WO2001088785A1 - Systeme de reglement electronique, dispositif de reglement et terminal - Google Patents

Systeme de reglement electronique, dispositif de reglement et terminal Download PDF

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Publication number
WO2001088785A1
WO2001088785A1 PCT/JP2001/000334 JP0100334W WO0188785A1 WO 2001088785 A1 WO2001088785 A1 WO 2001088785A1 JP 0100334 W JP0100334 W JP 0100334W WO 0188785 A1 WO0188785 A1 WO 0188785A1
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WO
WIPO (PCT)
Prior art keywords
terminal
payment
transaction
identification number
payment terminal
Prior art date
Application number
PCT/JP2001/000334
Other languages
English (en)
Japanese (ja)
Inventor
Keiichi Nakajima
Original Assignee
Keiichi Nakajima
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Keiichi Nakajima filed Critical Keiichi Nakajima
Priority to JP2001585106A priority Critical patent/JP4546692B2/ja
Priority to AU2001227070A priority patent/AU2001227070A1/en
Publication of WO2001088785A1 publication Critical patent/WO2001088785A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

Definitions

  • the present invention relates to an electronic payment system, a payment device, and a terminal that can perform payment in commercial transactions electronically using a communication network.
  • an electronic payment system for performing transaction settlement using a communication network, wherein the settlement apparatus performs transaction settlement.
  • a payment terminal connected to the payment device via a communication network to make a bill in a transaction; and a payment terminal connected to the payment device via the communication network to make a payment in the transaction.
  • the payment device sets a transaction identification number for identifying the transaction between the payment terminal and the payment terminal. If the billing terminal transmits the same transaction identification number as the transaction identification number to the payment device, the payment terminal and the payment terminal The settlement process of the transaction may be performed between the two.
  • the payment device sends the transaction identification number to the payment terminal, receives the transaction identification number notified by the payment terminal to the billing terminal from the billing terminal, and receives the transaction identification number set by the payment device and the transaction received from the billing terminal.
  • the transaction may be settled between the billing terminal and the payment terminal if the identification numbers are collated and matched.
  • the electronic payment system further includes a communication device capable of communicating with the payment device and the payment terminal, wherein the payment terminal transmits a payment terminal identification number for identifying the payment terminal to the communication device, and The device transmits the payment terminal identification number received from the payment terminal to the payment device, the payment device sets the transaction identification number with the payment terminal, and the billing terminal sets the transaction number
  • settlement processing of the transaction may be performed between the billing terminal and the payment terminal.
  • the payment terminal holds the payment terminal identification number, has an IC chip that wirelessly transmits the payment terminal identification number, and the communication device receives the payment terminal identification number transmitted by the IC chip. It may be a sensor.
  • a settlement device for communicating with a billing terminal for making a bill in a transaction and a payment terminal for making a payment in the transaction, and performing settlement of the transaction.
  • a first communication unit connected to the terminal, a second communication unit connected to the payment terminal via a second communication network, and a processing unit for performing a transaction settlement process, wherein the processing unit is a payment terminal
  • the processing unit is a payment terminal
  • the second communication unit transmits the transaction identification number to the payment terminal
  • the first communication unit receives the transaction identification number notified by the payment terminal to the billing terminal from the billing terminal
  • the processing unit The transaction identification number set by the processing unit may be compared with the transaction identification number received from the billing terminal, and if they match, the transaction settlement processing may be performed between the billing terminal and the payment terminal.
  • the first communication unit receives, from the billing terminal, a payment terminal identification number for identifying the payment terminal notified by the payment terminal to the billing terminal, and the processing unit sets a transaction identification number in association with the payment terminal identification number.
  • the second communication unit may transmit the transaction identification number to the payment terminal identified by the payment terminal identification number.
  • the second communication unit transmits the transaction identification number to the payment terminal identified by the payment terminal identification number
  • the first communication unit transmits the payment terminal identification number and the transaction identification number notified by the payment terminal to the billing terminal.
  • the processing unit correlates the transaction identification number set by the processing unit with the transaction identification number received from the billing terminal in association with the payment terminal identification number received from the billing terminal. Then, if they match, a transaction settlement process may be performed between the payment terminal identified by the payment terminal identification number and the billing terminal.
  • the processing unit further includes a storage unit for storing the transaction identification number setting time in which the transaction identification number is set in association with the payment terminal identification number, and the processing unit is configured to store the transaction identification number setting time and the transaction identification number from the billing terminal. May be compared with the transaction identification number reception time, and if the difference between the transaction identification number setting time and the transaction identification number reception time is within a predetermined time, the settlement processing may be performed.
  • the first communication unit receives the purchase amount in the transaction from the billing terminal, and the processing unit transmits the transaction amount to the payment terminal user based on the purchase amount received from the billing terminal by the first communication unit. May be performed.
  • the first communication unit receives the purchase price in the transaction from the billing terminal, and sends the purchase price to the payment terminal so that the user of the second communication unit can check the purchase price.
  • the receiving unit receives a billing terminal identification number for identifying the billing terminal from the billing terminal, and the processing unit extracts information on the billing terminal from the billing terminal database based on the billing terminal identification number, and registers the billing terminal. You may check.
  • the second communication unit may transmit the information on the billing terminal extracted from the billing terminal database to the payment terminal so that the payment terminal can confirm the billing terminal.
  • a payment terminal database storing information on the payment terminal is further provided, and the processing unit extracts information on the user of the payment terminal from the payment terminal database based on the payment terminal identification number, and registers the user's registration status and the user. You may check at least one of the usage status of, and the user's possible settlement amount.
  • the processing unit extracts at least a part of the attribute information of the user of the payment terminal from the payment terminal database, and the first communication unit transmits at least a part of the attribute information of the user to the billing terminal. Is also good.
  • a payment terminal database storing information on the payment terminal
  • the first communication unit may extract authentication information of the user of the payment terminal from the payment terminal database, and transmit the authentication information of the user to the request terminal in order for the request terminal to authenticate the user.
  • the user authentication information may be a face photograph of the user.
  • the first communication unit receives a signal requesting authentication using the user's password from the requesting terminal, and the processing unit extracts information on the payment terminal user's password from the payment terminal database, and the second communication unit Sends a command for requesting a password to the payment terminal, receives a password input by the payment terminal from the billing terminal, and the processing unit converts the password received from the billing terminal into the password extracted from the payment terminal database and
  • the first communication unit may authenticate the user by transmitting the success or failure of the password verification by the processing unit to the billing terminal.
  • the processor further includes a payment terminal database storing information on the payment terminal, the processing unit extracts authentication information registered by a user of the payment terminal from the payment terminal database, and the second communication unit pays an instruction for inquiring the authentication information.
  • the authentication information may be transmitted to the terminal, and the first communication unit may authenticate the user by receiving the authentication information notified by the user to the request terminal in response to the command.
  • the first communication unit may notify the billing terminal of the success or failure of the user authentication by transmitting the result of the decree or testimony by the processing unit to the billing terminal.
  • the payment terminal database may store a plurality of authentication information registered by the user, and the processing unit may randomly extract at least one of the plurality of authentication information from the payment terminal database.
  • the payment terminal database further stores information on the payment terminal
  • the billing terminal database stores an authentication method required by the billing terminal
  • the payment terminal database stores an authentication method requested by the user
  • the processing unit includes: The authentication method requested by the billing terminal is extracted from the billing terminal database, the authentication method requested by the user is extracted from the payment terminal database, and based on the authentication method requested by the billing terminal and the authentication method requested by the user. An authentication method that can be agreed upon may be determined, and the user may be authenticated. If the authentication accuracy of the authentication method requested by the billing terminal is different from the authentication accuracy of the authentication method requested by the user, the authentication method with the higher authentication accuracy may be an agreed authentication method.
  • the processing unit rejects the user authentication, and the second communication unit rejects the authentication by the payment terminal. May be transmitted.
  • the authentication method required by the billing terminal and the user used visual authentication using the face photograph data of the user, password authentication using the authentication information registered by the user as a password, and voice data registered by the user.
  • the content may be specified for at least one of the voice authentications.
  • the processing unit shall agree to the authentication method. May not include visual authentication. If the authentication method requested by the user is a specified content that refuses visual authentication, and the authentication method requested by the requesting terminal is a specified content that requires visual authentication, the processing unit performs authentication of the user. Rejection, the second communication unit may transmit information indicating that the authentication has been rejected to the payment terminal because the authentication method cannot be agreed.
  • the processing unit may combine the authentication method required by the billing terminal with the password authentication to obtain an acceptable authentication method.
  • a payment terminal database storing information relating to the payment terminal; and a third communication unit connecting via a third network to a communication device that receives the payment terminal identification number from the payment terminal.
  • the third communication unit receives the payment terminal identification information from the communication device, and the processing unit utilizes the payment terminal database based on the received payment terminal identification information, and And specifying a transaction identification number for identifying the transaction with the specified payment terminal.
  • the third communication unit receives the payment terminal identification information from the communication device, and the processing unit utilizes the payment terminal database to identify the payment terminal based on the received payment terminal identification information.
  • the second communication unit transmits an e-mail including a communication command with the billing terminal associated with the communication device to the payment terminal, wherein the communication device is associated with the billing terminal.
  • a communication device table for storing a communication device identification number for identifying the communication device and the billing terminal identification number in association with each other.
  • the processing unit uses the communication device table to perform the communication.
  • the billing terminal associated with the device may be specified.
  • a payment terminal that communicates with a settlement device that performs settlement of a transaction and a billing terminal that performs billing in the transaction, and performs payment in the transaction, wherein the transaction identification number that identifies the transaction from the settlement device.
  • the storage unit stores the payment terminal identification number for identifying the payment terminal, the conversion unit converts the payment terminal identification number stored in the storage unit into a pattern code, and the display unit transmits the payment terminal identification number to the billing terminal.
  • a pattern code may be displayed to notify the number.
  • the receiving unit receives the transaction accounting information from the settlement device, and the converting unit stores the accounting information in the storage unit.
  • the payment terminal identification number and the transaction identification number 4 are converted into a pattern code, and the display unit displays a pattern code for notifying the payment terminal identification number and the transaction identification number to the billing terminal. It may have a message display unit for displaying the accounting information.
  • the pattern code display unit may display the pattern code on condition that the user of the payment terminal has confirmed the transaction information displayed on the message display unit.
  • the payment device further includes a transmission unit that transmits payment terminal identification information of the payment terminal, and the transmission unit transmits the payment terminal identification information, wherein the reception unit performs a transaction with the billing terminal.
  • the transaction identification number may be received from the settlement device.
  • the receiving unit may further receive an electronic mail including a communication instruction with the billing terminal from the settlement apparatus, and the transmitting unit may transmit the communication instruction to the billing terminal using the electronic mail. Good.
  • the transmitting unit may be an IC chip that wirelessly transmits the payment terminal identification information.
  • a billing terminal that communicates with a settlement device that performs settlement of a transaction and performs billing in a transaction with respect to a payment terminal that performs payment in the transaction; and a pattern code displayed by the payment terminal.
  • a pattern code reading unit for reading the transaction ID, a processing unit for acquiring a transaction identification number for identifying the transaction identification from the pattern code, and a communication unit for transmitting the transaction identification number acquired by the processing unit to the settlement apparatus.
  • the processing unit may acquire a payment terminal identification number for identifying the payment terminal from the pattern code, and the communication unit may transmit the payment terminal identification number and the transaction identification number to the settlement device.
  • the communication unit transmits the purchase price in the transaction to the payment device, and the payment device performs a payment process for the transaction identified by the transaction identification number to a user of the payment terminal identified by the payment terminal identification number.
  • a payment completion notification for notifying the completion of the payment processing may be received from the payment apparatus.
  • the communication unit may receive at least a part of the attribute information of the user of the payment terminal from the payment device.
  • the system further includes a sales history database for storing sales histories in transactions, and the sales history database may store a product identification number for identifying a product to be sold in transactions and attribute information of a user of the payment terminal in association with each other.
  • the user's attribute information may include at least one of the user's gender or age.
  • the communication unit may receive authentication information of the user of the payment terminal from the payment device, and the processing unit may authenticate the user based on the authentication information received from the payment device.
  • the user authentication information may be a photograph of the user's face.
  • a payment method in a payment system including a billing terminal for performing a billing in a transaction, a payment terminal for performing a payment in the transaction, and a payment device for performing a payment for the transaction, wherein the payment terminal includes: Notifying the billing terminal of the payment terminal identification number identifying the payment terminal, transmitting the payment terminal identification number acquired from the payment terminal, and the purchase price of the transaction to the payment device; Assigning a transaction identification number for identifying a transaction in association with the payment terminal identification number received from the billing terminal, and a transaction identification number assigned by the payment device in association with the payment terminal identification number; and Transmitting the purchase price received from the billing terminal to the payment terminal identified by the payment terminal identification number, and displaying the purchase price received from the payment device by the payment terminal.
  • the payment terminal When the terminal user confirms the purchase amount displayed on the payment terminal, the payment terminal notifies the payment terminal of the payment terminal identification number and the transaction identification number to the billing terminal. Transmitting the payment terminal identification number and the transaction identification number to the payment device; and the transaction device assigning the transaction identification number associated with the transaction identification number received from the billing terminal and the payment terminal identification number received from the billing terminal. And a step in which, if the verification is successful, the settlement apparatus performs a transaction settlement process between the billing terminal and the payment terminal identified by the payment terminal identification number based on the purchase price. And characterized in that:
  • a settlement method in a settlement apparatus for communicating with a billing terminal for making a bill in a transaction and a payment terminal for making a payment in the transaction, and performing settlement of the transaction.
  • Payment terminal identification that identifies the payment terminal notified to Receiving the transaction number and the purchase price from the billing terminal; assigning a transaction identification number for identifying the transaction in association with the payment terminal identification number received from the billing terminal; and transaction identification assigned to the payment terminal identification number. Transmitting the payment number and the purchase amount to the payment terminal identified by the payment identification number; and, when the payment terminal user confirms the purchase amount, the payment terminal notifies the billing terminal of the payment terminal identification number and the payment amount.
  • a settlement method in a settlement apparatus for communicating with a billing terminal for making a bill in a transaction and a payment terminal for making a payment in the transaction, and for performing settlement of the transaction. Setting the number, transmitting the transaction identification number to the payment terminal, the payment terminal notifies the transaction identification number to the billing terminal, and the billing terminal sends the same transaction identification number as the transaction identification number to the payment device. And performing a transaction settlement process between the billing terminal and the payment terminal when transmitting.
  • a storage medium storing a computer program for communicating with a billing terminal for making a bill in a transaction and a payment terminal for making a payment in the transaction, and performing settlement of the transaction.
  • a first communication module for connecting the computer to the billing terminal via the first communication network; a second communication module for connecting to the branch terminal via the second communication network; A processing module for performing a settlement process, the processing module sets a transaction identification number for identifying a transaction with the payment terminal, and the billing terminal transmits the same transaction identification number as the transaction identification number to the computer. In this case, the transaction settlement processing is performed between the billing terminal and the payment terminal.
  • FIG. 1 is a configuration diagram of the electronic payment system according to the first embodiment.
  • FIG. 2 is a schematic diagram of the cashier terminal 10.
  • FIG. 3 is a configuration diagram of the user terminal 20.
  • FIG. 4 is a diagram illustrating an example in which a par code is displayed on the pattern code display section 354 of the user terminal 20.
  • FIG. 5 is a diagram illustrating an example in which a cybercode is displayed on the barcode display section 354 of the user terminal 20.
  • FIG. 6 is a diagram illustrating an example in which a mobile phone is used as the user terminal 20.
  • FIG. 7 is a configuration diagram of the settlement server 30.
  • FIG. 8 is a diagram showing an example of the cashier terminal information 500.
  • FIG. 9 is a diagram showing an example of the user information 600.
  • FIG. 10 is a diagram showing an example of the attribute information file 602.
  • FIG. 11 is a diagram showing an example of the usage status file 604. As shown in FIG.
  • FIG. 12 is a diagram showing an example of the authentication data file 606.
  • Figure 13 is a diagram explaining the outline of “loop settlement”.
  • FIG. 14 is a flowchart of the settlement processing of the electronic settlement system according to the first embodiment.
  • FIG. 15 is a flowchart of the processing of the cashier terminal information inquiry 109.
  • FIG. 16 is a flowchart of the processing of the user information inquiry 110.
  • FIG. 17 is a flowchart of the process of the visual authentication 1 14.
  • FIG. 18 is a flowchart of the accounting information confirmation 120 process.
  • FIG. 19 is a flowchart of the processing of the transaction identification number verification 128.
  • FIG. 20 is a flowchart of the process of matching 130 between the purchase amount and the available amount.
  • FIG. 21 is a diagram illustrating a screen example of the cashier side display unit 302 of the cashier terminal 10.
  • FIG. 22 is a diagram illustrating a screen example of the display unit 365 of the user terminal 20.
  • FIG. 23 is a diagram illustrating an example of the sales history information file 150.
  • Figure 24 shows the authentication method stored in the authentication method field of the cashier terminal information 500. It is a figure explaining the example of a formula.
  • FIG. 25 is a diagram illustrating an example of an authentication method stored in the authentication method field of the user information 600.
  • FIG. 26 is a diagram illustrating an authentication method agreed between the cashier terminal 10 and the user terminal 20.
  • FIG. 27 is a flowchart of the settlement process of the electronic settlement system according to the second embodiment.
  • FIG. 28 is a flowchart of the user information inquiry 210 process.
  • FIG. 29 is a flowchart of the user authentication 220 process.
  • FIG. 30 is a flowchart of the user authentication process 2206.
  • FIG. 31 is a flowchart of the process of password authentication 2 222.
  • FIG. 32 is a configuration diagram of an electronic payment system according to the third embodiment.
  • FIG. 33 is a flowchart of a payment process of the electronic payment system according to the third embodiment.
  • FIG. 34 is a view for explaining an example of a display screen of the user computer 22.
  • FIG. 35 is a flowchart of the settlement processing of the electronic settlement system according to the fourth embodiment.
  • FIG. 36 is a diagram illustrating an electronic payment system according to the fifth embodiment.
  • FIG. 37 is a diagram showing an e-mail displayed by the message display section 350.
  • FIG. 38 is a diagram showing a sensor table stored in the cashier database 50 of the settlement server 30 of the fifth embodiment.
  • FIG. 39 is a block diagram showing a hardware configuration of the general-purpose computer 600.
  • An electronic payment system when a consumer purchases a product at a retail store and pays for the product, payment can be made electronically via a communication network.
  • a communication network In the following, consumers are called users.
  • FIG. 1 is a configuration diagram of the electronic payment system of the present embodiment.
  • the electronic settlement system includes a cashier terminal 10 as an example of a billing terminal, a user terminal 20 as an example of a payment terminal, a settlement server 30 as an example of a settlement device, and a carrier server 4.
  • a cash register database 5 as an example of a billing terminal database
  • a user database 60 as an example of a payment terminal database
  • a user account database 70 The communication line 18 is a communication line connecting the cashier terminal 10 and the settlement server 30 and may be either a telephone line or a dedicated line.
  • the wireless communication transmission path 28 is used to transmit wireless telephone communication between the user terminal 20 and the carrier server 40. It is a transmission route.
  • the communication line 38 is a communication line connecting the carrier server 40 and the settlement server 30 and may be either a telephone line or a dedicated line.
  • the cashier terminal 10 has a sales history database 15.
  • the cashier terminal 10 calculates the price of the product purchased by the user at the retail store, and bills the user for payment.
  • FIG. 2 is a schematic diagram of the cashier terminal 10.
  • the cashier terminal 10 includes a customer-side display unit 300, a cashier-side display unit 302, a cashier body 304, a keyboard unit 310 for inputting a passcode, and a barcode 2
  • a pattern code reading unit 308 for reading a pattern code such as a cybercode which is a three-dimensional barcode.
  • the cashier terminal 10 has a communication function of connecting to the settlement server 30 via a telephone line or a dedicated line.
  • the customer-side display unit 300 has a display screen such as a liquid crystal display or an LCD for displaying character information on the back side of the cashier terminal 10 and displays the total price of the product and notifies the user.
  • the cashier-side display unit 302 displays the calculation process of the price of the product and the process of electronic payment.
  • the keyboard section 306 is used when the user inputs a password.
  • the pattern code reading section 308 reads a pattern code displayed on the display section 350 by the user terminal 20.
  • An example of the user terminal 20 is a wireless communication means such as a pager or a mobile phone.
  • FIG. 3 is a configuration diagram of the user terminal 20.
  • the user terminal 20 includes a display unit 355, a storage unit 356, a conversion unit 358, and a reception unit 360.
  • the display section 355 has a message display section 350 for displaying a message, and a pattern code display section 354 for displaying a pattern code.
  • the storage unit 356 stores a user ID for identifying a user, a transaction identification number for identifying a transaction, and the like.
  • the conversion unit 358 converts a user ID, a transaction identification number, and the like into a pattern code.
  • the receiving unit 360 receives information transmitted from the settlement server 30 via the wireless communication transmission path 28.
  • the user ID can be a phone number of a pager or a mobile phone, or a user-specific identification number.
  • FIG. 4 is a diagram illustrating an example in which a bar code is displayed on the pattern code display section 354 of the user terminal 20.
  • Conversion unit 3 5 8 converts the user ID to the barcode one de
  • pattern code display unit 3 5 4 converts barcode displayed.
  • a message such as "Please read the code at the cashier.” Is displayed at the same time.
  • the user of the user terminal 20 displays the displayed bar code on the person in charge of the cashier terminal 10 To present.
  • the person in charge of the cashier terminal 10 reads the bar code displayed on the pattern code display section 354 of the user terminal 20 using the pattern code reading section 308, and acquires the user ID.
  • the user may operate the pattern code reading unit 308 of the cashier terminal 10 to read the bar code displayed on the pattern code display unit 354 of the user terminal 20.
  • FIG. 5 is a diagram illustrating an example in which a cybercode is displayed on the barcode display unit 354 of the user terminal 20.
  • the conversion section 358 converts the user ID into a cybercode which is a two-dimensional pattern code
  • the pattern code display section 354 displays the converted cybercode. Displays the display.
  • a message such as “Please read the code at the cashier.” Is displayed at the same time, and the user of the user terminal 20 displays the displayed server code on the cashier terminal 10 in charge.
  • the person in charge of the cashier terminal 10 reads the cyber code displayed on the pattern code display unit 354 of the user terminal 20 using the turn code reading unit 308, and acquires the user ID.
  • the user may operate the pattern code reading unit 308 of the cashier terminal 10 to read the cybercode displayed on the pattern code display unit 354 of the user terminal 20.
  • FIG. 6 is a diagram illustrating an example in which a mobile phone is used as the user terminal 20.
  • the user terminal 20 has an antenna 400 for receiving information from the settlement server 30, a display section 402 for displaying a message and a pattern code, and a processing start button 404. The operation is the same as that of the user terminal 20 in FIG.
  • the user terminal 20 is connected to the carrier server 40 via the wireless communication transmission line 28.
  • the carrier server 40 is connected to the settlement server 30 via a communication line 38. Therefore, the user terminal 20 can perform data communication with the settlement server 30.
  • the settlement server 30 performs a settlement process for a commodity transaction between the retail store and the user.
  • the payment server 30 includes a cashier database 50 storing information on cashier terminals 10, a user database 60 storing information on user terminals 20, and information on a user's credit account or bank account. It can be connected to the user account database 70 that stores the information, and information can be searched and acquired from each database.
  • the payment server 30, the registrar database 50, the user database 60, and the user account database 70 may be provided in a credit company or bank network. Only the user account database 70 is set up in the credit company or bank network, and the payment server 30 is connected to the user account database 70 via a dedicated line.
  • Figure 7 shows the configuration of the payment server 30 is there.
  • the payment server 30 includes a processing unit 80 for processing the payment, a storage unit 81 for storing processing results, time information, and the like, and a first communication unit 82 for processing data communication via the communication line 18. And a second communication unit 84 for processing data communication via the communication line 38 and the wireless communication transmission line 28, a cash register database 50, a user database 60, and a user account database 70, A database search unit 86 for searching database information.
  • FIG. 8 is a diagram showing an example of the cashier terminal information 500 stored in the cashier database 50.
  • the cashier terminal information 500 stores a cashier registration number for identifying the cashier terminal 10, a retail store name, a store name, a cashier terminal number, and an authentication method designated by the retailer or cashier terminal 10.
  • the authentication method is specified to perform both visual authentication and password authentication.
  • FIG. 9 is a diagram showing an example of the user information 600 stored in the user database 600.
  • the user information 600 contains the user terminal identification number of the user terminal 20, for example, the calling telephone number, the attribute information of the user, the usage status of the user's electronic payment, the credit card or bank card number, The possible payment amount, the authentication method designated by the user or the user terminal 20, and the authentication data registered by the user are stored.
  • User attribute information is stored in the attribute information file 602, and the user's electronic payment
  • the usage status of the user is stored in the usage status file 604, and the authentication data registered by the user is stored in the authentication data file 606.
  • FIG. 10 is a diagram showing an example of the attribute information file 602. Stores the user's name, age, gender, address, occupation, user's face photo data, and so on.
  • FIG. 11 is a diagram illustrating an example of the usage status file 604. Purchase date and time of electronic payment, purchase identification number, purchase price, and settlement date of credit card or bank card are stored as purchase history.
  • FIG. 12 is a diagram showing an example of the authentication data file 606.
  • authentication data in addition to the PIN, information that only the user knows is registered. For example, your eldest son's birthday, your grandfather's name, your grandmother's name, your mother's maiden name, your hometown, the writer you like, your graduated elementary school, and so on. Randomly select the registered authentication data and ask the user for a question asking for the selected authentication data, for example, "What is your mother's maiden name?" be able to.
  • loop settlement of the electronic settlement system of the present invention
  • Loop payment means the transaction processing of the transaction between the cashier terminal 10 and the user terminal 20 by transmitting information about the transaction so that the cashier terminal 10, the user terminal 20, and the payment server draw a loop. How to do.
  • transactions are settled between a plurality of cashier terminals 10 and a plurality of user terminals 20, so the settlement server 30 requests a specific transaction for the transaction. It is necessary to identify the cashier terminal 10 to perform and the user terminal 20 to pay for the transaction, and perform the settlement process for the transaction between both.
  • Figure 13 is a diagram explaining the outline of “loop settlement”.
  • the pattern code display section 354 displays the user ID converted into the pattern code.
  • the pattern code reader 308 reads the pattern code, and acquires the user ID of the user terminal 20.
  • the cashier terminal 10 transmits the purchase information and the user ID acquired from the user terminal 20 to the settlement server 30.
  • the settlement server 30 uses a transaction identification number to identify the transaction. Issue a number by assigning it to a user ID.
  • the settlement server 30 sends the issued transaction identification number and accounting information to the user terminal 20.
  • the message display section 350 displays the transaction information
  • the pattern code display section 354 converts the user ID and the transaction identification number received from the settlement server 30.
  • the pattern code reading section 308 reads the pattern code displayed by the pattern code display section 354, and acquires the transaction identification information and the user ID issued by the settlement server 30. I do.
  • the cashier terminal 10 connects to the settlement server 30 and transmits the transaction identification number and the user ID acquired from the user terminal 20 to the settlement server 30.
  • the settlement server 30 checks the transaction identification number received from the cashier terminal 10 with the transaction identification number stored in association with the user ID, and confirms whether they match. (10) When it is confirmed that the transaction identification numbers match, the payment server 30 performs the payment process. (11) The settlement server 30 transmits the settlement result to the user terminal 20.
  • the cashier terminal 10 obtains the transaction identification number issued by the settlement server 30 in association with the user ID from the user terminal 20, and sets up the settlement server. If you do not send it to 30, payment will not be made. Therefore, fraudulent payment at the cashier terminal 10 can be prevented. For example, if a cashier at a retail store sends an arbitrary transaction identification number together with a user ID to the payment server 30 in an attempt to perform the payment processing fraudulently, the payment server 30 checks the transaction ID number to perform the processing. The discrepancy between the transaction identification numbers is confirmed, and the settlement process is stopped.
  • the user terminal 20 used in the “loop settlement” need not always be connected to the settlement server 30. The user terminal 20 receives information from the settlement server 30 but does not need to transmit information to the settlement server 30. Therefore, “loop settlement” can be performed by a portable terminal having only one-way communication means such as a pager.
  • FIG. 14 is a flowchart of the settlement processing of the electronic settlement system of the present embodiment.
  • Cashier terminal 10, user terminal 20, and payment server 3 0 is shown in a flow chart along a time line, and mutual information exchange between the cashier terminal 10, the user terminal 20, and the payment server 30 is shown by a horizontal arrow.
  • FIGS. 15 to 20 are flowcharts showing details of the processing in FIG.
  • FIG. 21 is a diagram illustrating an example of a screen of the cashier-side display unit 302 of the cashier terminal 10.
  • FIG. 22 is a view for explaining an example of a screen of the display section 355 of the user terminal 20.
  • the exchange of information between the cashier terminal 10 and the settlement server 30 is performed via the communication line 18 and the information between the user terminal 20 and the settlement server 30.
  • the exchange is performed via a wireless communication transmission line 28 and a communication line 38.
  • the method of accessing the settlement server 30 from the cashier terminal 10 may be either a method of accessing by dialing up from a telephone line or a method of accessing a server gate via a dedicated line.
  • the access method from the settlement server 30 to the user terminal 20 is performed by wireless telephone communication when the user terminal 20 is a pager or a mobile phone.
  • the settlement process will be described with reference to FIG.
  • a user purchases a product and pays for the product at a cash register.
  • the cashier receives a request for payment by electronic payment from the user, selects an electronic payment menu from the cashier terminal 10, and starts a loop payment (100).
  • the cashier-side display unit 302 displays the screen shown in FIG.
  • the processing start button 352 is pressed by the user, and the loop settlement is started (102).
  • the conversion section 358 converts the user ID into a pattern code
  • the display section 355 displays the screen shown in FIG. 22 (a) (104).
  • the pattern code reading section 308 reads the pattern code displayed on the pattern code display section 354 (106).
  • the cashier terminal 10 accesses the settlement server 30 and transmits the user ID and the cashier registration number read from the user terminal 20 to the settlement server 30 (108).
  • the settlement server 30 starts the connection with the cashier terminal 10 in response to the access from the cashier terminal 10 and inquires cashier terminal information based on the cashier registration number transmitted from the cashier terminal 10. (109).
  • the processing of the cashier terminal information inquiry 109 will be described with reference to FIG.
  • the settlement server 30 accesses the cashier database 50 (1090), and extracts cashier terminal information of the cashier terminal corresponding to the cashier registration number (1092).
  • the retail store name, store name, authentication method, and the like are registered.
  • the authentication method includes a visual authentication method and a password authentication method, and the cashier terminal information sets which authentication method to use.
  • the settlement server 30 determines to use the authentication method set in the cashier terminal information (1094). In the following, a description will be given assuming that the use of the visual authentication method has been determined as the authentication method.
  • the settlement server 30 performs a user information inquiry 110 process.
  • the settlement server 30 accesses the user database 60 based on the user ID transmitted from the cashier terminal 10 (1100), and checks whether the user terminal 20 has been registered as a user (1102). ). If the user has not been registered, the message “Not registered” is sent to the user terminal 20 (1 104). The user terminal 20 displays the screen shown in FIG. 22 (b) indicating that the user has not been registered. The settlement server 30 stops the settlement between the cashier terminal 10 and the user terminal 20 (1106
  • the user information is extracted from the user database 60 (1108).
  • the user information contains information on the usage status of the user, and based on the information, checks whether there is any problem with the usage status of the user such as a credit card or a bank card (1110). If there is a problem with the usage status, a message “unavailable” is sent to the user terminal 20 (1 1 1 2).
  • the user terminal 20 displays the screen shown in FIG.
  • the settlement server 30 stops the settlement between the cashier terminal 10 and the user terminal 20 (114).
  • the settlement server 30 proceeds with the next process.
  • the payment server 30 was determined at the cashier terminal information inquiry 109 Authentication is performed based on the authentication method. Here, the authentication processing will be described in the case where it is determined in the cashier terminal information inquiry 109 that the visual authentication is adopted as the authentication method.
  • the settlement server 30 acquires the image of the face photograph of the user from the user database 60 in the user information inquiry 110, and distributes the image data of the face photograph to the cashier terminal 10 (1 1 2).
  • the cashier terminal 10 receives the face image data of the user from the settlement server 30 and performs visual authentication (114).
  • FIG. 21B is a display example of the screen of the cashier terminal 10.
  • the cashier compares the user with the face photo and confirms whether or not he / she is himself (1142). If it is doubtful or the purchase is expensive, the cashier selects the DOUB T button on the screen shown in FIG. 21 (b) and sends a DO UBT signal to the settlement server 30 (1144). If the cashier selects the OK button in FIG. 21 (b), the visual authentication processing 1 14 ends.
  • the settlement server 30 accesses the user database 60 based on the user ID in order to perform password authentication (1146), and from the user database 60, the password data required for password authentication. Is extracted (1148).
  • the settlement server 30 initializes a variable n for storing the number of password requests to 0 (1 150).
  • the settlement server 30 increments n by 1 (1 152), and transmits a password request message to the user terminal 20 and the cashier terminal 10 (1 154, 1 158).
  • the user terminal 20 displays the screen shown in FIG. 22 (d) (1156), and the cashier terminal 10 displays the screen shown in FIG. 21 (c) (1160).
  • the user inputs a password using the keyboard section 310 of the cashier terminal 10 (1162).
  • the cashier terminal 10 transmits the password input by the user to the settlement server 30 (1164).
  • the settlement server 30 receives the password transmitted by the cashier terminal 10 and checks whether the password is correct (1166).
  • a password authentication OK signal is transmitted to the user terminal 20 and the cashier terminal 10 (1 180, 1 1 84). .
  • the user terminal 20 displays the screen of FIG. 22 (e) indicating that the password authentication has been successful (1182).
  • the cashier terminal 10 displays the screen shown in FIG. 21D indicating that the password authentication has been successful (1186), and terminates the visual authentication process 132.
  • the cashier terminal 10 transmits purchase price information including the total purchase price to the settlement server 30 (1 16).
  • the settlement server 30 assigns a transaction ID number to the user ID and issues it (1 17).
  • the transaction identification number is, for example, a sequence of numbers generated by random numbers.
  • the payment server 30 accesses the payment server 30 using the same transaction identification number at the same time as a plurality of cashier terminals 10 or the user terminals 20 at the same time, the payment server 30 associates the user ID with the transaction identification number. become unable. Therefore, a transaction identification number is assigned so that the same transaction identification number is not used more than once in a certain time. However, after a certain period of time, the same transaction identification number may be used again as the transaction identification number. By doing so, it is possible to maintain the uniqueness of the transaction identification number without increasing the transaction identification number.
  • the settlement server 30 has a function of restricting the assignment of the transaction identification number so as not to issue the transaction identification number in the “access waiting” state described later. Therefore, it is possible to more reliably prevent the collision of the transaction identification numbers.
  • a transaction identification number with a small number of digits may cause a collision with a transaction identification number that generates a random number.
  • the collision of the transaction identification numbers can be avoided by devising the range of random numbers so that the transaction identification numbers of the branches do not conflict with each other.
  • a transaction identification number is a number that identifies a transaction. It is a number with a small number of digits that can temporarily identify a transaction, instead of a number with a large number of digits, such as Transaction ID, which is uniquely defined for all transactions.
  • the settlement server 30 sends the issued transaction identification number and accounting information to the user terminal 20 (118). At this time, the settlement server 30 enters an “access waiting” state of waiting for the registration terminal 10 to access using the transaction identification number.
  • the user terminal 20 receives the transaction identification number and the accounting information, and performs the process of accounting information confirmation 120.
  • the processing of the accounting information confirmation 120 will be described with reference to FIG.
  • the message display section 350 displays the transaction information received from the settlement server 30 (122).
  • the user checks the displayed accounting information (1204), and cancels the settlement if the accounting information is incorrect (1206). In this case, the user does not press the processing start button 352, and the pattern code display section 354 does not display the pattern code. If the user confirms that the accounting information is correct, the user presses the processing start button 352, and the pattern code display section 354 displays the pattern code.
  • the conversion unit 358 in the user terminal 20 transmits the user ID and the transaction identification number received from the settlement server 30 to the pattern code. And the screen shown in Fig. 22 (i) is displayed.
  • the pattern code display section 354 displays the pattern code in which the user ID and the transaction identification number have been converted (122).
  • the screen shown in FIG. 22 (f) is displayed, and the pattern code reading section 308 reads the pattern code displayed on the pattern code display section 354 (1 2 4) .
  • the cashier terminal 10 accesses the payment server 30 and the user terminal
  • the user ID and transaction identification number read from 20 are transmitted to the settlement server 30 (122).
  • the payment server 30 receives the user ID and the transaction identification number transmitted by the cashier terminal 10, it performs the transaction identification number collation 128.
  • the settlement server 30 is in an “access waiting” state of waiting for the cashier terminal 10 to access and transmit the transaction identification number. In the “waiting for access” state, the settlement server 30 checks the cashier terminal 10 and the user terminal 20 if there is a cashier terminal 10 that accesses the transaction ID number assigned to the user ID using the same transaction ID number. Settlement processing is performed between.
  • a timeout is set, and the access wait from the cashier terminal 10 is limited to, for example, three minutes. If there is no access from the registrar terminal 10 even after the time limit expires, the settlement server 30 stops settlement and initializes. This timeout function is set to avoid troubles when the communication between the payment server 30 and the user terminal 20 is bad and the information is not normally transmitted from the payment server 30 to the user terminal 20. You.
  • the storage unit 81 stores a message when the first communication unit 82 receives a user ID from the cashier terminal 10 and the processing unit 80 assigns a transaction ID number to the user ID and issues it. Stores the first time of.
  • the second communication unit 84 transmits the transaction identification number to the user terminal 20. Thereafter, the second time when the user ID and the transaction identification number are received from the cashier terminal 10 is compared with the first time, and if the time does not exceed the set time of the timeout setting, the settlement processing is performed.
  • the settlement server 30 is in the “waiting for access” state, has access from the cashier terminal 10, and checks whether the transaction identification number has been transmitted from the cashier terminal 10 (1 2 8 0) If there is no access, check whether the timeout time has elapsed (1 2 8 2), and if it has, if the transaction identification number sent from the cashier terminal 10 has been assigned, the transaction Cancel payment.
  • the transaction identification number set by the settlement server 30 by assigning it to the user ID and the transaction identification number transmitted from the cashier terminal 10 are set. If the numbers match, the transaction identification number matching error message is transmitted to the cashier terminal 10 and the user terminal 20 (1288).
  • the user terminal 20 displays the screen shown in FIG. 22 (g) indicating the transaction identification number collation error.
  • the settlement server 30 performs a matching process 130 between the purchase amount and the available amount.
  • the settlement server 30 accesses the user database 60 based on the user ID (1300), extracts the usable amount of the user's credit card or bank card (1302), and transmits the usable amount and the cashier terminal 10 to the user.
  • the purchase price is compared with the obtained purchase price (1304). If the purchase price does not exceed the available price, the matching is terminated. If the purchase amount exceeds the available amount, the user terminal 20 sends the message "Usage limit exceeded" (1 306), and stops the settlement process between the cashier terminal 10 and the user terminal 20. Yes (1308). At this time, a screen shown in FIG. 22H is displayed on the user terminal 20, indicating that the purchase price exceeds the available price.
  • the settlement server 30 accesses the user account database 70 and performs settlement processing for recording purchase information (1 32).
  • the settlement server 30 sends a settlement completion notice to the cashier terminal 10 (134), and sends a receipt to the user terminal 20 (136).
  • the cashier terminal 10 displays the screen of FIG. 21 (g) indicating that the payment is completed (138).
  • the user terminal 20 displays the screen of FIG. 22 (j) indicating that the settlement is completed (140).
  • the payment server 30 when the payment server 30 sends the payment completion notification 146 to the cashier terminal 10, the payment server 30 transmits some attribute information regarding the user of the user terminal 20 that has paid for the transaction to the user. It may be extracted from the database 60 and transmitted to the registration terminal 10.
  • the attribute information of the user sent to the cashier terminal 10 is, for example, information on the attribute of the user such as gender and age, and preferably does not include personal information such as a name, address, and a tail card number.
  • Cashier terminal 10 Alternatively, the attribute information of the user who made the payment for the transaction may be acquired, and the transaction information may be associated with the attribute information of the user and accumulated in the sales history database 15 as a sales history.
  • the cashier terminal 10 can extract the purchase behavior of the user, such as the age group of the user who purchases a specific product, from the sales history information accumulated in the sales history database 15, and can perform marketing of the product. It can be used for
  • the payment server 30 receives the total purchase price of the product from the cashier terminal 10, but receives detailed information on the purchased product, such as the name and unit price of the purchased product, and stores it in the user database 60. It may be recorded as the purchase history of the user.
  • the payment server 30 performs the cashier terminal information inquiry 1 09, user information inquiry 1 110, transaction identification number issue 1 1 7, transaction identification number collation 1 2 8, purchase amount available
  • the processing of the amount matching 130, the settlement processing 132, and the like are performed by the processing unit 80 and the database search unit 86 of the settlement server 30.
  • the payment server 30 is a data communication performed with the cashier terminal 10, a user ID transmission 108 from the cashier terminal 10, a user face photograph image transmission to the cashier terminal 10 1 12, and a cashier terminal 10.
  • the first communication unit 82 of the settlement server 30 performs the processing of receiving the purchase amount information 1 16 and the settlement completion notification 1 34 from the settlement server 30.
  • the processing of the transaction information and transaction identification number transmission 1 18 to the user terminal 20 and the receipt notification 1 36 to the user terminal 20 which is the data communication performed by the settlement server 30 with the user terminal 20 is as follows.
  • the second communication unit 84 of the settlement server 30 performs the processing.
  • the cashier at the retail store can authenticate the user based on the photograph data of the user, and in the case of suspicion or expensive payment, can further request the user to input a password. Therefore, depending on the situation, the accuracy of authentication Can be raised.
  • the user can easily and safely make a payment using a wireless communication device such as a pager or a portable terminal.
  • the settlement server 30 extracts the face photograph data of the user from the user database 60 and sends it to the cashier terminal 10 so that the cashier can authenticate whether the user is himself.
  • the payment server 30 extracts password information from the user database 60, sends a password request command to the user terminal 20 and prompts the user to input a password from the cashier terminal 10, and the payment server 30 Send to 0.
  • the settlement server 30 checks the transmitted password against the password registered in the user database 60, and transmits the success or failure of the authentication to the cashier terminal 10.
  • the accuracy of authentication can be improved by performing a complex authentication such as combining other authentication methods such as password authentication.
  • the payment server 30 checks the usage status of the electronic payment by the user by extracting the usage status file 604 stored in the user database 60. However, the number of times of electronic payment is stored, displayed on a bar code together with the user ID, read by the cashier terminal 10, transmitted to the payment server 30, and the payment server 30 is transmitted from the user terminal 20. The number of times of use may be compared with the settlement history stored in the use status file 604.
  • the user terminal 20 may issue an arbitrary code number for loop confirmation.
  • the user terminal 20 displays the code number issued by the user terminal as a bar code, causes the cashier terminal 10 to read the code number, transmits the code number to the payment server 30, receives the code number from the payment server 30, and By confirming whether or not 0 is the same as the issued code number, it can be determined whether or not the settlement processing is normally performed.
  • the settlement server 30 transmits the transaction identification number issued in association with the user ID to the user terminal 20.
  • the user terminal 20 displays the transaction identification number as a bar code and causes the cashier terminal 10 to read it.
  • the settlement server 30 transmits the issued transaction identification number, the transaction identification number received from the cashier terminal 10 and And settle the payment. If the cashier terminal 10 does not acquire the transaction identification number from the user terminal 20, the cashier terminal 10 will not perform the settlement processing. Therefore, since the cashier terminal 10 cannot proceed with the settlement process without obtaining the approval of the user terminal 20, unauthorized transaction can be prevented.
  • the settlement server 30 searches the cashier terminal information stored in the cashier database 50, extracts the authentication method specified by the retail store or cashier terminal 10, and extracts the extracted authentication method.
  • the second embodiment is characterized in that the user or the user terminal 20 can specify the authentication method, and determines the method of authenticating the user based on the user-specified authentication method and the cashier terminal-specified authentication method. This is different from the first embodiment. A description of the same configuration and operation as in the first embodiment will be omitted.
  • FIG. 24 is a view for explaining an example of the authentication method stored in the authentication method field of the cashier terminal information 500.
  • the authentication methods specified by the retail store or cashier terminal 10 include visual authentication and password authentication, such as no authentication, visual authentication or password authentication, visual authentication only, pass-only authentication, visual authentication and pass-pad authentication, etc.
  • visual authentication and password authentication such as no authentication, visual authentication or password authentication, visual authentication only, pass-only authentication, visual authentication and pass-pad authentication, etc.
  • the type that specifies the authentication method using at least one if the purchase amount is, for example, 10,000 yen or more, visual authentication and password authentication are performed.
  • FIG. 25 is a diagram illustrating an example of an authentication method stored in the authentication method field of the user information 600.
  • type U1 is without authentication specification.
  • the authentication method specified by the cashier terminal 10 is used.
  • Type U2 is for password authentication, and is used when the user always wants to perform password authentication.
  • Type U3 is a visual authentication rejection, and is used when the user does not want the cashier to perform authentication using face photograph data.
  • Type U4 is based on the purchase price, for example, if the purchase price is 5,000 yen or more, the password must be authenticated. It is a type that changes the authentication method.
  • FIG. 26 is a diagram illustrating an authentication method agreed between the cashier terminal 10 and the user terminal 20 based on the authentication method specified by the cashier terminal 10 and the authentication method specified by the user terminal 20. It is. If the user does not specify the authentication method, the authentication method specified by the cashier terminal 10 is actually performed. If the user does not specify the authentication method and the cashier terminal 10 specifies no authentication, no authentication is performed. This is used when proceeding with electronic payment without authentication, such as in the case of small payments. When the user does not specify an authentication method and the cashier terminal 10 specifies visual authentication or password authentication, at least one of visual authentication and password authentication is performed.
  • the person in charge of the cashier terminal 10 may select either visual authentication or password authentication, or may perform password authentication when it is difficult to authenticate a user by visual authentication. If the user does not specify an authentication method and the cashier terminal 10 specifies only visual authentication, only visual authentication is actually performed. Even if the user cannot be authenticated by visual authentication, password authentication is not performed. If the user does not specify an authentication method and the cashier terminal 10 specifies only password authentication, only password authentication is actually performed, and visual authentication is not performed. When the user does not specify the authentication method and the cashier terminal 10 specifies the visual authentication and the password authentication, both the visual authentication and the password authentication are actually performed. For example, even if the user can be authenticated by visual authentication, password authentication is further performed to increase the accuracy of the authentication.
  • both visual authentication and password authentication are actually performed.
  • the cashier terminal 10 specified only visual authentication, but the user requires not only visual authentication but also password authentication to perform highly accurate authentication, so password authentication is combined with visual authentication. And executed. As described above, when the user requests an authentication accuracy higher than the authentication accuracy requested by the cashier terminal 10, the authentication method with the higher authentication accuracy is actually performed. If the user specifies the addition of password authentication and the cashier terminal 10 specifies only password authentication, the authentication accuracy required between the cashier terminal 10 and the user matches, so only password authentication is actually performed. No visual authentication is performed. If the user specifies the addition of password authentication and the cashier terminal 10 specifies visual authentication and password authentication, the authentication accuracy required between the cashier terminal 10 and the user matches, and the visual authentication and password authentication Both are actually done.
  • the user can display the face photograph data on the cashier terminal 10 and reject the authentication.
  • the cashier terminal 10 specifies visual authentication or password authentication
  • FIG. 27 is a flowchart of the settlement processing of the electronic settlement system of the present embodiment.
  • FIGS. 28 to 31 are flowcharts showing details of the processing in FIG. The settlement process will be described with reference to FIG.
  • the processing other than the processing of the user information inquiry 210 and the processing of the user authentication 220 is the same as the corresponding processing of the first embodiment shown in FIG.
  • the process of the user information inquiry 210 will be described with reference to FIG.
  • the settlement server 30 accesses the user database 60 based on the user ID (2100), and searches for user information associated with the user ID. It is checked whether or not there is user information associated with the user ID in the user database 60, and it is checked whether or not the user terminal 20 has been registered as a user (2102). If the user has not been registered, the message “Not registered” is sent to the user terminal 20 (2104). A screen indicating that the user has not been registered is displayed on the user terminal 20, and the settlement server 30 stops the settlement between the cashier terminal 10 and the user terminal 20 (2106).
  • the user information 6010 is extracted from the user database 60 (2108).
  • the user information 600 includes the attribute information of the user, the usage status of the user's electronic payment, the credit card or bank card number, the amount that can be settled, and the user or user terminal 20.
  • the authentication method to be specified is stored.
  • the settlement server 30 extracts the authentication method specified by the user or the user terminal 20 (2109).
  • the contents set by the user or the user terminal 20 as the authentication method require a high authentication accuracy such as password authentication addition or a specific authentication method such as visual authentication rejection. They refuse or change the authentication method depending on the payment amount.
  • the settlement server 30 stops the settlement between the cashier terminal 10 and the user terminal 20 (2114). No problem with user usage If so, the settlement server 30 proceeds with the next process.
  • the settlement server 30 determines the authentication method to be actually performed based on the authentication method specified by the cashier terminal 10 and the authentication method specified by the user terminal 20 (2200). As shown in an example in FIG. 26, the authentication methods specified by the cashier terminal 10 and the user terminal 20 are adjusted to determine the authentication method to be actually performed. If there is no authentication method that matches the authentication method specified by the cashier terminal 10 and the user terminal 20, respectively (2204), the settlement server 30 sends a message indicating authentication failure to the user terminal 20, and the settlement is stopped. . If there is a matching authentication method, the process proceeds to step 2206, where user authentication is performed based on the determined authentication method.
  • FIG. 30 is a flowchart of the user authentication process 2206 in the case where password authentication is additionally performed after performing visual authentication.
  • the settlement server 30 extracts the face photograph data of the user from the user database 60 (2208).
  • the settlement server 30 distributes the face photograph image data to the cashier terminal 10 (2110).
  • the cashier terminal 10 displays the face photograph image of the user received from the settlement server 30 (2212).
  • the cashier compares the user with the photograph of the face and confirms whether or not the user is himself (2214). If it is doubtful, the cashier terminal 10 displays on the screen that authentication is not possible according to the instruction of the cashier (2216).
  • the cashier terminal 10 sends an unauthenticated message to the settlement server 30 (2218).
  • the settlement server 30 sends an unauthenticated message to the user terminal 20 (2224).
  • the user terminal 20 displays on the screen that authentication is not possible (2226).
  • FIG. 31 is a flowchart of the process of password authentication 2 222.
  • the password authentication processing of step 1146 and subsequent steps is the same as the processing of the same reference numerals in the first embodiment shown in FIG.
  • Another example of user authentication 220 based on multi-authentication will be described. If the cashier terminal 10 specifies visual authentication or password authentication and the user terminal 20 specifies rejection of visual authentication, the only authentication method actually performed is password authentication. In this case, the settlement server 30 notifies the cashier terminal 10 that the password authentication is performed instead of the user refusing the visual authentication. The cashier terminal 10 displays on the screen that password authentication is to be performed instead of visual authentication by the user. Hereinafter, the same password authentication 2 222 2 processing as in FIG. 31 is performed.
  • Another example of user authentication 220 based on multi-authentication will be further described.
  • the cashier terminal 10 or the user terminal 20 specifies to change the authentication method based on the purchase price.
  • an authentication method is specified in which visual authentication and password authentication are performed when the purchase price is equal to or more than the allowable amount, and when the purchase price is equal to or less than the allowable amount, only visual authentication is performed. If both the cashier terminal 10 and the user terminal 20 specify that the authentication method should be changed depending on whether the purchase amount exceeds the allowable amount, the allowable amount specified by the cashier terminal 10 and the user terminal 20 The authentication method may be switched using the smaller amount as the allowable amount.
  • the settlement server 30 determines whether or not the purchase amount of the user exceeds the allowable amount. If the purchase amount exceeds the allowable amount, the payment server 30 performs the same user authentication process 2206 as in FIG. If the permissible amount is not exceeded, the ability to perform only visual authentication is performed. If the visual authentication is successful, as in the processing of visual authentication 114 in the first embodiment shown in FIG. 17, password authentication is performed. Proceed without payment, and depending on the visual authentication, the user If it cannot be confirmed whether there is, password authentication is further performed.
  • both the cashier terminal 10 and the user terminal 20 specify an authentication method ⁇ , and determine an authentication method that can be agreed between the retailer or cashier and the user.
  • the user can be authenticated. Therefore, it is possible to adjust the authentication method and authentication accuracy required by the user and the authentication method and authentication accuracy required by cashiers and retailers. Also, the authentication method can be changed depending on the purchase price.
  • a user connects to the Internet using a computer with a built-in CCD camera, accesses an online shopping server published on the Internet, purchases a product, and makes a payment. be able to.
  • FIG. 32 is a configuration diagram of the electronic payment system according to the present embodiment.
  • the electronic payment system according to the present embodiment includes a cashier server 14, a virtual cashier terminal 12 as an example of a billing terminal, a user terminal 20 as an example of a payment terminal, and a payment server 3 as an example of a payment device.
  • a carrier server 40 a cash register database 50 as an example of a billing terminal database
  • a user database 60 as an example of a payment terminal database
  • a user account database 70 a user account database 70
  • shopping server 24 a user computer 22.
  • the shopping server 24 is an online shopping server published on the Internet 26.
  • the user computer 22 is a computer of a user connected to the Internet 26 and can access the shopping server 24 to perform online shopping.
  • the cashier server 14 is a server system that acts as a proxy for sales in mail-order sales.
  • the cashier server 14 constitutes a virtual cashier terminal 12 within the server, and performs billing for transactions with users.
  • the settlement server 30 performs a settlement process for merchandise transactions between the mail-order seller and the user.
  • the settlement server 30 connects to the cashier terminal 10 and the user terminal 20 via a communication network to perform data communication.
  • the virtual cashier terminal 1 2 in the cashier server 14 is connected to the payment server 3 via the communication line 18.
  • Communication 8 may be either a telephone line or a dedicated line.
  • the user terminal 20 connects to the carrier server 40 via the wireless communication transmission path 28.
  • the carrier server 40 is connected to the settlement server 30 via a communication line 38.
  • the other components denoted by the same reference numerals as those in FIG. 1 have the same operation and configuration as those in the first embodiment, and thus description thereof will be omitted.
  • FIG. 33 is a flowchart of the settlement processing of the electronic settlement system according to the present embodiment.
  • FIG. 34 is an example of a display screen of the user computer 22.
  • the user connects to the Internet 26 using the user computer 22, accesses the shopping server 24 connected to the Internet 26, and performs online shopping.
  • online shopping the user selects a product while looking at the shopping web page on the shopping server 24.
  • a Web page showing the content of the purchased product and the total price is displayed on the display screen of the user computer 22 as shown in FIG. 34 (a), and the user makes a loop settlement.
  • the loop settlement is started by selecting the button to instruct (700).
  • the user computer 22 accesses the cashier server 14, and the purchase price information including the total purchase price is transmitted to the cashier server 14 (702).
  • the cashier server 14 activates the virtual cashier terminal (704).
  • the virtual cashier terminal 12 is a device or a process serving as a cashier terminal, and may be a terminal device provided in the cashier server, or may be a program started in the cashier server. 4 creates link information (706) and distributes the link information to the user computer 22 (708).
  • the screen shown in FIG. 34 (b) is displayed on the screen of the user computer 22 by the cooperation processing with the cash register server 14.
  • CGI Comb on Gate Interface
  • Fig. 34 (b) The screen shows a “Shopping Details & Description” button and a “Loop Checkout” button.
  • the “loop cashier” button is accompanied by “link information” to the virtual cashier terminal 12 in the cashier server 14. Therefore, when the user presses the “loop cash register” button, the user computer 22 can be connected to a specific virtual cash register terminal 12 in the cash register server 14 (710). When the user presses the “loop register” button, the user computer 22 connects to the virtual cashier terminal 12 and transmits a link information confirmation signal to the virtual cashier terminal 12 (7 12). When receiving the link information confirmation signal from the user computer 22, the virtual cashier terminal 12 transmits a pattern code request signal to the user computer 22 (714).
  • the cashier browser window is activated as shown in FIG. 34 (c), and the virtual cashier terminal is displayed in the cashier browser window. Is drawn, and an instruction to transmit the pattern code is displayed (Step 7 15).
  • the processing start button 352 is pressed by the user, and the loop settlement is started (701).
  • the conversion section 358 converts the user ID into a pattern code
  • the message display section 350 and the pattern code display section 354 display the screen of FIG. 22 (a). (703).
  • the user computer 22 reads the pattern code displayed on the pattern code display section 354 from the CCD camera (716).
  • the user computer 22 transmits the acquired pattern code to the virtual cashier terminal 12 (718).
  • the virtual cashier terminal 12 accesses the payment server 30 and transmits the user ID included in the pattern code transmitted from the virtual cashier terminal 12 to the payment server 30 (720).
  • the settlement server 30 After receiving the user ID, the settlement server 30 performs the processing of the cashier terminal information inquiry 722, the user information inquiry 724, and the pass-pad authentication 726.
  • the processing of the cashier terminal information inquiry 722 is the same as the cashier terminal information inquiry 109 of the first embodiment shown in FIG.
  • the processing of the user information inquiry 724 is the same as the user information inquiry 210 of the second embodiment shown in FIG. You.
  • the process of the password authentication 7 26 is the same as the process of the password authentication 2 10 of the first embodiment shown in FIG. .
  • the payment server 30 After the password authentication 7 26 processing, the payment server 30
  • a transaction identification number is assigned to 1D and issued (728), and the accounting information and the transaction identification number are transmitted to the user terminal 20 (730).
  • the user terminal 20 performs the process of checking the accounting information 732.
  • the processing of the accounting information confirmation 732 is the same as the processing of the accounting information confirmation 120 of the first embodiment shown in FIG.
  • the pattern code display section 354 displays the pattern code obtained by converting the user ID and the transaction identification number (735) .
  • the pattern code displayed on the pattern code display section 354 is read from the CCD camera built in 22 (736).
  • the user computer 22 sends the acquired pattern code to the virtual cashier terminal 12 (738).
  • the virtual cashier terminal 12 accesses the payment server 30 and transmits the user ID and the transaction identification number included in the pattern code transmitted from the virtual cashier terminal 12 to the payment server 30 (740)
  • Payment server 30 receives the user ID and the transaction identification number, and then performs the transaction identification number collation 742, the purchase amount and available amount collation 744, and the settlement process 746. Since these processes are the same as those in the first embodiment, description thereof will be omitted.
  • the payment server 30 transmits a payment completion notification to the virtual cashier terminal 12 (7 4 8), and transmits a receipt notification to the user terminal 20 (7 5 6). .
  • the virtual cashier terminal 12 transmits a payment completion notification to the user computer 22 (750).
  • the user computer 22 displays on the display screen that the payment has been completed. Thereby, the user can know that the settlement of the transaction with the virtual cashier terminal 12 is completed.
  • a user accesses an online shopping server on the Internet with a computer and selects a product to be purchased. Using a user terminal such as a mobile phone, it is possible to settle the price of a product.
  • the settlement server 30 determines the transaction identification number with the user terminal 20. Instead, in the present embodiment, the settlement server 30 The transaction identification number is determined with the cashier terminal 10. In this point, the present embodiment is different from the first embodiment.
  • the configuration and operation of the payment server 30, cashier terminal 10, and user terminal 30 in the electronic payment system are the same as those of the payment server 30, register terminal 10, and user terminal 20 in the first embodiment. Since the operation is the same as the operation, the description is omitted.
  • the settlement process in the electronic settlement system will be described with reference to FIG.
  • the cashier receives a request for payment by electronic payment from the user.
  • loop payment is started (800).
  • the cashier terminal 10 notifies the settlement server 30 that loop settlement is to be performed (820).
  • purchase information indicating the cashier registration number of the cashier terminal 10 and the amount of money purchased by the user are further transmitted.
  • the settlement server 30 starts connection with the cashier terminal 10 in response to the access from the cashier terminal 10 and inquires cashier terminal information based on the cashier registration number transmitted from the cashier terminal 10. (804).
  • the payment server 30 stores the transaction identification information in the cashier registration number received from the cashier terminal 10. (806).
  • the settlement server 30 transmits the issued transaction identification number to the cashier terminal 10 (808).
  • the cashier terminal 10 displays the received transaction identification number and cashier registration number on the cashier-side display unit 302 (810).
  • the user of the user terminal 20 inputs the transaction number and the registration number displayed on the cashier display unit 302 of the cashier terminal 10 into the user terminal 20 (811).
  • the user terminal 20 transmits the input transaction identification number, cashier registration number, and user ID to the settlement server 30 (8 12).
  • the payment server 30 When the payment server 30 receives the transaction identification number from the user terminal 20, the payment server 30 refers to the transaction identification number (814). Next, the payment server 30 refers to the user information based on the received user ID ( 816) Then, based on the queried user information, information for requesting a password corresponding to the user ID is transmitted to the cashier terminal 10 (818). At this time, the cashier terminal 10 displays the password request on the cashier-side display unit 802 (819). The user inputs the password to the user terminal 10 according to this display.
  • the user terminal 10 transmits the input password to the settlement server 30 (820).
  • the settlement server 30 receives the password requested from the cashier terminal 10 from the user terminal 20. Thereby, the settlement server 30 can authenticate the user.
  • FIGS. The operations of the cashier terminal 10, the user terminal 20, and the settlement server 30 in the password request transmission step (8 18) and the password transmission step (820) in the figure are described in FIGS. This is the same as the operation after the user database access stage (1146) in the visual authentication stage (114) described using Fig. 8.
  • a screen displaying "Please enter password” appears instead of the screen shown in FIG. 22 (d).
  • the settlement server 30 creates the user's accounting information based on the purchase information received from the cashier terminal 10 and transmits it to the user terminal 10 (822).
  • the user terminal 20 checks the accounting information, and when the check is completed (824), the completion indicating that the check is completed is completed.
  • the notification is sent to the settlement server 30 (8 26).
  • the payment server 30 checks the purchase information with the available amount of money of the user (828). Next, the settlement server 30 accesses the user account database 70 and performs settlement processing for recording purchase information (830). When the settlement is completed, the settlement server 30 sends a notice of settlement completion to the cashier terminal 10 (832), and sends a receipt to the user terminal 20 (834). The user terminal 20 displays a screen indicating that the payment has been completed (838). This is the end of the operation of the electronic payment system.
  • cashier terminal information inquiry stage (804), transaction identification number collation stage (814), user information inquiry stage (816), check of accounting information (824), and purchase amount are available.
  • the operations of the cashier terminal 10, the user terminal 20, and the settlement server 30 in the matching step (8 2 8) with the money amount are performed at the cashier terminal 10 in each stage of the first embodiment described with reference to FIG. , The user terminal 20 and the operation of the settlement server 30, and the description is omitted.
  • the inquiry step (8 14) of the transaction identification number in the present embodiment the transaction identification number assigned to the registration number in the first embodiment described with reference to FIG. The number is compared with the transaction identification number transmitted from the user terminal 20.
  • the user can easily and safely perform payment using a wireless communication device such as a pager or a portable terminal. it can.
  • a wireless communication device such as a pager or a portable terminal. it can.
  • the cashier terminal 10 does not communicate with the user terminal 20, so that communication with the user terminal 20 is not performed. It does not have to have a function.
  • the settlement server 30 receives transaction information from the user terminal 20 and further receives a confirmation notice regarding accounting information from the user terminal 20. And perform the settlement process. Therefore, as in the first embodiment described with reference to FIG. 13, fraudulent settlement at the cashier terminal 10 can be prevented. Further, in the present embodiment, user terminal 20 receives information from cashier terminal 10 but does not need to transmit information to cashier terminal 10. Therefore, similarly to the first embodiment, the “loop settlement” in the present embodiment can be performed by using a portable terminal having only one-way communication means such as a pager as the user terminal 20.
  • the cashier terminal 10 when the cashier terminal 10 receives the transaction identification number from the settlement server 30 (808), the cashier terminal 10 displays the transaction identification number and the cashier registration number. 10)
  • the received transaction identification number and cashier registration number may be transmitted to the user terminal 20.
  • the cashier terminal 10 has the communication function of the user terminal 20.
  • the user terminal 20 receives the transaction identification number and the cashier registration number transmitted from the cashier terminal 10, and transmits the received transaction identification number and cashier registration number, and also the user ID to the settlement server 30.
  • the user does not need to input the transaction identification number and the cash register number displayed on the cashier terminal 10.
  • the cashier terminal 1 ⁇ transmitted the transaction request to the settlement server 30, but instead, the user terminal 20 transmits the transaction request to the settlement server 30. It may be sent to 30.
  • the cashier terminal 10 displays the cashier registration number, and the user sends a transaction request to the settlement server 30 together with the displayed cashier registration number.
  • the settlement server 30 can identify the cashier terminal 10 and assign it to the cashier registration number to issue a transaction identification number.
  • the settlement server 30 transmits the password request to the cashier terminal 10 (8 18), but instead, the settlement server 30 transmits the password request to the user terminal 20. You may send a password request.
  • user authentication is performed using a password, but as in the first embodiment, visual authentication and a password may be used together. .
  • FIG. 36 shows an electronic payment system according to a fifth embodiment of the present invention.
  • user terminal 20 is an IC chip external to the housing of user terminal 20. 380.
  • the IC chip 380 has, for example, a strong seal adhered to the back surface, so that it can be attached to the user terminal 20.
  • the radio wave generated by the IC chip 380 hardly affects the circuit inside the user terminal 20.
  • the IC chip 380 of the user terminal 20 stores an IC chip ID for identifying the present IC chip 380.
  • the IC chip 380 transmits the stored IC chip ID by wireless communication.
  • the cashier terminal 10 has a sensor 320 that can wirelessly communicate with the IC chip 380 of the user terminal 20.
  • the electronic payment system of the present embodiment is different from the electronic payment systems of the other embodiments.
  • the sensor 320 when the user terminal 20 approaches the sensor 320 of the cashier terminal 10, the sensor 320 reads the IC chip ID from the IC chip 380 of the user terminal 20.
  • the sensor 320 may read the IC chip ID from the IC chip 380 when the user terminal 20 approaches within approximately 10 cm.
  • the IC chip 380 has a unique IC chip ID. Therefore, the user terminal 20 can be identified by the IC chip ID of the IC chip 380 externally attached to the user terminal 20. That is, the sensor 320 can read the IC chip ID as the user terminal ID in place of the telephone number of the user information 600 in the first embodiment described with reference to FIG. 9, for example.
  • the cashier terminal 10 and the user terminal 20 according to the present embodiment are different from the cashier terminal 10 and the user terminal 20 according to the first to fourth embodiments.
  • the IC chip 380 is detachably attached to the housing of the user terminal 20. Therefore, even when the user changes his / her own user terminal 20 to another mobile terminal due to, for example, model change, the user can attach the IC chip 380 to the mobile terminal after the change. Therefore, even when the user terminal 20 is changed, the user ID does not need to be changed.
  • the settlement server 30 of the present embodiment embeds a communication command for establishing communication between the user terminal 20 and the cashier terminal 10 in an electronic mail, and embeds the electronic mail in the user terminal. It has the function of transmitting to 20.
  • the settlement server 30 of the present embodiment is different from the settlement servers 30 in the first to fourth embodiments.
  • a settlement process in the electronic settlement system according to the present embodiment will be described with reference to FIG. 14 showing a settlement process in the electronic settlement system according to the first embodiment.
  • the sensor 320 of the cashier terminal 10 is The user ID is read from the IC chip 380 of the user terminal 10. That is, after the cashier terminal 10 and the user terminal 20 start the loop settlement, when the user and the user terminal 10 are brought closer to the sensor 320 of the cashier terminal 10, the sensor 320 becomes The user ID is read from the IC chip 380 external to the user terminal 10.
  • the cashier terminal 10 accesses the settlement server 30 and transmits the user ID and the cashier registration number read from the user terminal 20 to the settlement server 30. At this time, the cashier terminal 10 may transmit the user ID and the cashier registration number to the payment server 30 or the sensor 320 may transmit it to the payment server 30.
  • the processing unit 80 of the settlement server 30 transmits a communication instruction with the cashier terminal 10 corresponding to the received cashier registration number and a transaction identification number. Create an e-mail containing the number.
  • the communication command is a link command instructing to establish communication with the cashier terminal 10.
  • the second communication unit 84 sends the created e-mail to the user terminal 20.
  • the message display section 350 of the user terminal 20 displays the received e-mail.
  • FIG. 37 shows the e-mail displayed by the message display section 350.
  • the screen shown in Fig. 37 (a) is displayed, and then the screen shown in Fig. 37 (b) is displayed.
  • the following processing is performed in place of the pattern code reading step (124) in the first embodiment. That is, if the screen in Fig. 37 (b) is displayed.
  • the communication between the user terminal 20 and the cashier terminal 10 is established by the communication command embedded in the e-mail, and the user ID and the transaction identification number are stored in the user terminal 20.
  • the user terminal 20 can establish communication with the cashier terminal 10 using the e-mail received from the settlement server 30.
  • the cashier terminal 10 transmits the purchase price information after the visual authentication (114).
  • the user ID and the cashier registration number transmission step (108) may further transmit the purchase price information.
  • the settlement server 30 sets a transaction identification number with the user terminal 20 and sets the same transaction ID as the set transaction identification number.
  • a transaction settlement process can be performed between the cashier terminal 10 and the user terminal 20.
  • the other configurations and operations of the cashier terminal 10, the user terminal 20, and the settlement server 30 are the same as those of the cashier terminal 10, user
  • the configuration and the operation of the terminal 20 and the settlement server 30 are the same as those of the terminal 20 and the settlement server 30, so that the description is omitted.
  • the cashier terminal 10 has the sensor 320, but the sensor 320 may be provided integrally with the cashier terminal 10 or may be provided separately. You may. In any case, the cashier terminal 10 and the sensor 320 in the present embodiment access the settlement server 30 using the same line.
  • the cashier terminal 10 and the sensor 320 access the settlement server 30 using the same line.
  • the cashier terminal 10 and the sensor 320 may access the settlement server 30 using different lines.
  • a sensor 320 is provided in association with the cashier terminal 10.
  • the cash register database 50 of the settlement server 30 further has a sensor table indicating the correspondence between the cash register terminal 10 and the sensor 320.
  • FIG. 38 shows a sensor table stored in the cashier database 50 of the settlement server 30 in this example.
  • the sensor table has a cash register number field for storing the cash register number of the cash register terminal 10 and a sensor ID field for storing a sensor ID for identifying the sensor 320.
  • the settlement server 30 is installed in association with the cashier terminal 10 using the sensor table. Sensor 320 can be recognized.
  • the sensor 320 reads the IC chip ID and transmits the read IC chip ID to the settlement server 30.
  • the settlement server 30 receives the IC chip ID from the sensor 320, recognizes the sensor ID, and specifies the cashier terminal associated with the sensor ID in the sensor table. Thereby, the settlement server 30 can specify the cashier terminal 20 with which the user terminal 20 makes a transaction.
  • the cashier terminal 1 replaces the processing in the pattern code display step (104) and the pattern code reading step (106) in the first embodiment.
  • the 0 sensor 320 reads the user ID from the IC chip 380 of the user terminal 10.
  • the sensor 320 transmits the read user ID to the settlement server 30.
  • the settlement server 30 receives the user ID and the sensor ID of the sensor 320 transmitted from the cashier terminal 10.
  • the settlement server 30 specifies the cashier terminal 10 associated with the sensor 320 using the sensor table.
  • the settlement server 30 sends an e-mail to the specified cashier terminal 10.
  • the settlement server 30 can specify the cashier terminal 20 with which the user terminal 20 makes a transaction.
  • the settlement server 30 as an example of the settlement device may be realized by a general-purpose computer.
  • FIG. 39 is a block diagram showing a hardware configuration of the general-purpose computer 800.
  • a CPU 802 operates based on a program stored in a ROM 804 and a RAM 806.
  • the input device 808 allows the administrator of the settlement server 30 to input a data @ command.
  • a hard disk drive 810 as an example of a storage device stores setting information and a program on which the CPU 802 operates.
  • the floppy disk drive 814 reads data or programs from the floppy disk 824 and provides it to the CPU 802.
  • the CD-ROM drive 8 16 reads data or a program from the CD-ROM 826 and provides it to the CPU 802.
  • the first communication interface 8 18 connects to the communication line 18 to transmit and receive data.
  • the second communication interface 820 connects to the communication line 38 to transmit and receive data.
  • the database interface 812 connects to various databases 822 to transmit and receive data in the databases.
  • the payment server 30 is provided with an interface for connecting to the display 828, and the administrator can monitor the operation status of the payment server 30 and check the setting information by using the display 828.
  • the software executed by the CPU 802 is stored in a recording medium such as the floppy disk 824 or the CD-ROM 826 and provided to the user.
  • the software stored on the recording medium may be compressed or uncompressed.
  • the software is installed in the hard disk drive 810 from the recording medium, read out to the RAM 806, and executed by the CPU 802.
  • the functional configuration and operation of the software stored on the recording medium that is, the software installed in the hard disk drive 810, are the same as those of the first, second, third, fourth, and fifth embodiments. Same as the functional configuration and operation of server 30 Therefore, the description is omitted.
  • a floppy disk 8 24 or a CD-ROM 8 26 as an example of a recording medium shown in FIG. 39 has a payment server 30 as an example of a payment apparatus according to all the embodiments described in the present application. Some or all of the functions of this function can be stored. Further, when a part of the operation of the cashier terminal 10 described in the above embodiment is executed by the settlement server 30 instead of the cashier terminal 10, one of the operations of the cashier terminal 10 described in the above embodiment is performed. The part can also be stored on a floppy disk 824 or CD-ROM 826.
  • These programs may be read directly from the recording medium into the RAM and executed, or may be read into the RAM after being installed in the hard disk drive and executed. Further, the program may be stored on a single recording medium or on a plurality of recording media. Also, it may be stored in an encoded form. Recording media include floppy disks, CD-ROMs, optical recording media such as DVDs, magnetic recording media such as MDs, magneto-optical recording media such as PDs, tape media, magnetic recording media, IC cards and miniatures. A semiconductor memory such as a single card can be used.
  • a storage device such as a hard disk or a RAM provided in a server system connected to a dedicated communication network or the Internet may be used as a recording medium, and the program may be provided to the settlement server 30 via the communication network.
  • a recording medium is used only for manufacturing the settlement server 30, and the manufacturing and sales of such a recording medium as a business constitute infringement of the patent right based on the present application. Is clear.
  • the communication terminal 18 and the communication line 18 for connecting the cashier server 14 to the settlement server 30 are described.
  • a telephone line and a dedicated line wireless communication or the Internet may be used.
  • the communication line 18 is the Internet, it is desirable to use a secure communication method in order to secure the communication with the settlement server 30.
  • the communication path between the carrier server 40 and the settlement server 30 and the communication path between the cashier terminal 10 or the cashier server 14 and the settlement server 30 are bit-filtered.
  • the cashier terminal 10 and the cashier server 14 In order for the user terminal 20, the cashier terminal 10, and the cashier server 14 to detect the data format ⁇ bit pattern exchanged with the settlement server 30, the first terminal as described above.
  • the cashier does not perform the payment processing unless the transaction identification number issued in association with the user ID is acquired from the user and transmitted to the settlement server 30. . Therefore, the cashier cannot proceed with the settlement without obtaining the approval of the user, thereby preventing unauthorized transactions.
  • the cashier at the retail store can authenticate the user with face photo data, and in the case of suspicion or expensive payment, can request the user to further input a password. Accuracy can be improved.
  • the user can easily and safely make a payment using a jar or a portable device having a wireless communication function.
  • both the cashier terminal 10 and the user terminal 20 specify an authentication method, and determine an authentication method that can be agreed between the retailer or the cashier and the user.
  • the user can be authenticated. Therefore, it is possible to adjust the authentication method and authentication accuracy required by the user, and the authentication method and authentication accuracy required by cashiers and retailers. Also, the authentication method can be changed depending on the purchase price.
  • a user accesses an online shopping server on the Internet with a computer, selects a product to be purchased, and uses a user terminal such as a pager to pay for the product. Payment can be done safely. The selection of the product to be purchased is made on the Internet, but the payment can be done safely using a pager or the like, and the user does not have to worry about the personal information being known to the seller of the product. Privacy is protected.
  • the electronic payment system of the present invention has the following advantages for merchants of retail stores, mail-order sales, or online shopping on the Internet.
  • an authentication method By selecting an authentication method, the accuracy of authentication can be easily changed according to the payment amount and the payment scene.
  • expensive payments such as purchasing goods at a jewelry store, the sales representative By authenticating the user with face photo data and combining it with password authentication in case of doubt, the accuracy of the authentication can be reliably increased.
  • the electronic payment system of the present invention has the following advantages for the user.
  • a highly portable communication terminal such as a pager
  • shopping payments can be made electronically anytime and anywhere, eliminating the need to carry cash / credit cards, bank cards, and IC money cards.
  • the user can check the account withdrawal status, available balance, shopping history, and the like using the data bucket communication function of the pager.
  • the electronic payment system of the present invention has the following advantages for credit card companies.
  • the authentication method can prevent unauthorized use of credit cards. Since credit settlement can be performed electronically using a pager, it is not necessary to issue or manage a credit card, and costs can be reduced. Also, by using the multiple authentication method, even if an employee in charge of a credit card company or the like illegally takes out data, it is possible to prevent the user's settlement account from being illegally used.

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Abstract

L'invention concerne un système de règlement électronique simple et sûr. Un terminal (20) utilisateur, par exemple un radiomessageur, communique par radio avec un serveur (30) de règlement dans un commerce. Un terminal caisse enregistreuse (10) dudit commerce communique avec le serveur (30) de règlement par le biais d'une ligne louée. Le radiomessageur reçoit un numéro d'identification de transaction préétabli par le serveur de règlement, affiche ledit numéro sous la forme d'un code à barres, et autorise le terminal caisse enregistreuse (10) à le lire, lequel terminal communique le numéro d'identification de transaction au serveur de règlement. Si le numéro d'identification de transaction, reçu par le serveur de règlement, concorde avec le numéro d'identification de transaction préétabli, le serveur de règlement effectue le règlement. Le responsable du terminal caisse enregistreuse authentifie l'utilisateur par le biais du serveur de règlement. L'utilisateur peut terminer le règlement sans permettre au commerce de connaître ses informations personnelles, par exemple le numéro et le mot de passe de sa carte de crédit, la sécurité s'en trouvant alors améliorée.
PCT/JP2001/000334 2000-05-19 2001-01-18 Systeme de reglement electronique, dispositif de reglement et terminal WO2001088785A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
JP2001585106A JP4546692B2 (ja) 2000-05-19 2001-01-18 電子決済システム、決済装置及び端末
AU2001227070A AU2001227070A1 (en) 2000-05-19 2001-01-18 Electronic settlement system, settlement device, and terminal

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
JPPCT/JP00/03260 2000-05-19
PCT/JP2000/003260 WO2001088782A1 (fr) 2000-05-19 2000-05-19 Systeme et dispositif d'etablissement de donnees electriques et terminal

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US9582801B2 (en) 2009-05-15 2017-02-28 Visa International Service Association Secure communication of payment information to merchants using a verification token
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US9792611B2 (en) 2009-05-15 2017-10-17 Visa International Service Association Secure authentication system and method
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JP2019533250A (ja) * 2016-10-11 2019-11-14 シエン ヴァン ファムＰＨＡＭ， Ｔｈｉｅｎ， Ｖａｎ 装置をペアリングしてアプリケーション要求を用いてタスクを完了するための方法、システム、及び媒体
JP2020052523A (ja) * 2018-09-25 2020-04-02 Kddi株式会社 情報処理装置及び情報処理方法
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JP2021012621A (ja) * 2019-07-09 2021-02-04 日本電気株式会社 処理方法、携帯端末及びプログラム
WO2021048911A1 (fr) * 2019-09-10 2021-03-18 富士通株式会社 Procédé de commande, dispositif de traitement d'informations, système de traitement d'informations et programme de commande

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KR100802555B1 (ko) * 2007-06-22 2008-02-13 한국버추얼페이먼트 주식회사 신용카드 인터넷 안전 결제 처리 방법
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JP2008123041A (ja) * 2006-11-08 2008-05-29 Nippon Telegr & Teleph Corp <Ntt> 本人証明システム及び本人証明方法
WO2009003030A3 (fr) * 2007-06-25 2009-02-19 Visa Int Service Ass Système de paiement mobile sécurisé
US10726416B2 (en) 2007-06-25 2020-07-28 Visa International Service Association Secure mobile payment system
US8229852B2 (en) 2007-06-25 2012-07-24 Visa International Service Association Secure mobile payment system
US10043178B2 (en) 2007-06-25 2018-08-07 Visa International Service Association Secure mobile payment system
WO2009087916A1 (fr) * 2008-01-11 2009-07-16 Aplico System Co., Ltd. Dispositif serveur dépositaire
US9715681B2 (en) 2009-04-28 2017-07-25 Visa International Service Association Verification of portable consumer devices
US10572864B2 (en) 2009-04-28 2020-02-25 Visa International Service Association Verification of portable consumer devices
US10997573B2 (en) 2009-04-28 2021-05-04 Visa International Service Association Verification of portable consumer devices
US10043186B2 (en) 2009-05-15 2018-08-07 Visa International Service Association Secure authentication system and method
US10009177B2 (en) 2009-05-15 2018-06-26 Visa International Service Association Integration of verification tokens with mobile communication devices
US9582801B2 (en) 2009-05-15 2017-02-28 Visa International Service Association Secure communication of payment information to merchants using a verification token
US10846683B2 (en) 2009-05-15 2020-11-24 Visa International Service Association Integration of verification tokens with mobile communication devices
US9372971B2 (en) 2009-05-15 2016-06-21 Visa International Service Association Integration of verification tokens with portable computing devices
US9792611B2 (en) 2009-05-15 2017-10-17 Visa International Service Association Secure authentication system and method
US9904919B2 (en) 2009-05-15 2018-02-27 Visa International Service Association Verification of portable consumer devices
US10387871B2 (en) 2009-05-15 2019-08-20 Visa International Service Association Integration of verification tokens with mobile communication devices
US11574312B2 (en) 2009-05-15 2023-02-07 Visa International Service Association Secure authentication system and method
US10049360B2 (en) 2009-05-15 2018-08-14 Visa International Service Association Secure communication of payment information to merchants using a verification token
EP2460133A4 (fr) * 2009-07-31 2013-08-28 Think Comp Corp Procédé et système pour transférer un paiement électronique
US10657528B2 (en) 2010-02-24 2020-05-19 Visa International Service Association Integration of payment capability into secure elements of computers
US9424413B2 (en) 2010-02-24 2016-08-23 Visa International Service Association Integration of payment capability into secure elements of computers
US9589268B2 (en) 2010-02-24 2017-03-07 Visa International Service Association Integration of payment capability into secure elements of computers
JP2011210171A (ja) * 2010-03-30 2011-10-20 Japan Research Institute Ltd 決済サーバ、決済システム、決済方法および決済プログラム
JP2012027824A (ja) * 2010-07-27 2012-02-09 Japan Research Institute Ltd 決済システム、決済方法および決済プログラム
JP2013539145A (ja) * 2010-10-05 2013-10-17 イー２インタラクティブ，インコーポレーテッド・ディー／ビー／エー・イー２インタラクティブ，インコーポレーテッド 複合的な、請求の支払取引を実施するシステムおよび方法
JP2012216155A (ja) * 2011-04-01 2012-11-08 Japan Research Institute Ltd 決済サーバおよび決済システム
US10282724B2 (en) 2012-03-06 2019-05-07 Visa International Service Association Security system incorporating mobile device
US11995633B2 (en) 2012-03-06 2024-05-28 Visa International Service Association Security system incorporating mobile device
JP2019533250A (ja) * 2016-10-11 2019-11-14 シエン ヴァン ファムＰＨＡＭ， Ｔｈｉｅｎ， Ｖａｎ 装置をペアリングしてアプリケーション要求を用いてタスクを完了するための方法、システム、及び媒体
JP2020052523A (ja) * 2018-09-25 2020-04-02 Kddi株式会社 情報処理装置及び情報処理方法
JP2021012621A (ja) * 2019-07-09 2021-02-04 日本電気株式会社 処理方法、携帯端末及びプログラム
WO2021048911A1 (fr) * 2019-09-10 2021-03-18 富士通株式会社 Procédé de commande, dispositif de traitement d'informations, système de traitement d'informations et programme de commande
JPWO2021048911A1 (fr) * 2019-09-10 2021-03-18
JP7188606B2 (ja) 2019-09-10 2022-12-13 富士通株式会社 制御方法、情報処理装置、情報処理システム及び制御プログラム

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AU2001227070A1 (en) 2001-11-26
AU4779300A (en) 2001-11-26
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JP4546692B2 (ja) 2010-09-15
WO2001088782A1 (fr) 2001-11-22

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