JP2002133340A - System and home terminal device for electronically relaying order receiving/crediting/settlement in all mail order business - Google Patents

Abstract

PROBLEM TO BE SOLVED: To relay crediting and settlement information by using apparatus at home, in various mail-order business such as television shopping, Internet sales, and a catalogue mail-order sales. SOLUTION: A purchaser 1 possesses terminals 10 or 20 having a system wherein a magnetic card/IC card reading machine 11-1 or a non-contacting card reading machine 11-2 or an IC memory reading machine 11-3 is combined with a bi-directional television set 10-1 or a cellular phone 20-1 or a personal computer 50, and make the terminals 10 or 20 conduct credit reference of the purchaser 1, order receiving, settlement at the time of purchasing in the various mail-order business. Credit information and a purchasing price are directly sent to a relay center 30 by way of a telephone line network 40, a cellular phone network 41 and the like. The relay center 30 relays the received data to an outside institute 30-1 conducting credit reference and settlement, thereby confirming whether the purchasing is authenticated or not.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an authentication method and a settlement method at the time of purchase in television shopping, Internet sales, and mail order sales of catalog sales, and relates to functions of an interactive television receiver and a portable telephone.

[0002]

2. Description of the Related Art The above-mentioned mail-order sales are transactions with unspecified buyers who cannot be exchanged for cash at the time of sales and who cannot see the other party, and there is concern about collection of the money. Therefore, we would like to recommend a payment method using a credit card or cash card. In Internet sales, the ID number of the card is entered by operating a personal computer and transmitted to the sales side. In television shopping, an ID number is notified in a conversation with an operator when ordering by telephone.
In catalog sales, mail is generally used. Television shopping, Internet sales, and catalog sales are traded in different ways, and there is no uniform electronic trading.

[0003] As means for transmitting personal credit information such as a credit card to a sales company, there are a case of a person-to-person conversation by telephone and a case of inputting credit information to a computer as in Internet sales. There is anxiety about information leakage through people. There are many concerns about the Internet, such as the presence of a connection provider.

[0004] On the other hand, in the case of over-the-counter sales, a credit card terminal installed at the store is used to provide personal credit introduction or highly secure communication directly connected to an institution for checking and settlement of deposit balance by telephone line. I have.

[0005]

[Prior art proposals] Therefore, with regard to the method of ordering and settlement of television shopping, Internet sales and catalog mail order, a function to read a credit card even at home and to directly communicate with a settlement institution is required, and the following proposals have been made so far. I have.

[0006] In Internet sales, a plurality of connection companies intervene, and unlike one-to-one communication, a plurality of users can intervene, so there is a problem in information leakage. Regarding an authentication method in which the buyer directly communicates with an existing credit referral agency without using the Internet network, Japanese Patent Application No.
244726. In this proposal, it is necessary to have a user database inside the center system for authentication, and to register the purchaser in advance of the transaction. Since the user's telephone line is busy during the call because of the callback for the authentication check, the credit check cannot be performed immediately at the time of ordering. It is necessary to independently collect credit information and personal information even with the technology applied for in Japanese Patent Application No. 7-251122.

In the technology of television shopping in interactive television having a communication function, Japanese Patent Application Laid-Open No. 7-251
122 proposes an application. Although there is an ordering system using a remote controller, there is a method of authenticating a purchaser using a television remote controller to authenticate a user by a unique ID number recorded in a receiving terminal. In this method, data relating the ID number recorded in the receiving terminal and the purchase user is registered in advance in the order receiving center with personal data, and it is necessary to independently collect credit information. In addition, patent 07-254083
This is a proposal for ordering a product with respect to the technology of Japanese Patent Application Laid-Open No. H10-74535, and is not a proposal for installing a device having a function of reading a card or an IC memory at home to introduce credit.

A technique for recording credit information in an internal memory of a portable telephone is proposed in Japanese Patent Application No. 10-3908. However, prior art means for recording personal credit information is required because the memory is not removable. Lack of convenience. In addition, it is used by connecting to a specific store where the second terminal is installed, and is not suitable for mail order at home.

A technique for reading a product described in a catalog using a bar code is proposed in Japanese Patent Application No. 3-23704, but is not proposed for settlement using a portable telephone. Japanese Patent Application No. 5-257885 also proposes a catalog information ordering system using a terminal with a barcode reader. However, this is a terminal system using a personal computer installed in a beauty or barber shop. It is not a credit and settlement system used in private homes. Thus, it is not a technology that can be used at home at any time, and is compatible with all of TV shopping, Internet sales, and catalog mail order.

[0010]

Even in the case of settlement using a credit card, there is a problem in security due to human intervention such as transmitting the credit card number to a partner operator by telephone. In addition, there is a problem in that a telephone conversation is crowded at the time of purchase due to a long talk time due to conversation between humans by telephone. An authentication method in which the buyer directly communicates with the existing credit referral agency without using the Internet network has been proposed, but it is necessary to have a user database inside the center system and register the buyer before conducting transactions . In addition, there is a problem in that the telephone line of the user is busy during the call because the call-back is performed for the authentication check, so that the credit check cannot be performed immediately at the time of ordering.

The present invention is applicable to mail-order sales such as television shopping, Internet sales, catalog sales, etc. (1) The purchaser's ability to pay at the time of ordering can be confirmed, and the purchaser's bank account can be automatically paid. Provision of a relay center system for relaying to an existing external organization in order to realize an electronic transaction in which payment can be made and remittance to a sales company, and (2) credit card, cash card, or IC memory It is an object of the present invention to provide a home terminal device that can use the terminal and communicates with a relay center.

[00012]

In order to solve the above-mentioned problems, a purchaser performs personal credit introduction, or balance confirmation and settlement on an interactive television receiver or portable telephone held at home. For this purpose, a credit company or a financial institution has a terminal system equipped with a means for reading a card or an IC memory in which personal settlement information is recorded and communicating using a telephone line or the like. The terminal system is credit introduction,
Alternatively, a means for connecting to the relay center system described below is used for the information on balance confirmation and settlement. The order information takes a means to connect with the system of the sales company. As a result, it can be used for all mail-order sales.

The relay center system receives the information of the personal ID number and the usage amount from the terminal system, adds the sales company information, and relays the information to the existing external institution for credit inquiry and settlement. Take. As a result, the pre-registration of personal credit information can be omitted, and a purchaser holding a credit card, a cash card, or an IC memory can use it safely at any time.

[0014]

DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 shows an embodiment of the operation from order placement to settlement according to the present invention. It is an operation diagram from order to settlement. In FIG. 1, a purchaser 1 has an interactive television set at home or a terminal system 10 or 20 in which a portable telephone and a personal authentication reading function are combined. The personal authentication reading function is a function of reading a magnetic card, an IC card, a contactless card, or an IC memory, which is a storage medium in which credit information is written by a credit, a credit company, a financial institution, or an agency. is there. The IC memory is an ultra-small, easily removable storage medium that incorporates an EEPROM or a flash memory and has personal credit information written therein. Further, the purchaser 1 itself can read personal credit information recorded on a magnetic card or an IC card and write similar information into the IC memory.

[0015] According to FIG.
Receiving information on goods and services provided by TV shopping, or Internet sales, or catalog mail order, interactive television terminal 10,
Alternatively, the user connects to the relay center 30 using the portable telephone terminal 20 and transmits the authentication information.

In the case of credit, the relay center 30
Adds the information of the sales company 60 to an external credit introduction and settlement institution 31-1 and relays signals for authentication and non-authentication. When the authentication signal is received, the settlement signal is sent to the terminal 1
Send to 0 or 20.

In the case where a cash card is used, the relay center 30 provides an external deposit balance introduction and settlement institution 3.
The information of the sales company 60 is added to 2-1 and an authentication / non-authentication signal is relayed. When the settlement signal is received, a confirmation signal is transmitted to the terminal 10 or 20.

After the payment by credit or cash card, the purchaser 1 is provided with the goods and the like, and the payment is collected from the credit company 31-2 or the financial institution 32-2 to the relay center 30. Is paid to the sales company 60 to complete the transaction and settlement.

FIG. 2 and FIG. 3 are configuration diagrams of the interactive television terminal 10 used for television shopping. According to FIG. 2, a magnetic card / IC card reader 11-1 or a non-contact card reader 11- is attached to an interactive television receiver 10-1 having a telephone communication function.
2 or an embodiment in which an IC memory reader 11-3 is combined. FIG. 3 shows an interactive television receiver 10-1.
This is an embodiment in which an IC memory reader 11-3 is combined with a receiver operation remote controller 12-2 attached to the present embodiment.

2 and 3, the purchaser 1 inserts a card into the magnetic card / IC card reader 11-1 or the non-contact card reader 11-2 to acquire the credit information of the purchaser 1. When using an IC memory card, the IC memory 11-4 is attached to the IC memory reader 11-3 to acquire the credit information of the purchaser 1. By operating the remote controller 12-1 or 12-2 attached to the interactive television terminal 10, order information such as a sales company number, a product number, a quantity, a name, and a delivery address is obtained. For credit management and settlement using credit, credit information, sales company information,
And the purchase price is transferred via the public network 40 to the relay center 3
0 directly. As shown in FIG. 1, the relay center 30 relays the received data to an external credit introduction and settlement agency 31-1, and receives an authentication and non-authentication signal. When receiving the authentication signal, the interactive television terminal 1
0 receives a settlement signal. Regarding the balance confirmation and settlement using the cash card, the credit information, the sales company information, and the purchase price are directly transmitted to the relay center 30 via the public line network 40. The relay center 30 relays the received data to an external balance introduction and settlement agency 32-1 for receiving a settlement signal. When receiving the authentication signal, the interactive television terminal 10 receives the settlement signal. Regarding the order information of both the credit card and the cash card, the order information is transmitted to the sales company 60 via the public network 40. An order confirmation signal is received from the sales company 60. When a rejection signal such as out of stock is received, rejection information is transmitted to the purchaser's 1 system. After this action, the goods and the like are provided to the buyer 1, and the credit company 31-2 or the financial institution 32-2 transmits the merchandise to the relay center 3.
At 0, the payment is collected and paid from the relay center 30 to the sales company 60 to complete the transaction and settlement.

FIG. 4 is a block diagram of the portable telephone terminal 10 used for Internet sales or catalog sales. According to the figure, the portable telephone terminal 20 is a portable telephone 20.
-1 is provided with an interface 21 and can be connected to a barcode reader 21-1 or a personal computer 50. Also, an IC memory reader 11-3 is combined.

When the portable telephone terminal 10 is used in Internet sales, the portable telephone 20-1 is connected to the portable telephone 20-1.
The personal computer 50 is connected to the interface 21 by combining the C memory reader 11-3 and the sales company number,
Acquire order information such as product number, quantity, name, and shipping address. IC memory 11 in IC memory reader 11-3
-4 is attached and the credit information of the buyer 1 is acquired.

The portable telephone terminal 10 can also be used for catalog mail order. In this case, the portable telephone 10-1
The C memory reader 11-3 is combined, a barcode reader 21-1 is connected to the interface 21, and the barcode described in the catalog is read to obtain a product number. By operating the portable telephone 10-1, order information such as a sales company number, a quantity, a name, and a delivery address is acquired. If the barcode is not described in the catalog, the product number is obtained by operating the mobile phone 10-1. The IC memory 11-4 is mounted on the IC memory reader 11-3 to acquire the credit information of the purchaser 1.

The external communication means of the mobile phone terminal 20 is the same in Internet sales and catalog mail order. As shown in FIG. 5, credit management and settlement by credit use, credit information, sales company information, and purchase are performed. The amount is directly transmitted to the relay center 30 via the mobile phone network 41. The relay center 30 relays the received data to an external credit introduction / payment agency 30-1 and receives authentication and non-authentication signals. When receiving the authentication signal, the mobile phone 20 receives the settlement signal. Regarding the balance confirmation and settlement using the cash card, the credit information, the sales company information, and the purchase amount are stored in the mobile phone network 41.
Is transmitted directly to the relay center 30 via The relay center 30 relays the received data to an external balance introduction / payment agency 40-1 for receiving a payment signal. When receiving the authentication signal, the portable telephone terminal 20 receives the settlement signal.

Since the order information is made during the Internet connection in the case of Internet sales, a settlement signal is transmitted from the portable telephone terminal 20 to the personal computer 50 to complete the order. In the case of a catalog mail order, the above order information is transmitted to the sales company 60 via the telephone line 20. An order confirmation signal is received from the sales company 60. When a rejection signal such as out-of-stock is received, rejection explanation information is transmitted to the portable telephone terminal 20.

After the above-mentioned ordering operation, the goods and the like are provided to the buyer 1, and the credit company 31-2 or the financial institution 32
-2, the payment is collected by the relay center 30, and the payment is paid from the relay center 30 to the sales company 60, and the transaction and the settlement are completed.

When the IC memory is used to confirm the identity of the purchaser 1, the fingerprint of the purchaser 1 is registered in the IC memory 11-4, and the interactive television terminal 10 shown in FIG. The fingerprint analyzer 11 is connected to the portable telephone terminal 20.
It also has a function of collating fingerprint information registered in advance at the time of purchase with fingerprint information that has been read by the fingerprint analyzer 11-5.

[0028]

As described above, for all of television shopping, Internet sales, and catalog mail order, an interactive television receiver or a portable telephone held at home can be used as a terminal, and as shown in FIG. The information is only communicated directly to the relay center and relayed, so the security of the purchaser is secured without being leaked. In addition to the Internet, all mail-order sales are supported, and the sales company has the effect of being able to confirm in advance the purchaser's ability to pay when receiving an order for a product or service and to make a payment. In this case, there is an effect that the existing credit reference mechanism that performs card authentication and settlement business performed at stores etc. can be used, and the social infrastructure where credit cards and cash cards are widely used is used as it is. This will increase the safety of the sales company, the convenience of the buyer, and the effect of using both. ,

[Brief description of the drawings]

FIG. Operational diagram from ordering to settlement

FIG. Configuration diagram of a home terminal combining an interactive television receiver with a personal authentication reading function

FIG. Configuration diagram of a home terminal combining a remote control unit of an interactive television receiver with a personal authentication reading function

FIG. Configuration diagram of a home terminal that combines a mobile phone with a personal authentication reader and an external device interface

FIG. Connection diagram of a home terminal combining a mobile phone with a personal authentication reader and barcode reader

FIG. Configuration diagram combining an interactive television terminal and a portable telephone terminal with a fingerprint analyzer

FIG. Usage diagram of various mail-order sales by interactive television terminal or portable telephone terminal

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[Procedure amendment]

[Date of submission] December 20, 2000 (200.12.
20)

[Procedure amendment 2]

[Document name to be amended] Drawing

[Correction target item name] All figures

[Correction method] Change

[Correction contents]

FIG.

FIG. 2

FIG. 3

FIG. 4

FIG. 5

FIG. 6

FIG. 7

Claims (8)

[Claims] A personal credit information is encrypted and written in an easily removable IC memory medium having a built-in EEPROM or a flash memory by a credit / credit store, a financial institution, or a proxy company, and distributed to purchasers. 2. The IC memory medium according to claim 1, wherein:
The purchaser himself can read, encrypt and write personal credit information recorded on the credit card or cash card held by the purchaser. 3. An interactive television terminal having a television receiving function and a communication function, a magnetic card reader, an IC card reader, a contactless card reader, or an IC memory. Combines a reader to read the buyer's credit information. 4. An interactive television terminal having an IC memory reader and a remote controller for operating a receiver in an interactive television receiver having a television receiving function and a communication function, reads credit information of a purchaser. 5. The interactive television terminal connects the read purchaser's credit information to a relay center system via a public telephone network and communicates authentication and settlement. 6. An IC in which credit information of a purchaser is written.
The portable telephone terminal combined with the memory is connected to the relay center system via the portable telephone network and communicates about authentication and settlement. 7. A bar code reader is combined with a portable telephone combined with an IC memory. Obtain product information with a barcode reader, input the name, shipping address, etc. and order quantity in advance by operating the mobile phone,
It connects with the sales company via the mobile phone network and communicates the input order information. 8. The relay center is compatible with a plurality of mail-order sales methods such as television shopping, Internet sales, and catalog mail order, and is connected to an interactive television terminal or a portable telephone terminal, and trusts the purchaser by communication. The information is relayed to existing external institutions that provide credit introduction and payment for multiple credit companies, and perform authentication, non-authentication, and payment. Alternatively, the balance is relayed to an existing institution that performs balance inquiry and settlement on behalf of a plurality of financial institutions, and performs balance confirmation and settlement.