JP4616448B2 - Electronic payment system and electronic payment method using the same - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention securely and quickly authenticates a commercial transaction on the Internet by securely authenticating the person in the case of EC (Electric Commerce) and electronic payment, and performing highly reliable authentication.
[0002]
[Prior art]
Payments were made with cash, credit cards, and bank cards, but there were many unfortunate accidents, making it unsuitable for the IT era.
[0003]
Since the history of past transactions is not clearly left, it was difficult to solve when trouble occurred.
[0004]
[Problems to be solved by the invention]
Get the goods and business information you need from the terminal device without having to carry cash, and make payments. Settlement activities quickly in the IT (Information Technology) era to help the economy recover.
[0005]
Looking at the example of stock trading, customers go to securities firms and banks to make payments, and the impossibility rate is not conspicuous.
[0006]
Carrying large amounts of cash is dangerous. In addition, in the processing after the trouble occurred after settlement, it was unclear and it was difficult to make a clear solution.
[0007]
[Means for Solving the Problems]
A business center that introduces products and businesses on the Internet, an authentication agent for surely authenticating the user, a settlement center and Internet bank for making payments, and an EC site will be established.
[0008]
When a customer clicks on a product or business from the terminal, an email is automatically sent to the authentication agent to authenticate the person. When the personal authentication is obtained, a payment virtual URL (Uniform Resource Location) is transmitted from the payment center to the customer terminal.
[0009]
DETAILED DESCRIPTION OF THE INVENTION
Third generation Internet mobile communications have emerged with infinite possibilities. The keyword for this new generation is the digital mobile internet. All the advanced technologies and easy-to-use applications are concentrated in this keyword element.
[0010]
At present and in the near future, most of personal communication, such as telephone calls, image data, and real-time video, has been performed wirelessly.
Third-generation mobile communication technology has become a great business opportunity for network operators (such as NTT Docomo), content providers, and people who are trying to enter the communication market.
[0011]
Network operators can provide lines to third-party service providers and content providers to support new services, or they can become new content providers and service developers to develop new services.
[0012]
Various development opportunities are also created for content providers. An entirely new distribution channel is waiting to provide new products and services with high added value. Indeed, the IT (Information Technology) revolution is not only technology, but also the revolution of applications and distribution.
[0013]
The economy does not recover easily. In Japan, bankruptcy and unemployment has become an everyday occurrence, and the people are really hard.
[0014]
There is nothing but an IT revolution to break down the bad environment. At the heart of this is the mobile Internet. WAP (Wireless Application Protocol) is a standard protocol at the core of this technology.
[0015]
WAP is a protocol that enables Internet communication using a mobile terminal device for WWW (World Wide Web). Free access to Internet-based services.
[0016]
For distribution companies and content providers, portable information devices become an unparalleled information channel.
Already there are 40 million mobile phone and mobile information device users in Japan and 400 million in the world.
[0017]
Mobile phones and portable information devices are small and light, and they can be carried in pockets or bags, making them an indispensable item for information platforms.
Everyone can now carry it along with their wallets and commuter passes.
[0018]
Although it is highly convenient as a tool for distribution services, if cash can be settled in the same way as a wallet, the usability will be improved and it will become more popular.
[0019]
In reality, there are debit cards that can use credit cards and bank cards as they are instead of cash. However, there are many accidents that are dropped or stolen and misused by others.
[0020]
With the spread of the Internet, an online business called e-business becomes active, and safe and highly reliable payment of EC (Electric Commerce) is desired.
[0021]
The present invention proposes authentication and settlement using an information terminal taking into account the third generation portable information terminal and the Internet. Mobile phones and personal digital assistants have unique addresses and telephone numbers. It is possible to authenticate the person using the telephone number, the PPS mail address, and the ID number registered in the EC site in advance.
[0022]
In addition, in order to improve safety and reliability, a virtual URL (Uniform Resource Location) for settlement is transmitted to the authentication agent by e-mail and sent via the Internet.
[0023]
The virtual URL is a different character and number each time and is generated at random. If a customer receives a virtual URL from the authentication center and makes a payment, the customer is safe and reliable, and more efficient than cash.
Once used, a virtual URL is disposable and never used again.
[0024]
FIG. 1 is a system configuration diagram showing a first embodiment according to the present invention. There are a shopping mall, a business center, an EC site that handles e-commerce, an authentication agent that performs personal authentication, and a payment center that performs payment on the Internet via the mobile Internet.
[0025]
1 is an Internet network, 2 is a dedicated network for NTT Docomo, 3 is an OCN network of NTT Communications, and 4 is an i-mode server. The customer 16 can see the menu necessary for business by clicking on the screen of the third generation portable information terminal main unit 6 possessed by the customer 16.
[0026]
The business menu is transmitted from 7 business sites via 4 i-mode servers. i-mode is a product name of NTT Mobile Communications Network.
Seven business sites exist on the net, from small daily necessities to large items, cars, home appliances, furniture to supermarkets.
[0027]
It is transmitted from the base station antenna 5 via the i-mode server. When the customer 16 clicks on the desired item from the menu, an e-mail is sent from the terminal 6 to the authentication agent 11.
[0028]
The authentication agent collates the e-mail address registered by the customer in advance with the ID number. If they match, you can confirm your identity. If the personal authentication is established, the authentication center transmits a virtual URL to the terminal device 6 of the customer 16.
[0029]
The virtual URL is a temporary issue that does not use the same character and number more than once, and is generated at random. If there is no response after a predetermined time after throwing on the customer's terminal, it will disappear automatically.
[0030]
When the customer 16 who has received the virtual URL clicks on the screen, the price of the article or business he / she desires is displayed. If you click this and decide that it is appropriate, it means that the business has been established and payment is made.
[0031]
If it is determined that the amount of money and transaction conditions appearing when the virtual URL is clicked and the transaction conditions are not clicked, it will disappear as a business failure after a predetermined time. Therefore, the reliability and safety of customers and business providers are further improved.
[0032]
Reference numeral 8 denotes an EC (Electric Commerce) site, and at the time of settlement, invisible electronic money is withdrawn from a predetermined account from the card company 15 and the bank 14 in accordance with a command from the settlement center 13 connected to 8.
[0033]
Eight EC sites are connected to insurance companies, credit unions, agricultural cooperatives, and other financial institutions (not shown) and settled according to the business of customers. Reference numeral 10 denotes a router for connecting the Internet.
[0034]
As described above, the 7 business sites include shopping malls, convenience stores, retailers, various businesses, and industries related to transactions including business mediation.
In recent years, the Internet and computers have been developed throughout society.
[0035]
Even if there is no actual office or store, it is easy to create a virtual store on the net. From lawyers, patent attorneys, tax accountants, people who work with signboards of national qualifications, to electricians and waterworks, there are countless enumerations. A single computer at home is enough.
[0036]
The business site will provide a place for ordinary people in such a city to do business or to work for the company as a side job. The recent working environment is harsh. Despite the government's ambitious economic policy, the economy will not recover.
[0037]
Furthermore, talented human beings who have no sins are thrown out under the name of restructuring, and they are having uneasy days every day as unemployed. These people have the excellent technology and skills that Japan has created.
[0038]
On the other hand, various industries have emerged due to the rise of the IT revolution. These industries demand a lot of human resources. A new economic structure different from the current company structure has begun to come into our country.
[0039]
It's a great opportunity to open an office online without the need for money. The business site 7 is registered in advance by a person who wants to sell goods, a person who contracts technology and skills. You can browse these business menus anytime, anywhere using 6 devices.
[0040]
If you pay a fixed fee as a registration fee to this site, anyone can register if it meets certain conditions. Naturally anti-social business or anti-social business is excluded.
[0041]
Create a mechanism that pays a few percent of the charge on the site side when a business, merchandise sale, or job deal is established. You can pay for the cost of running the site and running the site from here. You can also make your business site a corporate corporation and pay a dividend if you make a profit.
[0042]
Eight EC site is a site that performs payment of money. When the person is authenticated and the transaction is established, a settlement is made with a predetermined financial institution.
A card company 15 and a bank 14 are shown in FIG. Eight sites will make payments with these financial institutions.
[0043]
The 14 and 15 financial institutions and credit companies are relatively large. Eight EC sites have registered non-banks, agricultural cooperatives, credit unions, financial companies, and personal fund accounts. Those who register for the 7 business site may want to invest their personal funds without using financial institutions.
[0044]
Large financial institutions and securities companies often open their own websites online. Sites 7 and 8 can also be used for individual transactions and stock transactions.
[0045]
The personal authentication is performed using the e-mail number of the terminal device 6 and an ID password registered in advance. As described above, a payment mail is transmitted from the terminal device 6 to the authentication agent 11, and a virtual URL for payment is transmitted from the authentication center to establish a link.
[0046]
FIG. 2 is a schematic diagram showing exchange of personal authentication and settlement. The customer 22 browses the menu from 7 business sites via a portable device and a personal computer. Of course, the menu can be viewed from the i-mode server 4 shown in FIG.
[0047]
(1) is a model for accessing the menu browsing from the business site 7, and the customer 22 clicks on the menu on the desired item, ticket, or business.
When (3) in FIG. 2 is clicked, an e-mail is transmitted to the authentication agent 11. For example, the settlement e-mail is registered in advance 11 for authentication. When the customer clicks on the menu, it automatically sends to the authentication agent.
[0048]
For example, if Tanaka is a customer, Tanaka @ soli. co. jp is automatically transmitted. At the same time, a virtual URL is sent from the EC site 8 of link (4) or link (2) to the authentication center in a reflective manner. (2) and (4) are linked from either (2) or (4) depending on the customer's pre-registered site, goods, or business transaction.
[0049]
This virtual URL is displayed on the terminal of the customer 22 but disappears after a predetermined time. That is, if payment is not made within a predetermined time, it is determined that the transaction is not established. This virtual URL is used only once. Therefore, it is called a virtual URL. Therefore, the URL is generated randomly every time.
[0050]
When the customer 22 clicks on the virtual URL for settlement, the transaction amount is displayed. Depending on the goods and business, there may be multiple amounts depending on the degree. When you click on the amount that you think is appropriate for the customer, the link (5) is established and sent to the payment center.
[0051]
In some cases, a link (not shown) is provided on the EC site 8 described above. This may be an EC site with 8 settlement links depending on the type of financial institution, depending on goods, business, or customer registration.
[0052]
In order to make the payment of the amount safer, the time displayed on the customer's terminal is shorter than the display of the virtual URL. If payment is not made even after a predetermined time has elapsed, the amount payment display will automatically disappear as the transaction is not established.
[0053]
If payment is made by the customer 22 within a predetermined time, the transaction is completed. Next, a method for withdrawing the amount is sent from the settlement center 13 through the link {circle around (6)}. Card payment, cash, account name, credit for several payments, etc.
[0054]
The same applies to the 8 EC sites. When the customer 22 wants to make the desired cash settlement, the negotiation is completed, the settlement center (6) is established, and a digital receipt is issued. At the same time as being sent to the terminal of the customer 22, it is strictly stored in the settlement center 13. Later, the customer is notified by mail or other means.
[0055]
FIG. 3 is a block diagram showing a service model for authentication and settlement according to the present invention. There are customer and service / business sites, payment credit companies, and financial institutions.
[0056]
In order to manage authentication and settlement, there are e-mail, Web, EC site, authentication agent, authentication center, and settlement center on the net.
[0057]
EC payments can be realized by effectively using these service sites and functions. In Japan, where there are many cash transactions, we are not used to online EC.
Japanese-style ECs, which are based on customs of land and customs different from the US, want to get the results of paying money online.
[0058]
Therefore, the model shown in FIG. 3 has the potential to grow as a contact point with customers at convenience stores that have grown up in the Japanese culture.
[0059]
It is also possible to place a dedicated terminal at a convenience store to receive music of your choice, get weekend trips, and issue ticket tickets on the spot.
It is sufficient to receive goods requested at one's own terminal 6 at a convenience store, or to pay for goods at a convenience store at a dedicated terminal or at one's own terminal 6 without having to carry cash. It can be said that a new Japanese-style EC payment era has arrived.
[0060]
FIG. 4 is a diagram showing a second embodiment. Reference numeral 21 denotes an Internet network including a NTT Docomo network of NTT Mobile Communications Network Co., Ltd. and an OCN network of NTT Communications as dedicated lines.
The docomo network and the OCN network are contracted with Web sites on the Internet and used as a dedicated line without going through the Internet network, thereby promptly improving safety and reliability and improving customer convenience.
[0061]
On the network 21, there are eight EC sites as described in FIGS. 1 and 2, the authentication agent 11, the authentication center, the settlement center, and the financial institution 14. Reference numeral 7 denotes a general business site.
[0062]
There are 7 menus of goods and a wide variety of businesses. Eight EC sites include contracts related to payments and transactions, transactions and menus of goods, and a dedicated terminal for convenience stores. In this embodiment, various financial institutions cooperate with the EC site.
[0063]
Reference numeral 41 denotes a retail business such as a supermarket, department store, store, or convenience store. No. 43 is standardized in the same manner as Bluetooth with a Bluetooth product (a wireless communication system that uses weak radio waves) or IrDa (a wireless communication system that uses infrared rays). This is mainly used for communication between the terminal and the server and the PC.)
[0064]
The customer 16 can browse the items and business menus received by the 6 portable information terminal devices.
The transmitter 43 is provided in the store, the store window, and the side wall of the building, and information is naturally input to the terminal 6 when walking on the road.
[0065]
41 convenience stores and 21 internet networks are connected by wire, wireless or mobile internet.
[0066]
Reference numeral 42 denotes a vending machine. Similarly, the vending machine 42 includes 43 transmitters based on Blue Tooth and IrDa. The menu and price of the product in the vending machine are input to the terminal 6 held by the customer 16.
[0067]
If it is a vending machine for cigarettes and soft drinks, the type and price are displayed on the menu. When the customer 16 clicks on the screen of the terminal 6, the customer 16 transmits the settlement mail described above.
[0068]
When the return virtual URL arrives and the customer clicks, the settlement is established. Only a few minutes are required. From the vending machine, the settled items come out. This is an example in which a portable information terminal is used instead of a wallet without using cash.
[0069]
At the convenience store 41, payment is made using the portable information device 6 in front of the store clerk and the goods are received directly from the store clerk. At this time, you can get a payment and receipt from the convenience store terminal. Since no cash is exchanged, there is no accident on both sides.
[0070]
The present invention can also be applied to a convenience store 41 or a fast food restaurant. There will be no scandals such as clothes related to money, which often occur in stores, and troubles related to changes with customers. If the system according to the present invention is applied, an unmanned store for 24 hours becomes possible.
[0071]
FIG. 5 is a diagram showing a series of personal authentication and settlement through a screen on the customer's mobile terminal device based on the first embodiment.
[0072]
In FIG. 5A, the customer selects the digital camera X100L of company X from the menu. The price was 50,000 yen. In FIG. 5B, I decided to buy it and clicked on the screen.
[0073]
Click to automatically send your registered email address to the authentication agent. This e-mail address is used as judgment material for personal authentication. The authentication agent searches the database for the identity of the user. FIG. 5 (c) shows this.
[0074]
If it is determined that the user belongs, a virtual URL is sent from the authentication center to FIG. As shown in FIG. When the customer clicks on this, the details of the URL are displayed. If the customer clicks on the screen again within a predetermined time, this transaction is completed. This establishes authentication and business.
[0075]
FIG. 6 shows a model of settlement on the terminal device screen. In FIG. 6A, it is selected whether the withdrawal is performed with a bank account or indicated in card settlement. Before entering this step, the customer enters his password and enters the settlement step. The authentication center 12 confirms whether or not the password is the person himself / herself.
[0076]
FIG. 6B is a diagram in which card payment is selected. The customer inputs the ID number of his / her card. Register the bank account and the credit card company card number in advance in the authentication center.
[0077]
FIG. 6C is a screen for confirming whether or not it is good. If you click No, the transaction disappears at this point as if there was no business. Click Yes to close the transaction. This step (1) is displayed for a certain period of time to ensure safety. If there is no click response even after a predetermined time has elapsed, the process returns to the step of FIG. If you repeat this step several times, the transaction will disappear to prevent accidents.
[0078]
When Yes is clicked in FIG. 6C, the transaction is completed. The amount is withdrawn from the predetermined account and a digital receipt is issued in (d). This digital receipt is stored in the memory of the terminal device and is also stored in the database of the settlement center. Later, a receipt will be sent by mail from the settlement center.
[0079]
The credit card usage details and telephone call charges may be mailed together from the settlement center. However, contracts and seals are required for transactions, brokerage, etc., depending on the size of the business. In such a case, the document is exchanged by mail or is sent to the office in parallel with the electronic payment to ensure safety and reliability.
[0080]
FIG. 7 shows an example in which a product is purchased from a vending machine by electronic payment from a mobile terminal instead of a change. The payment can be made in the same time as the coin is put in the vending machine and the product is taken out.
[0081]
FIG. 7A shows the product information on the screen of the customer's terminal by 43 IrDa and Bluetooth in the vending machine 42 in the second embodiment of FIG. The customer clicks on the desired product.
[0082]
In FIG. 7B, when a product is clicked, an e-mail requesting transmission of a settlement virtual URL is automatically transmitted to the authentication agent 11. A settlement virtual URL is sent from the authentication center 12. This is shown in (c). Display only for a predetermined time to ensure safety.
[0083]
When the virtual URL is clicked, the payment amount of the product is displayed in FIG. Clicking on this will display the payment method in (e). When a predetermined ID password is input, settlement becomes possible. Choose credits only for debiting bank accounts.
[0084]
In FIG. 7F, the product is taken out from the vending machine. A digital receipt is issued. Since this receipt is a small amount as described above, the usage amount is mailed together after a predetermined period. Similarly, it is stored in the payment center database.
[0085]
FIG. 8 shows an example in which shopping is performed by electronic payment from a relatively large store such as a convenience store, a store, a supermarket, and a department store in the second embodiment of FIG.
[0086]
In FIG. 8A, a menu is automatically input to the customer's mobile terminal by 43 IrDa and Bluetooth from the neighborhood of the store 41 in FIG. This example shows a model when stopping by a male shoe store.
[0087]
In FIG. 8A, the user clicks on the shoes he wants from the menu. In (b), the shape and size of the shoes appear in a close-up. Since it is at the storefront, you can see the actual product for your hands. Since you can see the pictures, drawings, sizes, and actual objects displayed on the screen of your mobile device, you have a wealth of product information and you can quickly find what you want.
[0088]
Click Yes if you have a product you like. Click No to return to the first menu in (a). In FIG. 8C, when clicking Yes, an e-mail requesting the transmission of the settlement virtual URL is automatically sent.
[0089]
If the authentication agent confirms the identity, a virtual URL for settlement is transmitted from 12 authentication centers. The virtual URL in (d) is displayed for a few minutes to ensure safety. This URL also displays the price of the product desired by the customer. When clicked, the payment method screen is displayed in FIG. Enter the password and confirm the person again at the settlement center 12.
[0090]
In (e), a payment method, a credit card or a bank account is selected. In any case, enter your card password and bank account PIN to make a payment.
[0091]
A digital receipt is issued from the certification center. At the same time, a digital sales slip and receipt of the product are also issued from the authentication center to the store terminal. Customers can buy desired shoes from the store via electronic payment without moving cash.
[0092]
Here, cash is not exchanged between the store clerk and the customer. Since all payments are made electronically, there will be no scandals associated with money. All records remain in the database of the certification center, so that tax-related applications and insurance related to accidents can be handled reasonably and smoothly.
[0093]
Current credit cards are useful and useful, but there are many accidents and poor processing, so good consumers often hesitate to use credit cards.
[0094]
Often you get a large bill that you don't remember, or a lot more than you actually used. Also, the card may be dropped or stolen and misused by others. The card company's response is not always quick and does not provide sufficient compensation. In many cases, it is postponed because of investigation, and it becomes unwilling.
[0095]
In particular, card companies often took a long time to investigate and made consumers cry when they were not careful enough when used in foreign countries. However, on the other hand, the card company has a point system for each use, provides a mileage service in cooperation with an airline company, and is expanding the service.
[0096]
This electronic payment system is a technique that forms the core of the IT revolution to wipe out accidents associated with current credit cards and the crying of consumers.
The Internet has evolved on a global scale and has become a global means of communication to cover the world.
[0097]
FIG. 9 is a flow diagram showing a series of procedures up to identity authentication and settlement.
[0098]
In STP901, a menu is displayed on the customer's terminal. When a customer calls and displays from a business site or EC site on the Internet, it is automatically input at a street corner, in a store, near a vending machine as in the second embodiment shown in FIG. There are cases.
[0099]
In STP 902, a product desired by the customer is clicked. In STP903, the details, price, and delivery date of the clicked product are displayed.
In STP 904, if the customer agrees to purchase or trade the product or business, click Yes. If no, return to STP 901 and try again.
[0100]
In STP 905, when clicking Yes in STP 903, an e-mail is automatically sent to send a settlement virtual URL to an authentication agent registered in advance.
[0101]
Upon receiving the e-mail, the authentication agent checks the registration list against the mail address, confirms the identity, and sends a virtual URL to the customer at STP 906.
[0102]
The STP 907 displays a settlement URL on the screen of the customer terminal. This URL has a structure in which the character and number are changed at random each time to ensure safety and reliability, and the same thing is never sent again. And if there is no response after the required time, it will automatically disappear as if there was no transaction.
[0103]
In STP907, the URL is displayed for 10 minutes. In STP 908, the customer clicks on the virtual URL. When you click, you will be asked the settlement conditions, how to pay the amount, for example, how many monthly payments, bank account withdrawal or credit card.
[0104]
STP 909 is this step, which is not shown in the flowchart. However, when entering this step, the customer inputs a password registered in advance and sends it to the authentication center. The authentication center confirms the password and authenticates the person. This step is required to be cautious because the actual product price and business transactions move.
[0105]
In STP 910, click after confirming the conditions of purchase and transaction. This click is the final decision on the transaction. If the customer needs to rethink here, clicking No will result in no transaction and no money will move.
[0106]
In STP911, the payment center issues a digital receipt. At the same time, the receipt history is stored in the payment center database. When purchasing at a vending machine or shopping for small items at a store, a receipt is mailed as a usage statement every predetermined period.
[0107]
Since the shopping history, transaction conditions, and payment are also recorded in the memory on the customer's terminal, the customer can check the usage statement sent by mail from the payment center.
[0108]
When shopping with a credit card, there are few people who keep receipts and copies unless they are special people. There are many people who look at the statement sent by the card company and wonder if they used this amount.
If the settlement system according to the present invention is used, there is no such worry.
[0109]
In STP 912, payment is made and goods are received.
When performing at the store front, the receipt is also displayed from the payment center on the terminal on the store side, so the goods can be delivered to the customer after confirmation.
[0110]
In vending machines, products come out in front of you.
Since all of these payments have a history in the payment center, their own terminal, and the terminal of the store, there are no unforeseen accidents like conventional cards, and they can be solved once when trouble occurs retroactively. There is an advantage.
[0111]
【The invention's effect】
As described above, by using this electronic payment system, it is possible to make a safe, reliable and reliable payment without using cash, bank transfer or credit card for the purchase and sale of goods and the payment of business transactions.
[0112]
An e-mail for payment is transmitted to the authentication agent, and the authentication agent authenticates the person, and then sends a virtual URL for payment from the authentication center to the customer.
[0113]
The customer clicks on the received URL and inputs a password registered in advance, and then makes a final settlement.
[0114]
Since all settlement histories are stored and held in the authentication agent database, customer terminals, stores, and business terminals, they can be easily solved even if troubles related to later settlement occur.
[Brief description of the drawings]
FIG. 1 is a system configuration diagram showing a first embodiment according to the present invention.
FIG. 2 is a diagram showing a flow of customer, authentication and approval in the embodiment.
FIG. 3 is a diagram showing a service configuration for authentication and approval in the embodiment.
FIG. 4 is a system configuration diagram showing a second embodiment.
FIG. 5 is a diagram showing a procedure for extracting a menu from a Web site and obtaining personal authentication.
FIG. 6 is a diagram showing settlement.
FIG. 7 is a diagram illustrating a procedure for purchasing an article from a vending machine.
FIG. 8 is a diagram showing a procedure for making a payment by downloading a menu from a store to a portable information device.
FIG. 9 is a flowchart showing procedures for purchasing, authenticating, and settlement of merchandise.
[Explanation of symbols]
1. Internet network
2. NTT mobile communications network dedicated network
3. NTT Communications Corporation OCN Network
4). I-mode server
5. Mobile internet base station
6). Portable information terminal
7). Store, company, business, business intermediary
8). EC site
9. Internet line
10. Router
11. Authentication agent
12 Authentication center
13. Payment center
14 Bank
15. Card company
16. client
21. Internet network, company dedicated network
31. Service structure
41. Store, department store, convenience store
42. vending machine
43. Product information transmitter

Claims (5)

An electronic payment system that performs electronic payment using a mobile terminal connected to the Internet ,
And a business center and / or EC site provides a menu to display before Symbol mobile terminal,
Registering in advance the e-mail address and ID number of the mobile terminal, receiving an e-mail automatically sent from the mobile terminal when the menu displayed on the mobile terminal is clicked by a customer , An authentication agent that performs personal authentication using the registered email address and ID number;
An authentication center that transmits a virtual URL to the mobile terminal when the personal authentication is established;
A settlement center that issues digital receipts,
The payment center issues the digital receipt when the customer clicks on the virtual URL displayed on the mobile terminal and the payment is displayed on the payment screen displayed on the mobile terminal, thereby issuing the digital receipt. An electronic settlement system characterized in that it is stored in a memory of a terminal and the history of the digital receipt is stored in its own database .   2. The electronic payment system according to claim 1, wherein when the payment is made, payment is made from an account of a card company or a bank provided on the Internet. The virtual URL transmitted by the authentication center is a provisionally issued URL, and the authentication center automatically disappears when there is no response from the customer for a predetermined time after displaying the virtual URL on the mobile terminal. electronic payment system according to claim 1 or claim 2, characterized in that cause. Store, provided in the store or vending machine, claim 1, characterized in that automatically the outgoing information is input to the mobile terminal having a transmitter for displaying a menu on the mobile terminal according to claim 3 The electronic payment system according to any one of the above. An electronic payment method using the electronic payment system according to any one of claims 1 to 4 ,
Registering the portable terminal in advance with the authentication agent;
Displaying a menu provided by the website on the mobile terminal;
Automatically sending an e-mail from the portable terminal to the authentication agent when the menu displayed on the portable terminal is clicked by the customer;
The authentication agent receiving the e-mail performs identity authentication using the pre-registered mail address and ID number;
An authentication center transmitting a virtual URL to the mobile terminal when the personal authentication is established;
Displaying a payment screen on the mobile terminal when the virtual URL displayed on the mobile terminal is clicked by the customer;
When payment is made on the payment screen displayed on the portable terminal, the payment center issues a digital receipt and stores it in the memory of the portable terminal, and the digital receipt is stored on the payment center database. And a step of storing a history.

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