JP2002183612A - Method and system for non-cash account settlement of use charge - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a method for non-cash account settlement allowing account settlement in all commercial transactions, using a portable terminal or carrying only portable terminal, without using cash or various cards. SOLUTION: This method for non-cash account settlement in paying the charge for goods and service (excluding information providing service using a telephone), comprises the procedure (step 1) of telephoning the portable terminal owned by a user, presenting at least the cause of a claim and the amount of money and making an inquiry as to whether to permit account settlement, the procedure (step 2) of confirming the input of permission of account settlement from the portable terminal, the procedure (step 3) of charging the use charge to a concerned payment account, in relation to the use details such as the specifications of goods and service, the date and time of use and a charge for use, and the procedure (step 4) of informing a goods-service providing site to the effect that charging processing to the payment account of the portable terminal is completed.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and a system for non-cash settlement of usage fees such as parking lot use, shopping at stores, mail-order sales, and Internet ASP use. The present invention relates to a non-cash payment method and a non-cash payment system which is configured to charge a mobile terminal possessed by many Japanese and does not need to use cash or various cards.

[0002]

2. Description of the Related Art There are various methods for paying usage fees for parking lots, stores, mail-order sales, Internet ASP, and the like. 1) Cash payments are the simplest and most secure method of giving and receiving money. In mail-order sales, payment was made by postal money order or the like after cash on delivery or product receipt. 2) In the case of payment by credit card, the card is passed through a card reader (reader) provided at a site for providing goods / services to read the personal identification number or the like recorded on the magnetic strip. And collate. After confirming that the user is the principal by such collation (after confirming the principal), the settlement for the transaction is performed. If there is no card reader, confirmation is made by collating with the signature described in the signature field provided on the back of the card.

[0003] 3) With a debit card, a cash card of a financial institution is used to withdraw money from a user's deposit account at the time of shopping at a retail store, and deposit the money into an account designated by the retail store. Credit sets credit lines,
Debits differ in that they make immediate payments. Confirmation of the identity of the debit card user is performed by a card reader (reader) or by collation of a signature, similarly to a credit card. Consumers have the convenience of being able to shop without cash and make immediate payments. On the other hand, retailers have the advantage of being able to collect sales immediately with a lower commission than credit cards. 4) In the payment method using a prepaid card, regardless of whether or not the user is the person who purchased the card, the amount used is deducted from the balance written on the card to update the usable amount. Spread is promoted due to discounts, premiums, fashionable card designs, and the like, which require no change and can be settled in a short time. Recently, a single card such as a passnet that can use multiple railways and buses has been issued and is gaining in popularity.

[0005] 5) An unusual payment method is dial Q2. In dial Q2, the user uses an information terminal having his / her own telephone function, and makes a telephone call from the information terminal to a service provider in which information is registered. In this case, the fee is charged based on the amount of information used. That is, the telephone company pays the usage fee together with the telephone fee of the telephone number from the user who owns the information terminal on behalf of the service providing company. In this case, whether the person using the information provided by the service provider is the owner of the information terminal is determined.
It was just done by simple confirmation of the collation of the personal identification number. 6) In business such as sales, the usage fee for accessing the data server from a mobile terminal such as a PC or PDA is settled according to a predetermined payment method after authenticating who the user is. I do. Authentication in this case requires modification such as attaching an attached device.

[0005]

The first payment method described above involves a risk of being dropped or stolen because cash must always be carried around. Also, when there is no change, as in the case of using a parking lot, it cannot be used.
In addition, there are drawbacks such that a banknote becomes wet on a rainy day and cannot be used, and an old banknote with many wrinkles cannot be used. In addition, cash on delivery and postal payments will not be accepted without cash at the time. Further, there is an annoyance that the user has to go to a post office and perform a predetermined procedure.

[0006] Under such circumstances, there has been a demand for development of a payment method that does not use cash. The above-mentioned 2) to 4) respond to such a demand, but payment by a credit card and a debit card may cause serious damage if a third party obtained by theft or picking up uses the card illegally. In addition, it is bulky and inconvenient to carry various credit cards, debit cards, and prepaid cards in a wallet, and it is troublesome to search for available cards each time. Therefore, a new payment method and system that does not require carrying a card has been demanded.

[0007] In addition, identity verification associated with the use of a card, that is, authentication is also an extremely important matter in completing a commercial transaction. Conventionally, the identity of a user has been verified by checking the personal identification number recorded on a magnetic strip on the back of the card with the personal identification number given by the user in the case of a credit card or a debit card. Alternatively, the verification is performed by collating the information described in the signature field provided on the back of the card with the signature described in the usage statement by the user. In the former method, with the advent of devices capable of reading items recorded on a magnetic strip, it has become impossible to compete against unauthorized use. A credit card in which an IC chip is embedded has been developed to eliminate such defects and increase the amount of information that can be stored in the card. However, it has not been put to practical use in terms of price. In the latter case,
Except when used abroad, the practice was to imitate the signature and practice would be indistinguishable from the real thing. Further, each method has a drawback that the card must always be carried in a wallet as long as the card is used.

[0008] The prepaid card has a relationship in which the user gives credit to the business operator, which is opposite to the case of a postpaid credit card. This is why discounts and premiums are set on prepaid cards. In this connection, there was a fatal drawback that it was unsuitable for purchasing expensive items and lacked versatility. This means that a large number of prepaid cards must always be brought for each application, and it is also difficult to find a desired one from a large number of prepaid cards. In addition, since identity is not confirmed at the time of use, it is impossible to recover theft or lost items. In addition, since a prepaid card gives a desired profit at the point of sale at the time of sale, there is a situation in which an authentication system for protecting a user is eager to construct.

In the dial Q2, when a user calls a service providing company using a communication line such as a public line and uses the information, the telephone company replaces the service providing company with a usage fee according to the amount of information. Pay. The telephone company specifies and pays the usage fee for using the public line in connection with the use of the information by identifying the subscriber of the information terminal by obtaining the sender information. As a result, the payment of the usage fee can be made more efficient. However, dial Q2
Can be used by a simple confirmation of the collation of the password as in the case of the credit card. Therefore, there is a drawback that it is practically impossible to cope with unauthorized use when a password is leaked.

[0010] Further, in such a payment method, the service to be used is a service performed using the line of the telephone company, that is, an information providing service using a communication line, because the telephone company collects usage charges on behalf of the telephone company. Was limited. In other words, services other than general retail stores, merchandise handled at stores, and information providing services using telephone lines, such as travel fees, insurance contracts, hotel accommodation charges, various facility admission fees, etc. are completely Was excluded. PC
The usage fee for accessing the data server from a mobile terminal such as a mobile terminal or a PDA is settled according to a predetermined payment method after authenticating who the user is. The authentication in this case is surely performed by attaching an attached device, but there is a disadvantage that the price of the attached device is relatively expensive.

[0011] Therefore, the present invention can be used to carry out settlement in all commercial transactions in cash and various types of goods and services by using a portable terminal possessed by many Japanese people and carrying only the portable terminal. It is an object of the present invention to provide a non-cash settlement method and a non-cash settlement system that can be performed without using a card. Another object of the present invention is to provide a non-cash payment method and a non-cash payment system that can easily and almost completely prevent unauthorized use by improving the accuracy of identity verification. Another object of the present invention is to provide a non-cash settlement method and a non-cash settlement system that can notify a management device of a telephone number of a mobile terminal by an appropriate method. Still another object of the present invention is to provide a non-cash settlement method and a non-cash settlement system that enable a user to make a call to a mobile phone with a simple configuration.

It is still another object of the present invention to provide a non-cash settlement method and a non-cash settlement system which allow a user to input a telephone number of a mobile phone of a user by appropriate means. It is still another object of the present invention to provide a non-cash settlement method and a non-cash settlement system that can efficiently disperse a risk burden due to non-payment of a usage fee or the like. Still another object of the present invention is to provide a non-cash settlement method and a non-cash settlement system which enable collection of the most efficient usage fee. It is still another object of the present invention to provide a personal identification method and a personal identification system for specifying that a person inputs from a place such as a site for providing goods and services by a simple configuration.

[0013]

SUMMARY OF THE INVENTION The present invention has achieved the above-mentioned object, and is a non-cash settlement method for a usage fee such as parking lot use, shopping at a store, mail order sales, Internet ASP use, and the like. When paying for a product or service (excluding information provision service using a telephone), make a call to the mobile terminal owned by the user and indicate at least the cause of the bill and the amount of the payment to permit settlement. A procedure for making an inquiry about whether or not to make a payment from the mobile terminal, and a procedure for confirming an input indicating permission to make a payment from the mobile terminal. A procedure for charging the usage fee in connection with the specification of the service, date and time of use, usage fee, and the like; and
Providing a notification to the effect that charging processing of the payment account of the portable terminal has been completed to a product / service providing site.

According to a second aspect of the present invention, there is provided the non-cash settlement method according to the first aspect, further comprising a telephone registration password, name, zip code, age, address, e-mail address, payment destination of the portable terminal. Procedures for inquiring the user about any one or more of personal information that only the subscriber of the mobile terminal can know, such as the name of the financial institution, account number, credit card number, debit card number, personal identification number of payment data, etc., and use By checking and authenticating the response from the user and the corresponding personal information recorded in connection with the payment account to confirm that the user is the contractor of the mobile phone. It is characterized by becoming.

[0015] The third aspect of the present invention is the first or second aspect.
In the non-cash settlement method described in the above, the step of making an inquiry, further, a step of notifying the management device provided on the product / service providing site from the user at least the telephone number of the portable terminal possessed by the user, A procedure of notifying the settlement management device provided at the settlement service center from the management device at least the telephone number of the portable terminal owned by the user, and a procedure of making a call from the settlement management device to the information terminal of the telephone number. Is characterized by comprising. According to a fourth aspect of the present invention, in the non-cash settlement method according to the third aspect, the notification procedure from the user to the management device is directly input by the user using an input device provided in the management device. Procedure for wirelessly inputting from a portable terminal owned by the user by wireless communication, or inputting from a second information terminal connectable to the user's communication line such as the Internet via a communication line such as a telephone line It is characterized by consisting of.

The invention according to claim 5 is the invention according to claim 3 or 4.
In addition, in the non-cash settlement method described in the above, further, the usage fee is recorded in the management device and the settlement management device for each user, and also accesses the financial institution every predetermined period, and from the payment account held by each user, The procedure of transferring and transferring the total amount of the usage fee used by the user to the account of the payment service center that manages the payment management device, and managing the management device collectively for the usage fee for a predetermined period for each management device. And a procedure for making a transfer payment to an account of a service / product providing site to be provided.

The invention described in claim 6 is the third or fourth invention.
In the non-cash settlement method according to the above, further, the usage fee is recorded for each user in the management device, the settlement management device and the telephone management device of the telephone company, and the telephone company accesses the financial institution every predetermined period. Transferring the total amount of the usage fee and telephone charge used by each user from the payment account held by each user to a telephone company account,
The procedure of transferring and transferring the total amount of the usage fee used by each user from the account of the telephone company to the account of the payment service center managing the payment management device, and collectively collecting the usage fee for a predetermined period for each management device. It is characterized by including a procedure for making a transfer payment to an account of a service / product providing site that manages the management device.

A second aspect of the present invention is a non-cash payment system for a usage fee such as parking lot use, shopping at a store, mail-order sales, use of an Internet ASP, and the like. A telephone number notifying means provided on a service providing site (excluding information providing service using a telephone) for notifying the settlement management device of at least the telephone number of the portable terminal possessed by the user input by the user; A management device having the payment management device connected to the mobile terminal and the management device using a communication line such as a telephone line and provided in a payment service center, the user possessing the management device notified by the management device. A call to the information terminal of the telephone number based on the telephone number of the mobile terminal to be made, and inquire whether at least the cause of the bill and the amount thereof are to be permitted to make a payment. Settlement permission inquiry means, permission confirmation means for confirming that the user is permitted to make a payment from the portable terminal, and confirming that the payment account of the portable terminal is valid, and then confirming that the payment account is valid. Charging processing means for charging in connection with the specification of the service, date and time of use, usage fee, and the like, and charging processing for notifying the site providing the product / service that the charging process for the payment account of the mobile terminal has been completed. A non-cash payment system comprising a payment management device having a completion notification means.

According to an eighth aspect of the present invention, in the non-cash settlement system according to the seventh aspect, the settlement management device further includes a telephone registration password, a name, a postal code, an age, an address, an electronic address of the portable terminal. Email address, payee financial institution name, account number, credit card number, debit card number,
Personal information inquiry means for inquiring the user about any one or more of the personal information that only the contractor of the mobile terminal such as the password of the settlement data can know, and the response from the user and the payment account It is characterized by including personal identification means for confirming that the user is the contractor of the mobile phone by collating and authenticating with the recorded corresponding personal information.

The invention according to claim 9 is the invention according to claim 7 or 8.
In the non-cash settlement system according to the above, the management device is an input device that allows a user to directly input necessary items, and a reception device that can perform non-contact input by wireless communication from a portable terminal possessed by the user. Either a device or an input signal conversion device for converting an input signal input via a communication line such as a telephone line from a second information terminal connectable to a communication line such as the Internet owned by a user, or any of them. Characterized by comprising a combination of According to a tenth aspect of the present invention, in the non-cash settlement system according to the eighth or ninth aspect, the non-cash settlement system further includes a financial institution having a payment account for each user, and wherein the management device uses a fee for each user. Recording means for recording the
The settlement management device includes a recording unit that records a usage fee for each user, and transfers and collects the total amount of the usage fee used by the user from a payment account owned by each user by accessing a financial institution every predetermined period. Transfer collection means and transfer payment means for collectively transferring usage charges for a predetermined period for each management device to an account of a service / product providing site for managing the management device. I do.

According to an eleventh aspect of the present invention, there is provided the non-cash settlement system according to the eighth or ninth aspect, further comprising a financial institution having a payment account for each user, wherein the management device is provided for each user. Recording means for recording the usage fee for each user, the recording means for recording the usage fee for each user, accessing the financial institution every predetermined period, and from the payment account possessed by each user, A transfer collection unit that transfers and collects the total amount of the usage fee and telephone charge used by the user to the account of the telephone company, and the total amount of the usage fee used by each user from the account of the telephone company to the settlement management device. Transfer payment means for making a transfer payment to an account of a payment service center to be managed; and the payment management device includes a recording device for recording a usage fee for each user and a predetermined period for each management device. Characterized in that collectively use charge becomes equipped with a transfer payment means to transfer payment to the account with the services and products providing site to manage the management device.

[0022]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS A non-cash settlement method and a non-cash settlement system according to the present invention will be described below in detail with reference to the drawings.
FIG. 19 is a block diagram of one embodiment of the non-cash settlement system according to the present invention. As shown in FIG. 19, one embodiment of the non-cash settlement system schematically includes a mobile phone 2 having a telephone function such as a mobile phone, a management device 1 provided at a product / service providing site, A telephone management device 3 connected to the mobile phone 2 and the payment management device 6 using a communication line such as a public telephone line, and a payment management connected to the management device 1 and the mobile phone 2 using a communication line such as a public telephone line. Apparatus 6 and settlement apparatus 4 connected to telephone management apparatus 3 and / or settlement management apparatus 6 using a dedicated or general communication line
It is comprised including. When the user presses an input device in the management device 1, for example, a numeric keypad or a numeric part of the screen, at least the mobile phone 2 held by the user is pressed.
You can enter your phone number.

The management device 1 records the telephone number in the memory and notifies the settlement management device 6. These operations are performed by the telephone number notification means 1a provided in the management device 1. The payment management device 6 maintains this system /
It is provided in the settlement service center to be managed, and has a control means 6a for making a call to the information terminal of the telephone number based on the telephone number of the mobile phone 2 owned by the user notified from the management device 1. The settlement management device 6 also performs settlement by presenting at least the billing cause, for example, a display such as a parking fee at an XX parking lot or a shopping at an OO department store, and the amount thereof on the display screen of the mobile phone 2. A settlement permission inquiry means 6b for inquiring whether or not to permit the settlement, and a settlement permission confirmation means 6c for confirming the input of permitting the settlement from the mobile phone 2 owned by the user. I have.

In the preferred embodiment shown, the mobile telephone 2 is connected to the public line 1 via the telephone manager 3 of the telephone company.
At 3 and 16, it is connected to the settlement management device 6. The usage fee (and the used telephone fee) at the product / service providing site is charged to a predetermined payment account after the identity verification and settled. Therefore, the settlement management device 6 and the settlement device 4
Are connected by a general or dedicated communication line 17. The used telephone fee and the usage fee at the product / service providing site may be configured to be paid by the telephone company instead of the settlement management device 6 in the same manner as the dial Q2. In this case, the telephone management device 3 and the settlement device 4 are connected by a general or dedicated communication line 14.

FIG. 20 is a flowchart of one embodiment of the non-cash settlement method according to the present invention, which is executed by the non-cash settlement system shown in FIG. As shown in the figure, the non-cash settlement method according to the present invention includes a step of notifying a management device provided at a product / service providing site from a user of at least a telephone number of a portable terminal owned by the user (step 1a), a step of notifying at least the telephone number of the portable terminal owned by the user from the management device to the payment management device provided in the payment service center (step 1)
b), a step of making a call from the settlement management device to the information terminal of the telephone number (step 1c) and a step of presenting at least the billing cause and the amount thereof and inquiring whether to permit the settlement (step 1c). 1d) including a settlement permission inquiry procedure (step 1), a procedure for confirming the input of permitting the settlement from the information terminal (step 2), and confirming that the payment account of the mobile terminal is valid. Then, a procedure (step 3) of charging a usage fee in connection with the specification of the product / service, use date / time, usage fee, etc. to the payment account (step 3). And a procedure (step 4) for notifying that the accounting process for the payment account has been completed.

The usage fee can be divided into two types according to who collects the usage fee. The first is a case where the payment management device 6 provided in the payment service center collects,
The second is the case where the telephone management device 3 of the telephone company collects. In the first case, the usage fee is recorded in the management device and the settlement management device for each user, and the payment account held by each user is accessed by the financial institution every predetermined period, usually every month. , The total amount of the usage fee used by each user is transferred to the account of the settlement service center that manages the settlement management device (step 6). Then, the settlement management device 6 calculates a usage fee for a predetermined period for each management device 1, and transfers the payment to an account of a service / product providing site that manages the management device in a lump (step 7). In this case, the telephone charges can be collected by the telephone company from the payment account of the financial institution as usual.

On the other hand, in the second case, the usage fee is recorded in the management device, the settlement management device, and the telephone management device of the telephone company for each user, and the telephone company accesses each financial institution every predetermined period. Then, the total amount of the usage fee and telephone charge used by each user is transferred and collected from the payment account of each user to the account of the telephone company (step 8).
Subsequently, the telephone company transfers and transfers the total usage fee used by each user from the account of the telephone company to the account of the settlement service center managed by the settlement management device (step 9). Then, the settlement management device 6 calculates a usage fee for a predetermined period for each management device 1, and transfers the payment to an account of a service / product providing site that manages the management device 1 in a lump (step 10).

According to the method of the present invention, a telephone number of a portable terminal possessed by most of Japanese people is obtained from a user in a management device 1 provided at a site for providing goods and services, and this is settled. Notifying the management device 6 and further making a call using the telephone number of the mobile phone 2 notified from the payment management device 6 and permitting the person carrying the mobile phone 2 to make a payment at that time. Or rejection because you have no idea. If the person who inputs the telephone number of the mobile phone 2 to the management device 1 is not the person who is carrying the mobile phone 2 at that time, the person is rejected because he has no idea. Conversely, if there is an input to the effect that payment is permitted, the management device 1
Is actually proved that the person who is inputting the telephone number is the person who is carrying the mobile phone 2 at that time. As a result, it is possible to confirm that the user is the principal, and to transfer to the settlement procedure without fear of unauthorized use.

In addition, due to the theft or lost property of the mobile phone,
It is undeniable that the possibility of the mobile phone 2 being handed over to a person other than the contractor is unavoidable. However, even in such a case, unlike a credit card or a debit card, it is possible to easily and reliably prevent a fraudulent user from charging a designated account for a use fee of a product or service. For example, in the illustrated preferred embodiment, various personal information not recorded in the mobile terminal itself, such as the telephone registration password of the mobile phone 2, the name of the contractor, the postal code, the age, the address, the e-mail Inquire the user of one or more of personal information that only the subscriber of the mobile phone 2 can know, such as the address, the name of the paying financial institution, the account number, the credit card number, the debit card number, and the password of the payment data. . In response to this, a response is input from the mobile phone 2 (or the management device 1), and the data is compared with the corresponding data recorded in the memory of the telephone company or the payment management device 6, so that the authentication accuracy of the identity is verified. Can be improved.

Further, by recording the voice from the user, the voice of the unauthorized user can be stored as evidence of unauthorized use. In addition, by giving the function of acquiring and collating fingerprints and faces to the mobile phone 2,
The use of unauthorized users can be almost completely prevented.

[0031]

FIG. 1 is a block diagram of a non-cash payment system in a parking lot and a usage fee payment system using the same. In this usage fee settlement system, a usage fee that has conventionally been paid using cash or various cards, for example, a credit card, a debit card, a prepaid card, etc., is collected by a telephone company on behalf of a mobile phone account. Things. The non-cash payment system shown is
Schematically, a management device 1 installed adjacent to the parking lot,
Payment management device 6 connected to management device 1 via various wired and wireless communication lines 12, mobile phone 2 such as a mobile phone possessed by a person who uses the parking lot, mobile phone 2 and payment management device 6 And a settlement device 4 connected to the telephone management device 3 and the settlement management device 6 via the communication lines 14 and 17, respectively.
It is comprised including. Note that at least a part of the communication line 13 is wireless communication because the mobile phone 2 is used.

The present system can also be used for mail order sales via the Internet, such as when a home PC is used, or for authentication associated with payment of a usage fee for ASP use. In this case, the information terminal 5 used by the user is connected to the settlement management device 6 using a communication line 15 such as a public telephone line.
It is connected via a communication line 12. Further, the telephone number of the mobile phone 2 used for authentication is also notified to the management device 1 via the payment management device 6. After that, the user who has used the virtual shop or the like is authenticated as the person who has contracted with the telephone company of the mobile phone 2 by the same procedure as the management device 1 in the parking lot or the like. The information terminal 5 can also be configured to directly access via the Internet without passing through the payment management device 6.

When the user of the parking lot inputs information on the inquired question to the management device 1, the user presses a numeric key provided on the management device 1 or a numeral / character portion displayed on the screen. You can do it too. Alternatively, it can be performed in a non-contact manner by wireless communication such as infrared rays. There is an advantage that the user does not need to lean out of the car and make an input, and it is not necessary to get wet on a rainy day. The management device 1 is a management device that adjusts the usage fee for entering and exiting a plurality of parking lots. The parking lot is of a self-propelled gate type, a coin type, a three-dimensional mechanical type, a road parking type, and the like. In addition, it can be installed in a facility other than the parking lot and which pays a fee for entering and leaving, for example, a rental car rental facility. Further, the present invention can be applied to shopping at a plurality of stores, and can be installed in a POS cash register for setting a fee. A store is a concept that includes not only stores that sell products by salesclerks, but also unmanned vending machines such as vending machines. As mentioned above, in addition to actual sales, online sales via the Internet etc., Internet ASP
Includes virtual shops based on usage.

FIG. 2 is a detailed configuration diagram of the management device 1 shown in FIG. 1, and FIG. 3 is a detailed configuration diagram showing an example of the data input unit 104 of the management device 1 in the parking lot. FIG.
Is a detailed configuration diagram of the mobile phone 2, and FIG. 5 is a detailed configuration diagram of the telephone management device 3. FIG. 6 is a detailed configuration diagram of the settlement management device 6, and FIG. 7 is a management device in a store such as a retail store.
FIG. 8 is a detailed configuration diagram of the data input unit 104 when 1 is installed, and FIG. 8 is a detailed configuration diagram of the information terminal 5.

The charge calculating / charging unit 101 of the management device 1 shown in FIG. 2 calculates the usage fee from the entry time and the exit time, performs the sales processing, and performs the charging processing for the user. In store use and mail order, which will be described later, the tallying of shopping and sales processing are performed, and billing processing is performed. The display unit 102 is an image display unit such as a liquid crystal screen that displays various data. A numeric / letter key can be displayed on this part, and this can be used as a substitute for the numeric keypad. The telephone units 103 and 109 perform transmission / reception of telephone calls, notification of telephone numbers, recording of personal identification numbers, collation and authentication by telephone functions such as telephone device numbers. Numbers displayed on the numeric keypad or display unit 102 /
The data input unit 104 including the character area and the like inputs the telephone number of the mobile phone 2 possessed by the user and personal information that only the subscriber of the mobile phone 2 for improving the accuracy of authentication can know.

The authentication unit 105 includes various data from the data input unit 104 and authentication data recorded in the storage unit 106,
Authentication is performed by comparing data such as billing data and payment data. The payment data unit 111 stores the user's address, name,
It improves the accuracy of authentication, such as age, postal code, telephone number, and settlement account number (bank card, credit card, debit card), and records data necessary for settlement. The clock unit 110 includes a clock such as a quartz clock that generates a date and time. The control unit 107 controls and executes a program for executing the non-cash settlement method according to the present invention using the above-described components. The reference numeral 108 indicates the management device 1
This is a product data section that stores detailed information of the products to be handled when is disposed in a store such as a retail store.

The data input unit 104 shown in FIG.
Is an entry detection unit 100 for detecting a car to enter, in the management device 1 used for the gate type parking lot.
1 and an entry detection unit 100 for detecting a car to enter
2, an entry numeric keypad unit 1003 for inputting for specifying a car to enter, and an entry numeric keypad unit 1004 for inputting for specifying a car to enter. Note that the entry numeric keypad 1004 can be omitted because the entry and exit can be identified based on the detection signal from the entry detection unit 1002 and the detection signal from the entry detection unit 1001. A data input unit 104 shown in FIG. 7 is used in the management device 1 installed in a store, and is used to input data used as a basis for a shopping fee and authentication data. And

When paying for shopping with various cards,
The authentication of the present invention, in addition to the authentication method of the card company, assures the identity of the user. For example, when there is any doubt about the identity of the person, the user makes a call to the mobile phone owned by the person from the settlement management device 6 and receives the call from the settlement management device 6 on the spot to confirm the identity. Do. The user can charge the usage fee from the payment management device 6 with a card or a telephone payment account.

In this case, the telephone number of the mobile phone 2 may be recorded in a magnetic strip provided on the back of the card, a memory of an IC card, or the like. At the time of shopping, when the user swipes the card reader through the card, the telephone number of the mobile phone 2 can be acquired more quickly and definitely than by manual input. Then, this can be notified to the settlement management device 6. Further, by inserting the authentication data in the card in advance, the settlement management device 6 can also collate and authenticate with the authentication data from the mobile phone 2 without inquiring the telephone company of the authentication data. Further, a non-contact input device such as an infrared transceiver may be used instead of the numeric keypad.

The mobile phone 2 shown in FIG. 4 is an information telephone terminal such as a mobile phone or a PDA carried by the user, and has a settlement acceptance / rejection input unit 201, a display unit 202, and a call receiving / sending function. Telephone unit 203 and data input unit 20
4, an authentication unit 205, a storage unit 206, and a control unit 207. The basic functions of each unit are the same as those of the corresponding components in the management device 1 described above, and thus detailed description is omitted. Also,
The mobile phone 2 and the management device 1 are separately provided with infrared receiving and transmitting elements, respectively, so that various data input from the data input unit 204 of the mobile phone 2 can be input to the management device 1 in a non-contact manner. In addition, authentication can be performed by separately providing a fingerprint input unit.

The information terminal 5 shown in FIG. 8 is used by a user when using mail order or when using the ASP on the Internet. In a non-cash settlement method in a store such as a parking lot or a retail store, a user inputs authentication data at a location of the management device 1 provided on a site for providing goods and services. On the other hand, in the mail order use and the ASP use of the Internet as in the present embodiment, the user is connected to the management apparatus 1 from a remote place via a communication line such as the Internet. The user terminal 5 is an information communication terminal such as a portable telephone, a desktop telephone, a PDA, and a personal computer. The user terminal 5 has a payment acceptance / rejection input unit 501, a display unit 502, and a telephone unit 503 having a function of receiving and transmitting telephone calls. And a data input unit 504;
Authentication unit 505, storage unit 506, and control unit 50
7 is included. The basic functions of each part are
Since it is the same as that of the corresponding component in the management device 1 described above, detailed description is omitted.

The telephone management device 3 shown in FIG.
It is installed in a mobile phone company such as T-DOCOMO and registers telephone data 301, 302, and 307 for connecting a line to an external mobile phone 2 specified by a telephone number, and registers authentication data and payment data in advance. Settlement data unit 304, an authentication unit 305 for authenticating the device identification data of the mobile phone 2, service / sales identification data, and the like. Storage unit 306 for recording these data.
It is comprised including.

The settlement management device 6 shown in FIG. 6 is provided in a settlement service center, and is a telephone for connecting a line to an external terminal specified by a telephone number, for example, the telephone management device 3 or the settlement device 4. Parts 601, 602, 607
A control unit 603 for performing control such as transmitting a telephone charge, a usage fee among billing data and payment data to the payment device 4 and performing payment, and a payment data unit 604 for registering authentication data and payment data in advance. An authentication unit 605 for comparing and authenticating the authentication data, billing data and payment data from the telephone management device 3 with the authentication data, billing data and payment data from the management device 1, And a storage unit 606 for recording payment data. In the illustrated preferred embodiment,
It also has a map data section 608 that records map information.
In the case of unattended management, by associating with the location of the management device 1, the usage status of the plurality of management devices 1 can be grasped and managed with a fixed or mobile terminal (not shown).

The settlement device 4 of the financial institution is the telephone management device 3
Transfer and transfer of telephone charges and usage charges from the billing data from the user account to the telephone company account, and from the telephone company account to the parking lot and store account. Communication line 12,
13,14,15,16,17 can be set to IS
Various line means such as a DN line, an Internet line, and a PHS line can be used. The authentication data is stored in advance in the telephone management device 3 of the telephone company, the payment management device 6 of the payment service center, and the management device 1 of the parking lot / store (store P
OS cash register) and one or more of the cards used for them.

The authentication data includes, in addition to the telephone number of the mobile phone 2, (1) a free password, a random password automatically issued by the management device 1, software information other than the use of the telephone, and product sales. The service / merchandise user identification data as the user identification number to be used, the telephone number based on the caller ID notification, the telephone equipment number as the telephone equipment identification data, the telephone number of the management apparatus 1, and the apparatus identification data of the management apparatus 1. Approve / reject data entered from the mobile phone 2 and acceptance / rejection data as a settlement number for automatic issuance of the management apparatus 1, and (2) Phone registration PIN, name, postal code, age of the mobile phone 2 , Address, e-mail address, payee financial institution name, account number, credit card number, debit card number, password for payment data, biometric data such as fingerprint, etc. Only 2 of the contractor is an individual information to know. The former is used for mutual authentication between the mobile phone 2 as a mobile terminal and each device of the system, and the latter is used as data for improving the accuracy of confirming the identity of the user.

The billing data includes date and time, data management number, parking lot name, entrance / exit time, store name, mail order management number, product name, quantity, usage fee (amount), and the like. The receiver billing data is an identification number of data to be billed to the receiver. The service / merchandise identification data refers to an identification number of software information / merchandise other than telephone use. For example, the type of a product / service is represented by a number / symbol, such as “# 0880” when using a parking lot and “# 1389” when using mail order. Payment data is a bank account number registered by the user in advance, a credit card number, etc.
This data is linked to data that specifies an individual, such as age, address, postal code, telephone number, and personal identification number, and enables settlement. The entry presence / absence data is input from the data input unit 104 of the management device 1 as to whether or not the parking lot is used.
"1" and "none: 0" are payment numbers automatically issued.

Next, a non-cash settlement method according to the present invention and a flow of settlement after authentication will be described with reference to FIGS. 9 to 11 when a gated parking lot is used. FIG.
It is a flowchart which shows the flow at the time of entering a car in a gate type parking lot. FIG. 10 is a flowchart showing a flow when a car exits from a gated parking lot. FIG.
It is an example of a data table at the time of using a gate type and a coin type parking lot. As shown in FIG. 9, when trying to enter the gate type parking lot, the entrance detection unit 1 of the management device 1
001 (see FIG. 3) detects the entry of the vehicle by a signal from a detection device such as a sensor installed outside the gate (step 11). At this time, the user stops the car in front of the management device 1 and inputs at least the telephone number of the mobile phone 2 among the user authentication data from the entry numeric keypad 1003 (step 12). You can also enter a free PIN. When high security is required, the phone registration PIN, name, postal code, age, address, e-mail address, payee financial institution name, account number, credit card number, debit card number, and payment data PIN of the information terminal There is no record of the information in the mobile phone 2 such as a number, and personal information that the contractor surely knows is input at the same time.

After inquiring of the telephone number to the authentication section 105 of the management apparatus 1 and checking that there is no entrance, the storage section 106 of the management apparatus 1 stores at least the telephone number of the mobile phone 2 in the authentication data (freely). And the entry time are recorded (step 13). Next, the telephone unit 103 makes a telephone call to the first telephone unit 601 (see FIG. 6) of the settlement management device 6, adds the entry presence data to the above data, and transmits the data (step 14). The payment management device 6 provides a service
Product sales identification data (for example, # 0880 indicating parking fee)
Etc.) and recipient billing data (for example,
(A numeral / character string such as # 108) which is data for charging Mr. XXX, and is recorded in the storage unit 606. On the other hand, the second telephone unit 602 sends the first
The telephone unit 301 is called to transmit the data or a predetermined one thereof (step 15).

In the telephone management device 3, the settlement data section 304
The payment / authentication data recorded in the authentication unit 3 and the service / sales identification data and the receiver billing data of the data are stored in the authentication unit 3
In step 05, verification and authentication are performed, and the result is recorded in the storage unit 306. At the same time, the telephone management device 3 calls the mobile phone 2 that notifies the management device 1 that the user of the parking lot is possessed, and a predetermined one of the data, for example, a service / sales product. The identification data and the data on the entry time are transmitted (step 16). After receiving the call and connecting the line, the user inputs at least the entry data “enter 1” of the authentication data from the mobile phone 2 and passes through the telephone management device 3 and the payment management device 6. Are returned to the management device 1 and are respectively recorded in predetermined recording units (step 1).
7).

The authentication unit 105 of the management device 1 has at least the telephone number (or free password) of the mobile phone 2 possessed by the user and the entry data among the authentication data. "
When entry is recognized, "1" is recorded in the storage unit 106. Thereby, the gate of the entry detection unit 1001 is opened to enter a state (step 18). If the reply is “0: No”, the state in which entry is not possible continues. The usage status of the plurality of management devices 1 can be grasped, and such usage status data can be transmitted from the third telephone unit 607 to a fixed or portable terminal (not shown).

On the other hand, when entering from a gate type parking lot, as shown in FIG.
Detects the entry of the vehicle based on a signal from a detection device such as a sensor installed outside the gate (step 21). At this time, the user inputs at least the telephone number (and a free password) of the mobile phone 2 in the user authentication data from the participating numeric keypad 1004 (step 22). When high security is required, the personal information entered during entry,
For example, a mobile terminal such as a telephone registration password, a name, a postal code, an age, an address, an e-mail address, a payee financial institution name, an account number, a credit card number, a debit card number, and a payment data password of an information terminal. At the same time, personal information that only the contractor can know is input. In the entrance and exit of the parking lot, the collation / authentication in the management device 1 is performed by the minimum items, for example, the telephone number of the mobile phone 2, the parking lot name, the entrance gate related number and the entrance as shown in FIG. The collation and authentication work can be completed in a short time by collating and authenticating with the gate related number.

As described above, the authentication unit 105 of the management device 1
Then, at least the telephone number of the mobile phone 2 in the authentication data is collated and authenticated (step 23). In the storage unit 106,
Record the phone number and time of entry (with a free PIN). On the other hand, a charge is calculated by the charge calculating / charging unit 101 from the entry time and the entry time, and an account to be charged is specified from at least the telephone number (and a free password) of the mobile phone 2 in the authentication data. Storage unit 106 as data
(Step 24). The management device 1 adds billing data to the telephone number of the mobile phone 2 (and a free password) which is the authentication data, and transmits them to the payment management device 6 of the payment service center (step 25).

The settlement management device 6 adds the telephone number of the mobile phone 2 as the authentication data and the billing data to the service / sales identification data (for example, a character string such as # 0880) and the receiver billing data ( For example, a character string such as # 108), a caller ID notification setting guide, a service / sales user identification data input guide, and a payment data password input guide may be added.) The guidance and the settlement approval / disapproval inquiry data are added and transmitted to the mobile phone 2 via the telephone management device 3 of the telephone company (step 26). In parallel, these data are stored in the payment management device 6
Is stored in the storage unit 606.

In the case of the additional data in the parentheses, the authentication unit 305 of the telephone management device 3 authenticates the service / sales identification data and the receiver billing data, and for each receiver to be billed, the billing data and the approval / disapproval of the settlement. The data is recorded in the storage unit 306 and transmitted to the mobile phone 2 in parallel (step 27). The user checks the telephone number of the mobile phone 2 and the billing data, which are the authentication data. (Furthermore, confirmation of service / merchandise identification data, receiver billing data, caller ID notification setting, service / merchandise user identification data, and a password for settlement data may be added.) PIN and
The user inputs "payment: 1", which is the settlement approval / disapproval data, and transmits it to the payment management device 6 via the telephone management device 3 (step 28). The payment management device 6 checks the authentication data
Authenticate and record. If it passes, the authentication data includes the telephone number of the mobile phone 2, the billing data, (the receiver billing data, the telephone number of the caller ID notification, the service / merchandise identification data, and the service / merchant user). The identification data and the password of the payment data may be added.) The payment permission data "payment: 1" is transmitted to the telephone management device 3 and the management device 1, respectively, and recorded.

The entry detection unit 1001 of the management device 1 opens the gate to bring the vehicle into entry (step 29).
In addition, in the case of a reply of “No settlement: 0” which is the settlement refusal data, the player cannot participate. In this case, the name, zip code, age, a part of the address, e-mail address, payee financial institution name, account number, etc. are input from the mobile phone 2 and authenticated, thereby further authenticating the device and identity. Confirmation security can be increased. Further, the settlement management device 6 of the settlement service center grasps the use status of the plurality of management devices 1 from the entry data by using the map data recording unit 608 having the map information recording unit and the unit for associating with the location of the management device 1. be able to. In addition, the third telephone unit 607
Can send usage data to a fixed or mobile terminal.

Also, a random password issued automatically by the management device 1 is displayed on the mobile phone 2, and the random password input by the user from the management device 1 can be collated and authenticated by the management device 1. It is possible. At the time of settlement, for example, the settlement process is started by closing once a month on a predetermined date and summing up the usage charges for the month. Judgment is made. (1) Payment management device 6 collects charges from telephone management device 3
In this embodiment, as shown in FIG. 12, the settlement management device 6 transmits the telephone number of the mobile phone 2 that is the authentication data, the billing data (further, the telephone device identification data, and the telephone number of the caller ID notification), as shown in FIG. Number, service / merchandise identification data (eg, a character string such as # 0880), receiver billing data (eg, a character string such as # 108), service / merchant user identification data, and a password of payment data. May be added) for each user, and the settlement device 4 of the financial institution in which the settlement account of each user is opened.
(Step 31).

It is also possible to transmit the settlement account number and the billing data of the user from the telephone management device 3 to the settlement device 4 via the settlement management device 6 and transfer the payment from the user's account by the settlement device 4. . The settlement device 4 transfers the product / service usage fee from the account of each user (the telephone account of the mobile phone itself can also be used) to the account of the settlement management device 6 (step 32). Further, from the account of the payment management device 6, a parking lot, which is a provider of goods and services,
The transfer settlement is made to the bank account of the store (step 33). In this case, the telephone fee is transmitted directly from the telephone management device 3 to the settlement device 4, and is treated separately from the usage fee for the product / service.
When the payment management device 6 collects a fee, the authentication data is registered in the payment management device 6 in advance, authentication is performed using the authentication data, and the user's payment account number and charging data are transmitted to the payment device 4. It is also possible to settle.

(2) On the other hand, the charge collection is performed by the telephone management device 3
In this embodiment, the telephone management device 3 transmits the settlement account number of the telephone number of the mobile phone 2, the telephone charge, and the billing data to the settlement device 4 of the financial institution (step 34). The settlement device 4 transfers the product / service usage fee and the telephone fee from the user's account to the telephone company's account (step 3).
5). Further, the telephone management device 3 reads, from the telephone company account,
The transfer settlement is made to the bank account of the parking lot or store via the settlement management device 6 or not (step 36). As described above, the gate-type parking lot has been described in detail. By performing the operations at the time of entrance and at the time of exit shown in FIGS. Is also applicable. In addition, it is possible to charge and pay the minimum usage fee first at the entrance to this on-street parking lot, and to continue using the additional usage fee by sending charging data for the continuous usage fee from the mobile phone Becomes possible. In addition to the use of the parking lot, shopping at stores, mail-order sales, and ASP use of the Internet, the present invention can be applied to rental use and gas station use.

[0059]

[Embodiment 2] Next, an example of using a flap type parking lot in which a flap provided below the vehicle is lifted up to a predetermined height to prevent the vehicle from entering when the vehicle is parked in a parking space will be described. . FIG. 13 is a flowchart showing a flow when entering a flap type parking lot, and FIG. 14 is a flowchart showing a flow when entering from a flap type parking lot. In a flap-type parking lot, at the time of entry, the entry detection unit 1001 detects a car.
(Step 41) and the flap number and the entry time corresponding to the parking space number are automatically stored in the storage unit 106 of the management device 1.
(Step 42). After a predetermined time from when the vehicle is parked in the parking space, the entrance detecting unit 1001 raises the flap to a predetermined height so that the vehicle cannot exit the parking space (step 43). For this reason,
Authentication is not performed as in the case of entering a gated parking lot (see FIG. 9).

Next, the participant 1002 continues to detect the parking of the vehicle (step 51). At the time of entry, the parking lot user enters the flap number from the entry numeric keypad part 1004 of the management device 1 installed near the exit of the parking lot, at least the telephone number of the mobile phone 2 among the user authentication data, and Enter a free PIN. The flap number, the telephone number, a free password and the entry time are recorded in the storage unit 106 of the management device 1 (step 52). The storage unit 106 of the management device 1 stores the flap number, the telephone number of the mobile phone 2 owned by the user, a free password, and the entry time (step 53).

The charge calculating / charging unit 101 of the management device 1
The usage fee is calculated from the entry time and the entry time, and a charging process is performed (step 54). Next, the telephone unit 103 makes a call to the settlement management device 6, and transmits the authentication data and the billing data (step 55). The settlement management device 6 adds the telephone number of the mobile phone 2 as the authentication data and the billing data to
(Further, service / sales identification data (for example, # 088
0, etc.) and receiver billing data (eg, # 10
8, a caller ID notification setting guide, a service / sales user identification data input guide, a payment data password input guide, and the like may be added. ) Add free PIN input guidance and payment acceptance inquiry data,
It is transmitted to the telephone management device 3 of the telephone company (step 56).

The telephone management device 3 authenticates the service / sales identification data and the receiver billing data, and transmits billing data and settlement acceptance inquiry data to the mobile phone 2 (step 57). Also in the case of the additional data in (), the telephone management device 3 authenticates the service / sales identification data and the receiver billing data, and transmits the billing data and the settlement acceptance inquiry data to the mobile phone 2. The user uses the mobile phone 2 to authenticate the telephone number of the mobile phone 2 and the billing data (the service / sales identification data, the receiver billing data, the caller ID notification setting, the service / sales user identification, Data and the password of the settlement data may be added). The user inputs a free personal identification number and "payment: 1" as payment acceptance / rejection data, and transmits the data to the payment management device 6 via the telephone management device 3 (step 58).

The settlement management device 6 collates and authenticates the authentication data and records it (step 59). If passed, the telephone number of the mobile phone 2 as authentication data, billing data,
(Furthermore, the receiver billing data, the telephone number of the caller ID notification, the service / merchandise identification data, the service / merchandise user identification data, and the password of the settlement data may be added.) Permission data "Settle: 1"
Is transmitted to the telephone management device 3 and the management device 1 (step 60). The flap of the entry detection unit 1001 is lowered (step 61), and the vehicle can enter. In addition, in the case of a reply of “No settlement: 0” which is the settlement refusal data, the player cannot participate. Further, the method of settlement and the setting of high security can be performed in the same manner as in the case of using the gate parking lot. The same processing is performed for a mechanical multi-story parking lot.

[0064]

Embodiment 3 Next, when shopping at a store such as a retail store, the user is charged and settled by utilizing the high creditworthiness authentication by the telephone company of the mobile phone 2 possessed by the user. A method and an example of the system will be described. FIG. 15 is a flowchart showing the flow when shopping and using in a store, and FIG. 16 is a diagram showing an example of a data table of shopping and using in a store. The details of the system are basically the same as those shown in FIG. The flow when shopping is used in a store is as follows. First, the charge calculation / charging unit 101 of the store management device 1 counts the shopping charges and performs a charging process. In parallel, this is stored in the storage unit 1
06 (step 71).

Next, the data input unit 104 shown in FIG.
Using the card reader unit 2001 or the numeric keypad unit 2002, at least the telephone number of the mobile phone 2 and a free personal identification number in the user authentication data are input (step 72).
When the user's telephone number is recorded on a card and the record is read by the card reader unit 2001 at the time of shopping, the processing can be performed faster and more correctly than manual input. Also, when high security is required,
Phone registration password, name, postal code, age, address, e-mail address, payee financial institution name, account number, credit card number, debit card number,
At the same time, personal information, such as a password of the settlement data, which can be known only by the contractor of the mobile terminal is input. On the other hand, the storage unit 106 of the management device 1 records a data management number (POS device number and sales serial number), the telephone number, a free password, and a sales time (step 73).

The management device 1 adds charging data to the telephone number of the mobile phone 2 and a free password which are the authentication data, and transmits them to the payment management device 6 of the payment service center (step 74). The settlement management device 6 adds the telephone number of the mobile phone 2 and the billing data (the service / sales identification data (eg, a character string such as # 0880)) and the receiver billing data (eg, # 108) Character string), caller ID notification setting guide, service / merchant user identification data input guide, payment data PIN input guide, etc.), free PIN input guide, and payment And transmits the data to the mobile phone 2 via the telephone management device 3 of the telephone company.
(Step 75).

Also in the case of the additional data in the parentheses, the telephone management device 3 authenticates the service / sales identification data and the receiver billing data, and transmits the billing data and the settlement approval / disapproval data to the mobile phone 2. The user uses the mobile phone 2 to check the telephone number of the mobile phone 2 as the authentication data and the billing data. (Furthermore, confirmation of service / sales identification data, receiver billing data, caller ID notification setting,
You may add the merchant user identification data and the password of the settlement data. Then, the user inputs a free personal identification number and "payment: 1", which is the settlement approval / disapproval data, and transmits it to the settlement management device 6 via the telephone management device 3 (step 76).

The settlement management device 6 collates and authenticates the authentication data and records it (step 77). If passed, the telephone number of the mobile phone 2 as authentication data, billing data,
(Furthermore, the receiver billing data, the telephone number of the caller ID notification, the service / merchandise identification data, the service / merchandise user identification data, and the password of the settlement data may be added.) The data "settlement: 1" is transmitted to the telephone management device 3 and the management device 1 (step 7).
8). "Settle: 1", which is at least a free password and the permission data for settlement among the authentication data from the mobile phone 2.
Is returned to the management device 1, the authentication unit 10 of the management device 1
At 5, at least the free password and the permission data for payment “payment: 1” of the authentication data are authenticated and the storage unit 1 is authenticated.
06, and the sales processing ends (step 79). The settlement management device 6 further transmits the billing data to the telephone management device 3 (Step 80). In addition, in the case of a reply of “No settlement: 0” which is the settlement refusal data, the settlement is canceled without performing the sales processing. The settlement method and the high security setting are based on the above-described example of the use of the gate type parking lot.

[0069]

[Embodiment 4] Next, mail order and Internet ASP
A description will be given of an example of a method and a system for charging and paying a usage fee by using a high creditworthy authentication by a telephone company of a mobile phone 2 owned by the user at the time of use. FIG. 17 is a flowchart showing the flow when mail-order sales are used, and FIG. 16 is a diagram showing an example of a data table in mail-order sales. The system in this embodiment is basically the one shown in FIG. 1 with the addition of a portable or fixed user terminal 5 connected to a payment management device 6 via a communication line 15. .

First, the user makes a telephone connection from the data input unit 504 of the information terminal 5 to the telephone unit 109 of the store management device 1 (step 91). Data input unit 50 of information terminal 5
4, the product recorded in the product data unit 108 is selected, the charge is calculated and charged by the charge calculation / charging unit 101, and these are recorded in the storage unit 106 together with the mail order management number (step 92). The user further inputs at least the telephone number of the mobile phone 2 and a free password out of the user authentication data. These data are recorded in the storage units 506 and 106 together with the sales time (step 9).
3). The telephone section 103 of the management apparatus 1 calls the settlement management apparatus 6 and transmits the service / sales identification data, the receiver billing data, and the billing data (step 9).
4).

The settlement management device 6 adds the telephone number of the mobile phone 2 as the authentication data and the billing data to the service / sales identification data (for example, a character string such as # 0880) and the receiver billing data ( For example, a character string such as # 108), a caller ID notification setting guide, a service / sales user identification data input guide, and a payment data password input guide may be added.) The guidance and the settlement approval / disapproval inquiry data are added and transmitted to the mobile phone 2 via the telephone management device 3 of the telephone company (step 95). Also in the case of the additional data in (), the telephone management device 3 authenticates the service / sales identification data and the receiver billing data, and transmits the billing data and the settlement acceptance inquiry data to the mobile phone 2.

The telephone management device 3 authenticates the service / sales identification data and the receiver billing data, and transmits billing data and settlement approval / disapproval inquiry data to the mobile phone 2 (step 96). The user uses the mobile phone 2 to check the telephone number of the mobile phone 2 and the billing data, which are the authentication data. (Furthermore, confirmation of service / merchandise identification data, receiver billing data, caller ID notification setting, service / merchandise user identification data, and a password for settlement data may be added.) The personal identification number and the settlement approval / disapproval data "settlement: 1" are input and returned to the settlement management device 6 via the telephone management device 3 (step 97).

The settlement management device 6 collates and authenticates the authentication data and records it (step 98). If passed, the telephone number of the mobile phone 2 as authentication data, billing data,
(Furthermore, the receiver billing data, the telephone number of the caller ID notification, the service / merchandise identification data, the service / merchandise user identification data, and the password of the settlement data may be added.) The data "settlement: 1" is transmitted to the telephone management device 3 and the management device 1 (step 9).
9). The payment management device 6 transmits at least the free password and the permission data for payment among the authentication data.
When “1” is returned to the management device 1, the authentication unit 105 of the management device 1 authenticates at least the free password of the authentication data and “settlement: 1”, which is the permission data for settlement, and stores it in the storage unit 106. Record and end the sales processing (step 10
0). In addition, the settlement refusal data "No settlement: 0"
In the case of a reply of, the sales processing is not performed and the processing is canceled. The method of settlement and the setting of high security are based on the example of the use of the gate parking lot.

[0074]

The present invention according to claim 1 is a non-cash payment method for a usage fee such as parking lot use, shopping at a store, mail order sales, and Internet ASP use. Procedure for making a payment by calling the mobile terminal possessed by the user and presenting at least the cause of the bill and the amount of the payment to permit payment. And a procedure for confirming the input to permit payment from the mobile terminal, and after confirming that the payment account of the mobile terminal is valid, identifying the product / service, using date and time,
Includes a procedure for charging a usage fee in connection with a usage statement such as a usage fee, and a procedure for notifying a site for providing goods / services that charging processing for a payment account of the portable terminal has been completed. A non-cash payment method that can securely process charges by using the creditworthy authentication of the mobile terminal owned by many Japanese telephone companies in various non-cash payments. Has effects that can be provided. In addition, when paying various usage fees, the user has the advantage that it is possible to carry out settlement in all commercial transactions without using cash or various cards simply by carrying only a mobile phone, regardless of products and services. .

The present invention according to claim 2 provides a telephone registration password, name, postal code, age, address, e-mail address, payee financial institution name, account number, credit card number, debit card of a portable terminal. Inquiry to the user about any one or more of personal information that only the contractor of the mobile terminal can know, such as a number, a password of payment data, and
Non-cash settlement that can dramatically improve the accuracy of authentication by adding a simple procedure by checking and authenticating the response from the user and the corresponding personal information recorded in connection with the payment account It has the effect that the method can be provided. By improving the accuracy of the identity verification in this way, there is an advantage that unauthorized use can be easily and almost completely prevented.

According to a third aspect of the present invention, the step of making an inquiry further comprises the step of notifying the management device provided at the product / service providing site of at least the telephone number of the portable terminal possessed by the user from the user. And a step of notifying the settlement management device provided in the settlement service center of at least the telephone number of the portable terminal possessed by the user from the management device, and making a call from the settlement management device to the information terminal of the telephone number. To multiply by
A non-cash settlement method capable of making a call to a portable terminal possessed by a user with a simple information transmission configuration is provided. According to a fourth aspect of the present invention, in the notification procedure from the user to the management apparatus, the user directly inputs the information using the input device provided in the management apparatus, and wirelessly communicates from the portable terminal owned by the user. To input non-contact by communication, or to input from a second information terminal that can be connected to a communication line such as the Internet possessed by the user via a communication line such as a telephone line, the telephone number of the mobile terminal is appropriately determined. This has the effect of providing a non-cash settlement method that can notify the management device.

According to a fifth aspect of the present invention, a usage fee is recorded in a management device and a settlement management device for each user, and the user accesses a financial institution every predetermined period to obtain a payment account from each user. A procedure of transferring and transferring the total amount of the usage fee used by each user to an account of a payment service center that manages the payment management device, and collectively collecting the usage fee for a predetermined period for each management device; A non-cash settlement method that is configured to include a procedure for making a transfer payment to an account held by a service / product providing site that manages It has advantages that can be provided.

According to the present invention, the usage fee is recorded for each user in the management device, the settlement management device, and the telephone management device of the telephone company, and the telephone company transmits to the financial institution every predetermined period. The procedure for transferring the total amount of the usage fee and telephone charge used by each user from the payment account possessed by each user and transferring it to the telephone company's account. A procedure for transferring and transferring the total amount of the used charges to an account of a settlement service center that manages the settlement management device, and providing services and products for managing the management device in a lump for a predetermined period for each management device. Since it is configured to include a procedure for making a transfer payment to an account held by the site, there is an advantage that a non-cash settlement method that enables collection of the most efficient usage fee can be provided. A telephone number and billing data to a management device of a parking lot or a store, which are usually performed, are items in which a plurality of numbers and characters are input in order and cannot be input all at once. According to the present invention, the mobile phone number input by the user is a matter well known to the user, and there is an advantage that it is sufficient to input "1" or "0" for the settlement approval / disapproval data.

In addition to the telephone number entered by the user, a free PIN, telephone registration PIN, name, postal code, age, part of address, e-mail address, payee financial institution name, account number, etc. Is a matter that the person knows well.
Therefore, according to the present invention, data can be easily input, and can be processed accurately and quickly. By using the telephone function, it is possible to use the authentication function having the credibility of the telephone company. In addition, there is an advantage that the telephone number is used as authentication data to authenticate the telephone device and to identify the user. In addition, the telephone registration PIN, name, zip code,
Age, address, email address, payee financial institution name,
The advantage that it is possible to identify the person with the authentication data such as the account number, and to set the one-time ID number authentication data that only the person can know by entering a free PIN at the place of use Having. Therefore, a high level of security can be maintained by inputting these authentication data by the user himself and authenticating the devices on the user side and the payment side.

The authentication data is input from the installation location of the management device 1, the information terminal 5, etc. by inputting the authentication data in a contactless manner by communication between the management device 1 and the information terminal 2 and wireless communication of the information terminal 2. Can be identified and further security can be maintained. Furthermore, by inputting biometric data such as a fingerprint on the information terminal 2 and performing authentication, further security can be maintained. PCs and PDAs in business such as sales
It is possible to authenticate the access to the data server from the portable terminal using a mobile phone or the like which the user currently has, and has an advantage that the system can be easily constructed.

[Brief description of the drawings]

FIG. 1 is a block diagram of a non-cash payment system in a parking lot and a usage fee payment system using the same.

FIG. 2 is a detailed configuration diagram of a management device 1 shown in FIG.

FIG. 3 shows a data input unit 10 of the management device 1 in the parking lot.
FIG. 4 is a detailed configuration diagram illustrating an example of a fourth example.

FIG. 4 is a detailed configuration diagram of the mobile phone 2.

FIG. 5 is a detailed configuration diagram of the telephone management device 3.

FIG. 6 is a detailed configuration diagram of the settlement management device 6.

FIG. 7 is a detailed configuration diagram of the data input unit 104 when the management device 1 is installed in a store such as a retail store.

FIG. 8 is a detailed configuration diagram of the information terminal 5.

FIG. 9 is a flowchart showing a flow when a car enters a gate type parking lot.

FIG. 10 is a flowchart showing a flow when a car leaves a gated parking lot.

FIG. 11 is an example of a data table when a gate-type and coin-type parking lot is used.

FIG. 12 is a flowchart showing a flow of settlement in the settlement management device 6.

FIG. 13 is a flowchart showing a flow when entering a flap type parking lot.

FIG. 14 is a flowchart showing a flow when entering from a flap type parking lot.

FIG. 15 is a flowchart showing the flow when shopping and using at a store.

FIG. 16 is a diagram showing an example of a data table of shopping use in a store.

FIG. 17 is a flowchart showing a flow when mail order is used.

FIG. 18 is a diagram showing an example of a data table in mail order use.

FIG. 19 is a block diagram of one embodiment of a non-cash settlement system according to the present invention.

20 is a flowchart of an embodiment of a non-cash settlement method according to the present invention, which is executed by the non-cash settlement system shown in FIG. 19;

[Explanation of symbols]

 Reference Signs List 1 management device 2 mobile phone 3 telephone management device 4 payment device 5 information terminal 6 payment management device 12-17 communication line

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme court ゛ (Reference) G06F 17/60 506 G06F 17/60 506 (72) Inventor Takeyuki Ogita 1-Kamenoi 1 133 Sumitomo Takahariso A Building No. 104 (72) Inventor Toshiya Isobe 1-2-1 Dogenzaka, Shibuya-ku, Tokyo Inside Japan Aviation Electronics Industry Co., Ltd. (72) Inventor Fusao Mori 1-21 Dogenzaka, Shibuya-ku, Tokyo 2 Inside Japan Aviation Electronics Industry Co., Ltd. (72) Inventor Koji Ishikawa 1-2-1 Dogenzaka, Shibuya-ku, Tokyo Japan Inside (72) Inventor Tsubasa Oshima 2-1 Udagawacho, Shibuya-ku, Tokyo Shibuya Homes 1205 Parking Lot Research Institute (72) Inventor Masao Kojima 563-1 Ama, Akiruno-shi, Tokyo

Claims (11)

[Claims] [Claim 1] A non-cash payment method for usage fees such as parking lot use, shopping at stores, mail-order sales, and use of Internet ASPs, and includes fees for goods and services (excluding information provision services using telephone). Procedures for making a call to a mobile terminal possessed by a user at the time of payment and inquiring whether or not to permit payment by presenting at least the billing cause and the amount thereof, and performing payment from the mobile terminal. After confirming that the payment account of the portable terminal is valid, the procedure for confirming that the payment account of the mobile terminal is valid, and then relating to the specification of the product / service, the date and time of use, the usage fee such as the usage fee, etc. Non-cash including a procedure of charging a usage fee by using the mobile terminal, and a step of notifying a product / service providing site that the charging process for the payment account of the mobile terminal has been completed. Payment Method. 2. The non-cash settlement method according to claim 1, further comprising: a telephone registration password, a name, a zip code, an age, an address, an e-mail address, a payee financial institution name, an account number, A procedure for inquiring the user about any one or more of personal information that only the contractor of the mobile terminal can know, such as a credit card number, a debit card number, and a password for payment data, and a response from the user and the payment Verifying and authenticating the user as a mobile phone contractor by collating and authenticating with the corresponding personal information recorded in connection with the account. Non-cash payment method. 3. The non-cash settlement method according to claim 1, wherein the step of making an inquiry further comprises the step of further providing the management device provided at the product / service providing site from the user with at least a portable device possessed by the user. A step of notifying the telephone number of the terminal, a step of notifying the settlement management apparatus provided at the settlement service center of the management apparatus at least the telephone number of the portable terminal owned by the user, and a step of notifying the telephone number from the settlement management apparatus A procedure for making a call to the information terminal of the number. 4. The non-cash settlement method according to claim 3, wherein the notification procedure from the user to the management device is directly input by the user using an input device provided in the management device. Wireless communication from a portable terminal that is connected to the Internet or through a communication line such as a telephone line from a second information terminal that can be connected to a communication line such as the Internet possessed by the user. Characterized non-cash settlement method. 5. The non-cash settlement method according to claim 3, wherein the usage fee is recorded in the management device and the settlement management device for each user, and is accessed by the financial institution every predetermined period. A procedure of transferring the total amount of the usage fee used by each user from a payment account held by each user to an account of a payment service center that manages the payment management apparatus, and using the management apparatus for a predetermined period of time. A non-cash settlement method characterized by including a procedure of transferring and transferring a charge to an account of a service / product providing site that manages the management device in a lump. 6. The non-cash settlement method according to claim 3, further comprising:
In addition to being recorded in the settlement management device and the telephone management device of the telephone company, the telephone company accesses the financial institution at predetermined intervals and uses the payment account of each user to use the usage fee and telephone charge used by each user. Transfer the total amount of money to the telephone company account, transfer the total amount of usage charges used by each user from the telephone company account to the account of the payment service center that manages the payment management device, and And non-cash settlement characterized by including a procedure of collectively transferring a usage fee for a predetermined period for each management device to an account of a service / product providing site for managing the management device. Method. 7. A non-cash payment system for a usage fee such as parking lot use, shopping at a store, mail order sales, use of an Internet ASP, etc., wherein a mobile terminal having a telephone function is provided.
A telephone number notifying means provided on a service providing site (excluding an information providing service using a telephone) for notifying the payment management device of at least the telephone number of the portable terminal owned by the user input by the user. Management device,
A payment management device connected to the mobile terminal and the management device using a communication line such as a telephone line and provided at a payment service center, based on the telephone number of the mobile terminal owned by the user notified from the management device. Settlement inquiring means for making a call to the information terminal of the telephone number and inquiring whether or not to permit the settlement by presenting at least the cause of the bill and the amount thereof, and performing the settlement from the portable terminal possessed by the user. Permission confirmation means for confirming the input of permission to do so,
After confirming that the payment account of the mobile terminal is valid, the payment processing means for charging the payment account in connection with the specification of the product / service, the use date / time, the usage fee, etc., and the product / service providing site. A non-cash payment system, comprising: a payment management device having a charging-processed notifying unit for notifying that the charging process to the payment account of the mobile terminal has been completed. 8. The non-cash settlement system according to claim 7, wherein the settlement management device further includes a telephone registration password, a name, a zip code, an age, an address, an e-mail address, a payee finance of the portable terminal. Personal information inquiry means for inquiring the user about any one or more of personal information that only the subscriber of the mobile terminal can know, such as the institution name, account number, credit card number, debit card number, personal identification number of payment data, etc., and By comparing and authenticating the response from the user with the corresponding personal information recorded in connection with the payment account, thereby confirming that the user is the subscriber of the mobile phone. A non-cash settlement system characterized by comprising. 9. The non-cash settlement system according to claim 7, wherein the management device is an input device that allows a user to directly input necessary items, and the management device wirelessly communicates with a portable terminal owned by the user. A receiving device capable of contactless input by communication, or an input for converting an input signal input via a communication line such as a telephone line from a second information terminal connectable to a communication line such as the Internet possessed by a user. A non-cash settlement system comprising any one of the signal conversion devices or any combination thereof. 10. The non-cash settlement system according to claim 8, further comprising a financial institution having a payment account for each user, wherein said management device records a usage fee for each user. Means for recording the usage fee for each user, and accessing the financial institution every predetermined period and accessing the financial institution from the payment account held by each user. Transfer collection means for transferring and collecting the total amount of the above, and transfer payment means for collectively transferring the usage fee for a predetermined period for each management device to an account of a service / product providing site for managing the management device. A non-cash payment system characterized by: 11. The non-cash settlement system according to claim 8, further comprising a financial institution having a payment account for each user, wherein said management device records a usage fee for each user. Means, said telephone company comprising:
A recording means for recording the usage fee for each user, and by accessing the financial institution at predetermined intervals, the total amount of the usage fee and telephone fee used by each user from the payment account held by each user is recorded by the telephone company. It is equipped with a transfer collection means for collecting and transferring money to the account, and a transfer payment means for transferring and transferring the total usage fee used by each user from the account of the telephone company to the account of the settlement service center which manages the settlement management device. The settlement management device transfers the usage fee for a predetermined period collectively to the account of the service / product providing site that manages the management device for each management device. A non-cash settlement system comprising a transfer payment means for making a payment.