WO2002084551A1 - Systeme de paiement postal au moyen d'un numero de telephone en tant que cle - Google Patents

Systeme de paiement postal au moyen d'un numero de telephone en tant que cle Download PDF

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Publication number
WO2002084551A1
WO2002084551A1 PCT/JP2002/003582 JP0203582W WO02084551A1 WO 2002084551 A1 WO2002084551 A1 WO 2002084551A1 JP 0203582 W JP0203582 W JP 0203582W WO 02084551 A1 WO02084551 A1 WO 02084551A1
Authority
WO
WIPO (PCT)
Prior art keywords
user
server system
telephone number
authentication
payment
Prior art date
Application number
PCT/JP2002/003582
Other languages
English (en)
Japanese (ja)
Inventor
Masaru Tamaoki
Akira Nakazawa
Original Assignee
Yugengaisha Akki
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 Yugengaisha Akki filed Critical Yugengaisha Akki
Publication of WO2002084551A1 publication Critical patent/WO2002084551A1/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
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/47—Fraud detection or prevention means
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/70—Administration or customization aspects; Counter-checking correct charges
    • H04M15/745—Customizing according to wishes of subscriber, e.g. friends or family
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/80—Rating or billing plans; Tariff determination aspects
    • H04M15/8083—Rating or billing plans; Tariff determination aspects involving reduced rates or discounts, e.g. time-of-day reductions or volume discounts
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0108—Customization according to wishes of subscriber, e.g. customer preferences, friends and family, selecting services or billing options, Personal Communication Systems [PCS]
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0148—Fraud detection or prevention means
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0184—Details of billing arrangements involving reduced rates or discounts, e.g. time-of-day reductions, volume discounts, cell discounts, group billing, frequent calling destination(s) or user history list

Definitions

  • the present invention provides a server for online post-payment payment, which enables users to authenticate and receive a paid service immediately by using a nearby telephone and to provide a paid service while maintaining the anonymity of the user.
  • a server for online post-payment payment which enables users to authenticate and receive a paid service immediately by using a nearby telephone and to provide a paid service while maintaining the anonymity of the user.
  • the payment settlement institution specifies the payer based on the caller number. After that, the payment settlement institution authenticates the payer using a PIN, fingerprint, voiceprint or signature. Then, by transmitting and receiving data between the payer and the payment settlement institution, payment settlement, confirmation of the unpaid amount, and confirmation of the credit balance are performed.
  • the user must communicate with a payment settlement institution such as a credit card company, and the payment settlement period is directly received from the user. All information, such as whether or not such a paid service was used, is transmitted, which poses a problem from the viewpoint of privacy. But Cannot promote the use of users.
  • the service supply device when the service supply device authenticates a pre-registered user, the telephone number of the user's telephone is registered before the authentication, and the user can use the telephone to register the CTI (computer telephony integration) Make a call to the server.
  • the information processing device such as the CTI server generates a password and transmits it to both the user and the service supply device.
  • the service supply device compares the transmitted password with the password entered by the user, and if both match, supplies the service to the user.
  • the above one-time password which is very effective in terms of security 1 "life and confidentiality, is different every time a small paid service, such as browsing a paid information service or paid content. If passwords are issued and input is made, it will be difficult to manage passwords, etc., and it will not be possible to promote the use of users. Although it is desirable to reduce the risk for a paid service provider by paying in the future, it is sufficient to authenticate the user and determine the user's credibility without necessarily using a strict one-time password. Disclosure
  • the present invention solves the above-mentioned problems, and provides authentication by using a nearby telephone so that a paid service can be immediately received, and a paid service can be provided while maintaining anonymity of the user. And to provide a server system for online postpaid payments.
  • the invention according to claim 1 is a server system for accessing from a user terminal device provided connected to a communication line represented by the Internet,
  • the server system can determine the caller ID when connecting via the communication line from the user terminal device,
  • a user database that stores personal information and billing information of the user
  • a blacklist database that stores blacklist information used for authentication processing
  • a control unit that performs user registration processing, authentication processing, billing processing, and the like.
  • the invention according to claim 2 is a server system for accessing from a user terminal device provided by being connected to a communication line represented by the Internet,
  • the server system can determine the caller ID when connecting via the communication line from the user terminal device,
  • a user database that stores personal information and billing information of the user
  • a blacklist database that stores blacklist information used for authentication processing
  • a control unit that performs user registration processing, authentication processing, billing processing, and the like.
  • the user collects personal information including the telephone number of the communication line used by the user terminal device.
  • the authentication is performed normally, it enables the provision of a paid service and the like, and performs a process of managing billing information when a fee for the provision of a paid service and the like is generated. It is characterized by being a server system for online postpaid payment and settlement.
  • the process in which the user registers personal information including a telephone number of a communication line used for connection from the user terminal device in advance in the user database includes accessing the server-system from the user terminal, A process of transmitting personal information including a telephone number used by the terminal device;
  • a server system receiving the personal information, determining whether or not the user can be registered by referring to the blacklist database;
  • the server system for online post-payment settlement according to any one of claims 1 and 2, characterized in that it is a process comprising:
  • the process for enabling the provision of the paid service or the like is a paid service or the like provided in a system provided by another company different from the server system,
  • a process for storing payment information when a user receives payment for billing information and updating the billing information based on the payment information The method according to any one of claims 1 to 4, wherein the personal information including the telephone number of the corresponding user is extracted and a process for enabling notification to the user is performed. It is characterized by being a server system. '
  • the server system for online post-payment payment according to claim 5, wherein a process of extracting personal information including the user and storing the personal information of the user in the blacklist database is performed. It is characterized by.
  • the deposit amount is less than the initial payment required date, the number of times is counted for each user and stored in the user database. If the number reaches the predetermined number, user registration And deleting the personal information, extracting personal information including the telephone number of the user, and storing the personal information of the user in the blacklist database. It is a server system for online post-payment payment described in the range 5 of the above.
  • FIG. 1 is a system configuration diagram showing a basic configuration of the present invention.
  • FIG. 2 is a flowchart showing a basic processing flow of the present invention.
  • FIG. 3 is a flowchart showing a basic processing flow of the present invention.
  • FIG. 4 is a flowchart showing a basic processing flow of the present invention.
  • FIG. 5 is an explanatory diagram showing an embodiment of the system of the present invention.
  • FIG. 6 is an explanatory diagram showing an embodiment of the system of the present invention. BEST MODE FOR CARRYING OUT THE INVENTION
  • a server system for online post-payment and settlement is a server system for accessing from a user terminal device provided connected to a communication line represented by the Internet.
  • FIG. 1 is a system configuration diagram showing a basic configuration of the present invention.
  • User terminal devices provided by users are shown in Fig. 1 as terminals and telephones that can be connected to the WEB.
  • User terminal devices include mobile phones with a browser function that can be connected to the Internet, etc.
  • Wireless communication terminals, portable information terminals, and computer terminals such as personal computers and workstations are used.
  • the computer terminal includes control means, storage means, input means, output means, display means, and the like.
  • Computer networks such as the Internet, are equipped with functions to send and receive connectives and data, and are usually equipped with application programs such as browsers, e-mail software, and single processors, and operating systems ( ⁇ S). It is a form.
  • user terminal devices include a wide range of devices such as Internet TVs, game devices, video conferencing systems, and other home appliances with network connection functions. Including.
  • the server system described above is shown as an administrator server in FIG. 1, and is usually provided by a system administrator who provides a postpaid system.
  • the general configuration of a server system consists of a www server, a database server, an application server, a mail server, and the like.
  • application server database server, authentication server, w
  • It is composed of an EB server, a mail server as required, and other various devices.
  • Each of these servers includes a form provided on the same physical device, a form composed of physically plural devices, and a form composed of physically plural devices connected via a network.
  • Various forms are included if functionally similar functions are realized.
  • the server system of the present invention includes storage means, control means, input means, output means, display means, and the like.
  • the database server is provided with a user database that stores personal information and billing information of the user, and a blacklist database that stores blacklist information used for authentication processing.
  • the application server includes control means for performing user registration processing, authentication processing, billing processing, and the like.
  • the server system includes a program for performing a user registration process, an authentication process, a charging process, a blacklist registration process, and the like based on data transmitted from the user terminal device.
  • FIG. 2, FIG. 3, and FIG. 4 are flowcharts showing a basic processing flow of the present invention. Note that the processing flow shown here is an example, and the present invention is not limited to this.
  • FIGS. 5 and 6 are explanatory diagrams showing an embodiment of the system of the present invention. First, processing for registering user information in the user database will be described.
  • the information to be registered must be personal information including the telephone number of the communication line used by the user terminal device. Information.
  • the WWW server transmits a registration screen file to the user terminal and is displayed on the user terminal.
  • the server system receives the data including the personal information and extracts the telephone number data included in the personal information.
  • the blacklist database is searched using the extracted telephone number as a key, and it is determined whether or not the input and transmitted telephone number exists in the data in the blacklist database.
  • a blacklist database is searched using personal information such as an e-mail address and name as a key, or a telephone number and personal information of a plurality of items such as an electronic mail address and name.
  • the search may be performed by searching a blacklist database using as a key. For example, even if the same user tries to register with a different telephone number, it can be judged by the blacklist database, which is an effective method.
  • the process proceeds to the next registration process.
  • a telephone number and password to be connected when using the paid service after user information registration are generated.
  • the password is a password composed of a combination of numerals, alphabets, symbols, and the like, and is generated by a predetermined logic using a random number or the like.
  • the telephone number to be connected when using the paid service is the telephone number to connect to the Internet by dial-up connection or the telephone number of the telephone line that provides the paid service, and the user's area (area of area code Etc.) Assign to each one.
  • the generated password and the telephone number to be connected to the assigned user are stored in the user database together with other personal information.
  • the generated data including the passcode and the telephone number to be connected to the assigned user is transmitted to the user terminal device and displayed.
  • the information may be transmitted and notified by electronic mail.
  • a call is made from the user terminal device to the telephone number to be connected to the user assigned at the time of user registration.
  • the call is made according to the setting for notifying the caller ID.
  • the caller ID notification service provided by NTT (trademark)
  • a call is made using the telephone number caller notification service (186) and used for authentication processing.
  • the server system it is determined whether or not the caller ID has been notified. If the caller ID has not been notified, the process ends without making a connection.
  • the caller ID has been notified, it is determined whether or not the data of the corresponding telephone number is stored by referring to the user database using the notified caller number as a key. If it is not stored, the phone number is not registered as a user, and the process ends without making a connection.
  • the corresponding telephone number If there is data of the corresponding telephone number, it is a telephone number registered as a user, and it is required to input a password to determine whether or not the user is the corresponding telephone number. Enters the password and sends it.
  • the password received by the server system is compared with the password of the user of the corresponding telephone number in the user database, and if they match, the authentication and verification are normally performed.
  • the authentication system of the present invention can be used in providing a paid service provided by a third party other than the business operator managing the server system of the present invention.
  • Paid services can be provided in various forms, such as providing paid audio content, providing paid information services, browsing paid websites, and purchasing products and services provided online. Can be used.
  • Billing information such as the amount charged for the paid service is stored in the user database.
  • a server system for accessing from a user terminal device connected to a communication line represented by the Internet, wherein the server system includes a user terminal device.
  • a user database that stores the user's personal information and billing information; a blacklist database that stores blacklist information used for authentication processing; Registration process, authentication process, section Control means for performing gold processing and the like. It is similar to the system described so far.
  • the process for the user to register personal information including the telephone number of the communication line used by the user terminal device in the user database in advance is omitted because it is common.
  • a call is made from the user terminal device to the telephone number to be connected to the user assigned at the time of user registration.
  • the call is made according to the setting for notifying the caller ID.
  • the caller ID notification service provided by NTT (trademark)
  • a call is made using the telephone number caller notification service (186) and used for authentication processing.
  • the server system it is determined whether or not the caller ID is notified. If the caller ID has not been notified, the process ends without making a connection.
  • a call is made to the caller telephone number notified from the server system to establish a connection.
  • the connection is normally established, and then authentication is performed by prompting for a password or the like.
  • a request for password entry is made, and the user enters and transmits a password at the user terminal device.
  • the password received by the server system is compared with the password of the user of the corresponding telephone number in the user database, and if they match, the authentication is normally performed.
  • the information is different from the personal information of the entered user and a re-entry is required.
  • the server system performs processing for storing the payment information when the user has received the payment information.
  • the payment information is stored in the corresponding user database.
  • the system receives the deposit information including the deposit amount and the deposit date for each user, and receives a user database. The data of the corresponding user is stored.
  • the server system administrator may make an input by using an input means such as a keyboard connected to the server system, and store the input.
  • the ability to subtract and update the deposited data from the billing information to determine whether or not the deposit amount is equal to the prescribed billing amount, and determine whether the deposit amount is equal to the prescribed charge amount If not, extract personal information including the user's phone number from the user database.
  • the extracted personal information data includes a telephone number that allows notification to the user and, if an e-mail address was registered at the time of user registration, this data is also included. ing.
  • the server system administrator issues a notification such as a reminder of payment to the user based on the personal information, the date is stored in the user database for each corresponding billing information.
  • a predetermined period can be calculated from the date by the timekeeping means provided in the server system, but the predetermined period is a predetermined payment grace period, for example, one month. This is the period for registering the blacklist if it is not fulfilled.
  • the period from the date of the initial payment required, instead of the date of issuing the dunning notice, can be calculated by the above-mentioned timing means.
  • the server system performs processing for storing the payment information when the user has made a payment for the billing information in the same manner as described above.
  • the payment information is stored in the corresponding user database.
  • the system receives the deposit information including the deposit amount and the deposit date for each user, and receives a user database. The data of the corresponding user is stored.
  • the server system administrator uses a keyboard or other input device connected to the server system to input data to the server system administrator! / It may be memorized.
  • the deposit grace period When the deposit grace period has elapsed, it is determined whether the deposit amount is equal to the predetermined charge amount. If the deposit amount is less than the predetermined charge amount, personal information including the telephone number of the corresponding user is determined. From the user database.
  • the personal information of the extracted user is deleted from the user database. This invalidates the user registration.
  • the information in the user database may not be deleted, but invalid data for which authentication processing is disabled may be stored so that the authentication currency cannot be used.
  • the number of times is counted for each user and stored in the user database.
  • the personal information of the corresponding user is extracted from the user database, and the extracted personal information of the user is deleted from the user database. This invalidates user registration.
  • the user database information is not deleted and the authentication process is disabled. It may be possible to store invalid data to prevent authentication currency from being used.
  • a process of storing the extracted personal information of the user in the blacklist database is performed. As a result, when the user attempts to register again, a process for rejecting the registration can be performed.
  • authentication can be performed by a nearby telephone or terminal device and a paid service can be immediately received, and a paid service can be obtained while maintaining anonymity of the user.
  • a system can be provided.

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Development Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un système de serveurs qui peut identifier un numéro d'expéditeur suite à une connexion par le biais d'une ligne de communication d'un terminal d'utilisateur et englober une base de données d'utilisateurs servant à stocker des informations personnelles d'utilisateurs et des informations de chargement, une base de données de listes noires servant à stocker des informations de listes noires, et un dispositif de contrôle servant à réaliser un enregistrement, une authentification, un chargement d'utilisateurs, et similaire. Un utilisateur effectue un enregistrement d'informations personnelles, y compris d'un numéro de téléphone dans la base de données d'utilisateurs et y accède à partir du terminal d'utilisateurs pour notifier un numéro de téléphone d'expéditeur. L'authentification est réalisée en fonction des informations personnelles comprenant le numéro de téléphone de l'expéditeur. Lorsque l'authentification est réalisée, un service exempt de charges peut être fourni. La gestion de l'information de chargement se fait, lorsque l'utilisateur est chargé.
PCT/JP2002/003582 2001-04-10 2002-04-10 Systeme de paiement postal au moyen d'un numero de telephone en tant que cle WO2002084551A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
JP2001-110863 2001-04-10
JP2001110863 2001-04-10

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WO2002084551A1 true WO2002084551A1 (fr) 2002-10-24

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JPH09114891A (ja) * 1995-10-13 1997-05-02 Sony Corp 情報処理装置および方法
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JPH11149502A (ja) * 1997-11-14 1999-06-02 Fujitsu Ltd 有償コンテンツサービス提供方法及びシステム及び有償コンテンツサービス提供プログラムを格納した記憶媒体及び会員管理装置及び会員管理プログラムを格納した記憶媒体
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SHIRAI, MORI: "Jisedai card kessai shudan heno torikumi to kadai mirai no takino cars shakai heno tenbo(bangai-hen)", CARD WAVE, vol. 12, no. 8, 10 July 1999 (1999-07-10), pages 50 - 54, XP002951839 *

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