter system for realizing a new service (called "wallet service", hereinafter simply referred to as "this service") provided by a mobile phone company. This service enables mobile phones to be used like wallets. The outline of this service is described below.

When purchasing a mobile phone, register the credit card number, cash card number, etc., with the mobile phone company, in addition to the bank account from which the call charges are deducted. Mobile phone companies set up virtual accounts for each mobile phone user. The user uses a mobile phone to request the mobile phone company to deposit the prepayment into the virtual account before settlement. The mobile phone company has pre-registered bank accounts, credit card numbers, cash Request a prepayment to the user using the code number. The method of payment of the prepayment can be selected by the user. After requesting the prepayment, the mobile phone company deposits the prepayment into the virtual account and transmits the balance of the virtual account to the mobile phone. The mobile phone stores the transmitted balance of the virtual account. Users use this mobile phone instead of a wallet to make payments at virtual or real stores on the Internet. The store bills the mobile phone company.

2. Payment method of prepayment

Next, the following four payment methods are described.

2-1. When paying together with the call charge

Figure 1 is a schematic diagram showing the transfer of funds when paying a prepayment together with a call charge. As shown in FIG. 1, a mobile phone company (mobile phone bureau) 10 has a personal information database 11. In the personal information database 11, personal information of each user 12 is registered. Specifically, a virtual account 110 is provided to accumulate prepayments (for mobile phone companies, advance payments). In addition to the phone number of the mobile phone 13, an electronic mail address, password, usage status, key Codes, account numbers, credit card numbers, debit card numbers, etc. are registered in advance.

First, the user 12 uses the mobile phone 13 to transmit the desired prepaid amount and the payment method (here, “added to the call charge”) to the mobile phone company 10. At this time, the telephone number of the mobile phone 13 is also transmitted.

The mobile phone company 10 searches the personal information database 11 based on the transmitted mobile phone number, and queries the usage status of the virtual account 110 of the user 12. If the user 12 has no problem (if the usage status is “OK”), the mobile phone company 10 adds the transmitted prepayment amount to the unpaid balance of the virtual account 110 and updates the updated Send the advance balance. On the other hand, if the payment of User 1 or 2 has been delayed or the use of this service has been suspended, the usage status is “NG”. In this case, the mobile phone company 10 notifies the user 12 via the mobile phone 13 that the service cannot be used.

If the user 1 2 selects “Add to call charge” as the payment method as described above, the mobile phone company 10 will use the service fee together with the basic charge and the call charge invoice 14. Send the business statement 15 to the user 12.

The mobile phone company 10 requests the bank 12 of the user 12 to deduct the usage fee based on the account number registered in the personal information database 11. In response, bank 17 transfers funds from account 16 of user 12 to account 19 of mobile phone company 10 established at bank 18.

2-2. Payment by credit card

Figure 2 is a schematic diagram showing the transfer of funds when the prepayment is paid by credit card. In this case, as shown in FIG. 2, the user 12 uses the mobile phone 13 to transmit the prepaid amount and the payment method (here, “credit card”) to the mobile phone company 10.

If there is no problem with the usage status of the user 12, the mobile phone company 10 requests approval from the credit company 20 based on the credit card number registered in advance. The credit sales company 20 notifies the mobile phone company 10 if it can be approved. In response, the mobile phone company 10 updates the advance balance of the virtual account 110 and transmits the latest advance balance to the mobile phone 13. On the other hand, if the approval cannot be made, the credit company 20 notifies the mobile phone company 10 of the fact. In response, the mobile phone company 10 notifies the user 12 that the payment by credit card cannot be performed without updating the advance balance.

If the payment is approved, the credit company 20 transfers the prepaid amount desired by the user 12 to the account 19 of the mobile phone company 10. Next, the credit company 20 requests the bank 17 to debit the prepaid amount from the account 16 of the user 12. In response, the bank 17 transfers funds from the account 16 of the user 12 to the credit company 20.

2-3. If you use a debit card

FIG. 3 is a schematic diagram showing the transfer of funds when a prepayment is paid by a debit card. In this case, as shown in FIG. 3, the user 12 uses the mobile phone 13 to transmit the prepaid amount and the settlement method (here, “debit card”) to the mobile phone company 10. If there is no problem in the usage status of the user 12, the mobile phone company 10 requests the bank 17 which has issued the debit card to transfer funds based on the pre-registered debit card number. If you approve the transfer request, Bank 17 will Send the data to the clearing center 21 and notify the mobile phone company 10 of the completion of the transfer. In response, the mobile phone company 10 updates the advance balance and sends the latest advance balance to the mobile phone 13. On the other hand, if the bank 17 does not approve the transfer request, it notifies the mobile phone company 10 that the transfer cannot be made. In response to this, the mobile phone company 10 notifies the user 12 that the debit card cannot be used for payment without updating the advance balance.

The clearing center 21 cancels and tabulates the transfer based on the transfer data transmitted from many banks in addition to the bank 17, and transmits the settlement data between the banks to the settlement bank 22. In response, settlement bank 22 transfers funds from bank 17 to merchant bank 23. In response, merchant bank 23 deposits the funds into account 19 of mobile phone company 10.

2-4. When paying by automatic debit

Figure 4 is a schematic diagram showing the transfer of funds when the advance payment is automatically debited from the bank account. In this case, as shown in FIG. 4, the user 12 uses the mobile phone 13 to transmit the prepaid amount and the payment method (here, “automatic deduction”) to the mobile phone company 10. If there is no problem with the usage status of the user 12, the mobile phone company 10 requests the bank 17 to withdraw the funds based on the account number registered in advance. If withdrawal is possible, bank 17 notifies mobile carrier 10 of this. In response, the mobile phone company 10 updates the advance receipt balance and transmits the latest advance receipt balance to the mobile phone 13. If bow I is not possible, bank 17 will notify mobile carrier 10 to that effect. In response, the mobile phone company 10 informs the user 12 that the payment cannot be made. The bank 17 receiving the debit request from the mobile phone company 10 immediately transfers the funds from the account 16 of the user 12 to the account 19 of the mobile phone company 10. Separately, User Statement 15 is sent to User 12 along with Invoice 14.

3. Settlement

Next, a method of performing settlement with the above-mentioned prepayment using the mobile phone 13 will be described.

3-1. Payment at Virtual Stores on the Internet

Figure 5 shows how to make a payment using a mobile phone at a virtual store on the Internet. FIG. As shown in Fig. 5, first, a user 12 orders goods and services from a virtual store 24 on the Internet using a mobile phone 13 or a personal computer 40, and uses the payment method (here, “mobile phone”). Settlement ”). When using the personal computer 40, the user 12 manually inputs the telephone number of the mobile phone 13 into the personal computer 40 and transmits it to the virtual store 24 via the Internet 60.

The virtual store 24 receiving the order requests the mobile phone company 10 to charge the settlement amount based on the transmitted mobile phone number.

Upon receiving the request, the mobile phone company 10 notifies the virtual store 24 that the service cannot be used if there is a problem with the usage status of the user 12. In response, the virtual store 24 notifies the user 12 that the service cannot be used. If there is no problem in the status of user 1 2 for IJ, the mobile phone company 10 sends e-mail to the user 1 2 mobile phone 13 based on the user 1 2 e-mail address registered in advance. Submit an electronic invoice. The electronic invoice is for confirming payment from the virtual account 110 to the user 12.

Further, the user 1 2 having received the electronic bill selects whether or not to approve the settlement. When the user 1 2 approves the payment, the mobile phone 13 receiving the electronic invoice verifies the prepayment balance, and if the prepayment balance is less than the payment amount, the mobile phone 13 assumes that the payment is insufficient and the payment is made. Notify the mobile phone company 10 that it is not possible. In response, the mobile phone company 10 notifies the user 12 via the virtual store 24 that payment cannot be made because the balance is insufficient. If the user 12 cancels or rejects the payment, the mobile phone company 10 is notified of the cancellation or refusal of the payment. In response, the mobile phone company 10 notifies the virtual store 24 that payment cannot be made because the payment has been canceled or rejected. In response, the virtual store 24 notifies the user 12 that the payment cannot be made.

In addition, when the user 12 approves the settlement, if the prepaid balance is verified and the settled amount is within the prepaid balance, the user 12 is notified to the mobile phone company 10 that the settlement is approved. At this time, a password, a mobile phone number, a key code, and the like registered in advance with the mobile phone company 10 are also transmitted. Mobile Phone Company 10 Sent Mobile The personal information database 11 is searched based on the telephone number, and it is determined whether or not the transmitted password and key code respectively match the previously registered password key code. If the key codes do not match, the mobile phone company 10 notifies the user 12 that the service cannot be used because the key code is abnormal, and the user 1 2 through the virtual store 24 that the payment cannot be made. Notify. If both match, the mobile phone company 10 updates the advance balance by subtracting the settlement amount from the advance balance of the virtual account 110, and stores the updated advance balance in the mobile phone 13 Send. In response, the mobile phone 13 updates the internal advance balance. In addition, the mobile phone company 10 notifies the virtual store 24 of the completion of the settlement. In response, the virtual store 24 notifies the user 12 of the completion of the settlement.

After that, the virtual store 24 delivers the ordered product to the user 12 and provides the ordered service to the user 12. The mobile phone company 10 deposits the above settlement amount into the virtual store 24. The virtual store 24 pays the commission for using this service to the mobile phone company 10.

3-2. Payment at a physical store

FIG. 6 is a schematic diagram showing a method of making a payment at a physical store using a mobile phone. As shown in FIG. 6, in a real store, a user 12 sets a mobile phone 13 on a reading device 2700 connected to a POS terminal 27. The clerk enters the price of the product into the PS terminal 27 and calculates the payment amount. This payment amount is transmitted from the POS terminal 27 to the mobile phone 13 through the reader 270. The mobile phone 13 compares the balance stored therein with the payment amount, and sends an error to the POS terminal 27 if payment is not possible. On the other hand, if the settlement is possible, the mobile phone 13 transmits the mobile phone number and the key code to the POS terminal 27. The mobile phone number cannot be directly input to the POS terminal 27 by hand.

The POS terminal 27 that has received the mobile phone number and the key code completes the payment and notifies the mobile phone 13 of the completion. Upon completion of the settlement, the mobile phone 13 stores the settled amount in the internal memory, and the settlement mode is turned off. Thereafter, the user 12 removes the mobile phone 13 from the reading device 2700.

Next, the mobile phone number and key code along with the payment amount are transferred to the mobile phone company 10 Send. In response, the mobile phone company 10 updates the advance balance by subtracting the settled amount from the advance balance of the virtual account 110, and notifies the POS terminal 27 of the completion of the settlement.

4. Hardware configuration

FIG. 7 is a block diagram showing a hardware configuration of a mobile phone 13 and a server combination (hereinafter, simply referred to as a server) 30 installed in the mobile phone company 10.

As shown in FIG. 7, the mobile phone 13 includes a data processing unit 131 including a CPU, a RAMI 32, a ROM 133 such as an EE PROM, an antenna 134, a transmission / reception unit 135, and a numeric keypad or a power key. An input device 136, a display device 137 such as a liquid crystal display, a battery 138, and an interface (I / F) unit 139. The mobile phone 13 is attached to a power adapter 140, and a current is supplied from the power adapter 140 to the battery 138 through the IZF unit 139, and the battery 138 is charged. The data processing unit 131 executes a normal mobile phone function using the RAMI 32, the ROM 133, the transmission / reception unit 135, the input device 136, the display device 137, and the I / F unit 139, and also executes a settlement function described later. You.

The server 30 installed in the mobile phone company 10 includes a data processing unit 301 including a CPU and a database 302. The database 302 includes a personal information database 11, a use history database 28, and a settlement history database 29. The data processing unit 301 uses the database 302 to execute a settlement function described later. The data processing unit 301 is connected to the wireless base station 303. Radio waves are transmitted and received between the antenna 304 of the wireless base station 303 and the antenna 134 of the mobile phone 13. The usage history database 28 is a log file for recording the details of data transactions with the mobile phone 13. Specifically, the deposit / withdrawal date, deposit / withdrawal amount, balance, etc. of the virtual account 110 are recorded. The settlement history database 29 is a log file for recording the details of transactions with stores. Specifically, the settlement date and time, the settlement amount, etc. are recorded.

5. Processing at the time of advance payment 5-1. When paying together with call charges

FIG. 8 is a flowchart showing the operation of the mobile phone 13 and the server 30 when the advance payment shown in FIG. 1 is paid together with the call charge. FIG. 9 is a transition diagram of a display screen displayed on the display device 1337 of the mobile phone 13 in this case.

First, the data processing unit 13 1 of the mobile phone 13 displays the screen D 1 shown in FIG. 9 on the display device 13 37, and prompts the user 12 to input a password. When the user 12 operates the input device 13 6 to input a password, the input device 13 36 gives the input password to the data processing unit 13 1 (S 101).

Subsequently, the data processing unit 13 1 verifies the input password by comparing the input password with a password registered in advance in the RAM 13 or ROM 13 (S 1 0 2). If the entered password is incorrect, the data processing section 13 1 displays a screen D 2 shown in FIG. 9 on the display device 13 7 (S 103). On the other hand, if the entered password is correct, the data processing unit 13 1 displays the screen D 3 shown in FIG. 9 on the display device 13 7 and prompts the user 12 to “2pay”, “ Encourage them to select one of the following: ② ぉ Look in the shell cloth 布 or ぉ ③ ぉ Put money in the wallet 」. When the user 1 2 operates the input device 1 3 6 and selects “(3) Put money in the wallet”, the data processing unit 1 3 1 displays the screen D 4 on the display device 1 3 7 and the user Prompt for the prepaid amount for 1 and 2. At this time, if there is no unreported data (details will be described later), the prepaid balance stored in RAM I32 is displayed as the current balance. If there is unreported data, RAMI32 Calculates the true prepayment balance by subtracting the unreported settlement amount from the prepayment balance stored in, and displays it as the current balance. When the user 12 operates the input device 13 6 to input a desired prepaid amount, the input device 13 36 gives the input prepaid amount to the data processing section 13 1 (S 104).

Subsequently, the data processing unit 13 1 displays a screen D 5 on the display device 13 7 to urge the user 12 to select a payment method of the prepaid amount. When the user 1 2 operates the input device 1 3 6, several payment methods such as “credit”, “debit card”, and “automatic debit” are displayed in addition to the payment method “added to the call charge”. Here, it is assumed that the user 1 2 selects the payment method of “added to the call charge”. This In response, the input device 136 gives the data processing unit 131 a selection of a payment method of “added to the call charge” (S 105).

Subsequently, the data processing unit 131 gives the selected payment method and the input prepaid amount to the transmission / reception unit 135, and the transmission / reception unit 135 transmits these to the mobile phone company 10 (S106). At this time, the mobile phone number unique to the user 12 stored in the ROM 133 in advance, the key code unique to the mobile phone 13 stored in the ROM 133 in advance, and the unnotified data stored in the RAMI 32 Is also transmitted. The mobile phone number is pre-programmed into a ROM 133 such as an EPP ROM when the mobile phone company 10 sells the mobile phone 13. The key code is used when a mobile phone manufacturer manufactures a mobile phone. The serial number and the management number unique to each mobile phone (called subscriber ID (identifier), body ID, terminal ID, etc.) are stored in ROM133 such as EE PROM. In advance. Therefore, the mobile phone number is unique to the user 12 and the same mobile phone number can be registered even if the mobile phone 13 is replaced. However, the user 12 itself cannot rewrite the mobile phone number, and the mobile phone company 10 rewrites it at the request of the user 12. On the other hand, the key code is unique to the mobile phone 13. If the serial number is used as the key code, not only the user 1 2 but also the mobile phone company 10 cannot be rewritten. When a management number such as the subscriber ID described above is used as the key code, the mobile phone company 10 can rewrite, but the user 12 cannot.

Subsequently, the data processing unit 131 determines whether or not the processing up to now has been completed normally (S107). If the processing has not been completed normally, the fact is displayed on the display device 137 (S108). The connection is disconnected (S109). On the other hand, if the processing ends normally, the connection is temporarily disconnected without displaying the abnormal end (S109).

On the other hand, in the server 30 installed in the mobile phone company 10, the data processing unit 301 transmits the prepaid amount, the payment method, the mobile phone number, and the key code transmitted from the mobile phone 13 through the line base station 303. Receive (S201).

Subsequently, the data processing unit 301 searches the personal information database 11 based on the received mobile phone number (S202). Subsequently, the data processing unit 301 compares the received key code with the key code of the searched personal information database 11 to check whether the key codes match or not (S203). If the key codes match, the data processing unit 301 checks the use status of the personal information database 11 and determines whether there is a problem (S204). If the key code does not match in step S202 above, or if there is a problem with the usage status in step S204, the data processing unit 301 sends information indicating that this service cannot be used to the mobile phone. It transmits to 13 (S205).

In the mobile phone 13, the transmission / reception unit 135 receives the information indicating that the service cannot be used, transmitted from the mobile phone 13 (S 110)

Subsequently, the data processing unit 1331 displays the screen D6 shown in FIG. 9 on the display device 1337, and notifies the user 12 that the service cannot be used (S111). Then, the data processing unit 13 1 displays an abnormal termination on the display device 13 7 (S 1 1 2) ₀

On the other hand, if there is no problem in the use situation in step S204, the use history database 28 is updated (S206). To be more specific, the current date and time, the amount of the advance received this time (the amount of advance payment for the user 12), the current balance of the advance received, and the unreported data (the amount of the settlement that has not been notified) are used in the usage history. Record in database 28.

Subsequently, the data processing unit 301 sends the current advance balance to the mobile phone 13 (S207).

Subsequently, the data processing unit 301 creates billing data for the advance payment amount.

(S208).

Next, the data processing unit 301 adds the created billing data collectively to the call charges every month, and issues a bill 15 of use of this service along with the bill 14 as shown in FIG.

Subsequent processing is the same as the existing processing, and requests the user 1 2's bank 17 to withdraw the fee based on the account number registered in the personal information database 11 of the user 1 2 ( S209). In response, the usage fee for this service will be transferred from the user's account 16 to the mobile phone company's account 19 along with the call fee.

In the mobile phone 13, the data transmitted from the server 30 in the above step S 207 is The received balance is received by the transmitting / receiving unit 135 (S113).

Subsequently, the data processing section 131 stores the received advance balance in the RAMI 32 as the advance balance, thereby updating the advance balance (S116).

Subsequently, the data processing section 131 displays the screen D7 shown in FIG. 9 on the display device 137 (S117). Specifically, it displays that the prepayment processing is completed and the current prepayment balance.

5-2. When paying by credit card

FIG. 10 is a flowchart showing the operation of the mobile phone 13 and the server 30 when the prepaid amount shown in FIG. 2 is paid by a credit card. FIG. 11 is a transition diagram of a screen displayed on the display device 137 of the mobile phone 13 in this case. Unlike the above, when paying the prepaid amount by credit card, the user 12 selects “credit (collective)” on the screen D5 shown in FIG. In response, the input device 136 gives the data processing unit 131 a selection of a payment method of payment by a credit card (FIG. 10, S105).

Also, in the server 30 of the mobile phone company 10, when there is no problem in the use situation, the credit inquiry of the user 12 is made to the credit company 20 based on the credit card number registered in the personal information database 11 in advance ( S210).

Subsequently, the data processing unit 301 determines whether or not the credit company 20 has approved the payment by the credit card based on the reply from the credit company 20 (S211). In the case of non-approval, the data processing unit 301 transmits to the mobile phone 13 that payment cannot be made (S212). In the case of approval, the usage history database 28 is updated (S205).

On the other hand, in the mobile phone 13, when the transmission / reception unit 135 receives from the server 30 that payment by a credit card is impossible, a screen D8 shown in FIG. 12 is displayed on the display device 137, and payment by the credit card is performed. The user 12 is notified of the impossibility (S120).

5-3. When paying by debit card

FIG. 12 is a flowchart showing the operations of the mobile phone 13 and the server 30 when the prepaid amount is paid by a debit card. Figure 13 shows the mobile phone in this case 13 is a transition diagram of a screen displayed on the display device 13 of 13. FIG.

Unlike the above, when the prepaid amount is paid by a debit card, the user 12 selects “debit card” on the display screen D5 shown in FIG. In response to this, the input device 1336 gives the selection information to the data processing section 131 (S105).

On the other hand, in the server 30 of the mobile phone company 10, if there is no problem with the usage status, the data processing unit 310 based on the debit card number registered in the personal information database 11 in advance, A debit (approval) request is sent to the issuing bank 17 (S220). In response to this, the existing debit card processing is executed (S221).

Subsequently, the data processing unit 301 determines whether or not the transfer has been completed based on the transfer result transmitted from the debit card issuing bank 17 (S2222). If the transfer has failed, the data processing unit 301 sends a message to that effect to the mobile phone 13 (S2122).

In response, the data processing unit 13 1 of the mobile phone 13 displays the screen D 9 shown in FIG. 13 on the display device 13 7 (S 120), stating that payment by the debit card cannot be performed. To user 1 and 2.

5-4. Instant payment with automatic debit

FIG. 14 is a flowchart showing the operation of the mobile phone 13 and the server 30 when the prepaid amount shown in FIG. 4 is automatically deducted from the user's account 16. FIG. 15 is a transition diagram of a screen displayed on the display device 1337 of the mobile phone 13 in this case.

Unlike the above, in the case of automatic debit, the user 1 2 selects “Automatic debit” on the screen D5 shown in Fig. 15 and the input device 1 3 6 changes the data according to the operation of this user 12. The selection information is given to the processing section 13 1 (S 105).

On the other hand, in the server 30, if there is no problem in the usage status, the data processing unit 30

1 inquires of the bank 12 of the user 1 2 whether or not the received prepaid amount can be debited (S 230).

Subsequently, the data processing unit 301 determines whether or not the withdrawal is possible based on the inquiry result returned from the bank 17 (S231). Data processing if debit is not possible The unit 301 sends a message to that effect to the mobile phone 13 (S2 32).

In response, the data processing unit 13 1 of the mobile phone 13 displays the screen D 10 shown in FIG. 15 (S 120), and sends the desired prepaid amount from the user's account 16. Notify user 1 and 2 that debiting is not possible.

On the other hand, if the withdrawal is possible, the mobile phone company 10 requests the withdrawal from the bank 17 by the existing method (S223).

6. Processing during payment

Next, a description will be given of an operation in the case where payment is made at a virtual store and a real store on the Internet using the mobile phone 13.

6-1. Payment at a virtual store

Figure 16 shows the user's personal computer (PC) 40 and mobile phone 13 used to make payments at the virtual store, the server 30 of the mobile phone company, and the server computer of the virtual store FIG. 4 is a block diagram showing a hardware configuration of 50.

As shown in FIG. 16, the personal computer 40 of the user 12 has a data processing unit 401 such as a CPU, a memory 402 such as a ROM and a RAM, and a hard disk (HD). 403, a modem 404, an input device 405 such as a keyboard and a mouse, and a display device 406 such as a CRT display and a liquid crystal display. Similarly, the server 50 of the virtual store 24 also has a data processing unit 501, a memory 502, a hard disk 503, a modem 504, an input device 505, and a display device 5. 06. The personal computer 40 is connected to the Internet 60 through a modem 404. The server 50 is also connected to the Internet 60 via the modem 504. The server 30 of the mobile phone company 10 is also connected to the Internet 60 via the modem 303.

FIGS. 17 and 18 are flow charts showing the operation of the personal computer 40, the portable telephone 13 and the servers 30 and 50 shown in FIG.

The user 12 operates the input device 405 of the personal computer 40 to place an order for goods and services at the virtual store 24, and selects mobile phone settlement as the settlement method. In response, the data processing section 401 of the personal computer 40 is turned on. The input order information and the mobile phone number are transmitted to the server 50 of the virtual store 24 through the Internet 60 (S301).

The data processing section 501 of the server 50 receives the transmitted order information and mobile phone number (S601).

Subsequently, the data processing unit 501 sends billing information such as a store name, a settlement amount, and a mobile phone number to the server 30 of the mobile phone company 10 via the Internet 60, thereby making the mobile phone company 10 The user 12 is charged for the settlement amount (S602). The data processing unit 301 of the server 30 receives the transmitted billing information (S501).

Subsequently, the data processing unit 301 searches the personal information database 11 based on the received mobile phone number (S502).

Subsequently, the data processing unit 301 inquires the usage status from the searched personal information of the user 12 and confirms whether there is any problem (S503). If there is a problem, the data processing unit 301 sends information indicating that the service cannot be used to the server 50. This notifies the virtual shop 24 that the service cannot be used (S504). On the other hand, if there is no problem with the usage situation, the data processing unit 301 identifies the e-mail address of the user 12 from the retrieved personal information, and sends the billing data to the mobile phone 13 by e-mail. Send (S505). This means that the mobile phone company 10 issues a bill to the user 12 on behalf of the virtual store 24. In the mobile phone 13 of the user 12, the transmission / reception unit 135 receives the request data transmitted from the server 30 of the mobile phone company 10 (S401).

When the user 1 2 operates the input device 1 3 6 of the mobile phone 13 and selects “Received mail list”, the data processing section 13 1 of the mobile phone 13 displays the screen D 1 1 shown in FIG. Is displayed on the display device 1 3 7. When the user 1 2 operates the input device 1 3 6 to select the e-mail of the billing data, the data processing section 13 1 displays the screen D 12 on the display device 1 37. This is an electronic invoice, showing the order date, the orderer (usually the same as the customer 1 2), the biller (usually the same as the virtual store 24), and the billing amount (usually the same as the settlement amount) ing.

User 1 2 confirms the billing content, selects “Payment” if they agree, and disagrees If so, select Reject. The input device 13 6 of the mobile phone 13 inputs the selection information to the data processing unit 13 1 according to the operation of the user 12. The data processing unit 131 determines whether the payment has been approved based on the input selection information (S402). If the payment is not approved, the transmission / reception unit 135 transmits the information of cancellation / rejection of the payment to the server 30 of the mobile phone 10 (S403). In this case, the data processing unit 1331 displays the screen D13 shown in FIG. 19 on the display device 1337 (S404).

In the server 30 of the mobile phone company 10, the data processing unit 301 receives the information of the settlement cancellation / rejection transmitted from the mobile phone 13 (S 506), and furthermore, the information is stored in the virtual store. The data is transmitted to the server 50 of 24 (S507).

In the server 50 of the virtual store 24, the data processing unit 501 receives the information of the settlement cancellation / denial transmitted from the server 30 of the mobile phone company 10 (S605). Next, the data processing section 501 cancels the received payment and transmits the rejection information to the personal computer 40 of the user 12 via the Internet 60, whereby the virtual store 24 setstle the user 12 The user 12 is notified that the user has been canceled or rejected (S606).

In the personal computer 40 of the user 12, the data processing unit 401 receives the information of the cancellation / rejection of the settlement transmitted from the server 50 of the virtual store 24 (S 304), and the settlement is canceled. Alternatively, a message that the rejection is made is displayed on the display device 406. If the payment is approved in step S402 above, the data processing unit 131 of the mobile phone 13 sends the unreported data in the RAM I 32 (the mobile phone company 1 It is determined whether or not the payment date and time, the payment amount, etc., which have not yet been notified to 0, will be described later.) (S405). If there is unreported data, the data processing unit 13 1 calculates the total unreported amount by summing up the unreported settlement amounts (S 406), and then stores it in RAM I 32. The actual unpaid amount is subtracted from the prepaid balance to calculate the true prepaid amount at the present time (S407).

If there is no unreported data in step S405, or after step S407, the data processing unit 1331 verifies the prepayment balance and determines whether the settlement amount is within the prepayment balance. (S408). Data processing when the settlement amount exceeds the advance balance The unit 13 1 displays the screen D 14 shown in FIG. 19 on the display device 13 7 to notify the user 12 of the shortage of the balance (S 4 09), and then displays the information of the balance shortage. The data is transmitted to the server 30 of the mobile phone company 10 by radio waves (S410).

In response to this, in the server 30 of the mobile phone company 10, the data processing unit 301 receives the information on the balance shortage transmitted from the mobile phone 13 (S 508). Is transmitted to the server 50 of the virtual store 24 through the Internet 60 (S509).

In the server 50 of the virtual store 24, the data processing unit 501 receives the information on the balance shortage transmitted from the server 30 of the mobile phone company 10 (S607), and subsequently, the balance shortage occurs. Is transmitted to the personal computer 40 of the user 12 through the Internet 60 (S608). The personal computer 4◦ of the user 12 receives the information on the balance shortage and displays the fact on the display device 406 (S305).

On the other hand, in the mobile phone 13, if the payment amount is within the prepayment balance in the above step S 408, the data processing unit 13 1 displays the screen D 1 shown in FIG. Prompt for input. When the user 12 inputs the password, the input device 13 36 gives the input password to the data processing unit 13 1 (S 4 11). Subsequently, the transmission / reception unit 135 transmits the settlement approval information and the non-notification data to the server 30 of the mobile phone company 10 by radio waves (S412). Specifically, the telephone number of the mobile phone 13, the key code previously registered in the ROM 13 3 in hardware, the password entered in the above step S 4 1 1, and the unpaid settlement amount are transmitted. . In the server 30 of the mobile phone company 10, the data processing unit 301 receives the settlement approval information transmitted from the mobile phone 13 (S510).

Subsequently, the data processing unit 301 searches the personal information database 11 and specifies the personal information of the user 12 based on the received mobile phone number. The data processing unit 301 further compares the received key code with a key code registered in advance as the personal information of the user 12 to determine whether or not the key code matches (S511). . If the key codes match, the data processing unit 301 compares the received password with a password registered in advance as the personal information of the user 12 and determines that the password is correct. It is determined whether or not they match (S512).

If the key codes do not match, or if the passwords do not match, the data processing unit 301 transmits information indicating that the service cannot be used to the mobile phone 13 by radio waves. Notify 2 that this service cannot be used (S513).

In the user's mobile phone 13, the transmission / reception unit 135 receives the information indicating that the service cannot be used, transmitted from the server 30 of the mobile phone company 10 (S 413). Subsequently, the data processing unit 13 1 displays on the display device 13 7 that the service cannot be used (S 414).

Subsequently, the data processing unit 1331 displays on the display device 1337 that the service procedure has been abnormally terminated (S415).

On the other hand, in the mobile phone 13 of the mobile phone company 10, the data processing unit 301 transmits the information that cannot be settled to the server 50 of the virtual store 24 via the Internet 60 (S 5 14 ).

In the server 50 of the virtual store 24, the data processing unit 501 receives the information indicating that settlement is impossible transmitted from the server 30 of the mobile phone company 10 (S609).

In response, the data processing section 501 sends information about the settlement failure via the Internet 60 to the personal computer 40 of the user 12, whereby the virtual store 24 can settle the payment to the user 12. A notification to the effect that it is not possible is given (S610).

In the personal computer 40 of the user 12, the data processing unit 401 receives the information indicating that payment is impossible from the server 50 of the virtual store 21 (S 306), and informs that the payment cannot be performed. Display on the display device 406.

On the other hand, in the server 30 of the mobile phone company 10, if the passwords match in the above step S512, the data processing unit 301 updates the usage history database 28, and the The advance balance of the virtual account 110 is updated (S515). Specifically, the use history database 28 records the settlement date and time, the settlement amount, and the like.

Subsequently, the data processing section 301 transmits the updated advance receipt balance to the mobile phone 13 by radio waves (S 516).

In the mobile phone 13, the data processing unit 13 1 is a server of the mobile phone company 10. The advance balance of the virtual account 110 transmitted from 30 is received (S416).

Subsequently, the data processing unit 131 updates the prepaid balance stored in the RAMI 32 so as to be the same as the received prepaid balance of the virtual account, and further updates the unreported data stored in the RAMI 32. (S417) This synchronizes the prepaid balance in the mobile phone 13 with the prepaid balance in the virtual account 110 in the mobile phone company. The displayed screen D15 is displayed on the display device 137, and the user 12 is notified that the payment is completed.

After the above step S516, the server 30 of the mobile phone company 10 transmits the information of the settlement completion to the server 50 of the virtual store ί 24 via the Internet 60, and the mobile phone company 10 completes the settlement. This is notified to the virtual store 24 (S5 17). Then, the mobile phone company 1◦ pays the settlement amount to the virtual store 24 by the existing method (S518).

On the other hand, in the server 50 of the virtual store 24, the data processing unit 501 receives the information of the settlement completion transmitted from the server 30 of the mobile phone company 10 (S611). Subsequently, the data processing unit 501 transmits information on the completion of the settlement of the order receipt to the personal computer 40 of the user 12 via the Internet 6 (S612).

In the personal computer 40 of the user 12, the data processing unit 401 receives the order details and the information of the settlement completion transmitted from the server 50 of the virtual store 24 (S307).

6-2. Settlement at a physical store

FIG. 20 is a block diagram showing a hardware configuration of the mobile phone 13, the POS terminal 37, and the server 30 used when making a payment at a real store.

As shown in Figure 20,? Similarly, the # 3 terminal 27 includes a data processing unit 271, an RA 272, a hard disk 273, an input device 274, a display device 275, and an interface (IZF) unit 276. The reader 270 on which the telephone 13 is set is connected to the interface 276. The scanner for reading the barcode is also connected to the interface 276. The cash drawer 278 is also connected to the interface 276. You. FIGS. 21 and 22 are flowcharts showing the operations of the mobile phone 13, the POS terminal 27, and the server 30 when making a payment at an actual store as shown in FIG.

First, before shopping at the real store 26, the user 12 operates the input device 13 6 of the mobile phone 13 on the screen D 1 shown in FIG. 23 to input a password. The input device 1336 gives the input password to the data processing unit 1331 (S701).

Subsequently, the data processing unit 13 1 compares the input password with the password registered in advance in the RAM 32 as shown in FIG. 24 to verify the password (S 70). 2). If the passwords do not match, the data processing section 13 1 displays the screen D 2 shown in FIG. 23 on the display device 1 37 (S 703).

On the other hand, if the passwords match, the data processing unit 13 1 displays the menu screen D 3 shown in FIG. When the user 12 selects "pay", the data processing unit 1311 determines whether or not there is unreported data (S704). The unreported data is the value of the settlement amount, the settlement time of 3 and the settlement store d when the payment is made at a store outside the radio wave area, and is accumulated in the RAM 32 as shown in Fig. 24. is there. If there is unreported data, the data processing unit 13 1 determines whether or not it is in the radio range (S705). At 0, the not-yet-notified data is transmitted together with the key code previously registered in the ROM 1333 as shown in FIG. 24 (S706). In the case of out of the radio range, the sum of the not-yet-notified settlement amounts stored in the RAM I 32 is calculated to calculate a total unreported amount (S 707), and then stored in the RAM I 32. The current unpaid balance is calculated by subtracting the accumulated unreported amount from the prepayment balance (S 708). The prepaid balance in the mobile phone 13 is not updated unless the prepaid balance of the virtual account 110 is transmitted from the mobile phone company 10. Therefore, when payments are continuously made with the mobile phone 13 at an actual store outside the radio wave range, the payment amounts are stored in the RAM 32 as unreported data.

On the other hand, in the server 30 of the mobile phone company 10, the data processing unit 301 receives the unnotified data transmitted from the mobile phone 13 of the user 12 in step S706 (S7). 9 0 1). Subsequently, the data processing unit 301 compares the key code transmitted from the mobile phone 13 with a key code registered in advance in the personal information database 11 to check whether the key codes match (see FIG. S 902). If the key codes do not match, the data processing unit 301 transmits information indicating that the service cannot be used to the mobile phone 13 by radio waves, and the mobile phone company # 0 informs the user 12 that the service cannot be used. Notify (S903). If the key codes match, the data processing unit 301 updates the usage history database 28 based on the received unnotified data, and updates the balance of the virtual account 110 (S904). Subsequently, the data processing unit 301 transmits the updated latest advance receipt balance to the portable terminal device 13 (S905).

In the mobile phone 13, the transmission / reception unit 135 receives the information indicating that the service cannot be used, transmitted from the server 30 of the mobile phone company 10 in the above step S903.

(S709). Subsequently, the data processing unit 131 displays on the display device 137 that the service is not available (S710), and further displays on the display device 137 that the service procedure is abnormally terminated (S71 1). ).

The transmitting / receiving unit 135 receives the advance balance transmitted from the server 30 of the mobile phone company 10 in step S905 (S712). Subsequently, the data processing unit 131 updates the prepaid balance stored in the RAMI 32 so as to be the same as the received prepaid balance, and clears the unreported data (S713).

If there is no unreported data in step S704, or after step S708 or S713, the data processing unit 103 displays the currently available balance as shown on a screen D16 shown in FIG. 23 ( S 714).

Subsequently, the settlement mode of the mobile phone 13 is turned on, and the data processing section 131 displays the screen D17 shown in FIG. 23 on the display device 137 (S715).

Subsequently, the user 12 sets the mobile phone 13 on the reading device 270 (S716). As a result, the data processing unit 131 displays the screen D18 shown in FIG. At this time, in the POS terminal 27 of the actual store, the data processing unit 271 transmits the payment amount to the mobile phone 13 through the reading device 28 (S801).

In the mobile phone 13, the data processing section 131 is transmitted from the POS terminal 27. The received payment amount is received (S717).

Next, the data processing unit 131 determines whether or not the received payment amount is within the current balance (S718). If the payment amount exceeds the balance, the data processing unit 131 displays a screen D19 shown in FIG. 23 on the display device 137, and notifies the user 12 of the balance shortage (S719).

If the payment amount is within the balance, the data processing unit 131 transmits the telephone number of the mobile phone 13 and a key code registered in advance in the ROM 133 by hardware to the POS terminal 27 via the reader 28 (S 720).

In the POS terminal 27, the data processing unit 271 receives the mobile phone number and the key code transmitted from the mobile terminal device 13 (S802).

Subsequently, the data processing unit 271 records the received mobile phone number, key code, and settlement details on the hard disk 273 (S803).

Subsequently, the data processing unit 271 transmits information of the settlement completion to the mobile phone 13 through the reading device 270 (S804).

In the mobile phone 13, the data processing unit 131 receives the settlement completion information transmitted from the POS terminal 27, and confirms the completion of the transaction (S721).

Subsequently, the data processing unit 131 stores the settlement contents including the settlement amount at this time in the RAMI 32 as unnotified data (S722).

During the above steps S716 to S722, the data processing unit 131 displays the screen D18 shown in FIG. If the mobile phone 13 is detached from the reading device 270 on the way, the process ends abnormally. After storing the settlement contents in the RAMI 32 in the above step S722, the data processing unit 131 displays the screen D20 shown in FIG. Then, the payment mode is turned off (S723)

Next, the data processing unit 131 determines whether or not the mobile phone is in the radio wave area (S724). If the radio wave is in the radio wave area, the data notifying data stored in the RAMI 32 is transmitted along with the key code programmed in the ROM 133. The data is transmitted to the server 30 of the telephone company 10 (S725).

In the server 30 of the mobile phone company 10, the data processing unit 301 The non-notification data transmitted from 13 is received together with the key code (S909). Subsequently, the data processing unit 301 compares the key code transmitted from the mobile phone 13 with a key code registered in advance in the personal information database 11 to check whether the key codes match (S 910). If the key codes do not match, the data processing unit 301 transmits information indicating that the service cannot be used to the mobile phone 13 by radio waves (S911). The mobile phone 13 receives this information (S726), displays on the display device 137 that the service is not available (S727), and displays on the display device 137 that the service procedure has been abnormally terminated. Displayed above (S728). If the key codes match in step S910, the data processing unit 301 updates the usage history database 28 based on the received unnotified data, and updates the pre-received balance of the virtual account 110 (S912).

Next, the data processing unit 301 transmits the latest advance balance to the mobile phone 13.

(S913).

The mobile phone 13 receives the advance balance transmitted from the server 30 of the mobile phone company 10, updates the advance balance stored in the RAMI 32 so as to be the same as the received advance balance, Further, the unreported data is cleared (S729).

On the other hand, in the POS terminal 27 of the real store 26, the data processing unit 271 transmits the contents of the payment to the server 30 of the mobile phone company 10 (S805). It is desirable to transmit the settlement details for each transaction, that is, in real time, but it is also possible to perform batch processing after business closing.

In the server 30 of the mobile phone company 10, the data processing unit 301 is a POS terminal

The settlement contents transmitted from 27 are received (S906).

Subsequently, the data processing unit 301 transmits information of the settlement completion to the POS terminal 27 (S907). Then, the mobile phone company 10 performs payment processing to the real store 26 based on the settlement contents (S908).

In the POS terminal 27, the data processing unit 271 is a server of the mobile phone company 10

The payment completion information transmitted from 30 is received (S806).

In the first embodiment, the payment amount is transmitted from the POS terminal 27 to the mobile phone 13 and the mobile phone 13 determines whether or not the payment is possible. The balance of the account may be transmitted to the P〇S terminal 27, and the POS terminal 27 may determine whether the settlement is possible. Further, in the first embodiment, the mobile phone 13 is electrically connected to the P 7S terminal 27 by using the reader 270. However, short-range wireless communication (for example, Bluetooth) is used. Alternatively, the connection may be made by wireless LAN (Local Area Network) or Ir DA (Infrared Data Association), or may be made optically by using a barcode reader. When using a barcode reader, mobile phone 1

The data to be transmitted from 3 to the P-S terminal 27 can be displayed on the display device 13 with a bar code, and can be read by a bar code reader. These changes can be applied to the embodiment described later.

7. Benefits of the Service

7-1. My credit card number, cash card number, and account number do not flow on the Internet.

In the case of payment by credit, payment may be possible if only a credit card number is available.Especially in the case of payment on the Internet, users will feel strong anxiety and resistance to entering a credit card number. However, the danger of being settled if a third party knows the card number and the risk of the card number being stolen at stores cannot be ruled out. However, in this embodiment, the settlement transaction data flowing on the Internet does not include the credit card number, and the mobile phone number plays the role. In addition, although mobile phone numbers are widely known to third parties for their purposes of use, even if a third party knows only the mobile phone number of another person but does not have the mobile phone itself, the actual store However, it is highly secure because payments cannot be completed at virtual stores on the Internet and the payment limit is limited to the balance in the virtual account.

7-2. No credit reference and approval is required for settlement.

When a user deposits (prepays) funds in a virtual account of a mobile phone company, the credit inquiry and approval required for each payment method are performed, so that the user can access the virtual stores or real stores on the Internet. When making payments with, it is only necessary to check whether the payment amount is within the prepaid balance. Currently, there is no need for procedures such as obtaining an authorization number or signature of the person required for in-store payment. 7-3. There is no need to skip the radio wave during in-store payments (outside the radio range).

In this embodiment, it is not always necessary to emit a radio wave from the mobile phone at the time of in-store payment. Therefore, there is no need to be aware of whether the location for in-store payments is in the radio range. Therefore, it is possible to make payments at vending machines and ticket vending machines installed in underground shopping malls and buildings inside metropolitan areas, which are often outside the radio range, in subway premises, and underground. Even if the mobile phone is out of the radio range and the payment amount has not been notified to the mobile phone company, the unnotified amount remains stored in the internal memory of the mobile phone, and the unreported data will always be stored when the next transaction occurs. When the balance of the virtual account is transmitted and synchronized between the mobile phone and the mobile phone company, the next payment process is started.

7-4.2 It is possible to transfer to a virtual account for 4 hours.

Even if the balance of the virtual account is insufficient at the time of settlement at the virtual store or real store on the Internet, it is possible in principle to transfer funds to the virtual account 24 hours a day (prepayment) on the spot. So you can shop anytime.

7-5. There is no need to be aware of credit lines or balances during settlement.

In the past, when using a credit card at a store, the credit limit was sometimes refused because the credit limit was exceeded, and the payment itself would not be possible if there was not enough cash. There is also. For this reason, there are many users who use multiple credit cards for different purposes, and it is practically difficult for users to recognize and recognize the limit for each company's credit card. On the other hand, in this embodiment, the user can always check the amount of money transferred to the virtual account in the mobile phone company, that is, the prepayment balance on the mobile phone. It is guaranteed that payment is always possible.

7-6. Users can continue to use each service program provided by sellers who provide existing payment methods such as credit cards and debit cards.

Users can continue to receive services provided by credit sales companies by transferring funds to the virtual account of the mobile phone company using existing payment methods such as credit cards.

7-7. Even post-payment is possible for generations without credit cards. When a user specifies a transfer of funds to a virtual account within a mobile phone company using the “add to call charges” payment method, the funds are actually deducted from the user's account when the call charges are deducted. is there. Therefore, even generations who do not have a credit card will only need to have funds in their account when the call charge is deducted, and it will be possible to make “pseudo m-month months a-lump-sum payment” like a credit card _c

7-8. If it becomes available at the "COD" provided by the courier service, the user does not need to prepare cash in advance.

The courier will not need to prepare cash in advance by introducing payment by mobile phone as a means to collect the price at the time of product delivery, and the courier will reduce the need to give the delivery person change. . Instead of sending and receiving data to and from the mobile phone company's server each time a payment is made, such as a POS terminal at a store, the data can be sent all at once after the end of the day's work, or can be sent and received wirelessly each time. In addition, terminals that enable settlement at such destinations can be used in small stores, etc., and are easy to introduce.

7-9. Bank transfer 手数料 Fees can be reduced compared to settlement with a convenience store.

When transferring funds to a virtual account in a mobile phone company using the “addition to call charges” payment method, the user pays a monthly fee of about 100 to 200 yen. In the case of making small payments repeatedly within the same month, the fee paid by the user will be lower than when using bank transfer or settlement at a convenience store.

7-10. Fees are fair.

In the current credit card / debit card payment method, the merchant bears the commission, and the payment method for small-amount payments will put pressure on sales profits. There is a store. On the other hand, in this embodiment, when using a credit card or debit card when transferring funds to a mobile phone company, it is assumed that there are few cases where extremely small amounts are transferred, and the mobile phone company transfers funds as necessary. By setting the minimum amount and unit in advance at the time of payment, it is possible to balance the commission paid by the mobile phone company to the credit sales company and the revenue amount. Meanwhile, from mobile phone companies to merchants When transferring funds, a commission is calculated and charged for the total amount of the transfer during a certain period. In other words, unlike the current credit card or debit card payment method, in which a commission is charged to the merchant for each payment made by the user, the merchant receives the total amount from the mobile phone company. It is easy to introduce the system even in stores (companies) with a lot of small payments, and the fee burden is fair regardless of the amount of each transaction settlement. In other words, in the conventional payment system, the profit margin is not squeezed even in stores and companies (for example, convenience stores) where small payments are the majority.

7-1 1. The payment system is suitable for small value transactions.

As described in 7-10 above, since the commission burden is fair, even in stores and companies (for example, convenience stores) where small payments dominate, sales profits will not be squeezed. In addition, even stores and companies that have adopted a credit / debit card payment method have set a minimum usable payment amount (for example, 300 yen or more) in consideration of the ratio of the fees paid to the sales amount. In this embodiment, the commission is charged for the total settlement amount during a certain period, so there is no need to set a limit.

7-1 2. Does not add monetary value to mobile phones.

At present, the ongoing electronic money plan aims to download and use the money information itself on a mobile phone, but in this embodiment, the mobile phone is used as a tool for realizing the transfer from a virtual account. It can also be used to transfer electronic money to a virtual account. The purpose is to increase the security and convenience of the mobile phone company and the settlement site by intervening in the commercial transaction, and does not add monetary value to the mobile phone. Therefore, if electronic money is lost, it is the same as losing cash. However, in this embodiment, even if the mobile phone is dropped, the monetary value is not lost.

7-1 3. Security against unauthorized use of terminals

In the event of loss or theft, it is possible to request that the mobile phone company stop the service. Even if the service is misused at the store until the service is stopped, the available amount is within the balance in the virtual account. Also, despite the fact that you own a mobile phone, Even if the mobile phone number is misused by a third party on the Internet, it is difficult for the other person to recognize the mobile phone number until the payment is completed or the statement of use arrives. In the form (1), since all payment confirmations are sent to the mobile phone, it is possible for the user to recognize the payment before the payment is completed and prevent it. If the mobile phone contractor has declared the suspension of this service to the mobile phone company, when making payments over the Internet, when checking the usage status of the mobile phone, the payment at the physical store will be made. In this case, when the payment mode is turned on, it is notified that the service cannot be used.

7—1 4. High security of transactions between mobile phones and mobile phone company servers. A mobile phone number and a key code are transmitted as a pair from the mobile phone to the server of the mobile phone company, and the mobile phone company performs authentication using both of them. Since the mobile phone number is unique to the user and the key code is unique to the mobile phone, even a third party who knows the mobile phone number of the user 1 2 can use the mobile phone of the user 1 2 The above transactions cannot be conducted using a mobile phone other than 13.

7— 1 5. Payment is completed in a short time.

As described in 7-2 above, the credit inquiry is performed at the time of prepayment and does not need to be performed at the time of settlement, so the time required for settlement is short. This time is shorter than the time currently required for credit card / debit card payments at physical stores.

Second Embodiment The embodiment of the present invention has been described above, but the present invention can be implemented in other embodiments. For example, in the above embodiment, a virtual account is set up in a mobile phone company, but a virtual account may be set up in a financial institution such as a bank. In short, a virtual account is set up in a server that can directly or indirectly communicate with a mobile phone. It may be provided. Hereinafter, the second embodiment of the present invention will be described focusing on the differences from the first embodiment.

1. Fund transfer

FIG. 25 is a schematic diagram showing the transfer of funds according to the second embodiment of the present invention. Unlike the first embodiment shown in FIG. 1, in the second embodiment, as shown in FIG. 25, a virtual account 110 of a user 12 is assigned to a financial institution 70 such as a bank. It is provided on the server computer. This virtual account 110 has a balance, real account number, virtual The account number, mobile carrier, and mobile phone number are stored. As the real account number, the number of the account actually opened by the user 12 at the financial institution 70 is registered. As the virtual account number, a number for specifying this virtual account 110 is registered. As the mobile phone company, the name of the mobile phone company 10 to which the user 12 has subscribed is registered. As the mobile phone number, the mobile phone number of the mobile phone 13 of the user 12 is registered.

In addition to the virtual account 110, the financial institution 70 has a real account 710 of the user 12, a deposit / withdrawal history database 712 of the virtual account 110, and a settlement history database of the virtual account 110. A database 7 14 is provided. The real account 710 of the user 12 stores a real account number and an account balance. The deposit / withdrawal history database 7 12 stores the account number of the virtual account 110, the date of deposit / withdrawal of the virtual account 110, and the deposit / withdrawal amount. The settlement history database 7 14 stores the account number of the virtual account 110, the date of deposit and withdrawal of the virtual account 110, the settlement amount, and the virtual account balance at that point in the mobile phone 13. The state indicating whether the notification has been made to 13 is stored. On the other hand, the personal information database 11 in the server computer of the mobile phone company 10 stores the name of the financial institution 70 with which the user 12 is trading.

Figure 26 is a block diagram showing the hardware configuration of a mobile phone, a mobile phone company server, and a financial institution server used for money transfer. Unlike the first embodiment shown in FIG. 7 above, in the second embodiment, as shown in FIG. 26, the database 30 of the server 30 of the mobile phone company 10 stores the advance history. And settlement history are not recorded. Also, virtual account information is not recorded in this personal information database 11. Instead, the server 72 of the financial institution 70 is provided with a database 720, which stores virtual account information 110, virtual account deposit / withdrawal history 7 1 2, and virtual account settlement history 7 1 4 is recorded. The data processing unit 70 1 of the server 72 communicates with the data processing unit 301 of the server 30 and performs settlement processing using the database 70 2.

Figures 27 and 28 show the operation of the mobile phone 13, mobile phone company server 30, and financial institution server 72 when transferring funds to the virtual account 110 of the financial institution 70. It is a flowchart. Figure 29 shows the mobile phone 13 in this case. FIG. 7 is a transition diagram of a screen displayed in FIG.

As shown in FIG. 27, in the second embodiment, in step S104, the user 12 operates the input device 1336 of the mobile phone 13 to input a desired transfer amount. As a result, the input device 1336 gives the input transfer amount to the data processing unit 1331.

Subsequently, the transmission / reception unit 135 of the mobile phone 13 transmits the input transfer amount to the server 30 of the mobile phone company 10 together with the mobile phone number, the key code, and the unreported data.

In the server 30 of the mobile phone company 10, after performing authentication using the received mobile phone number and key code as in the first embodiment (S202, S203) Then, as shown in FIG. 28, a transfer request is transmitted to the bank of the user 12 (S240). Specifically, the name of the bank of the user 1 2 (here, Bank B) is read from the personal information data 1 1 of the user 1 2, and the mobile phone of the user 1 2 is read to the server 7 2 of the bank B. A telephone number and a transfer amount are transmitted, and a request is made to transfer the transmitted amount from the real account 7.10 of the user 12 to the virtual account 110. In the server 72 of the financial institution 70, the data processing unit 700 receives the transfer request transmitted from the mobile phone company 10 (S1000).

Subsequently, the data processing section 701 refers to the real account 710 of the user 12 to determine whether or not the transfer is possible (S1001). If the requested transfer amount exceeds the balance of the real account 710, the data processing unit 701 sends information indicating that transfer is not possible to the server 30 of the mobile phone company 10 (S1002). ).

In the server 30 of the mobile phone company 10, the data processing unit 301 receives the non-transferable information transmitted from the financial institution Ί 0 (S 2 4 1), and continues to transmit this information to the user 1 2 The message is transmitted to the telephone 13 (S2 42).

In the mobile phone 13 of the user 12, the transmission / reception unit 135 receives the non-transferable information transmitted from the mobile phone company 100 (S 140).

Subsequently, the data processing unit 13 1 displays the screen D 21 shown in FIG. 29 on the display device 13 7 (S 14 1), and notifies the user 1 that the transfer cannot be performed due to insufficient balance. Notify 2. Subsequently, the data processing unit 131 displays an abnormal end on the display device 133 (S142).

If the transfer amount requested in step S1001 is within the balance of the real account 710, the data processing unit 701 transfers the requested amount from the real account 710 to the virtual account. Transfer to 110 (S104).

Subsequently, the data processing unit 701 updates the deposit / withdrawal history database 712 based on the transfer amount (S1005).

Subsequently, the data processing unit 701 determines whether or not there is unreported data in the information received in step S1000 (S1005). In step S704, there is unreported data. In step S106, the mobile phone 13 transmits unreported data to the mobile phone company 10, and in step S224, the mobile phone. When the company 10 has transmitted unreported data to the financial institution 70, the data processing unit 701 updates the settlement history database 714 based on the unreported data (S10◦6). If there is no unreported data, the data processing unit 701 sends the balance of the virtual account 110 to the mobile phone company 10 (S 1 0 7).

In the server 30 of the mobile phone company 10, the data processing unit 301 receives the balance of the virtual account 110 transmitted from the financial institution 70 (S 243) and continues to use this data. The data is transmitted to the mobile phone 13 of 12 (S207).

In the mobile phone 13, as in the first embodiment, the transmission / reception unit 135 receives the balance of the virtual account 110 transmitted from the mobile phone company 10 (S 113), and Processing unit 1 3 1 updates the virtual account balance recorded in RAM 3

(S114), and finally, the fact that the transfer has been completed is displayed on the display device 1337 (S115). Here, if unreported data exists, clear the unreported data

(S144).

2. Payment at virtual stores

FIG. 30 is a schematic diagram showing settlement at a virtual store according to the second embodiment of the present invention. As shown in FIG. 30, here, a settlement institution 80 is provided between the virtual store 24 and the financial institution 70 on the Internet. The payment institution 800 stores the payment information 8100 each time the service is used, and based on the accumulated payment information 810 The usage fee is paid to the virtual store 24 collectively. The payment information 8100 includes the name of the financial institution 70 as the bank name, the name or name of the user 12 as the payer name, the transfer amount, the virtual account number of the virtual account 110, and the payment destination on the Internet. The name of the virtual store 24 is included.

Figure 31 shows a personal computer 40, a mobile phone 13, a server 30 of a mobile phone company 10, a server 72 of a financial institution 70, and a server 82 of a payment institution 80 used for settlement at a virtual store. 3 is a block diagram showing a hardware configuration of a server 50 of the virtual store 24. FIG. As shown in FIG. 31, the server 82 of the settlement institution 80 is provided with a data processing unit 800 and a database 800. The database 8 02 stores payment information 8 10. The data processing unit 8101 communicates with the data processing unit 7101 of the server 72, and performs payment processing to the virtual store 24 in accordance with the settlement information 810 stored in the database 80.2.

Figures 32 to 34 show the personal computer 40, the mobile phone 13, the server 30 of the mobile phone company 10, the server 50 of the virtual store 24, and the server 50 when performing settlement at the virtual store 24. 5 is a flowchart showing the operation of the server 72 of the financial institution 70. Here, in order to simplify the explanation, the operation of the server 82 of the settlement institution 80 is omitted.

As in the first embodiment shown in FIG. 17, the server 30 of the mobile phone company 10 transmits the billing data from the virtual store 24 to the mobile phone 13 (S505). In the mobile phone 13, the transmission / reception unit 135 receives the billing data (S

4 0 1).

Then, the electronic invoice sent by the e-mail is opened (S420). Subsequently, after processing the unreported data in the same manner as in the first embodiment (S405 to S407), the data processing unit 131 displays the billing content and usage on the display device 1337. The available balance (for example, screen D22 or D23 shown in FIG. 35) is displayed (S4 21).

Subsequently, the data processing unit 13 1 verifies whether or not the billed amount is within the available balance (S 4 22). If the billed amount is within the available balance, a "Payment" button is displayed as shown in screen D22 of Fig. 35. If billing exceeds available balance, Figure 3 As in screen D23 on screen 5, the button "Put money in your wallet" is displayed.

When the billing amount exceeds the available balance, the data processing unit 13 1 determines whether or not to transfer the additional funds in accordance with the operation of the user 12 (S 4 23). If the additional fund is to be transferred, the above-mentioned fund transfer is performed (S424). If the additional fund is not to be transferred, the process proceeds to step S403.

If the billing amount is less than the available balance in step S422, it is determined whether or not the user 12 has approved the settlement as in the first embodiment (S402). Further, after confirming the password in the server 30 of the mobile phone company 10 (S512), the data processing unit 301 transmits the information of the settlement request to the financial institution 70, and If the notification data exists, the non-notification data is transmitted (S520).

In the server 72 of the financial institution 70, the data processor 701 receives the information of the settlement request transmitted from the mobile phone company 10 (S110).

Subsequently, the data processing unit 701 transfers the received settlement amount from the virtual account 110 of the user 12 (S111). If unreported data is received, the unpaid settlement amount is also transferred from the virtual account 110 of the user 12. Here, the settlement institution 80 is requested to transfer the settlement amount to the virtual store 24. The settlement institution 80 does not pay the settlement amount to the virtual store 24 every time the request is made, but collectively pays the plurality of settlement amounts to the virtual store 24 in a predetermined monthly unit. Such a settlement institution 80 is not always necessary, and the financial institution 70 may pay the settlement amount directly to the virtual store 24. However, the establishment of a settlement institution 80 can reduce the commission generated each time a transfer is made.

Subsequently, the data processing unit 701 updates the deposit / withdrawal history database 712 based on the settlement amount. (S111).

Subsequently, the data processing unit 7 0 1 executes a settlement history database based on the settlement amount.

Update 7 1 4 (S1103).

Subsequently, the data processing unit 701 reads out the balance of the virtual account 110 and transmits it to the mobile phone company 10 (S 110).

In the server 30 of the mobile phone company 10, the data processing unit 301 is a financial institution. The virtual account balance transmitted from 0 is received (S 5 21), and is subsequently transmitted to the mobile phone 13 of the user 12 (S 5 16).

3. Payment at a physical store

FIG. 36 is a schematic diagram showing settlement at a real store according to the second embodiment of the present invention. As shown in Fig. 36, even in the case of settlement at a real store, the settlement institution 80 collectively transfers the transfer request from the financial institution 70 to the real store 26.

Figure 37 shows a mobile phone 13 installed at a physical store, a POS terminal 27, a server 30 of a mobile phone company 10, a server 72 of a financial institution 70, and a server 8 of a payment institution 80. FIG. 3 is a block diagram showing a hardware configuration of No. 2;

As shown in FIG. 37, the data processing unit 801 of the server 82 of the clearing house 80 communicates with the data processing unit 701 of the server 72, and the actual store according to the payment information 810.

Make a payment for 26.

FIGS. 38 to 40 are flowcharts showing the operations of the mobile phone 13, the POS terminal 27, the server 30 of the mobile phone company 10, and the server 72 of the financial institution 70 when making payment at a real store. It is.

Unlike the first embodiment shown in FIG. 21 above, the second embodiment

In step S707 shown in 38, the data processing unit 1311 of the mobile phone 13 calculates the total unreported amount calculated in step S707 from the virtual account balance recorded in RAM I32. Is subtracted.

When the server 30 of the mobile phone company 10 confirms that the key codes match in step S902, the data processing unit 301 sends the unreported data to the server 72 of the financial institution 70. (S920).

In the server 72 of the financial institution 70, the data processing unit 700 receives the unnotified data transmitted from the mobile phone company 10 (S1200).

Subsequently, the data processing unit 701 updates the settlement history database 714 based on the received unnotified data (S1221).

Subsequently, the data processing section 701 sends the virtual account balance of the virtual account 110 to the server 30 of the mobile phone company 10 (S122).

In the server 30 of the mobile phone company 10, the data processing unit 301 The virtual account balance transmitted from 0 is received (S921), and subsequently transmitted to the mobile phone 13 of the user 12 (S1◦5).

In the mobile phone 13, the transmission / reception unit 135 receives the virtual account balance transmitted from the mobile phone company 10 (S 712), and the data processing unit 131 sends the virtual account balance to the RAMI 32 based on the received virtual account balance. The recorded virtual account balance is updated and the unreported data is cleared (S713).

Further, in the server 30 of the mobile phone company 10, after receiving the payment content transmitted from the physical store 26 in step S 906, the data processing unit 301 transmits the received payment content to the server 72 of the financial institution 70. Send it (S922). In the server 72 of the financial institution 70, the data processing unit 701 receives the settlement contents transmitted from the mobile phone company 10 (S1203).

Subsequently, the data processing unit 701 updates the settlement history database 714 based on the received settlement contents (S1204).

Subsequently, the data processing unit 701 transmits the information of the settlement completion to the server 30 of the mobile phone company 10 (S1205). Then, the financial institution 70 performs payment processing to the real store 26 through the settlement institution 80 in the same manner as in the case of the virtual store (S1206).

In the server 30 of the mobile phone company 10, the data processing unit 301 receives the settlement completion information transmitted from the financial institution 70 (S923), and subsequently transmits this to the POS terminal 27 of the real store 26 (S923). S 907).

In the server 30 of the mobile phone company 10, if the key code is confirmed in step S909, the data processing unit 301 transmits the unnotified data received in step S909 to the server # 2 of the financial institution 10. Yes (S924).

In the server 72 of the financial institution 70, the data processing unit 701 receives the unreported data transmitted from the mobile phone company 10 (S1207).

Subsequently, the data processing unit 701 updates the settlement history database 714 based on the received unreported data (S1208).

Subsequently, the data processing unit 701 reads out the virtual account balance of the virtual account 110 and transmits it to the server 30 of the mobile phone company 10 (S1209). In the server 30 of the mobile phone company 10, the data processing unit 301 receives the virtual account balance transmitted from the financial institution 70 (S 925), and then continuously uses the balance of the mobile phone of the user 12. It transmits to 13 (S913).

In the mobile phone 13 of the user 12, the transmission / reception unit 135 receives the virtual account balance transmitted from the mobile phone company 110 (S 730), and furthermore, the received virtual account balance is added to the received virtual account balance. The virtual account balance recorded in the RAM 32 is updated based on the information and the unreported data is cleared (S729).

As described above, according to the second embodiment of the present invention, since the virtual account 110 is provided in the financial institution 70, the transfer of funds to the virtual account 110 is performed in the first embodiment. It is simpler than the form.

In the second embodiment, the financial institution 70 has a virtual account 110 separate from the real account 7110, but the real account 7110 is treated as a virtual account 110 as it is. Well ,. In this case, there is no need to transfer funds from the real account 710 to the virtual account 110, so the processing procedure is further simplified.

In the settlement at the virtual store on the Internet according to the above-described embodiment, the user may place an order using a mobile phone which is placing an order using a personal computer. In this case, the mobile phone acts as a substitute for a personal computer.

[Third Embodiment]

In the first embodiment, the virtual account is provided in the mobile phone company, and in the second embodiment, the virtual account is provided in the financial institution.In the third embodiment described below, the virtual account is provided in the mobile phone company and the financial institution. Establishes a virtual account at a separate clearing house.

1. Service Overview

'' A user who wishes to use the service according to the third embodiment registers in advance a bank account number or a credit card number of a credit company required for depositing a prepayment into a virtual account with a clearing house. Keep it. The user requests the payment institution through the mobile phone company using a mobile phone to deposit the prepayment into the virtual account before the payment. The clearing house uses the pre-registered bank account number or credit card number of the credit company to request a prepayment to the user. Clearing house After the payment is requested, the prepaid money is paid to the virtual account, and the balance of the virtual account is transmitted to the mobile phone via the mobile phone company. The virtual store and the real store charge not the mobile phone company or the financial institution but the settlement institution as in the first and second embodiments.

1-1. Registration

FIG. 41 is a schematic diagram showing a method of first performing use registration when a user 12 of the mobile phone 13 desires to use the service. As shown in Fig. 41, users wishing to use this service1 2 are required to subscribe to a mobile phone company, a mobile phone number, a bank account number for withdrawing a prepayment or a credit company. Fill in the payment information such as credit card number on the designated withdrawal account registration form 25 and mail it to the clearing house 90. The clearing house 90 registers the user information 910 in the database based on the withdrawal account registration form 25.

Subsequently, the settlement institution 90 notifies the user 12 of the member number (customer number in the user information 9110) given to the user 12 through the mobile phone company # 0. The user 12 confirms the contents of the notification, and if there is no problem, approves the application for this service to the clearing house 90 through the mobile phone company 10. In response, the settlement institution 90 establishes a virtual account 110 and establishes an area in the database for recording the deposit / withdrawal history 912 and settlement history 914 of the virtual account in the database.

The database of the settlement organization 90 includes member stores (including virtual stores and real stores) that can use this service and member store information 91 such as a transfer account for transferring the amount used at the member stores. 6 are registered.

Subsequently, the settlement institution 90 notifies the start of the service to the mobile phone 13 of the user 12 through the mobile phone company 10. At this time, the mobile phone company 10 changes the use status of the personal information 11 from “unregistered” to “usable”. When the mobile phone 13 of the user 12 receives the service start notification from the mobile phone company 10, the usage status of the mobile phone 13 is changed from “unavailable” to “available”.

By the above procedure, User 1 and 2 can use this service.

1-2. Transfer funds to virtual account

Figure 4 2 shows that the prepayment to be entered into the virtual account 110 FIG. 4 is a schematic diagram showing a transfer of funds when a debit is made from an account. As shown in FIG. 42, the user 12 uses the mobile phone 13 to request the clearing house 90 through the mobile phone company 10 to deposit a desired prepayment into the virtual account 110. Here, a case where 50,000 yen is deposited in the virtual account 110 is illustrated. When the payment institution 90 receives a request for prepayment to the virtual account 110, the payment institution 90, such as a bank or a credit company, in which the account 16 Request financial institution 170 to withdraw prepayment. The financial institution 170 receiving the withdrawal request confirms whether the debit is possible, and if possible, sends the transfer data to the clearing house 90 and pays the prepayment to the clearing house 90. If the bow 1 cannot be dropped, the settlement institution 90 is notified to that effect. When the payment institution 90 receives the transfer data from the financial institution 170, it updates the deposit / withdrawal history 912 and further updates the virtual account 110. Subsequently, the clearing house 90 notifies the mobile phone company 10 of the updated balance of the virtual account 110. The mobile phone company 10 creates transmission data 102 such as a mobile phone number and a virtual account balance. The mobile phone company 10 notifies the user 12 of the virtual account balance based on the transmission data 102. In response to this notification, the mobile phone 13 of the user 12 updates the virtual account balance. When transmission of the transmission data 102 from the mobile telephone company 10 to the mobile telephone 13 of the user 12 is completed, the transmission data 102 is cleared. When transmission of the transmission data 102 is impossible, for example, when the user 12 is out of the radio range, the transmission data 102 is retained without being cleared.

1-3. Payment at a virtual store

FIG. 43 is a schematic diagram showing a method for making a payment at a virtual store 24 on the Internet using the mobile phone 13. As shown in FIG. 43, the user 12 places an order with the virtual store 24 using the mobile phone 13 or the personal computer 40. The virtual store 24 receiving the order sends an electronic invoice describing the customer number and billing details of the user 12 to the mobile phone 13 of the user 12 through the payment institution 90 and the mobile phone company 10. Send. The user 12 confirms the transmitted electronic bill on the mobile phone 13, and if the billed content matches the content of his / her order, approves the payment to the clearing house 90 through the mobile phone company 10. Notice. When the settlement institution 90 obtains the approval of the settlement, it updates the deposit / withdrawal history 9 12 and the settlement history 9 14 according to the billing content. In both cases, the balance of the virtual account 110 is also updated. Here, an example is shown in which a product of 30000 yen is purchased at a virtual store 24 called store B.

Subsequently, the clearing house 90 notifies the mobile phone company 10 of the updated virtual account balance. The mobile phone company 10 uses the virtual account balance as transmission data 102 and transmits it to the mobile phone 13 of the user 12. The virtual account balance of the mobile phone 13 is updated accordingly. When transmission of the virtual account balance from the mobile phone company 10 to the user 12 is completed, the transmission data 102 is cleared.

On the other hand, when the settlement institution 90 finishes updating the virtual account balance, it notifies the user 12 through the virtual store 24 of the completion of the settlement. Further, the clearing house 90 transfers the payment amount to the transfer account of the member store based on the member store information 9 16.

1-4. Payment at a physical store

FIG. 44 is a schematic diagram showing a method of making a payment at the real store 26 using the mobile phone 13. As shown in FIG. 44, when the mobile phone 13 is attached to the POS terminal 27 installed in the real store 26, the POS terminal 27 transmits the payment amount to the mobile phone 13. If the payment amount is within the virtual account balance, the mobile phone 13 records the payment details in the unreported data and transmits the mobile phone number, key code, and password to the POS terminal 27. In response, the POS terminal 27 notifies the mobile phone 13 of the completion of the settlement.

afterwards, ? # 3 The terminal 27 notifies the settlement institution 90 of the settlement contents together with the mobile phone number, the key code and the password. The clearing house 90 requests authentication by transmitting the received mobile phone number, key code and password to the mobile phone company 10. The mobile phone company that received the certification request 1

Change from "No" to "Yes". If the received mobile phone number, key code and password do not match the mobile phone number, key code and password registered as personal information 11, mobile phone company 10 will use personal information 11 Change the status to "authentication error" and notify user 12 and clearing house 90 of that. In response to this notification, the mobile phone 13 changes the usage status to “authentication abnormal”.

On the other hand, if the received mobile phone number, key code and password match the mobile phone number, key code and password registered as personal information 11, The mobile phone company 10 notifies the settlement institution 90 that the authentication has been successfully completed. In response to this notification, the clearing house 90 updates the deposit / withdrawal history 9 12 and the settlement history 9 14. The clearing house 90 further updates the balance of the virtual account 110 and changes the unreported status from “none” to “present”. Here, an example is shown in which a real merchandise store D 26 purchases a product for 1000 yen.

Subsequently, the clearing house 90 notifies the real store 26 that the payment has been completed. The clearing house 90 deposits the settlement amount into the transfer account of the member store based on the member store information 9 16.

1-5. Request for unreported data

Figure 45 shows that the unreported data was generated in the mobile phone 13 because the user 12 settled at the real store 26, and the virtual account balance of the mobile phone 13 was changed to the virtual account balance of the clearing house 90. FIG. 11 is a schematic diagram showing a method in which the settlement institution 90 requests the mobile phone 13 to transmit unreported data in order to synchronize the virtual account balance when the number does not match with that of FIG. As shown in FIG. 45, the clearing house 90 requests unreported data from the mobile phone 13 of the user 12 through the mobile phone company 10. In response, the mobile phone 13 transmits the unreported data to the clearing house 90 through the mobile phone company 10. The clearing house 90 changes the state of the corresponding payment in the payment history 911 from “not notified” to “notified” based on the received unnotified data.

Subsequently, the clearing house 90 sends the balance of the virtual account 110 to the mobile phone company 10. The mobile phone company 10 uses the received virtual account balance as the transmission data 102 and changes the unreported information in the personal information 11 from “Yes” to “No”. The mobile phone company 10 sends the virtual account balance to the mobile phone 13. In response, the mobile phone 13 updates the virtual account balance and clears the unreported data. When the mobile phone company 10 completes the transmission of the virtual account balance, it clears the transmission data 102.

1-6. Billing agency

FIG. 46 is a schematic diagram showing a method in which the settlement institution 90 charges the credit company 20 for the settlement amount in the virtual store 24 by the user 12 in place of the virtual store 24. This billing service does not use the virtual account 110 set up at the payment institution 90, but rather uses the bank account number registered as the user information 910 or the credit card of the credit company. Debit payment or card payment is performed using the number.

As shown in FIG. 46, when the user 12 places an order for the virtual store 24 using the mobile phone 13 or the personal computer 40, the temporary store | An electronic invoice composed of such as is issued to the user 12 through the settlement institution 90 and the mobile phone company 10. The user 12 confirms the electronic invoice sent to the mobile phone 13, and notifies the clearing house 90 via the mobile phone company 10 if the payment is approved. At that time, select one of the pre-registered payment methods. Here, an example is shown in which the credit card settlement of the credit company E is selected.

The settlement institution 90 notifies the virtual store 24 of the approval of the settlement and notifies the credit company 20 of the settlement contents such as the credit card number and the settlement amount using the user information 910. In response to this, the credit sales company 20 performs payment processing of the settlement amount to the virtual store 24, and notifies the virtual store 24 that the settlement is completed.

When the user 1 2 selects the settlement method using a debit card as the settlement method, the settlement institution 90 notifies the bank 17 of the settlement contents such as the account number and the settlement amount using the user information 9 10. The bank 17 debits the settlement amount from the account of the user 12 and performs payment processing of the settlement amount to the virtual store 24.

In the above billing service, important payment information such as a bank account number and a credit card number of a credit company is registered in advance at a payment institution 90, and cannot be transmitted from a mobile phone 13 or a personal computer 40. Absent. Authentication is performed by the mobile phone company 10 using the mobile phone number, key code and password. Only when the authentication is obtained, the account number registered in advance and the credit card number are transferred from the payment institution 90 to the financial institution. 17 0 and the credit company 20 are notified. Therefore, high security can be ensured.

2. System configuration and operation

Next, a system configuration for realizing the above service and its operation will be described.

2-1. Registration

Fig. 47 is a block diagram showing the hardware configuration for use registration shown in Fig. 41. FIG. Unlike the first and second embodiments, in the third embodiment, a memory 30 for storing transmission data 102 is stored in the server 30 of the mobile phone company 10. Is provided. Further, the server 92 of the settlement institution 90 is provided with a data processing section 921 and a database 922. The database 922 stores the user information 910, the deposit / withdrawal history 912 of the virtual account, the settlement history 914 of the virtual account, and the merchant information 916. The data processing section 9221 is connected to the data processing section 301 of the server 30 installed in the mobile phone company 10 and performs predetermined data processing on the database 9222.

FIG. 48 is a flow chart showing the operations of the mobile phone 13 of the user 12, the server 30 of the mobile phone company 10, and the server 92 of the settlement institution 90 when performing use registration.

First, the user 12 operates the input device 13 6 of the mobile phone 13 to transmit a use application for this service from the mobile phone 13 to the mobile phone company 10 (S 11). In the server 30 of the mobile phone company 10, the data processing unit 301 receives the use application transmitted from the mobile phone 13 (S21), and transmits it to the settlement institution 90 (S2).

2). In the server 92 of the settlement institution 90, the data processing section 9221 receives the use application transmitted from the mobile phone company 10 (S1301). In response, the settlement company 92 sends out a predetermined application form to the user 12 (S1302). User 1 2 fills in the application form with the bank account number and credit card number of the credit company that wish to withdraw, and returns it to clearing house 90. The clearing house 90 receives the application form returned from the user 12 (S1302). Based on the items entered in this application form, the data processing section 301 registers the user information 9110 in the database 9222 (S1303). Specifically, the user's 12 membership number, mobile phone number, mobile phone company, bank account number, credit card number of a credit company, etc. are registered. Subsequently, the data processing unit 921 notifies the mobile phone company 10 of the member number (S1304).

In the server 30 of the mobile phone company 10, the data processing unit 301 receives the member number transmitted from the settlement institution 90 (S23), and notifies the user 12 of this (S23). Four ) . In the mobile phone 13 of the user 1 2, the transmitting and receiving The member number transmitted from the talk company 10 is received (S12), and if the user 12 approves the application, the user 12 is notified to the mobile phone company 10 (S13). In the server 30 of the mobile phone company 10, the data processing unit 301 receives the notification of application approval transmitted from the mobile phone 13 (S25), and notifies the settlement institution 90 of this. (S26).

In the server 92 of the settlement institution 90, the data processing unit 921 receives the notification of the application approval transmitted from the mobile phone company 10 (S1305), and opens the virtual account 110. Then (S1306), the start of the service is notified to the mobile phone company 10 (S1307). In the server 30 of the mobile phone company 10, the data processing unit 301 receives the service start notification transmitted from the settlement institution 90 (S 27), and determines the use status of the personal information 11 as “not available”. Update from "register" to "available" (S28). Subsequently, the data processing unit 301 notifies the user 12 of the start of the service (S29). In the mobile phone 13 of the user 12, the transmitting / receiving unit 135 receives the service start notification transmitted from the mobile phone company 10 (S 14), and changes the usage status from “unavailable” to “not available”. It is updated to "usable" (S15).

2-2. Transfer funds to virtual account

Figure 49 shows the mobile phone 13 of the user 12 used for the money transfer shown in Figure 42, the server 30 of the mobile phone company 10, the server 92 of the settlement institution 90, and the financial institution 170. FIG. 3 is a block diagram showing a hardware configuration of a server 17 2. As shown in FIG. 49, the server 172 installed in the financial institution 170 includes a data processing unit 174 and a database 176. The data processing section 174 processes the data of the databases 1 to 6 and is connected to the data processing section 301 of the server 30 installed in the mobile phone company 10. The database 176 contains user information 177 such as the user's address and name, real account information 178 about real accounts opened at financial institutions 170, and deposits and withdrawals in real accounts. The real account history 1 7 9 and the like are registered. FIGS. 50 to 52 show the mobile phone 13 and the mobile phone company 10 when transferring funds from the financial institution 170 to the virtual account 110 of the settlement institution 90 as shown in FIG. 9 is a flowchart showing the operation of the server 30 of the third embodiment and the server 92 of the settlement institution 90. Here, before inputting the password (S101), the mobile phone 13 checks the use status, and if it is not available, the fact is displayed on the display device 1337 (S100). If it can be used, it prompts the user 12 to enter a password (S101). In addition, after verifying the password (S102) and before inputting the prepaid amount (S104), the unreported data is confirmed and the available balance is displayed in the same manner as in Fig. 21 (S710) ).

Subsequently, the transmission / reception unit 13 5 of the mobile phone 13 transmits the prepaid amount and the like input in step S 104 to the mobile phone company 10 (S 106). The password entered in 1 is also transmitted to the mobile phone company 10.

The server 30 of the mobile phone company 10 searches the personal information 11 based on the mobile phone number received by the data processing unit 301 (S202), and then receives the received key code and password. Is verified (S203). If the key codes or passwords do not match, the use status of the personal information 11 is changed from “available” to “unavailable” (S250), and the user 12 is notified of the authentication error (S2). 5 1).

In the mobile phone 13 of the user 1 2, the transmission / reception unit 135 receives the notification of the authentication failure from the mobile phone company 10 (S 150), and the data processing unit 13 1 1 responds accordingly. The usage status of the telephone 13 is changed from “available” to “authentication abnormal” (S 15 1), and the suspension of use of this service is displayed on the display device 13 (S 15 2).

On the other hand, if both the key code and the password match in step S203, the data processing unit 301 confirms the usage status of the personal information 11 (S204), and the usage status becomes "Usage". If "OK", it is determined whether or not there is unreported data (S253). If there is unacknowledged data, the data processing unit 301 sends the unacknowledged data to the clearing house 90 together with the prepayment amount received in step S201 (S254). On the other hand, if there is no unreported data, the data processing unit 301 sends only the prepaid amount to the settlement institution 90 (S255). When the prepaid amount is transmitted from the mobile phone company 10 to the settlement institution 90, the mobile phone number of the user 12 is also transmitted.

In the server 92 of the settlement institution 90, the data processing unit 921 receives the mobile phone number and the prepaid amount transmitted from the mobile phone company 10 (S1300), and receives the received information. Creates billing data for the financial institution 170 with which the user 12 has an account based on the user information 9 10 registered in the database 9 2 Yes (S1301). The clearing house 90 requests the financial institution 170 to withdraw the prepaid amount according to the billing data (S1302).

Financial institution 1 70 accepts account of user 12 in response to debit request from clearing institution 90

The prepaid amount is deducted from 160 (S1400). Subsequently, the data processing unit 174 determines whether the withdrawal is possible, that is, whether the prepaid amount is within the account balance (S14).

01). If the withdrawal is not possible, the data processing unit 174 notifies the settlement institution 90 of the fact (S1402). In the server 92 of the clearing house 90, the data processing unit

921 receives a notification from the financial institution 170 that the credit card cannot be debited (S1303), and notifies the mobile phone company 10 of this with the mobile phone number of the user 12 (S1304). In the server 30 of the mobile phone company 10, the data processing unit 301 receives from the settlement institution 90 a notification that the account cannot be debited (S 256).

Notify 3 (S232).

On the other hand, if the withdrawal is possible in step S1401, the data processing unit 174 of the server 172 transmits the transfer data to the clearing house 90 (S1403), and transfers the transfer data from the account 160 of the user 12 to the account of the clearing house 90. A payment process for transferring the prepaid amount is executed (S1404).

In the server 92 of the settlement institution 90, the data processing unit 921 receives the transfer data transmitted from the financial institution 170 (S1305), and records the deposit of the prepaid amount in the database 922, and then records the deposit and withdrawal history. 912 is updated (S1306). If unreported data has been transmitted, the settlement amount is recorded in the database 922 to update the settlement history 914 (S1307). Subsequently, the data processing unit 921 updates the virtual account balance by adding the prepaid amount to the balance of the virtual account 110 (S1308). If there is unreported data, change this to "none". Subsequently, the data processing unit 921 transmits the balance of the virtual account 110 to the mobile phone company 10 together with the mobile phone number (S1309).

In the server 30 of the mobile phone company 10, the data processing unit 301 receives the virtual account balance transmitted from the settlement institution 90 (S257), and stores the virtual account balance in the memory 303 as the transmission data 102 (S257). 258). Subsequently, the data processing unit 301 changes the unreported data to “absent” (S259). Next, data processing The unit 301 transmits the transmission data 102 stored in the memory 303 to the portable telephone 13 of the user 12 (S260). Subsequently, it is determined whether or not the transmission has been completed normally (S261). If the transmission has been completed normally, the transmission data 102 is cleared (S262), and the user 12 is out of the radio range or the mobile phone 13 If the transmission data cannot be transmitted to the mobile phone 13 such as when the power supply of the mobile phone is turned off, and the transmission is not completed normally, retransmission processing is performed (S263). Specifically, the transmission data 102 is transmitted to the mobile phone 13 again after a predetermined period has elapsed.

2-3. Payment at virtual stores

Figure 53 shows the hardware of the personal computer 40, mobile phone 13, server 30 of the mobile phone company 10, server 92 of the payment institution 90, and server 50 of the virtual store 24 used for settlement at the virtual store 24 shown in Figure 43. FIG. 3 is a block diagram showing a hardware configuration. As shown in FIG. 53, the data processing unit 921 of the server 92 installed in the settlement institution 90 is connected to the Internet 60.

FIGS. 54 to 56 show the personal computer 40, the mobile phone 13, the server 30 of the mobile phone company 10, the server 92 of the payment institution 90, and the virtual computer when making a payment at the virtual store 24 as shown in FIG. 5 is a flowchart showing the operation of the server 50 of the store 24.

Here, the personal computer 40 or the mobile phone 13 of the user 12 transmits the membership number (customer number) to the virtual store 24 together with the order contents (S301). The server of the virtual store 24 receives these (S601), creates an electronic bill, and transmits the billing content together with the member number to the settlement institution 90 via the Internet 60 (S602).

In the server 92 of the settlement institution 90, the data processing unit 921 receives the electronic invoice transmitted from the virtual store 24 (S1310), and searches and uses the database 922 based on the received member number. The mobile phone number and mobile phone company of the user 12 are specified from the user information 910 (S1311). Subsequently, the data processing unit 921 transmits the received electronic bill to the corresponding mobile phone company 10 together with the mobile phone number (S1312).

In the server 30 of the mobile phone company 10, the data processing unit 301 The electronic bill transmitted from 0 is received together with the mobile phone number (S501). The data processing unit 301 confirms the use status in the personal information 11 (S503), and if the use status is "unavailable", notifies the settlement institution 90 to that effect together with the mobile phone number (S504). .

The server 92 of the settlement institution 90 receives the service unavailable notification notified from the mobile phone company 10 together with the mobile phone number (S1313), and notifies the virtual store 24 via the Internet 60. Yes (S1314).

Further, the user 12 opens the electronic bill transmitted from the mobile phone company 10 and received by the mobile phone 13 (S 418), and the data processing unit 131 of the mobile phone 13 The contents of the bill and the available virtual account balance are displayed on the display device 137 (S154).

Further, when the billed amount of the electronic bill exceeds the available balance, the data processing unit 131 inquires the user 12 via the display device 137 whether or not to make an additional transfer to the virtual account 110. (S155). When performing an additional transfer, the data processing unit 131 executes a fund transfer process (S156).

The determination as to whether to approve the settlement (S402) is made after the verification of the available balance (S408). In the server 30 of the mobile phone company 10, the cancellation or rejection of the payment received by the data processing unit 301 is transmitted to the clearing house 90 together with the mobile phone number (S507). In the server 92 of the settlement institution 90, the data processing unit 921 receives the cancellation or rejection of the settlement transmitted from the mobile phone company 10 (S1315), and sends it to the virtual store 24 via the Internet 60. It is transmitted (S131 6). The cancellation or refusal of the settlement is returned to the user 12 via the virtual store 24 as in the above embodiment (S605, S606, S304). In the personal computer 40 or the mobile phone 13 of the user 12, the data processing unit 401 or 131 displays the received payment cancellation or rejection (order cancellation) on the display device 406 or 137 (S308). .

Further, in the mobile phone 13 of the user 12, after inputting the password (S 411), the data processing section 131 verifies the input password (S 157). If the password is incorrect, the data processing unit 131 displays The message is displayed on the device 13 (S158), and if the password is correct, the transmission / reception unit 135 notifies the mobile phone company 10 of the approval (S4122).

In the server 30 of the mobile phone company 10, if the key code or password does not match, the data processing unit 301 changes the usage status of the personal information 11 from "available" to "authentication error". (S 5 2 2), and notifies the user 1 2 of that (S 5 2

3), and also notifies the settlement institution 90 together with the mobile phone number (S524). In the mobile phone 13 of the user 12, the transmission / reception unit 13 5 receives the notification of the authentication error transmitted from the mobile phone company 10 (S 159), and the data processing unit 13 1 uses the notification. The status is changed from "available" to "authentication error", and the suspension of use of this service is displayed on the display device 1337 (S161). On the other hand, in the server 92 of the settlement institution 90, the data processing unit 921 receives the notification of the authentication error transmitted from the mobile phone company 10 (S1317), and based on the authentication error, The fact that settlement is impossible is notified to the virtual store 24 via the Internet 60 (S1318). In the server 50 of the virtual store 24, the modem 504 receives the notice of settlement failure transmitted from the settlement institution 90 (S613), and in response to this, cancels the order via the Internet 60. To the personal computer 40 or the mobile phone 13 of the user 1 2 via (S 6 1

Four ) . In the personal computer 40 or the mobile phone 13 of the user 12, the modem 404 or the transmission / reception unit 135 receives the cancellation of the order received from the virtual store 24 (S 309), The data processing unit 410 or 1331 indicates the fact on the display device 406 or 137 (S310).

If both the key code and the password match in steps S511 and S512, the data processing unit 301 determines whether or not the non-notification is "Yes" (S5 25), and the non-notification is performed. If there is data, the settlement data and the not-yet-notified data are transmitted to the settlement organization 90 together with the mobile phone number (S526). If there is no unreported data, the data processing unit 301 sends the settlement data together with the mobile phone number to the settlement institution 90 (S527). In the server 92 of the settlement institution 90, the data processing unit 921 receives the settlement data transmitted from the mobile phone company 10 (and unreported data if there is unreported data) (S1). 3 1 9), and updates the deposit / withdrawal history 9 12 based on the received settlement data (and unreported data if there is unreported data) (S 1320), The settlement history 914 is updated (S1321), and the balance of the virtual account 110 is further updated (S1322). Here, the data processing unit 921 sets the non-notification of the virtual account 110 to “none”.

Subsequently, the data processing unit 921 sends the updated balance of the virtual account 110 together with the mobile phone number to the mobile phone company 10 (S1323), and notifies the virtual store 24 of the completion of the settlement via the Internet 60. (S1324), and the payment processing to the virtual store 24 is further performed (S1325). The notification of the settlement completion is also sent to the user 12 via the virtual store 24 (S612, S307). In the personal computer 40 or the mobile phone 13 of the user 12, the data processing unit 401 or 131 displays the completion of the received settlement on the display device 406 or 137 (S311).

On the other hand, in the server 30 of the mobile phone company 10, the data processing unit 301 receives the virtual account balance transmitted from the settlement institution 90 (S528), and stores the balance as the transmission data 102 in the memory 303. (S529). Subsequently, the data processing unit 301 sets the unreported personal information 11 to “none” (S530), and transmits the transmission data (virtual account balance) 102 stored in the memory 303 to the mobile phone 13 of the user Γ2 Yes (S531).

Subsequently, the data processing unit 301 determines whether or not the transmission of the data has been normally completed (S532). If the transmission has been normally completed, the data processing unit 301 clears the transmission data 102 stored in the memory 303 (S533). If not completed normally, transmission processing is performed again (S534).

In the mobile phone 13 of the user 12, the transmission / reception unit 135 receives the transmission data 102 transmitted from the mobile phone company 10 (S162), and the data processing unit 131 outputs the virtual account balance based on the received transmission data 102. Is updated (S163). Subsequently, the data processing section 131 clears the unreported data (S164), and displays the settlement completion together with the virtual account balance on the display device 137 (S165).

2-4. Payment at physical stores

Figure 57 shows the mobile phone 13, POS terminal 27, server 30 of the mobile phone company 10 and server 92 of the payment institution 90 used for settlement at the physical store shown in Figure 44. FIG. 3 is a block diagram illustrating a hardware configuration of the first embodiment. Here, unlike FIG. 20, the server 92 of the payment institution 90 is connected to the POS terminal 27 of the real store 26 and the server 30 of the mobile phone company 10.

FIGS. 58 to 60 are flow charts showing operations of the mobile phone 13, the POS terminal 27, the server 30 of the mobile phone company 10, and the server 92 of the payment institution 90 shown in FIG. 57. It is.

Here, in the server 30 of the mobile phone company 10, if there is unreported data as a result of the determination in step S525, the data processing unit 301 sends the unreported data together with the mobile phone number to the payment institution. The data is transmitted to 90 (S533). In the server 92 of the settlement institution 90, when there is unreported data, the data processing unit 921 updates the deposit / withdrawal history 912 (S1330). Subsequently, the data processing unit 921 updates the settlement history 914 and sets the state of the corresponding settlement to "notified" (S1331). Next, the data processing section 9221 updates the balance of the virtual account 110 when there is unreported data, and sets the unreported to "none" (S1332).

Also, here, unlike FIG. 22, after verifying the balance (S 718) on the mobile phone 13 of the user 12, the data processing unit 13 1 stores the settlement content in the unreported data (S 7 722) Then, the terminal information of the mobile phone 13 such as the mobile phone number, key code, and password is transmitted to the POS terminal 27 (S720). Steps S 802 to S 804 and S 721 are the same as those in FIG. After receiving the payment completion notification from the POS terminal 27 in step S 7 21, the data processing unit 13 1 turns off the payment mode (S 7 2 3) and displays the end of the payment on the display device 1 3 7 (S731). In addition, the data processing section 27 1 of the P〇S terminal 27 transmits the settlement contents recorded in step S 803 together with the mobile phone number, the key code and the password received in step S 802, to the settlement institution 9. Send to 0 (S805). In the server 92 of the settlement institution 90, the data processing unit 921 receives the payment contents transmitted from the POS terminal 27 together with a mobile phone number (3 1 3 3 3), and receives the received mobile phone. The user information 910 stored in the database 922 is searched based on the telephone number (S1334). According to the search result, the data processing section 9 2 1 requests the corresponding mobile phone company 10 to perform authentication. Then, the password is transmitted to the mobile phone company 10 (S1335).

In the server 30 of the mobile phone company 10, the data processing unit 301 performs authentication in the same manner as in FIG. 55 (S511, S512). However, here, if the key code or password does not match, the data processing unit 301 changes the use status of the personal information 1 to “unavailable” (S522) and suspends use of the service. Inform 1 2 (S 5 2 3). In the mobile phone 13 of the user 12, the data processing unit 13 1 changes the usage status to “unavailable” (S 160).

On the other hand, if the key code and the password match, the data processing unit 301 changes the unreported personal information 11 to “Yes” (S 925) and notifies the settlement institution 90 of successful authentication. Then, a request process for unreported data described later is performed (S927). In the server 92 of the settlement institution 90, the data processing unit 921 receives the notification of the successful authentication transmitted from the mobile phone company 10 (S1330), and the deposit / withdrawal history 912, settlement The balances of the history 9 14 and the virtual account 1 10 are updated (S1320 to S1322). Here, when the settlement history 9 14 is updated, its status is set to “not notified”. Subsequently, the data processing section 9221 changes the non-notification of the virtual account 110 to "yes" (S1331).

Also, when the data processing unit 921 receives the notification of the authentication error from the mobile phone company 10 (S1317), the data processing unit 921 executes the payment processing of the settlement amount to the real store 26. (S 1 3 3 2). The cause of such an authentication error may be fraudulent use of the user 12, but in this case also, the settlement institution 90 guarantees payment to the real store 26. The settlement institution 90 bears the damages caused by unauthorized use, but since the use of this service is stopped when the authentication error is detected as described above, the damages can be minimized.

2-5. Request for unreported data

Figure 61 shows the mobile phone 13, the server 30 of the mobile phone 10, and the server 9 2 of the payment institution 90 when the mobile phone 10 requests unreported data from the user 12. 6 is a flowchart showing the operation of the embodiment. The unreported data is stored in the RAM 32 of the mobile phone 13 as in the first embodiment shown in FIG. When requesting unreported data, the hardware configuration shown in Fig. 47 is used. Can be.

In the server 30 of the mobile phone company 10, the data processing unit 301 requests the mobile phone 13 of the user 12 to transmit unreported data at predetermined time intervals (S 540). In the mobile phone 13 of the user 12, the transmission / reception unit 135 receives the transmission request of the unnotified data transmitted from the mobile phone company 10 (S 170), and accordingly, the data processing unit 1311 sends the unreported data stored in the RAM32 to the mobile phone company 10 together with the mobile phone number, key code and password (S706). Hereinafter, as in FIGS. 58 and 59, the server 30 of the mobile phone company 10 performs authentication and the like, and the server 92 of the payment institution 90 updates the payment execution 914.

2-6. Billing Service

Fig. 62 shows the personal computer 40, mobile phone 13, server 30 of mobile phone company 10, server 50 of virtual store 24, and payment institution 90 of the billing agent shown in Fig. 46. It is a block diagram which shows the hardware structures of the server 92 of the server 92 and the financial institution 170. As shown in FIG. 62, the server 94 of the financial institution includes a data processing unit 941 and a database 942. The data processing unit 941 is connected to the Internet 60 and the data processing unit 921 of the server 92 installed in the settlement institution 90. The database 942 stores user information 943, member store information 944, and user history 945. The user information 943 includes the user's address, name, and telephone number, as well as an account number for a bank, a credit card number and a debit bank account for a credit company. Merchant information 944 is the address and name of the merchant that accepts payment by debit card / credit card. The user history 945 includes the payment amount by the debit card / credit card, the payment, the name of the member store, and the like.

Figures 63 and 64 show the personal computer 40, mobile phone 13, mobile phone company 10 server 30, payment institution 90 server 92, and financial institution server shown in Figure 62. 9 is a flowchart illustrating operations of the server 50 of the virtual store 24 and the virtual store 24.

The processing of the billing agent shown in FIGS. 63 and 64 is the virtual processing shown in FIGS. 54 to 56. It is similar to the processing of settlement at stores. However, at the time of billing substitution, the mobile phone 13 of the user 12 approves the settlement immediately after opening the electronic bill in step S418 (S402). If the passwords match in step S157, the user 12 is prompted to select a settlement method between settlement by debit card and settlement by credit card (S171). Subsequently, the transmitting and receiving unit 135 of the mobile phone 13 notifies the mobile phone company 10 of the approval of the settlement (S412). At this time, in addition to the mobile phone number, the key code, the password, the payment content, the payment method is also transmitted to the mobile phone company 10.

Further, in the server 30 of the mobile phone company 10, when the key code and the password match in steps S511 and S512, the data processing unit 301 transmits the approval of the settlement received in step S510 to the mobile phone. Sent to clearing house 90 with phone number. In the server 92 of the clearing house 90, the data processing unit 921 notifies the virtual store 24 of the approval of the payment via the Internet 60 (S1335), and the modem 504 in the server 50 of the virtual store 24 The notification is received (S615).

Subsequently, the data processing unit 921 notifies the financial institution of the settlement contents (S1336). In the server 94 of the financial institution, the data processing unit 941 receives the settlement contents transmitted from the settlement institution 90 (S1500), and performs a predetermined settlement process (S1501). Next, the data processing unit 941 notifies the virtual shop 24 of the possibility of settlement (S1502). In the server 50 of the virtual store 24, the modem 504 receives the notification of the settlement possibility transmitted from the financial institution (S616), judges whether the settlement is possible (S617), and makes the settlement impossible. In this case, the cancellation of the order is transmitted to the personal computer 40 or the mobile phone 13 of the user 12 (S618). In the personal computer 40 or the mobile phone 13 of the user 12, the modem 404 or the transmitting / receiving unit 135 receives the order cancellation transmitted from the virtual store 24 (S315), and the display device 406 or Displayed at 137 (S316).

The third embodiment differs greatly from the first and second embodiments in that the virtual account 110 is provided in the settlement institution 90, but is also different in other respects. These differences can be adopted in the first and second embodiments. You.

[Fourth embodiment]

In the third embodiment described above, the user 12 is authenticated based on the personal information 11 provided in the mobile phone company 10, but in the fourth embodiment described below, a payment institution 90 Authenticates users 1 and 2 based on the user information 9 1◦ established in. The hardware configuration for the fourth embodiment is the same as that shown in FIGS. 47, 49, 53, 57 and 62, and therefore, description thereof will not be repeated. Hereinafter, the fourth embodiment will be described with a focus on differences from the third embodiment.

1. Prepayment method

First, a prepayment method for depositing money into a virtual account will be described. FIG. 65 is a schematic diagram showing a prepayment method according to the fourth embodiment of the present invention. Here, an area for storing a one-time ID, a small account balance, and a small settlement history, which will be described later, is secured in the RAM I 32 of the mobile phone 13. Further, the user information 910 of the clearing house 90 includes a key code and a password for authenticating the user 12. The user information 910 also includes the e-mail address, the usage status, and the membership category of the mobile phone 13. There are two types of membership: “general” and “member store” for individual users. The virtual account 110 contains the small account balance and the one-time ID. FIGS. 66 and 67 are flow charts showing the operation of the mobile phone, the server of the mobile phone company, and the server of the payment institution in the case shown in FIG.

First, the user 12 uses the mobile phone 13 and selects “prepay” on the menu screen (S98). Specifically, in the mobile phone 13 shown in FIG. 47, FIG. 49, FIG. 53, FIG. 57 and FIG. Is given to the data processing section 13 1. Since steps S99 to S103 are the same as those shown in FIG. 50, description thereof will not be repeated.

After verifying the password (S 102), the user 12 uses the mobile phone 13 to enter the customer number assigned in advance (S 175). More specifically, the input device 1336 provides the customer number input to the data processing unit 1331 according to the operation of the user 12. Here, user 1 and 2 are entering customer numbers. The stored customer number may be stored in the RAM 32 and transmitted from the second time. Further, the telephone number of the mobile phone 13 may be used as the customer number as in the above embodiment.

Subsequently, the transmitting / receiving unit 13 5 of the mobile phone 13 receives the customer number entered in step S 17 5, the key code registered in the ROM 13 3 in advance, and the input in step S 10 1. The transmitted password is transmitted to the mobile phone company 10 (S176).

In the server 30 of the mobile phone company 10, the data processing unit 301 receives the customer number, key code and password transmitted from the mobile phone 13, and directly receives them via the Internet 60. Send to 0. That is, the mobile phone company 10 transfers the customer number, key code, and password transmitted from the mobile phone 13 to the settlement institution 90 (S265).

In the server 92 of the settlement institution 90, the data processing unit 921 receives the customer number and the key code password transmitted from the mobile phone 13 via the mobile phone company 10 (S20) 0). Thereafter, the server 92 of the settlement institution 90 performs the same processing as steps S203 to S205, S250, and S251 shown in FIG. 50 and FIG. 0 server run on behalf of 30. However, here, the server 92 of the settlement institution 90 sends an authentication abnormality notification to the mobile phone company 10, and the server 30 of the mobile phone company 10 transfers this to the mobile phone 13 (S266) ). Also, the server 92 of the settlement institution 90 sends a use-disapproval notice to the mobile phone company 10, and the server 30 of the mobile phone company 10 transfers this to the mobile phone 13 (S267). Steps S150 to S152, SI10, and S111 of mobile phone 13 are the same as those shown in FIG. 51, and therefore, description thereof will not be repeated.

As a result of the use status confirmation (S204), if the use status is "available", the settlement institution 90 requests the user 12 to input a prepaid amount. More specifically, in the server 92 of the settlement institution 90, the data processing section 9221 transmits a request for the prepaid amount to the mobile phone 13 (S1340). In the server 30 of the mobile phone company 10, the data processing unit 301 transfers the request for the prepaid amount transmitted from the settlement institution 90 via the Internet 60 to the mobile phone 13 of the user 12. Yes (S266).

In the mobile phone 13 of the user 12, the transmitting and receiving unit 13 5 The request for the prepaid amount sent via the mobile phone company 10 is received (S177). In response to this request, the user 12 operates the input device 13 6 of the mobile phone 13 to input a desired prepaid amount and select a payment method of the prepaid amount (S178). As the payment method, in the same manner as described above, besides debit from a bank account, debit settlement, credit settlement, transfer, settlement by electronic money, and the like. The transmission / reception unit 135 of the mobile phone 13 transmits the input prepaid amount and the selected payment method to the settlement institution 90. In the server 30 of the mobile phone company 10, the data processing unit 301 transfers the prepaid amount and the payment method transmitted from the mobile phone 13 to the settlement institution 90 (S266).

In the server 92 of the settlement institution 90, the data processing unit 921 receives the prepaid amount and the payment method transmitted from the mobile phone 13 via the mobile phone company 10 (S1341).

Subsequently, the data processing section 9221 executes the settlement processing of the desired advance payment amount by the selected payment method (S1342).

Subsequently, the data processing section 9221 determines whether or not settlement is possible (S1343). If the settlement is not possible, the clearing house 90 notifies the user 12 that the prepayment is impossible. Specifically, in the server 92 of the settlement institution 90, the data processing unit 9221 transmits a notification that the advance payment is impossible to the mobile phone 13 (S1344). In the server 30 of the mobile phone company 10, the data processing unit 301 transfers the notice of non-prepayment transmitted from the settlement institution 90 via the Internet 60 to the mobile phone 13 (S 27 0 ).

In the mobile phone 13 of the user 1 2, the transmission / reception unit 135 receives the prepayment impossible notification transmitted from the settlement institution 90 via the mobile phone company 10 (S 179), and The impossibility is displayed on the display device 13 7 (S 180).

On the other hand, if settlement is possible in step S1343, the settlement institution 90 notifies the user 12 of the completion of the prepayment together with the new balance of the virtual account. Specifically, the data processing unit 921 sends a notice of the completion of the prepayment together with the balance of the virtual account to the mobile phone 13 (S1345). In the server 30 of the mobile phone company 10, the data processing unit 301 sends the virtual account balance and the notification of the completion of the prepayment transmitted from the payment institution 90 via the Internet 60 to the user 12. The call is transferred to the telephone 13 (S271). In the mobile phone 13 of the user 12, the transmission / reception unit 135 receives the notification of the balance of the virtual account and the completion of the prepayment transmitted from the settlement institution 90 via the mobile phone company 10 (S 1 8 1), the data processing section 13 1 displays the prepaid completion together with the balance of the virtual account on the display device 1 37 (S 18 2).

After the notification of the completion of the prepayment (S 1 3 4 5), the data processing section 9 2 1 updates the deposit and withdrawal history 9 1 2 based on the prepayment amount (S 1 3 6), and furthermore, the balance of the virtual account 1 10 Is updated (S1308).

The communication related to steps S265 to S275 described above is performed in the same session. Therefore, if the communication is cut off before updating the deposit / withdrawal history or virtual account balance, the deposit / withdrawal history and virtual account balance will not be updated.

2. Payment at Virtual Stores ''

Next, the settlement at the virtual store will be described. The following are two ways to transfer a bill from a virtual account to a virtual store.

2-1. First remittance method

FIG. 68 is a conceptual diagram showing a first remittance method according to the fourth embodiment of the present invention. Here, the member store billing history 918 and the member store payment history 920 are recorded in the database 922 provided in the server 92 of the clearing house 90. FIG. 69 and FIG. 70 are flowcharts showing the operation of the personal computer, the mobile phone, the server of the mobile phone company, the server of the payment institution, and the server of the virtual store in the case shown in FIG.

As in the third embodiment, the personal computer 40 or the mobile phone 13 of the user 12 transmits the customer number to the virtual store 24 together with the order details (S301). The server 50 of the virtual store 24 receives these (S601), and transmits the billing contents together with the customer number to the settlement institution 90 (S602).

In the server 92 of the settlement institution 90, the data processing unit 921 receives the billing content transmitted from the virtual store 24 (S1310).

Subsequently, the server 92 of the clearing house 90 performs the same processing as steps S502, S503, and S505 shown in FIG. 54 on behalf of the server 30 of the mobile phone company 10. Execute. Here, instead of the mobile phone number, the payment institution 90 The server 92 searches for the user information 910 in the database 922 (S520). As a result of the usage status confirmation (S503), if the usage status is "available", in the server 92 of the settlement institution 90, the data processing section 9221 sends the database 9 Search for 2 2, read out the e-mail address of mobile phone 13 from user information 9 10, and send electronic invoice to mobile phone 13 by e-mail according to the e-mail address (S 505 ). This electronic bill records the billing number, billing amount, remittance destination (member store number), and so on.

Subsequently, the data processing unit 921 updates the member store billing history 918 and records the billing number, billing date, billing amount, etc. based on the electronic bill transmitted from the virtual store 24 (S 1 3 4 0).

In the server 30 of the mobile phone company 10, the data processing unit 301 transfers the e-mail transmitted from the settlement institution 90 via the Internet 60 to the mobile phone 13 of the user 12 ( S 27 2).

In the mobile phone 13, the transmission / reception unit 13 5 receives the e-mail transmitted from the payment institution 90 via the mobile phone company 10 (S 4 01), and the data processing unit 13 1 The e-mail is opened in response to the operation of 12 and the electronic bill is displayed on the display device 13 7 (S 4 18).

Subsequently, the user 12 confirms the electronic invoice, and selects the “remittance” to remit the invoice amount recorded there to the virtual store 24. At this time, the user 12 operates the input device 13 to input the customer number and the password. As a result, the mobile phone 13 is connected to the server 92 of the settlement institution 90 in accordance with the remittance URL (Uniform Resource Locator) embedded in the e-mail, and the transmission / reception unit 13 35 remits along with the key code, customer number and password. A selection signal is transmitted to settlement institution 90 (S430). The server 30 of the mobile phone company 10 transfers the remittance selection signal transmitted from the mobile phone 13 to the clearing house 90 via the Internet 60 (S273).

In the server 92 of the clearing house 90, the data processing section 921 receives the key code, customer number, password and remittance selection signal transmitted from the mobile phone 13 via the mobile phone company 10 (S1 3 4 1), and based on the received customer number, The user information 910 in the database 922 is searched (S1342). Thereafter, the server 92 of the settlement institution 90 performs the same processing as the steps S511, S512, S5222 to S524 shown in FIG. 55 instead of the server 30 of the mobile phone company 10. Execute. The data processing unit 9 2 1 verifies the key code and password (S 5 1 1, S 5 1 2), and if both match, a notification of completion of remittance is sent together with the new balance of the virtual account 1 10 to the mobile phone company 1 The data is transmitted to the mobile phone 13 of the user 1 2 through 0 (S1343). The server 30 of the mobile phone company 10 transfers the remittance completion notification transmitted from the settlement institution 90 via the Internet 60 to the mobile phone 13 of the user 12 (S275). In the mobile phone 13, the transmitting / receiving section 135 receives the remittance completion notification transmitted from the clearing house 90 via the mobile phone company 10 (S 431), and furthermore, the data processing section 1. 31 displays the remittance completion together with the virtual account balance after remittance on the display device 13 (S432).

After the remittance completion notification (S1343), the server 92 of the clearing house 90 executes the same processing as steps S1320 to S1322 shown in FIG.

After updating the virtual account balance (S1 3 22), the data processing section 9 2 1 enters the database 9

Update the merchant billing history 9 18 in 22 and record the date of payment (S1344). Subsequently, the data processing unit 921 updates the member store payment history 920 in the database 9222 and records the billing number, payment 0, payment amount, remittance customer number, etc. (S1345).

Subsequently, the data processing section 9221 transmits a payment notice to the virtual store 24 via the Internet 60 (S1346). In the server 50 of the virtual store 24, the modem 504 receives the payment notification transmitted from the settlement institution 90 (S619).

Here, the communication according to steps S272 to S275 is performed within the same session.

2-2. Second remittance method

FIG. 71 is a conceptual diagram showing a second remittance method according to the fourth embodiment of the present invention. FIGS. 72 and 73 are flowcharts showing the operations of the personal computer, the mobile phone, the server of the mobile phone company, the server of the settlement institution, and the server of the virtual store in the case shown in FIG. The virtual store 24 that receives the order does not notify the user 12 of the payment via the payment institution 90 as in the first remittance method described above, but instead notifies the user 12 directly of the payment. I do. Specifically, in the server 50 of the virtual store 24, after receiving the order (S 601), the data processing unit 501 uses the billing content such as the member store number of the virtual store 24 and the bill amount via the Internet 60. The data is transmitted to the mobile phone 13 or the personal computer 40 of the person 12 (S620). In the portable telephone 13 or the personal computer 40 of the user 12, the transmission / reception unit 135 or the modem 404 receives them (S312).

The user 12 operates the mobile phone 13 after seeing the notified billing content, and selects “remittance” from the menu screen (S97). As in steps S99 to S103, S175, S176, S265, and S200 shown in FIG. 66, the user 12 enters a password and a customer number, and the mobile phone 13 enters these into a key code. Together with the clearing house 90, and the clearing house 12 receives them.

Subsequently, steps S502, S503, S1314, S603, S604, S302, S303, S511, S512, S522 to S524, S274, S159, shown in FIG. As in S613, the clearing house 90 performs authentication, and if both the key code and the password match in steps S51 1 and S512, requests the user 12 to enter specific remittance contents. In response to this request, the user 12 inputs specific remittance contents and transmits it to the clearing house 90.

Specifically, in the server 92 of the settlement institution 90, the data processing unit 921 transmits a request for the remittance content to the mobile phone 13 of the user 12 (S1347). In the server 30 of the mobile phone company 10, the data processing unit 301 transfers the request for the remittance content transmitted via the settlement institution 90 power internet 60 to the mobile phone 13 (S276).

In the mobile phone 13 of the user 12, the transmission / reception unit 135 receives the remittance request transmitted from the settlement institution 90 via the mobile phone company 10 (S 433). Subsequently, the input device 136 gives the remittance content input in response to the operation of the user 12 to the data processing unit 131, and the transmission / reception unit 135 transmits the input remittance content to the settlement institution 90 (S 434). Remittance details include the remittance destination merchant number, remittance There is an amount. In the server 30 of the mobile phone company 10, the data processing unit 301 transfers the remittance content transmitted from the mobile phone 13 to the settlement institution 90 (S277). In the server 92 of the settlement institution 90, the data processing unit 921 receives the remittance content transmitted from the mobile phone 13 via the mobile phone company 10 (S13448). Thereafter, steps S1343, S275, S431, S432, S1320 to S1322 shown in FIG. 70 are the same as S1345, S1346, S619, and therefore, description thereof will not be repeated. . However, here, since there is no billing history 918 shown in FIG. 68, the billing history is not updated (S1344).

3. Settlement at physical stores

Next, payment at a real store will be described. Here, a small account that can be transferred from a virtual account is further provided, and a one-time ID (identifier) that enables the use of the small account is issued.

3- 1. Issuance of one-time ID (transfer to small account)

FIGS. 74 and 75 are conceptual diagrams showing a method of issuing a one-time ID according to the fourth embodiment of the present invention. Fig. 74 shows the case where there is no small settlement history, and Fig. 75 shows the case where there is a small settlement history. Here, a deposit / withdrawal history 915 of a small account is recorded in a database 922 provided in the server 92 of the clearing house 90. FIGS. 76 and 77 are flowcharts showing the operation of the mobile phone, the server of the mobile phone company, and the server of the settlement institution in the case shown in FIGS. 74 and 75.

To transfer a desired amount from a virtual account to a small account in order to make a payment at a real store, the user 12 operates the mobile phone 13 and selects “One-time ID” on the menu screen (S 96 ). Specifically, in the mobile phone 13, the input device 136 gives a selection signal of “one-time ID” to the data processing unit 131 according to the operation of the user 12. Since steps S99 to S103 and S175 are the same as those shown in FIG. 66, description thereof will not be repeated.

After inputting the customer number (S175), in the mobile phone 13, the transmission / reception unit 135 transmits the customer number, the key code, the passcode and the small account information to the settlement institution 90 (S185). The small account information includes the small account recorded in RAMI 32 Includes balance and retail settlement history. However, when requesting a one-time ID for the first time, the retail settlement history does not yet exist. Thereafter, steps S265-S267, S200, S202-S205, S250, S251, S150-S152, S110, S111 are the same as those shown in FIG. Therefore, the description will not be repeated.

As a result of authentication (S 203) of user 12, if the key code and the password are the same, and as a result of checking the usage status (S 204), the usage status is “available”, the settlement institution 90 sets the user 12 Requests the transfer amount from the virtual account to the small account. Specifically, in the server 92 of the settlement institution 90, the data processing unit 921 transmits a request for the desired transfer amount to the small account to the mobile phone 13 of the user 12 (S1350). At this time, the transferable limit (usually the balance of the virtual account) is also transmitted. In the server 30 of the mobile phone company 10, the data processing unit 301 transfers the transfer amount request transmitted from the payment institution 90 via the Internet 60 to the mobile phone 13 (S278).

In the mobile phone 13 of the user 12, the transmitting / receiving unit 135 receives the transfer amount request transmitted from the settlement institution 90 via the mobile phone company 10 (S186). In response to this request, the user 12 operates the input device 136 of the mobile phone 13 to specify a desired transfer amount (S187). The input device 136 provides the transfer amount specified by the user 12 to the data processing unit 131.

The data processing unit 131 calculates the settlement amount specified in step S187 in step S1.

It is compared with the limit received at 86 to determine whether or not the designated settlement amount is within the limit (S188). If the designated transfer amount exceeds the limit, the data processing section 131 displays transfer impossible on the display device 137 (S189). On the other hand, if the designated transfer amount is within the limit, the transmission / reception unit 135 transmits the designated transfer amount to the payment institution 90 (S190). In the server 30 of the mobile phone company 1◦, the data processing unit 301 transfers the transfer amount transmitted from the mobile phone 13 of the user 12 to the settlement institution 90 via the Internet 60 (S279).

In the server 92 of the clearing house 90, the data processing unit 921 receives the transfer amount transmitted from the mobile phone 13 of the user 12 via the mobile phone company 10 (S1). 35 1), and further randomly generates a one-time ID (S 135 2).

Subsequently, the data processing unit 921 updates the deposit / withdrawal history 912 of the virtual account based on the transfer amount received in step S13351 (S1320), and setstle the virtual account. Update the history 9 14 (S 1 3 2 1), update the balance of the virtual account 1 10 (S 1 3 2 2), and further update the deposit / withdrawal history 9 15 of the small account (S 1 3 4 5).

For example, as shown in Figure 74, if User 1 specifies the transfer amount to be 100,000 yen, 10000 yen will be withdrawn to the small account in the virtual account deposit and withdrawal history 9 12. Is recorded. The balance of the virtual account 110 is reduced by ¥ 100, and the balance of the small account is increased by ¥ 100. Further, the input / output history 915 of the small account records that 1000 yen has been deposited. In this case, since the small-lot settlement history is not transmitted from the mobile phone 13, the settlement history 9 14 of the virtual account is not updated.

Next, as shown in FIG. 75, it is recorded that 300 yen has been used in the small settlement history of the mobile phone 13 (that is, the small account balance of the mobile phone 13 becomes 700 yen). If the user 1 2 specifies the transfer amount to be 1500 yen, the difference between this transfer amount (150 yen) and the current small account balance (700 yen) (800 yen) is calculated, and the fact that 800 yen has been withdrawn is recorded in the input / output history 912 of the virtual account. In addition, the fact that 300 yen has been used for settlement is recorded in the settlement history 914 of the virtual account based on the small settlement history of the mobile phone 13. In addition, the balance of the virtual account 110 is reduced by 800 yen based on the difference, and becomes 200 yen. The power of 300 yen used for settlement from the small account A new 800 yen will be transferred to the small account, so the balance of the small account will be 150 yen, which is equal to the above transfer amount. The deposit / withdrawal history 915 of the small account records that 300 yen was withdrawn based on the small settlement history of the mobile phone 13 and 800 yen based on the difference. Will be recorded as received.

Finally, the data processing section 9 21 sends the transfer contents such as the one-time ID and the small account balance generated in step S 13 52 to the mobile phone 13 of the user 12 (S 1

3 5 3). In the server 30 of the mobile phone company 10, the data processing unit 301 sends the transfer contents transmitted from the settlement institution 90 via the Internet 60 to the mobile phone 1.

Transfer to 3 (S280). In the mobile phone 13 of the user 12, the transmission / reception unit 135 receives the transfer contents transmitted from the settlement institution 90 via the mobile phone company 10 (S119).

Subsequently, the data processing unit 131 clears the small settlement history recorded in the RAMI 32 (S192). Subsequently, the data processing unit 131 rewrites the small account balance recorded in the RAMI 32 (S193), and further rewrites the one-time ID recorded in the RAMI 32 (S194).

For example, in the case shown in FIG. 74, the one-time ID “98765” generated by the settlement institution 90 is recorded in the RAMI 32 of the mobile phone 13. In addition, the balance of the small account is updated to “0 yen” and “1000 yen” according to the transfer amount specified by the user 1 2. In the case shown in FIG. 75, a new one-time ID of “34567” generated by the settlement institution 90 is recorded in the RAMI 32 of the mobile phone 13. Also, the new small account balance of “1,500 yen” calculated by the clearing house 90 is recorded in the RAMI 32 of the mobile phone 13.

Finally, the data processing section 131 displays, on the display device 137, the completion of payment to the small account together with the small account balance (S195).

3-2. Use of one-time ID (payment from small account)

FIG. 78 is a conceptual diagram showing a method for making a payment at a physical store using a one-time ID according to the fourth embodiment of the present invention. FIG. 79 is a flowchart showing the operation of the mobile phone, the POS terminal of the physical store, and the server of the settlement institution in the case shown in FIG.

To transfer the desired amount to a small account and obtain a one-time ID, and then make a payment at the real store 26, the user 12 operates the mobile phone 13 and selects “Payment” on the menu screen ( S 95). Specifically, in the mobile phone 13, the input device 136 gives a selection signal of “payment” to the data processing unit 131 in accordance with the operation of the user 12. Since steps S99 to S103 are the same as those shown in FIG. 66, description thereof will not be repeated.

After verifying the password (S102), the data processing unit 131 determines whether the one-time ID recorded in the RAMI 32 is valid (S735). The one-time ID has an effective date, and the balance of the small account is the actual store only until that effective date. Can not be used for settlement in One-time ID may be invalidated once used for payment at a physical store.

If the one-time ID is invalid, the data processing section 131 displays the fact on the display device 137 (S736). On the other hand, when the one-time ID is valid, the data processing section 131 displays on the display device 137 that payment from the small account is possible (S7'37). Thereafter, steps S716 to S719 and S801 are the same as those shown in FIG. 5'9, and therefore, description thereof will not be repeated.

As a result of the balance verification (S 718), if the payment amount transmitted from the POS terminal 27 is within the balance of the small account, the interface 139 of the mobile phone 13 is recorded in the POS terminal 27 in the RAMI 32. The transmitted one-time ID is transmitted (S738). Subsequently, the data processing unit 131 updates the small settlement history recorded in the RAMI 32 (S739). Specifically, the data processing unit 131 stores the payment amount, the payment date, the member store number of the real store 26, and the like transmitted from the POS terminal 27. Subsequently, the data processing unit 131 updates the balance of the small account recorded in the RAMI 32 (S740). Specifically, the data processing unit 131 records the new balance by subtracting the settlement amount from the balance of the small account. At this point, the balance of the small account of the mobile phone 13 is different from the balance of the small account of the clearing house 90.

Finally, the data processing section 131 displays the settlement completion together with the new balance of the small account on the display device 137 (S741).

In the POS terminal 27 of the real store 26, the interface unit 276 receives the one-time ID transmitted from the mobile phone 13 (S810).

Subsequently, the data processing unit 271 executes a sales accounting process based on the settlement amount (S811).

Subsequently, the interface unit 276 transmits the settlement contents such as the one-time ID, the settlement date, the settlement amount, and the customer number together with the member store number to the settlement institution 90 (S805).

In the server 92 of the payment institution 90, the data processing unit 921 receives the payment content transmitted from the POS terminal 27 (S1333), and updates the deposit history 920 of the member store based on the received payment content. (S1355). Subsequently, the data processing section 921 sends a notification to the effect that the payment has been approved to the real store 26 (S1324). The POS terminal 27 of the real store 26 receives the notification of the payment approval transmitted from the settlement institution 90 (S806).

Finally, the data processing section 921 calculates the total payment amount for one month at the end of the month, for example, and executes the payment processing for the real store 26 (S1325).

In the above-described fourth embodiment, the server 30 of the mobile phone company 10 transfers the key code transmitted from the mobile phone 13 to the server 92 of the settlement institution 90 as it is. The key code transmitted from 3 may be converted into another key code corresponding to the key code on a one-to-one basis, and transmitted to the server 92 of the settlement institution 90. In addition, one-time ID is downloaded when transferring to a small account, but automatically every time the user 12 accesses the service site provided by the payment institution 90 with the mobile phone 13. You may download a new one-time ID. In this case, the security of the one-time ID is further increased because the frequency of updating is increased.

In addition, the one-time ID is converted into a one-dimensional or two-dimensional barcode image, and the barcode displayed on the mobile phone 13 is optically read by the POS terminal 27 reader at the time of payment at a real store. You may. In this case, it is not necessary to attach a dedicated device for reading information from the mobile phone 13 to the P-S terminal 27, and an existing bar code reader may be used. Also, the balance of the small account may be added to the one-time ID barcode.

According to the fourth embodiment of the present invention, the settlement institution 90 obtains the key code output from the mobile phone 13 and authenticates the user 12. You don't depend on company 10. Therefore, this service can be provided only by the settlement company 90.

In addition, a small account is set up separately from the virtual account, and when making a payment at a real store, the virtual account is transferred to the small account in advance, and the price is paid from the small account. Unlike the second embodiment, the balance of the virtual account does not change to the true balance. In addition, the clearing house issues a one-time ID to enable withdrawal from the small account, and the one-time ID is valid and the settlement amount remains in the small account. The mobile phone 13 outputs a one-time ID to the POS terminal 27 only when the distance is within a high range, and the POS terminal 27 completes the payment based on this one-time ID, thereby increasing security.

A predetermined program is installed in each of the computers. Each of these programs is for causing a corresponding computer to execute a series of steps arranged in each column shown in the flowchart. Each program can be recorded and distributed on a computer-readable medium such as CD-ROM.

The embodiments disclosed this time are to be interpreted in all respects as illustrative and not restrictive. The scope of the present invention is defined by the terms of the claims, not the embodiments described above, and is intended to include any modifications within the scope and meaning equivalent to the terms of the claims. Industrial applicability

The present invention is applicable to a settlement service using a mobile phone.

Claims

' The scope of the claims

1. A method of mediating settlement between a seller and a buyer who is a user of a mobile phone, comprising: a computer having a first account for storing money of the user;

Receiving a desired amount transmitted from the mobile phone;

Depositing the received desired amount into the first account of the user and updating the balance of the account;

Sending the updated balance of the first account to the mobile phone-receiving a payment amount;

The received payment amount reduced from the balance of the first account;

Paying the received payment amount to the seller.

2. The method of claim 1, further comprising charging the user for the received desired amount.

3. Receiving the identification information transmitted from the mobile phone;

Authenticating the user based on the received identification information.

4. The method according to claim 3, wherein the identification information includes user-specific information unique to the user.

5. The method according to claim 4, wherein the user-specific information includes a telephone number of the mobile phone.

6. The method of claim 5, wherein the user-specific information further comprises a password.

7. The method according to claim 4, wherein the user-specific information includes a user identifier assigned to the user in advance. · '

8. The method of claim 7, wherein the user specific information further comprises a password.

9. The method according to claim 4, wherein the identification information further includes telephone-specific information specific to the mobile phone.

10. The method of claim 9, wherein the phone-specific information includes a serial number of the mobile phone.

11. The method of claim 9, wherein the phone-specific information includes a subscriber identifier of the mobile phone.

12. The method according to claim 11, wherein the subscriber identifier is transmitted via a cellular telephone office.

1 3. The computer further has a second account,

Receiving the transfer amount transmitted from the mobile phone;

Transferring the received transfer amount from the first account to the second account;

Generating a one-time identifier to enable the balance of said second account to be transmitted to said mobile phone.

14. The method of claim 1, wherein the computer is located at a mobile phone company.

15. The method of claim 1, wherein the computer is provided at a clearing house.

16. The method of claim 1, wherein the computer is located at a financial institution.

17. A method for mediating settlement between a seller and a buyer who is a user of a mobile phone, comprising: a computer of a financial institution having an account for accumulating money of the user;

Receiving a payment amount from a computer of the mobile phone office;

Subtracting the received payment amount from the balance of the account;

Paying the received payment amount to the seller.

18. receiving the amount transmitted from the mobile phone via a computer of the mobile phone station;

Transferring the received amount to the user's account and updating the balance of the account;

Transmitting the updated account balance to the mobile phone via a computer at the mobile central office.

1 9. A mobile phone used for settlement between a seller and a buyer who is a mobile phone user and having access to a computer having a first account for storing the user's money. ,

Enter the desired amount to be credited to the first account according to the operation of the user Input means for

Transmitting and receiving means for transmitting the input amount to the computer and receiving the balance of the first account transmitted from the computer;

Means for storing the received balance of the first account.

20. The mobile phone according to claim 19, wherein said transmitting / receiving means further transmits identification information necessary for authentication of said user to said computer.

21. The method according to claim 20, wherein the identification information includes user-specific information unique to the user.

22. The method according to claim 21, further comprising means for storing the user-specific information.

23. The mobile phone according to claim 21, wherein the user-specific information includes a telephone number of the mobile phone.

24. The mobile phone according to claim 23, wherein the user-specific information further includes a password.

25. The mobile phone according to claim 21, wherein the user-specific information includes a user identifier assigned to the user in advance.

26. The mobile phone according to claim 25, wherein the user-specific information further includes a password.

27. The mobile phone according to claim 21, wherein said identification information further includes telephone-specific information unique to said mobile phone.

28. The telephone according to claim 27, further comprising: means for storing the telephone-specific information.

29. The phone of claim 28, wherein the phone-specific information includes a serial number of the mobile phone.

30. The mobile phone according to claim 28, wherein said telephone-specific information includes a subscriber identifier of said mobile phone.

3 1. The transmitting and receiving means further receives the settlement amount,

The computer further comprises means for storing the payment amount received by the transmission / reception means, wherein the transmission / reception means further reads out the stored payment amount, and The mobile phone according to claim 19, wherein the mobile phone transmits the mobile phone.

32. The mobile phone according to claim 31, further comprising: means for subtracting the stored payment amount from the stored balance of the first account.

3 3. The computer further has a second account,

The input means inputs a transfer amount to be transferred from the first account to the second account in accordance with an operation of the user,

The transmitting / receiving means further transmits the input transfer amount to the computer, and the transmitting / receiving means further receives a one-time identifier for enabling the balance of the second account,

Means for determining whether the one-time identifier is valid,

As a result of the determination of the one-time identifier, when the one-time identifier is valid, a means for determining whether the settlement amount received by the transmitting / receiving means is within the balance of the second account,

Means for outputting the received one-time identifier when the settlement amount is determined to be within the balance of the second account,

33. The mobile phone according to claim 31, further comprising: means for subtracting the payment amount from the second account.