Electronic settlement method, system, server, and program thereof

Abstract

A secure electronic settlement by an easy operation is enabled even with any terminal device and any network in any country. Balance information of a user, predetermined voice information that can identify a user, an arbitrary keyword, and a voiceprint are stored in advance in a database of a server in association with a telephone number of the user, and when a remitter user carries out remittance to a recipient user, the server sends out voice guidance including predetermined voice information registered in the database corresponding to the telephone number of a recipient terminal sent from the recipient terminal requesting the remittance or a telephone number of the recipient terminal inputted by the remitter carrying out the remittance to the recipient using a voice response function to a remitter terminal, thereby enabling intuitive confirmation of a recipient by a remitter.

1 . (canceled) 
     
     
         2 . An electronic settlement method between user terminals at least provided with a function of sending a unique ID of a user to a connection destination at a submission time, the method being carried out via a server provided at least with a database storing at least balance information of a user in association with the unique ID of the user and the method comprising the steps of:
 receiving a reverse remittance request including at least a unique ID of a recipient user, a unique ID of a remitter user, and a billing amount from a recipient user terminal by the server;   receiving confirmation information indicating an intention to accept remittance to the reverse remittance request from a remitter user terminal by the server;   after receiving the confirmation information, updating balance information in a database corresponding to the unique ID of the remitter user and the unique ID of the recipient user in accordance with the billing amount by the server; and   after updating the balance information, notifying the recipient user terminal of completion of money reception according to the reverse remittance request by the server.   
     
     
         3 . The electronic settlement method of  claim 2 , wherein,
 subsequent to the reverse remittance request receiving step,   the method performs the step of:   sending a return request, which relates to confirmation information indicating an intention to accept the remittance to the reverse remittance request and includes at least information regarding the recipient user and the transaction amount according to the reverse remittance request, to the remitter user terminal by the server.   
     
     
         4 . The electronic settlement method of  claim 2 , wherein,
 subsequent to the reverse remittance request receiving step,   the method performs the step of:   sending a return request, which relates to confirmation information indicating an intention to accept the remittance to the reverse remittance request and includes at least information regarding the transaction amount according to the reverse remittance request and information regarding the recipient user that is character information of a name of the recipient user registered in the database in advance corresponding to the unique ID of the recipient user or vocalized information of the character information, or that is predetermined voice information identifying the recipient user and that is registered in the database in advance corresponding to the unique ID of the recipient user, to the remitter user terminal by the server.   
     
     
         5 . The electronic settlement method of  claim 2 , wherein,
 in addition to the above,   in the event of detecting an access from a user terminal corresponding to the unique ID of the remitter user included in the reverse remittance request after the reverse remittance request receipt, the server performs the step of sending a return request, which relates to confirmation information indicating an intention to accept the remittance to the reverse remittance request and includes at least information regarding the recipient user and a transaction amount according to the reverse remittance request, to the user terminal.   
     
     
         6 . The electronic settlement method of  claim 2 , wherein,
 in addition to the above,   in the event of detecting an access from a user terminal corresponding to the unique ID of the remitter user included in the reverse remittance request after the reverse remittance request receipt, the server performs the step of sending a return request, which relates to confirmation information indicating an intention to accept the remittance to the reverse remittance request and includes at least information regarding the transaction amount according to the reverse remittance request and information regarding the recipient user that is character information of a name of the recipient user registered in the database in advance corresponding to the unique ID of the recipient user or vocalized information of the character information, or that is predetermined voice information identifying the recipient user and that is registered in the database in advance corresponding to the unique ID of the recipient user, to the user terminal.   
     
     
         7 . The electronic settlement method of  claim 2 , wherein
 the confirmation information indicating the intention to accept the remittance to the reverse remittance request includes information by a voice input or a character input corresponding to at least a part of a name of the recipient user, and   the balance information updating step and later are performed only in the event that a verification result of the information by a voice input or a character input corresponding to at least a part of a name of the recipient user included in the confirmation information and a name of the recipient user registered in the database in advance corresponding to the unique ID of the recipient user indicates match.   
     
     
         8 . The electronic settlement method of  claim 2 , wherein,
 the confirmation information indicating the intention to accept the remittance to the reverse remittance request includes information corresponding to a keyword or a personal identification number by a voice input, a character input, or a key input, or biometric authentication information, and   verifying the information corresponding to the keyword or the personal identification number by the voice input, the character input, or the key input, or the biometric authentication information included in the confirmation information with a keyword, a personal identification number, or biometric authentication information registered in the database in advance corresponding to the unique ID of the remitter user, or verifying the information by the voice input corresponding to the keyword or the personal identification number included in the confirmation information with voice information pronounced by the remitter user oneself registered in the database in advance corresponding to the unique ID of the remitter user, only in the event that either one or both of verification results indicate match the balance information updating step and later are performed.   
     
     
         9 . The electronic settlement method of  claim 2 , wherein association of a plurality of remittance conditions with security policies prepared in advance is used, and as the confirmation information indicating the intention to accept the remittance to the reverse remittance request, confirmation information based on a security policy corresponding to a remittance condition in the reverse remittance request is used. 
     
     
         10 . The electronic settlement method of  claim 2 , wherein, in the event that the confirmation information indicating the intention to accept the remittance to the reverse remittance request includes a keyword and authentication by a voiceprint is carried out, a plurality of keywords and voiceprints of an acceptor having pronounced them are registering in advance in the database, and for each one opportunity of authentication, a keyword is extracted randomly from them to be applied. 
     
     
         11 . An electronic settlement method between user terminals at least provided with a function of sending a unique ID of a user to a connection destination at a submission time, the method being carried out via a server provided at least with a database storing at least balance information of a user in association with the unique ID of the user and the method comprising the steps of:
 receiving a reverse remittance request including at least a unique ID of a recipient user and a billing amount from a recipient user terminal by the server;   
       receiving a unique ID of a remitter user from a remitter user terminal by the server; 
       identifying that the remitter user terminal is a target terminal of the reverse remittance request by matching signals received respectively from the remitter user terminal and the recipient user terminal by the server;
 sending a return request, which relates to confirmation information indicating an intention to accept remittance to the reverse remittance request and includes at least information regarding the transaction amount according to the reverse remittance request, to the remitter user terminal by the server; 
 receiving confirmation information indicating an intention to accept the remittance to the reverse remittance request from the remitter user terminal by the server; 
 after receiving the confirmation information, updating balance information in a database corresponding to the unique ID of the remitter user and the unique ID of the recipient user in accordance with the billing amount by the server; and 
 after updating the balance information, notifying the recipient user terminal of completion of money reception according to the reverse remittance request by the server. 
 
     
     
         12 . An electronic settlement system between user terminals using a server provided at least with a database storing at least balance information of a user in association with the unique ID of the user and the user terminals at least provided with a function of sending a unique ID of a user to a connection destination at a submission time, the server further comprising at least:
 means of receiving a reverse remittance request including at least a unique ID of a recipient user, a unique ID of a remitter user, and a billing amount from a recipient user terminal;   means of receiving confirmation information indicating an intention to accept remittance to the reverse remittance request from a remitter user terminal;   means of updating balance information in a database corresponding to the unique ID of the remitter user and the unique ID of the recipient user in accordance with the billing amount, after receiving the confirmation information; and   means of notifying the recipient user terminal of completion of request according to the reverse remittance request, after updating the balance information.   
     
     
         13 . A server for electronic settlement carried out between user terminals at least provided with a function of sending a unique ID of a user to a connection destination at a submission time, the server being provided at least with a database storing at least balance information of a user in association with the unique ID of the user, the server at least comprising, in addition to the above:
 means of receiving a reverse remittance request including at least a unique ID of a recipient user, a unique ID of a remitter user, and a billing amount from a recipient user terminal;   means of receiving confirmation information indicating an intention to accept remittance to the reverse remittance request from a remitter user terminal;   means of updating balance information in a database corresponding to the unique ID of the remitter user and the unique ID of the recipient user in accordance with the billing amount, after receiving the confirmation information; and   means of notifying the recipient user terminal of completion of request according to the reverse remittance request, after updating the balance information.