JP2002358416A - Settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settlement system which gives notice of use of a settlement means to a settlement-object person, confirms the use, and specifies a user of the settlement means when the settlement is carried out. SOLUTION: A host retrieves the telephone number of a portable telephone according to the registration number, etc., of a card and a telephone call is given to confirm the use of the card.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement system for notifying a person to be settled at the time of settlement, confirming use of the settlement means, and specifying a user of the settlement means.

[0002]

2. Description of the Related Art Conventionally, when performing settlement, as shown in FIG.
Storage information 1 such as a card number recorded on a record carrier 1 such as a credit card, a debit card, etc., owned by the payee.
02 in the settlement terminal 103 and the password 10
Regarding the use of the payment means requiring the payment terminal 4, the payment terminal 10
The payee inputs the personal identification number 104 to the personal identification number input device 105 assigned to 3, and the settlement terminal 103 transmits the storage information 102 such as the number of the record carrier 101 and the personal identification number 104 by wire or wirelessly to the host device. To 106,
The host device 106 confirms the use of the payment means of the payee based on the storage information 102 such as the number of the record carrier 101 received from the payment terminal 103 and the password 104, and the host device 106 makes a payment to the payment terminal 103. By notifying the result 107 of the use confirmation of the means, it has been confirmed whether the use of the settlement means of the payee is established or not established.

[0003]

As described above, in the above-mentioned conventional settlement system, it is impossible to confirm whether the person to be settled having the record carrier 1 is the original holder of the record carrier 1, There is a possibility that a user obtains the record carrier 1 and uses it improperly, thereby confirming the use of the settlement means. Further, the payment target who uses the record carrier 1 illegally cannot be specified.

[0004] The present invention solves the above-mentioned problems, and provides the original holder of the record carrier 1 when using the settlement means.
Is used to confirm that the settlement means has been used, and to use the record carrier 1 to store the specific information of the payee using the settlement means.
The purpose is to restrict the unauthorized use of the record carrier 1 and to identify an unauthorized user who uses the record carrier 1 for settlement.

[0005]

In order to achieve the above object, a first settlement system according to the present invention comprises: a number of a portable communication terminal of a holder of the record carrier recorded on a record carrier; And the like, and a host device for receiving the stored information transmitted by the terminal wirelessly or wiredly. The host device is configured to wirelessly or wiredly carry the portable device based on the number of the portable terminal. Communicate to the terminal to inform the user of the portable communication terminal that his or her record carrier has been used for settlement.

The second settlement system of the present invention further comprises a terminal for reading stored information such as a portable terminal number of the holder of the record carrier and a record carrier number recorded on the record carrier; A first communication module provided in
The terminal device comprises a host device that receives the stored information transmitted wirelessly or by wire, and a second communication module provided in the host device, wherein the host device is configured to execute the second communication module based on a number of the portable communication terminal. The second communication module communicates with the portable communication terminal via the first communication module to notify the user of the portable terminal that his or her record carrier has been used for settlement.

The third settlement system of the present invention further comprises a terminal for reading stored information such as a number of a portable communication terminal of a holder of the record carrier and a number of the record carrier recorded on the record carrier; And a host device for receiving the stored information transmitted by wireless or wired communication with the mobile terminal based on the number of the mobile terminal. The settlement communication terminal notifies the host terminal that the record carrier has been used for settlement, and the settlement communication terminal notifies the host terminal of the settlement permission.

The fourth settlement system of the present invention further comprises a terminal for reading stored information such as a portable terminal number of the holder of the record carrier and a record carrier number recorded on the record carrier; A first communication module provided in
The terminal device comprises a host device that receives the stored information transmitted wirelessly or by wire, and a second communication module provided in the host device, wherein the host device is configured to execute the second communication module based on a number of the portable communication terminal. The second communication module communicates with the mobile communication terminal via the first communication module to inform the user of the mobile terminal that his or her record carrier has been used for payment, and the payment communication terminal The settlement permission / non-permission is transmitted to the host terminal via the first communication module.

The fifth settlement system of the present invention reads stored information such as the number of the portable communication terminal of the record carrier holder and the number of the record carrier recorded on the record carrier and uses the record carrier. A terminal having a detection unit that detects user identification information such as a person's appearance and a fingerprint, and a host device that receives the stored information and the user identification information that the terminal transmits wirelessly or by wire, The host device communicates with the mobile terminal wirelessly or by wire based on the number of the mobile terminal, informs the user of the mobile communication terminal that his or her record carrier has been used for settlement, and specifies the user. Stores information.

A sixth settlement system according to the present invention reads stored information such as a portable terminal number of a holder of the record carrier and a number of the record carrier recorded on the record carrier and uses the record carrier. Terminal, a terminal having a detection unit for detecting user identification information such as a fingerprint, a first communication module provided in the terminal, the stored information transmitted by the terminal wirelessly or by wire, and A host device for receiving the user identification information; and a second communication module provided in the host device, wherein the host device is configured to receive the first identification information from the second communication module based on a number of the portable communication terminal. Communicates with the mobile communication terminal through the communication module, informs the user of the mobile terminal that his or her record carrier has been used for settlement, and transmits the user identification information. To pay.

[0011]

According to the first payment system of the present invention, it is possible to know that a third party has made payment using his or her own credit card or the like.

Further, according to the second settlement system of the present invention, by recording the appearance, fingerprint and the like of a face photograph of a third party who has settled using his / her credit card, the third settlement system can be used. Can be identified.

Hereinafter, an embodiment of the present invention will be described.

As shown in FIG. 1, there are an IC card 8 which is a record carrier used for making a payment, and a portable telephone 2 which is a portable communication terminal held by a holder 1a of the IC card 1. Is the card information such as the number information of the IC card 1, the expiration date, etc .;
Personal information of the holder 1a indicating the name, contact information, date of birth, etc. of the holder 1a, and the mobile phone 2 such as an IP address for identifying the mobile phone 2 and a wireless communication individual number.
Is stored as storage information 3. A payment terminal 4 for reading the stored information 3 stored in the IC card 8, and receiving the stored information 3 of the IC card 1 transmitted from the payment terminal 4 by wire or wirelessly and receiving the received IC Whether the settlement means is used or not is determined based on the stored information 3 of the card 1, and the payment processing is performed on the mobile phone 2 identified based on the identifier of the mobile phone 2 included in the stored information 3 of the IC card 1. A host device 6 for transmitting a notification message 5; and the settlement terminal 4 at the same time as the storage information 3 stored in the IC card 1.
And a fingerprint reader 8 for inputting fingerprint information 7 as user identification information of the user 1b using the IC card 1 transmitted from the IC card 1 to the host device 6.

Hereinafter, the settlement system will be described with reference to the configuration diagram of FIG. 1 and the operation flow diagram of FIG. As shown in FIG. 2, the stored information 3 stored in the IC card 1 of the owner 1a is read by the payment terminal. The owner 1a
The record carrier set inside the mobile phone 2 owned by the company is treated the same as the IC card 1.

The information contained in the read storage information 3 includes the card information of the IC card 1 and the owner 1
a personal information, the identifier of the mobile phone 2 owned by the owner 1a, and the like. After the stored information 3 is read by the payment terminal 7, the fingerprint information 7 of the user 1b who intends to execute a payment process using the IC card 1 owned by the owner 1a is connected to the payment terminal 4. The fingerprint information 7 is read by the fingerprint reader 8 and the fingerprint information 7 is transmitted to the payment terminal 4.

The settlement terminal 4 converts the stored information 3 of the IC card 1 held by the owner 1a and the fingerprint information 7 of the user 1b received from the fingerprint reader 8 into a symmetric key code or an asymmetric key. After encrypting using an encryption or the like and processing it as an encrypted message, the encrypted message is transmitted to the host device 6 connected wirelessly or by wire.

The host device 6 that has received the encrypted message decrypts the encrypted message to obtain the data of the storage information 3 and the fingerprint information 7 of the IC card 1.

The host device 6 is a tanked IC.
IC that matches the IC card 1 from the card information list
Read the card information, and read the IC card information and the IC
By comparing the stored information 3 of the card 1 with the stored information 3, the validity of the IC card 1 to be used for the payment processing is confirmed. The host device 6 simultaneously tanks the fingerprint information 7 inside the host device 6. If the result of confirming the validity of the IC card 1 is determined to be abnormal, marking processing is performed using the tanked fingerprint information 7 as specific information of the user who has used the abnormal IC card.

Further, a comparison is made between the marked fingerprint information list that has been subjected to past tanking and the marked fingerprint information 7, and when a comparison match with the list is established, the match count number of the fingerprint information list is incremented. If the number of times exceeds a certain limit, the fingerprint information list is listed as specific information of an unauthorized user. Thereafter, when the host device 6 receives fingerprint information that matches the specific information list of the unauthorized user, an abnormality is shown as a result of immediately determining whether to use the payment process. If it is determined that the IC card 1 is abnormal after confirming the validity of the IC card 1 as described above, or if the fingerprint information matching the specific information list of the unauthorized user is received, the host device 6 On the other hand, a settlement abnormal end request message indicating a message whose judgment result is abnormal is transmitted. The settlement terminal 4 that has received the settlement abnormal end request message performs settlement processing end processing, and the settlement processing ends.

Conversely, if the result of confirming the validity of the IC card 1 is normal and the fingerprint information 7 does not match the specific information list of the unauthorized user, the host device 6 sets the settlement The owner 1 who owns the IC card 1 based on the identifier of the mobile phone 2 included in the storage information 3 of the IC card 1 received from the terminal 4
The transmission processing of the settlement processing notification message 5 is performed on the mobile phone 2 held by the mobile phone 2. There are two routes through which the settlement processing notification message 5 is transmitted, one of which is the host device 6.
From the mobile phone 2 to the mobile phone 2 via a wire, and the other is a wired or wireless connection to the mobile phone 2 via a communication module provided in the payment terminal 4 connected to the host device 6. Has a route to be sent to

The route selection method includes a static selection method selected at the time of installation and construction of the settlement system, and a method in which the communication route selection information included in the storage information 3 of the IC card 1 is read by the host device 6. There is a dynamic selection method for performing the route selection. The mobile phone 2 receives the settlement processing notification message 5 from the selected route, and the owner 1a
A payment confirmation message is displayed on the screen of the mobile phone 2 to prompt the user to confirm the validity of the payment processing. The owner 1a who has confirmed the contents of the final payment processing by seeing the payment confirmation message displayed on the screen of the mobile phone 2 indicates the continuation of the main payment processing using the input unit of the mobile phone 2. “Yes” or “No” indicating that the settlement process is stopped
Will be selected.

If the owner 1a and the user 1b are the same person and the owner 1a intends to continue the main settlement processing, "Yes" is selected. For example, when the user 1a and the user 1b are not the same person, "No" which can immediately stop the main settlement processing is selected. The mobile phone 2 and the IC card 1
If the owner 1a who owns the "No" selects "No", the settlement validity-confirmed message indicating the termination of the settlement processing is transmitted to the host device 6, and the payment validity-confirmed message is received. The host device 6 performs the marking process using the tanked fingerprint information 7 as specific information of the user who has used the abnormal IC card 1. Further, a comparison is made between the marked fingerprint information list that has been tanked in the past and the marked fingerprint information 7, and when a comparison match with the list is established, the match count number of the fingerprint information list is incremented, and a certain limit is set. When the number of times exceeds the number of times, the fingerprint information list is listed as specific person information of the unauthorized user. Then, the host device 6 transmits to the payment terminal 4 a payment abnormal end request message representing a message whose determination result is abnormal. The settlement terminal 11 that has received the settlement abnormal end request message performs settlement processing end processing, and the settlement processing ends. Conversely, if the owner 1a who owns the mobile phone 2 and the IC card 1 selects "Yes", a payment validity-confirmed message indicating continuation of the main payment processing is transmitted to the host device 6. The host device 6 that has received the settlement-validated message
Performs an internal process so that the main settlement process ends normally, and at the same time, transmits a settlement normal end request message indicating a message whose judgment result is normal to the settlement terminal 4. The settlement terminal 4 that has received the settlement normal termination request message performs settlement processing end processing, and the settlement processing ends.

In other words, in the present settlement system, a normal settlement of the settlement is not normally completed unless the settlement confirmation of the user 1b of the IC card 1 at the time of using the settlement and the settlement confirmation of the settlement by the owner 1a of the IC card 1 are completed normally. No completion processing is performed. If even one of the confirmation conditions is missing, specific information such as the fingerprint information 7 of the user 1b who has attempted to make a payment using the IC card 1 is tanked in the host device 6. The specific person information can be used as a material for judging the subsequent use of the unauthorized card.

In the above embodiment, the fingerprint reading device 8 is used as a means for identifying an unauthorized user.
Although the fingerprint of the user of Card 1 is to be collected,
A still image or moving image of the user's appearance is photographed by a surveillance camera using a CCD or the like, and the user's still image or moving image is transmitted to the payment terminal using an image compression method such as JPEG or MPEG, and the It may be transmitted to the device. That is,
The user may be specified by moving image or still image information instead of fingerprint information.

[0026]

As is apparent from the above description, according to the present invention, when the settlement means is used, the owner of the original record carrier is notified that the record carrier has been used, and the use of the settlement means is confirmed. In addition, in order to store the identification information of the payee using the settlement means using the record carrier, it is necessary to restrict the unauthorized use of the record carrier and to identify the unauthorized user who uses the record carrier for settlement. Payment system that can perform

[Brief description of the drawings]

FIG. 1 is a configuration diagram of a settlement system according to the present invention.

FIG. 2 is an operation flowchart of the settlement system according to the present invention.

FIG. 3 is a schematic diagram of a conventional payment system.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 IC card 1a IC card owner 1b IC card user 2 Cellular phone 3 IC card storage information 4 Payment terminal 5 Payment processing notification message 6 Host device 7 Fingerprint information 8 Fingerprint reader

Claims (6)

[Claims] 1. A terminal for reading stored information such as a number of a portable communication terminal of a holder of the record carrier and a number of the record carrier recorded on a record carrier, and wherein the terminal transmits the information by wireless or wire. A host device that receives stored information, wherein the host device communicates with the mobile terminal wirelessly or by wire based on the number of the mobile terminal, and the user of the mobile communication terminal uses his or her own record carrier for settlement. A payment system that informs you that something has been done. 2. A terminal for reading stored information such as a portable terminal number of a holder of the record carrier and a record carrier number recorded on the record carrier, and a first communication module provided in the terminal. A host device that receives the stored information that the terminal device transmits by wireless or wire, and a second communication module provided in the host device, wherein the host device is based on a number of the portable communication terminal. A settlement system that communicates from the second communication module to the portable communication terminal via the first communication module and informs a user of the portable terminal that his or her record carrier has been used for settlement. 3. A terminal for reading stored information such as a number of a portable communication terminal of a holder of the record carrier and a number of the record carrier recorded on a record carrier, and wherein the terminal transmits the information by radio or wire. A host device that receives stored information, wherein the host device communicates with the mobile terminal wirelessly or by wire based on the number of the mobile terminal, and the user of the mobile communication terminal uses his or her own record carrier for settlement. A settlement system that notifies the host terminal that the settlement communication terminal notifies the host terminal that the settlement has been performed. 4. A terminal for reading stored information such as a portable terminal number of a holder of the record carrier and a record carrier number recorded on the record carrier, and a first communication module provided in the terminal. A host device that receives the stored information that the terminal device transmits by wireless or wire, and a second communication module provided in the host device, wherein the host device is based on a number of the portable communication terminal. The second communication module communicates with the mobile communication terminal via the first communication module to notify a user of the mobile terminal that his or her record carrier has been used for payment and to perform the payment communication. A payment system, wherein the terminal transmits permission / rejection of payment to the host terminal via the first communication module. 5. A method for reading stored information such as the number of the portable communication terminal of the record carrier holder, the number of the record carrier, etc. recorded on the record carrier, and the appearance of a person who uses the record carrier, and the user such as a fingerprint. A terminal having a detection unit for detecting specific information, and a host device receiving the stored information and the user specific information transmitted by the terminal wirelessly or by wire, wherein the host device is a number of the portable terminal; Communicating with the mobile terminal wirelessly or wired based on the
A settlement system for notifying a user of the portable communication terminal that his or her record carrier has been used for settlement and storing the user identification information. 6. A method of reading stored information such as a number of a portable terminal of a holder of the record carrier and a number of the record carrier recorded on the record carrier, and a profile of a person using the record carrier,
A terminal having a detection unit for detecting user identification information such as a fingerprint, a first communication module provided in the terminal, the stored information and the user identification transmitted by the terminal wirelessly or by wire A host device for receiving information; and a second communication module provided in the host device, wherein the host device transmits the first communication module from the second communication module based on a number of the portable communication terminal. A payment system that communicates with the mobile communication terminal via the mobile terminal to inform the user of the mobile terminal that his or her record carrier has been used for payment and stores the user identification information.