Electronic settlement method, electronic settlement system and its assistance device

Description: TECHNICAL FIELD [Detailed description of the invention]

【0001】

[Technical field to which the invention belongs]

The present invention relates to a payment method, a payment system, and an auxiliary device, and more particularly, to a payment method, a payment system, and an auxiliary device capable of executing payment at the time of delivery of goods by immediate payment.

【0002】

[Conventional technology]

In electronic commerce using the Internet, if you want to purchase goods, you can access the shopping site on the Internet using your personal computer, select the goods you want to buy, or bid off at the auction. Specify the item. The payment method used at this time is payment by credit card or transfer to a bank or post office. Such a method not only uses a computer to access a shop site on the Internet, but also makes it possible to carry out transactions using home appliances such as televisions that can connect to the Internet.

【0003】

When purchasing goods at the store, it is generally used to use a credit card as a payment method. In addition, there are increasing opportunities to use an immediate payment system called a debit card method as a payment method using a cash card of a bank or the like. The debit card method is a method of reading a cash card and performing payment processing on the spot when the balance of an individual's account is a balance that can be settled.

【0004】

In the debit card type instant payment system, a store or the like becomes a member store by contracting and subscribing to the instant payment system. When a user purchases an item, the cash card of a financial institution such as a bank with which the user is dealing is read into the store terminal of a member store. The store terminal reads necessary items, inquires, and executes payment on the spot if there is a balance that can be settled in the user's account. The user does not need to make a special contract with the instant payment system to use the instant payment system. At a member store of the instant payment system, the user can use the service of the instant payment system by inputting a personal identification number in addition to presenting a cash card.

【0005】

[Problems to be Solved by the Invention]

However, in the case of over-the-counter purchases or online purchases, when the purchased goods are delivered to a private home by means such as a courier service, the seller is worried whether the payment will be made reliably. is there. On the other hand, the buyer is also worried whether the requested item will be delivered. For the seller side, there is a problem that it is difficult for the seller to make an immediate cash income because the settlement time is delayed such as the next month or the month after the next month in the settlement using the credit card.

【0006】

To solve this problem, an immediate payment method that pays for goods at the same time is effective. In addition to credit cards, over-the-counter payment methods include the instant payment system described above. However, in the above-mentioned immediate payment system, it is necessary for the buyer to enter the PIN, and there is a risk that the PIN will be seen by a third party at the time of input. Even when making payments at a delivery destination using a mobile terminal for an instant payment system, there is a problem that there is a high risk of being seen by a third party because it is often outdoors such as at the front door.

【0007】

The present invention has been made in view of such a problem, and an object of the present invention is a highly secure commercial transaction in which a settlement can be executed at the time of delivery of a product by an immediate settlement, and a personal identification number is extremely rarely leaked. The purpose is to provide a payment method, a payment system, and an auxiliary device that enable the above.

【0008】

[Means for solving problems]

In order to achieve such an object, the invention according to claim 1 is a payment method in which an immediate payment is made using a card between a commercial transaction settlement device and a main device connected to a network. , A reading step for reading the data recorded on the card, a storage step for storing the authentication number included in the data, an input step for inputting payment information regarding payment, the data, the authentication number, and the payment. It is characterized by including a transmission step of transmitting information to the commercial transaction settlement device via the main device.

【0009】

The invention according to claim 2 is a reading means for reading data recorded on the card in a payment system for performing immediate payment using a card between a commercial transaction settlement device and a main device connected to a network. A storage means for storing the authentication number included in the data, an input means for inputting payment information related to payment, and a transmission means for transmitting the data, the authentication number, and the payment information to the main device. The main device is characterized in that the data, the authentication number, and the payment information are transmitted to the commercial transaction settlement device.

【0010】

The invention according to claim 3 is characterized in that the card according to claim 2 is a magnetic card or an IC card.

【0011】

The invention according to claim 4 is characterized in that the auxiliary device according to claim 2 or 3 is removable from the main device.

【0012】

The invention according to claim 5 is characterized in that the auxiliary device according to any one of claims 2, 3 or 4 is capable of two-way communication wirelessly with the main device.

【0013】

The invention according to claim 6 is characterized in that the auxiliary device according to any one of claims 2 to 5 includes a control means for remotely controlling the main device.

【0014】

The invention according to claim 7 is that the main device according to any one of claims 2 to 6 encrypts the data, the authentication number, and the payment information and transmits the data to the commercial transaction settlement device. It is characterized by doing.

【0015】

The invention according to claim 8 is a reading means for reading data recorded on the card in an auxiliary device for performing immediate payment using a card between a commercial transaction settlement device and a main device connected to a network. A storage means for storing the authentication number included in the data, an input means for inputting payment information related to the payment, the data, the authentication number, and the payment information in the commercial transaction settlement via the main device. It is characterized in that it is provided with a transmission means for transmitting to the device.

【0016】

The invention according to claim 9 is characterized in that the card according to claim 8 is a magnetic card or an IC card.

【0017】

The invention according to claim 10 is characterized in that, according to claim 8 or 9, a printing means for printing the data, the authentication number, and the payment information is provided.

【0018】

The invention according to claim 11 is characterized in that, in any one of claims 8, 9 or 10, a control means for remotely controlling the main device is provided.

【0019】

BEST MODE FOR CARRYING OUT THE INVENTION

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

【0020】

(First Example) FIG. 1 is an external view showing an example of a television that executes the payment method according to the present invention. The main device, the television 1, is a thin display device that is a 50-inch diagonal plasma display of the display screen. Further, it is a digital television capable of receiving digital broadcasting, and data processing such as images and sounds is performed by a built-in electronic circuit. Furthermore, it is connected to a telephone line in order to perform billing processing such as purchase of pay programs. The television 1 includes a remote control device 2 capable of performing basic operations of the television 1, and an auxiliary device 3 that can be attached to and detached from the television 1. The television 1 and the auxiliary device 3 are provided with electronic circuits for enabling mutual communication by short-range wireless communication. The electronic circuit includes a control unit and a storage unit, and performs data processing and communication processing.

【0021】

Since the television 1 can process digital data and can be connected to a telephone line, it can be connected to a network such as the Internet. Since TV 1 can be connected to the network, for example, it is possible to connect to a shopping site on the Internet and request the purchase of products, or to request the purchase of products from a TV shopping program and conduct electronic commerce. it can. Further, the television 1 is provided with an encryption processing circuit for performing encryption in transmitting and receiving data for performing electronic commerce.

【0022】

FIG. 2 is an external view showing an example of a remote control device provided in a television. The remote controller 2 has a cursor movement key 21 and a decision key 22 for the user to select the URL of the shopping site displayed on the screen.

【0023】

FIG. 3 is an external view showing an example of the auxiliary device according to the present invention. The auxiliary device 3 includes a magnetic card reading unit 31 that reads data on a magnetic card, a key group 32 that allows the user to input keys, a liquid crystal display unit 33, and an antenna 34 for wireless communication with the television 1. ing. Inside, a data storage unit (not shown) and an electronic circuit for control are built in.

【0024】

A method of conducting electronic commerce with such a configuration will be described. It is assumed that the shopping site on the Internet is a member store of the instant payment system and can make over-the-counter payments and payments via the Internet. The user's television 1 can receive digital broadcasts and can connect to the Internet. Suppose a commercial that the user is interested in is played during a digital broadcasting program. The URL, which is the Internet address, is displayed on the commercial screen. This URL is not only displayed as a part of the image of the television 1, but also broadcast and displayed in a data structure that can be recognized as a URL in an electronic circuit built in by digital processing. The user selects a URL on the screen of the television 1 by operating the cursor movement key 21 and the enter key 22 of the remote controller 2.

【0025】

FIG. 4 is a diagram showing an example of a screen when connected to a shopping site. When you select a URL on the screen of TV 1, TV 1 connects to the URL shopping site via the Internet. The screen is composed of a commercial screen 41 currently being viewed, a shopping site purchase screen 42, and a display screen 44 showing how to use the shopping site. The shopping site purchase screen 42 includes an image list 43 of products that can be purchased on the shopping site. The commercial screen that I had been watching so far was displayed in full size on the screen of TV 1, but as shown in FIG. 4, it is reduced to the commercial screen 41.

【0026】

The display method of the purchase screen 42 of the shopping site and the display screen 44 such as the usage method is not limited to the method shown in FIG. 4, but is a method of overlaying on the commercial screen or a method of displaying only the screen of the shopping site. and so on.

【0027】

The user selects the final product he / she wants to purchase at the connected shopping site. At this time, when the product is delivered to the user, the user connects to the shopping site, selects a method of immediate payment, and executes the order. A shopping site that receives an order using an instant payment method will automatically determine the transaction number for this item purchase. On this shopping site, you can check inventory, shipping costs, etc. by referring to the product management system. Order confirmation is performed by the shopping site by sending order confirmation data such as transaction number, product data, amount, scheduled shipping or delivery date, and URL used for settlement to the orderer. At the same time, the shopping site requests the product delivery department or related companies to ship the product. The user confirms this on the order confirmation screen, and the television 1 stores the order confirmation data including the transaction number and the like in the storage unit.

【0028】

Upon receiving the shipping request, the product delivery department prepares the product and attaches a delivery slip with a mark indicating that immediate payment is used and a transaction number to the product. The delivery slip is attached to, for example, a packing box of a product that can be confirmed from the outside and delivered. When the product is delivered to the user, the user makes an immediate payment on the spot.

【0029】

FIG. 5 is a diagram showing an example of a storage unit of an auxiliary device provided in a television. It is the figure which showed the state which the user removed the auxiliary device 3 from the television 1. The television 1 includes a detection switch 51 that detects the attachment / detachment of the auxiliary device 3. The television 1 detects that the auxiliary device 3 has been removed by the detection switch 51, and shifts to a state of wirelessly communicating with the auxiliary device 3.

【0030】

When the goods are delivered, the user prepares, for example, a cash card with a bank account to be used for payment. The user removes the auxiliary device 3 from the television 1 and inputs the data of the cash card, which is a magnetic card, from the magnetic card reading unit 31. Next, the personal identification number of the cash card is input using the key group 32 of the auxiliary device 3, and the personal identification number is stored in the auxiliary device 3.

【0031】

FIG. 6 is a diagram showing an example of the key layout of the auxiliary device according to the present invention. The auxiliary device 3 includes a number key 61, a temporary storage key 62, a call key 63, a decision key 64, and a mode switching key 65. The user removes the auxiliary device 3 from the television 1, inputs the personal identification number with the number keys 61, and presses the temporary storage key 62 to store the personal identification number in the auxiliary storage device 3. After performing the work of memorizing the PIN code indoors, receive the delivered product. At this time, the personal identification number itself is not displayed on the liquid crystal display unit 33 of the auxiliary device.

【0032】

FIG. 7 is a sequence diagram showing an example of the payment method according to the present invention. As described above, the user causes the auxiliary device 3 to read the magnetic card (S701) and store the personal identification number (S702) in advance. After confirming the delivered product, the user operates the mode switching key 65 of the auxiliary device 3 to enter the transaction number input mode. Enter the transaction number written on the delivery slip attached to the product into the auxiliary device 3 and press the enter key 64 (S703). At this time, the auxiliary device 3 transmits the transaction number input to the television 1. The television 1 receives the transaction number from the auxiliary device 3 and compares it with the transaction number of the order confirmation data stored when the user places an order (S704). If both transaction numbers match, the URL of the site used by the shopping site included in the order confirmation data for payment is extracted. When the TV 1 connects to the site used for payment, it sends the transaction number. At this time, the TV 1 displays the screen of the site used for payment, but it can be set to hide it.

【0033】

The site used by the shopping site for payment receives the transmitted transaction number and caller address, and makes the commercial transaction payment device accessible from the television 1. The payment site sends the payment start OK data to the user's TV 1, and the TV 1 that receives the payment start OK data updates the display screen and wirelessly sends a payment input start OK signal to the auxiliary device 3. Send. During this time, a message such as "Connecting" or "Please wait" is displayed on the liquid crystal display 33 of the auxiliary device 3.

【0034】

When the signal of payment input start OK is received from the television 1, the auxiliary device 3 updates the message displayed on the liquid crystal display 33 to "Please enter the amount" or the like and waits for input. When an amount is input to the auxiliary device 3 (S705), the auxiliary device 3 transmits this amount to the television 1. The television 1 compares the input amount with the order confirmation data (S706), and transmits the confirmation result to the auxiliary device 3. The auxiliary device 3 displays a message such as "Please read the card" if they match, or "The amount is different. Please try again." If they do not match, on the liquid crystal display 33.

【0035】

The auxiliary device 3 reads the magnetically recorded data of the cash card by the user passing the cash card through the magnetic card reading unit 31 (S707). When the magnetic recording data is successfully read, the auxiliary device 3 updates the display of the liquid crystal display unit 33 to "Enter the password" and waits for the password input. As described above, the personal identification number is stored in the storage unit of the auxiliary device 3 in advance, so that the user can input the personal identification number by pressing the call key 63 of the auxiliary device 3 (S708).

【0036】

When the user presses the enter key 64, the auxiliary device 3 transmits the payment data necessary for payment such as the input amount and the password to the television 1. The television 1 encrypts the payment data transmitted from the auxiliary device 3 with an encryption processing circuit and transmits the payment data to the payment site via the Internet.

【0037】

The payment site deciphers the received encrypted payment data and exchanges data with an accessible commercial transaction payment device to deduct the payment amount from the account specified by the user and execute payment. (S709). When the payment is completed, the payment site sends a termination signal to the user's television 1.

【0038】

The television 1 receives the end signal and transmits a completion signal to the auxiliary device 3 to the effect that the payment has been completed. When the auxiliary device 3 receives the completion signal, the auxiliary device 3 updates the display content of the liquid crystal display unit 33 with a message such as "successfully completed" and erases the password stored in the auxiliary device 3.

【0039】

For example, by showing the display content of the liquid crystal display unit 33 to the delivery person who delivered the product, it is possible to notify that the payment has been completed. In addition, the television 1 can record transaction records.

【0040】

According to this embodiment, the risk of the PIN being known is extremely low, and it is possible to realize electronic commerce using a television, which is a familiar home appliance, with the worry of safe, non-payment, and non-delivery.

【0041】

In this embodiment, the auxiliary device 3 provided with a card reader for reading a magnetic recording cash card is used, but the auxiliary device 3 provided with a card reader for reading an IC card may be used. Further, the auxiliary device 3 may be provided with a reading device compatible with both magnetic and IC cards.

【0042】

Further, in this embodiment, the network is connected via the telephone line, but the present invention is not limited to the telephone line. It can also be applied not only to the TV itself but also to a set-top box that controls the TV.

【0043】

(Second Example) FIG. 8 is an external view showing an example of an auxiliary device incorporating the printer according to the present invention. In the second embodiment, the printer is incorporated in the auxiliary device 3 of the first embodiment. The television 1 which is the main device is the same as that of the first embodiment, and the description thereof will be omitted. The auxiliary device 70 includes a number key 72 for inputting a password, a temporary storage key 73 for storing the password in the storage unit, a call key 74 for calling the password from the storage unit, and a decision key 75 for confirming the input. , A mode switching key 76 for switching modes and a printing key 77 for printing transaction records are provided.

【0044】

The auxiliary device 70 incorporates a small inkjet monochrome printer and a printer control circuit, and is provided with a slit 71 through which printing paper passes. It also has a wire groove 78 for attaching printing paper. The printing paper is inserted from the side where the input key is provided, printed, and discharged to the back side. The back surface of the auxiliary device 70 also has a slit, and the slit on the back surface is provided with saw-shaped teeth for cutting printing paper.

【0045】

FIG. 9 is a diagram showing an example of printing paper used in the auxiliary device incorporating the printer according to the present invention. As the printing paper, strip paper or roll paper 80 is used. The roll paper 80 holds the roll paper by sandwiching one end of the two wires 81 into the wire groove 78 of the auxiliary device 70 and inserting the other end into the hollow cylindrical portion of the roll paper.

【0046】

The purpose of printing is to print the transaction record after the immediate settlement described in the first embodiment. Therefore, the print content is standard, and only the data necessary for printing is extracted from the transaction records transmitted from the television 1 to the auxiliary device, and the data is printed according to the print format that the control electronic circuit has in advance. Perform inset printing. No special data conversion is performed.

【0047】

Printing can be performed by pressing the print key 78 of the auxiliary device 70 after the transaction is completed, cutting the paper with the teeth for cutting the printing paper and handing it to the delivery person described in the first embodiment. You can also.

【0048】

(Third Example) FIG. 10 is an external view showing an example of a remote control device according to the present invention provided with a card reading device. The remote control device 90 includes a slit 91 for inserting an IC card 100, a liquid crystal display unit 92 for displaying simple guides and messages, and an infrared light emitting unit 93 for remotely controlling a television. As keys for input, a temporary storage key 94, a call key 95, a decision key 96, and a mode switching key 97 are provided. It also has a lid opening / closing detection switch 98 that detects the opening / closing of the lid.

【0049】

In this embodiment, the IC card 100 is a cash card issued by a financial institution for immediate settlement. The IC card 100 has a terminal portion 101 that exchanges data with the remote control device 90 when the IC card is inserted into the reading device.

【0050】

The remote control device 90 is an auxiliary device for remotely controlling the television 1 described in the first embodiment, which is the main device. When the TV 1 is remotely controlled by the remote control device 90, the TV 1 is remotely controlled by the infrared light emitted from the infrared light emitting unit 93. Further, the remote controller device 90 is provided with a wireless control circuit and a small antenna inside in order to perform short-range wireless communication.

【0051】

A part of the part where the key for input is arranged has a lid structure and is configured to be openable and closable. Inside, there is an input key for the above-mentioned payment. When entering numbers, use the numeric keypad for channel switching on TV 1. The lid opening / closing detection switch 98 detects the opening / closing of the lid, and when the lid is opened, the input key can be operated and the payment can be performed. When the lid opening / closing detection switch 98 detects the opening of the lid and performs an operation related to payment, communication with the television 1 is performed by short-range wireless communication instead of infrared communication. In this way, the function shown in the first embodiment can be realized, and if a printer is provided, the function shown in the second embodiment can be realized.

【0052】

According to this embodiment, commercial transactions using a television are possible, payment processing can be performed at a location away from the television, and the personal identification number is stored in the storage unit of the auxiliary device so that another person can obtain the personal identification number. It is possible to realize highly secure commercial transactions with extremely little leakage. In addition, since the payment is executed at the time of delivery of the product by immediate payment, there is an effect that there is no concern about non-payment or non-delivery of the product.

【0053】

[Effect of the invention]

As described above, according to the present invention, the reading step of reading the data recorded on the card, the storage step of storing the authentication number included in the data, the input step of inputting the payment information related to the payment, and the data Since it is equipped with a transmission step of transmitting the authentication number and the payment information to the commercial transaction settlement device via the main device, it is possible to execute the settlement at the time of delivery of the product by immediate settlement, and the password is extremely rarely leaked. , Highly secure commercial transactions are possible.

[Simple explanation of drawings]

[Figure 1]

It is an external view which shows an example of the television which executes the payment method which concerns on this invention.

[Figure 2]

It is an external view which shows an example of the remote control device provided in a television.

[Fig. 3]

It is an external view which shows an example of the auxiliary device which concerns on this invention.

[Fig. 4]

It is a figure which shows an example of the screen at the time of connecting to a shopping site.

[Fig. 5]

It is a figure which shows an example of the storage part of the auxiliary device provided in a television.

[Fig. 6]

It is a figure which shows an example of the key layout of the auxiliary device which concerns on this invention.

[Fig. 7]

It is a sequence diagram which shows an example of the payment method which concerns on this invention.

[Fig. 8]

It is external drawing which shows an example of the auxiliary device which incorporated the printer which concerns on this invention.

[Fig. 9]

It is a figure which shows an example of the printing paper used in the auxiliary device which incorporated the printer which concerns on this invention.

[Fig. 10]

It is an external view which shows an example of the remote control device which concerns on this invention which provided the card reading device.

[Explanation of symbols]

1 TV 2 Remote control device 3 Auxiliary device 21 Cursor movement key 22,64,75,96 Enter key 31 Magnetic card reader 32 key group 33,92 Liquid crystal display 34 antenna 41 Commercial screen 42 Shopping site purchase screen 43 Image list of available products 44 Display screen such as how to use the shopping site 51 Detection switch 61,72 numeric keys 62,73,94 Temporary storage key 63,74,95 Call key 65,76,97 mode switching key 70 Auxiliary device 71 slit 77 print key 78 wire groove 80 roll paper 81 wire 90 remote control device 91 slit 93 Infrared light emitting part 98 Lid open / close detection switch 100 IC card 101 terminal part