WO2010013296A1 - Procédé de règlement et système de règlement à l'aide d'un terminal portable - Google Patents

Procédé de règlement et système de règlement à l'aide d'un terminal portable Download PDF

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Publication number
WO2010013296A1
WO2010013296A1 PCT/JP2008/002072 JP2008002072W WO2010013296A1 WO 2010013296 A1 WO2010013296 A1 WO 2010013296A1 JP 2008002072 W JP2008002072 W JP 2008002072W WO 2010013296 A1 WO2010013296 A1 WO 2010013296A1
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WIPO (PCT)
Prior art keywords
server
payment
carrier
seller
transaction
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PCT/JP2008/002072
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English (en)
Japanese (ja)
Inventor
金主漢
Original Assignee
ギルネット株式会社
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Publication date
Application filed by ギルネット株式会社 filed Critical ギルネット株式会社
Priority to PCT/JP2008/002072 priority Critical patent/WO2010013296A1/fr
Publication of WO2010013296A1 publication Critical patent/WO2010013296A1/fr

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    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • 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
    • G06Q20/20—Point-of-sale [POS] network systems

Definitions

  • the present invention relates to a settlement method and a settlement system used.
  • the merchant server is billing server information that identifies a mobile phone billing server that manages billing of a user mobile phone terminal specified by the user's mobile phone terminal.
  • the charging server information is transmitted to the user terminal.
  • the job-specific information and the order information are transmitted to the mobile phone billing server specified by.
  • the seller server identification information and the billing server information specifying the mobile phone billing server must be transmitted to an unspecified number of user terminals and mobile phone terminals. There is a contradiction in releasing information that must be concealed as information that can be the target of a net attack, and there is a drawback in information security.
  • Patent Document 2 Japanese Patent Application Laid-Open No. 2007-257474
  • the recipient portable terminal is attached to the delivery note.
  • Data required for settlement paragraph number 0025 information on customers (recipients) and information necessary for credit card payments (fees) included in the code and the recipient's mobile phone It is necessary to add data that can be used for authentication that is present in the terminal, and when sending payment completion notification data from the payment server of the mobile carrier, the delivery status and payment status are displayed.
  • the recipient's mobile terminal In order to send to the home delivery management device, the recipient's mobile terminal needs to have a function to encode data, and the delivery person's mobile terminal has a payment completion notification encoded by the recipient's mobile terminal. Reading the chromatography data needs to be transmitted to the delivery management apparatus
  • the code data printed on the delivery note can be read by a portable terminal other than the recipient's portable terminal, if it is leaked outside due to a mistake in the management of the delivery note (paragraph number 0025 information on customer (recipient), Since there is a risk that it can be easily read by a mobile device with a 2D barcode reader function (at least the information necessary for credit card payment regarding the price (fee) is included) Customer information or credit fundamentally Information necessary for card payment needs to be concealed, and the function of two-dimensionally coding the payment completion notification data is an additional function as a recipient mobile terminal and costs high. In addition, it is desirable that the recipient, the delivery person, the home delivery management device, and the carrier settlement server can easily check the consistent settlement status.
  • the purpose of this development is a mobile phone terminal as one of the items to be carried everyday, and the owner of the mobile phone terminal has already completed a billing contract "credit card or deposit account transfer" with the carrier.
  • the carrier can use the feature that can identify the contractor from the individual identification number, and the settlement can be made easily and safely by directly entering the settlement PIN registered in the carrier, and immediately.
  • Provided are a mobile payment method and a payment system in which a seller and a payment person can check payment contents.
  • a buyer is a party who receives goods, contents or services after paying the price at an online site and mobile commerce via the Internet, or a person who receives goods or services after paying the price in an offline environment such as a store.
  • the seller is the side that provides the goods, contents or services after receiving the price at an online site and mobile commerce via the Internet, or the side that provides the goods or services after receiving the price in an offline environment such as a store.
  • the carrier is a mobile communication service provider and a billing contract is concluded with the buyer's mobile terminal.
  • the individual identification number is information that can be used to identify an individual terminal to a mobile phone, and can be used to specify the mobile phone number and the contractor by using the individual identification number.
  • the online server for transaction communicates with the seller server via the Internet
  • the mobile terminal for transaction communicates with the seller server via the wireless communication network and the Internet
  • the seller server and the carrier payment server communicate via the Internet.
  • a mobile payment method and a payment system configured to be communicable with a carrier payment server via a wireless communication network from a buyer's portable terminal and performing payment processing from the buyer's portable terminal via a carrier “carrier”.
  • the seller server includes a Web server that performs a Web service and a database
  • the carrier settlement server includes a mobile Web server that performs a mobile Web service and a database
  • the seller server includes the online terminal for transaction or the mobile phone for transaction.
  • Request transaction information from terminal A unique transaction number is issued, and at least the amount of the transaction information is stored in the transaction information database using the transaction number as a key, and the broker site URL of the seller server and the transaction number are returned to the connection source.
  • the transaction online terminal or the transaction mobile terminal is provided with a means for notifying the buyer mobile terminal of the broker server URL and the transaction number of the seller server, and the buyer mobile terminal uses the seller server broker site.
  • the URL is received by the means for notifying the transaction number, and accessing the broker server URL of the seller server with the transaction number added as a parameter, the seller server via the wireless communication network and the Internet
  • the carrier site is accessed from the buyer's mobile terminal via the broker server's brokerage site.
  • a connection means is provided in the payment server, and at the time of connection from the buyer's mobile terminal, the carrier payment server acquires the connection source solid identification number from the request header information, and acquires the user ID of the billing contractor specified by the solid identification number A payment processing means is provided.
  • the buyer's mobile terminal When receiving a delivery item, the buyer's mobile terminal (recipient's mobile terminal) can communicate with the seller server via the wireless communication network and the Internet, and the seller server and carrier payment server can communicate via the Internet, and wirelessly from the buyer's mobile terminal.
  • a mobile payment method and a payment system configured to be communicable with a carrier payment server via a communication network and performing payment processing from a buyer mobile terminal via a communication carrier “carrier”.
  • the carrier payment server When receiving, reading the broker server URL and the transaction number of the seller server from the two-dimensional code printed on the delivery note, and accessing the broker server URL of the seller server with the transaction number as a parameter from the read data
  • the seller server via the wireless communication network and the Internet
  • connecting means from the buyer mobile terminal to the carrier payment server, and when connecting from the buyer mobile terminal, the carrier payment server acquires the connection source solid identification number from the request header information, and the solid identification number
  • the payment processing means is provided by acquiring the user ID of the billing contractor specified in (1).
  • the online server for transaction can be communicated with the seller server via the Internet
  • the mobile server for transaction can be communicated with the seller server via the wireless communication network and the Internet
  • the seller server and the carrier settlement server can communicate via the Internet.
  • a mobile payment method and a payment system that are configured to be communicable with a carrier payment server via a wireless communication network, and perform payment processing from a buyer's mobile terminal via a carrier “carrier”, wherein the online terminal for transaction is
  • the transaction portable terminal includes a wireless communication portable terminal operated by a buyer and a POS portable terminal for seller operated by a seller.
  • the means for notifying the buyer's mobile terminal of the broker server URL and the transaction number of the seller server according to claim 1, wherein if the online terminal for transaction is an online terminal operated by the buyer, the buyer is the online terminal for transaction Purchases goods and content from the seller via the Internet, selects mobile payment as the payment method, sends the transaction information to the seller server, and the seller server accepts the transaction information from the online terminal for transaction in the request Means for issuing a unique transaction number, storing at least the amount of money from the transaction information in the transaction information database using the transaction number as a key, and notifying the online terminal for transaction to the broker server URL and transaction number of the seller server
  • the buyer's mobile terminal is notified of the broker's brokerage site URL and transaction number received from the online terminal for transactions. And providing a means that.
  • the means for notifying the buyer mobile terminal of the broker server URL and the transaction number of the seller server according to claim 1, wherein the seller is a product or service if the transaction terminal is a POS cash register terminal in the store operated by the seller.
  • the seller After calculating the amount of money, select mobile payment as the payment method, send the seller ID and the total amount to the seller server, and when the seller server accepts the transaction information from the POS cash register terminal in the store, Means for issuing a transaction number, storing at least the seller ID and the amount from the transaction information in the transaction information database by using the transaction number as a key, and notifying the broker server URL and transaction number of the seller server to the POS cash register terminal in the store; Means is provided for notifying the buyer's mobile terminal of the received broker server URL and transaction number from the POS cash register terminal in the store.
  • the buyer is a wireless communication network and the Internet in the case where the mobile terminal is operated by the buyer.
  • selecting mobile payment as a payment method sending transaction information to the seller server, and when the seller server receives the transaction information from the transaction mobile terminal in the request, A unique transaction number is issued, at least the amount of money is stored in the transaction information database using the transaction number as a key, connection means is provided in the carrier settlement server, and the access site is changed.
  • the means for notifying the buyer mobile terminal of the broker server URL and the transaction number of the seller server according to claim 1, wherein the seller mobile terminal is a seller POS mobile terminal operated by the seller, After calculating the amount of service, select mobile payment as the payment method, send the seller ID and the total amount to the seller server via the wireless communication network and the Internet, the seller server receives the transaction information from the seller POS mobile terminal When the request is accepted, a unique transaction number is issued, and at least the seller ID and the amount are stored in the transaction information database from the transaction information using the transaction number as a key, and the broker server URL and transaction number of the seller server are stored in the seller information.
  • the means for notifying the POS mobile terminal for use and the broker site URL and transaction number of the received seller server are notified from the seller POS mobile terminal to the buyer mobile terminal. And providing a means.
  • a method of sending by mobile mail when the seller server accepts transaction information from the transaction terminal as a request, it is unique. Issue a transaction number, store at least the amount of money from the transaction information in the transaction information database using the transaction number as a key, and display the mobile mail address input farm screen on the transaction terminal using the broker server URL and transaction number of the seller server as parameters Then, a mobile mail address is input from the screen of the transaction terminal, and the mail is transmitted to the buyer's mobile terminal as a mail with the transaction number as a parameter in the broker site URL of the seller server.
  • a method of transitioning by reading a two-dimensional code when the seller server accepts transaction information from the transaction mobile terminal as a request
  • issue a unique transaction number store at least the amount of money from the transaction information in the transaction information database using the transaction number as a key
  • create an image of a two-dimensional code with the transaction number as a parameter in the broker site URL of the seller server Created and sent the screen with the created 2D code image to the transaction terminal, and the transaction number was attached as a parameter to the broker server URL of the seller server on the 2D code compatible mobile terminal from the screen of the transaction terminal 2 Dimension code information is read.
  • the transaction number is added as a parameter to the received broker server's broker site URL. It is characterized by accessing the brokerage site of the seller server by clicking the hyperlink.
  • the broker site URL of the seller server When accessing the broker server site of the seller server from the buyer's mobile terminal, if the broker site URL of the seller server is received by mobile mail, the received mail is opened, and the transaction number is added as a parameter to the broker site URL of the seller server It is characterized by accessing the brokerage site of the seller server by clicking on the hyperlink.
  • a hyperlink with the transaction number as a parameter in the intermediary site URL of the read seller server It is characterized by accessing the brokerage site of the seller server by clicking.
  • the transaction information database having access to the carrier payment server from the buyer's mobile terminal according to claim 1 via the broker server's brokerage site, wherein the database of the seller server has at least the transaction number, amount, payment category, and payment carrier ID.
  • Carrier information database having at least carrier ID of carrier, carrier settlement site URL, seller's store code, communication authentication data and identification / assembly key, and the broker server site of the seller server accepts a request from the buyer's mobile terminal
  • the carrier of the buyer mobile terminal is identified from the header information of the request, and the carrier settlement site URL, the store code of the seller, the communication authentication data, and the identification assembly key are obtained from the carrier information database using the identified carrier as a key.
  • the transaction that is a parameter of the request Get the amount from the transaction information database using the search key as a search key, set the carrier ID acquired from the carrier information database to the payment carrier ID of the transaction information database, provide access identification ID assembly means, and create the access identification ID
  • the URL of the carrier settlement site acquired from the carrier information database is redirected to the carrier settlement site with at least the transaction number, the amount, the store code and the access identification ID as parameters, and the carrier settlement site It is characterized by accessing.
  • the database of the carrier settlement server is a store that uses at least a user ID, a subscriber terminal database having a password, and a user ID associated with the user ID of the subscriber terminal database as keys.
  • a user ID e.g., a user ID associated with the user ID of the subscriber terminal database as keys.
  • the dealer name, settlement result notification URL, communication authentication data, identification assembling key, and deposit account e.g., a payment interface module that makes payment inquiries and payments between a credit card company with which the owner of the mobile terminal has made a billing contract or a banking system that applied for deposit account transfer and a carrier billing system
  • a partner store database with numbers e.g., a payment interface module that makes payment inquiries and payments between a credit card company with which the owner of the mobile terminal has made a billing contract or a banking system that applied for deposit account transfer and a carrier billing system
  • a partner store database with numbers e.g., a payment interface module that makes payment inquiries and payments between a credit card company with which
  • the buyer's mobile terminal accesses the carrier payment server from the buyer server's brokerage site according to claim 1, and the carrier payment server obtains the sales point code and the access identification ID from the request parameters when connected from the buyer's mobile terminal.
  • the communication authentication key and the identification assembly key are acquired from the affiliated store database using the store code acquired from the parameters as a search key, an access identification ID assembling means is provided, an access identification ID is created, and the created access identification ID If the access identification ID acquired from the request parameter matches, the access is permitted, and if it does not match, the access is rejected as an unauthorized access.
  • the access identification ID is created as the access identification ID assembling means
  • the communication authentication data is rearranged in the order indicated by the identification assembly key, and if there is no information of the identification assembly key, the communication authentication data remains as it is.
  • the access identification ID is obtained.
  • communication authentication data and identification assembly key of the carrier information database of the seller server In creating the access identification ID as the access identification ID assembling means, communication authentication data and identification assembly key of the carrier information database of the seller server, communication authentication data and identification assembly key of the affiliated store database of the carrier settlement server are: The seller server of the dealer affiliated with the communication authentication data and the identification assembly key of the partner database of the carrier settlement server in order to match the partner dealer code with the carrier ID and prevent unauthorized access The communication authentication data and identification / assembly key of the carrier information database are periodically updated from the carrier settlement server side.
  • the request header information is used to determine the connection source individual identification number and the request parameter from the amount and the store code. Acquire and use the individual identification number as a search condition, acquire the user ID from the subscription terminal database, pass the user ID and the amount as parameters to the payment interface module, and determine whether the user ID can be settled If the result of the inquiry is a non-payable user, a non-payable message is returned to the buyer's mobile terminal. If the result of the inquiry is a non-payable user, the parameter set by the connection means in the carrier payment server is requested.
  • the store name is acquired from the partner store database using the store code as a key, and at least the store name and the amount display data are transmitted to the buyer's mobile terminal to the password input screen.
  • the buyer confirms the store name and the amount displayed on the buyer's mobile terminal, and if there is no abnormality, inputs a settlement password on a password input screen and transmits it to the carrier settlement server.
  • the parameter stored in the session “memory”, the transaction number, the amount, the store code, and the user ID are acquired from the session “Memori”, and at least the store code is stored using the user ID as a key. , Register the transaction number and the amount in the subscriber settlement database.
  • the passing user ID and the amount of money as a parameter to the serial settlement interface module performs the settlement process.
  • the settlement result notification URL is acquired from the affiliated store database using the store code as a key, the carrier ID, the transaction number, and the amount are attached to the settlement result notification URL as parameters, and the seller server is connected.
  • the carrier ID, transaction number, and amount are acquired from the request parameters, and the transaction number, carrier ID, and amount are searched for in the transaction information database of the seller server. If they match, it is determined that the settlement is complete, the settlement information is updated to the settlement completion using the transaction number as a key in the transaction information database of the seller server, and the carrier settlement server settles the transaction number on the seller server side.
  • the carrier settlement server receives response data from the seller server, and commits the database if the status result is normal.
  • the database registration data after the start of the database transaction control is confirmed, the database transaction control is terminated, and if the status result is abnormal, the database is rolled back.
  • the registration data of the database after the start of the transaction control of the database is restored to the original state before registration, the transaction control of the database is terminated, and a screen for displaying the settlement processing result and a receipt mail are transmitted to the buyer mobile terminal. This makes it possible to maintain the consistency of the settlement data of the buyer's mobile terminal, seller server, and carrier settlement server, and to confirm the completion of settlement immediately by inquiring the transaction number from the transaction terminal to the seller server.
  • the buyer ID is set to a POS cash register terminal or a wireless communication POS cash register terminal, and at the time of settlement, transaction information including at least the amount and the seller ID is transmitted to the seller server, and the seller server accepts the transaction information from the transaction terminal in the request.
  • a unique transaction number is issued, and at least the amount of money and the seller ID are stored in the transaction information database from the transaction information using the transaction number as a key.
  • the owner of the mobile terminal is only for online transactions, net auctions, or mobile commerce payments via the Internet with the carrier and the billing contract "credit card or deposit account transfer" Instead, you can make payments inside and outside the store.
  • a payment action a payment process can be performed simply by connecting the mobile terminal to the carrier's payment site via the seller's brokerage site and inputting the password for payment on the mobile terminal. Since credit card information is not required, it is not necessary to enter a credit card number for settlement in online environment transactions, and a credit card can be given to a store clerk for settlement in offline environment transactions. Need not be read.
  • the buyer can easily and safely make payments directly by the mobile terminal owner for both online and offline transactions.
  • the feature is that the processing result can be confirmed.
  • the seller can share the payment processing result with the carrier's billing system, and individually for payment when opening an online commerce site or opening an offline environment. It becomes possible only by tie-up with a carrier without tie-up with a credit card company.
  • FIG. 1 is a configuration diagram of a payment system through a mobile communication service provider (carrier) of the present development, and a configuration diagram of payment after purchase of contents from a personal computer or a mobile phone terminal operated by a buyer or online shopping. It is.
  • a seller server device 10 a carrier server device 20, a buyer online terminal 30 such as a personal computer, and a buyer mobile phone terminal 40 are included.
  • the seller server device 10 includes a communication server 11, a Web server 12 that performs Web services via the Internet 99, and a database server 13 that manages a database 14 necessary for business.
  • the communication unit 11 is connected to the Internet 99 and exchanges various information via the Internet 99.
  • the Web server 12 includes an intermediary site URL response process 12a, a redirect process 12b, a settlement process result storage process 12c, a settlement process result inquiry process 12d, a two-dimensional code generation unit 12e, a transaction number generation unit 12f, and a transaction information storage unit of the seller server. 12g, a two-dimensional code image display screen transmission unit 12h, a mail transmission unit 12i, a communication identification ID assembly unit 12j, a recording unit 12k, an operation program storage unit 121, and communication authentication data and identification assembly key update processing 12m.
  • the database server 13 includes a carrier information database 14a and a transaction information database 14b for storing the transaction information obtained when the carrier 14 and the partner store contract are made in the database 14.
  • the broker server URL response process 12a of the seller server issues a unique transaction number by the transaction number generation unit 12f when receiving the transaction amount information and the seller ID via the Internet 99, and the transaction information storage unit 12g.
  • the transaction information database 14b an image file is created by the 2D code generation unit 12e using a character string with a transaction number added as a parameter to the broker site URL of the seller server, and the 2D code image display screen transmission unit 12h. This process returns a response to the connection source.
  • the broker server URL response processing 12a of the seller server calls the redirect processing 12b without responding to the connection source with the screen for displaying the two-dimensional code image, and redirects to the carrier settlement server. Connecting.
  • the redirect process 12b accepts a transaction number as a parameter from the buyer mobile phone terminal via the wireless base station 87, the mobile network 21, the gateway 22, and the Internet 99, the carrier ID is specified from the header information of the request, Using the specified carrier ID as a key, a carrier store partner code, carrier settlement URL, communication authentication data, and identification assembly key are acquired from the carrier information database 14a, and communication authentication data and identification assembly key are used as parameters in the communication identification ID assembly unit 12j.
  • the communication identification ID To obtain the value of the communication identification ID, acquire the amount from the transaction information database 14b using the parameter transaction number as a key, set the carrier ID in the transaction information database 14b, update it, and acquire it As URL parameters, transaction number, amount, ⁇ code, redirects with the communication identification ID, a process of connecting to a mobile Web server 23 via the Internet 99 and the gateway 22 and the mobile network 21.
  • the settlement processing result saving process 12c when receiving a request from the carrier settlement server with the transaction number, amount, and carrier ID as parameters, inquires from the transaction information database 14b using the transaction number, amount, and carrier ID as a key and matches. For example, it is processing for setting settlement completion to the settlement category and responding with the set status.
  • the settlement processing result inquiry process 12d when the seller's Web server 12 accepts a query request using the transaction number as a parameter, the transaction amount is used as a key from the transaction information database 14b, the settlement amount, the settlement date, the carrier ID, If the payment category is acquired and the payment category is payment completed, at least a transaction number and payment amount, payment date, and the response of the payment completion including the contents of the carrier name are responded. If the payment category is incomplete, at least the transaction number and payment amount This is a process for responding to an incomplete settlement including the contents of.
  • the two-dimensional code generation unit 12e is a process of creating a two-dimensional code image and storing the character string as an in parameter in the recording unit 12k.
  • the transaction number generation unit 12f is a process for issuing a unique number that identifies a transaction.
  • the transaction information storage unit 12g is a process of storing a unique transaction number for identifying a transaction, a seller ID for identifying a seller, and money amount information in the transaction information database 14b.
  • the two-dimensional code image display screen transmission unit 12h is a process of transmitting a screen for selecting a means for notifying the broker server URL and the transaction number of the seller server from the connection source transaction terminal to the buyer terminal.
  • the screen generated by the two-dimensional code image display screen transmission unit 12h is configured to input at least a two-dimensional code image and a mobile mail address.
  • the screen generated by the two-dimensional code image display screen transmitter 12h is a character string with a transaction number added as a parameter to the broker site URL of the seller server.
  • the screen generated by the two-dimensional code image display screen transmission unit 12h is composed of at least a two-dimensional code image and a BlueTooth transmission button.
  • the mail transmission unit 12i receives the screen from the two-dimensional code image display screen transmission unit 12h of the seller server when the connection source is the buyer online terminal, displays the screen on the online terminal display unit 34, and settles with the keyboard corresponding to the input unit 33 This is a process of inputting the mail address of the mobile phone terminal to be performed and transmitting it to the seller server, and transmitting the broker site URL and transaction number of the seller server to the received mail address of the mobile phone terminal.
  • the communication identification ID assembly unit 12j can know the communication identification ID by reorganizing the character string of the communication authentication data in the order indicated by the identification assembly key using the in-parameter communication authentication data and the identification assembly key. This is a difficult process.
  • the recording unit 12k is a hard disk of a Web server that stores an image of the two-dimensional code created by the two-dimensional code generation unit 12e.
  • the operation program storage unit 12l stores an operation program that defines the operation of the Web server 12.
  • the Web server 12 activates the program from the operation program storage unit 12l and the Web server 12 determines the operation program storage unit 12L. Realize the function.
  • the communication authentication data and identification / assembly key update processing 12m accepts a request for communication authentication data and identification / assembly key update from the carrier web server 23, obtains carrier ID, communication authentication data, and identification / assembly key from the request parameters.
  • the communication authentication data and identification assembly key in the carrier information database 14a are updated to the communication authentication data and identification assembly key acquired from the parameters using the key, and if the update is successful, a success status is returned as a response. If the update is unsuccessful, respond with a failure status.
  • the carrier server device 20 includes a gateway 22 for communication between the mobile network 21 that is a carrier dedicated network and the Internet, a mobile Web server 23 that performs mobile Web services, and a database server 24 that manages a database 25 necessary for business. Prepare.
  • the mobile Web server 23 includes an access authentication process 23a, a password input screen transmission unit 23b, a user authentication unit 23c, a settlement process 23d, a settlement process result notification process 23e for notifying the seller server of the settlement process result, and a settlement process for the buyer's mobile phone terminal.
  • An identification assembly key update process 23l and a receipt mail transmission unit 23m are provided.
  • the database server 24 includes, in the database 25, subscriber terminal information 25a that is obtained when the partner store contract is made with the affiliated terminal information 25a and subscriber settlement information 25c that stores the settlement information for the partner store that the user has set. .
  • the access authentication process 23a When accessing from the buyer's mobile phone terminal via the redirect process 12b of the seller server, the access authentication process 23a identifies a solid identification number from the header information of the request, and determines the transaction number, partner store ID, amount, The communication identification ID is acquired, the communication authentication data and the identification assembly key are acquired from the affiliated store information 25b using the acquired partner store ID as a key, and the communication authentication data and the identification assembly key are entered as parameters in the communication identification ID assembly unit 23i. Acquires the value of the communication identification ID, and if the communication identification ID obtained by assembling and the communication identification ID obtained from the request does not match, a warning message is transmitted to the mobile phone terminal of the connection source as an unauthorized access, and the process is terminated. To do.
  • the payment system interface module 23g is inquired about whether or not payment is possible using the acquired user ID and the amount as parameters, and the inquiry result indicates that payment is not possible. A message indicating that payment is not possible is sent as a response to the buyer's mobile phone terminal as the connection source, and the process is terminated. If the inquiry result can be settled, the user ID, affiliated store ID, transaction number and amount are stored in the memory (session) 23h, and the affiliated store name is obtained from the affiliated store information 25b using the affiliated store ID as a key, and a password input screen is transmitted. A response is transmitted to the buyer's mobile phone terminal of the connection source through the unit 23b.
  • the screen to be transmitted by the password input screen transmission unit 23b includes at least the owner name of the buyer's mobile phone terminal, the name of the affiliated store, the transaction number, the display item of the amount and the carrier name, and the PIN code input item for settlement.
  • the user authentication processing 23c inputs the password for settlement on the password input screen of the buyer's mobile phone terminal and transmits it to the mobile web server 23 of the carrier.
  • the mobile web server 23 acquires the password of the request parameter,
  • the individual identification number of the buyer's mobile phone terminal is specified from the header information, and the subscriber terminal information 25a is queried using the identification number and the personal identification number as search conditions. If they do not match, if the number of authentication failures is less than the predetermined number, the password input screen transmission unit 23b transmits the password input screen to the buyer's mobile phone terminal. It also locks up authentication for a period of time to prevent unauthorized use. If they match, the authentication is successful and the settlement process 23d is subsequently performed.
  • the user authentication process 23c succeeds, and the user ID, affiliated store ID, transaction number, and amount are acquired from the memory (session) 23h, and transaction control is started for data consistency of the database.
  • User ID, partner store ID, transaction number is set as key and payment date is set and registered in subscriber payment information 25c, user ID and money are used as parameters, and billing system interface module 23g is requested to perform payment processing. Process.
  • the settlement process result notification process 23e obtains a settlement notification URL from the affiliated store information 25b using the partner store ID as a key, and at least the carrier ID, transaction number, and amount are set as parameters in the settlement notification URL.
  • Set and access the seller's Web server that is the payment notification URL destination receive the status of the payment processing result storage process 12c from the seller Web server 12, and if the status is successful, commit the transaction, and if it fails. This is a process of maintaining the consistency of data by rolling back and matching the data on the seller side with the data on the carrier side.
  • the screen transmitted to the buyer's mobile phone terminal by the settlement processing completion screen transmission unit 23f is a screen that includes at least the owner's name of the buyer's mobile phone terminal, the name of the affiliated store, the transaction number, and the display item of the amount and carrier name. Send to phone terminal.
  • the billing system interface module 23g is an interface module that calls an inquiry about whether or not a subscribing user is able to settle when the subscribing user of the mobile phone terminal makes a settlement, and a process for performing the actual settlement. Including cooperation with not only the carrier billing system but also the bank system and credit card system that are affiliated with the carrier.
  • the memory (session) 23h is a memory that accesses the mobile Web server 23 of the carrier device 20 from the buyer's mobile phone terminal and temporarily stores related data in a series of processes for making a payment.
  • the communication identification ID assembly unit 23i It is extremely possible for the communication identification ID assembly unit 23i to know the communication identification ID by reorganizing the character string of the communication authentication data in the order indicated by the identification assembly key using the in-parameter communication authentication data and the identification assembly key. This is a difficult process.
  • the recording unit 23j is a hard disk of the Web server.
  • the operation program storage unit 23k stores an operation program that defines the operation of the mobile Web server 23.
  • the mobile Web server 23 activates the program from the operation program storage unit 23k, and the mobile Web server 23 Realize the functions specified by.
  • the communication authentication data and identification assembly key update processing 23l prevents unauthorized access by periodically changing the communication authentication data and the identification assembly key for all the affiliated stores registered in the affiliated store information 25b.
  • the communication authentication data and identification / assembly key update processing 23l starts DB transaction control in order to ensure data consistency between the affiliated store information 25b, which is the carrier DB, and the carrier information database 14a, which is the DB of the seller server.
  • the partner store ID and the settlement notification URL are acquired in order from the partner store information 25b, the communication authentication data and the identification assembly key for a predetermined number of digits are generated, and the generated communication authentication data and the identification assembly key are acquired.
  • the store ID is updated to the affiliated store information 25b
  • the carrier ID, communication authentication data, and identification assembly key are added to the acquired payment notification URL of the seller server as parameters, and if the response from the seller server is successful Commit DB. If the response from the seller server fails, the database is rolled back. Data consistency between the affiliated store information 25b, which is the carrier DB, and the carrier information database 14a, which is the DB of the seller server, is maintained.
  • the receipt mail transmission unit 23m transmits a receipt mail including at least a carrier name, a partner store name, a transaction number, a payment amount, and a payment date and time to the buyer's mobile phone terminal.
  • the buyer online terminal 30 is a terminal such as a personal computer operated by the buyer, and includes a control unit 31, a communication unit 32, an input unit 33, a display unit 34, and a recording unit 35.
  • the control unit 31 controls various operations of the buyer online terminal 30 based on the operation program stored in the recording unit 35.
  • the communication unit 32 is connected to the Internet 99 and exchanges various information via the Internet.
  • the input unit 33 such as a keyboard and a mouse receives various inputs from the user.
  • the display unit 34 performs display based on the control of the control unit 31.
  • the recording unit 35 includes an operation program storage unit that stores an operation program that defines the operation of the buyer online terminal 30.
  • control unit 31 accesses the seller's Web server 12 from the communication unit 32 via the Internet 99 based on a connection request to the seller's Web server 12 input by the buyer operating the input unit 33.
  • a screen with a two-dimensional code image received from the seller's Web server and a mobile mail address input item is displayed on the display unit 34, and the buyer enters the mobile mail address into the input unit 33.
  • it is transmitted after being operated and input, it is transmitted from the communication unit 32 to the seller's Web server 12 via the Internet 99.
  • the buyer mobile phone terminal 40 is a terminal such as a mobile phone terminal operated by the buyer, and includes a control unit 41, a communication unit 42, an input unit 43, a display unit 44, a recording unit 45, a BlueTooth communication unit 46, and a two-dimensional code reading. Part 47 is included.
  • the control unit 41 controls various operations of the buyer's mobile phone terminal 40 based on the operation program stored in the recording unit 45.
  • the communication unit 42 performs wireless communication between the wireless base stations 87 based on the control of the control unit 41.
  • the input unit 43 is a key input unit and accepts input from the user.
  • the display unit 44 performs various displays based on the control of the control unit 41.
  • the BlueTooth communication unit 46 performs near field communication and receives the broker site URL and the transaction number of the seller server.
  • the two-dimensional code reading unit 47 reads the two-dimensional code displayed on the display unit 34 of the buyer online terminal using a digital camera as a reading unit.
  • control unit 41 sends the seller's Web server from the communication unit 42 via the wireless communication network 88 and the Internet 99 based on a connection request to the seller's Web server 12 input by the buyer operating the input unit 43. 12, when making a transaction and making a payment, the seller's Web server 12 connects to the carrier's Web server 23 by redirection.
  • control unit 41 accesses the seller's Web server 12 which is the broker site of the seller server and reads the broker server broker site and the transaction number by the two-dimensional code reading unit 47 and displays them on the display unit 34.
  • the buyer operates the input unit 43 to access the seller's Web server 12 from the communication unit 42 via the wireless communication network 88 and the Internet 99 based on the connection request to the broker server's brokerage site. 12 to the carrier web server 23 by redirection.
  • the control unit 41 accesses the brokerage site of the seller server and receives the brokerage site of the seller server and the transaction number by mobile mail
  • the buyer opens the received email by operating the input unit 43 and displays it.
  • the connection operation to the brokerage site of the seller server is performed for the content displayed in the section 34.
  • the communication unit 42 accesses the seller's Web server 12 via the wireless communication network 88 and the Internet 99, and the seller's Web server 12 connects to the carrier's Web server 23 by redirection.
  • FIG. 2 is a configuration diagram of a payment system through a mobile communication service provider (carrier) of the present development, and is a configuration diagram in which a buyer makes a payment at a mobile phone terminal after receiving purchase or service from a store.
  • carrier mobile communication service provider
  • a seller server device 10 a carrier server device 20, a seller POS register terminal 50, a seller mobile POS register terminal, and a buyer mobile phone terminal 40 are included.
  • the description of the seller server device 10, the carrier server device 20, and the buyer's mobile phone terminal 40 is as shown in FIG.
  • the seller POS cash register terminal 50 is a POS cash register terminal operated by the seller, and includes a control unit 51, a communication unit 52, an input unit 53, a display unit 54, a recording unit 55, a BlueTooth communication unit 56, a two-dimensional code generation unit 57, A customer display unit 58 is included.
  • the control unit 51 controls various operations of the seller POS cash register terminal 50 based on the operation program stored in the recording unit 55.
  • the communication unit 52 is connected to the Internet 99 and exchanges various information via the Internet.
  • the input unit 33 such as a touch panel, a barcode reader, and a keyboard receives various inputs from the user.
  • the display unit 54 performs various displays based on the control of the control unit 51.
  • the recording unit 55 includes an operation program storage unit that stores an operation program that defines the operation of the seller POS cash register terminal 50.
  • the BlueTooth communication unit 56 transmits the broker site URL and transaction number of the seller server to the buyer's mobile phone terminal 40 by performing short-range wireless communication.
  • the two-dimensional code generation 57 generates a two-dimensional code image on the broker server URL and transaction number of the seller server and displays them on the customer display unit 58 based on the control of the control unit 51.
  • the control unit 51 calculates a service price or a product price by operating the input unit 53 by the seller, and displays the total price on the display unit 54 and the customer display unit 58. If the buyer wishes to make a payment at the mobile phone terminal, the communication unit 52 accesses the seller's Web server 12 via the Internet 99 based on the connection request to the seller's Web server 12 by operating the input unit 53, As a response, the broker server URL and the transaction number of the seller server are received from the seller's Web server 12, and the received broker server URL and transaction number of the seller server are two-dimensionally encoded by the two-dimensional code generation 57 to display the amount The mediator site URL and transaction number of the seller server received and stored in 58 are stored in the recording unit 55.
  • control unit 51 operates the input unit 53 to operate the broker server URL of the seller server by operating the input unit 53 when the buyer desires the buyer mobile phone terminal to receive the broker site URL and transaction number of the seller server with BlueTooth. And the transaction number are acquired and transmitted to the buyer's mobile phone terminal via the BlueTooth communication unit 56.
  • the seller mobile POS cash register terminal 60 is a handheld terminal with a mobile phone function operated by the seller, and includes a control unit 61, a communication unit 62, an input unit 63, a display unit 64, a recording unit 65, a BlueTooth communication unit 66, two-dimensional.
  • a code reading unit 67 is included.
  • the control unit 61 controls various operations of the seller mobile POS cash register terminal 60 based on the operation program stored in the recording unit 65.
  • the communication unit 62 performs wireless communication between the wireless base stations 87 based on the control of the control unit 61.
  • the input unit 63 is a key input unit and receives input from the user.
  • the display unit 64 performs various displays based on the control of the control unit 61.
  • the BlueTooth communication unit 66 performs short-range wireless communication and transmits the broker site URL and transaction number of the seller server.
  • the two-dimensional code reading unit 67 reads a two-dimensional code using a digital camera as a reading unit.
  • the control unit 61 calculates a service price or a product price by operating the input unit 63 by the seller and displays the total price on the display unit 64. If the buyer wishes to make a payment at the mobile phone terminal, the input unit 63 is operated to access the seller's Web server 12 from the communication unit 62 via the wireless communication network 88 and the Internet 99 based on a connection request to the seller's Web server 12, and 2 as a response from the seller's Web server 12. Receives the dimension code display screen, the broker site URL of the seller server, and the transaction number data. The received broker server URL and transaction number of the seller server are stored in the recording unit 65.
  • the control unit 61 operates the input unit 63 to operate the seller server's brokerage site URL and transaction.
  • the broker site URL and transaction number of the seller server are acquired from the number recording unit 65 and transmitted to the buyer's mobile phone terminal via the BlueTooth communication unit 66.
  • FIG. 3 is a configuration diagram of a payment system via a mobile communication service provider (carrier) of the present development, and is a configuration diagram in which a recipient at the time of receiving a delivery item makes a payment at a mobile phone terminal.
  • carrier mobile communication service provider
  • the seller server device 10 the carrier server device 20, a buyer mobile phone terminal 40, a seller mobile POS cash register terminal 60, and a delivery note issuing terminal 70 are included.
  • the description of the seller server device 10, the carrier server device 20, and the buyer's mobile phone terminal 40 is as shown in FIG.
  • the description of the seller mobile POS cash register terminal 60 is as shown in FIG.
  • the delivery note issuing terminal 70 is a delivery note issuing terminal operated by a courier as a seller, and includes a control unit 71, a communication unit 72, an input unit 73, a display unit 74, a recording unit 75, a two-dimensional code generation unit 76, A printer 77 and a delivery note 78 are included.
  • the control unit 71 controls various operations of the delivery note issuing terminal 70 based on the operation program stored in the recording unit 75.
  • the communication unit 72 is connected to the Internet 99 and exchanges various information via the Internet.
  • the input unit 73 such as a keyboard receives various inputs from the user.
  • the display unit 74 performs various displays based on the control of the control unit 71.
  • the recording unit 75 includes an operation program storage unit that stores an operation program that defines the operation of the delivery note issuing terminal 70.
  • the two-dimensional code generator 76 generates a two-dimensional code image of the broker server's mediation site URL and transaction number, and saves it in the recording unit 75.
  • the printer 77 calls an image of a two-dimensional code from the recording unit 75 and prints a delivery note 78.
  • the controller 71 accesses the seller's Web server 12 from the communication unit 72 via the Internet 99 based on a connection request to the seller's Web server 12 by the seller operating the input unit 73, and the seller's Web
  • the server 12 receives the delivery form print information as a response, the broker server URL and transaction number of the seller server, and the received broker server URL and transaction number of the seller server are two-dimensionally encoded by the two-dimensional code generator 76 to print the delivery note.
  • the information is displayed on the display unit 74, and the invoice information and the two-dimensional code are printed on the invoice 78 based on a print request to the printer 77 by operating the input unit 73.
  • the recipient of the delivery item receives the delivery item
  • the recipient reads the two-dimensional code of the delivery note 78 of the delivery item with the two-dimensional code reading unit 47 of the buyer's mobile phone terminal and operates the input unit 73.
  • postpaid payment is made through the broker server 12 of the seller server.
  • the delivery person accesses the seller's Web server by reading the two-dimensional code of the delivery note 78 of the delivery item with the two-dimensional code reading unit 67 of the seller portable POS cash register terminal 60 and operating the input unit 63, and It is possible to display the settlement result.
  • the delivery note issuing terminal of FIG. 3 may be configured to issue not only the delivery note but also various invoices such as electricity charges, insurance premiums, and taxes, or the two-dimensional code reading unit 47 of the buyer's mobile phone terminal 40. It is possible to read and pay the two-dimensional code of the invoice.
  • FIG. 4 is a sequence diagram for explaining the operation of notifying the seller's brokerage site URL and transaction number to the buyer's mobile phone terminal shown in FIG.
  • FIG. 4 is a sequence diagram for explaining the operation of performing shopping or the like on the buyer online terminal 30 with reference to FIG. 4 and notifying the buyer's mobile phone terminal of the seller's mediation site URL and transaction number at the time of settlement.
  • the control unit 31 of the buyer online terminal 30 transfers the request from the communication unit 32 to the seller's Web server 12 via the Internet 99 based on a connection request to the seller's Web server 12 input by the buyer operating the input unit 33. Access is made (S4-1).
  • the seller's Web server 12 transmits a response screen in response to the access in S4-1 (S4-2).
  • An article or content purchase action is performed by displaying the display unit 34 and operating the input unit 33 (S4-3).
  • the amount is transmitted to the seller's Web server 12 (S4-4).
  • the seller's Web server 12 issues a transaction number, registers the transaction information database 14b, and performs a two-dimensional code creation process (S4-5).
  • a screen including the two-dimensional code and the transaction number is transmitted to the buyer online terminal 30 (S4-6).
  • the control unit 31 displays a screen having items for inputting a two-dimensional code and a mobile mail address on the display unit 34 (S4-7).
  • the buyer decides to receive the seller's brokerage site URL and transaction number by mobile mail, he / she inputs the mobile mail address and transmits it to the seller's Web server 12 (S4-8).
  • the seller's Web server 12 accepts the request for sending the mobile mail, the seller's Web server 12 sends the mail to the mobile mail address with the transaction number added to the seller's mediation site URL (S4-9).
  • the buyer's mobile phone terminal 40 receives the mobile mail (S4-12).
  • the buyer When the buyer decides to read the seller's brokerage site URL and transaction number with a two-dimensional code on the screen of S4-7, the buyer reads it with the two-dimensional code reading unit 47 of the buyer's mobile phone terminal 40 and displays it on the display unit 44 ( S4-10).
  • FIG. 5 is a sequence diagram illustrating the operation of notifying the seller's brokerage site URL and transaction number to the buyer's mobile phone terminal shown in FIG.
  • FIG. 5 is a sequence diagram for explaining the operation of notifying the buyer's mobile phone terminal of the seller's brokerage site URL and transaction number after settlement after making a purchase at a store or the like and calculating at the seller's POS cash register terminal 50 with reference to FIG. is there.
  • the price of goods or services is calculated at the seller POS cash register terminal 50 (S5-1).
  • the calculated amount and seller ID (store number) are transmitted to the seller's Web server 12 (S5-2).
  • the seller's Web server 12 issues a transaction number and registers the transaction information database 14b (S5-3).
  • the seller's brokerage site URL and transaction number are sent to the seller POS cash register terminal 50 as a response (S5-4).
  • the control unit 51 displays the customer display unit 58 (S5-5).
  • the buyer When the buyer decides to read the seller's brokerage site URL and transaction number with a two-dimensional code on the screen of S5-5, the buyer reads it with the two-dimensional code reading unit 47 of the buyer's mobile phone terminal 40 and displays it on the display unit 44 ( S5-6). If the buyer decides to receive the seller's brokerage site URL and transaction number with BlueTooth, the buyer's brokerage site URL and transaction number are purchased by the bluetooth communication unit 56 by operating the input unit 53 of the seller POS cash register terminal 50. The data is transmitted to the mobile phone terminal 40 (S5-7). The buyer's mobile phone terminal 40 receives the seller's brokerage site URL and transaction number at the BlueTooth communication unit 46 and displays it on the display unit 44 (S5-8).
  • FIG. 6 is a sequence diagram for explaining the operation of notifying the seller's brokerage site URL and transaction number to the buyer's mobile phone terminal shown in FIG.
  • FIG. 6 is a sequence diagram for explaining the operation of notifying the buyer mobile phone terminal of the seller's brokerage site URL and the transaction number after settlement after making a purchase at the store and the seller's mobile POS cash register terminal 60 with reference to FIG. It is.
  • the consideration of goods or services is calculated at the seller mobile POS cash register terminal 60 (S6-1).
  • the calculated amount and seller ID (store number) are transmitted to the seller's Web server 12 (S6-2).
  • the seller's Web server 12 issues a transaction number, registers the transaction information database 14b, and performs a two-dimensional code creation process (S6-3).
  • a screen including the two-dimensional code, the seller's brokerage site URL, and the transaction number is transmitted to the seller's mobile POS cash register terminal 60 (S6-4).
  • the control unit 61 displays the two-dimensional code on the display unit 64 (S6-5).
  • the buyer When the buyer decides to read the seller's brokerage site URL and transaction number with a two-dimensional code on the screen of S6-5, the buyer reads it with the two-dimensional code reading unit 47 of the buyer's mobile phone terminal 40 and displays it on the display unit 44 ( S6-6).
  • the seller's brokerage site URL and transaction number When the buyer decides to receive the seller's brokerage site URL and transaction number with BlueTooth, the seller's brokerage site URL and transaction number are entered in the BlueTooth communication unit 66 by operating the input unit 63 of the seller mobile POS cash register terminal 60. The data is transmitted to the buyer's mobile phone terminal 40 (S6-7). The buyer's mobile phone terminal 40 receives the seller's brokerage site URL and transaction number at the BlueTooth communication unit 46 and displays them on the display unit 44 (S6-8).
  • FIG. 7 is a sequence diagram for explaining the operation of accessing the carrier's mobile Web server 23 for payment after online shopping or content purchase at the buyer's mobile phone terminal 40 shown in FIG.
  • the control unit 41 of the seller's mobile phone terminal 40 is connected to the wireless base station 87 and the wireless communication network 88 from the communication unit 42 based on a connection request to the seller's Web server 12 input by the buyer operating the input unit 43.
  • the seller's Web server 12 is accessed via the Internet 99 (S7-1).
  • the seller's Web server 12 transmits a response screen in response to the access in S7-1 (S7-2).
  • An article or content purchase action is performed by displaying the display unit 44 and operating the input unit 43 (S7-3).
  • the amount is transmitted to the seller's Web server 12 (S7-4).
  • the seller's Web server 12 issues a transaction number and registers the transaction information database 14b (S7-5). Direct processing 12b is performed (S7-6).
  • the seller's Web server 12 transmits the transaction number, partner store ID, amount, and communication identification ID to the carrier's mobile Web server 23 via the communication unit 11 and the Internet 99 (S7-7).
  • FIG. 8 is a sequence diagram for explaining the operation of accessing the carrier's mobile Web server 23 from the buyer's mobile phone terminal 40 via the seller's mediation site 12 and performing a payment process.
  • the control unit 41 of the seller's mobile phone terminal 40 is connected to the wireless base station 87 and the wireless communication network 88 from the communication unit 42 based on a connection request to the seller's Web server 12 input by the buyer operating the input unit 43.
  • the seller's Web server 12 is accessed via the Internet 99 (S8-1).
  • the seller's Web server 12 performs redirect processing 12b (S8-2).
  • the seller's Web server 12 transmits the transaction number, partner store ID, amount, and communication identification ID to the carrier's mobile Web server 23 via the communication unit 11 and the Internet 99 (S8-3).
  • the mobile web server 23 of the carrier performs the access authentication process 23a for the access of (S8-3), and if the access route authentication (S8-4) fails the authentication, sends an access route fraud warning screen to the buyer's mobile phone terminal. Then, the buyer's mobile phone terminal 40 is displayed on the display unit 44 (S8-5). The settlement process ends.
  • the individual identification number of the buyer's mobile phone terminal as the connection source is specified, and the user ID is obtained from the subscription terminal information 25a using the individual identification number (S8-6), ( The user ID acquired in S8-6) and the amount received in (S8-3) are inquired to the billing system interface module 23g, and if the result of the settlement acceptability determination (S8-7) is not settled, the buyer's mobile phone terminal A warning screen indicating that payment is not possible is transmitted, and the buyer's mobile phone terminal 40 is displayed on the display unit 44 (S8-8). The settlement process ends.
  • the user ID acquired in (S8-6) and the affiliated store ID, transaction number, and amount received in (S8-3) are stored in the memory (session) 23h. Save and create a password input screen (S8-9), and transmit it to the buyer's mobile phone terminal 40 by the process of the password input screen transmission unit 23b (S8-10).
  • the buyer's mobile phone terminal 40 displays a password input screen on the display unit 44 (S8-11), inputs a password for settlement by operating the input unit 43, and transmits it to the mobile web server 23 of the carrier (S8-12). .
  • the user authentication processing 23c of the mobile web server of the carrier is performed and the user authentication (S8-13) is an authentication failure
  • the determination of the number of failures (S8-14) exceeds the predetermined number
  • the user authentication lock is temporarily performed
  • the buyer mobile phone terminal 40 displays a warning message on the display unit 44 due to the failure of user authentication (S8-16). Accordingly, the settlement process ends. If the determination of the number of failures (S8-14) is less than the predetermined number, it is transmitted to the buyer's mobile phone terminal 40 by the process of the password input screen transmission unit 23b (S8-15).
  • a settlement process 23d is performed.
  • the data (user ID, affiliated store ID, transaction number, amount) stored in S8-9 is acquired from the memory (session) 23h, and database transaction control start and user ID are performed for database data consistency.
  • the partner settlement information is registered using the partner store ID and transaction number as a key to set the amount and settlement date (S8-17).
  • the payment system interface module 23g is requested for settlement processing using the user ID and the amount as parameters (S8-18).
  • the carrier ID, transaction number, and amount information are transmitted to the seller's Web server 12 by the settlement processing result notification processing 23e (S8-19).
  • the seller's Web server 12 receives the data of (S8-19) in the settlement processing result storage processing 12c, and queries the transaction information database 14b using the transaction number, amount, and carrier ID as a key. Is set (S8-20). The status of S8-20 is transmitted as a response to the mobile web server 23 of the carrier (S8-21).
  • the mobile web server 23 of the carrier receives the status of S8-20 from (S8-21), and if the status determination (S8-22) is successful, commits the database (S8-22). In case of failure, the database is rolled back (S8-23), the transaction control is terminated, a transmission screen is created by the payment processing completion screen transmission unit 23f (S8-25), and transmitted to the buyer's mobile phone terminal 40. (S8-26).
  • the buyer's mobile phone terminal 40 displays the settlement process completion screen received in S8-26 on the display unit 44. (S8-27)
  • the carrier mobile web server 23 After sending the payment processing completion screen (S8-26), the carrier mobile web server 23 creates a receipt mail including at least the carrier name, partner store name, transaction number, payment amount, and payment date and time by the receipt mail transmission unit 23m (S8- 28) and send it to the buyer's mobile phone terminal (S8-29).
  • the receipt mail transmission unit 23m uses a mail function such as a message service provided by the carrier to the subscriber.
  • FIG. 9 is a sequence diagram for explaining the operation of the communication authentication data and identification / assembly key update process 23l of the mobile web server 23 of the carrier and the web server 12 of the seller.
  • the communication authentication data and identification / assembly key update processing 23l controls the start of a DB transaction in order to ensure data consistency between the affiliated store information 25b, which is the carrier DB, and the carrier information database 14a, which is the DB of the seller server (S9- 1)
  • the partner store ID and the settlement notification URL are acquired in order from the partner store information 25b, communication authentication data and identification assembly keys for a randomly determined number of digits are generated (S9-2), and the generated communication authentication data and
  • the affiliated store ID from which the identification / assembly key has been acquired is updated to the affiliated store information 25b using the key (S9-3), and the carrier ID, communication authentication data, and identification / assembly key are sent to the settlement notification URL of the acquired seller server as parameters. (S9-4).
  • the seller's Web server 12 receives the data of S9-4, performs the communication authentication data on the seller's Web server side and the identification / assembly key update process 12m, and updates the carrier information database 14a (S9-5). In S9-5, the status of the update result is transmitted as a response to the mobile web server 23 of the carrier (S9-6).
  • the mobile web server 23 of the carrier receives the status of S9-6, and if the status determination (S9-7) is successful, commits the database (S9-8). In case of failure, the database is rolled back (S9-9) and the transaction control is terminated.
  • FIG. 10 is a flowchart for explaining the operation of the carrier, mobile phone subscription application, and mobile payment use contract.
  • the mobile phone subscriber will provide the carrier with the contractor information (name, address, date of birth, etc.), payment method designation and payment information (if the payment method is credit card, credit card information If the payment method is deposit account transfer, you can apply for a mobile phone subscription and billing contract by submitting a deposit account information), and the carrier will verify the subscriber's identity and need to identify the user
  • the mobile phone is opened by inserting an IC card in which various information is registered into the mobile phone, the carrier system issues a user ID, and a user identification ID, mobile phone number, and user ID are managed in a database.
  • incoming / outgoing calls and billing can be processed (S10-1).
  • the carrier side registers at least the individual identification number, the user ID, the user name, and the mobile phone number in the subscription terminal information database (25a) (S10-2).
  • the cellular phone subscriber accesses the carrier's mobile web server 23 and sets a payment password on the mobile web setting screen displayed on the display unit 44 of the cellular phone terminal 40 (S10-3), thereby making a billing contract. Mobile payment using credit card or deposit account transfer becomes possible.
  • FIG. 11 is a flowchart for explaining the operation of the carrier and the affiliated store contract.
  • the partner store applicant applies for a settlement contract by submitting partner store information (partner store name, settlement result notification URL, deposit account number, etc.) to the carrier (S11-1).
  • partner store information partner store name, settlement result notification URL, deposit account number, etc.
  • the carrier issues a partner store ID, and at least the partner store ID, partner store name, payment result notification URL, deposit account number, initial value of communication authentication data, identification assembly key in the partner store information database (25b) based on the partner store information.
  • the carrier side provides at least carrier ID, carrier payment site URL, S11-2 partner store ID, S11-2 communication authentication data, and S11-2 identification / assembly key to the partner store as carrier information, and the seller server of the partner store Is registered in the carrier information database 14a (S11-3).
  • the data base items in FIGS. 12 to 16 are at least necessary items, and items can be added as necessary.
  • the data of the data base items in FIGS. 12 to 16 is illustrative data, not actual data.
  • the illustrated configuration is merely an example, and the present invention is not limited to the configuration.
  • a payment system using a mobile terminal is a payment method for online shopping, online auctions, etc., as a payment method for shopping from convenience stores, supermarkets, etc., and as a payment method for service charges such as hotels, etc. Public charges such as taxes, electricity charges, water charges, etc. It can be applied as a payment method.

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Abstract

L'invention porte sur un procédé et un système de règlement utilisant un terminal portable, dans lesquels un utilisateur de terminal portable signe un contrat de comptabilité « transfert de carte de crédit ou de compte bancaire » avec un assureur, le terminal portable a un numéro d'identification individuel, et un vendeur signe un contrat de magasin associé avec l'assureur et à la place l'assureur prend soin de la collecte d'un paiement ou de frais de service. Au moment de l'achat, un serveur de vendeur envoie un numéro de négociation unique, notifie le numéro de négociation et l'URL de site intermédiaire du serveur de vendeur à un terminal portable d'acheteur, et accède à un serveur de règlement d'assureur à partir du terminal portable d'acheteur à travers le site intermédiaire de serveur de vendeur. Au moment du règlement, l'assureur identifie une partie au contrat à partir du numéro d'identification individuel pour effectuer un traitement de règlement et transmet un écran règlement achevé et un courrier de reçu au terminal portable d'acheteur.
PCT/JP2008/002072 2008-08-01 2008-08-01 Procédé de règlement et système de règlement à l'aide d'un terminal portable WO2010013296A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/JP2008/002072 WO2010013296A1 (fr) 2008-08-01 2008-08-01 Procédé de règlement et système de règlement à l'aide d'un terminal portable

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CN103514541A (zh) * 2012-06-18 2014-01-15 株式会社Interpay 货物/服务价格支付系统及其价格支付方法
JP2014102597A (ja) * 2012-11-17 2014-06-05 Shoran Ohara 情報端末を用いたサービス提供システム
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JP2016523417A (ja) * 2013-10-08 2016-08-08 バイドゥ オンライン ネットワーク テクノロジー （ベイジン） カンパニー リミテッド 電子取引方法、システムおよび支払いプラットフォームシステム
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