JP2009146049A - Settlement system using cellphone and settlement method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To improve operability of settlement processing, and to prevent settlement by a person except a cellphone holder by using finger vein authentication, when performing the settlement by a mobile wallet. <P>SOLUTION: A settlement terminal controls input transaction contents as settlement information, generates a settlement start event, and transmits (step 11) it to the finger vein authentication function part-equipped cellphone, The cellphone receives (step 12) the settlement start event, performs settlement start event reception confirmation (step 13), and executes the finger vein authentication (step 14). A result of the finger vein authentication is decided, it is confirmed whether it is identification OK or not (step 15), settlement contents are decided in the case of YES, and settlement information transmission/reception (step 17) is executed in cooperation with settlement information transmission/reception (step 16) of the settlement terminal. When the identification OK is NO, it means that the settlement contents are not decided, and processing in the finger vein authentication function part-equipped cellphone is ended. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a payment system and a payment method using a mobile phone, and more particularly to a payment system and a payment method using a mobile phone having a finger vein authentication function.

  In recent years, settlement systems for settlement of various fee payments have been used by mobile phones having a wallet function. When a wallet mobile phone used in such a payment system is lost or stolen, the mobile phone is illegally used by another person for transaction settlement, shopping, or the like. For this reason, this type of mobile phone is usually provided with an authentication function using a personal identification number, a function capable of confirming the identity by a biometric authentication device or the like. The mobile phone is also provided with a function for locking and releasing the functions as described above.

In addition, there is a mobile phone provided with a fingerprint authentication device as a biometric authentication device, and in a payment system using a mobile phone provided with a fingerprint authentication device, a fingerprint is read when a finger or the like is pressed on the fingerprint authentication device. Authenticates by collating pre-registered fingerprint information with fingerprints read by the fingerprint authentication device so that payment information can be sent and received when the identity is confirmed Has been. For example, a technique described in Patent Document 1 is known as a conventional technique related to a payment system using a mobile phone provided with this kind of fingerprint authentication device.
JP 2003-271937 A

  When the lock function of the mobile phone described in the prior art is released once, it is unlocked for a certain time. For this reason, if the mobile phone is lost or stolen while the owner is unlocked for a certain period of time after unlocking, the mobile phone may be misused by others. .

  In addition, the conventional technology for performing fingerprint authentication pushes the authentication device with a fingertip at the time of settlement, so that there is a possibility that biometric information may be distorted due to pressure on the fingertip. Therefore, when biometric information acquired when the device is pressed is compared with biometric information registered in advance, there is a problem that the possibility of erroneous authentication increases.

  On the other hand, there are a fingerprint authentication device and a finger vein authentication device as biometric authentication devices. Fingerprint information by the fingerprint authentication device may not be affected by the pressure of the fingertip. The information is the blood flow and is likely to be affected by fingertip pressure.

  Therefore, in the prior art described above, in order to verify the identity of the owner of the mobile phone by attaching the finger vein authentication device to the mobile phone instead of providing the mobile phone with the fingerprint authentication device used in the prior art. It is not suitable.

  Further, the above-described conventional technology can solve the problem of finger compression by reading fingerprint information after a short time has elapsed after the finger is pressed by the authentication device. However, the time for the person to press the button and to return the finger from the button differs depending on the person, and it is difficult to determine a certain timing for how long the biological information is read after the button is pressed. For this reason, the above-described prior art has a problem that the authentication timing must be set for each individual.

  In addition, many people are good at pressing the operation button as “index finger”, and fingerprint authentication in the above-described prior art is likely to be limited to using “index finger”. For this reason, the above-described conventional technology supports a case where a user has a plurality of payment information in the wallet mobile phone and automatically selects one payment information depending on the type of finger. Has the problem of being difficult.

  In view of the above-described points, the object of the present invention is to prevent unauthorized use by others even when a mobile phone used for payment is lost or stolen, thereby reducing false authentication. An object of the present invention is to provide a payment system and a payment method using a mobile phone that can select a plurality of payment information.

  According to the present invention, the object is to store a transaction content of a transaction and manage a transaction result of the transaction content, connected to the payment terminal via a wireless network, and between the payment terminal and the payment terminal In a payment system using a mobile phone provided with a mobile phone with a finger vein authentication function for performing payment of transaction content, the payment terminal includes transaction content capturing means for capturing the transaction content each time the transaction is executed, Means for storing the transaction contents; control means for managing settlement information indicating that the transaction has occurred; and settlement result information notified from the mobile phone with finger vein authentication function; and Payment information notification means for notifying the mobile phone with authentication function, and payment result information notification means for notifying the payment center of the information on the payment result notified from the mobile phone with finger vein authentication function The mobile phone with finger vein authentication function is a holder of the mobile phone with finger vein authentication function by a person who makes a payment with the mobile phone with finger vein authentication function for the payment information notified from the payment terminal. It is achieved by comprising authentication means for authenticating that, means for controlling payment from the payment information for each authentication, and payment result notification means for notifying the payment terminal of the payment result each time the payment is made Is done.

  According to the present invention, even when a mobile phone used for payment is lost or stolen, it can be prevented from being illegally used by another person, and a plurality of pieces of payment information can be selected by reducing erroneous authentication. Settlement.

  Embodiments of a payment system using a mobile phone according to the present invention will be described below in detail with reference to the drawings.

1. Overall Configuration of System FIG. 2 is a block diagram showing the overall configuration of a payment system according to an embodiment of the present invention. In the embodiment of the present invention described below, various payments can be made using a mobile phone provided with a finger vein authentication device as a biometric authentication device.

  As shown in FIG. 2, the payment system according to an embodiment of the present invention is configured such that a mobile phone 200 with a finger vein authentication function including a finger vein authentication device and a payment terminal 210 can be connected by a wireless network 221. Is done. The payment terminal 210 is connected to a payment center (not shown) via the Internet VPN 220 as a payment network. The Internet VPN is a virtual private network constructed via the Internet, and is a network that can be operated in the same way that remote networks are connected with a LAN while maintaining confidentiality. .

  The payment terminal 210 stores the amount and contents of the transaction, and when the payment is made with the wallet mobile phone, the payment content is notified to the mobile phone 200 with finger vein authentication function via the wireless network 221. Further, the payment terminal detects the result of payment by the mobile phone with finger vein authentication function, and notifies the result to the payment center through the Internet VPN 220.

  The mobile phone 200 with the finger vein authentication function detects the payment content notified from the payment terminal 210, enters an authentication waiting state, and is assigned to the finger vein information reading unit of the mobile phone 200 with the finger vein authentication function in this state. The finger vein information of the finger is read and compared with finger vein information registered in advance. When the comparison results indicate that the comparison results in a match, the mobile phone 200 with the finger vein authentication function sends the settlement condition linked to the finger vein information read from the finger vein information reading unit to the settlement terminal 210 as a wireless network 210. Notify via

  The wireless network 210 may use a proximity wireless system such as a non-contact IC provided in the mobile phone 200 with a finger vein authentication function.

2. Next, a schematic configuration of the payment terminal 210 will be described. As shown in FIG. 2, the payment terminal 210 includes an input / output function unit 212 for inputting transaction details, a storage function unit 213 for storing the input transaction details, and a control function unit 211 for controlling the transaction details as payment information. A payment network communication function unit 215 for notifying the payment information to the payment center via the Internet VPN 220, and notifying the payment information to the mobile phone 200 with finger vein authentication function via the wireless network 221 and pointing via the wireless network 221. A wallet mobile communication function unit 214 that detects a settlement result notified from the mobile phone with vein authentication function 200, and these function units are connected by an internal connection line 216.

  The settlement result notified from the mobile phone 200 with the finger vein authentication function and detected by the wallet mobile communication function unit 214 is stored in the storage function unit 213. The control function unit 211 includes a payment information management function 2111 that controls payment information.

  The settlement terminal 210 having the above-described functional configuration is constructed as an information processing apparatus including a CPU, a memory, a storage device such as an HDD, a communication device, and the like as hardware. And each function part mentioned above is constructed | assembled when CPU runs the program stored in a memory | storage device using memory, and the various processing by this invention mentioned later is performed. The input / output function unit 212 may include a display, a keyboard, a mouse, a touch panel provided on the display, and the like.

3. Next, a schematic configuration of the mobile phone 200 with a finger vein authentication function will be described. As shown in FIG. 2, the mobile phone 200 with a finger vein authentication function includes a payment terminal communication function unit 205 that grasps payment information notified from the payment terminal 210, a control function unit 201 that controls the grasped payment information, The input / output function unit 203 that reads the finger vein information of the finger assigned to the finger vein information reading unit, the storage function unit 204 that stores the finger vein information read in advance, and the finger read by the input / output function unit 203 A finger authentication function unit 202 that performs authentication by comparing vein information with finger vein information stored in advance in the storage function unit 204 is provided, and these function units are connected by an internal connection line 206.

  The control function unit 201 compares the finger vein information management function unit 2011 that controls the finger vein information read by the input / output function unit 203 and the finger authentication function unit 202 to compare and pay information when the finger vein information matches. And a payment function unit 2010 to be controlled.

  The cellular phone 200 with a finger vein authentication function having the above-described functional configuration includes a storage device such as a CPU, a memory, and a ROM, a communication device, and the like as hardware. And each function part mentioned above is constructed | assembled when CPU runs the program stored in a memory | storage device using memory, and the various processing by this invention mentioned later is performed. The input / output function unit 212 may include a display, a keyboard, and the like. The configuration of the cellular phone 200 with a finger vein authentication function shown in FIG. 2 is a configuration of a portion necessary in the embodiment of the present invention, and in addition to these, hardware and software configuring functions necessary as a cellular phone are provided. Needless to say.

  FIG. 8 is a perspective view showing an outline of the appearance of the mobile phone 200 with a finger vein authentication function. The cellular phone 200 with a finger vein authentication function includes an input / output function unit 203 whose surface for reading finger vein information is a glass surface, and a slide serving as a finger rest while protecting the glass surface on the upper surface. A possible finger rest cover 222 is provided. The finger support base cover 222 is configured such that a part of its tip can be raised upward, and the tip part of the finger support base cover 222 raised at the top serves as a finger support base. Also, an input / output function lamp 223 is provided in front of the pedestal. When the input / output function unit 203 is in a state of waiting for reading finger vein information, the input / output function lamp 223 is controlled to blink, turn on, etc. It is possible to inform the holder of the mobile phone 200 with the authentication function that the finger vein has been read.

  The example shown in FIG. 8 shows a state in which the finger vein can be read. When the finger vein is not read, the cover 222 with the finger rest slides in the direction of the left hand in FIG. The portion that rises upward is closed to cover the glass surface of the input / output function unit 203, thereby protecting the glass surface of the input / output function unit 203.

  When reading the finger vein by the input / output function unit 203, the cover 222 with the finger rest is opened, and the finger is placed on the rest formed with the tip portion raised upward. At this time, the finger is placed from the left hand side of FIG. 8 so that the middle between the first joint of the finger and the tip of the finger is located at the tip of the cradle. As a result, the wrist side from the middle between the first joint of the finger and the tip of the finger is stably placed above the input / output function unit 203 without contacting the glass surface.

4). Processing Executed in Each Device Returning to the reference to FIG. 2, processing executed in each device will be described.

  When performing a transaction, the user inputs various information such as a transaction amount, transaction details, and a payment method from the input / output function unit 212 of the settlement terminal 210. The transaction contents are stored in the storage function unit 213, and the control function unit 211 controls the transaction information as settlement information. When the payment is carried out with the wallet mobile phone, the payment terminal 210 passes the payment information stored in the storage function unit 213 through the wallet mobile communication function unit 214 to the payment terminal communication function unit of the mobile phone 200 with finger vein authentication function. 205 is notified.

  In the mobile phone 200 with a finger vein authentication function unit, the control function unit 201 detects the payment information notified from the payment terminal 210 to the payment terminal communication function unit 205. The control function unit 201 that has detected the settlement information notifies the user that the finger vein information is to be read by the finger vein information management function unit 2011 by blinking or lighting the input / output function lamp 223. The input / output function unit 203 of the mobile phone 200 with finger vein authentication function unit reads the finger vein information of the finger assigned to the input / output function unit 203, and is controlled by the finger vein information management function unit 2011. The unit 202 compares the finger vein information of a plurality of fingers stored in advance in the storage function unit 204 with the finger vein information read by the input / output function unit 203 to specify the finger type.

  When the finger type can be specified, the payment function unit 2010 searches the wallet information registered in the storage function unit 204 in advance, and confirms the settlement content corresponding to the finger type. The result of the payment content is notified to the wallet mobile communication function unit 214 of the payment terminal 210 via the payment terminal communication function unit 205 under the control of the control function unit 201.

  In the payment terminal 210, the control function unit 211 detects the result of the payment content notified from the payment terminal communication function unit 205 of the mobile phone 200 with the finger vein authentication function unit, and manages and stores the result by the payment information management function unit 2111. Store in the function unit 213. The result of the payment contents stored in the storage function unit 213 is notified from the payment network communication function unit 215 to the payment center via the Internet VPN 220 under the control of the payment information management function unit 2111.

  FIG. 1 is a flowchart for explaining settlement and processing operations by the settlement terminal 210 and the mobile phone 200 with a finger vein authentication function unit. Next, this will be described.

(1) The payment terminal 210 controls the transaction content input at the start of the transaction as payment information, generates a payment start event, and transmits the payment start event to the mobile phone 200 with a finger vein authentication function unit (step 11). ).

(2) The mobile phone 200 with a finger vein authentication function unit receives a settlement start event from the settlement terminal 210, performs confirmation of receipt of the settlement start event, and then performs finger vein authentication (steps 12 to 12). 14).

(3) The result of the finger vein authentication in step 14 is determined, it is determined whether or not the identity verification is OK. If the identity verification is not OK, it means that the settlement content has not been confirmed, and processing The processing in the mobile phone 200 with the finger vein authentication function unit is terminated without proceeding (step 15).

(4) If the identity confirmation is OK in the determination in step 15, the finger vein authentication function-equipped mobile phone 200 confirms the payment details, and the payment information transmission / reception is coordinated with the payment terminal 210. carry out. After completion of payment information transmission / reception, the finger vein authentication function-equipped mobile phone 200 and the payment terminal 210 end the processing (steps 17 and 16).

  FIG. 5 is a flowchart for explaining the details of the payment start event transmission process in step 11 of the flow shown in FIG. 1 and the payment start event reception process in step 12, which will be described next.

  In the payment start event transmission process in the payment terminal 210 in step 11 of FIG. 1, the payment terminal 210 inputs the transaction content input from the input / output function unit 212, and inputs a payment confirmation event based on the input content. (Step 501) is executed, and a payment start signal is transmitted to the mobile phone 200 with a finger vein authentication function unit (Step 502).

  In the payment start event reception process in the mobile phone 200 with the finger vein authentication function unit in step 12 of FIG. 1, the mobile phone 200 with the finger vein authentication function unit has been transmitted from the payment terminal 210 in the process of step 502. A payment start signal is received (step 503). If reception of the payment start signal (step 13) is confirmed, the process proceeds to the next process.

  FIG. 3 is a conceptual diagram illustrating the content of finger vein information 3 stored in the storage function unit 204 of the mobile phone 200 with a finger vein authentication function unit. The finger vein information 3 stores a finger type 31 that is a finger type registered in advance and vein information 32 that is a vein pattern of the finger corresponding to each finger type.

  FIG. 4 is a conceptual diagram illustrating the contents of the wallet information 4 stored in the storage function unit 204 of the mobile phone 200 with a finger vein authentication function unit. The wallet information 4 includes a pre-registered finger type 41, an ID number 42 which is information necessary for the payment held by each finger type 41, an expiration date 43 of payment conditions, and a nickname of the payment contents. Is stored. These pieces of information are merely examples, and other information necessary for settlement can be stored as the wallet information 4 in the same manner.

  FIG. 6 shows the finger vein authentication process in step 14 performed in the mobile phone 200 with the finger vein authentication function unit in the flow shown in FIG. 1, the determination process in which the identity verification is OK in step 15, and the process in step 17 It is a flowchart explaining the detail of a payment information transmission / reception process, Next, this is demonstrated.

(1) In the finger vein authentication process in step 14, first, the finger authentication function unit 202 reads the finger vein information 601 of the finger assigned to the input / output function unit 203 of the mobile phone 200 with the finger vein authentication function unit. The finger vein information 3 registered in advance stored in the storage function unit 204 is read (steps 601 and 602).

(2) Next, in the identity verification process in step 15, the finger vein information from the input / output function unit 203 read in the processes in steps 601 and 602, and the finger registered in advance from the storage function unit 204. When the comparison with the vein information 3 is performed and the finger type assigned to the input / output function unit 203 cannot be specified in this comparison, the process is terminated without doing anything ( Step 603).

(3) If the finger type assigned to the input / output function unit 203 can be identified in the comparison in step 603, the process proceeds to the payment information transmission / reception process in step 17 and is identified in the process in step 603. The wallet information 4 registered in advance in the storage function unit 204 is searched based on the selected finger type, and information including the ID number 42, the expiration date 43, and the card nickname 44 is stored as the wallet information. Then, wallet information is transmitted / received via the payment terminal communication function unit 205 and notified to the payment terminal 210 (steps 604 and 605).

  FIG. 7 is a view showing an example of a screen indicating whether or not settlement is possible, which is displayed on the mobile phone with finger vein authentication function unit 200 in the above-described processing. When the finger vein information 3 registered in advance in the mobile phone with finger vein authentication function unit 200 matches the finger vein information of the holder of the mobile phone with finger vein authentication function unit 200 and payment is executed, Accordingly, a screen as shown as 700, 701 indicating that the wallet information is used for settlement is displayed. When payment is not executed, a screen such as 702 indicating that payment could not be made is displayed.

  At the timing of the processing in step 601 in the flow shown in FIG. 6, the mobile phone 200 with a finger vein authentication function unit shown in FIG. The output function unit lamp 223 is controlled to blink, turn on, etc., and notify the owner of the mobile phone 200 with the finger vein authentication function unit. The holder of the mobile phone 200 with the finger vein authentication function unit slides the cover 222 with the finger rest, exposes the input / output function unit 203 of the mobile phone 200 with the finger vein authentication function unit, and places the finger that has been slid. A finger is placed on the mounting base of the base cover 222 and the finger vein information is read.

  Each process in the above-described embodiment of the present invention is configured by a program and can be executed by a CPU included in the present invention. These programs are stored in a recording medium such as an FD, CDROM, or DVD. It can be provided and can be provided by digital information via a network.

  In the embodiment of the present invention described above, the payment terminal to which the transaction content is input stores the transaction content, and notifies the mobile phone with the finger vein authentication function of the payment information based on the transaction content. When the attached mobile phone detects the payment information notified from the payment terminal, it is determined that the payment is started and authentication by finger vein is started.

  According to the embodiment of the present invention having such a configuration, only when the mobile phone with finger vein authentication function detects the payment information notified from the payment terminal, the owner of the mobile phone with finger vein authentication function The security can be improved because the authentication is performed on the server.

  In addition, the mobile phone with a finger vein authentication function reads finger vein information in advance by applying a finger to a finger vein reading unit serving as a base for a finger in a shape that improves reading accuracy during authentication. It is configured to perform authentication by comparing with stored finger vein information.

  According to the embodiment of the present invention having such a configuration, the finger can be accurately placed along the finger placing table of the reading unit, the re-reading is reduced, and the finger vein portion to be read is compressed. In addition, since the finger vein pattern is not distorted, re-reading is reduced, and it is possible to improve the accuracy and operability of the personal authentication rate, which is a ratio for confirming the identity.

  In the embodiment of the present invention described above, the payment information based on the transaction content is notified to the mobile phone with finger vein authentication function, and the mobile phone with finger vein authentication function is notified of the payment information notified from the payment terminal. When it is detected, it is determined that the settlement is started and authentication by finger vein is started. When authentication is started, the finger vein reading unit of the mobile phone with finger vein authentication function waits for an operation to apply a finger. When a finger is applied to the finger vein reading unit during this state, the finger vein information of the applied finger is read and compared with the previously stored finger vein information for authentication. Composed.

  According to the embodiment of the present invention having such a configuration, it is assumed that the authentication timing is not based on the authentication timing by the holder of the mobile phone with the finger vein authentication function, that is, not based on the finger reading timing by the individual. The reading timing can be set to a fixed timing, and the accuracy of the personal authentication rate, which is a ratio for confirming the identity, can be improved.

  In the embodiment of the present invention described above, the cellular phone with finger vein authentication function stores the finger vein information of a plurality of fingers, and the finger vein information of a plurality of fingers cooperates with the payment function for each finger vein information. And a means for holding condition information that can be settled, and the finger vein reading section of the mobile phone with a finger vein authentication function is configured to include means for reading the finger vein information only by the operation of applying a finger.

  According to the embodiment of the present invention having such a configuration, the number of fingers applied to the finger vein information reading unit is not limited to one type, and the condition information that can be settled in cooperation with the finger vein information read by the finger vein reading unit. Can be selected, and convenience can be improved.

It is a flowchart explaining the payment and processing operation by a payment terminal and a mobile phone with a finger vein authentication function unit. 1 is a block diagram showing an overall configuration of a payment system according to an embodiment of the present invention. It is a conceptual diagram explaining the content of the finger vein information memorize | stored in the memory | storage function part of a mobile telephone with a finger vein authentication function part. It is a conceptual diagram explaining the content of the wallet information memorize | stored in the memory | storage function part of the mobile telephone with a finger vein authentication function part. 7 is a flowchart for explaining details of a payment start event transmission process in step 11 of the flow shown in FIG. 1 and a payment start event reception process in step 12; The finger vein authentication process in step 14 performed in the mobile phone with the finger vein authentication function unit in the flow shown in FIG. 1, the determination process in which the identity verification is OK in step 15, and the settlement information transmission / reception process in step 17 It is a flowchart explaining the detail of. It is a figure which shows the example of a screen which shows the decision | availability of the payment displayed on a mobile telephone with a finger vein authentication function part in the process shown in FIG. It is a perspective view which shows the outline of the external appearance of a mobile phone with a finger vein authentication function.

Explanation of symbols

200 Mobile phone with finger vein authentication function unit 201, 211 Control function unit 2010 Payment function unit 2011 Finger vein information management function unit 202 Finger authentication function unit 203 Input / output function unit 204, 213 Storage function unit 205 Payment terminal communication function unit 206, 216 Internal connection line 210 Payment terminal 2111 Payment information management function part 212 Input / output function part 214 Wallet mobile communication function part 215 Payment network communication function part 220 Internet VPN
221 Wireless network 222 Cover with finger rest 223 Input / output function unit lamp

Claims (7)

A finger vein authentication that stores transaction details of transactions and manages transaction results of the transaction details, and is connected to the payment terminal via a wireless network and performs payment of the transaction details with the payment terminal In a payment system using a mobile phone equipped with a mobile phone with a function,
Each time the transaction is executed, the payment terminal includes transaction content capturing means for capturing the transaction content, means for storing the transaction content, settlement information indicating that the transaction has occurred, and finger vein authentication. Control means for managing information on the settlement result notified from the function-equipped mobile phone, settlement information notification means for notifying the settlement information to the mobile phone with finger vein authentication function, and notification from the mobile phone with finger vein authentication function Payment result information notifying means for notifying the payment center of the information on the payment result,
In the mobile phone with finger vein authentication function, the person who makes a payment by the mobile phone with finger vein authentication function for the payment information notified from the payment terminal is the owner of the mobile phone with finger vein authentication function. Authentication means for authenticating the information, means for controlling payment from the payment information for each authentication, and a payment result notifying means for notifying the payment terminal of the payment result every time the payment is performed. A payment system using a mobile phone. In the payment system using the mobile phone according to claim 1,
The authentication means includes a reading means for reading a finger vein pattern as finger vein information;
Means for storing and holding the finger vein information of a plurality of fingers read in advance by the reading means;
A settlement system using a mobile phone, comprising: personal identification means for comparing the finger vein information read by the reading means with the finger vein information stored and held. In the payment system using the mobile phone according to claim 1 or 2,
The mobile phone with a finger vein authentication function includes holding means for holding each of the finger vein information of the plurality of fingers stored and held in association with the condition information for settlement. A payment system using a mobile phone. In the payment system using the mobile phone according to claim 1,
The payment terminal includes: an output unit that outputs the stored transaction content; and an output unit that outputs the payment result notified from the mobile phone with finger vein authentication function. Payment system. In the payment system using the mobile phone according to any one of claims 1 to 4,
A payment system using a mobile phone, wherein the mobile phone with finger vein authentication includes output means for outputting the payment result to a display unit of the own phone. In the payment system using the mobile phone according to any one of claims 2 to 5,
The reading means of the finger vein authentication mobile phone has a cover with a finger rest that protects a surface for reading finger vein information and can raise a part of the tip upward. A settlement system using a mobile phone, wherein the tip of the cover with a finger rest is configured to be a finger rest. A finger vein authentication that stores transaction details of transactions and manages transaction results of the transaction details, and is connected to the payment terminal via a wireless network and performs payment of the transaction details with the payment terminal In a payment method in a payment system using a mobile phone provided with a functional mobile phone,
The settlement terminal captures the transaction content every time the transaction is executed, stores the captured transaction content, manages settlement information indicating that the transaction has occurred, and manages the settlement information as the finger vein authentication. Notify the mobile phone with functions,
In the mobile phone with finger vein authentication function, the person who makes a payment by the mobile phone with finger vein authentication function for the payment information notified from the payment terminal is the owner of the mobile phone with finger vein authentication function. And control payment from the payment information for each authentication, and notify the payment terminal of the payment result every time the payment is made,
A settlement method in a settlement system using a mobile phone, wherein the settlement terminal manages the settlement result notified from the mobile phone with finger vein authentication function and notifies the settlement center of the settlement result.

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