WO2002046986A1

WO2002046986A1 - Settlement method, server device for implementing the method, and settlement program

Info

Publication number: WO2002046986A1
Application number: PCT/JP2000/008570
Authority: WO
Inventors: Motoharu Mizutani
Original assignee: Kabushiki Kaisha Toshiba
Priority date: 2000-12-04
Filing date: 2000-12-04
Publication date: 2002-06-13

Abstract

Only transaction information representing the content of the transaction is transmitted from a settlement terminal (ST1) of a store to a settlement server (SV), and the transaction information and credit card number are transmitted from a portable terminal (MS1) of a user. The settlement server (SV) checks the transaction information set transmitted from the settlement terminal (ST1) with that transmitted from the mobile terminal (MS1) of the user. IF both information sets agree with each other, whether or not a settlement request of the user can be approved is judged, and the settlement is executed if it can be approved.

Description

Specification

Payment method, server device for realizing this method, and payment processing program

Technical field

The present invention realizes a settlement method for settlement of a transaction made between a user and a seller using a card such as a credit card or a cash card, and a method for settlement. And a payment processing program.

Background art

For example, when the purchase price of a shopping is settled using a credit card or the like, the processing is generally performed as follows.

That is, payment terminals are installed in stores. The cashier of the store inserts the user's credit card into the payment terminal. Also, key in the purchased product code and its price. Then, the credit card number stored in the credit card is read at the payment terminal. Then, the payment request data including the credit card number of the user, the store number stored in the payment terminal in advance, and the commodity code and the price are credited via a dedicated line or a public telephone line. Sent to the company payment server.

The settlement server reads management information on the corresponding user from the user database based on the sent credit card number, and determines whether or not the settlement is possible based on the user management information. In other words, the above settlement request is approved. Will be When the payment request is approved, the payment processing is performed, and data representing the result of the payment processing is returned to the transmission terminal via the dedicated line or the public telephone line. Upon receiving the above data, the settlement terminal prints the settlement slip. The user signs his or her name on this settlement slip.

On the other hand, if the settlement request is not approved, the settlement server returns notification data of the non-approval to the sender's settlement terminal via the leased line or public telephone line, Is shown.

In the case of payment using a cash card, the processing is performed in substantially the same manner between the payment terminal installed in the store and the payment server of the bank.

However, in this type of conventional payment method, a card number stored in a card is read by a payment terminal and transferred to a payment server. For this reason, there was a concern that the user's card number could be stolen on the payment terminal or on the communication line from the payment terminal to the payment server, which was a major problem in maintaining security.

Disclosure of the invention

SUMMARY OF THE INVENTION It is an object of the present invention to provide a payment settlement method that improves the security by preventing the card number from being stolen when the payment settlement processing is performed using the card, a server device for realizing this method, and the like. And payment processing programs.

In order to achieve the above object, the first invention is a user and a seller. When using a card to settle a transaction that has been concluded between the seller and the payment server of the seller, the first transaction information that represents the contents of the transaction is sent from the seller's payment terminal to the payment server of the payment institution. And the same transaction information as the first transaction information and the card information of the card owned by the user from the personal terminal owned by the user to the settlement server. And are transferred via the above communication network. Then, in the settlement server, the first transaction information transferred from the seller's payment terminal is compared with the second transaction information transferred from the user's personal terminal, and the first transaction information and the second transaction information are compared. When the second transaction information matches, based on the force information transferred from the user's personal terminal, the payment processing included in the first or second transaction information is executed. It was made.

Therefore, according to the present invention, the user's card information is sent to the settlement server using the user's personal terminal without using the settlement terminal at the store. Therefore, even if a wiretapping means is set up on the payment terminal of the store or on the communication line from the payment terminal to the payment server, there is no fear that the wiretapping means can be used to steal the user's force information. As a result, security can be enhanced. '

In the second invention, first, the first transaction information representing the contents of the commercial transaction and the card information of the card owned by the user are transferred from the personal terminal owned by the user to the settlement server of the card settlement institution. Then, the settlement server determines the validity of the user based on the transferred card information. And the user is determined to be valid In this case, the payment server sends a transaction information transmission request to the seller's payment terminal based on the seller's address information included in the first transaction information, and the seller responds to the transmission request. The second transaction information, which is the same as the first transaction information, is transferred from the settlement terminal to the settlement server. Then, the payment server compares the first transaction information transferred from the user's personal terminal with the second transaction information transferred from the seller's payment terminal. When the second transaction information and the second transaction information match, the payment processing of the price included in the first or second transaction information is executed based on the card information transferred from the user's personal terminal. It is intended to do so.

Therefore, according to the present invention, the security of the card information of the user can be kept high as in the first invention. In addition, only when the user is determined to be valid, the matching and settlement processing is performed in the search server. For this reason, settlement requests by users other than the principal are eliminated in advance, and the settlement server performs verification, approval, and settlement processing only for settlement requests from the user himself. Therefore, the processing load on the settlement server can be reduced, and the efficiency of settlement processing can be increased.

In the third invention, first, the first transaction information representing the contents of the commercial transaction and the address information representing the contact information for the user are transferred from the settlement terminal of the seller to the settlement server of the card settlement organization. In response to this, the search server sends a transaction information and card information transmission request to the user's personal terminal. Then, in response to this request, the user's personal terminal receives the same information as the first transaction information. When the second transaction information and the card information of the card owned by the user are transmitted to the payment server, the payment server transmits the first transaction information transferred from the seller's payment terminal to the user's password. The second transaction information transferred from the sonal terminal is compared with the second transaction information.If the two match, the first or second transaction information is included based on the card information transferred from the user's personal terminal. This is to execute the settlement processing of the payment. Therefore, according to the present invention, the security of the card information of the user can be kept high as in the first and second inventions. Further, according to the present invention, the user can transmit the information for the settlement request including the transaction information and the card information in response to the transmission request from the search server. The settlement request can be sent at the timing, which can improve the efficiency of the matching process in the search server.

In particular, the transmission request transmitted by the search server includes template data used by the user to input and transmit the settlement request information. Then, the template data included in the transmission request may be displayed on a personal terminal so as to prompt input of information and transmission. In this way, even unskilled users can easily send settlement request information without error.

If the payment server cannot receive the transaction information from the payment terminal within a certain period of time after receiving the second transaction information and card information from the personal terminal, the payment terminal It is preferable to send a request for sending transaction information to the customer.

In this way, the time required for the payment terminal to send the payment request information to the payment server is reduced, thereby reducing the waiting time for the verification and payment processing at the payment server and improving the processing efficiency. Can be increased.

In addition, when the payment server cannot receive the second transaction information from the personal terminal within a certain time after receiving the first transaction information and the address information indicating the contact to the user from the payment terminal Then, a request for transmitting the transaction information to the personal terminal may be transmitted.

In this way, the time required for the personal terminal to send the settlement request information to the settlement server is shortened, which also shortens the waiting time for matching and settlement processing at the settlement server, thereby improving processing efficiency. Can be enhanced.

BRIEF DESCRIPTION OF THE FIGURES

FIG. 1 is a diagram showing a schematic configuration of a system for realizing a first embodiment of a payment method according to the present invention.

FIG. 2 is a block diagram showing a functional configuration of a settlement server in the system shown in FIG.

FIG. 3 is a sequence diagram showing the procedure and contents of payment in the system shown in FIG.

FIG. 4 is a diagram showing an example of information displayed on a portable terminal of the system shown in FIG.

FIG. 5 is a flowchart showing the content of the collation processing in the sequence diagram shown in FIG. FIG. 6 is a flowchart showing the contents of the approval and processing in the sequence diagram shown in FIG.

FIG. 7 is a sequence diagram showing a second embodiment of the payment settlement method according to the present invention. .

FIG. 8 is a sequence diagram showing a third embodiment of the payment settlement method according to the present invention.

BEST MODE FOR CARRYING OUT THE INVENTION

(First Embodiment)

FIG. 1 is a schematic configuration diagram of a system that implements a first embodiment of a payment method according to the present invention.

In this system, for example, a payment server SV installed at a card payment institution such as a credit company is used by a plurality of payment terminals ST :! to ST2 installed at each store and users. A plurality of personal terminals UT are configured to be connected via a communication network NW.

The personal terminal UT is a personal computer PC 1 to PC j used in each home or office, a mobile phone or a personal digital assistant (PDA) owned by the user.

Mobile terminals M S1 to M Sk such as Personal Digital Assistants) are used.

The communication network NW includes a wired public network such as PSTN (Public Switched Telephone Network) and ISDN (Integrated Service Digital Network), a mobile communication network such as a mobile phone network and PCS, and a network represented by the Internet. Network. The payment server SV is provided with a database DB. The database DB stores user management data of a plurality of users who own cards issued by card settlement institutions. The user management data is composed of the user's name, contact information, credit number, information indicating whether or not usage is suspended, and usage history information.

At this point, the settlement server SV is configured as follows. FIG. 2 is a block diagram showing a functional configuration of the settlement server SV.

The settlement server SV has CPU 11. The CPU 11 has a memory 12, a database interface (database I / F) 13, a communication interface (communication 1 / F) 14, and an input / output interface. (Input / output I / F) 15 and are connected via signal bus 18 respectively.

The database I 13 reads user management data from the database DB and writes user management data to the database DB according to the instructions of the CPU 11.

The communication IZF 14 communicates with the settlement terminals STl to STm and with the user's personal terminal UT via the communication network NW according to the instruction of the CPU 11.

The key input section 16 and the display section 17 are connected to the input / output IZF 15. The input / output I / F 15 transfers the data input from the key input section 16 to the CPU 11 and the user management data read from the database DB according to the instruction of the CPU 11. Are supplied to the display unit 17 for display. In addition, Although not shown, an external storage device such as a hard disk device and an external output device such as a printer are connected to the input / output IZF 15 as necessary.

The memory 12 includes a program storage unit for storing programs and a data storage unit for storing data and the like. The program storage section stores a communication control program 12a, a collation processing program 12b, and an approval / settlement processing program 12c.

The communication control program 12a receives the payment request data via the communication I / F 14 when the payment request data arrives from the payment terminals ST1 to ST2 via the communication network NW. And temporarily store it in the data storage section of memory 12. Also, when payment request data arrives from the user's personal terminal UT via the communication network NW, the payment request data is received by the communication I / F 14 and the memory 12 The data is temporarily stored in the data storage unit.

Further, the communication control program 12a also has a function of prompting the payment terminals ST1 to ST2 and the user's personal terminal UT to transmit the payment request data. This function is used when payment request data arrives from one of the payment terminals ST1 and ST2 or the user's personal terminal UT and within a certain period of time the payment terminal ST1 or ST2 or the other of the user's personal terminal UT. If the settlement request data does not arrive from, the request data for prompting the other party to transmit the settlement request data is transmitted.

The matching processing program 1 2 b is a payment terminal ST:! ~ ST 2 force, The settlement request data arriving from the user and the settlement request data arriving from the user's personal terminal UT are collated, and it is determined whether or not both represent the same business transaction. Specifically, the store number and the transaction number included in each settlement request data are collated, and it is determined whether or not they match.

Approval / Settlement processing program 12c uses the settlement request data sent from the user's personal terminal UT when the matching processing program 12b detects payment request data representing the same commercial transaction. The credit number is extracted, the database number is searched based on the credit number, and the corresponding user management data is read. Then, based on the user management data, it is determined whether or not the card settlement request from the user can be approved.

Next, a description will be given of a payment settlement method using force, which is executed by the system configured as described above.

Here, a case will be described as an example where the user of the mobile terminal MS1 purchases an article at a store where the settlement terminal ST1 is installed, and the settlement is made using a credit card.

FIG. 3 is a sequence diagram showing a data transmission / reception procedure between the mobile terminal MSI of the user, the settlement terminal ST1, and the settlement server SV installed at the credit company, and a processing content of the settlement server SV. is there.

When performing the settlement, first store of the person in charge to enter the transaction information by operating the key input portion of the settlement terminal ST 1 (stearyl-up 3 a) _t transaction information, to the store number, transaction number and sales price Composed It is. It should be noted that the store number is stored in advance in the settlement terminal ST1, so that the entry can be omitted. In addition, the above transaction information may be input by reading a par code displayed on a product tag. In this way, transaction information can be entered easily and accurately.

When the input of the transaction information is completed and the person in charge performs the transmission operation, the settlement terminal ST1 sends a call signal to the communication network NW based on the telephone number of the settlement server SV stored in advance.

(O ut going c all signal) force ^s are transmitted. The communication network NW forms a communication link between the originating payment terminal ST1 and the payment server SV in response to the transmission signal. When this communication link is established, settlement terminal ST1 includes the transaction information in the settlement request data and sends it to settlement server SV.

On the other hand, the user inputs the transaction information and the credit card number of the credit card owned by the user at his / her mobile terminal MS1 (step 3b). This input is performed by a key input operation. FIG. 4 shows an example of operation guidance displayed on the mobile terminal MS 1 at the time of the key input operation.

That is, first, in step 4a, a message prompting entry of the store number and the transaction number is displayed. In this state, when the user enters the store number and transaction number and clicks “Next”, a message prompting the user to enter the purchase price is displayed as shown in step 4b. If you enter the purchase amount and click “Next”, a message prompting you to enter your credit card number is displayed as shown in step 4c. This state When the user enters the credit card number and clicks "Next", a message prompting the user to enter a password is displayed as shown in step 4d. If you enter your password here and click Next, you will be prompted to enter a card expiration date as shown in step 4e. In this state, enter the expiration date and click “Next”, and the data entered so far will be listed as shown in step 4f.

It is also possible to provide the user's personal terminal with a card reading function or a flash memory card reading function, and to use these functions to input the card number of the credit card. . If a user's personal terminal has a barcode reading function or an information input function using infrared or wireless communication, it is possible to input transaction information using these reading functions.

The user confirms the contents of the input data in the above list display, and clicks “yes” if correct. Then, a call signal is transmitted from the mobile terminal MS1 to the communication network NW. The communication network NW forms a communication link between the mobile terminal MS1 of the calling source and the settlement server SV according to the calling signal. When this communication link is established, payment request data including the above input data is transmitted from mobile terminal MS 1 to payment server SV. FIG. 4g shows an example of the message displayed after this transmission. Note that the settlement request data can also be transmitted using e-mail. When the payment server SV receives the payment request data from the payment terminal ST1 and the user's mobile terminal MS1, respectively, the payment server SV extracts and collates the transaction information from the payment request data in step 3c. FIG. 5 is a flowchart showing the processing procedure and processing contents.

That is, the settlement server SV first compares the store numbers included in each transaction information in step 5a. If the two match, the transaction numbers are compared in step 5b. As a result of these comparisons, if the store number and the transaction number also match, the process proceeds to the approval process described later. If any one of them does not match, the process proceeds to the mismatch notification process.

Generally, there is a time lag between the payment terminal and the user's personal terminal when transmitting the payment request data. For this reason, the settlement server SV sets a certain matching period for each of the arriving settlement request data, and collates the settlement request data arriving from the settlement terminal and the user's personal terminal within the matching period.

Also, when the settlement request data arrives from only one of the settlement terminal and the user's personal terminal, and the settlement request data does not arrive from the other after the above-mentioned verification period has elapsed. A transmission request for the settlement request data may be sent. In this case, the collation period is extended for a fixed time.

If matching payment request data is not detected as a result of matching in the above matching period, non-match notification data is sent to the payment terminal or personal terminal that sent the payment request data. I believe. When the payment terminal or personal terminal receives the mismatch notification data, the content is described in step 3e or step 3.

Display with 3 f.

Here, it is assumed that matching payment request data is detected as a result of the matching. In this case, the settlement server SV shifts from step 3d to step 3g and executes the approval processing here. F

IG.6 is a flowchart showing the processing procedure and processing contents.

That is, the settlement server SV first searches the database DB based on the credit card number and the password included in the settlement request data received in step 6a, and retrieves the user management data from the database DB. read out. Next, based on this search result, it is determined whether or not the card number has been registered in step 6b. If registered, it is determined in step 6c whether or not the transaction is suspended, and in step 6d, it is determined whether or not the debit account has a balance equal to or greater than the purchase amount. When the approval process is completed, the settlement server SV subsequently executes a process for notifying the requesting settlement terminal ST1 and the mobile terminal MS1 of the result of the approval process in step 3h. That is, if it is confirmed in the above approval process that the user's card is being traded and that the debit account has a balance equal to or greater than the purchase amount, approval notice data is generated and this data is generated. The data is transmitted to the requesting settlement terminal ST 1 and the mobile terminal MS 1. On the other hand, if any one of the above approval conditions is not satisfied, non-approval notification data is generated and this data Is transmitted to the requesting payment terminal ST 1 and the mobile terminal MS 1 .The transmission of the approval notification data or the non-approval notification data is performed during the communication between the requesting payment terminal ST 1 and the mobile terminal MS 1. This is done via a link.

When the settlement server SV returns the approval notification data or the non-approval notification data from the settlement server SV, the requesting settlement terminal ST 1 and the mobile terminal MS 1 execute step 3 i and step 3 j to delete the contents of the notification data. The corresponding message is displayed. Step 4 h of FIG 4 shows an example of this display message.

When the card payment request from the user is approved in the above approval process, the payment server SV proceeds to step 3k and executes the payment process. When the payment processing is completed, notification data representing the processing result of the payment is generated in step 3m, and the payment result notification data is transmitted to the requesting payment terminal ST1 and mobile terminal MS1. Send.

At the settlement terminal ST1 and the mobile terminal MS1, a message indicating the contents of the settlement result notification data is displayed at step 3n and step 3o, respectively.

As described above, in the first embodiment, only the transaction information representing the details of the transaction is transmitted from the payment terminal ST1 of the store to the payment server SV, and the transaction information is transmitted from the mobile terminal MS1 of the user. And the credit card number. Then, the payment server SV checks the transaction information sent from the payment terminal ST1 and the user's mobile terminal MS1 and finds that they match. In this case, it is determined whether or not the user's payment request can be approved, and if it can be approved, the payment processing is executed.

Therefore, the credit card number of the user is transmitted to the payment server SV using the mobile terminal MS 1 of the user without using the payment terminal ST 1 of the store. For this reason, even if the eavesdropping means is set up on the settlement terminal ST1 of the store or on the communication line from the settlement terminal ST1 to the settlement server SV, the user's credit card number can be obtained by the eavesdropping means. Will not have to worry about being stolen, which will increase security.

(Second embodiment)

In a second embodiment of the payment settlement method according to the present invention, as a procedure for transmitting settlement request data from a store and a user to a settlement server, first, the settlement request data is transmitted from the user's personal terminal to the settlement server. The user is authenticated based on the payment request data. If the user is identified as a result of the authentication, the payment server sends a transaction information transmission request to the payment terminal of the store, and the payment terminal sends a payment request to the payment server in response to the transmission request. It is designed to transmit data.

FIG. 7 is a sequence diagram showing a data transfer procedure of the system according to the second embodiment of the present invention and control contents of the settlement server. The configuration of the system and the functional configuration of the settlement server are the same as those shown in FIG. 1 and FIG. 2, and the description is omitted here. First, the user inputs the transaction information and the credit card number of the credit card owned by the user at his / her mobile terminal MS1 in step 7a. As shown in FIG. 4, the type of data to be input and the input procedure are set in the order of shop number, transaction number, purchase price, credit card number, and personal identification number as shown in FIG.

Also in this embodiment, the user's personal terminal is provided with a card reading function or a flash memory card reading function, and the card number of the credit card is input by using these functions. And are possible. If the user's personal terminal has a barcode reading function or an information input function using infrared or wireless communication, it is possible to input transaction information using these reading functions.

When the user performs a transmission operation after the input of the above data, a call signal is transmitted from the mobile terminal MS 1 to the communication network NW, thereby making a settlement with the call source mobile terminal MS 1. A communication link is formed with the server SV. When the communication link is established, payment request data including the input data is transmitted from mobile terminal MS 1 to payment server SV. Note that the settlement request data can also be transmitted using electronic mail.

When the payment server SV receives the payment request data from the mobile terminal MS1 of the user, the payment server SV obtains the credit card number and the password included in the payment request data in step 7b. The user management data is read out by searching the database DB, and the validity of the user is determined based on the management data. If the user is identified by this determination, the settlement server SV determines in step 7c the database DB based on the store number included in the settlement request data received from the mobile terminal MS1. From the store, and sends a transaction information transmission request to the payment terminal ST1 of the store according to this phone number. At the same time, in step 7d, the settlement request data received from the portable terminal MS1 is stored and held in the data storage area of the memory 12.

On the other hand, if the above-mentioned determination of the validity of the user does not confirm that the user is the user himself / herself, the inconsistency notification data is returned to the requesting mobile terminal MS1, and the credit card number and Prompt for re-entry of PIN.

On the other hand, the settlement terminal ST 1 of the store, upon receiving a request for transmitting the transaction information from the settlement server SV, displays the contents of the request in step 7e. In this state, when the store clerk operates the key input section of the payment terminal ST1 to input the transaction information, and then performs the transmission operation, a transaction is formed between the payment terminal ST1 and the payment server SV. The settlement request data including the transaction information is sent to the settlement server SV via the communication link (step 7f).

In the present embodiment as well, the store number can be omitted if the store number is stored in advance in the settlement terminal ST1. The above transaction information may be input by reading a bar code displayed on the tag of the product. In this way, transaction information can be entered easily and accurately. When the payment server SV receives the payment request data from the payment terminal ST1, it proceeds to step 7g. Then, in this step 7g, the transaction information from the payment request data received from the payment terminal ST1 and the payment request data from the user's mobile terminal MS1 previously received and stored are respectively transferred. Extract and collate.

If matching payment request data is not detected as a result of this collation, non-match notification data is transmitted to payment terminal ST 1 or mobile terminal MS 1 that transmitted the payment request data. When the settlement terminal ST1 or the portable terminal MS1 receives the inconsistency notification data, it displays the content in steps 7i and 7j.

At this point, if the transaction information matches as a result of the above collation, the settlement server SV moves to step 7h and then to step 7k, where the approval processing is executed. The procedure of this approval process is the same as that shown in the flowchart of FIG. When the approval processing is completed, the settlement server SV subsequently executes a process for notifying the settlement terminal ST1 of the result of the approval processing in step 7m. The transmission of the approval notification data or the non-approval notification data is performed via the communication link being formed with the settlement terminal ST 1 that has made the request.

When the settlement server SV returns the approval notification data or the non-approval notification data from the settlement server SV, the requesting settlement terminal ST1 displays a message representing the contents of the notification data in step 7n. Also, when the card settlement request from the user is approved in the above approval processing, the payment server SV proceeds to step 7 o and executes the payment processing. When the settlement processing is completed, notification data representing the settlement processing result is generated in step 7p, and the settlement result notification data is transmitted to the requesting settlement terminal ST1. At the settlement terminal ST1, a message indicating the contents of the settlement result notification data is displayed in step 7q.

The approval result and the settlement processing result may be transferred to the mobile terminal MS 1 of the user and displayed.

As described above, in the second embodiment, the procedure for transmitting the payment request data from the store user to the payment server is as follows. First, the user's personal terminal UT transmits the payment request data to the payment server SV. The server SV authenticates the user based on the payment request data. Then, if the user is confirmed as a result of the authentication, the settlement server SV sends a transaction information transmission request to the settlement terminal ST1 of the store, and in response to the transmission request, setstles the settlement terminal ST. The payment request data is sent from 1 to the payment server SV.

Therefore, similarly to the first embodiment, the credit card number of the user is transmitted to the settlement server SV using the mobile terminal MS 1 of the user without using the settlement terminal ST 1 of the store. And For this reason, there is no need to worry that the credit card number of the user can be stolen on the payment terminal ST1 of the store or the communication line from the payment terminal ST1 to the payment server SV. This can increase security.

In addition, the user is authenticated in advance, and the matching and settlement processing is performed in the search server SV only when it is confirmed that the user is himself. Therefore, the settlement request by the user other than the principal is eliminated in advance, and the settlement server sV performs the matching, approval, and settlement processing only for the settlement request from the user himself. Therefore, the payment server s

V can reduce the processing load and increase the efficiency of payment processing.

(Third embodiment)

In the third embodiment of the purchase settlement method according to the present invention, as a procedure for transmitting settlement request data from the store and the user to the settlement server, first, the settlement request data is transferred from the settlement terminal of the store to the settlement server. I do. The payment server sends a transmission request for the payment request data to the personal terminal based on the telephone number of the user's personal terminal included in the request data, and responds to the transmission request from the personal terminal to the payment server. Is transmitted.

FIG. 8 is a sequence diagram showing the data transfer procedure of the system according to the third embodiment of the present invention and the control contents of the settlement server. The configuration of the system and the functional configuration of the settlement server are the same as those shown in FIG. 1 and FIG. 2 described above, and a description thereof will not be repeated.

When making a payment, the store clerk first operates the key input section of the payment terminal ST 1 to provide the transaction information and the mobile terminal held by the user. Enter the telephone number or e-mail address of MS 1 (step 8a). The transaction information consists of a store number, transaction number, and sales amount. Since the store number is stored in advance in the settlement terminal ST1, the entry can be omitted. Further, the input of the transaction information may be performed by reading a bar code displayed on a product tag. In this way, transaction information can be entered easily and accurately.

When the data input is completed and the person in charge performs the transmission operation, a call signal is sent from the settlement terminal ST1 to the communication network NW, and the communication between the settlement server SV and the settlement terminal ST1 is thereby performed. Connected via network NW. The settlement terminal ST 1 sends the transaction information and the telephone number or e-mail address of the user's portable terminal MS 1 to the settlement server SV with the settlement request data included.

When the payment request data arrives from the payment terminal MS1, the payment server SV stores in the database DB whether or not the transmission terminal ST1 of the transmission source is a registered terminal in step 8b. Judgment is made based on the existing store management data. If the payment terminal ST 1 of the transmission source is already registered, the payment request data is transmitted to the user's mobile terminal M'S 1 based on the telephone number included in the received payment request data. Send the request. At this time, the transmission request is transmitted including template data used by the user to input and transmit the settlement request information. This transmission request can be inserted or attached to the body of the e-mail and sent. At the same time, the settlement server SV stores and holds the settlement request data received from the portable terminal MS 1 in the data storage area of the memory 12 in step 8c.

On the other hand, in the user's mobile terminal M S1, when a transmission request for the payment request data arrives from the payment server SV, the template data included in the transmission request is displayed in step 8d. The user inputs the transaction information and the credit card number of the credit card owned by the user according to the template data (step 8e). At this time, the template data is configured as shown in FIG.

Also in this embodiment, the user's personal terminal is provided with a card reading function or a flash memory card reading function, and the card number of the credit card is input by using these functions. This is possible. If the user's personal terminal is provided with a barcode reading function or an information input function using infrared or wireless communication, it is possible to input transaction information using these reading functions.

When the user performs a transmission operation after inputting the above data, a call signal is transmitted from the mobile terminal MS 1 to the communication network NW, and the call source mobile terminal MS 1 and the settlement server are thereby transmitted. A communication link is formed with the SV. When the communication link is established, payment request data including the input data is transmitted from mobile terminal MS 1 to payment server SV. Note that the settlement request data can also be transmitted using electronic mail.

The payment server SV makes payment from the mobile terminal MS 1 of the above user When the request data is received, the process proceeds to step 8f. In step 8f, transaction information is extracted from the payment request data received from the mobile terminal MS1 and the payment request data from the payment terminal ST1 received and stored earlier. Collate.

If matching payment request data is not detected as a result of this comparison, non-match notification data is transmitted to the payment terminal ST 1 and the mobile terminal MS 1 that transmitted the payment request data. When the settlement terminal ST 1 and the portable terminal MS 1 receive the inconsistency notification data, the contents are displayed in steps 8h and 8i.

On the other hand, if the transaction information matches as a result of the above collation, the settlement server SV shifts from step 8g to step 8j, where the approval processing is executed. The procedure and contents of this approval process are the same as those shown in the FIG.6 Flip Chart. When the approval process is completed, the settlement server SV subsequently executes a process for notifying the settlement terminal ST1 of the result of the approval process in step 8k. The transmission of the approval notification data or the non-approval notification data is performed via a communication link being formed with the requesting settlement terminal ST1.

When the settlement server S V returns the approval notification data or the non-approval notification data from the settlement server SV,

A message indicating the contents of these notification data is displayed by 8 m.

In addition, in the above approval process, the card settlement If the request is approved, the settlement server SV then proceeds to step 8n, where the settlement process is executed. When the settlement processing is completed, notification data representing the settlement processing result is generated in step 8o, and the settlement result notification data is transmitted to the requesting settlement terminal ST1. In settlement terminal ST1, a message indicating the contents of the settlement result notification data is displayed in step 8q.

The approval result and the settlement processing result may be transferred to the mobile terminal MS1 of the user and displayed.

As described above, in the third embodiment, as a procedure for transmitting the settlement request data from the store user to the settlement server, first, the settlement request data is transferred from the settlement terminal ST1 of the store to the settlement server SV. I do. The settlement server SV sends a request for transmitting settlement request data to the mobile terminal MS 1 based on the telephone number or e-mail address of the user's mobile terminal MS 1 included in the request data, and responds to the transmission request. Payment request data is transferred from the mobile terminal MS1 to the payment server SV.

Therefore, in this embodiment, similarly to the first and second embodiments, the user's credit card number can be set without using the settlement terminal ST1 of the store and using the mobile terminal MS1 of the user. Will be sent to the settlement server SV. For this reason, there is no need to worry that the user's credit card number can be seen on the settlement terminal ST1 of the store or on the communication line from the settlement terminal ST1 to the settlement server SV. Can be improved. Also, since the user only needs to input and send the payment request information in response to the transmission request transferred from the payment server SV, the payment is always made at the appropriate timing without being lost in the transmission timing. Request data can be sent. Moreover, since the template data is sent in the transmission request, the user can always input the data accurately and smoothly according to the template data without being confused.

(Other embodiments)

In each of the above embodiments, the case where the user transmits the settlement request data at the store using his / her mobile terminal has been described as an example. However, the present invention is not limited to this. For example, when a user makes a purchase application for mail-order sales at home from the home, or when a purchase request is made to a sales site on the Internet using a personal computer. It can be applied in the same way as a settlement method in the case of payment.

In each of the above embodiments, the settlement server compares each store number and transaction number received from the settlement terminal of the store and the personal terminal of the user. However, the present invention is not limited to this. The represented time stamp data may be collated. In short, the information used for matching may be any information as long as it is unique information set for each commercial transaction.

Further, in the above-described embodiment, the card information is described as an example of the information transmitted only by the user's personal terminal, but other information such as the user's name, telephone number, e-mail address, and address may be used. Person information may be included.

Further, in the second and third embodiments, the transmission request is transmitted only once. However, if the settlement request data is not received even after a certain period has elapsed after the transmission of the transmission request, The transmission request may be repeatedly transmitted at the above-mentioned fixed period. If no data is received, a communication failure notification is sent to the requesting settlement terminal or personal terminal, and the communication line is disconnected.

In addition, the types and configurations of the settlement terminal and the personal terminal, and the configuration and control contents of the settlement server can be variously modified and implemented without departing from the gist of the present invention.

Industrial applicability

As described above in detail, according to the present invention, payment processing is performed by transferring the user's card information to the payment server using the user's personal terminal without using the payment terminal at the store. As a result, it is possible to prevent the card number from being stolen when performing the payment processing using the card, and the payment method and the method for improving security are thereby improved. It provides a server device and a payment processing program for realizing it.

Claims

The scope of the claims

1. In a method of using a card to settle a transaction made between a user and a seller,

A step of transferring, via a communication network, first transaction information representing the contents of the commercial transaction from a settlement terminal of a seller to a settlement server of a settlement institution;

From the personal terminal owned by the user to the settlement server, the same second transaction information as the first transaction information and the card information of the card owned by the user are transmitted via the communication network. Steps to transfer,

In the settlement server, collating the first transaction information transferred from the seller's settlement terminal with the second transaction information transferred from the user's personal terminal;

When the first transaction information and the second transaction information match, based on the card information transferred from the user's personal terminal, the price included in the first or second transaction information is calculated. And a step of performing a settlement process.

2. In the method of using a card to settle a transaction made between the user and the seller,

The first transaction information indicating the contents of the commercial transaction and the card information of the card owned by the user are transferred from the personal terminal owned by the user to the settlement server of the card settlement institution via the communication network. Steps and

In the settlement server, whether the personal terminal of the user Determining the validity of the user based on the card information transferred from the

When the user is approved by the determination of the validity, a request for transmitting the transaction information is sent from the settlement server to the settlement terminal of the seller based on the seller identification information included in the first transaction information. Transferring over the communication network;

In response to the transmission request, transferring the same second transaction information as the first transaction information from the seller's payment terminal to the payment server via the communication network;

In the settlement server, collating the first transaction information transferred from the personal terminal of the user with the second transaction information transferred from the settlement terminal of the seller;

3. In the method of using a card to settle the transaction made between the user and the seller,

Transferring the first transaction information and the user identification information representing the contents of the commercial transaction from the settlement terminal of the seller to the settlement server of the card settlement institution via a communication network;

When the first transaction information arrives, a transmission request for payment request information is sent from the payment server to the personal terminal owned by the user via the communication network based on the user identification information. And the steps to transfer

In response to the transmission request, transfer the payment request information including the same second transaction information as the first transaction information and the card information of the card owned by the user via the communication network. Step and.

In the settlement server, collating the first transaction information transferred from the seller's payment terminal with the second transaction information transferred from the user's personal terminal;

4. The personal terminal sends a recitation code to the settlement terminal in addition to the first transaction information and the card information representing the contents of the commercial transaction,

3. The payment settlement method according to claim 2, wherein the settlement server judges the validity of the user based on the card information and the recitation code transferred from the user's personal terminal.

5. The payment server transmits the transmission request including template data used by the user to input and transmit the payment request information,

The personal terminal of the user, when a transmission request arrives from the settlement server, displays template data included in the transmission request to prompt input and transmission of information. The payment method according to claim 3.

6. Connect to the seller's payment terminal and the personal terminal owned by the user via the communication network, and use the card to settle the transaction made between the user and the seller. A server device of a clearing house that performs processing,

First receiving means for receiving, via a communication network, first transaction information representing the content of the commercial transaction transmitted by the settlement terminal of the seller;

A second reception of receiving, via the communication network, second transaction information identical to the first transaction information and card information of a card owned by the user, transmitted by the personal terminal of the user. Means,

Collating means for comparing the first transaction information received by the first receiving means with the second transaction information received by the second receiving means;

If the first transaction information and the second transaction information match as a result of the collation by the collation unit, the first or second card information is received based on the card information received from the personal terminal of the user. And a settlement processing means for executing settlement processing of the price included in the transaction information.

7. If the first and second receiving means cannot receive the transaction information from the other terminal within a certain time from the time when the transaction information is received from one of the settlement terminal and the personal terminal 7. The server device according to claim 6, further comprising: transmitting a request for transmitting the transaction information to the other terminal.

8. When the second receiving unit receives the second transaction information and the card information from the user's personal terminal, the second receiving unit determines the validity of the user based on the card information. Means and

If the user is determined to be valid by this determination means, a request for prompting the payment terminal to transmit the transaction information is made based on the seller's address information included in the second transaction information. 7. The server device according to claim 6, further comprising a first requesting means for transmitting.

9. When the first receiving means receives the first transaction information transmitted from the settlement terminal and the address information indicating the contact address to the user, the first reception means uses the address information based on the address information. 7. The server device according to claim 6, further comprising second request means for transmitting a request for transmitting transaction information and card information to a personal terminal of the user.

10. Connected to the payment terminal of the seller and the personal terminal owned by the user via the communication network, and settled the payment for the commercial transaction between the user and the seller by card. A payment processing program used in a server of a payment institution that performs the processing,

Receiving, via a communication network, first transaction information representing the content of the commercial transaction transmitted by the seller's settlement terminal;

Second transaction information identical to the first transaction information transmitted by the user's personal terminal and a card owned by the user Receiving the card information through the communication network;

Reconciling the received first transaction information with the second transaction information,

As a result of the matching, when the first transaction information and the second transaction information match, the first and second transactions are performed based on the card information received from the personal terminal of the user. Executing a settlement process for the price included in the information.

1 1. The step of receiving the first and second transaction information is performed from the other terminal within a certain period of time after the transaction information is received from either the payment terminal or the personal terminal. 10. The payment processing program according to claim 10, wherein, when the transaction information cannot be received, a request for prompting the other terminal to transmit the transaction information is transmitted.

12. When receiving the second transaction information and the card information from the user's personal terminal, determining the validity of the user based on the card information;

Transmitting a request to the payment terminal to transmit the transaction information based on the seller's address information included in the second transaction information when the user is determined to be valid; 10. The settlement processing program according to claim 10, wherein the settlement processing program is further provided.

1 3. When receiving the first transaction information and the address information indicating the contact information for the user sent by the payment terminal, 10. The method according to claim 10, further comprising the step of transmitting a request for transmitting transaction information and card information to the user's personal terminal based on the address information. Payment processing program.