JP2004062771A - Settlement system using account of internet bank - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a settlement system using an account of an Internet bank for settling a transaction price without carrying about cash. <P>SOLUTION: This settlement system is composed of an Internet bank device 20 having an account database 28 for storing ID, a password, a cellular phone number and an account number of an account opener, a ledger database 29 for storing receipt-payment of respective accounts, an authentication processing part 24 for generating settlement authentication data including the account number on the basis of information on the account database by the ID, the password and a settlement authentication data issue request signal transmitted from a cellular phone 40 and a transmission-reception processing part 22 for transmitting the settlement authentication data to the cellular phone and a store terminal (POS) 30 for reading the settlement authentication data received by the cellular phone 40. The settlement authentication data received by the cellular phone 40 is read by the store terminal (POS), and is transmitted to the Internet bank device 20. The Internet bank device subtracts a settlement amount from the account specified by the settlement authentication data. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a settlement system using an account of an Internet bank, and in particular, when an account holder having an account in the Internet bank makes a settlement using the account, the account holder requests the Internet bank to issue settlement authentication data, and has The present invention relates to a payment system using an account of an Internet bank, which receives the payment authentication data by a mobile phone, reads the data by a terminal such as a store POS, and performs payment.
[0002]
[Prior art]
2. Description of the Related Art Conventionally, various methods have been used for settlement of consideration for goods and services, such as a method using cash or a check, a method using a bill, a method using a bank transfer, a method using a credit card, and a method using a debit card. In order to pay by credit card or debit card, the consumer must have an account at the bank and make a contract between the card company and / or the bank and the account holder to agree to direct debit. Is required.
[0003]
In addition, in order to facilitate payment by consumers, a store such as a convenience store (convenience store) is used as an intermediary for payment, and sales companies and service providers issue payment slips exclusively for convenience stores to consumers. A payment method is also used in which the payment slip is brought to a convenience store, the payment slip is read by a POS terminal, and the amount described on the slip is paid to the convenience store.
[0004]
In addition, various systems for purchasing and paying for goods by using a mobile phone have been tried, and a method of performing payment by adding the product price to a telephone charge for a mobile phone subscriber is used, and electronic money is used as a substitute for cash. Alternatively, a technology for making payment using an electronic wallet has been proposed.
[0005]
According to the payment method using electronic money, the consumer transfers a required amount from an account of a bank or the like in advance as an amount that can be settled on an IC card, and inserts the IC card into a settlement terminal at a store for each transaction, The settlement is completed by transferring the settlement amount (price) to the receiving side (store side) IC card and changing the balance of the consumer side IC card, and the store side transfers the balance of the receiving side IC card to the bank. Deposit in your own account. According to such a settlement method, the trouble of carrying cash is eliminated, but there is a side in which facilities such as a terminal for reading and writing an IC card are required.
[0006]
On the other hand, trading methods have recently been diversified, and in particular, electronic commerce in which a seller or an intermediary trades with a consumer via the Internet has become a large part of the market. In addition, the types of banks are also diversifying, and an Internet bank called a so-called E-bank or the like, in which a customer deposits and deposits through the Internet, has been established and services have been started. Internet banks, in particular, have the following advantages over financial institutions such as city banks and shinkin banks: capital expenditures and labor costs are overwhelmingly small, deposit rates are high, and fees for various services are low. Is a promising settlement account.
[0007]
Generally, a credit card is used for settlement of consideration in Internet transactions and the like. For this reason, the consumer needs to notify the seller of the credit card number, but there is a risk that the data is stolen when the credit card number is sent to the seller through the Internet, resulting in misuse. In order to improve this, measures such as encrypting the data to be transmitted have been taken when communicating personal information such as credit card numbers, but it can also completely prevent leakage of personal data. The reality is that there is no guarantee.
[0008]
In addition, if the seller sees the payment method using a credit card, there is a risk that the payment may not be possible due to a shortage of the balance of the credit card payment account after the product is shipped. You may be involved in an unusual case. Conversely, from the consumer's point of view, there is a risk that a merchant may be involved in a fraudulent case of a malicious seller, for example, the product is not sent despite the approval of the settlement.
[0009]
Therefore, consumers need to judge by themselves whether or not they are reliable dealers, and sellers need to take measures such as conducting business with some assumption that settlement will not be possible, This is a factor that hinders transactions using the Internet and the spread of Internet banks.
[0010]
To solve this, for example, a settlement method disclosed in Japanese Patent Application Laid-Open No. 2001-202429 has been proposed. In this settlement method, a settlement shop and a third-party organization are interposed between the mail-order sales company and the consumer mobile phone contractor, and the sales company has an account with the third-party organization, When the contractor purchases the product, the mobile phone contractor's ID, product price, payment method, etc. are sent to a third party as a barcode, and the third party transmits the barcode to the mobile phone contract. To your mobile phone. The mobile phone contractor receives the barcode sent from the third party on the mobile phone, goes to the payment shop, reads the barcode received by the mobile phone with the POS terminal, and pays the price, The settlement store performs remittance processing from the read barcode to a third party, the third party notifies the sales company of the payment, and transfers the account to the sales company after the set product shipping period. Things.
[0011]
According to such a settlement method, the sales company can send out the goods after confirming that the payment has been made to the third party, and the consumer, that is, the mobile phone contractor can use the payment method when the goods are not sent within a predetermined period. It is possible to instruct the three-party organization to cancel the transfer of money to the sales company, which enables safe business transactions for both consumers and sales companies.
[0012]
[Problems to be solved by the invention]
However, in the above-mentioned settlement method, the consumer goes to the settlement store and settles in cash, and does not settle by transferring from the account held by the consumer to the account of the seller. However, there is a problem that the payment is troublesome for the consumer, that is, the payment cannot be made without cash.
[0013]
Accordingly, an object of the present invention is to solve the above-described problems, and to provide an Internet bank that can perform settlement without having cash and that can secure security even if information necessary for settlement is communicated via the Internet or the like. An object is to provide a settlement system using an account.
[0014]
[Means for Solving the Problems]
In order to achieve the above object, a first aspect of a payment system using an account of an Internet bank according to the present invention includes:
An account database that stores at least the account holder, user ID, password, mobile phone number, and account number; a ledger database that stores deposits and withdrawals of each account; and an ID, password, and payment authentication data issuance request sent from the mobile phone An Internet bank device having an authentication processing unit for generating payment authentication data including the corresponding account number based on the information in the account database, and a transmission / reception processing unit for transmitting the payment authentication data to a mobile phone;
A store terminal that reads the payment authentication data received by the mobile phone,
The payment authentication data received by the mobile phone is read by a store terminal and transmitted to the Internet bank device, and the Internet bank device debits the payment amount from the account specified by the received payment authentication data. And
[0015]
Further, the settlement amount to be deducted from the account specified by the settlement authentication data is transmitted from the store terminal, and the deposit account of the settlement amount is transmitted from the store terminal or associated with the store terminal by the Internet bank device. Preferably, it is specified.
[0016]
According to this aspect, the consumer purchases the product at the store without carrying cash, obtains the payment authentication data by connecting to the Internet bank from a mobile phone in advance or on the spot, and obtains the payment authentication data. , The payment authentication data can be read and payment can be made.
[0017]
The payment authentication data is data representing at least an account number associated with the mobile phone owner by a bar code, and further includes an issue date of the payment authentication data and / or an expiration date based on the issue date. Is preferred.
[0018]
According to this aspect, even if the payment authentication data leaks to the third party during the communication process of transmitting the payment authentication data to the mobile phone, the authentication data is only meaningless for the third party and is misused. The fear of losing is eliminated.
[0019]
A second aspect of the present invention provides:
An account database that stores at least the account holder, user ID, password, mobile phone number, and account number; a ledger database that stores deposits and withdrawals of each account; and an ID, password, and payment authentication data issuance request sent from the mobile phone An Internet bank device having an authentication processing unit for generating payment authentication data including the corresponding account number based on the information in the account database, and a transmission / reception processing unit for transmitting the payment authentication data to a mobile phone;
A mobile payment terminal configured to be connectable to the Internet via a wireless LAN and reading the payment authentication data received by a mobile phone;
The payment authentication data received by the mobile phone is read by the mobile payment terminal and transmitted to the Internet bank device, and the Internet bank device debits the payment amount from the account specified by the received payment authentication data. Features.
[0020]
Further, the payment amount to be deducted from the account specified by the payment authentication data is transmitted from the mobile payment terminal, and the deposit account of the payment amount is transmitted from the mobile payment terminal or associated with the mobile payment terminal. Preferably, it is specified by the Internet bank device.
[0021]
According to this aspect, the consumer can pay for the purchase of goods and the provision of services in places other than the fixed store, for example, the taxi fare from the Internet bank account without using cash.
[0022]
Further, the payment authentication data is data in which at least an account number associated with the mobile phone owner is represented by a barcode, and further, the payment authentication data is an issue date of the payment authentication data and / or an issue date. Preferably, it includes an expiration date based on.
[0023]
According to this aspect, even if the payment authentication data leaks to the third party during the communication process of transmitting the payment authentication data to the mobile phone, the authentication data is only meaningless for the third party and is misused. The fear of losing is eliminated.
[0024]
Further, a third aspect of the present invention provides
An account database that stores at least the account holder, user ID, password, mobile phone number, and account number, a ledger database that stores deposits and withdrawals for each account, and an ID, password, payment amount, and payment destination sent from the mobile phone Information and a payment authentication data issuance request signal, an authentication processing unit that generates payment authentication data including a corresponding account number, a payment amount, and a payment destination account number based on the information in the account database, and transmits the payment authentication data to a mobile phone. An Internet bank device having a transmission / reception processing unit for transmitting;
A payment intermediary store terminal that reads the payment authentication data received by the mobile phone,
The payment authentication data received by the mobile phone is read by the payment intermediary store terminal and transmitted to the Internet bank device, and the Internet bank device debits the payment amount from the account specified by the received payment authentication data. It is characterized by.
[0025]
According to this aspect, the consumer can settle the price of goods and services purchased through mail-order sales or the Internet at the settlement intermediary store without using cash using an account of the Internet bank.
[0026]
Hereinafter, a payment system using an account of an Internet bank according to the present invention will be described in detail with reference to the accompanying drawings.
[0027]
BEST MODE FOR CARRYING OUT THE INVENTION
FIG. 1 is a diagram showing a configuration of a settlement system using an account of an Internet bank according to the present invention. The settlement system 10 using an account of an Internet bank includes an Internet bank device 20 (hereinafter simply referred to as an Internet bank), a store terminal 30 such as a POS in a store of a dealer (hereinafter simply referred to as a store POS), and an Internet bank 20. And a consumer mobile phone 40 having an account at
[0028]
There is a contract between the consumer having the mobile phone 40 and the Internet bank 20 for applying the settlement method according to the present invention using the account of the consumer, and the seller having the store POS 30 also has an Internet connection. In the settlement of a consumer who has an account in the bank 20 and applies the settlement method according to the present invention, there is a contract that applies settlement by account transfer from the account of the consumer to an account of a seller. And
[0029]
The Internet bank 20 includes a transmission / reception processing unit 22 that transmits and receives data to and from the mobile phone 40 or the store POS 30, an authentication processing unit 24 that performs authentication for a request for payment authentication data from the mobile phone 40, an arithmetic processing unit 26, and an account management unit. It has an account database 28 and a ledger database 29 for recording account deposits and withdrawals, and is connected to the mobile phone 40 and the store POS 30 via the Internet network 12. This Internet bank 20 may be a website configured by a computer system.
[0030]
As shown in FIG. 2, the account database 28 includes an account holder, an account number, an account type such as an ordinary deposit or a checking account, a user ID and a password registered by the account holder, and a contract between the account holder and the communication carrier. This is a database that stores the mobile phone numbers and the like held by the mobile phone and is used for account management and settlement authentication processing described later.
[0031]
As shown in FIG. 3, the ledger database 29 is a ledger for deposits and withdrawals for each account, and stores an account number, a deposit balance, a deposit amount, a payment amount, a date of occurrence of a deposit or payment event, remarks, and the like. You.
[0032]
The store POS 30 includes a transmission / reception processing unit 32 for transmitting and receiving data to and from the Internet bank 20, a reading unit 34 for reading a barcode, a display unit 36, and an operation unit 38 for performing keyboard input and the like.
[0033]
The procedure of the payment will be described by taking as an example a case where a consumer having the mobile phone 40 uses the account of the Internet bank 20 as a payment account to purchase and pay for goods at a store having the store POS 30. FIG. 4 is a flowchart showing the procedure of the settlement process in this case.
[0034]
When the consumer having the mobile phone 40 intends to make a transaction with the settlement method according to the present invention by using his or her account held in the Internet bank 20 as a settlement account, first, in step 101, the consumer registered in the Internet bank 20 The mobile phone 40 is connected to the Internet bank 20 (web site) by i-mode (registered trademark) or the like, and the user ID and password are transmitted in step 102 to request issuance of authentication data for settlement. The issuance request for the payment authentication data can be made by setting a signal input from a specific command or a specific key as a payment authentication data issuance request signal.
[0035]
When the Internet bank 20 receives the user ID, password, and payment authentication data issuance request signal, the authentication processing unit 24 refers to the information in the account database 28, performs identity authentication, and displays the account number of the consumer's payment account as a bar code. Is generated and transmitted to the mobile phone 40 in step 103. The barcode, which is the settlement authentication data, can be configured to include the account number, the date and time of issuance, and the validity period, and can be transmitted and received after being encrypted by a general encryption method.
[0036]
When the mobile phone 40 receives the barcode, which is the settlement authentication data, and purchases a product at the store having the store POS30, the barcode is displayed on the display unit of the mobile phone 40 in step 104, and the store POS30 is read in step 105. This bar code is read in the unit 34, the store POS 30 transmits the read payment authentication data to the Internet bank 20, and then in step 106, the store POS 30 uses the operation unit 38 to set the amount (the price of the product purchased by the consumer, The user inputs the amount of the account transfer) and the deposit account number, and transmits them to the Internet bank 20.
[0037]
At this time, if the correspondence between the deposit account and the store POS can be compared by the Internet bank 20 by connecting the store POS 30 and the Internet bank 20 via a private Internet network, it is not necessary to input the deposit account.
[0038]
Next, in step 107, the Internet bank 20 performs a transfer process from the settlement account to the deposit account based on the settlement account barcode and the payment data received from the store POS 30, and in step 108, the payment settlement process to the store POS 30 is completed. Notify that.
[0039]
FIG. 5 is a diagram showing another embodiment of the settlement system using the account of the Internet bank according to the present invention. The configuration of FIG. 5 is different in that a mobile payment terminal (mobile payment terminal) 30 ′ is used instead of the store POS 30 in FIG. The configuration of the mobile payment terminal 30 'is the same as the configuration of the store POS 30, but the connection between the mobile payment terminal 30' and the Internet network 12 is connected via a communication adapter 31 called a hot spot (registered trademark). The connection between the hot spot (communication adapter) 31 and the mobile payment terminal 30 'is made by a wireless LAN.
[0040]
According to such a mode, for example, if the taxi driver carries the mobile payment terminal 30 ', the passenger can settle the taxi fare from the payment account of the Internet bank. The settlement procedure in this case is the same as the settlement procedure in the store POS 30 described in FIG. At present, it is possible to always connect to the Internet network at low cost by using ADSL, etc., so the installation location of the hot spot 31 is expanding, and if the location where the mobile payment terminal can be used is expanded, A payment system using such a mobile payment terminal is also practical.
[0041]
FIG. 6 is a diagram showing a configuration of a settlement system using an account of the Internet bank 20 according to still another embodiment of the present invention. In the present embodiment, the owner of the mobile phone 40 purchases or receives a product from the mail-order company T or a service provider, etc., and setstle the payment from a store POS 30 ″ of a store such as a convenience store that performs settlement mediation. Settlement.
[0042]
FIG. 7 is a flowchart showing the settlement procedure in this case. In step 201, the consumer having the mobile phone 40 purchases a product for a price of Y yen from the mail order company T. The means for this purchase procedure may be a general means such as the Internet, a telephone or the like.
[0043]
When the consumer makes a payment from his / her own account held in the Internet bank 20 as a payment method, the consumer uses his / her mobile phone 40 registered in the Internet bank 20 in i-mode (registered trademark) in step 202. (Web site), and in step 203, transmits a user ID, a password, information such as a mail order company T, a payment amount Y, and the like, and issues a request for issuing authentication data for payment. Send
[0044]
When the Internet bank 20 receives this request, the authentication processing unit 24 refers to the information in the account database 28 to authenticate the user, and the account number of the consumer's settlement account, the deposit account of the sales company T, the settlement price, etc. Is generated as a barcode and transmitted to the mobile phone 40 in step 204. The barcode, which is the settlement authentication data, can be configured to include the account number, the date and time of issuance, and the validity period, and can be transmitted and received after being encrypted by a general encryption method.
[0045]
The mobile phone 40 receives the barcode, which is the settlement authentication data, and goes to a store (including a payment intermediary store POS 30), such as a convenience store, which performs settlement intermediation. At step 205, the barcode is displayed on the display of the mobile phone 40. In step 206, the barcode is read by the reading unit 34 of the payment intermediary store POS 30 ″ at step 206, and the payment intermediary store POS 30 ″ transmits the read payment authentication data to the Internet bank 20.
[0046]
Next, in step 207, the Internet bank 20 performs a transfer process from the settlement account to the deposit account based on the settlement account barcode and the payment data received from the settlement intermediary store POS 30 ", and in step 208, transfers the payment to the settlement intermediary store POS 30". That the settlement process has been completed.
[0047]
【The invention's effect】
As described above in detail, according to the first aspect of the payment system using the account of the Internet bank according to the present invention, the consumer purchases the product at the store without carrying cash, and in advance, or On the spot, the mobile phone connects to the Internet bank, obtains the payment authentication data, and the payment authentication data can be read and settled at the store terminal (POS), and the payment authentication data is transmitted to the mobile phone. Even if the payment authentication data leaks to a third party during the communication process, the authentication data is only meaningless for the third party and there is no risk of misuse.
[0048]
According to the second aspect of the present invention, it is possible for a consumer to pay for a purchase of a product or a service provided in a store other than a fixed store, for example, a taxi fare from an Internet bank account without using cash. Also, even if the payment authentication data leaks to a third party during the communication process of transmitting the payment authentication data to the mobile phone, the authentication data is only meaningless for the third party and is abused. No fear.
[0049]
Further, according to the third aspect of the present invention, the consumer can settle the price of goods and services purchased through mail-order sales or the Internet at the settlement intermediary store without using cash using an account of the Internet bank. become able to.
[Brief description of the drawings]
FIG. 1 is a diagram showing a configuration of a payment system using an account of an Internet bank according to an embodiment of the present invention.
FIG. 2 is a diagram showing a configuration of an account database in an Internet bank.
FIG. 3 is a diagram showing a configuration of a ledger database in an Internet bank.
FIG. 4 is a flowchart showing a settlement procedure according to the embodiment of the present invention.
FIG. 5 is a diagram showing a configuration of a payment system using an account of an Internet bank according to another embodiment of the present invention.
FIG. 6 is a diagram showing a configuration of a settlement system using an account of an Internet bank according to still another embodiment of the present invention.
FIG. 7 is a flowchart showing a settlement procedure in the system of FIG. 6;
[Explanation of symbols]
10 Payment System 12 Using Internet Bank Account Internet Network 20 Internet Bank Device 22 Transmission / Reception Processing Unit 24 Authentication Processing Unit 26 Operation Processing Unit 28 Account Database (Account DB)
29 Ledger database (ledger DB)
30 ... Store terminal (store POS)
30 ': Mobile payment terminal 30 ": Payment intermediary store terminal (payment intermediation store POS)
31 communication adapter 32 transmission / reception processing unit 34 reading unit 36 display unit 38 operation unit 40 mobile phone

Claims (9)

An account database that stores at least the account holder, user ID, password, mobile phone number, and account number; a ledger database that stores deposits and withdrawals of each account; and an ID, password, and payment authentication data issuance request sent from the mobile phone An authentication processing unit that generates a payment authentication data including the corresponding account number based on the information of the account database by a signal, and an Internet bank device that includes a transmission and reception processing unit that transmits the payment authentication data to a mobile phone;
A store terminal that reads the payment authentication data received by the mobile phone,
The payment authentication data received by the mobile phone is read by a store terminal and transmitted to the Internet bank device, and the Internet bank device debits the payment amount from the account specified by the received payment authentication data. Payment system using an account of an Internet bank. The settlement amount to be debited from the account specified by the settlement authentication data is transmitted from the store terminal, and the deposit account of the settlement amount is transmitted from the store terminal or associated with the store terminal by the Internet bank device. The settlement system using an account of the Internet bank according to claim 1, wherein the settlement is performed. The settlement system using an account of the Internet bank according to claim 1 or 2, wherein the settlement authentication data is data representing at least an account number associated with a mobile phone owner by a barcode. The settlement system using an account of the Internet bank according to claim 3, wherein the settlement authentication data further includes an issue date of the settlement authentication data and / or an expiration date based on the issue date. An account database that stores at least the account holder, user ID, password, mobile phone number, and account number; a ledger database that stores deposits and withdrawals of each account; and an ID, password, and payment authentication data issuance request sent from the mobile phone An authentication processing unit that generates a payment authentication data including the corresponding account number based on the information of the account database by a signal, and an Internet bank device that includes a transmission and reception processing unit that transmits the payment authentication data to a mobile phone;
A mobile payment terminal configured to be connectable to an Internet network via a wireless LAN and reading the payment authentication data received by a mobile phone;
The payment authentication data received by the mobile phone is read by the mobile payment terminal and transmitted to the Internet bank device, and the Internet bank device debits the payment amount from the account specified by the received payment authentication data. A settlement system using an Internet bank account. The payment amount to be debited from the account specified by the payment authentication data is transmitted from the mobile payment terminal, and the deposit account for the payment amount is transmitted from the mobile payment terminal or associated with the mobile payment terminal. 6. The settlement system using an account of an Internet bank according to claim 5, wherein the settlement is performed by a bank device. The settlement system using an account of the Internet bank according to claim 5 or 6, wherein the settlement authentication data is data representing at least an account number associated with a mobile phone owner by a barcode. The settlement system using an account of the Internet bank according to claim 7, wherein the settlement authentication data further includes an issue date of the settlement authentication data and / or an expiration date based on the issue date. An account database that stores at least the account holder, user ID, password, mobile phone number, and account number, a ledger database that stores deposits and withdrawals for each account, and an ID, password, payment amount, and payment destination sent from the mobile phone Information and a payment authentication data issuance request signal, an authentication processing unit that generates payment authentication data including a corresponding account number, a payment amount, and a payment destination account number based on the information in the account database, and transmits the payment authentication data to a mobile phone. An Internet bank device having a transmission / reception processing unit for transmitting;
A payment intermediary store terminal that reads the payment authentication data received by the mobile phone,
The payment authentication data received by the mobile phone is read by the payment intermediary store terminal and transmitted to the Internet bank device, and the Internet bank device debits the payment amount from the account specified by the received payment authentication data. A payment system using an Internet bank account.

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