WO2002013081A1 - Systeme de reglement pour magasin sur internet - Google Patents

Systeme de reglement pour magasin sur internet Download PDF

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Publication number
WO2002013081A1
WO2002013081A1 PCT/JP2001/006755 JP0106755W WO0213081A1 WO 2002013081 A1 WO2002013081 A1 WO 2002013081A1 JP 0106755 W JP0106755 W JP 0106755W WO 0213081 A1 WO0213081 A1 WO 0213081A1
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WO
WIPO (PCT)
Prior art keywords
customer
payment
information
identification information
payment system
Prior art date
Application number
PCT/JP2001/006755
Other languages
English (en)
Japanese (ja)
Inventor
Norihide Osatani
Original Assignee
Norihide Osatani
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Norihide Osatani filed Critical Norihide Osatani
Publication of WO2002013081A1 publication Critical patent/WO2002013081A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

Definitions

  • the present invention relates to a payment system in a net shop where a user accesses a home page by using a terminal connectable to the Internet and purchases products online.
  • the present invention has been made in view of the above circumstances, and a problem thereof is that when a user purchases a product online using a terminal that can be connected to the Internet, the payment system in an online shop has been improved in terms of security. » ⁇
  • the payment system in the online shop according to the present invention is:
  • the payment settlement screen is configured to input identification information of a customer's mobile terminal
  • the present invention is characterized in that payment for the purchased product is made based on the input identification information.
  • examples of the terminal that can be connected to the Internet include a personal computer, a Web TV, a mobile phone, and a mobile terminal such as a PHS.
  • a personal computer access any homepage using these terminals, display the homepage screen on the display screen of the terminal, perform operations for purchasing products (selection of products, etc.), and settle payment on the display screen.
  • the identification information of the mobile terminal is input as information for identifying the customer who purchased the product.
  • identification information is normally safe to be known to others, so it can be said that it is more secure than credit card payment. Therefore, the configuration of the present invention can provide a payment system with improved security.
  • a mobile terminal for example, a mobile phone
  • a determination unit for determining whether or not the input identification information is valid based on customer management information.
  • PHS PHS
  • prepaid mobile terminals can be purchased and contracted anonymously, if the identification information of the prepaid mobile terminal is input, it is highly likely that the person who purchases the product cannot be identified.
  • -2-Replacement form (Rule 26) Can be determined based on customer management information possessed by a mobile terminal company or the like. In addition, there are cases where mobile terminals are stolen or lost. In such a case, it is possible to determine that the input identification information is not legitimate, and take measures such as notifying with error information or warning information. Thus, a more secure system can be provided.
  • the mobile terminal that identifies the person who purchases the product may or may not have an Internet connection.
  • a telephone number dedicated to settlement is displayed on the display screen of the terminal.
  • a customer is called by a telephone number dedicated to payment for confirmation, and an attempt is made to make a final confirmation of the order contents of the product. This enables more secure net shopping.
  • guidance information transmitting means for transmitting guidance for confirming a purchased product by a customer calling with the telephone number dedicated to the settlement
  • An authentication method for final confirmation of product purchase based on a customer's confirmation input is provided.
  • a system that allows the user to input the telephone number of the mobile phone is used as the identification information.
  • the phone number of a mobile phone can be considered as identification information for identifying an individual.
  • the system according to the present invention is more secure than a system in which a credit card number is entered and payment is made. It can be said that it is a system.
  • a customer database for registering customer information in advance when the customer uses the net shop, and second identification information is given to the customer at the time of the registration.
  • One provided with identification information providing means is provided.
  • the customer needs to register customer information.
  • the customer information includes, for example, name, address, home (work) telephone number, mobile telephone number, and the like.
  • Such customer information is registered in the customer database.
  • the customer can use the net shop according to the present invention.
  • the customer is given the second identification when making this registration.
  • the term “secondary” is used to mean that it is different from the identity of a mobile device.
  • the second identification information can be used as information for identifying a customer or information for authenticating a customer.
  • the second identification information can be constituted by an appropriate combination of arbitrary characters 'numeral' signs.
  • the second identification information on the payment settlement screen By inputting the second identification information on the payment settlement screen, it can be used as information for customer authentication.
  • the second identification information is a dedicated mail address given to a customer.
  • an e-mail for authentication can be sent to this e-mail address.
  • the customer can authenticate the customer by following the procedure described in the e-mail sent. For example, by replying to the sent e-mail in the reply mode, customer authentication is completed.
  • a mail server which transmits an e-mail containing information for confirming purchased merchandise to the e-mail address after the e-mail address is inputted. Items.
  • Fig. 1 shows a schematic procedure for online shopping using a mobile phone.
  • Figure 2 shows the contents of the display screen when performing mobile phone and online shopping
  • Figure 3 is a conceptual diagram showing the first system that constitutes a payment system in an online shop
  • Figure 4 is a conceptual diagram showing the second system that constitutes the payment system in the online shop
  • FIG. 5 is a conceptual diagram showing a payment system according to another embodiment.
  • Fig. 6 is a flow chart showing a schematic procedure for online shopping in the system of Fig. 5. The best mode for carrying out the invention
  • Figure 1 is a schematic diagram showing the outline of the procedure when conducting online shopping using a terminal that can connect to the Internet.
  • FIG. 2 is a diagram showing the terminal and the contents of the display screen when online shopping is performed.
  • FIG. 3 is a conceptual diagram showing a first system constituting a payment system in an online shop according to the present invention.
  • FIG. 4 is a conceptual diagram showing the second system in the same manner.
  • FIG. 2 shows a personal computer and a mobile phone as terminals 1.
  • the mobile phone has a display screen 10 using liquid crystal
  • the personal computer also has a display screen 10 using liquid crystal or the like. 1, “#” key 12, “*” key 13, decision key 14, etc. are provided.
  • the terminal 1 is not limited to these, but may be a Web TV, a PHS, a wristwatch, a game machine, or the like. In short, any terminal may be used as long as it can be connected to the Internet.
  • a customer U can access a www server 2a, 2b... 2n using a terminal 1 such as a personal computer or a mobile phone to browse a homepage.
  • the homepage described here is a homepage established by a store that sells products for customers to do online shopping. Note that the home page here may be such that the shop is opened by the shop itself, or may be a shop that opens in a shopping mall (virtual shopping street).
  • Each of the servers 2a to 2n has a function as product selection screen display means 20 for displaying a screen for selecting a product on the display screen 10 of the terminal 1.
  • the servers indicated by A, B, and C at the bottom of FIG. 3 are the servers owned by the mobile phone company.
  • Each of the servers A to C includes a judgment means 30 as described later, a settlement number notification means 31, and a guidance. It has the functions of the information transmission means 32 and the authentication means 33. These functions can be realized by software installed on each of the servers A to C.
  • each mobile phone company has a database DB (customer management information) for managing information on contracted customers. This database DB stores information such as the customer's name, address, e-mail address, prepaid or not, gender and age corresponding to the mobile phone number.
  • Another server 50 is interposed between the servers 2a to 2n where the homepage information of each store is stored and each of the servers A to C of the mobile phone company.
  • the terminal 1 is used to access the homepage of the store (or shopping grooming store) where the product is to be purchased, and the homepage screen is displayed on the display screen 10 (step # 1).
  • An example of the display screen is shown in FIG.
  • the screen shifts to a screen (product selection screen) for selecting the product to be purchased from this screen.
  • the payment screen 42 includes a first input area 42a for inputting a mobile phone number as identification information of a mobile phone, a second input area 42b for inputting an e-mail address, and a second input area 42b for inputting an address. 3 input areas 4 2c are provided. The total price of the purchased (selected) product is also displayed. Note that various configurations are possible for the configuration example of the display screen, and the display screen is not limited to a specific configuration. Also, the content constituting the homepage is not limited to text information, and image information may be used.
  • the customer inputs information into each of the input areas 42a to 42c. If the delivery destination of the product to be purchased is the same as the address when the mobile phone contract was made, the address need not be entered in the third input area 42c. If necessary, information for identifying the mobile phone company may be input.
  • the payment settlement screen 42 is provided (linked) by the server 50 regardless of which homepage is accessed, and can be set in a format common to each store. Can simplify the system.
  • the database DB also stores information on whether the prepaid type is> or not, so that it is possible to easily determine whether or not it is a prepaid type from the transmitted telephone number.
  • the judging means 30 judges whether or not the telephone number of the mobile phone is legitimate, and sends information to the server 50 to the ⁇ determined to be not legitimate. Then, an error display (or a warning display) is displayed on the display screen 10 of the mobile phone 1 (# 13). As a result, commercial transactions by online shopping will not be established.
  • a phone number dedicated to settlement is notified. This is a function of the settlement number notifying means 31 of the server B of the mobile phone company.
  • the telephone number notified from the server B is displayed on the display screen 10 of the terminal 1 via the server 50 (# 7).
  • This telephone number can be found on the Internet 1-8 Replacement Sheet (Rule 26) This is set each time online shopping is performed in a shop, and is set randomly (for example, by using a random number table) from available phone numbers. The random settings increase the security of e-commerce.
  • the telephone number dedicated to settlement may be a normal telephone number or a shortened number.
  • the customer who wants to purchase the product calls using the displayed phone number for payment (# 8). This is to perform voice guidance authentication for the purchased product, and such a system configuration is shown in FIG.
  • the authentication server 50 transmits an e-mail ML for instructing the computer to be shipped to the personal computer of the store 51 where the product is sold.
  • the electronic mail MU may be configured to be delivered from the server 1B of the mobile phone company.
  • Store 51 sends the goods on the specified date (# 11).
  • the mobile phone company will send an invoice to the customer who purchased the product, in which the price of the product is added to the normal mobile phone charge (# 12).
  • a shipping completion mail is sent from the store 51 to the supermarket 50. The customer can confirm that the product has been sent by receiving this e-mail.
  • the mobile phone company pays the merchandise to the store 51 by an appropriate method. Also, after the business transaction is completed, the customer can enter a specific password and enter the replacement form (Rule 26). Details can be confirmed on the homepage 52. This statement confirmation home page 52 can be viewed until the shipment of the product is completed.
  • FIG. 5 is a conceptual diagram of a system according to another configuration example.
  • FIG. 6 is a flowchart showing a schematic procedure for performing online shopping in the system of FIG. 5.
  • Customer U can access the www server 2a, 2b ⁇ ⁇ ⁇ 2n using the terminal 1 such as a personal computer or a mobile phone to browse the homepage.
  • Each of the servers 2 a to 2 n has a function of a product selection screen display means 20 for displaying a screen for selecting a product on the display screen 10 of the terminal 1.
  • the server 60 has the function as the settlement screen display means 21 already described, the identification information adding means 62, the mail sending means 63, the information analyzing means 64, the order number creating means 65, the authentication. It has each function such as the means 66. Each of these functions can be realized by a computer program installed on the server 60.
  • the server 60 has a customer database 61 in which customer information is registered. This database 61, unlike the one shown in FIG. 3, is constructed independently.
  • the identification information assigning means .62 assigns identification information (second identification information) to the customer when registering various information of the customer in the customer database 61.
  • the identification information can be constituted by an arbitrary combination of characters such as a 'numeric' sign.
  • a dedicated mail address is assigned as the second identification information.
  • the mail transmission means 63 has a function of automatically transmitting an e-mail to the terminal 1 of the customer. This e-mail is required to confirm the purchased product and to authenticate the customer.
  • the information analyzing means 64 convinceds the content of the information transmitted from the terminal 1 of the customer and makes a comparison judgment with the registered content of the database 61. Order number creation method 6 5
  • the authentication means 66 authenticates the customer.
  • FIG. 5 illustrates a single server 60
  • the present invention is not limited to this, and may be configured with multiple servers to distribute functions. As a result, the load on the server can be reduced.
  • the terminal 1 is used to access a homepage of a store (or a shopping mall) at which a product is to be purchased, and a homepage screen is displayed on the display screen 10 (# 20).
  • An example of the display screen is shown by figure number 40 in FIG.
  • Customers must register to use the product purchase service on this website.
  • a registration button (not shown) shown on the display screen is clicked to display a member registration screen (not shown).
  • the customer enters necessary items on this registration screen. For example, customer name, address, home (work) phone number, mobile phone number, credit card number, etc.
  • the credit card number is entered only when registering.
  • the customer After entering all necessary items, the customer sends the input data. It is preferable that the transmission of the data is performed in a manner different from that of the first embodiment.
  • the input data is transmitted to the server 60, the contents of the input data are analyzed by the function of the information analysis means 64, and the customer information is registered in the customer database 61 (# 21).
  • a dedicated mail address as second identification information is given by the function of the identification information providing means 62 (# 22).
  • the dedicated mail address is given, the customer sets the mail on the terminal 1 so that it can be used.
  • This dedicated mail address may be used as a Web mail set on the Web.
  • the payment screen 42 includes a first input area 42a for inputting a mobile phone number, which is identification information of a mobile phone, and a second input area 42a for inputting the dedicated e-mail address given in step # 22.
  • a second input area 42b and a third input area 42c for inputting an address are provided.
  • the total price of the purchased (selected) product is also displayed. It is to be noted that the configuration example of the display screen is not limited to the illustrated example, as described above.
  • the customer inputs information to the input areas 42a to 42c, respectively (# 25).
  • the payment screen 42 is provided (linked) by the server 160 no matter which website is accessed, and can be set to a common format for each store. It can be simplified.
  • the input data is transmitted to the server 60.
  • the contents of the input data are analyzed by the function of the information analysis means 64. More specifically, it checks whether the data is input data from a customer registered in the customer database 61. For example, it is determined whether the contents such as the input mobile phone number and the mail address are registered (# 26). If a match with the data registered in the database 61 cannot be confirmed, an error message is displayed on the display screen of the terminal 1 (#
  • the customer checks the content of the email. In other words, the user confirms whether the product he / she purchased through online shopping is powerful or not wrong (# 29). If the contents can be confirmed, the transmitted mail is returned as it is in the reply mode (# 30). When the authentication means 66 confirms that the mail has been returned in the reply mode, it means that the commercial transaction of the product purchase has been officially established.
  • the shipment of the goods and the actual payment of the price may be the same as those already described in FIG.
  • the present invention is not limited to the embodiments shown in FIGS. 1 to 6, and various forms can be adopted as long as the object of the present invention can be achieved. For example, the following modifications are available.
  • a mobile terminal not only a mobile phone:
  • the present invention can be applied to a case where a mopile terminal such as a PHS is used.
  • the final confirmation of the purchased product is performed by voice guidance. Instead, the screen of the dedicated homepage for confirming the order content is displayed on the display screen 10 of the terminal 1. Final confirmation may be performed.
  • the payment settlement screen 42 has three input areas 42a to 42c.
  • the payment settlement screen 42 may include only the first input area 42a for inputting a mobile phone number.
  • the function of the guidance information transmitting means 32 and the function of the authentication means 33 are provided in the server B of the mobile phone company, but instead, the authentication server 50 may have the functions. May be configured.
  • the concept of product purchase in the present invention includes the provision of services such as reservation of accommodation facilities and sale of various tickets.
  • a mail address is used as the second identification information, but any other combination of letters, numbers, and signs may be used.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

La sécurité est améliorée par transmission d'informations d'identification personnelle d'un risque moindre comparé à celui que constitue un numéro de carte de crédit pour le client lorsque celui-ci achète un produit sur l'Internet. Le client accède à la page Web du magasin par l'intermédiaire d'un ordinateur personnel ou d'un téléphone mobile (10), il effectue une opération d'achat et transmet, par exemple, le numéro de téléphone du téléphone mobile du client en tant qu'information d'identification à un serveur (50). La compagnie téléphonique reçoit le numéro téléphonique du serveur, elle vérifie si le client est un abonné authentique et envo
PCT/JP2001/006755 2000-08-08 2001-08-06 Systeme de reglement pour magasin sur internet WO2002013081A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
JP2000-239589 2000-08-08
JP2000239589 2000-08-08

Publications (1)

Publication Number Publication Date
WO2002013081A1 true WO2002013081A1 (fr) 2002-02-14

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PCT/JP2001/006755 WO2002013081A1 (fr) 2000-08-08 2001-08-06 Systeme de reglement pour magasin sur internet

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP7516931B2 (ja) 2020-07-07 2024-07-17 大日本印刷株式会社 注文管理システム

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5617470A (en) * 1995-06-02 1997-04-01 Depasquale; George B. Apparatus and method for preventing unauthorized access to a system
US5736932A (en) * 1996-07-03 1998-04-07 At&T Corp Security for controlled access systems
US5778173A (en) * 1996-06-12 1998-07-07 At&T Corp. Mechanism for enabling secure electronic transactions on the open internet
JPH10243118A (ja) * 1996-12-27 1998-09-11 Nippon Telegr & Teleph Corp <Ntt> 広域コンピュータ網上のクレジット決済方法、その端末及びプログラム記録媒体
JPH10289267A (ja) * 1997-04-15 1998-10-27 Sony Corp 情報管理装置および方法、並びに情報管理システム
JPH11143946A (ja) * 1997-11-10 1999-05-28 Sharp Corp データ通信端末及びデータ通信端末制御プログラムを記憶した媒体

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5617470A (en) * 1995-06-02 1997-04-01 Depasquale; George B. Apparatus and method for preventing unauthorized access to a system
US5778173A (en) * 1996-06-12 1998-07-07 At&T Corp. Mechanism for enabling secure electronic transactions on the open internet
US5736932A (en) * 1996-07-03 1998-04-07 At&T Corp Security for controlled access systems
JPH10243118A (ja) * 1996-12-27 1998-09-11 Nippon Telegr & Teleph Corp <Ntt> 広域コンピュータ網上のクレジット決済方法、その端末及びプログラム記録媒体
JPH10289267A (ja) * 1997-04-15 1998-10-27 Sony Corp 情報管理装置および方法、並びに情報管理システム
JPH11143946A (ja) * 1997-11-10 1999-05-28 Sharp Corp データ通信端末及びデータ通信端末制御プログラムを記憶した媒体

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP7516931B2 (ja) 2020-07-07 2024-07-17 大日本印刷株式会社 注文管理システム

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