JP2001291030A - Electronic account settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an electronic account settlement system and account settlement method for enabling a user to select an account settlement method in an electronic commerce system. SOLUTION: This electronic account settlement system is composed of an information terminal 101, a portable terminal 102, a shop server 103 and an account settlement server 104 respectively connectable to a communication network. Secret information generated between the information terminal 101 and the shop server 103 is ciphered by cipher key information generated between the information terminal 101 and the shop server 103, the portable terminal 102 transmits the ciphered secret information and the identification information of the portable terminal 102 to the shop server 103 and the shop server 103 requests account settlement to the account settlement server 104 on the basis of the identification information of the portable terminal 102. Thus, an account settlement procedure is taken between the portable terminal 102 and the shop server 103.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic payment system and a payment system in electronic commerce in which a user can select a payment method.

[0002]

2. Description of the Related Art As a first prior art, Japanese Patent Laid-Open No. 11-2
The technique disclosed in Japanese Patent Publication No. 03358 discloses a prepaid system in which settlement processing is speeded up by offline settlement using a portable terminal device or an IC card, and in which settlement is delayed.

A second prior art is disclosed in Japanese Patent Application Laid-Open No. 11-25 / 1999.
In the technology disclosed in Japanese Patent No. 0163, an off-line terminal accumulates amount information and a payee using a pay service with respect to a network, and transmits the accumulated amount information and the payee from an on-line terminal to a payment processor. By completing the sending settlement processing, the use of the paid service and the time difference settlement processing in the offline terminal are realized.

[0004]

In the first prior art, the terminal that receives the service and the terminal that performs the payment processing are the same device, and the payment method selection is not realized.

In the above-described second technique, information transfer between an offline terminal and an online terminal must be performed via a tangible object such as an IC card. Further, similarly to the first related art, selection of a settlement method is not realized.

[0006] The present invention has been made in view of the above-mentioned conventional problems, and has as its object to provide an electronic commerce system that allows a user to select a settlement method.

[0007]

In order to solve the above problems, the present invention employs the following constitution.

[0008] In the invention according to claim 1, an electronic payment system comprises an information terminal, a portable terminal, a store server, and a payment server, and secret information generated between the information terminal and the store server is stored in the information terminal and the store server. The store server receives the encrypted information and the identification information of the mobile terminal from the mobile terminal, and the payment server transmits the identification information of the mobile terminal from the store server. Receiving the payment request, the payment procedure is performed between the mobile terminal and the store server.

[0009] Thereby, the settlement procedure between the information terminal and the store server and the settlement procedure between the portable terminal and the store server become possible. The payment procedure can be performed at.

[0010] In the invention according to claim 2, as a payment system, the store server decrypts the encrypted information received from the mobile terminal with the encryption key information, so that the store server connects the mobile terminal. Authenticated.

[0011] Accordingly, the settlement procedure between the information terminal and the store server and the settlement procedure between the mobile terminal and the store server using the encryption key information can be performed, and the secret of the settlement can be protected. Become.

In the invention according to claim 3, as a settlement method, the information terminal and the store server generate secret information and encryption key information, and the information terminal encrypts the secret information with the encryption key information. And the mobile terminal receives the encrypted confidential information from the information terminal, and the store server transmits the encrypted confidential information and the identification of the mobile terminal from the mobile terminal. Receiving the information and the payment server receiving the identification information of the mobile terminal from the store server.

[0013] This enables a settlement procedure between the information terminal and the store server and a settlement procedure between the portable terminal and the store server, so that the user can use the portable terminal even if the user does not own the information terminal. The payment procedure can be performed at.

[0014] In the invention according to claim 4, an electronic payment system comprises an information terminal, a portable terminal, a store server, and a payment server, and secret information generated between the information terminal and the store server is stored in the information terminal and the store server. The mobile terminal receives the encrypted information and the identification information of the store server from the information terminal, and encrypts the encrypted information with the identification of the store server. The payment server receives the information and the identification information of the mobile terminal from the mobile terminal, and the payment server authenticates the mobile terminal from the identification information of the mobile terminal, and transmits a guarantee of payment to the store server. And the store server will be settled.

This makes it possible to perform a settlement procedure between the information terminal and the store server and a settlement procedure between the portable terminal and the store server. The payment procedure can be performed at.

In the invention according to claim 5, the information terminal includes a communication unit with the portable terminal, a communication unit with the store server, and a unit for generating secret information and encryption key information with the store server. Means for controlling the portable terminal.

This makes it possible to perform a settlement procedure between the information terminal and the store server and a settlement procedure between the portable terminal and the store server. The payment procedure can be performed at.

In the invention according to claim 6, the portable terminal performs a settlement procedure with the store server under the control of the communication means with the information terminal, the communication means with the store server, and the information terminal. Means.

Thus, the settlement procedure between the information terminal and the store server and the settlement procedure between the portable terminal and the store server become possible. The payment procedure can be performed at.

In the invention according to claim 7, the portable terminal performs a settlement procedure with the settlement server under the control of the communication means with the information terminal, the communication means with the settlement server, and the information terminal. Means.

Thus, the settlement procedure between the information terminal and the store server and the settlement procedure between the portable terminal and the store server become possible. The payment procedure can be performed at.

In the invention according to claim 8, the store server comprises:
A communication means for communicating with the information terminal, a communication means for communicating with the mobile terminal, a communication means for communicating with the settlement server, a means for generating secret information and encryption key information between the information terminal, and the information terminal; Means for performing a settlement procedure with the portable terminal.

[0023] Thereby, the settlement procedure between the information terminal and the store server and the settlement procedure between the portable terminal and the shop server become possible. The payment procedure can be performed at.

According to the ninth aspect of the present invention, the settlement server comprises:
A communication unit with a store server and a unit for performing a charging process on the mobile terminal based on the identification information of the mobile terminal received from the store server are provided.

[0025] This enables a settlement procedure between the information terminal and the store server and a settlement procedure between the portable terminal and the store server. The payment procedure can be performed at.

According to the tenth aspect of the present invention, the payment server includes a communication means for communicating with the store server, and a means for performing a charging process on the portable terminal in response to a payment request received from the store server. did.

[0027] This enables a settlement procedure between the information terminal and the store server and a settlement procedure between the portable terminal and the store server. The payment procedure can be performed at.

[0028]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiments of the electronic settlement system of the present invention will be described below in detail with reference to the drawings. In the description of each embodiment, the electronic payment system according to the present invention will be described in detail. However, since the recording medium according to the present invention is a recording medium on which a program for executing the electronic payment system is recorded. The description thereof is included in the following description of the electronic settlement system. Further, the present invention is not limited to the description of the embodiments, and can be implemented in various modes without departing from the gist of the invention.

(First Embodiment) FIG. 1 is a block diagram showing a first embodiment of an electronic settlement system according to the present invention.

The present system is basically composed of computer devices connected by a wired or wireless communication path and software operating on them. The term “computer device” as used herein means a general term for devices including a CPU that operates according to a software program.

Referring to FIG. 1, the system according to the present embodiment includes an information terminal 101, a portable terminal 102, a store server 103, and a settlement server 104, each of which is a wired or wireless public telephone line. It is connected to a communication network constituted by a communication line, a dedicated line, a satellite communication line, and the like.

The information terminal 101 is an STB (Set Top Box) in the present embodiment. STB is an additional device for television installed in homes. It has a function of expanding compressed video transmitted by a broadcasting station and a simple personal computer function that enables the television to be used for multiple purposes. It is a means that did. In addition, the information terminal 101 is often connected to a communication network by wire. However, it is not always connected to the communication network.

The mobile terminal 102 is a notebook computer in the present embodiment. In addition, the mobile terminal 102 is often wirelessly connected to a communication network.
However, it is not always connected to the communication network.

Store server 103 and settlement server 104
Is composed of at least one or more computer devices such as a workstation or a personal computer, and software operating on the computer system. The store server 103 and the settlement server 1
04 is often connected to a communication network by wire. However, it is not always connected to the communication network. The store server 103 is operated and managed by a company that provides goods or services in exchange for value information such as money in response to an order from a user.

The settlement server 104 has a contract with the user regarding the communication of the portable terminal 102, and a trader who has the right to charge the communication fee and the like to the user is provided by
Operated and managed.

FIG. 2 shows the configuration of the information terminal 101. The information terminal 101 includes a data processing unit 201, a storage unit 202, a control program generation unit 203, a random number generation unit 204, a key generation unit 205, an encryption processing unit 206, a broadcast reception unit 207, a communication unit 208, an infrared communication unit 209, and a power supply. Unit 210.

The data processing unit 201 includes the broadcast receiving unit 20
7, processing of data received by the communication unit 208 and the infrared communication unit 209, writing to the storage unit 202, and information terminal 1.
01, generation of a message to the other party communicating with, storage unit 2
02, control program generator 203, random number generator 20
4. Key generation unit 205, encryption processing unit 206, broadcast receiving unit 2
07, the communication unit 208, and the infrared communication unit 209.

The storage unit 202 stores the data received by the broadcast receiving unit 207, the communication unit 208, and the infrared communication unit 209, and stores the portable terminal 1 generated by the control program generation unit 203.
02, the random number generated by the random number generation unit 204, the encryption key data generated by the key generation unit 205, and the information terminal 10 generated by the data processing unit 201.
1 is stored in a message to be communicated with. The control program generator 203 generates a software program for controlling the mobile terminal 102.

The random number generation unit 204 generates a random number for the information terminal 101 to generate common encryption key data with the store server 103.

The key generation unit 205 is based on the random number generated by the random number generation unit 204 and
Generate common encryption key data among the three. Cryptographic processing unit 20
Reference numeral 6 uses the encryption key generated by the key generation unit 205 to perform encryption and decryption processing on the data received from the data processing unit 201 and the generated message. The broadcast receiving unit 207 receives the broadcast data transmitted by the broadcast station and transmits the broadcast data to the data processing unit 201. The communication unit 208
Data communication with the store server 103 is performed. The infrared communication unit 209 performs data communication with the mobile terminal 103 using infrared light. The power supply unit 210 supplies power to each unit.

FIG. 3 shows the configuration of the portable terminal 102. The mobile terminal 103 includes a data processing unit 301, a storage unit 302, a display unit 303, an encryption processing unit 304, a communication unit 305, an infrared communication unit 306, and a power supply unit 307.

The data processing unit 301 processes data received by the communication unit 305 and the infrared communication unit 306, and stores the data in the storage unit 30.
2 and the generation of a message to the other party communicating with the mobile terminal 102, the storage unit 302, the display unit 303,
Encryption processing unit 304, communication unit 305, infrared communication unit 306
Control. The storage unit 302 stores the data received by the communication unit 305 and the infrared communication unit 306, and the data processing unit 3
01 is stored in the message to the other party communicating with the portable terminal 102. The display unit 303 displays the information terminal 10
1 and data transmitted / received to / from the settlement server 104 are displayed.

The encryption processing unit 304 performs encryption and decryption processing on the data received from the data processing unit 301 and the generated message using the encryption key. The communication unit 305 performs data communication with the settlement server 104. The infrared communication unit 306 performs infrared data communication with the information terminal 101. The power supply unit 307 supplies power to each unit.

FIG. 4 shows the configuration of the store server 103. The store server 103 includes a data processing unit 401, a storage unit 40
2. Product ID database 403, product ID conversion unit 40
4, random number generation unit 405, key generation unit 406, encryption processing unit 4
07, and a communication unit 408.

The data processing unit 401 processes the data received by the communication unit 408, writes the data into the storage unit 402, and generates a message to the other party communicating with the store server 103. Product ID converter 404, random number generator 405, key generator 40
6. Control of the encryption processing unit 407 and the communication unit 408. The storage unit 402 stores the product I converted by the product ID conversion unit 404.
D, storage of data received by the communication unit 408, storage of random numbers generated by the random number generation unit 405, storage of encryption key data generated by the key generation unit 406, communication with the store server 103 generated by the data processing unit 401 Of the message to the other party that performs

The product ID database 403 stores product IDs and prices handled by the store server 102. The product ID conversion unit 404 stores the product ID database 4
A process for changing only the ID portion of the product data extracted from the product data 03 is performed. The random number generation unit 405 generates a random number for the store server 103 to generate common encryption key data with the information terminal 101. Key generation unit 406
Generates common encryption key data between the shop server 103 and the information terminal 101 based on the random number generated by the random number generation unit 405.

The encryption processing section 407 performs encryption and decryption processing on the data received from the data processing section 401 and the generated message using the encryption key generated by the key generation section 406. The communication unit 408 includes the information terminal 10
1. Data communication with the mobile terminal 102 and the settlement server 104 is performed.

FIG. 5 shows the configuration of the settlement server 104. The payment server 104 includes a data processing unit 501, a storage unit 50
2, a mobile terminal database 503, and a communication unit 504.

The data processing unit 501 processes the data received by the communication unit 504, writes the data into the storage unit 502, and generates a message to the other party communicating with the settlement server 104, the storage unit 502, the portable terminal database 503, The communication unit 504 is controlled. The storage unit 502 includes a communication unit 504
The storage of the received data and the storage of the message generated by the data processing unit 501 to the other party communicating with the settlement server 104 are performed. The mobile terminal ID database 503 stores the ID of the mobile terminal registered in the settlement server 104. The charging information database 504 stores data indicating a charging amount for each mobile terminal ID. Communication unit 50
5 performs data communication with the store server 103.

The electronic payment system according to the present invention provides the information terminal 101, the portable terminal 102, the store server 103, and the payment server 104 described above to the user.
Provide an electronic commerce system that enables selection of a settlement method.

Next, a settlement procedure using the present invention will be described with reference to FIG. First, the information terminal 101
Receives the broadcast data transmitted from the broadcast station by the broadcast receiving unit 207. The broadcast data is a program or advertisement information, processed by the data processing unit 201, transmitted to a device such as a digital television connected to the information terminal 101, and displayed. The broadcast data includes the IP address of the store server 103 as information and stores the information in the storage unit 202.

When there is a product to be purchased in the displayed program information or advertisement information, the user operates a remote controller attached to the information terminal 101 and transmits an order command to the information terminal 101. At this time, S
A selection screen for settlement by TB or settlement by a notebook computer is displayed. In the embodiment according to the present invention,
Select payment using a laptop computer (electronic payment).

In the information terminal 101 having received the ordering instruction from the remote controller in the processing step (hereinafter simply referred to as “step”) 601, the data processing unit 201
With reference to the IP address of the store server 103 stored in
A connection is made to the store server 103 via the communication unit 208 (step 602). Next, in the information terminal 101, the random number generation unit 204 generates the random number 1. Data processing unit 201
Stores the random number 1 in the storage unit 202 and transmits it to the store server 103 by the communication unit 208. From the information terminal 101,
Store server 10 receiving random number 1 by communication unit 408
In 3, the data processing unit 401 stores the random number 1 in the storage unit 402. Next, the random number generation unit 405 generates a random number 2.
The data processing unit 401 stores the random number 2 in the storage unit 402,
The information is transmitted to the information terminal 101 by the communication unit 408.

Next, in the information terminal 101, the data processing unit 201 stores the random number 2 received by the communication unit 208 in the storage unit 202. The key generation unit 205 generates an encryption key (common key) from the random number 1 and the random number 2 stored in the storage unit 202, and the data processing unit 201 stores it in the storage unit 202 (step 603). At this time, the store server 103
Also, the key generation unit 406 generates the same encryption key (common key) as that generated by the information terminal 101 from the random number 1 and the random number 2 stored in the storage unit 402.

Next, the information terminal 101 is connected to the store server 10.
3 is transmitted to the data processing unit 201.
Is generated. As shown in FIG. 7, this message 701 includes an order request 702, a product ID 703 of a product desired to be purchased, and an information terminal ID 704 as identification information of a device of the information terminal 101 as a header. The encryption processing unit 206 performs an encryption process using the common key stored in the storage unit 202 of the server 101. This message is transmitted by the data processing unit 201 to the communication unit 20.
8 to the store server 103 (step 604).

The store server 103, which has received the message 701 from the information terminal 101 via the communication unit 408, transmits the message 701 to the encryption processing unit 40 by the data processing unit 401.
7 The encryption processing unit 407 performs a decryption process on the message 701 using the common key stored in the storage unit 402. The data processing unit 401 verifies the order request 702 of the decrypted message 701, and
3 is compared in the product ID database 403. After confirming the validity of the order request 702 and the product ID 703,
The data processing unit 401 has a product ID 703 and an information terminal ID 7
04 is stored in the storage unit 402 (step 605).

Next, the data processing unit 4 of the store server 103
01 generates a session ID of the current connection between the information terminal 101 and the store server 103 and stores it in the storage unit 402 (step 606). Next, the store server 103
Generates a message 705 to be transmitted to the information terminal 101 by the data processing unit 401. This message 705
As shown in FIG. 7B, the order response 706, the product ID 707 of the product desired to be purchased, the total price 708 of the product desired to be purchased, the store server ID 709, which is the identification information of the store server 103, and the session ID 710 are included as headers. included. Here, the product ID 707 is obtained by converting the product ID 703 stored in the storage unit 402 by the product ID conversion unit 404, and has the same content as that received from the information terminal 101, but has a different expression. . All of them are encrypted by the encryption processing unit 407 using the common key stored in the storage unit 402 of the store server 103. This message is transmitted from the communication unit 408 to the information terminal 101 by the data processing unit 401 (step 607).

The information terminal 101, which has received the message 705 from the store server 103 by the communication unit 208, transmits the message 705 to the encryption processing unit 20 by the data processing unit 201.
Send to 6. The encryption processing unit 206 performs a decryption process on the message 705 using the common key stored in the storage unit 202. The data processing unit 201 verifies the order response 706 of the decrypted message 705. When the validity of the order response 706 is confirmed, the data processing unit 201
07, the total amount 708, the store server ID 709, and the session ID 710 are stored in the storage unit 202 (step 6).
08). Next, the control program generation unit 203 of the information terminal 101 generates a control program for controlling the operation of the data processing unit 301 of the mobile terminal 102, and the storage unit 2
02 (step 609).

Next, the information terminal 101 is
Is generated by the data processing unit 201. This message 711 includes, as shown in FIG. 7C, the product ID 707, the total amount 708, and the information terminal I.
D704, store server ID 709, session ID 71
0, IP address 712 of the store server 103, storage unit 2
02 includes a control program 713 stored therein.
Here, product ID 707, total amount 708, information terminal I
D704, store server ID 709, session ID 71
0 is encrypted by the encryption processing unit 206 using the common key stored in the storage unit 202 of the information terminal 101. This message is transmitted from the infrared communication unit 209 to the portable terminal 102 by the data processing unit 201 (step 610).

From the information terminal 101, the infrared communication unit 209
Terminal 102 that has received message 711
In step (611), the data processing unit 201 stores the encrypted data, the IP address 712, and the control program 713 in the storage unit 302. Next, the control program 71 stored in the storage unit 302 of the mobile terminal 102
3 operates spontaneously and starts controlling the data processing unit 301 (step 612). Next, the control program 713
The data processing unit 301 controlled by the
Is connected to the store server 103 through the communication unit 305 with reference to the IP address 712 of the store server 103 stored in (step 613).

Next, the portable terminal 102 is connected to the store server 10
3 is transmitted to the data processing unit 201.
Is generated. This message 714 is, as shown in FIG. 7D, data (product ID 707, total amount 70) received from the information terminal 101 and encrypted with the common key.
8, information terminal ID 704, store server ID 709, session ID 710), and mobile terminal ID 715, which is identification information of mobile terminal 102. This message 714 is transmitted from the communication unit 305 to the store server 103 by the data processing unit 301 (step 61).
4).

The store server 103, which has received the message 714 from the portable terminal 102 through the communication unit 408, transmits the message 714 to the encryption processing unit 40 by the data processing unit 401.
7 The encryption processing unit 407 performs decryption processing of the encrypted part of the message 714 using the common key stored in the storage unit 402 (Step 615). Next, the data processing unit 401 checks the decrypted data (product ID 707,
Total amount 708, information terminal ID 704, store server ID
709, session ID 710), and mobile terminal ID
715 is stored in the storage unit 402 (step 616).

Next, the data processing unit 401
It verifies whether the merchandise ID 707, the total amount 708, the store server ID 709, and the session ID 710 received from the store server 103 are the same as those transmitted from the store server 103 to the information terminal 101 using the data stored in the storage unit 402. Next, the data processing unit 401 verifies, using the data stored in the storage unit 402, whether the information terminal ID 704 received from the mobile terminal 102 is the same as that received by the store server 103 from the information terminal 101. (Step 617).

After confirming the validity of the data received from portable terminal 102, data processing section 401 generates message 716 to settlement server 104. This message 716 is, as shown in FIG.
7, the total amount 708, and the mobile terminal ID 715 are included.
This message is transmitted from the communication unit 408 to the settlement server 104 by the data processing unit 401 (step 618). Payment server 104 receiving message 716 from store server 103 by communication unit 505
, The data processing unit 501 verifies the billing request 717. Upon confirming the validity of the charging request 717, the data processing unit 501 stores the total amount 708 and the portable terminal ID 715 in the storage unit 502 (Step 619).

Next, the settlement server 104 sends the data processing unit 501 to the portable terminal ID 715 stored in the storage unit 502.
Against the portable terminal ID database 503 to verify its validity (step 620). Mobile terminal ID 71
5 is verified, the total amount 708 corresponding to the portable terminal ID 715 is registered in the charging information database 504 by the data processing unit 501 (step 6).
21). As a result, the payment server 104 charges the user who is the owner of the mobile terminal 102.

In this embodiment, the information terminal 1
01 may be a KIOSK terminal installed in a street corner or a store. In the present embodiment, the mobile terminal 10
2 may be a mobile phone. Further, in the present embodiment, portable terminal 102 is a PDA (Personal Digital A
ssistant: personal digital assistant). Furthermore, the infrared communication described in the present embodiment may be a short-range wireless communication (for example, Bluetooth).

The electronic payment system according to the present invention is realized by the above components, the configuration system, and each process. According to the present invention, the following effects can be obtained.

That is, the information terminal 101 and the store server 1
03, the settlement process between the mobile terminal 102 and the store server 103 is enabled, so that the user can be at a friend's house or on the go.
Using the user's own mobile terminal 102, shopping can be performed electronically.

(Second Embodiment) FIG. 8 is a block diagram showing a second embodiment of the electronic settlement system according to the present invention. In the present embodiment, a description of components having the same functions as those implemented in the first embodiment will be omitted.

Referring to FIG. 8, the system according to the present embodiment includes an information terminal 101, a portable terminal 102, a store server 803, and a settlement server 804, each of which is a wired or wireless public telephone line. It is connected to a communication network constituted by a communication line, a dedicated line, a satellite communication line, and the like.

The information terminal 101, the portable terminal 102, the store server 803, and the settlement server 804 have the same functions in the present embodiment as those in the first embodiment. The detailed description will be omitted with reference to FIGS.

Next, a settlement procedure using the present invention will be described with reference to FIG. In FIG. 9, steps 601 to 612 for executing the processing are the same as those in the first embodiment, and thus the description of the processing operation in these steps is omitted.

The processing after step 913 in FIG. 9 will be described below. The data processing unit 301 controlled by the control program 713 refers to the IP address 712 of the store server 803 stored in the storage unit 302,
The communication unit 305 is connected to the store server 803 via the settlement server 804 (step 913). Next, in the mobile terminal 102, the data processing unit 201 generates a message 714 to be transmitted to the store server 803. This message 714 is transmitted to the information terminal 1 as shown in FIG.
01, data encrypted with the common key (product ID 707, total amount 708, information terminal ID 70
4, store server ID 709, session ID 710),
And mobile terminal ID7 which is identification information of the mobile terminal 102
15 are included. This message 714 is transmitted from the communication unit 305 to the store server 803 by the data processing unit 301 (step 914).

The settlement server 804, which has received the message 714 from the portable terminal 102 through the communication unit 505, transmits the message 714 to the data processing unit 501.
715 is stored in the storage unit 502 (step 91).
5). Next, the data processing unit 501 checks the mobile terminal ID 715 stored in the storage unit 502 against the mobile terminal ID database 503 to verify its validity (step 9).
16).

If the validity of the portable terminal ID 715 is verified, the settlement server 804 causes the data processing unit 501 to generate the transaction ID 1017 and stores it in the storage unit 502.
The mobile terminal ID 715 and the transaction ID 1017 are stored in association with each other. The encrypted part of the message 714 (product ID 707, total amount 708, information terminal ID
704, store server ID 709, session ID 71
The transaction ID 1017 is added to the store server 803 as a message 1016 (step 917).

The store server 103, which has received the message 1016 from the portable terminal 804 by the communication unit 408,
The data processing unit 401 transmits the message 1016 to the encryption processing unit 407. The encryption processing unit 407 includes a storage unit 402
Is decrypted using the common key stored in the message 1016 (step 918). next,
The data processing unit 401 stores the decrypted data (product ID 7
07, the total amount 708, the information terminal ID 704, the store server ID 709, the session ID 710), and the transaction ID 1017 are stored in the storage unit 402 (step 919).

Next, the data processing unit 401
The merchandise ID 707, the total amount 708, the store server ID 709, and the session ID 710 received from the storage device 402 are verified using the data stored in the storage unit 402 to determine whether the store ID is the same as that transmitted from the store server 803 to the information terminal 101. Next, the data processing unit 401 verifies, using the data stored in the storage unit 402, whether the information terminal ID 704 received from the mobile terminal 102 is the same as that received by the store server 103 from the information terminal 101. ((Step 920).

After confirming the validity of the decrypted data, the data processing unit 401 generates a message 1018 to the settlement server 804. This message 1018
As shown in FIG. 10F, a billing request 717, a transaction ID 1017, and a total amount 708 are included. This message is transmitted by the data processing unit 401 to the communication unit 4.
08 to the settlement server 804.

Payment server 804 receiving message 1018 from store server 803 by communication unit 505
, The data processing unit 501 verifies the billing request 717. Upon confirming the validity of the charging request 717, the data processing unit 501 stores the transaction ID 1017 and the total amount 708 in the storage unit 502.

Next, the settlement server 804 transmits the transaction I stored in the storage unit 502 to the data processing unit 501.
D is compared with the transaction ID 1018 stored in association with the mobile terminal ID 715, and the validity is verified. When the validity of the transaction ID 1018 is verified, the portable terminal ID 715 associated with the transaction ID 1018 and the corresponding total amount 708 are registered in the charging information database 504 by the data processing unit 501 (step 921). As a result, the payment server 804 charges the user who is the owner of the mobile terminal 102.

In this embodiment, the information terminal 1
01 may be a KIOSK terminal installed in a street corner or a store. In the present embodiment, the mobile terminal 10
2 may be a mobile phone. Further, in the present embodiment, portable terminal 102 is a PDA (Personal Digital A
ssistant: personal digital assistant). Furthermore, the infrared communication described in the present embodiment may be a short-range wireless communication (for example, Bluetooth).

The electronic payment system according to the present embodiment
It is realized by the above components, the configuration system, and each process. According to the present invention, the following effects can be obtained.

[0086] Transactions between the information terminal 101 and the store server 103 are described below.
By enabling the settlement procedure between the users 03, the user can use his / her own portable terminal 102 to shop electronically even when the user is at a friend's house or outside.

In addition to the above effects, the settlement server 804 guarantees the trust of the portable terminal 102 with respect to the store server 803 between the portable terminal 102 and the store server 803, so that the store server 803 is more secure. Payment processing becomes possible.

[0085]

As described above, the present invention has the following effects.

According to the first aspect of the present invention, an electronic payment system comprises an information terminal, a portable terminal, a store server, and a payment server, and secret information generated between the information terminal and the store server is stored in the information terminal and the store server. The store server receives the encrypted information and the identification information of the mobile terminal from the mobile terminal, and the payment server transmits the identification information of the mobile terminal from the store server. Receiving the payment request, the payment procedure is performed between the mobile terminal and the store server.

[0087] This enables a settlement procedure between the information terminal and the store server and a settlement procedure between the portable terminal and the shop server. The payment procedure can be performed at.

In the invention according to claim 2, as a settlement system, the store server decrypts the encrypted information received from the mobile terminal with the encryption key information, so that the store server can control the mobile terminal. Authenticated.

Thus, the settlement procedure between the information terminal and the store server and the settlement procedure between the mobile terminal and the store server using the encryption key information can be performed, and the secret of the settlement can be protected. Become.

In the invention according to claim 3, as a settlement method, the information terminal and the store server generate secret information and encryption key information, and the information terminal encrypts the secret information with the encryption key information. And the mobile terminal receives the encrypted confidential information from the information terminal, and the store server transmits the encrypted confidential information and the identification of the mobile terminal from the mobile terminal. Receiving the information and the payment server receiving the identification information of the mobile terminal from the store server.

Thus, the settlement procedure between the information terminal and the store server and the settlement procedure between the portable terminal and the store server become possible. The payment procedure can be performed at.

[0092] In the invention according to claim 4, an electronic payment system comprises an information terminal, a portable terminal, a store server, and a payment server, and secret information generated between the information terminal and the store server is stored in the information terminal and the store server. The mobile terminal receives the encrypted information and the identification information of the store server from the information terminal, and encrypts the encrypted information with the identification of the store server. The payment server receives the information and the identification information of the mobile terminal from the mobile terminal, and the payment server authenticates the mobile terminal from the identification information of the mobile terminal, and transmits a guarantee of payment to the store server. And the store server will be settled.

Thus, the settlement procedure between the information terminal and the store server and the settlement procedure between the portable terminal and the store server become possible. The payment procedure can be performed at.

[0094] In the invention according to claim 5, the information terminal includes a communication unit with the portable terminal, a communication unit with the store server, and a unit for generating secret information and encryption key information with the store server. Means for controlling the portable terminal.

Thus, the settlement procedure between the information terminal and the store server and the settlement procedure between the portable terminal and the shop server become possible. The payment procedure can be performed at.

[0096] In the invention according to claim 6, the portable terminal performs a settlement procedure with the store server under the control of the communication means with the information terminal, the communication means with the store server, and the information terminal. Means.

Thus, the settlement procedure between the information terminal and the store server and the settlement procedure between the portable terminal and the store server become possible. The payment procedure can be performed at.

[0098] In the invention according to claim 7, the portable terminal performs a settlement procedure with the settlement server under the control of the communication means with the information terminal, the communication means with the settlement server, and the information terminal. Means.

Thus, the settlement procedure between the information terminal and the store server and the settlement procedure between the portable terminal and the store server become possible. The payment procedure can be performed at.

In the invention according to claim 8, the store server is
A communication means for communicating with the information terminal, a communication means for communicating with the mobile terminal, a communication means for communicating with the settlement server, a means for generating secret information and encryption key information between the information terminal, and the information terminal; Means for performing a settlement procedure with the portable terminal.

Thus, the settlement procedure between the information terminal and the store server and the settlement procedure between the portable terminal and the shop server can be performed. The payment procedure can be performed at.

According to the ninth aspect of the present invention, the settlement server comprises:
A communication unit with a store server and a unit for performing a charging process on the mobile terminal based on the identification information of the mobile terminal received from the store server are provided.

Thus, the settlement procedure between the information terminal and the store server and the settlement procedure between the portable terminal and the shop server can be performed. The payment procedure can be performed at.

According to the tenth aspect of the present invention, the payment server includes a communication unit with the store server, and a unit for performing a charging process on the portable terminal in response to a payment request received from the store server. did.

As a result, the settlement procedure between the information terminal and the store server and the settlement procedure between the portable terminal and the store server become possible. The payment procedure can be performed at.

[Brief description of the drawings]

FIG. 1 is a block diagram showing an electronic payment system according to a first embodiment of the present invention;

FIG. 2 is a configuration diagram of an information terminal that is a component of the electronic payment system according to the present invention.

FIG. 3 is a configuration diagram of a mobile terminal that is a component of the electronic payment system according to the present invention.

FIG. 4 is a configuration diagram of a store server which is a component of the electronic payment system according to the present invention.

FIG. 5 is a configuration diagram of a payment server that is a component of the electronic payment system according to the present invention.

FIG. 6 is a flowchart showing a settlement method according to the first embodiment of the present invention.

FIG. 7A is a configuration diagram of a message transmitted from the information terminal of the electronic payment system to the store server according to the first embodiment of the present invention; and FIG. 7B is a diagram illustrating the electronic payment according to the first embodiment of the present invention. Configuration diagram of a transmission message from the store server of the system to the information terminal (c) Configuration diagram of a transmission message from the information terminal to the mobile terminal of the electronic settlement system in the first embodiment according to the present invention (d) The present invention Configuration diagram of a transmission message from the portable terminal of the electronic payment system to the store server according to the first embodiment (e) Transmission from the store server to the payment server of the electronic payment system according to the first embodiment of the present invention Configuration diagram of message

FIG. 8 is a block diagram showing an electronic payment system according to a second embodiment of the present invention;

FIG. 9 is a flowchart showing a settlement method according to the second embodiment of the present invention.

FIG. 10A is a configuration diagram of a message transmitted from the information terminal of the electronic payment system to the store server according to the second embodiment of the present invention. FIG. 10B is a diagram illustrating the electronic payment according to the second embodiment of the present invention. Configuration diagram of a transmission message from the store server of the system to the information terminal (c) Configuration diagram of a transmission message from the information terminal to the mobile terminal of the electronic settlement system in the second embodiment according to the present invention (d) The present invention Configuration diagram of a message transmitted from a portable terminal to a payment server of the electronic payment system according to the second embodiment (e) Transmission from a payment server to a store server of the electronic payment system according to the second embodiment of the present invention Configuration diagram of message (f) Configuration diagram of message transmitted from store server to payment server in electronic payment system according to second embodiment of the present invention

[Explanation of symbols]

 101 information terminal 102 portable terminal 103 store server 104 payment server 201 data processing unit 202 storage unit 203 control program generation unit 204 random number generation unit 205 key generation unit 206 encryption processing unit 207 broadcast reception unit 208 communication unit 209 infrared communication unit 210 power supply unit 301 data processing unit 302 storage unit 303 display unit 304 encryption processing unit 305 communication unit 306 infrared communication unit 307 power supply unit 401 data processing unit 402 storage unit 403 product ID database 404 product ID conversion unit 405 random number generation unit 406 key generation unit 407 encryption Processing unit 408 Communication unit 501 Data processing unit 502 Storage unit 503 Mobile terminal ID database 504 Communication unit 601 Accepting order command 602 Store server connection 603 Key generation 604 Message transmission 605 Receiving data storage 606 Session ID generation 607 Message transmission 608 Received data storage 609 Control program generation 610 Message transmission 611 Received data storage 612 Control program operation 613 Store server connection 614 Message transmission 615 Decoding processing 616 Received data storage 617 Received data verification 618 Message transmission 619 Received data Storage 620 Mobile terminal ID verification 621 Billing process 701 Message 702 Order request 703 Product ID 704 Information terminal ID 705 Message 706 Order response 707 Product ID 708 Total amount 709 Store server ID 710 Session ID 711 Message 712 IP address 713 Control program 714 Message 715 Mobile terminal ID 716 Message 717 Billing request 803 Store server 80 Settlement server 913 stores the server connection 914 message transmission 915 portable terminal ID storage 916 portable terminal ID verification 917 message transmission 918 decoding 919 the received data storage 920 receives data verification 921 accounting process 1016 message 1017 Transaction ID 1018 message

 ──────────────────────────────────────────────────続 き Continued on the front page F term (reference) 3E044 AA20 DA06 DE01 5B049 BB11 CC08 CC36 GG02 GG03 GG10 5B055 BB00 BB12

Claims (17)

[Claims] An electronic payment system comprising an information terminal, a mobile terminal, a store server, and a payment server, each of which can be connected to a communication network, wherein secret information generated by communication between the information terminal and the store server is provided. The information terminal encrypts with the encryption key information generated in the communication between the information terminal and the store server, the mobile terminal receives the encrypted information from the information terminal, By receiving the encrypted information and the identification information of the mobile terminal from the mobile terminal, the payment server, by receiving the identification information of the mobile terminal from the store server, the mobile terminal and the store server An electronic payment system, wherein a payment procedure is performed between. 2. The electronic payment system according to claim 1, wherein the store server decrypts the encrypted information received from the mobile terminal with the encryption key information, thereby enabling the store server to An electronic payment system that authenticates a mobile terminal. 3. An information terminal and a store server generate and store secret information and encryption key information; a step in which the information terminal encrypts the secret information with the encryption key information; From the terminal, receiving and storing the encrypted secret information; andThe store server receives and stores the encrypted secret information and the identification information of the mobile terminal from the mobile terminal, A step of a payment server receiving and storing identification information of the mobile terminal from the store server. 4. An electronic payment system comprising an information terminal, a mobile terminal, a store server, and a payment server each connectable to a communication network, wherein secret information generated by communication between the information terminal and the store server is The information terminal encrypts with encryption key information generated by communication between the information terminal and the store server, and the mobile terminal receives the encrypted information and the identification information of the store server from the information terminal. The payment server receives the encrypted information, the identification information of the mobile terminal, and the identification information of the store server from the mobile terminal, and the payment server receives the identification information of the mobile terminal from the identification information of the mobile terminal. Authenticating the mobile terminal, the payment server sends the encrypted information and a payment guarantee for the encrypted information to the store server, An electronic payment system, wherein a payment procedure is performed between the mobile terminal and the store server by the store server transmitting a payment request to the payment server based on the certificate. 5. A communication unit with a mobile terminal, a communication unit with a store server, a unit for generating secret information and encryption key information with the store server, and a unit for controlling the mobile terminal. Information terminal. 6. A mobile terminal comprising: a communication unit with an information terminal; a communication unit with a store server; and a unit for performing a settlement procedure with the store server under control of the information terminal. 7. A mobile terminal comprising: a communication unit with an information terminal; a communication unit with a payment server; and a unit for performing a payment procedure with the payment server under control of the information terminal. 8. A communication means with an information terminal, a communication means with a portable terminal, a communication means with a settlement server, a means for generating secret information and encryption key information between the information terminal, and the settlement A store server having means for performing a settlement procedure with the server. 9. A settlement server comprising: communication means for communicating with a store server; and means for performing billing processing on the portable terminal based on identification information of the portable terminal received from the store server. 10. A payment server, comprising: communication means for communicating with a store server; and means for performing charging processing for a corresponding mobile terminal in response to a payment request received from the store server. 11. A control program recording medium in which the control program for an information terminal according to claim 1 is recorded in a format readable by an electronic computer. 12. The method as claimed in claim 1, wherein the first and second embodiments are identical to the first to third embodiments.
The control program recording medium which recorded the control program of the portable terminal of 3 in the format which a computer can read. 13. The method as claimed in claim 1, wherein the first and second embodiments are the same as the first to third embodiments.
A control program recording medium in which the control program of the store server described in 1 above is recorded in a format readable by an electronic computer. 14. The method as claimed in claim 1, wherein the first to third embodiments are the same as the first to third embodiments.
The control program recording medium which recorded the control program of the settlement server of 1 in the format which a computer can read. 15. A control program recording medium in which the control program of the portable terminal according to claim 4 or 7 is recorded in a format readable by an electronic computer. 16. A control program recording medium in which the control program of the store server according to claim 4 is recorded in a format readable by an electronic computer. 17. A control program recording medium in which the control program of the settlement server according to claim 4 or 10 is recorded in a format readable by an electronic computer.