JP2002251579A - System and method for electronic settlement authentication server device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To allow electronic settlement while securing secrecy of identification information of a user and to make various charging methods available. SOLUTION: A mobile communication terminal device 1 transmits the identification information of the user and charging method selection information to an authentication server device 3 through a subscriber's line, and the authentication server device 3 determines whether the user can purchase a commodity or not on the basis of the identification information. If purchase of the commodity is allowed, purchase approval information is transmitted to the mobile communication terminal device 1. The mobile communication terminal device 1 transmits the purchase approval information to a settlement server device 5. The settlement server device 5 transmits the purchase approval information to the authentication server device 3 for determining whether the information is correct or not. If the purchase approval information is correct, the settlement server device 5 performs settlement processing, and the authentication server device 3 charges the user the cost by a charging method designated by the charging method selection information.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic settlement system and an electronic settlement method for settlement of goods and / or services purchased by a user of a communication terminal device and charging the settlement fee to the user. The present invention relates to an authentication server device in an electronic payment system.

[0002]

2. Description of the Related Art With the spread of information communication networks such as the Internet, portable telephones and PHSs (Personal Handyphone Sy
stem) Telephone, PDA (Personal Digital Assistant)
Various services can be received using a mobile communication terminal device such as.

[0003] Such services include paid information provision services, sales of paid products, rental services of various products, and the like, and the identification of a user via an information communication network when enjoying such paid services. And certification will become increasingly important in these service industries.

[0004] Conventional electronic settlement methods for such services include the following four main methods.

(1) A method of transmitting an identification number or a password of a credit card, a debit card, or the like to a partner via a telecommunication line, and performing credit settlement, debit settlement, or the like on the partner. In this case, the settlement price is charged to the user's bank account or the like.

[0006] (2) Check the transfer account indicated with the purchase guide for the product or service, or use the transfer paper sent to transfer the transfer to the seller's account, and the seller transfers the transfer. How to provide goods or services after confirming.

(3) A method in which goods are sent using a cash-on-delivery service of a delivery company or the like, and the delivery company or the like acts on behalf of the goods to receive the price in exchange for the goods.

(4) A method of transmitting virtual currency information such as electronic money to a provider of a product or the like to receive provision of the product or the like.

In addition, as a general payment method, in addition to payment using a prepaid card, payment based on a currency, a part or all of the purchase price of a product or the like is paid by points given to purchase of a past product or the like. Pay, a so-called point service, is being implemented. In these methods, the price is usually charged at the time of settlement and settled by the user.

[0010]

However, in the conventional electronic settlement method, the identification information of the user or the user's communication terminal device is transmitted to the provider of the product or the like via an insecure telecommunication line such as the Internet. However, there is a problem that the identification information may be eavesdropped at the time of transmission, or the identification information may be misused by the other party. There has been a method of registering an identification number in the other party and authenticating the user with the identification number and password issued by the other party, but when using the Internet, the buyer checks the creditworthiness of the seller. Is difficult to do.

[0011] Further, with respect to virtual currency such as electronic money, there is a possibility that money value information may be duplicated, so that it is difficult to eliminate transaction risk and it is difficult to use it for expensive transactions. For these reasons, buyers themselves have been paying money at financial institutions, etc., and receiving and receiving payments. Is not widely spread.

[0012] The present invention has been made in view of the above-described problems, and enables electronic payment while ensuring confidentiality of user identification information, and can use various charging methods. It is an object to obtain an electronic payment system, an electronic payment method, and an authentication server device.

[0013]

In order to solve the above-mentioned problems, an electronic settlement system according to the present invention comprises a communication terminal device,
An authentication server device that authenticates the user of the communication terminal device and charges the user for the payment of the goods and / or services purchased by the user, and the user setstle the payment for the goods and / or services. A settlement server device. Then, the communication terminal device transmits the charging method selection information indicating the type of charging method selected by the user and the identification information unique to the user to the authentication server device via the subscriber line. And / or receives purchase approval information to authorize the purchase of the service,
The received purchase approval information is transmitted to the settlement server device. Further, the authentication server device determines, based on the identification information, whether or not the user can purchase a product and / or a service, and a purchase availability determination unit. And an authentication server for transmitting the purchase approval information to the communication terminal device when the purchase permission / inhibition means has permitted the purchase of the product and / or service; Determining means for determining whether the purchase approval information is correct; and receiving the purchase approval information from the settlement server device, and determining that the purchase approval information is correct, the product and / or An authentication server second communication means for transmitting a payment settlement permission notification to the effect that the payment for the service is permitted to the settlement server device, and settlement by the settlement server device The payment amount of goods and / or services, and a charging means for charging the user for billing method specified by the charging method selection information received by the authentication server the first communication means. Further, the settlement server device receives the purchase approval information from the communication terminal device.
A communication unit, a payment server second communication unit that transmits the purchase approval information received by the payment server first communication unit to the authentication server device, and receives a payment settlement permission notification from the authentication server device; Payment means for settling the price of goods and / or services when the payment is made.

With this electronic settlement system, even if identification information unique to a user is used for user authentication, such identification information unique to the user is transmitted via an insecure telecommunication line. The electronic payment can be realized by securing the confidentiality of the user's unique identification information without being known to the payment server device on the seller side, and the user can use various charging methods. Can be.

[0015] Further, in the electronic settlement system of the present invention, in addition to the electronic settlement system of the above invention, the billing means of the authentication server device performs billing by subtracting the settlement price from the prepaid amount as one of billing methods. Is to execute the method.

By using this electronic settlement system, the user can select one of a plurality of billing methods including at least a prepaid deposit service, and the convenience of the user is improved.

Further, in the electronic settlement system according to the present invention, in addition to the electronic settlement system according to any one of the above-mentioned inventions, the billing means of the authentication server device may execute one of the billing methods based on accumulated points generated according to past purchase prices. In this method, a point is charged by subtracting points corresponding to the settlement price.

When this electronic payment system is used, the user can select any of a plurality of charging methods including at least a point service, and the convenience of the user is improved.

Further, in the electronic settlement system of the present invention, in addition to the electronic settlement system of each of the above-mentioned inventions, the billing means of the authentication server device adds a settlement price to a subscriber line usage fee as one of billing methods. In this case, a billing method is executed.

By using this electronic settlement system, the user can select any one of a plurality of billing methods including at least a service for adding the settlement price to the usage charge of the subscriber line, thereby improving the convenience of the user. improves.

[0021] Further, in the electronic settlement system of the present invention, in addition to the electronic settlement system of each of the above-mentioned inventions, the authentication server device inquires a predetermined financial institution of a user who purchases goods and / or services using a financial service. An inquiry is made by accessing the server device and determining whether or not the user can purchase the product and / or service based on the usage status of the financial service of the user.

By using this electronic settlement system, it is possible to refuse settlement of users without the ability to pay, users with poor payment status, unauthorized users, etc., thereby improving the security of electronic commerce such as online shopping. can do.

Further, in the electronic settlement system of the present invention, in addition to the electronic settlement system of each of the above-mentioned inventions, the authentication server device and / or the settlement server device may invalidate the purchase approval information once used for the payment. It was done.

When this electronic payment system is used, the same purchase approval information cannot be used illegally multiple times, and the security of electronic commerce can be improved.

Further, in the electronic settlement system of the present invention, in addition to the electronic settlement system of each of the above-mentioned inventions, the authentication server device accumulates the purchase price of goods and / or services for each user, and accumulates the purchase price. Is not allowed to purchase goods and / or services if the price exceeds a predetermined upper limit.

With this electronic payment system, even if the purchase approval information is used improperly, the damage can be reduced to a certain amount or less. In addition, by setting an upper limit according to the user's ability to pay, non-payment to a credit company or the like that operates the authentication server device can be suppressed. Further, by setting the upper limit of the amount corresponding to the amount of the prepaid payment and the amount corresponding to the acquired points, the payment can be reliably received in the prepaid payment service and the point service.

According to the electronic settlement method of the present invention, a step of transmitting identification information of a user via a subscriber line from a communication terminal device to an authentication server device for authenticating a user; Transmitting charging method selection information indicating the charging method selected by the user; and determining whether the user can purchase a product and / or service based on the identification information in the authentication server device. Transmitting the purchase approval information to the communication terminal device when the purchase of the product and / or service is permitted; and transmitting the purchase approval information to the payment server device for settingtle the price of the product and / or service from the communication terminal device. Transmitting the payment approval information from the payment server device to the authentication server device,
A step of determining whether or not the purchase approval information is correct in the authentication server device; and, if determining that the purchase approval information is correct, a payment settlement permission notice for permitting the payment of the goods and / or services. Transmitting to the settlement server device, when the settlement server device receives the payment settlement permission notification, settlement of the price of the goods and / or services, and transmission of the goods and / or services to be settled by the settlement server device. Charging the settlement fee to the user by the authentication server device using a charging method specified by the charging method selection information.

When this electronic payment method is used, it is possible to perform electronic payment while ensuring the confidentiality of the identification information of the user, and it is possible to use various charging methods.

An authentication server device according to the present invention comprises: a purchase permission / inhibition determining means for determining whether or not a user of a communication terminal device can purchase a product and / or a service based on identification information of the user; Receiving the identification information of the user and the charging method selection information indicating the charging method selected by the user from the device via the subscriber line, and determining whether the purchase of the goods and / or services is permitted by the purchase permission / inhibition determining means; Authentication server first communication means for transmitting the purchase approval information to the communication terminal device, and determining whether or not the purchase approval information from the payment server device from which the user pays for the goods and / or services is correct; Determining means for receiving the purchase approval information from the settlement server device, and when the determination means determines that the purchase approval information is correct, the goods and / or An authentication server second communication unit for transmitting a payment settlement permission notification to the effect that the payment for the service is permitted to the payment server device; and a product and / or product to be settled by the payment server device by the charging method specified by the charging method selection information. Alternatively, there is provided charging means for charging the user for the payment for the service.

When this authentication server device is used, even if the identification information unique to the user is used for the authentication of the user in the electronic payment system, such identification information unique to the user is not highly secure in telecommunications. The electronic payment can be realized while ensuring the confidentiality of the user's unique identification information without being transmitted via the line or being known to the seller's payment server device, and allowing the user to pay various charges. A method is available.

[0031]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to the drawings.

FIG. 1 is a block diagram showing a configuration of an electronic payment system according to an embodiment of the present invention. In FIG. 1, when a user purchases a product and / or a service, a mobile communication terminal device 1 presents unique identification information of the user to an authentication server device 3 via a subscriber line, and When the purchase approval information is received from the device 3, the function of transmitting the purchase approval information to the settlement server device 5 such as the online shop and paying for the purchase of the product or service is provided by a conventional small mobile phone, PHS telephone, P
It is added to DA etc. Mobile communication terminal device 1
Has a function of transmitting to the authentication server device 3 charging method selection information indicating the charging method selected by the user, and purchase information indicating at least the type or price of the desired purchase product (or desired purchase service).

The identification information of the user may be input by the user operating the mobile communication terminal device 1 or may be stored in the mobile communication terminal device 1 in advance. Also,
A reading device may be added to the mobile communication terminal device 1 to read from another recording medium such as a credit card.

The communication network 2 is a communication network provided by a user, that is, a communication carrier to which the mobile communication terminal device 1 subscribes, and is capable of establishing a subscriber line, such as a mobile telephone network. For example, when the mobile communication terminal device 1 is a digital mobile phone, a subscriber line is established in the digital mobile phone network, and confidentiality of communication is ensured. In particular, CDMA (Co
In the case of the de Division Multiple Access method, the confidentiality of communication can be increased.

The authentication server device 3 stores user information such as contract information of each user, authenticates the user based on identification information from the mobile communication terminal device 1, and Judge whether to permit the purchase of the product or the like based on the purchase information from, etc., and if the purchase is permitted, move the purchase approval information including the information on the purchase product and the purchase price etc. It is a server that transmits to the body communication terminal device 1.

When the authentication server device 3 receives the purchase approval information from the settlement server device 5, the authentication server device 3 determines whether the purchase approval information is legitimate or not, and determines whether the purchase approval information is legitimate. Transmits a payment settlement permission notification to the settlement server device 5, and the product and / or the settlement by the settlement server device 5 by the accounting method specified by the accounting method selection information from the mobile communication terminal device 1. It is a server that charges the user for the payment for the service.

FIG. 2 is a block diagram showing a configuration of the authentication server device 3 of the electronic settlement system shown in FIG. In FIG. 2, a control unit 41 controls each unit of the authentication server device 3.

Further, the authentication means 42, based on the identification information of the subscriber transmitted from the mobile communication terminal device 1,
It is determined whether or not the subscriber, that is, the mobile communication terminal device 1 is to be authenticated.

Further, the purchase approval information issuing means 43 determines whether the mobile communication terminal device 1 authenticated by the authentication means 42 permits the user to purchase the desired goods and / or services. It is determined whether or not the purchase is approved and purchase approval information is generated only when the purchase is permitted.
That is, the authentication unit 42 and the purchase approval information issuing unit 4
Reference numeral 3 functions as purchase availability determination means for determining whether the user can purchase a product or the like based on the identification information of the user.

The determination means 44 determines whether the settlement server device 5
When the request for payment settlement permission is transmitted together with the purchase approval information from, the approval information table 52 is referred to to determine whether or not the purchase approval information is valid.

The usage information management means 45 manages the line usage fee and the like of the mobile communication terminal device 1 and notifies the payment server device 5 of the permission for payment or the payment server device 5 performs payment. When the notification is received, the subscriber use information 53 is updated, and the settlement price is
This is charging means for charging the user based on the charging method selected by the user.

The communication means 46 is connected to the communication network 2 and communicates with the mobile communication terminal 1 and the like.

The communication means 47 is provided in the settlement server 5
The communication is performed between the server and a dedicated line. The dedicated line is a conventional CAT (Credit A
uthorization Terminal) system.

The storage means 48 includes, in addition to the subscriber registration information 51 such as the identification information of the registered user, an approval information table 52 in which purchase approval information is recorded in association with the identification information of the user, It stores subscriber use information 53 such as purchase history. As the storage means 48, various storage means such as a high-speed storage element such as a memory and a large-capacity hard disk drive are used as necessary. If conditions such as the expiration date are added to the purchase approval information, such conditions are also stored in the approval information table 52. The subscriber usage information 53 includes information on the balance of the prepaid amount in the prepaid payment service, information on accumulated points in the point service for giving points to the user according to past purchases,
Includes information on usage fees for subscriber lines.

The control means 41, the authentication means 42, the purchase approval information issuing means 43, the determination means 44, and the use information management means 45 are realized by, for example, a microprocessor and a memory storing a program describing the operation thereof. Is done.

Returning to FIG. 1, the computer network 4
Is a computer network such as the Internet.

Upon receiving the purchase approval information from the mobile communication terminal device 1, the settlement server device 5 transmits the purchase approval information to the authentication server device 3 in order to confirm that the purchase approval information is correct. Upon receiving a payment settlement permission notification for the purchase approval information from the authentication server device 3, the server setstle the price of the product and / or service corresponding to the purchase approval information.

The transfer of the purchase approval information from the mobile communication terminal device 1 to the settlement server device 5 may be performed via the computer network 4 or the like, or may be settled near the mobile communication terminal device 1. If the server device 5 is provided, the communication may be performed using infrared communication or short-range wireless communication such as Bluetooth.

The settlement server device 5 further transmits, for example, HTTP (Hypertext Transcription) to the mobile communication terminal device 1 connected via the computer network 4 or the like.
HTML (Hypertext Markup Languag) with sferProtocol
e) An online shop that transmits information such as documents and image data to present products and services to users may be opened.

FIG. 3 is a block diagram showing a configuration of the settlement server device 5 of the electronic settlement system shown in FIG. In FIG. 3, a control means 61 controls each section of the settlement server device 5.

The communication means 62 transmits and receives data to and from the mobile communication terminal device 1.

The payment means 63, when receiving the payment settlement permission notification from the authentication server device 3, setstle the price of the goods and / or services desired by the user.

The storage means 64 stores product / service information 71 such as HTML documents and image data, products and / or
Alternatively, it stores the purchase approval information at the time of settlement of the service transaction, the settlement price, the settlement information 72 including the purchase date and time, and the like. As the storage unit 64, various storage units such as a high-speed storage element such as a memory and a large-capacity hard disk drive are used as necessary.

The communication means 65 is provided in the authentication server 3
The communication is performed between the server and a dedicated line.

The control means 61 and the payment means 63 in FIG. 3 are realized by, for example, a microprocessor and a memory storing a program describing the operation thereof.

Returning to FIG. 1, the financial institution inquiry server device 6
Is a credit payment service,
When receiving an inquiry about the usage status of a financial service such as a consumer financial service, the server transmits the service usage status of the user.

The communication means 46 of the authentication server device 3
Is the first communication means of the authentication server in the electronic payment system, and the communication means 47 of the authentication server device 3 is the second communication means of the authentication server in the electronic payment system. The communication means 62 of the settlement server device 5 is a first settlement server communication means in the electronic settlement system, and the communication means 65 of the settlement server device 5 is a settlement server second communication means in the electronic settlement system.

Next, the operation of each device in the electronic settlement system of the present embodiment, that is, one embodiment of the electronic settlement method of the present invention will be described. FIG. 4 is a sequence diagram illustrating the operation of each device in the electronic payment system shown in FIG.

First, the user operates the mobile communication terminal device 1 to access an online shop or the like, and obtains information on goods and / or services provided by the online shop or the like, for example, images and price information, through the mobile communication terminal. It is displayed on the terminal device 1.

When the user performs an operation on the mobile communication terminal device 1 to select a desired product to be purchased, the mobile communication terminal device 1 transmits a command based on the operation to the online shop. The purchase information transmitted from the online shop is received, and the content is displayed.
Please note that based on the product and service information received earlier,
The mobile communication terminal device 1 may generate the purchase information.

Then, the user purchases the product and / or
Alternatively, when a predetermined operation is performed after confirming the type and amount of the service, the mobile communication terminal device 1 causes the product and / or
Alternatively, a list of billing methods for the service fee is displayed. FIG. 5 is a diagram illustrating an example of a list of charging methods displayed on the mobile communication terminal device 1. The information on the available billing method is stored in advance in the mobile communication terminal device 1 or acquired by inquiring of the authentication server device 3 or the like.

At this time, for example, as shown in FIG. 5, the display 100 of the mobile telephone which is the mobile communication terminal device 1
, "1. Prepaid deposit" 11
1, “2. Point settlement” 112 and “3. Addition to telephone charges” 113 are displayed, and the billing method corresponding to the item selected by the selection operation on the operation unit (not shown) of the mobile communication terminal device 1 is displayed. , It is assumed that the user has selected. At this time, the mobile communication terminal device 1 may be configured to be able to select only a charging method that can be used by the user among all charging methods.

The billing method corresponding to the item “1. Prepaid deposit” 111 is a so-called prepaid deposit service, which is a method of subtracting the payment amount from the prepaid deposit amount and billing. In this billing method, the prepaid amount and the balance are stored as the subscriber use information 53 in the storage means 48 of the authentication server device 3, and the balance is subtracted by the use information management means 45 by the settlement price.

The billing method corresponding to the item “2. Point settlement” 112 is a so-called point service, in which points corresponding to the settlement price are subtracted from the accumulated points generated according to the past purchase price. It is.
In this billing method, the accumulated points generated according to the past purchase price are stored in the storage means 48 of the authentication server device 3 as the subscriber use information 53, and the accumulated points are stored by the use information management means 45 of the authentication server device 3. Is reduced by the point corresponding to the settlement price.

A billing method corresponding to the item “3. Addition to telephone charges” 113 is a method of billing by adding the settlement price to the usage fee of the subscriber line. In this billing method, information on the usage fee of the subscriber line is stored in the storage means 48 of the authentication server device 3 as the subscriber usage information 53, and the usage information management means 45 of the authentication server device 3 uses the usage information of the subscriber line. The settlement fee is added to the fee.

When there is an operation for selecting a charging method for the mobile communication terminal device 1, the mobile communication terminal device 1, as shown in FIG. The purchase information of the selected product and / or service and the charging method selection information indicating the selected charging method are transmitted to the authentication server device 3 via the subscriber line together with the purchase approval information request. At this time, encrypted communication may be used to prevent eavesdropping. In addition, as the identification information of the user, for example, in addition to the name of the user and the identification number of the user or the mobile communication terminal device 1, a password determined by the user at the time of the credit settlement contract is used.

Instead of transmitting these pieces of information to the authentication server 3 collectively, only the name and identification number of the user are transmitted first, and when the authentication server 3 asks for the password, Alternatively, the user may input the password and transmit the password to the authentication server device 3.

Further, the mobile communication terminal device 1 may transmit the charging method selection information to the authentication server device 3 after the user is authenticated by the authentication server device 3. Alternatively, the mobile communication terminal device 1 may transmit to the authentication server device 3 after the settlement is completed. Furthermore, there is no particular need to transmit the charging method selection information immediately after the user selects the charging method. For example, a charging method is selected when a purchased product is determined, and the mobile communication terminal device 1 transmits the charging method selection information to the authentication server device 1 after receiving a payment settlement notification described later. It may be.

The mobile communication terminal device 1 may temporarily disconnect the connection to the online shop and connect to the authentication server device 3, or may connect to the authentication server device 3 while maintaining the connection to the online shop. You may make it. For example, the next-generation communication standard, IMT-2000
(International Mobile Telecommunication-2000) is expected to realize a so-called multi-call function that can establish a plurality of communications on one line. Connection to the authentication server device 3 can be performed in parallel.

In this case, the subscriber line is used as a communication path as it is. However, if security is enhanced by using cryptographic communication or the like, a communication path such as the Internet, which is originally relatively low in security, can be used. May be used.

Then, the communication means 46 of the authentication server device 3
Receives the purchase approval information request, the identification information, the purchase information, and the billing method selection information from the mobile communication terminal device 1,
These are supplied to the control means 41.

Upon receiving the purchase approval information request, the control means 41 first authenticates the received identification information with the authentication means 42.
Purchase approval information issuing means 4
Supply 3

Then, the control means 41 makes the authentication means 42 determine whether or not to authenticate the user having the identification information. The authentication unit 42 searches the subscriber registration information 51, and if the user of the identification information is registered, authenticates the user; otherwise, authenticates the user. If the user has not been authenticated, the process ends.
Then, the authentication unit 42 outputs the authentication result to the control unit 4.
1 and the purchase approval information issuing means 43.

If the user has been authenticated, the purchase approval information issuing means 43 determines whether the subscriber may purchase the goods and / or services indicated by the purchase information.

At this time, the purchase approval information issuing means 43
The financial institution reference server device 6 refers to the subscriber usage information 53 or causes the control unit 41 to control the communication units 46 and 47.
To obtain the user's financial service usage status, check the user's ability to pay, payment status, etc., and decide whether or not to purchase goods and / or services based on the results. If the purchase is permitted, purchase approval information for the user and the purchased product is generated, registered in the approval information table 52 in association with the identification information, and supplied to the control unit 41.

Upon receiving the purchase approval information, the control means 41 controls the communication means 46 to transmit the purchase approval information to the mobile communication terminal device 1 which has transmitted the purchase approval information request via the subscriber line. Send. At this time, the purchase approval information may be transmitted via a communication path different from the subscriber line.

When the control means 41 receives the billing method selection information from the communication means 46, the control means 41 uses the usage information management means 45.
To supply.

Then, upon receiving the purchase approval information from the authentication server device 3, the mobile communication terminal device 1 transmits the purchase approval information to the settlement server device 5.

When the communication means 62 of the settlement server device 5 receives the purchase approval information, it supplies it to the control means 61.
When receiving the purchase approval information, the control means 61 controls the communication means 65 and transmits the purchase approval information to the authentication server device 3 in order to confirm that the purchase approval information is legitimate. .

When the communication means 47 of the authentication server device 3 receives the purchase approval information from the settlement server device 5, it supplies it to the control means 41. The control unit 41 supplies the purchase approval information to the determination unit 44, and causes the determination unit 44 to determine whether the purchase approval information is legitimate.

At this time, the judging means 44 refers to the approval information table 52 to determine whether the purchase approval information has been recorded, has not been used already, the issuer user, expiration date, and other conditions. Then, it is determined whether or not the purchase approval information has been issued properly and is valid, and the determination result is supplied to the control means 41.

If the purchase approval information is issued properly and is valid, the control means 41 sends a payment settlement permission notice for the purchase approval information to the settlement server device which is the source of the purchase approval information. 5 to control the communication means 47 to transmit via a dedicated line or the like.

The communication means 65 of the settlement server device 5 receives the payment settlement permission notice from the authentication server device 3 and supplies it to the control means 61. Upon receiving the payment settlement permission notification, the control unit 61 supplies purchase approval information corresponding to the payment settlement permission notification to the payment settlement unit 63.

On the other hand, the control means 61 of the settlement server device 5
If the payment settlement permission notification is not received even after waiting for a predetermined time, the payment is refused, and the mobile communication terminal device 1 is notified of this. In addition, the authentication server device 3
If the payment is not permitted, a notification to that effect may be transmitted, and the payment server device 5 may reject the payment if the notification is received.

After the payment settlement permission notification is received, the payment settlement means 63 of the settlement server device 5 setstle the purchase price of the goods and / or services selected by the user based on the purchase approval information. The purchase approval information, the price paid, the name of the purchased product or service, the quantity, and the like are recorded in the storage unit 64 as the payment information 72. When the payment is completed, the payment means 63 notifies the control means 61 of the completion. When receiving the notification of the fact, the control means 61 transmits a price settlement notification including the information such as the price of the product and the like to the mobile communication terminal device 1 and the authentication server device 3.

The communication means 46 of the authentication server device 3 supplies the payment settlement notice to the control means 41 upon receiving the notice.
The control unit 41 causes the usage information management unit 45 to perform a charging process in response to receiving the payment settlement notification. The usage information management means 45 charges the user for the goods and services settled by the settlement server device 5 using the charging method specified by the charging method selection information received from the mobile communication terminal device 1. At this time, the usage information management unit 45 performs the charging process by updating the subscriber usage information 53 stored in the storage unit 48 as described above.

As described above, according to the above embodiment,
The mobile communication terminal device 1 transmits the identification information of the user and the charging method selection information indicating the charging method selected by the user to the authentication server device 3 via the subscriber line, and the authentication server device 3 Based on the identification information, the user decides whether or not to purchase the product and / or service, and transmits the purchase approval information to the mobile communication terminal device 1 when the purchase of the product and / or service is permitted. . Then, the mobile communication terminal device 1 transmits the purchase approval information to the settlement server device 5. The settlement server device 5 transmits the purchase approval information from the mobile communication terminal device 1 to the authentication server device 3 to determine whether the purchase approval information is correct. When the authentication server device 3 determines that the purchase approval information is correct, the authentication server device 3 transmits a payment settlement permission notification for permitting the payment of the goods and / or services to the payment server device 5. When the payment server device 5 receives the payment settlement permission notification, the payment server device 5 setstle the price of the product and / or service, and the authentication server device 3 charges the user with the charging method specified by the charging method selection information. I do. As a result, even if the identification information unique to the user is used for user authentication, such identification information unique to the user is not transmitted over a low-security line or is not known to the settlement server device 5. Electronic payment can be realized while ensuring the confidentiality of user-specific identification information,
Various charging methods can be used.

Further, according to the above-described embodiment, the usage information management means 45 of the authentication server device 3 executes, as one of the billing methods, a method of billing by subtracting the settlement price from the prepaid money amount. Therefore, the user can select any of a plurality of charging methods including at least the prepaid payment service, and the convenience of the user is improved.

Further, according to the above-described embodiment, the use information management means 45 of the authentication server device 3 corresponds to the settlement price from the accumulated points generated according to the past purchase price as one of the billing methods. Since the method of charging by subtracting points is executed, the user can select any of a plurality of charging methods including at least the point service, and the convenience of the user is improved.

Further, according to the above-described embodiment, as one of the billing methods, the usage information management means 45 of the authentication server device 3 adds the settlement fee to the usage fee of the subscriber line and charges the bill. Since the execution is performed, the user can select any one of a plurality of charging methods including at least a service for adding the settlement price to the usage fee of the subscriber line, and the convenience for the user is improved.

Further, according to the above-described embodiment, the authentication server device 3 accesses the predetermined financial institution inquiry server device 6 to inquire about the use status of the financial service of the user who purchases the goods and / or services. Then, based on the user's use status of the financial service, it is determined whether or not this user can purchase the product and / or service. As a result, it is possible to refuse the settlement of a user without the ability to pay, a user with a poor payment situation, a fraudulent user, etc., and it is possible to improve the security of electronic commerce such as online shopping.

In the above embodiment, the authentication server device 3 and / or the payment server device 5 may invalidate the purchase approval information once used for the payment. In that case, the same purchase approval information cannot be used illegally multiple times, and the security of electronic commerce can be improved.

In the above-described embodiment, the authentication server device 3 stores the subscriber usage information 53 for each user.
The purchase price of the goods and / or services may be accumulated, and the purchase of the goods and / or services may not be permitted when the accumulated amount of the purchase price exceeds a predetermined upper limit. In this case, even if the purchase approval information is used illegally, the damage can be reduced to a certain amount or less. In addition, by setting the upper limit amount according to the user's ability to pay, non-payment to the company that operates the authentication server device 3 can be suppressed. Further, by setting the upper limit of the amount or the balance of the points, the payment can be reliably received in the prepaid deposit service and the point service.

In the above-described embodiment, whether the approval of the purchase is determined based on the inquiry result from the financial institution inquiry server 6 is determined. May be determined.

In the above embodiment, the charging method selection information is transmitted to the authentication server device 3 via the subscriber line, but may be transmitted via another communication path.

Further, in the above embodiment, the price is charged after the payment, but the payment may be performed after charging the price.

[0097]

According to the present invention, it is possible to make electronic payment while securing the confidentiality of the user's identification information and to use various charging methods.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of an electronic payment system according to an embodiment of the present invention.

FIG. 2 is a block diagram showing a configuration of an authentication server device of the electronic payment system shown in FIG.

3 is a block diagram showing a configuration of a payment server device of the electronic payment system shown in FIG.

FIG. 4 is a sequence diagram illustrating an operation of each device in the electronic payment system shown in FIG.

FIG. 5 is a diagram showing an example of a list of billing methods displayed on the mobile communication terminal device shown in FIG.

[Explanation of symbols]

 REFERENCE SIGNS LIST 1 mobile communication terminal device (communication terminal device) 3 authentication server device 5 settlement server device 6 financial institution inquiry server device 42 authentication means (purchase permission / decision means) 43 purchase approval information issuing means (purchase permission / prohibition decision means) 44 determination means 45 Usage information management means (charging means) 46 communication means (authentication server first communication means) 47 communication means (authentication server second communication means) 62 communication means (payment server first communication means) 63 price settlement means 65 communication means (payment) Server second communication means)

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 ZEC G06F 17/60 ZEC

Claims (9)

[Claims] 1. A communication terminal device, an authentication server device for authenticating a user of the communication terminal device and charging the user for a payment for goods and / or services purchased by the user, and the user And a settlement server device for settling the price of the goods and / or services, wherein the communication terminal device transmits charging method selection information indicating a type of charging method selected by the user and identification information unique to the user. Transmitting to the authentication server via a subscriber line, receiving purchase approval information from the authentication server for permitting purchase of goods and / or services,
Transmitting the received purchase approval information to the payment server device, wherein the authentication server device determines whether or not the user can purchase a product and / or service based on the identification information; Receiving the identification information and the billing method selection information from the communication terminal device via the subscriber line, and when the purchase permission / inhibition determining means permits the purchase of the goods and / or services, the purchase approval information Authentication server first communication means for transmitting the purchase approval information from the payment server device to the communication terminal device; determining means for determining whether the purchase approval information from the payment server device is correct; Is received, and when the purchase approval information is determined to be correct by the determination means, payment for goods and / or services is performed. An authentication server second communication unit that transmits a payment settlement permission notification to the effect that the payment is permitted to the settlement server device; And a billing means for billing the user by a billing method specified by the billing method selection information received by the payment server. The payment server device receives the purchase approval information from the communication terminal device. A communication unit, a payment server second communication unit that transmits the purchase approval information received by the payment server first communication unit to the authentication server device, and receives the payment settlement permission notification from the authentication server device; And a payment means for performing payment for the goods and / or services when the payment settlement permission notification is received. Electronic payment system. 2. The billing means of the authentication server device,
2. The electronic settlement system according to claim 1, wherein as one of the billing methods, a method of subtracting the settlement price from a prepaid deposit amount and performing billing is executed. 3. The billing means of the authentication server device,
2. The electronic payment method according to claim 1, wherein a method of performing charging by subtracting points corresponding to the payment price from accumulated points generated according to a past purchase price is executed as one of the charging methods. system. 4. The charging means of the authentication server device,
2. The electronic settlement system according to claim 1, wherein as one of the accounting methods, a method of adding the settlement price to a usage fee of the subscriber line and performing accounting is executed. 5. The authentication server device accesses a predetermined financial institution inquiry server device to inquire about a use situation of a financial service of the user who purchases the product and / or service, and inquires of the user. 2. The electronic payment system according to claim 1, wherein the electronic payment system determines whether the user can purchase the product and / or the service based on the use status of the service. 6. The electronic payment system according to claim 1, wherein the authentication server device and / or the payment server device invalidates the purchase approval information once used for payment. 7. The authentication server device accumulates a purchase price of the product and / or service for each user, and, if the cumulative amount of the purchase price exceeds a predetermined upper limit, the product and / or the service. The electronic payment system according to any one of claims 1 to 6, wherein purchase of a service is not permitted. 8. An electronic settlement method for settlement of goods and / or services purchased by a user of a communication terminal device via a telecommunication line, wherein the communication terminal device sends an authentication server device for authenticating the user. Transmitting the identification information of the user via a subscriber line; transmitting from the communication terminal device to the authentication server device charging method selection information indicating the charging method selected by the user; A step of determining whether or not the user can purchase a product and / or service based on the identification information in the authentication server device; To the communication terminal device; and a settlement server for settingtle the price of goods and / or services from the communication terminal device. Transmitting the purchase approval information to the device; transmitting the purchase approval information from the settlement server device to the authentication server device; and determining whether the purchase approval information is correct in the authentication server device. A step of transmitting, to the payment server device, a payment settlement permission notice for permitting the payment of the goods and / or services when the purchase approval information is determined to be correct; When the payment settlement permission notification is received at the step, the step of settingtle the price of the goods and / or services, and the step of setting the goods and / or
Or a step of charging the user for the service payment by the authentication server device by a charging method specified by the charging method selection information. 9. A purchase permission / inhibition determining means for determining whether or not a user of a communication terminal device can purchase a product and / or a service based on identification information of the user, and a subscriber line from the communication terminal device. Receiving the identification information of the user and the charging method selection information indicating the charging method selected by the user via a PC, and approving the purchase when the purchase / non-purchase determination means permits the purchase of the goods and / or services. Authentication server first communication means for transmitting information to the communication terminal device; and determining whether or not the purchase approval information from the payment server device for the user to pay for the goods and / or services is correct. Determining means for receiving the purchase approval information from the settlement server device, and determining that the purchase approval information is correct by the determining means. The authentication server second communication means for transmitting a payment settlement permission notification to the effect that the payment of the goods and / or services is permitted to the payment server device, and the charging method specified by the charging method selection information. Charging means for charging the user for the settlement price of the goods and / or services settled by the server device.