WO2001009808A1 - Systeme, dispositif et terminal de reglement electronique - Google Patents
Systeme, dispositif et terminal de reglement electronique Download PDFInfo
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- WO2001009808A1 WO2001009808A1 PCT/JP2000/002015 JP0002015W WO0109808A1 WO 2001009808 A1 WO2001009808 A1 WO 2001009808A1 JP 0002015 W JP0002015 W JP 0002015W WO 0109808 A1 WO0109808 A1 WO 0109808A1
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- Prior art keywords
- terminal
- payment
- user
- billing
- transaction
- Prior art date
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Classifications
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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
- G06Q30/00—Commerce
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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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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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
- G06Q20/38—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
-
- 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
- G06Q20/401—Transaction verification
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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
- G06Q20/38—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
- G06Q20/401—Transaction verification
- G06Q20/4012—Verifying personal identification numbers [PIN]
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- G—PHYSICS
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- 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
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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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
- G06Q20/38—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
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
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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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0603—Catalogue ordering
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0609—Buyer or seller confidence or verification
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0641—Shopping interfaces
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1025—Identification of user by a PIN code
- G07F7/1075—PIN is checked remotely
Definitions
- the present invention relates to an electronic payment system, a payment device, and a terminal that can perform payment in commercial transactions electronically using a communication network.
- This application is related to the following international application. For those designated countries for which incorporation by reference to a document is permitted, the contents described in the following application are incorporated into this application by reference, and are part of the description of this application.
- an electronic payment system for performing a transaction settlement using a communication network, wherein the settlement system performs the transaction settlement.
- Device a billing terminal that connects to the settlement device via the communication network, and performs billing in transactions; and a billing terminal that connects to the settlement device via the communication network to perform transactions.
- a payment terminal that makes a payment in the payment device the payment device sets a transaction identification number for identifying the transaction, and when the payment terminal transmits the same transaction identification number as the transaction identification number to the payment device, the payment device The transaction is settled by synchronizing the communication with the payment terminal with the communication with the payment terminal.
- the billing terminal may be connected to the settlement device through a telephone line or a dedicated line, and the payment terminal may be connected to the settlement device by wireless telephone communication.
- a settlement apparatus for performing settlement of a transaction by communicating with a billing terminal for making a bill in the transaction and a payment terminal for making a payment in the transaction, wherein the first communication network is provided.
- a first communication unit connected to the billing terminal via the second communication network, a second communication unit connected to the payment terminal via the second communication network, and a processing unit for performing a transaction settlement process.
- the processing unit sets a transaction identification number for identifying the transaction, and when the payment terminal transmits the same transaction identification number as the transaction identification number to the payment device, communication with the billing terminal, The communication is synchronized with the communication.
- the first communication unit may connect to the billing terminal via a telephone line or a dedicated line
- the second communication unit may connect to the payment terminal via wireless telephone communication.
- the processing unit transmits the information on the terminal to the payment terminal together with the transaction identification number for identifying the transaction, and when the payment terminal confirms the information on the billing terminal and transmits the transaction identification number to the payment device, the processing unit
- the communication with the terminal and the communication with the payment terminal may be synchronized, and the first communication unit may transmit a synchronization confirmation signal indicating that synchronization has been established to the billing terminal.
- the second communication unit attaches the information relating to the billing terminal and the transaction identification number to the payment terminal associated with the link address of the Internet, and transmits the information to the payment terminal, and the user of the payment terminal accesses the link address.
- the information about the billing terminal and the transaction identification number are returned from the payment terminal, and the processing unit may synchronize the communication between the billing terminal identified by the information about the billing terminal and the payment terminal.
- the processing unit performs a transaction between the billing terminal and the payment terminal synchronized by the transaction identification number. May be performed.
- the first communication unit receives the purchase amount in the transaction from the billing terminal, and the processing unit transmits the transaction amount to the payment terminal user based on the purchase amount received from the billing terminal by the first communication unit. May be performed.
- the first communication unit receives the purchase price in the transaction from the billing terminal, and the second communication unit transmits the purchase price to the payment terminal so that the payment terminal can confirm the purchase price, and confirms the purchase price.
- the processing unit receives the purchase final confirmation signal from the payment terminal, and the processing unit performs settlement processing after the second communication unit receives the purchase final confirmation signal from the payment terminal, and the first communication unit performs settlement by the processing unit.
- a settlement completion notice notifying the completion of the processing may be transmitted to the billing terminal, and the second communication unit may transmit a receipt notifying the receipt of the purchase price in the settlement processing by the processing unit to the payment terminal.
- a billing terminal database storing information on the billing terminal, wherein the first communication unit receives an identification number for identifying the billing terminal from the billing terminal, and the processing unit transmits the billing terminal database based on the identification number. , The information about the billing terminal may be extracted, and the registration of the billing terminal may be confirmed.
- the second communication unit may transmit the information on the billing terminal extracted from the billing terminal database to the payment terminal so that the payment terminal checks the billing terminal.
- the system further includes a payment terminal database storing information on the payment terminal, wherein the second communication unit detects a calling terminal number of the payment terminal, and the processing unit determines a calling terminal number from the payment terminal database based on the calling terminal number. Extracts information about users and confirms at least one of the user's registration status, user's usage status, and user's available settlement amount.
- the processing unit extracts at least a part of the attribute information of the user of the payment terminal from the payment terminal database, and the first communication unit transmits at least a part of the attribute information of the user to the billing terminal. You may.
- the processing unit extracts the purchase history information of the user from the payment terminal database, and The communication unit may transmit the purchase history information to the payment terminal.
- the first communication unit receives, from the billing terminal, product order information for allowing the user of the payment terminal to input a product order, the second communication unit transmits the product order information to the payment terminal, The first communication unit may transmit the order content to the billing terminal when the payment terminal transmits the order content of the product input by the user based on the product order information to the payment device.
- a voice database storing voice data of the user of the payment terminal is further provided.
- the second communication unit transmits a message requesting the payment terminal to input the voice of the user, and the voice of the user is transmitted from the payment terminal.
- the processing unit may authenticate the user by collating the user's voice using a voice database.
- the processing unit extracts the authentication information registered by the user of the payment terminal from the payment terminal database, the second communication unit sends an instruction for inquiring the authentication information to the payment terminal, and the payment terminal inputs the instruction to the instruction A response may be received from the payment terminal, and the processing unit may authenticate the user by comparing the response received from the payment terminal with authentication information extracted from the payment terminal database.
- the payment terminal database stores a plurality of authentication information registered by the user, and the processing unit may randomly extract at least one of the plurality of authentication information from the payment terminal database.
- the authentication information registered by the user of the payment terminal includes the password of the user, image data of the user's face, iris or retina image data of the user's eyeball, At least one image data of the user's fingerprint, even if the processing unit receives at least one character data or image data from the payment terminal to check with the authentication information Good.
- a billing terminal that communicates with a settlement device that performs settlement of a transaction and performs a billing in the transaction with respect to a payment terminal that performs payment in the transaction.
- a processing unit for performing a billing process in a transaction the communication unit transmitting an identification number for identifying the billing terminal to the payment device, and synchronizing with the payment terminal.
- the communication unit may be connected to the settlement device via any of a telephone line, a dedicated line, and wireless telephone communication.
- the transaction may be settled with the synchronized payment terminal.
- the communication unit sends the purchase price in the transaction to the payment device and, when the payment device has performed the payment processing of the transaction to the synchronized payment terminal user, notifies the completion of the payment processing
- the completion notification may be received from the settlement device.
- the communication unit transmits product order information to the payment terminal user to input a product order to the payment device, receives the order content input by the payment terminal user based on the order information from the payment device,
- the processing unit calculates the purchase price based on the contents of the order, and the communication unit sends the purchase price calculated by the processing unit to the payment device and receives a payment completion notification from the payment device to notify the completion of the payment process. May be.
- the communication department will send the order details from the ordering center to the customer.
- the processing unit calculates the purchase price based on the contents of the order, and the communication unit sends the purchase price calculated by the processing unit to the payment device, and clears the payment completion notification that notifies the completion of the payment process It may be received from the device.
- the communication unit may receive at least a part of the attribute information of the user of the payment terminal from the payment device.
- a recording medium which stores a computer program for communicating with a billing terminal for making a bill in a transaction and a payment terminal for making a payment in the transaction, and for performing a settlement of the transaction.
- a first communication module that causes the program to communicate with the computer and communicate with the billing terminal via a telephone line or a dedicated line; and a second communication module that causes the computer to communicate with the payment terminal via wireless telephone communication.
- a processing module that performs a transaction settlement process. The processing module sets a transaction identification number that identifies the transaction, and the payment terminal sends the transaction identification number that is the same as the transaction identification number to the payment device. If sent, communication with the billing terminal and support The communication with the payment terminal is synchronized.
- a settlement method in a settlement device for communicating with a billing terminal for making a bill in a transaction and a payment terminal for making a payment in the transaction and performing settlement of the transaction, wherein the payment terminal is a product
- the information for designating the billing terminal is sent to the payment device to place an order
- communication with the billing terminal is established based on the information for designating the billing terminal, and a transaction identification number that identifies the order transaction of the product is set.
- a settlement method in a settlement device for communicating with a billing terminal for making a bill in a transaction and a payment terminal for making a payment in the transaction, and performing settlement of the transaction.
- the customer places an order for the product by telephone, facsimile, postal, or other communication means at the order receiving center that receives the product order, and the billing terminal receives the contents of the customer's product order from the order receiving center,
- the step of establishing communication with the billing terminal and setting the transaction identification number for identifying the order transaction of the product, and the information relating to the billing terminal with the transaction identification number and transmitting to the payment terminal, and when the payment terminal confirms information on the billing terminal and transmits the transaction identification number to the payment device, communication with the billing terminal and communication with the payment terminal Synchronizing, transmitting a synchronization confirmation signal indicating that synchronization has been established to the billing terminal, receiving a purchase price based on the order content of the product from
- FIG. 1 is a configuration diagram of the electronic payment system according to the first embodiment of the present invention.
- FIG. 2 is a schematic diagram of a mobile phone as an example of the user terminal 20.
- FIG. 3 is a configuration diagram of the sync server 30.
- Figure 4 shows an example of a mail-order catalog.
- FIG. 5 is a flowchart of a settlement process of the electronic settlement system according to the first embodiment.
- FIG. 6 is a flowchart of the cashier information inquiry 206 process.
- FIG. 7 is a flowchart of the process of the user information inquiry 208.
- FIG. 8 is a flowchart of the password authentication 210 process.
- FIG. 9 is a flowchart of the process of the synchronization establishment 226.
- FIG. 10 is a flowchart of the process of order entry 234.
- FIG. 11 is a flowchart of the process of matching the purchase amount and the available amount 244.
- Figure 12 is a flowchart of the final purchase confirmation 248 process.
- FIG. 13 is an example of a screen of the display unit 800 of the user terminal 20.
- FIG. 14 is a diagram illustrating a form of link information transmitted to user terminal 20.
- FIG. 15 is a configuration diagram of an electronic payment system according to the second embodiment of the present invention.
- FIG. 16 is a flowchart of a payment process of the electronic payment system according to the second embodiment.
- FIG. 17 is a flowchart of the process of the user information inquiry 360.
- FIG. 18 is a flowchart of the voice authentication 308 process.
- FIG. 19 is a flowchart of the processing of the cashier information inquiry 3 15.
- FIG. 20 is a configuration diagram of an electronic payment system according to the third embodiment of the present invention.
- FIG. 21 is a schematic diagram of a mobile terminal having a communication function, which is an example of the user terminal 20. It is.
- FIG. 22 is a flowchart of the settlement processing of the electronic settlement system according to the third embodiment.
- FIG. 23 is a flowchart of the process of user image information authentication 211.
- FIG. 24 is a configuration diagram of the electronic payment system according to the fourth embodiment of the present invention.
- FIG. 25 is a flowchart of the payment processing of the electronic payment system according to the fourth embodiment.
- FIG. 26 is a block diagram showing a hardware configuration of the general-purpose computer 600. As shown in FIG.
- FIG. 27 is a block diagram illustrating a functional configuration of software executed by the CPU 602.
- a user looks at an advertisement for mail-order sales published in a magazine, newspaper, or the like, or a catalog of mail-order sales, and uses a user terminal such as a mobile phone or a mobile terminal to make a network connection. Products can be ordered and settled via.
- FIG. 1 is a configuration diagram of an electronic payment system according to the present embodiment.
- the electronic payment system according to the present embodiment includes a cashier server 14, a virtual cashier terminal 12 as an example of a billing terminal, a user terminal 20 as an example of a payment terminal, and a synchronization server as an example of a payment device. 30, a carrier server 40, a cashier database 50 as an example of a billing terminal database, a user database 60 as an example of a payment terminal database, and a user account database 70.
- the communication line 18 is a communication line that connects the cashier server 14 or the virtual cashier terminal 12 and the sink server 30, and may be a telephone line or a dedicated line.
- the wireless communication transmission path 28 is a transmission path for wireless telephone communication that connects the user terminal 20 and the carrier server 40.
- the communication line 38 is a communication line that connects the carrier server 40 and the sink server 30 and may be either a telephone line or a dedicated line.
- the cash register server 14 is a server system that acts as a sales agent for mail-order sales. Yes, a virtual cashier terminal 12 is configured in the server to request a transaction with the user.
- the sync server 30 performs a settlement process of a product transaction between the mail order seller and the user.
- the sync server 30 connects to the cashier server 14 and the user terminal 20 via a communication network to perform data communication.
- the virtual cashier terminal 12 in the cashier server 14 connects to the sink server 30 via the communication line 18 to perform data communication.
- the communication line 18 may be either a telephone line or a dedicated line.
- the user terminal 20 instructs the user to pay for the product purchased by the user using credit means such as a credit card or a bank card.
- An example of the user terminal 20 is a wireless telephone communication unit such as a mobile phone.
- Another example of the user terminal 20 is a portable terminal, such as a PDA or a notebook personal computer, which can perform communication by connecting to a wireless communication means such as a mobile phone.
- FIG. 2 is a schematic diagram of a mobile phone as an example of the user terminal 20.
- the user terminal 20 has an antenna 800, a display unit 800, an operation button 804, a dial button 806, and an infrared communication unit 808.
- the user terminal 20 communicates with the carrier server 40 via the wireless communication transmission line 28 by the antenna 800.
- the user terminal 20 has a data bucket communication function, and can transmit and receive digital data.
- the display unit 802 displays character information and image information transmitted and received by the data bucket communication function.
- the operation unit 804 selects a menu or a button displayed on the display unit 802.
- the dial button 806 is a button for inputting a telephone number, a passcode, and the like.
- the infrared communication unit 808 performs data communication with a device having an infrared communication function.
- the user terminal 20 is connected to the carrier server 40 via the wireless communication transmission path 28.
- the carrier server 40 is connected to the sink server 30 via a communication line 38.
- the sink port server 30 acquires information related to the billing of the merchandise transaction by communicating with the virtual cashier terminal 12, and acquires information related to the payment of the merchandise transaction by communicating with the user terminal 20.
- the transaction between the virtual cashier terminal 12 and the user terminal 20 is settled. Perform processing.
- the sink port server 30 stores a cash register database 50 storing information of the cash register server 14, a user database 60 storing information of the user terminal 20, and stores information of a user's credit account or bank account. It can connect to the user account database 70 and search and acquire information from each database.
- the sink server 30, cash register database 50, user database 60, and user account database 70 may be provided in a credit company or bank network. Only the user account database 70 may be provided in the credit company or bank network, and the synchronizing server 30 may connect to the user account database 70 via a dedicated line.
- FIG. 3 is a configuration diagram of the sink port server 30.
- the sink port server 30 includes a processing unit 80 for processing payment, a first communication unit 82 for processing data communication via the communication line 18, a communication line 38 and a wireless communication transmission line 28.
- a second communication unit 84 that processes data communication via the database, a database search unit 8 that accesses the cashier database 50, the user database 60, and the user account database 70, and searches database information.
- a processing unit 80 for processing payment
- a first communication unit 82 for processing data communication via the communication line 18, a communication line 38 and a wireless communication transmission line 28.
- a second communication unit 84 that processes data communication via the database
- a database search unit 8 that accesses the cashier database 50, the user database 60, and the user account database 70, and searches database information.
- the “synchronous payment” means that no communication is performed between the virtual cashier terminal 12 and the user terminal 20, but via the sink server 30 that communicates with both the virtual cashier terminal 12 and the user terminal 20.
- This method synchronizes communication between the virtual cashier terminal 12 and the user terminal 20 in real time, and performs a settlement process for a transaction between the virtual cashier terminal 12 and the user terminal 20.
- the synchronizing server 30 since the settlement of a transaction is performed between a plurality of virtual cashier terminals 12 and a plurality of user terminals 20, the synchronizing server 30 requests the transaction for a specific transaction. Identify the virtual cashier terminal 12 that performs the transaction and the user terminal 20 that pays for the transaction, synchronize the communication between the virtual cashier terminal 12 and the user terminal 20, and settle the transaction between the two. Need to do.
- cashier terminal identification information is used as an example of a transaction identification number for identifying a specific transaction. Synchronizer When the server 30 connects and communicates with the cashier server 14, the sink server 30 determines cashier terminal identification information for identifying the virtual cashier terminal 12 activated in the cashier server 14, and the user terminal To 20 Distribute in "Link information".
- the user terminal 20 transmits the cashier terminal identification information to the sync server 30. If there is a virtual cashier terminal 12 that matches the cashier terminal identification information received from the user terminal 20 among the plurality of cashier cashier terminals 12 that have issued cashier terminal identification information, the synchro server 30 virtualizes the virtual cashier terminal 12. Synchronize the communication between the registration terminal 12 and the user terminal 20. If there is no matching cashier terminal identification information, the user terminal 20 is not synchronized with any virtual cashier terminal 12. In this way, for the specific transaction identified by the cashier terminal identification information, the sync server 30 communicates with the virtual cashier terminal 12 that charges the transaction and the user terminal 20 that pays the transaction.
- the communication between the virtual cashier terminal 12 and the user terminal 20 is synchronized, and the settlement process is performed. Therefore, the transaction between the virtual cashier terminal 12 and the user terminal 20 can be settled without performing direct communication between the virtual cashier terminal 12 and the user terminal 20.
- a mobile phone which is an example of the user terminal 20
- the calling phone number is unique to the mobile phone, and it is not possible to make a call using the same caller phone number from a phone other than the mobile phone. Therefore, as long as the mobile phone is used by the mobile phone holder, the calling telephone number of the mobile phone can be used as the user identification ID. That is, a mobile phone can serve as a driver's license or other ID card.
- the user database 60 stores data that associates the outgoing telephone number of the mobile phone with the information of the user of the mobile phone, and determines whether the user of the mobile phone is the owner. Authenticate whether.
- the synchronization server 30 detects the outgoing telephone number of the user terminal 20, searches the user database 60 based on the outgoing telephone number, and extracts information about the user, Authenticate the user.
- Authentication methods include visual authentication, password authentication, and voice authentication, and these authentication methods can be used in combination. For example, if visual authentication is not sufficient, the accuracy of authentication can be improved by performing multiple authentications, such as combining other authentication methods such as password authentication.
- FIG. 5 is a flowchart of the settlement processing of the electronic settlement system according to the present embodiment.
- 6 to 12 are flowcharts showing the details of the processing in FIG.
- FIG. 13 is an example of a screen of the display unit 800 of the user terminal 20.
- the settlement process will be described with reference to FIG.
- the user selects an electronic payment menu from the user terminal 20 and starts electronic payment (200).
- the user terminal 20 displays a screen for inputting a “checkout number” shown in FIG. 13 (a).
- the user inputs the cash register number described in the mail order advertisement or catalog (202).
- the cash register number is a number for identifying the cash register server 14 that performs mail order.
- Figure 4 shows an example of a mail-order catalog.
- the catalog shows the cash register number that identifies this mail order and the order number of each product.
- the user sees such a communication sales catalog, and performs product ordering and settlement processing using the user terminal 20.
- the user terminal 20 is connected to the sync server 30 and the cashier number is transmitted to the sync server 30 (204).
- the cancel button on the cashier number input screen the settlement process can be terminated. This canceling process is performed, for example, when the settlement process cannot proceed even if the cashier number is correctly input due to a communication failure or the like.
- the sync server 30 receives the cash register number transmitted from the user terminal 20 and inquires cash register information using the cash register number (206).
- the processing of the cashier information inquiry 206 will be described with reference to FIG.
- the sync server 30 accesses the cashier database 50 (2062), and extracts the registry information matching the cashier number (2064).
- the authentication method includes a voice authentication method, a password authentication method, and the like, and the cashier information sets which authentication method to use.
- the synchronization server 30 determines to use the authentication method set in the cashier information (2066). In the following, description will be made assuming that the use of the password authentication method has been determined as the authentication method.
- the sink port server 30 detects the user terminal number of the user terminal 20. If the user terminal 20 is a mobile phone, the user terminal number is the calling phone number.
- the synchronization server 30 accesses the user database 60 (2082), and checks whether the user terminal 20 is registered as a user based on the user terminal number (2084). If the user has not been registered, a message "Not registered" is sent to the user terminal 20 (2086).
- the user terminal 20 displays the screen shown in FIG. 13 (b), indicating that the user has not been registered.
- the sync server 30 disconnects from the user terminal 20 (2900) and ends.
- the sink port server 30 selects the sink port settlement menu in the user terminal 20 and, when the user terminal 20 makes the first access to the sink port server 30, the user terminal 20
- the calling phone number may be detected.
- the synchronizer No. 30 may detect the calling telephone number of the user terminal 20 when the user inputs the cashier number to the user terminal 20 and the user terminal 20 transmits the cashier number to the sync server 30. .
- the user information is extracted from the user database 60 (2092).
- the user information contains information on the usage status of the user, and based on the information, it is checked whether there is any problem with the usage status of the user such as a credit card or a bank card (2094). If there is a problem with the usage status, a message “unavailable” is sent to the user terminal 20 (2096).
- the user terminal 20 displays the screen shown in FIG. 13 (c), indicating that it cannot be used.
- the sync server 30 disconnects the connection with the user terminal 20 (2098) and terminates.
- the sink port server 30 proceeds to the process of pass-pass authentication 210.
- the process of password authentication 210 will be described with reference to FIG.
- the sync server 30 authenticates the user terminal based on the authentication method determined in the cashier terminal information inquiry 206.
- the authentication method is password authentication
- the synchronization server 30 acquires data necessary for authentication from the user database 60 and creates authentication data (2102).
- the synchronization server 30 initializes a variable n for storing the number of password request times to 0 (2104).
- the sink server 30 increments n by 1 (2106), and sends a password request message to the user terminal 20 (2108).
- 13D is displayed on the user terminal 20, and the user inputs a password (2110).
- the user terminal 20 transmits the passcode input by the user to the sink server 30 (2112).
- the sink server 30 receives the password transmitted by the user terminal 20 and checks whether the password is correct (2114).
- the sync server 30 accesses the cashier server 14 using the cashier server access number extracted in the cashier information inquiry 206 process (212).
- the cashier server 14 activates the virtual cashier terminal 12 configured in the cashier server 14 (214).
- the virtual cashier terminal 12 is a device or process serving as a cashier terminal, and may be a terminal device provided in the cashier server or a program started in the cashier server.
- the virtual cashier terminal 12 accesses the sync server 30 (2 16).
- the sink server 30 creates “link information” (2 18).
- the link information includes cashier terminal identification information for identifying the virtual cashier terminal 12 connected to the sync server 30 and cashier identification information for identifying the cashier server 14, such as the name of the seller and a welcome message. Etc. are included.
- the sink port server 30 distributes the link information to the user terminal 20 (220).
- the user terminal 20 receives the link information from the synchronizer server 3 ⁇ , the user terminal 20 displays the welcome message shown in FIG. 13 (f) on the screen. Users can check this screen to see if they are the mail-order site they want to connect to.
- the user terminal 20 sends a link information confirmation signal to the synchronization server 30 (2 24).
- the link information confirmation signal includes cashier terminal identification information for identifying the virtual cashier terminal 12 included in the link information.
- the electronic payment can be canceled.
- This cancellation process is performed when an unintended mail-order site is displayed on the screen, for example, because the user has entered an incorrect cashier number.
- the synchronization server 30 Upon receiving the link information confirmation signal from the user terminal 20, the synchronization server 30 establishes synchronization (226). With reference to FIG. 9, the process of establishing the synchro 2 26 will be described. ⁇
- the “sync” state is established when the user terminal 20 sends a link information confirmation signal to the link information distributed by the sync server 30.
- the synchronization server 30 is in an “access waiting” state of waiting for the user terminal 20 to access and transmit a link information confirmation signal.
- the sink server 30 Establish a “synchro” state of one unit 1 with the user terminal 20 to realize synchronization between the virtual cashier terminal 12 and the user terminal 20. It is not possible to associate access from multiple user terminals 20 with one piece of link information.
- a time-out is set, and the access wait from the user terminal 20 is limited to, for example, three minutes. If there is no response to the link information issued from the user terminal 20 even after the time limit expires, the sink server 30 disconnects the connection with the virtual cashier terminal 12 and initializes. This time-out function is used to avoid troubles such as when the user cancels the process or when the communication between the user terminal 20 and the sink server 30 is bad and the information exchange is not performed normally. Is set to
- the sync server 30 is in the “access waiting” state, checks whether there is an access from the user terminal 20 and a link information acknowledgment signal is transmitted from the user terminal 20 (22). 6 2) If there is no access, it is checked whether the set time of the timeout has elapsed (2 2 6 4), and if it has elapsed, the connection with the virtual cashier terminal 12 is disconnected (2 2 6 6), end.
- the user terminal 20 When the user terminal 20 transmits the link information confirmation signal, it checks whether there is a virtual cash register terminal 12 in the “waiting for synchronization” state corresponding to the link information (2 2 688). A sink port error message is transmitted to the user terminal 20 (2270). The user terminal 20 displays a synchronization error on the screen (2 2 7 2) Then, the user terminal 20 interrupts the payment process and ends.
- the synchronizing server 30 changes the “synchro” state between the virtual cashier terminal 12 and the user terminal 20. Then, the communication with the virtual cashier terminal 12 and the communication with the user terminal 20 are synchronized (2274).
- the synchronization server 30 transmits a synchronization signal to the virtual cashier terminal 12 (228).
- the virtual cashier terminal 12 receives the synchro signal from the synchro server 30, it transmits merchandise information for mail order (230).
- the synchronization server 30 distributes the product information received from the virtual cashier terminal 12 to the user terminal 20 (232).
- the user terminal 20 allows the user to input a product order based on the product information received from the synchronization server 30 (234).
- the process of order entry 234 will be described with reference to FIG.
- the user terminal 20 displays a screen for inputting the order details of FIG. 13 (g).
- the user enters an order number and places an order for a product while referring to the mail-order catalog shown in Fig. 15 (2322).
- the screen shown in Fig. 13 (h) is displayed and the selected product can be confirmed.
- the OK button in Fig. 13 (h) is selected, the screen returns to Fig. 13 (g) and the next order number can be entered.
- the order can be canceled by pressing the cancel button in Fig. 13 (h).
- the user terminal 20 transmits the order information to the synchronization server 30 (236).
- the synchronizing server 30 distributes the order information received from the user terminal 20 to the virtual cashier terminal 12 in a synchronized state with the user terminal 20 (238).
- the virtual cashier terminal 12 calculates the purchase price based on the order information received from the sync server 30 (240), and transmits the purchase price information including the total purchase price to the sync server 30 ( 2 4 2).
- the sync server 30 Upon receiving the purchase amount information from the virtual cashier terminal 12, the sync server 30 checks the purchase amount and the available amount 2 4 4 The processing of the purchase amount and the available amount is compared with reference to FIG. 11. The processing 2 4 4 will be described.
- the synchronization server 30 compares the available amount of the user obtained from the user database 60 in the user information inquiry 208 with the purchase amount transmitted by the virtual cashier terminal 12 (2 4 4 2). If the amount does not exceed the available amount, end the reconciliation.
- the user terminal 20 sends a message “exceeded amount” (2 4 4 4), and the connection between the virtual cashier terminal 12 and the user terminal 20 is made. Release the synchronized state between (2 4 4 6). At this time, the screen shown in FIG. 13 (k) is displayed on the user terminal 20.
- the synchronization server 30 transmits total amount information including the purchase amount to the user terminal 20 (2466). Upon receiving the total amount information from the synchronization server 30, the user terminal 20 performs the final purchase confirmation process 248.
- the purchase final confirmation processing 2 488 will be described with reference to FIG.
- the user terminal 20 displays the screen shown in FIG. 13 (1), and displays the total purchase price (2462).
- the user confirms whether or not the total purchase amount is correct (2 4 6 4), and if it is correct, selects the OK button on the screen and ends the final purchase confirmation processing 2 48.
- the user selects the cancel button if the total purchase price is incorrect.
- the user terminal 20 displays a screen indicating that the payment has been canceled as shown in FIG. 13 (m) (2466), and outputs the cancel signal to the synchronizer. Call to No. 30 (2 468).
- the sink port server 30 receives the key from the user terminal 20.
- a cancel signal is transmitted to the virtual cashier terminal 12 (2470).
- the virtual cashier terminal 12 cancels the payment and ends (2472).
- the sync server 30 releases the synchronization between the virtual cashier terminal 12 and the user terminal 20 and ends the process (24744).
- the processing steps after the final purchase confirmation 248 will be described.
- the user terminal 20 sends a purchase final confirmation signal to the synchronizing server 30 (250).
- the synchronization server 30 receives the final purchase confirmation signal from the user terminal 20, the synchronization server 30 accesses the user account database 70 and performs payment processing for recording purchase information (2 5 2
- the sync server 30 sends a payment completion notification to the virtual cashier terminal 12 (254), and sends a receipt to the user terminal 20 (258).
- the virtual registrar terminal 12 confirms the completion of the settlement and ends the synchronized settlement (256).
- the user terminal 20 displays the screen shown in FIG. 13 (n) indicating the completion of the payment (152).
- the cashier terminal identification information as an example of the transaction identification number is information for identifying the virtual cashier terminal 12 to be synchronized by the user terminal 20 for performing a transaction.
- a cashier terminal identification number generated by generating a random number may be used.
- the same cashier terminal identification number may be assigned to a plurality of virtual cashier terminals 12. It becomes impossible to associate the virtual cashier terminal 12 with the user terminal 20. Therefore, the cashier terminal identification number is assigned so that the same cashier terminal identification number is not used more than once in a certain time. However, after a certain period of time, the same cashier terminal identification number may be used again. In this way, the uniqueness of the cashier terminal identification number can be maintained without increasing the number of digits of the cashier terminal identification number.
- the synchronization server 30 must have a function of restricting the assignment of cashier terminal identification numbers so that the same cashier terminal identification number as the cashier terminal identification number of the virtual cashier terminal 12 in the “waiting for access” state is not issued. Thus, it is possible to more reliably prevent the collision of the cashier terminal identification numbers.
- the cashier terminal identification number generated by random numbers May cause a collision.
- it is possible to avoid collision of the registration terminal identification numbers by devising the range of random numbers so that the cashier terminal identification numbers of each mail-order server do not conflict with each other.
- the cashier terminal identification number is used for associating the virtual cashier terminal 12 identified by the cashier terminal identification number with the user terminal 20 to synchronize communication. Therefore, when the “sync” is established for the cashier terminal identification number issued by the synchro server 30 and the “waiting for access” is released, the same cashier terminal identification number is used for other transactions. No problem.
- the cashier terminal identification number does not have to be a long-digit number such as a transaction ID that is uniquely determined for all transactions, even if it is a number for identifying a transaction, It is enough that uniqueness is maintained in the time until “synchro” is established.
- the sync server 30 distributes the cashier identification information and cashier terminal identification information as an example of the transaction identification number to the user terminal 20 in the form of “link information”, and the user By selecting the link button displayed in 20, a link information confirmation signal including the cashier terminal identification information was transmitted to the sync server 30.
- FIG. 14 is a diagram illustrating a form of link information transmitted to user terminal 20.
- the synchronization server 30 delivers the link information to the user terminal 20 as an e-mail. In the e-mail, along with the name of the mail-order sales store and the welcome message, an htm 1 link that specifies the address (URL) for accessing the sink server 30 as a form of link button Is included.
- cash register identification information and cash register terminal identification information are attached to the html link.
- "www.syncho.com” which is the address of the sync server 30, "abc-onlineshop”, which is the identification information of the register, and "i.e., the identification information of the cashier terminal," 14685 ” is included.
- the synchronizer 30 receives the cash register identification information “abc-onlineshop” attached to the html link.
- the cashier terminal identification information “14685” can be obtained.
- the synchronization server 30 converts the user terminal 20 into the virtual cashier terminal 12 based on the obtained registry identification information and cashier terminal identification information. Correspondence and synchronization can be established.
- the sync server 30 when the sync server 30 sends the settlement completion notification 25 4 to the virtual cashier terminal 12, the sync server 30 performs the payment for the transaction by the user terminal 20.
- Some attribute information about the user may be extracted from the user database 60 and transmitted to the virtual cashier terminal 12.
- the attribute information of the user sent to the virtual cashier terminal 12 is, for example, information on the attribute of the user such as gender and age, and preferably does not include personal information such as name, address, and credit card number. No.
- the cashier server 14 may acquire information on the user who paid for the transaction, and accumulate the contents of the transaction and the user information as a purchase history in the database of the retail store. Therefore, the retailer can extract the purchase behavior of the user, such as the age group of the user who purchases a specific product, from the purchase history information stored in the database, and can use the behavior for product marketing.
- the synchronization server 30 receives the total purchase price of the merchandise from the virtual cashier terminal 12, but receives detailed information on the purchased merchandise such as the name and unit price of the purchased merchandise, and obtains a user database 60. May be recorded as the user's purchase history.
- the user terminal 20 can inquire of the sink port server 30 about the purchase history of the user, and can receive the purchase history from the sync server 30.
- the user can electronically order and pay for goods in mail-order sales such as magazines and power tags.
- the user Before placing an order for mail-order sales, the user can confirm whether or not the user has connected to the desired mail-order sales site by using the link information displayed on the mobile terminal.
- the mail order seller can authenticate the user with a password or the like, and then make a payment.
- An electronic payment system according to a second embodiment of the present invention will be described.
- the user can place an order and settle a product for mail order via a network.
- the electronic payment system of the present embodiment employs voice authentication as a user authentication method. However, this is different from the first embodiment.
- FIG. 15 is a configuration diagram of the electronic payment system according to the present embodiment.
- the electronic payment system of this embodiment includes a cashier server 14, a virtual cashier terminal 12 as an example of a billing terminal, a user terminal 20 as an example of a payment terminal, and a sync server 30 as an example of a payment device.
- the voice authentication center 42 connects to the carrier server 40, and when the user terminal 20 makes a call by wireless telephone communication, voice-authenticates the user using the voice of the user of the user terminal 20. .
- the voice authentication center 42 has a user voice database 44, and can check the voice of the user of the user terminal 20 with the voice of the user registered in the user voice database 44 in advance.
- the user voice database 44 stores voice information registered by the user of the user terminal 20 in advance.
- the user's voice information is, for example, voice of the user uttering a specific registered word.
- the voice authentication center 42 connects to the cash register database 50 and the user database 60 to check the user's registration status and usage status. In addition, it is possible to search the cash register server registered in the cash register database 50 from the register number transmitted by the user and confirm the registration of the cash register server.
- FIG. 16 is a flowchart of the settlement processing of the electronic settlement system according to the present embodiment.
- FIGS. 17 to 19 are flowcharts showing the details of the processing in FIG.
- the difference between this embodiment and the first embodiment is that, when the user terminal 20 selects the synchronized payment menu and starts the payment, it connects to the voice authentication center 42 via the carrier server 40. First, voice authentication is performed. Other processing Since the processing is the same as that of the first embodiment, processing different from that of the first embodiment will be described.
- the user selects the electronic payment menu from the user terminal 20 and starts electronic payment (300).
- a screen for inputting the "order telephone number” is displayed. Enter the "order telephone number” described in a mail order advertisement or catalog (302), and make a call. (304).
- the “order telephone number” is the telephone number of the voice authentication center 42, and the user terminal 20 is connected to the voice authentication center 42 by telephone. Transmission of information from the user terminal 20 to the voice authentication center 42 is performed by voice or input of a push-phone, and transmission of information from the voice authentication center 42 to the user terminal 20 is instructed by voice. This is done with voice guidance providing information.
- the voice authentication center 42 inquires the user information (306). The processing of the user information inquiry 303 will be described with reference to FIG.
- the voice authentication center 42 detects the user terminal number of the user terminal 20 (3060).
- An example of the user terminal number of the user terminal 20 is a calling telephone number. If the user terminal 20 is set for calling number notification, the calling party's calling phone number can be detected from the called party. If the user terminal 20 is set to not notify the number, it is not possible to detect the caller's calling phone number from the destination, so in that case, the user of the user terminal 20 is prompted to change the setting. Then, the voice guidance is sent from the voice authentication center 42 to the user terminal 20.
- the voice authentication center 42 accesses the user database 60 (3062) and checks whether the user terminal 20 is registered as a user based on the user terminal number (3064). If the user has not been registered, a voice guidance is sent to the user terminal 20 indicating that the user terminal 20 is not registered in the database (30666), and the connection with the user terminal 20 is disconnected. (3068), and the process ends. If the user registration is confirmed, the user information is extracted from the user database 60 (3070). The user information contains information on the user's usage status, and based on that information, the user's credit card or bank card usage Check if there is no problem in the situation (3072).
- voice guidance is sent to notify that the user terminal 20 cannot be used (3074), the connection with the user terminal 20 is disconnected (3076), and the process ends.
- voice guidance is sent to notify that the user terminal 20 cannot be used (3074)
- the connection with the user terminal 20 is disconnected (3076)
- the process ends.
- the processing of the user information inquiry 306 ends, and the process proceeds to the next processing.
- the voice authentication center 42 performs the process of voice authentication 308 after the process of the user information inquiry 310.
- the process of voice authentication 308 will be described with reference to FIG.
- the voice authentication center 42 accesses the user voice database 44 (3800) and, based on the user terminal number of the user terminal 20 detected earlier, from the user voice database 44 to the user terminal 20.
- the voice information of the user is extracted (3082).
- the user's voice information is voice data when the user utters a specific registered word.
- the number n for requesting the user to utter the registration code is initialized to 0 (3084).
- the number n of registration word requests is incremented by one (30886), and voice guidance requesting the utterance of the registration code is transmitted to the user terminal 20 (3088).
- This voice guidance is, for example, a voice message that says, "Please say the registration word after the dial tone. When you are finished, press #.”
- the user terminal 20 receives the voice guidance, the user utters the registration word, and the user's voice is input (3090).
- the voice of the uttered user is transmitted to the voice authentication center 42 (3092).
- the voice authentication center 42 compares the voice of the registered code transmitted from the user terminal 20 with the voice of the registered word of the user extracted from the user voice database 44 (3094). As a result of the voice verification, when it is determined that the voice transmitted from the user terminal 20 matches the voice of the user extracted from the user voice database 44, the voice authentication 308 is terminated.
- n the number of registered word requests n exceeds 2 (3096). If n does not exceed 2, Return to processing 806 and repeat the registration mode request. If n exceeds 2, it determines that voice authentication is not possible (3908), sends voice guidance indicating that voice authentication was not possible to the user terminal 20 (3100), and terminates. You.
- the voice authentication center 42 sends voice guidance to the user terminal 20 to prompt the user to input the cashier number (3110).
- the voice guidance is, for example, a voice message such as "You have been authenticated. Please dial your cashier number.”
- the user dials and inputs a cashier number from the user terminal 20 (3 1 2).
- the cash register number is a number for identifying the cash register server 14 that performs mail order.
- the entered cash register number is transmitted to the voice authentication center 42 (3 1 4).
- the voice authentication center 42 queries the cashier information based on the cashier number received from the user terminal 20 (315).
- the processing of the cashier information inquiry 3 15 will be described with reference to FIG.
- the sink server 30 accesses the cash register database 50 (3182) and checks whether the cash register server corresponding to the register number is registered (3184). If the cash register server 14 is not registered, the voice guidance for notifying that the corresponding cash register server cannot be found is transmitted to the user terminal 20 (3186). The user terminal hears the sound "No cashier corresponding to the cashier number entered" and returns to the cashier number input 312 process.
- the situation where the cashier server 14 corresponding to the cashier number is not registered may occur when the user inputs the wrong cashier number, or when the user inputs a cashier number for a mail order whose expiration date has passed.
- the cash register information is extracted (3184).
- a seller name, an authentication method, an access number of the cash register server 14 and the like are registered.
- the sync server 30 extracts the access number of the cash register server 14 from the cash register information.
- the access number is, for example, a telephone number to which the cashier server 14 is connected.
- the sync server 30 sends voice guidance to the user terminal 20 to confirm the cashier information.
- the user terminal 20 for example, the cash register for the “Mail Order Kataguchi July issue was selected. If you like, please hang up the phone and wait for the message. If it is not the desired cash register, enter the cashier number again. Please help me.
- the voice authentication center 42 sends an order processing command to the sync server 30 and distributes the cashier number.
- Voice authentication center 42 sends voice guidance “Please hang up the phone and wait for message” to user terminal 20, and the telephone connection between voice authentication center 42 and user terminal 20 is disconnected.
- the synchronization server 30 receives the order processing command from the voice authentication center 42 and receives the cash register number.
- the synchronization server 30 accesses the cashier server 14 corresponding to the cashier number (320).
- the cashier server 14 activates the virtual cashier terminal 12 (3 2 2).
- the virtual cashier terminal 12 is a device or a process serving as a cashier terminal, and may be a terminal device provided in the cashier server or a program activated in the cashier server.
- the virtual cashier terminal 12 is connected to the synchronization server 30 (3 2 3).
- the synchronization server 30 When connected to the virtual cashier terminal 12, the synchronization server 30 creates “link information” for specifying a transaction with the virtual cashier terminal 12 (3 2 4).
- the link information of the present embodiment is an example of a transaction identification number, and specifies a transaction between the user terminal 20 and the virtual cashier terminal 12.
- the synchronization server 30 synchronizes the communication between the user terminal 20 and the virtual cashier terminal 12 based on the link information, and performs a payment process.
- the link information includes, in addition to the transaction identification number, cashier identification information for identifying the cashier server 14, such as the name of a mail order seller or a welcome message.
- the synchronization server 30 distributes the link information to the user terminal 20 (32).
- the user terminal 20 Upon receiving the link information from the synchronization server 30, the user terminal 20 displays a welcome message similar to the screen shown in FIG. 13 (f) of the first embodiment on the screen. The user can check this screen to see if it is a mail-order site that he / she wants to connect to (328).
- the user terminal 20 sends a link information confirmation signal to the sync server 30 (330).
- the link information confirmation signal includes cashier terminal identification information for identifying the virtual cashier terminal 12 included in the link information.
- the electronic payment can be cancelled. Wear. This cancellation process is performed when an unintended mail-order site is displayed on the screen, for example, because the user has entered the wrong cashier number.
- the link information confirmation signal is received, the synchronization is established (332).
- the settlement processing after the processing of the establishment of the single (3 3 2) is the same as that of the first embodiment, and therefore the description is omitted.
- the electronic payment system of the present embodiment since the user is authenticated by voice and then the electronic payment is performed, high authentication accuracy can be ensured.
- An electronic payment system according to a third embodiment of the present invention will be described.
- the user can order and settle goods for mail order via a network.
- the electronic payment system of the present embodiment differs from the first embodiment in that image authentication is used as a user authentication method.
- FIG. 20 is a configuration diagram of the electronic payment system according to the present embodiment.
- the electronic payment system according to the present embodiment includes a cashier server 14, a virtual cashier terminal 12 as an example of a billing terminal, a user terminal 20 as an example of a payment terminal, and a sink port server as an example of a payment device. 30, a carrier server 40, a cashier database 50 as an example of a billing terminal database, a user database 60 as an example of a payment terminal database, a user account database 70, and an image authentication center 46.
- the user image database 48 is provided.
- the image authentication center 46 authenticates the user based on the image transmitted by the user terminal 20.
- the image authentication center 46 has a user image database 48, and can match an image transmitted by the user terminal 20 with an image of a user registered in the user image database 48 in advance.
- image data of a photograph of the user's face, image data of the iris or retina of the user's eye, or image data of the user's finger print is used.
- the user uses these image data as authentication data.
- FIG. 21 is a schematic diagram of a mobile terminal having a communication function, which is an example of the user terminal 20 of the present embodiment.
- the mobile terminal 90 can perform wireless communication by connecting the mobile phone 92. Also, by connecting a CCD camera 94, an image of the user's face can be captured. Also, by connecting the fingerprint detection pad 96, an image of the user's fingerprint can be captured.
- the mobile terminal 90 has a wireless communication function equivalent to the mobile phone 92, an imaging function equivalent to the CCD camera 94, and a fingerprint detection function equivalent to the fingerprint detection pad 96 inside the mobile terminal 90. Is also good.
- FIG. 22 is a flowchart of the settlement processing of the electronic settlement system according to the present embodiment.
- the processing and communication denoted by the same reference numerals as those in FIG. 5 are the same as those in the first embodiment, and therefore the description thereof is omitted, and the user image information authentication different from that of the first embodiment 2 1 1 Will be described.
- FIG. 23 is a flowchart showing details of the process of user image information authentication 211.
- the synchronization server 30 authenticates the user terminal based on the authentication method determined in the cashier terminal information inquiry 206.
- the authentication method is any of authentication using image information that can identify the user as an individual, such as authentication using a face image, authentication using an image of the iris or retina of the eye, or authentication using a fingerprint image.
- the synchronizer 30 accesses the user image database 48 (2700), acquires user image information necessary for authentication, and creates authentication data (2). 7 0 2).
- the sync server 30 initializes a variable n for storing the number of times of requesting image information to 0 (2704).
- the sink server 30 increments n by 1 (2706), and sends an image information request message to the user terminal 20 (2708).
- the user terminal 20 displays a screen for instructing the user terminal 20 to input image information, for example, an image of a face, an image of an iris or a retina of an eye, an image of a fingerprint, and the like to the user terminal 20.
- Image information is input to the user terminal 20 using the CCD camera 94 or the fingerprint detection pad 96 (2710).
- User terminal 2 0 Transmits the image information input by the user to the synchronization server 30 (2712).
- the synchronization server 30 receives the image information transmitted from the user terminal 20 and checks it against the image information acquired from the user image database 48 (2714).
- the image information transmitted by the user terminal 20 does not match the image information obtained from the user image database 48, it is checked whether the number of image information requests n is greater than 2 (2 7 16), otherwise , And returns to the processing of 276, and repeats the request for image information. If the image information request number n is larger than 2, the authentication processing is terminated (2718), and an authentication failure message is transmitted to the user terminal 20 (2720). The user terminal 20 displays a screen notifying that the service cannot be used because the authentication could not be performed (2724).
- the sync server 30 confirms that the image information transmitted by the user is correct in the image information collation 2 7 14, the user image information authentication 2 11 ends the process.
- the user can be authenticated as an individual by transmitting information identifying the user as an individual, such as a face, an iris or retina of the eye, a fingerprint, or the like, as image data. Secure electronic payments can be made. Also, in the case of image authentication, unlike voice authentication, there is no need to connect a mobile phone to a voice carrier, so that authentication to payment can be performed continuously using the mobile phone's data bucket communication function. .
- An electronic payment system according to a fourth embodiment of the present invention will be described.
- the user performs settlement of merchandise in the mail order via a network.
- the first point is that there is no need to enter the cash register number that identifies the server 14, and ordering of goods can be done by calling the mail order center and interacting with the order receiving operator. Is different from the embodiment.
- FIG. 24 is a configuration diagram of the electronic payment system according to the present embodiment.
- the electronic payment system according to the present embodiment includes a cashier server 14 and a virtual cashier terminal as an example of a billing terminal.
- a cashier server 14 and a virtual cashier terminal as an example of a billing terminal.
- an order receiving center 15 a user terminal 20 as an example of a payment terminal, a sync server 30 as an example of a payment device, a carrier server 40, and a cash register as an example of a billing terminal database.
- An order receiving center 15 having a database 50, a user database 60 as an example of a payment terminal database, and a user account database 70 accepts orders by mail for telephone sales.
- the operator accepts the user's order by telephone, the operator determines the contents of the order, and creates an order list using the order receiving means of the order receiving center 15.
- the order receiving center 15 extracts the identification information of the user terminal 20, for example, the calling telephone number of the user terminal 20. If the user terminal 20 is set for calling number notification, the calling party's calling phone number can be detected from the called party.
- the operator inquires the caller of the caller's phone number because the caller cannot detect the sender's phone number.
- the order receiving center 15 transmits the calling telephone number of the user terminal 20 and the order list to the cashier server 14 using the communication means 19 and activates the virtual cashier terminal 12 for billing the transaction.
- the communication means 19 may be a telephone line or a dedicated line.
- the order center 15 and the cashier server 14 may be connected by LAN.
- the other components denoted by the same reference numerals as those in FIG. 1 have the same operation and configuration as those in the first embodiment, and thus description thereof will be omitted.
- FIG. 25 is a flowchart of the settlement processing of the electronic settlement system according to the present embodiment.
- the user inputs the "order telephone number" described in the mail order advertisement or catalog (302), and calls the order center 15 (304).
- the order receiving center 15 acquires the calling telephone number of the user terminal 20 as identification information of the user terminal 20.
- the user places an order for the product by interacting with the operator of the order receiving center 15 (307).
- the operator inputs the contents of the order using the order management means of the order center 15, and creates an order list (309).
- the operator checks the order details with the user, tells the total purchase price, and asks for a settlement method.
- the order center 15 When the user requests the synchronized electronic payment (3 1 1), the order center 15 receives the outgoing telephone number of the user terminal 20 and the note The statement list and the cashier server 14 are transmitted to the cashier server 14 to activate the virtual cashier terminal 12 for billing the transaction (3 13). The operator of the order receiving center 15 hangs up the telephone, instructs the user to wait for the synchronization settlement message to be delivered, and hangs up the telephone.
- the cashier server 14 activates the virtual cashier terminal 12 (3 2 2).
- the virtual cashier terminal 12 is a device or process serving as a cashier terminal, and may be a terminal device provided in the cashier server, or may be a program started in the cashier server. .
- the virtual cashier terminal 12 connects to the sink server 30 and transmits the identification information of the cashier server 14 (3 2 3).
- the sync server 30 inquires cash register information based on the identification information of the cash register server 14 received from the virtual cash register terminal 12 (3 15).
- the processing of the cashier information inquiry 3 15 is the same as the processing of the cashier information inquiry 206 of the first embodiment, and therefore the description is omitted.
- the sync server 30 specifies the transaction with the virtual cashier terminal 12. Yes Create “link information” (3 2 4).
- the link information includes cashier terminal identification information for identifying the virtual cashier terminal 12 connected to the synchronization server 30 and cashier identification information for identifying the cashier server 14, such as the name of the seller and a welcome message. included.
- the registration terminal identification information is an example of a transaction identification number, and specifies a transaction between the user terminal 20 and the virtual cashier terminal 12.
- the synchronization server 30 synchronizes communication between the user terminal 20 and the virtual cashier terminal 12 based on the link information, and performs a payment process.
- the synchronization server 30 distributes the link information to the user terminal 20 (326).
- the user terminal 20 Upon receiving the link information from the synchronization server 30, the user terminal 20 displays a welcome message similar to the screen shown in FIG. 13 (f) of the first embodiment on the screen. The user can check this screen to see if it is a mail-order site that he / she wants to connect to (328).
- the user terminal 20 sends a link information confirmation signal to the sync server 30 (330).
- the link information confirmation signal includes cashier terminal identification information for identifying the virtual cashier terminal 12 included in the link information. If the user selects the cancel button, the electronic payment can be canceled.
- This cancellation process is performed, for example, when an unintended mail-order site is displayed on the screen because the user has entered an incorrect cashier number.
- the synchronization server 30 Upon receiving the link information confirmation signal from the user terminal 20, the synchronization server 30 establishes synchronization (332). The process of establishing the sink port 3 2 2 is the same as in the first embodiment, and a description thereof will be omitted.
- the synchronization server 30 transmits a synchronization signal to the virtual cashier terminal 12 (334).
- the virtual cashier terminal 12 calculates the purchase price based on the order list received from the order receiving center 15 (3466), and sends the purchase price information including the order details and the purchase price to the sink.
- the call is transmitted to the server 30 (348).
- the sink server 30 performs password authentication (349). Since the password authentication 349 is the same as the password authentication 2110 of the first embodiment, the description is omitted.
- the password authentication 349 performed by the sink server 30 is performed based on the authentication method specified by the cashier server 14 in the processing of the cashier information inquiry 315.
- the cashier server 14 may specify the authentication method so that the passcode authentication is performed only when the total purchase amount is equal to or more than the predetermined amount.
- the user may specify an authentication method. For example, in order to prevent unauthorized use when the user terminal 20 is stolen, the authentication method is set in the user database 60 so that password authentication is performed. Is also good.
- the sink server 30 extracts the authentication method set by the user from the user database 60 in the processing of the user information inquiry 360, and combines it with the authentication method set by the cash register server 14, The authentication method may be determined.
- the virtual cashier terminal 12 receives the settlement completion notification from the synchronization server 30 (360), it sends an ordering command to the order receiving center 15 (366).
- the order center processes the order with the order center (3688).
- the ordering command received from the virtual cashier terminal 12 includes the calling telephone number as identification information for identifying the user terminal 20.
- the order receiving center 15 receives the user terminal based on the calling telephone number. 2 0 Can be specified.
- the order receiving center 15 can accept an order from another user.
- the order receiving center — 15 receives the order from the virtual cashier terminal 12 in processing 367, identifies the order, replaces the order list with the order list, and places an order at the ordering center. it can.
- the outgoing telephone number was used as the identification information of the user terminal 20, and the sync server 30 distributed the link information based on the outgoing telephone number of the user terminal 20, but instead of the outgoing telephone number Alternatively, the e-mail address of the user terminal 20 may be used, and the link information may be transmitted to the user terminal 20 as an e-mail.
- the user does not need to input a cash register number for identifying the cash register server 14 that performs mail order, and the order of the product can be made by calling the mail order center and receiving the order. This can be done by interacting with the operator.
- the user does not have to input the order information of the product from the user terminal 20 and can easily perform the order and settlement of the mail order.
- the user terminal 20 is a mobile phone, it is easier and more convenient to place an order by telephone voice than to input characters or numbers.
- the same payment method as the electronic payment system described above can be applied to payment at retail stores.
- the clerk at the store checks the purchase of the user at the cashier terminal
- the clerk hears the calling telephone number or the e-mail address of the user terminal 20 of the user from the user and inputs it to the cashier terminal.
- the cashier terminal transmits the outgoing telephone number or e-mail address of the user terminal 20 to the synchro server 30.
- the sync server 30 distributes link information to the user terminal 20 based on the originating telephone number or e-mail address of the user terminal 20 received from the cashier terminal.
- the link information includes information of a cash register at a retail store, and the user can check the cash register using the link information displayed on the user terminal 20.
- the synchronizer 30 establishes a sink with the cash register of the retail store, and performs the same operation as the electronic payment system described above. Electronic settlement can be performed between the user terminal 20 and the cashier terminal of the retail store.
- the user terminal 20 instead of the user notifying the clerk of the calling telephone number or the e-mail address of the user terminal 20, the user terminal 20 uses the optical communication such as infrared communication or the short-range wireless communication and the cashier terminal.
- the transmission phone number or the e-mail address of the user terminal 20 may be transmitted to the user.
- the user terminal 20 may display the calling telephone number or the electronic mail address on the screen by using a pattern code such as a bar code or a cyber code which is a two-dimensional bar code.
- the user conveys the calling telephone number or the e-mail address to the registration terminal by causing the pattern code reading section provided on the cashier terminal to read the pattern code displayed on the screen of the user terminal 20.
- the synchronization server 30 as an example of a settlement device may be realized by a general-purpose computer.
- FIG. 26 is a block diagram illustrating a hardware configuration of the general-purpose computer 600.
- the computer 600 operates according to the programs stored in the ROM 604 and the RAM 606.
- the input device 608 allows the administrator of the sync server 30 to input a data @ command.
- a hard disk drive 6100 as an example of a storage device stores setting information and a program for operating the CPU 602.
- the floppy disk drive 614 reads data or a program from the floppy disk 624 and provides it to the CPU 602.
- the CD-ROM drive 616 reads data or a program from the CD-ROM 626 and provides it to the CPU 602.
- the first communication interface 6 18 connects to the communication line 18 to transmit and receive data.
- the second communication interface 62 0 connects to the communication line 38 to transmit and receive data.
- the database interface 612 connects to various databases 622 to transmit and receive data in the database.
- the sync server 30 has an interface for connecting to the display 6 28, and the administrator can monitor the operation status of the sync server 30 by the display 6 28. Or check the setting information.
- FIG. 27 is a block diagram showing a functional configuration of software executed by the CPU 602 shown in FIG.
- Such software is stored in a recording medium such as a floppy disk 624 or a CD-ROM 626 and provided to a user.
- the software stored in the recording medium may be compressed or uncompressed.
- the software is installed from the recording medium to the hard disk drive 6 10, read out by the RAM 606, and executed by the CPU 602.
- the software stored on the recording medium that is, the software installed on the hard disk drive 6100, has a functional configuration of a payment processing module 642, a first communication module 644, and a second communication module. It has a module 646 and a database search module 648.
- the settlement processing module 642, the first communication module 644, the second communication module 646, and the database search module 648 work on the computer 600 to cause the CPU 602 to perform, respectively.
- the functions and operations of the payment processing unit 80, the first communication unit 82, the second communication unit 84, and the database search unit 86 in the sync server 30 of the first, second, third, and fourth embodiments are the same. Therefore, the description is omitted.
- floppy disk 624 or the CD-ROM 626 as an example of the recording medium shown in FIG. 26, a part of the operation of the sink port server 30 as an example of the settlement apparatus according to all the embodiments described in the present application.
- all functions can be stored.
- a part of the operation of the cash register server 14 described in the above embodiment is executed by the synchronizing server 30 in place of the cash register server 14, a part of the operation of the cash register server 14 described in the above embodiment is also included. It can also be stored on floppy disk 624 or CD-ROM 626.
- These programs may be read directly from the recording medium to the RAM and executed, or may be read into the RAM after being installed in the hard disk drive and executed. Further, the above program may be stored on a single recording medium or on a plurality of recording media. Also, it may be stored in an encoded form. Recording media include floppy disks, CD-ROMs, optical recording media such as DVDs, magnetic recording media such as MDs, magneto-optical recording media such as PDs, tape media, magnetic recording media, IC cards and miniatures. A semiconductor memory such as a single card can be used.
- a storage device such as a hard disk or a RAM provided in a dedicated communication network or a server system connected to the Internet is used as a recording medium, and the program is transmitted to the sink port server 30 via the communication network. May be provided.
- a recording medium is used only for manufacturing the synchronizing server 30, and the manufacture and sale of such a recording medium as a business constitute infringement of the patent right based on the present application. Is clear.
- the communication line 18 for the register server 14 to connect to the synchronization server 30 is a telephone line, a dedicated line, or the like. It may be wireless communication or the Internet.
- the communication line 18 is the Internet, it is preferable to use a secure communication method in order to secure communication with the synchronization server 30.
- the communication path between the carrier server 40 and the synchronization server 30 and the communication path between the register server 14 and the sink server 30 are provided with bit filtering means, and the user terminal 20 and the cash register server are provided. 14 may detect the data format and bit pattern of the data exchanged with the sink server 30.
- the bit filtering means can observe the format and bit pattern of the exchanged data and easily determine whether or not the access pattern is an unexpected one. Therefore, it is possible to detect unauthorized intrusion into the electronic payment system and unauthorized access for destruction.
- the user can electronically order and pay for goods in mail-order sales such as magazines and catalogs.
- the user Before placing an order for mail-order sales, the user can check the link information displayed on the mobile terminal to confirm that the user has connected to the desired mail-order sales site. You.
- a mail order seller can authenticate a user with a password or the like, and then make a payment.
- the electronic settlement system of the second embodiment since the user is authenticated by voice and then the electronic settlement is performed, high authentication accuracy can be secured.
- the authentication of the identity of the user is performed by transmitting, as image data, information identifying the user as an individual, such as a face, an iris or retina of the eye, a fingerprint, or the like. And secure electronic payments. Also, in the case of image authentication, unlike voice authentication, there is no need to connect a mobile phone to a voice carrier, so that authentication to settlement can be performed continuously using the mobile phone's data bucket communication function. .
- the user does not need to input a cash register number for identifying the cash register server 14 performing mail order, and the order of the product can be made by calling the mail order center. Can be done by interacting with the order entry operator.
- the user does not have to input the order information of the product from the user terminal 20 and can easily perform the order and settlement for the telecommunications sales.
- the electronic payment system of the present invention has the following advantages for mail-order sellers. Reliable user authentication can be performed based on the uniqueness of the outgoing telephone number of the mobile phone. Also, by selecting an authentication method, the accuracy of the authentication can be easily changed according to the payment amount and the settlement environment.
- the electronic payment system of the present invention has the following advantages for the user.
- Carrying a portable communication terminal such as a mobile phone makes it possible to electronically settle purchases anytime and anywhere, eliminating the need to carry cash / credit cards, bank cards, IC money cards, etc. .
- the user can use the data bucket communication function of the mobile phone to check the account withdrawal status, available balance, purchase history, and the like.
- the electronic payment system of the present invention has the following advantages for a credit card company.
- An authentication method using a mobile phone can prevent unauthorized use of credit cards. Credit settlement is performed electronically using a mobile phone. As a result, credit card issuance and management is not required, and costs can be reduced.
- the use of the multi-authentication method prevents fraudulent use of the user's settlement account even if the employee in charge of a credit card company or the like illegally takes out data.
- the settlement in the transaction of the product can be performed safely and simply via the network.
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- General Business, Economics & Management (AREA)
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Description
Claims
Priority Applications (4)
Application Number | Priority Date | Filing Date | Title |
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AU34560/00A AU3456000A (en) | 1999-08-02 | 2000-03-29 | Electronic settlement system, and settlement device and terminal |
JP2001514352A JP4083428B2 (ja) | 1999-08-02 | 2000-03-29 | 電子決済システム、決済装置及び端末 |
US09/630,563 US7571117B1 (en) | 1999-08-02 | 2000-08-02 | Electronic authentication system, authentication apparatus, and terminal |
US11/672,701 US7865401B2 (en) | 1999-08-02 | 2007-02-08 | Electronic settlement system, settlement apparatus, and terminal |
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PCT/JP1999/004178 WO2001009806A1 (fr) | 1999-08-02 | 1999-08-02 | Systeme de reglement electronique, dispositif et terminal de reglement |
JPPCT/JP99/04178 | 1999-08-02 |
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PCT/JP1999/004178 Continuation WO2001009806A1 (fr) | 1999-08-02 | 1999-08-02 | Systeme de reglement electronique, dispositif et terminal de reglement |
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US09/630,563 Continuation US7571117B1 (en) | 1999-08-02 | 2000-08-02 | Electronic authentication system, authentication apparatus, and terminal |
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PCT/JP2000/002014 WO2001009807A1 (fr) | 1999-08-02 | 2000-03-29 | Systeme de reglement electronique, et dispositif et terminal de reglement |
PCT/JP2000/002015 WO2001009808A1 (fr) | 1999-08-02 | 2000-03-29 | Systeme, dispositif et terminal de reglement electronique |
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PCT/JP2000/002014 WO2001009807A1 (fr) | 1999-08-02 | 2000-03-29 | Systeme de reglement electronique, et dispositif et terminal de reglement |
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JP (3) | JP4393739B2 (ja) |
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- 2000-03-29 JP JP2001514351A patent/JP4399137B2/ja not_active Expired - Fee Related
- 2000-08-02 US US09/630,563 patent/US7571117B1/en not_active Expired - Fee Related
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2005
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2006
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US7448540B2 (en) | 1999-08-02 | 2008-11-11 | Softbankbb Corporation | Electronic settlement system, settlement apparatus and terminal |
US7457782B2 (en) | 1999-08-02 | 2008-11-25 | Softbankbb Corporation | Electronic settlement system, settlement apparatus and terminal |
US7571117B1 (en) | 1999-08-02 | 2009-08-04 | Softbankbb Corporation | Electronic authentication system, authentication apparatus, and terminal |
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JP2008165812A (ja) * | 2001-02-27 | 2008-07-17 | Exxonmobil Research & Engineering Co | 金融取引を処理するためのシステムおよび方法 |
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JP2014513825A (ja) * | 2011-09-27 | 2014-06-05 | シームレス ペイメンツ アーベー | 安全な2者照合取引システム |
US9519900B2 (en) | 2011-09-27 | 2016-12-13 | Seqr Group Ab | Secure two party matching transaction system |
US8917826B2 (en) | 2012-07-31 | 2014-12-23 | International Business Machines Corporation | Detecting man-in-the-middle attacks in electronic transactions using prompts |
JP6454807B1 (ja) * | 2018-04-20 | 2019-01-16 | 株式会社野村総合研究所 | 音声認証決済システム |
JP2019191716A (ja) * | 2018-04-20 | 2019-10-31 | 株式会社野村総合研究所 | 音声認証決済システム |
Also Published As
Publication number | Publication date |
---|---|
US7457782B2 (en) | 2008-11-25 |
US20060129504A1 (en) | 2006-06-15 |
WO2001009806A1 (fr) | 2001-02-08 |
JP4393739B2 (ja) | 2010-01-06 |
AU3455900A (en) | 2001-02-19 |
US7448540B2 (en) | 2008-11-11 |
JP4083428B2 (ja) | 2008-04-30 |
US20070130025A1 (en) | 2007-06-07 |
WO2001009807A1 (fr) | 2001-02-08 |
AU4933799A (en) | 2001-02-19 |
US7571117B1 (en) | 2009-08-04 |
US7657490B1 (en) | 2010-02-02 |
JP4399137B2 (ja) | 2010-01-13 |
US7865401B2 (en) | 2011-01-04 |
US20050127167A1 (en) | 2005-06-16 |
AU3456000A (en) | 2001-02-19 |
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