JP2018133065A - Settlement receiving apparatus, computer system, settlement receiving method, and settlement receiving program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To implement secure settlement only by biometric authentication without using a card.SOLUTION: A settlement receiving apparatus which reads card information from a card and receives a card settlement request using the read card information includes a settlement receiving processing unit 300 which compares, when a biometric settlement request is received from an owner of a card after a predetermined number of operations for card settlement has been reached on the basis of history information of the card settlement with the card, biometric information relating to the settlement request with the biometric information of the owner of the card associated with the card information, and receives the biometric settlement request using the card information associated with the biometric information, on the basis of a result of the comparison.SELECTED DRAWING: Figure 3

Description

  The present invention relates to a payment acceptance apparatus, a computer system, a payment acceptance method, and a payment acceptance program that accept card payment.

  Conventionally, when making a payment by credit card or the like in a store, the user (that is, the card owner) hands the card such as the credit card to the store clerk or installs the store. It was necessary to have the settlement device read. Therefore, it was necessary to carry a card when making a payment other than cash at the store.

  In addition, an authentication terminal is connected to a POS system in a store where deposits and withdrawals and payments are made, biometric information is read and converted at the time of payment, a personal code is obtained, and a payment device having a database is connected via a network. There has been a technique in which a personal code is collated with a database for settlement (see, for example, Patent Document 1 below).

JP 2007-304742 A

  However, if the accuracy of authentication is not sufficient with only biometric authentication, there is a possibility that problems such as malfunctions and completeness of security may occur, and it is For both the store and the store, there was a problem that there was a risk.

  An object of the present invention is to provide a settlement accepting apparatus, a computer system, a settlement accepting method, and a settlement accepting program capable of ensuring the safety of settlement by biometric authentication in order to solve the above-described problems caused by the prior art. To do.

  In order to solve the above-described problems and achieve the object, a settlement accepting apparatus according to the present invention is a settlement accepting apparatus that reads card information from a card and accepts a card settlement request using the read card information. Based on the card payment history information, if there is a biometric payment request from the owner based on the cardholder's biometric information after the card payment count reaches a predetermined number, The biometric information is compared with the biometric information of the card owner associated with the card information, and the biometric settlement request using the card information associated with the biometric information is received based on the comparison result. A settlement acceptance processing unit is provided.

  In the payment accepting apparatus according to the present invention, in the above invention, the payment acceptance processing unit accepts the biometric payment request after the number of card payments reaches a predetermined number within a predetermined period. Features.

  Further, the payment accepting apparatus according to the present invention is characterized in that, in the above invention, the payment acceptance processing unit accepts a new biometric settlement request only within a predetermined period from the time of the biometric settlement performed last time. .

  The payment accepting apparatus according to the present invention further includes an output unit that outputs information related to acceptability of the biometric payment request based on the history information when the card payment is performed. It is characterized by.

  In addition, the payment accepting apparatus according to the present invention includes a test processing unit that performs a verification test of the biometric information of the card owner in the above-described invention, and the payment receiving processing unit completes the test by the test processing unit. Then, the biometric settlement request is accepted.

  Further, in the above-described invention, the payment accepting apparatus according to the present invention accepts an input of biometric information of the card holder when or after the number of card payments reaches a predetermined number, and the input is accepted A biometric information receiving unit that stores biometric information in association with card information of the card is provided.

  Further, in the above invention, the payment accepting apparatus according to the present invention acquires the biological information of the card owner when the number of times of the card payment reaches or reaches the predetermined number of times, and acquires the acquired biological information. And a biometric information acquisition unit that stores the card information in association with the card information.

  Further, the computer system according to the present invention includes a payment acceptance processing unit that receives card information from a card and receives a card payment request using the received card information, and an owner of the card associated with the card information of the card History information stored in the history information storage unit, and a history information storage unit that stores history information of card payment history by the card. On the basis of the biometric information related to the payment request when there is a biometric payment request from the owner by the biometric information of the owner of the card after the number of times of the card payment reaches the predetermined number of times, The biometric information of the card owner stored in the biometric information storage unit is compared, and based on the comparison result, the biometric information is associated with the biometric information. Characterized in that receiving the biometric payment request using the over-de information.

  The payment accepting method according to the present invention is a payment accepting method for a computer system that receives card information from a card and accepts a card payment request using the received card information, wherein the computer system uses the card by the card. The settlement history information is stored. Based on the stored history information, there is a biometric settlement request from the owner based on the biometric information of the card holder after the card settlement has reached a predetermined number of times. The card information associated with the biometric information based on the comparison result, by comparing the biometric information related to the payment request with the biometric information of the owner of the card associated with the card information. A process of accepting the biometric settlement request using the is executed.

  A settlement acceptance program according to the present invention is a settlement acceptance program for a computer system that receives card information from a card and accepts a card settlement request using the received card information. The settlement history information is stored. Based on the stored history information, there is a biometric settlement request from the owner based on the biometric information of the card holder after the card settlement has reached a predetermined number of times. The card information associated with the biometric information based on the comparison result, by comparing the biometric information related to the payment request with the biometric information of the owner of the card associated with the card information. A process of accepting the biometric settlement request using the is executed.

  According to the payment accepting apparatus, computer system, payment accepting method, and payment accepting program according to the present invention, there is an effect that it is possible to make a safer payment by only biometric authentication without using a card.

It is explanatory drawing which shows an example of the system configuration | structure of the computer system of embodiment concerning this invention. It is a block diagram which shows an example of the hardware constitutions of the computer apparatus which implement | achieves the store server and card company server which comprise the computer system of embodiment concerning this invention. It is a block diagram which shows an example of the hardware constitutions of the computer apparatus which implement | achieves the payment reception apparatus of embodiment concerning this invention. It is a block diagram which shows an example of a functional structure of the payment acceptance apparatus of embodiment concerning this invention. It is explanatory drawing which shows an example of the database in which the biometric information in embodiment concerning this invention was registered. It is explanatory drawing which shows an example of the database with which the historical information in embodiment concerning this invention was registered. It is a flowchart (the 1) which shows an example of the process sequence of the payment reception apparatus of embodiment concerning this invention. It is a flowchart which shows an example of the process sequence of the biometric information registration process of the payment acceptance apparatus of embodiment concerning this invention. It is a flowchart (the 1 of the 2) which shows another example of the process sequence of the payment acceptance apparatus of embodiment concerning this invention. It is a flowchart (the 2 of 2) which shows another example of the process sequence of the payment acceptance apparatus of embodiment concerning this invention. It is explanatory drawing (the 1) which shows an example of the information regarding the acceptance or non-acceptance of the biometric payment request | requirement of the payment acceptance apparatus of embodiment concerning this invention. It is explanatory drawing (the 2) which shows an example of the information regarding the acceptance / rejection of the biometric payment request | requirement of the payment acceptance apparatus of embodiment concerning this invention. It is explanatory drawing (the 3) which shows an example of the information regarding the acceptance / rejection of the biometric payment request | requirement of the payment acceptance apparatus of embodiment concerning this invention. It is explanatory drawing which shows an example of the system configuration | structure of the computer system of Example 1 concerning this invention. It is explanatory drawing which shows an example of the system configuration | structure of the computer system of Example 2 concerning this invention. It is explanatory drawing which shows an example of the system configuration | structure of the computer system of Example 3 concerning this invention. It is explanatory drawing which shows an example (the 1) of the inquiry information database which comprises the computer system of Example 3 concerning this invention. It is explanatory drawing which shows an example (the 2) of the inquiry information database which comprises the computer system of Example 3 concerning this invention. It is explanatory drawing which shows an example (the 3) of the inquiry information database which comprises the computer system of Example 3 concerning this invention.

  Exemplary embodiments of a payment acceptance apparatus, a computer system, a payment acceptance method, and a payment acceptance program according to the present invention will be described below in detail with reference to the accompanying drawings.

(System configuration of computer system)
First, the system configuration of a computer system according to an embodiment of the present invention will be described. FIG. 1 is an explanatory diagram showing an example of the system configuration of a computer system according to an embodiment of the present invention.

  In FIG. 1, the computer system 100 includes a store server 101, a payment accepting apparatus 102, a card company server 103, and various databases 104. The store server 101, payment accepting apparatus 102, card company server 103, and various databases 104 are connected to each other via a network 105 such as the Internet so that they can communicate with each other. The network 105 to which the store server 101 and the payment accepting apparatus 102 are connected may be a LAN (Local Area Network), Wi-Fi (registered trademark), or the like.

  The store server 101 communicates with the card company server 103 connected to the network 105. In addition, the store server 101 communicates with the payment accepting apparatus 102. However, the payment accepting apparatus 102 may communicate with the card company server 103 connected to the network 105 directly or via the store server 101.

  The store server 101 is configured by an information processing device (computer device) such as a personal computer, a workstation, or a server computer. The settlement accepting device 102 is a terminal device installed in a store, and is constituted by, for example, a cash register terminal device, a POS system device, or an information processing device (computer device) connected to these devices.

  The card company server 103 can be realized by, for example, a computer device managed by a card issuing company that issues a credit card used in a card payment system that realizes payment using a credit card (card payment). Specifically, the card company server 103 is configured by an information processing device (computer device) such as a personal computer, a workstation, or a server computer.

  The card company server 103 may be, for example, a computer device managed by a member store management company (acquirer) that receives payment information notification from a card member store. The card company server 103 stores various types of information related to execution of card payment in a predetermined storage area.

  The various databases 104 include, for example, databases such as a biological information database 110 shown in FIG. 4A described later and a history information database 120 shown in FIG. 4B described later.

(Example of hardware configuration of store server 101 and card company server 103)
Next, an example of the hardware configuration of the store server 101 and the card company server 103 will be described. FIG. 2A is a block diagram showing an example of a hardware configuration of a computer device that realizes a store server and a card company server that constitute the computer system according to the embodiment of the present invention.

  In FIG. 2A, the computer device that implements the store server 101 and the card company server 103 includes a CPU (Central Processing Unit) 211, a memory 212, and a communication IF (Interface) 213. The CPU 211, the memory 212, and the communication IF 213 included in the computer device are connected by a bus 210.

  Here, the CPU 211 controls the entire computer apparatus. The memory 212 is used as a work area for the CPU 211. The memory 212 stores one program such as a boot program, data constituting various databases, and the like. Further, the memory 212 may store various programs and data related to the payment reception process such as the payment reception program and various databases 104 according to the embodiment of the present invention.

  The memory 212 can be realized by various memory devices (circuits) such as a ROM (Read-Only Memory), a RAM (Random Access Memory), an HDD (Hard Disc Drive), and an HD (Hard Disc), for example.

  The communication IF 213 is connected to the network 105 and controls an interface between the inside of the computer device and an external device such as each other's server or the payment accepting device 102. Specifically, the communication IF 213 controls data input / output between the inside of the computer device and the external device.

(Example of hardware configuration of payment accepting apparatus 102)
Next, an example of the hardware configuration of the payment accepting apparatus 102 will be described. FIG. 2B is a block diagram illustrating an example of a hardware configuration of a computer apparatus that implements the settlement acceptance apparatus 102 according to the embodiment of the present invention.

  In FIG. 2B, the payment accepting apparatus 102 includes a CPU (Central Processing Unit) 221, a memory 222, an output device 223, an input device 224, and a communication IF (Interface) 225. Also. The CPU 221, the memory 222, the output device 223, the input device 224, and the communication IF 225 provided in the payment accepting apparatus 102 are connected by a bus 220.

  The CPU 221 is responsible for overall control of the payment accepting apparatus 102. The CPU 221 controls the entire payment accepting apparatus 102 using various programs and data stored in the memory 222.

  The memory 222 stores programs such as a boot program and data constituting various databases. Further, the memory 222 may store various programs and data related to the payment reception process such as the payment reception program and various databases 104 according to the embodiment of the present invention. The memory 222 can be realized by a hard disk, a flash memory, or the like.

  The output device 223 can be realized mainly by, for example, a liquid crystal display, an organic EL (Electro-Luminescence) display, or the like. Specifically, for example, a display realized by a liquid crystal panel is configured by sandwiching a liquid crystal material (liquid crystal molecules) between a pair of glass substrates in which transparent electrodes are incorporated, and providing a polarizing filter on the glass substrate. .

  The liquid crystal panel controls the state of light transmitted through the glass substrate by applying a voltage to the electrodes to change the direction of the liquid crystal molecules. Further, the liquid crystal panel includes a backlight as a light source. This makes it possible to illuminate an image displayed by liquid crystal molecules that do not emit light by themselves.

  The output device 223 may be a printer that prints characters on a recording sheet such as a receipt.

  The input device 224 includes keys for inputting characters, numerical values, various instructions, and the like, and performs data input. The input device 224 can be realized by, for example, a touch panel or a keyboard. The input device 224 realized by a touch panel, a keyboard, or the like outputs a signal corresponding to an input operation on the input device 224 to the CPU 221.

  When the input device 224 is realized by a touch panel, the touch panel is stacked on the display surface side of the display. When the touch panel detects that a writing member such as a finger or a pen is in contact, the touch panel outputs an electrical signal corresponding to the contact position of the writing member with respect to the touch panel. As the touch panel, various known methods such as a resistive film method, a capacitance method, an acoustic pulse recognition method, an ultrasonic surface acoustic wave method, an infrared light shielding method, and an image recognition method can be used.

  The input device 224 may be a camera that is not shown. The camera is controlled by the CPU 221 to capture an image of an imaging target, generate image data, and input a bar code or characters captured using, for example, an OCR function. Specifically, the camera captures an image of the user in front of the settlement acceptance apparatus 102 when the user performs a predetermined input operation on the settlement acceptance apparatus 102. Image data generated by the camera is output to the CPU 221 and transmitted to the store server 101 and the like via the communication IF 225.

  The input device 224 may be a device such as a scanner or a sensor that reads biological information (for example, fingerprint, blood vessel, retina, iris, etc. (details will be described later)), not shown.

  Further, the input device 224 may be a microphone that inputs voice and the like, not shown. The microphone performs analog / digital conversion on the voice of the speaker input as analog data, and generates digital audio data. By using the microphone, the user can input characters and the like via the payment accepting apparatus 102 instead of using the touch panel or the keyboard.

  The communication IF 225 controls the interface between the payment accepting apparatus 102 and the outside of the payment accepting apparatus 102. The communication IF 225 may be connected to a telephone line network and used for voice communication.

(Functional configuration of payment accepting apparatus 102)
Next, a functional configuration of the payment accepting apparatus 102 will be described. FIG. 3 is a block diagram showing a functional configuration of the settlement accepting apparatus 102 according to the embodiment of the present invention.

  In FIG. 3, the functions of the payment acceptance device 102 are the payment acceptance processing unit 300, the card reading unit 301, the biometric payment request reception unit 302, the output unit 303, the test processing unit 304, and the biometric information reception unit 305. It can be realized by the biological information acquisition unit 306.

  The card reading unit 301 reads card information from the card. Then, the card reading unit 301 sends the read card information to the settlement acceptance processing unit 300. In this embodiment, the function of the card reading unit 301 according to the present invention can be realized by the CPU 221, the input device 224, and the like included in the computer apparatus that realizes the settlement accepting apparatus 102 shown in FIG. 2B.

  Here, in addition to a credit card, the card may be various cards such as a debit card, a prepaid card, and a point card. In order to read the card information from the card, for example, the card information stored in the IC may be read from the IC included in the card in a non-contact manner using a reading device.

  Moreover, you may read the card | curd information memorize | stored in the magnetic stripe with which a card | curd is provided using a magnetic reader. Further, by taking an image of the card itself, an alphanumeric or two-dimensional code (bar code, QR code: registered trademark) printed on the surface of the card may be read.

  The biometric settlement request accepting unit 302 accepts input of a biometric settlement request from the card owner. The biometric payment request is a request that the card owner wants to make a payment based on the owner's biometric information instead of using the card. Then, the biometric settlement request accepting unit 302 sends the biometric settlement request that accepted the input to the settlement acceptance processing unit 300.

  In this embodiment, the function of the biometric settlement request accepting unit 302 according to the present invention is realized by the CPU 221, the output device 223, the input device 224, and the like included in the computer device that realizes the settlement accepting device 102 shown in FIG. 2B. can do.

  In addition to fingerprints, biometric information includes blood vessels (vein patterns obtained by transmitting near-infrared light through the palm, back of the hand, and fingers), retina (capillary pattern of the eye's retina), and iris (the density value of the iris pattern). Histogram), palm shape (palm width, finger length, etc.), ear shape (shape of pinna, etc.), voice (voice print, etc.), and the like. The biometric settlement is performed using at least one of these biometric information.

  Specifically, the biometric settlement request accepting unit 302, for example, inputs a biometric settlement request, that is, for example, an ID of a cardholder and reads biometric information when permitted (see FIG. 7 described later). These steps may be omitted, and biometric information (for example, the fingerprint of the cardholder) may be read (described in detail in the flowchart of FIG. 8 described later). Yes).

  In any case, the biometric settlement request accepting unit 302 uses the card by the card owner, that is, without presenting or handing the card to the store clerk, or without causing the store to read the card. Instead of a card, a payment using the biometric information of the owner (user) is requested.

  The settlement acceptance processing unit 300 stores the number of card settlements (or the number of card settlement acceptances) executed by the card whose card information has been read by the card reading unit 301, and whether or not the number has reached a predetermined number. Judging. You may make it memorize | store the frequency | count of card payment in the log | history information database 120 mentioned later as a use condition.

  In addition, when the biometric payment request is sent from the biometric settlement request accepting unit 302, the settlement acceptance processing unit 300, when the number of card settlements reaches a predetermined number, the sent biometric settlement request. And the biometric information of the card holder registered in advance in association with the card information is compared.

  Here, the predetermined number of times can be arbitrarily set, for example, three times or five times in the same store or chain store. In addition, a limit may be set for the amount of money used once. For example, as a predetermined number of times, card payments of 1000 yen or more can be made three times. Moreover, it is good also as conditions on purchasing a specific goods in connection with the specific goods in a store. Thus, by setting the predetermined number of times freely, it is possible to increase the opportunities for the user to visit the store and promote sales in the store.

  Then, the settlement acceptance processing unit 300 accepts a biometric settlement request using card information associated with the biometric information based on the comparison result. Specifically, the store clerk receives the card from the user, receives the card, and reads the card information without reading the card information (or the predetermined device of the store reads the card information of the user. No), accepting a payment request based on the user's biometric information, and executing a payment using the user's card. Thereby, the safety | security of the transaction by biometric payment can be ensured.

  At that time, the payment acceptance processing unit 300 improves the safety of transactions by limiting the amount of payment that can be made in one biological payment (for example, 1000 yen or less) (reduces damage caused by fraudulent transactions). )be able to.

  Further, the settlement acceptance processing unit 300 may accept a biometric settlement request after the number of card settlements reaches a predetermined number within a predetermined period. Specifically, for example, a biometric payment request may be accepted when there are five or more uses within one month. Thereby, the frequency of a user's visit to a store can be increased and sales promotion in a store can be aimed at.

  Moreover, the payment acceptance processing unit 300 may accept a new biological payment request only within a predetermined period from the time of the previous biological payment. Specifically, for example, it is possible to accept a biometric payment request only within one month from the previous use. This can also increase the frequency of user visits to the store and promote sales in the store.

  In this embodiment, the function of the payment acceptance processing unit 300 according to the present invention can be realized by the CPU 221 provided in the computer device that realizes the payment acceptance device 102 shown in FIG. 2B.

  The output unit 303 outputs information related to acceptability of the biometric settlement request based on the history information when the card settlement is performed. The information on whether or not a biometric payment request can be accepted is information on whether or not a biometric payment request from a user can be accepted. Specifically, for example, “biological settlement is possible”. Information on biometric payments, etc., “Cannot be done because the expiration date has expired,” “Biometric payments can be made from the next time”, “How many times can I make card payments?” .

  The output of the information regarding whether or not the biometric payment request can be accepted may be output by displaying on a predetermined display provided in the vicinity of the payment accepting apparatus 102 so as to be confirmed by the user, and passed to the user. You may carry out by printing on recording paper, such as a receipt. Moreover, you may make it carry out by transmitting to a user's portable terminal device.

  In this embodiment, the function of the output unit 303 according to the present invention can be realized by the CPU 221, the output device 223, and the like included in the computer apparatus that realizes the settlement acceptance apparatus 102 shown in FIG. 2B.

  The test processing unit 304 performs a verification test on the biometric information of the card owner. Then, the settlement acceptance processing unit 300 may accept the biometric settlement request after the test by the test processing unit 304 is completed.

  In this embodiment, the function of the test processing unit 304 according to the present invention can be realized by the CPU 221, the input device 224, and the like included in the computer apparatus that realizes the settlement accepting apparatus 102 shown in FIG. 2B.

  The test processing unit 304 can check the biometric information of the card holder and accept the biometric payment request after the test is completed, thereby ensuring that the biometric payment request can be accepted. . As a result, it is possible to more securely carry out transactions, and more reliably prevent the user from failing to make a biometric payment request and making it impossible to purchase merchandise and the like at the store.

  The biometric information accepting unit 305 accepts input of biometric information of the card owner, and stores the biometric information that has been accepted in association with the card information of the card. The reception of the input of biometric information may be performed when or after the number of card payments reaches a predetermined number. The biometric information receiving unit 305 can register biometric information of a user who has not registered biometric information at an appropriate time. In other words, the user's personal information can be protected by unnecessarily registering biometric information.

  In this embodiment, the function of the biometric information receiving unit 305 according to the present invention is realized by the CPU 221, the output device 223, the input device 224, and the like included in the computer apparatus that realizes the settlement receiving apparatus 102 shown in FIG. 2B. be able to.

  The biometric information acquisition unit 306 acquires, for example, the biometric information of the card owner from the various databases 104 via the network 105, and stores the acquired biometric information in association with the card information of the card. The biometric information may be acquired when the number of card payments reaches or reaches a predetermined number. Since the biometric information that has already been registered can be used by the biometric information acquisition unit 306, the labor of registering the biometric information of the user anew can be omitted.

  In this embodiment, the function of the biometric information acquisition unit 306 according to the present invention is realized by the CPU 221, the output device 223, the input device 224, and the like included in the computer apparatus that realizes the settlement acceptance apparatus 102 shown in FIG. 2B. be able to.

(An example of various databases)
Next, an example of specific contents of the various databases 104 shown in FIG. 1 will be described. The various databases 104 are composed of databases such as a biological information database 110 and a history information database 120, for example.

  FIG. 4A is an explanatory diagram showing an example of a database (biological information database 110) in which biological information is registered according to the embodiment of the present invention. 4A, the biometric information database 110 associates, for example, a user's “user ID”, the user's “card number (such as card information)”, and the user's “biometric information”. Has been remembered.

  The “user ID” is identification information for identifying a user (card owner). The information related to “user ID” is information related to an ID individually set for the user, and is preferably information different from a card number or the like. The “user ID” may be set for each card company or each store, for example.

  The “card number” is information regarding the card number of the user. In addition to the card number of the card, the “card number” may include information such as the expiration date of the card and the name of the user.

  “Biometric information” is biometric information of a user. The “biological information” is information in which biometric information is registered in advance from a user and the received biometric information is stored. Specifically, for example, image information of a user's fingerprint is stored in a predetermined file format. Store as a data file.

  Thus, the biometric information database 110 stores “card number” and “biometric information” in association with each other. Therefore, if biometric information that matches the biometric information received at the time of biometric settlement request is retrieved, the “card number” can be identified from the retrieved “biometric information”.

  FIG. 4B is an explanatory diagram showing an example of a database (history information database 120) in which history information is registered according to the embodiment of the present invention. 4B, the history information database 120 includes, for example, the user's “user ID”, the “card number” of the user (card owner), the “mail address” of the user, and the usage. The “home address” of the user, the “work address” of the user, the “use status” of the user, and the “biological information registration status” of the user are stored.

  The “user ID” is identification information for identifying the user (card owner), similarly to the “user ID” in the biometric information database 110, and the “user ID” in the biometric information database 110. May be the same ID or different IDs. The information related to “user ID” is information related to an ID individually set for the user, and is preferably information different from a card number or the like. The “user ID” may be set for each card company or each store, for example.

  The “card number” is information related to the user's card number, like the “card number” in the biometric information database 110. In addition to the card number of the card, the “card number” may include information such as the expiration date of the card and the name of the user. When the same person has a plurality of cards, different pieces of information are stored.

  By storing the “home address” and “work address” of the user, a store that permits biometric payment requests may be determined based on those addresses. For example, only a store near the user's home or work place can be set as a permitted store, thereby ensuring the security of the settlement transaction.

  “Usage status” is information regarding the usage status of the card related to the card number of the user (card owner). In “Usage Status”, information on the date and time of use (card payment) and the payment amount is stored each time a payment is made. Therefore, the number of times of use can be found by looking at this “use status”. It can also be seen whether or not a predetermined number of uses have occurred within a predetermined period.

  "Biometric information registration status" refers to whether the registration for making a biometric payment request by a user has been completed, and whether the test for biometric payment (test for checking biometric information) has been completed. Information about the registration status.

  In “Biometric Information Registration Status”, if registration for making a biometric payment request is not yet completed, “Registration Complete FLG” is “OFF”, and registration for making a biometric payment request has been completed. In this case, “registration completion FLG” is “ON”.

  In addition, in the “biological information registration status”, when the test for biometric payment (test for checking biometric information) is not yet completed, “test completed FLG” is “OFF”, When the test is completed, “Test Complete FLG” is set to “ON”.

(Processing procedure of settlement acceptance apparatus 102)
Next, the processing procedure of the payment accepting apparatus 102 will be described. 5 to 8 are each a flowchart showing an example of a processing procedure of the settlement accepting apparatus 102 according to the embodiment of the present invention.

  In the flowchart of FIG. 5, first, it is determined whether or not the payment accepting apparatus 102 has requested card payment from the user (step S501). Here, after waiting for a card payment request (step S501: No), if there is a request (step S501: Yes), the payment accepting apparatus 102 determines the card number of the card and other information (for example, , Expiration date, cardholder's name, etc.) are acquired (step S502).

  Then, the card payment process is accepted based on the acquired card number and other information (step S503), whereby predetermined information is sent to the card company server 103, where the card payment process is executed. As for the result of the executed card payment processing, feedback is received from the card company server 103.

  Next, the settlement accepting apparatus 102 determines whether or not the number of card settlements has reached a predetermined number (step S504). If the number of card payments has not reached the predetermined number (step S504: No), the process proceeds to step S506.

  On the other hand, when the number of card payments reaches a predetermined number in step S504 (step S504: Yes), it is determined whether or not the predetermined number of payments is within a predetermined period (step S505). If it is not within the predetermined period (step S505: No), the process proceeds to step S506.

  In step S506, the effective cumulative number of card payments made within a predetermined period is counted (step S506). Therefore, the cumulative count that has passed the predetermined period is reset and counted again from “1”.

  Next, information regarding whether or not the biometric settlement request can be accepted is output (step S507). This information may be the content shown in FIG. 9, for example. As a result, the series of processes is completed.

  On the other hand, in step S505, when the predetermined number of settlements is within the predetermined period (step S505: Yes), a biometric information registration process (process according to the flowchart of FIG. 6 described later) is executed (step S508), As a result, the series of processes is completed.

  FIG. 6 is a flowchart showing an example of a processing procedure of the biometric information registration process (step S508 in the flowchart of FIG. 5 described above) of the payment accepting apparatus 102 according to the embodiment of the present invention.

  In the flowchart of FIG. 6, it is first determined whether or not the user's biometric information is registered (step S601). This determination can be made by referring to a database such as a biometric information registration reference database (not shown). The biometric information registration reference database includes, for example, information on users and information on biometric information registration status (whether biometric information of each user is registered or where it is stored if registered). Registered.

  In step S601, when the biometric information of the user who made the card payment is not registered (step S601: No), the user's biometric information input acceptance process is performed (step S602). Thereafter, the process proceeds to step S605.

  On the other hand, if the biometric information of the user who made the card payment is registered in step S601 (step S601: Yes), the biometric information is stored in the own device (payment acceptance device 102) or in the own store (store server 101). ) Is determined (step S603). This determination can be made by referring to a database such as the biometric information registration reference database not shown.

  In step S603, if biometric information is stored in the own device (or own store) (step S603: Yes), the process proceeds to step S606 without doing anything. On the other hand, when biometric information is not stored in the own device (or own store) (step S603: No), the biometric information is acquired from the database in which the biometric information is registered (step S604).

  Then, the biometric information subjected to the input reception process in step S602 or the biometric information acquired in step S604 is stored in a predetermined storage area in the own device (or own store) (step S605).

  Next, the registration completion flag (FLG) indicating that the registration of the biometric information is completed is switched to “ON” (step S606).

  Thereafter, a verification test is performed (step S607). The verification test is a test for actually receiving input of biometric information of a user, performing verification with registered biometric information, and confirming whether or not they match as a result of verification. If collation fails, retry is performed a predetermined number of times, and if it still fails, the biometric information input acceptance process of the user in step S602 may be performed although illustration is omitted.

  If the result of the verification test is successful, the test completion flag (FLG) indicating that the verification test is completed is switched to “ON” (step S608), and the series of biometric information registration processing ends.

  Note that the verification test process (steps S607 and S608) may be omitted. The verification test process may be performed only when the biometric information acquisition process shown in step S604 is performed, and the verification test is performed only when the biometric information input acceptance process shown in step S602 is performed. May be. Further, the necessity of the verification test process may be determined by the user, or the necessity of the verification test process may be determined according to a request from the user.

  Next, the biometric settlement acceptance process will be described. 7 and 8 are flowcharts showing another example of the processing procedure of the settlement accepting apparatus according to the embodiment of the present invention.

  In the flowchart of FIG. 7, it is first determined whether or not the payment accepting apparatus 102 has requested biometric payment from the user (step S701). Specifically, the biometric payment request can be made by the user by inputting an ID, a name, or the like. The user does not suddenly input the biometric information of the user, but first accepts the input of the biometric information after determining whether or not the user can make payment using the biometric information.

  In step S701, waiting for a request for biometric settlement (step S701: No), and if there is a request (step S701: Yes), the settlement accepting apparatus 102 performs biometric information registration processing on the user. It is determined whether or not it has been completed (step S702).

  In step S702, if the biometric information registration process has not been completed (step S702: No), information regarding whether or not the biometric settlement request can be accepted, specifically, the biometric information registration process has not been completed, and biometric settlement is performed. The information indicating that it cannot be output is output (step S703). This information may be the content shown in FIG. As a result, the series of processes is completed.

  In step S702, if the biometric information registration process has been completed (step S702: Yes), it is next determined whether or not it is within a predetermined period since the previous biometric settlement (step S704).

  In step S704, if it is not within the predetermined period from the time of the previous biometric settlement (step S704: No), the biometric settlement is performed because the information regarding whether or not the biometric settlement request is accepted, specifically, the expiration date has passed. Information indicating that it cannot be output is output (step S705). This information may be the content shown in FIG. As a result, the series of processes is completed.

  In step S704, when it is within the predetermined period from the previous biometric settlement (step S704: Yes), the input of the biometric information of the user is accepted (step S706). Then, the input biometric information is compared with the registered biometric information, and it is determined whether or not the two match (step S707).

  As a result of the determination in step S707, if the two pieces of biometric information do not match (the collation is NG) (step S707: No), error processing is performed (step S708), and the series of processing ends. In this case, the user cannot make a biometric payment. Therefore, although not shown in the figure, the user is notified to make payment by card.

  As a result of the determination in step S707, if the two pieces of biometric information match (the collation is OK) (step S707: Yes), the card payment processing of the user is accepted without presenting the card (step S709). Then, the settlement date and time is stored (step S710), and the series of processes is terminated.

  In the process in the flowchart of FIG. 7, when a biometric payment request from a user is received and it is determined that biometric payment can be accepted, the input of the biometric information of the user is accepted. In the processing in the flowchart, the user's input of biometric information is suddenly accepted.

  In the flowchart of FIG. 8, it is first determined whether or not the payment accepting apparatus 102 has received input of biometric information from the user (step S801). Here, waiting for the input of biometric information (step S801: No), and when there is an input (step S801: Yes), the payment accepting apparatus 102 registers the biometric information registered with the input biometric information. The information is checked to determine whether there is matching biometric information (step S802).

  If the result of determination in step S802 is that there is no matching biometric information (verification is NG) (step S802: No), error processing is performed (step 803), and the series of processing is terminated. In this case, the user cannot make a biometric payment. Therefore, although not shown in the figure, the user is notified to make payment by card.

  As a result of the determination in step S802, when there is matching biometric information (verification is OK) (step S802: Yes), the user, for example, in step S508 (flowchart of FIG. 6) of the flowchart of FIG. It is determined whether or not the biometric information registration process shown has been completed (step S804).

  In step S804, if the biometric information registration process has not been completed (step S804: No), information regarding whether or not the biometric payment request can be accepted, specifically, the biometric information registration process has not been completed, and biometric settlement is performed. Information indicating that the data cannot be output is output (step S805). This information may be the content shown in FIG. As a result, the series of processes is completed.

  In step S804, if the biometric information registration process has been completed (step S804: Yes), it is next determined whether or not it is within a predetermined period since the previous biometric settlement (step S806).

  In step S806, if it is not within the predetermined period since the previous biometric settlement (step S806: No), the biometric settlement is performed because the information regarding whether or not the biometric settlement request is accepted, specifically, the expiration date has passed. Information indicating that it cannot be output is output (step S807). This information may be the content shown in FIG. As a result, the series of processes is completed.

  In step S806, if it is within a predetermined period from the previous biometric settlement (step S806: Yes), a card settlement process is accepted (step S808). Then, the settlement date and time is stored (step S809), and the series of processes is terminated.

(Example of information regarding acceptability of biometric payment request)
Next, an example of information regarding whether or not to accept a biometric settlement request output by the output unit 303 illustrated in FIG. 3 will be described. 9-11 is explanatory drawing which shows an example of the information regarding the acceptability of the biometric payment request | requirement of the payment acceptance apparatus of embodiment concerning this invention.

  In FIG. 9, a receipt 900 is an example of a receipt output (printed) by the output unit 303 of the settlement accepting apparatus 102. The receipt 900 says, “This is the fourth time this card has been used. If you make a payment with a card more than once by May 31, you can then use a “fingerprint” for payment. "Is displayed (printed).

  The receipt 900 may be output by, for example, an output process of information regarding whether or not to accept a biometric payment request in step S507 in the flowchart of FIG.

  Thus, by outputting the contents of the receipt 900, it is possible to give a notice that biometric payment to the user is possible. Further, by indicating the remaining number of times of card payment use as a condition for enabling biometric payment, it is possible to promote the use of card payment and the promotion of transactions at the store.

  In FIG. 10, a receipt 1000 is another example of a receipt output (printed) by the output unit 303 of the settlement accepting apparatus 102. The receipt 1000 says, “You have not yet been registered for payment by“ fingerprint ”, so you have not yet been registered for payment by“ fingerprint ”, so you cannot make payment by“ fingerprint ”. ], "Please make a payment by cash or card. "Is displayed (printed). By displaying in this way, the user is notified of the fact that biometric payment is not possible this time, along with the reason why the payment cannot be made.

  In addition, the receipt 1000 says, “If you use card payment more than 5 times in our shop, you can use“ fingerprint ”for payment. Please use all means. Is displayed. By displaying in this way, the user is presented with information regarding the conditions under which biometric payment is possible.

  The receipt 1000 may be output, for example, by the output process of information regarding whether or not the biometric payment request can be accepted in step S703 of the flowchart of FIG. 7 or step S805 of the flowchart of FIG.

  By outputting the contents of the receipt 1000 as described above, it is possible to inform the user that registration is required in order to perform biometric payment to the user. In addition, by clearly indicating the conditions for enabling biometric settlement, it is possible to promote the use of card settlement and the transaction at the store.

  In FIG. 11, a receipt 1100 is another example of a receipt output (printed) by the output unit 303 of the settlement acceptance apparatus 102. The receipt 1100 says, “The expiry date has passed since the last use. ], "Please make a payment by cash or card. "Is displayed (printed). By displaying in this way, the user is notified that biometric settlement is not possible this time, along with the reason why biometric settlement is not possible.

  In addition, the receipt 1100 must be re-registered if you wish to use “fingerprint”. Please ask the store clerk for details. Is displayed. Displaying in this way indicates to the user that re-registration is possible.

  This receipt 1100 may be output, for example, by the output processing of information relating to acceptability of the biometric payment request in step S705 of the flowchart of FIG. 7 or step S807 of the flowchart of FIG.

  By outputting the contents of the receipt 1100 in this way, it is possible to notify that the biometric payment to the user has an expiration date, and that when the expiration date has expired, re-registration is necessary. Further, in order to prevent the expiration date from expiring, it is possible to promote the use of card settlement and the transaction at the store by frequently making use at the store.

Example 1
Next, Example 1 will be described. FIG. 12 is an explanatory diagram showing an example of the system configuration of the computer system according to the first embodiment of the present invention. In FIG. 12, in the computer system according to the first embodiment, a plurality of settlement acceptance devices (store terminals) 102 </ b> A, 102 </ b> B, and 102 </ b> C are connected to the store server 101.

  A biometric information database 110 and a history information database 120 are connected to the store server 101. Further, the biological information database 110 and the history information database 120 may be provided in the store server 101.

  In such a configuration, each payment accepting device (store terminal) 102A to 102C accesses the store server 101, and receives the biometric information of the user who has received registration via the store server 101. Register with Moreover, each payment acceptance device (store terminal) 102 </ b> A to 102 </ b> C accesses the store server 101 and acquires the biometric information of the user from the biometric information database 110 via the store server 101.

  Similarly, each settlement acceptance device (store terminal) 102A to 102C accesses the store server 101 and registers the user's history information in the biometric information database 110 via the store server 101. Moreover, each payment acceptance device (store terminal) 102 </ b> A to 102 </ b> C accesses the store server 101 and acquires user history information from the biometric information database 110 via the store server 101.

  Thus, since each payment acceptance device (store terminal) 102A to 102C stores neither biometric information nor history information, each payment acceptance device (store terminal) 102A to 102C has the same data. There is no need. Moreover, each payment acceptance device (store terminal) 102A to 102C cannot directly access the biometric information database 110 and the history information database 120 without going through the store server 110, respectively.

  Therefore, the store server 101 centrally manages biometric information and history information, thereby not only simplifying data management but also more reliably preventing leakage of data (user personal information), and data safety. Can be secured.

  The configuration of the first embodiment is suitable for use in, for example, a convenience store, a supermarket, a department store, etc. provided with a plurality of cash registers.

(Example 2)
Next, Example 2 will be described. FIG. 13 is an explanatory diagram showing an example of the system configuration of the computer system according to the second embodiment of the present invention. In FIG. 13, in the computer system of the second embodiment, a plurality of settlement acceptance devices (store terminals) 102 </ b> A, 102 </ b> B, and 102 </ b> C are connected to the store server 101.

  The biometric information databases 110A, 110B, and 110C and the history information databases 120A, 120B, and 120C are connected to the settlement accepting devices (store terminals) 102A, 102B, and 102C, respectively. Further, the biometric information database 110 and the history information database 120 may be provided in each settlement acceptance device (store terminal) 102A, 102B, 102C.

  The biometric information databases 110A, 110B, and 110C are not shown in the figure, but are always synchronized, and the same biometric information can be acquired from any of the settlement acceptance devices (store terminals) 102A, 102B, and 102C. it can. The history information databases 120A, 120B, and 120C are also not shown in the figure, but are always synchronized with each other, and the same history information can be acquired from any of the payment acceptance apparatuses (store terminals) 102A, 102B, and 102C. it can.

  In such a configuration, each payment accepting device (store terminal) 102A to 102C directly accesses the biometric information database 110A to 110C of the biometric information of the user who accepted the registration without accessing the store server 101. Register with Moreover, each payment acceptance apparatus (store terminal) 102A-102C acquires the user's biometric information directly from the biometric information databases 110A-110C without accessing the store server 101, respectively.

  Similarly, each payment acceptance device (store terminal) 102A to 102C directly registers user history information in the history information databases 120A to 120C without accessing the store server 101. Moreover, each payment acceptance apparatus (store terminal) 102A-102C acquires the user's history information from the history information databases 120A-120C without accessing the store server 101, respectively.

  In this way, biometric information (database) and history information (database) can be managed in a distributed manner without centralized management, thereby preventing hacking / falsification, thereby ensuring data safety. Can do.

  The configuration of the second embodiment is suitable for use in, for example, a convenience store, a supermarket, a department store, etc. provided with a plurality of cash registers.

(Example 3)
Next, Example 3 will be described. FIG. 14 is an explanatory diagram showing an example of the system configuration of the computer system according to the third embodiment of the present invention. In FIG. 14, in the computer system of the third embodiment, a plurality of settlement acceptance devices (store terminals) 102 </ b> A, 102 </ b> B, and 102 </ b> C are connected to the store server 101. A plurality of card company servers 103A, 103B, and 103C are connected to the store server 101.

  The biometric information databases 110A, 110B, and 110C and the history information databases 120A, 120B, and 120C are connected to the card company servers 103A, 103B, and 103C, respectively. The biometric information database 110 and the history information database 120 may be provided in each of the card company servers 103A, 103B, and 103C.

  The store server 101 is connected to an inquiry information database 130 (specifically, for example, FIGS. 15A to 15C described later). Further, the contact information database 130 may be provided in the store server 101.

  In such a configuration, each settlement acceptance device (store terminal) 102A to 102C accesses the store server 101 and makes an inquiry about the received biometric information to the store server 101.

  The store server 101 that has received the inquiry about the biometric information receives the biometric information and the biometric information registered in the contact information database 130 (for example, the contact information database (part 1) 130A shown in FIG. 15A). To check whether there is matching biometric information. If there is matching biometric information, information about the inquiry destination associated with the matching biometric information is acquired.

  And store server 101 specifies card company server 103 (any of card company servers 103A-103C) of an inquiry place based on the information about the acquired inquiry place, and the card of the specified inquiry place The biometric information inquired from each settlement acceptance device (store terminal) 102A to 102C is transmitted to the company server 103.

  Then, the card company server 103 of the identified inquiry uses the biometric information database 110 connected to the card company server 103 to collate the received biometric information, and is related as a result of the collation. The user's card number is specified, and settlement using the card number is executed. The store server 101 receives the result of the payment from the card company server 103, and passes the result to the payment accepting device (store terminal) 102 that has inquired.

  Similarly, each payment accepting device (store terminal) 102A to 102C accesses the store server 101, and the user's history information is stored in the card company server 103 for the user's card via the store server 101. It is registered in the history information database 120 to which (any of the card company servers 103A to 103C) is connected.

  Moreover, each payment acceptance device (store terminal) 102A to 102C accesses the store server 101, and via the store server 101, the card company server 103 (card company servers 103A to 103C of the user's card). The user's history information is acquired from the history information database 120 to which any one is connected.

  At that time, the store server 101 acquires the user ID and corresponds to the user ID registered in the contact information database (for example, the contact information database (part 2) 130B shown in FIG. 15B). Information about the attached inquiry destination may be acquired, and the corresponding history information database 120 may be accessed based on the acquired information.

  Further, the store server 101 acquires the card number of the user and associates it with the card number registered in the contact information database (for example, the contact information database (No. 3) 130C shown in FIG. 15C). Information regarding the inquired contact information may be acquired, and the corresponding history information database 120 may be accessed based on the acquired information.

  15A to 15C are explanatory views showing an example of the inquiry destination information database constituting the computer system according to the third embodiment of the present invention.

  In FIG. 15A, the contact information database (No. 1) 130A registers the biometric information of the user and information related to the card company related to the card of the user who is the contact.

  The biometric information of the user is obtained by receiving biometric information from the user in advance and storing the received biometric information. Specifically, for example, image information of the user's fingerprint is stored as a data file. To do.

  The contact information is, for example, information related to the card company server 103 that registers the user's biometric information and history information.

  As described above, the contact information database (No. 1) 130A stores only the biometric information of the user and information related to the card company server 103 that performs the verification / authentication. (Part 1) Personal information including a user's card number cannot be specified only from 130A.

  Therefore, even if the store server 101 refers to the contact information database (part 1) 130A, the store server 101 cannot identify the individual user, and the user can use the biometric information safely and securely. It becomes possible to make a settlement request.

  FIG. 15B is an explanatory diagram showing another example of the inquiry destination information database (inquiry destination information database (part 2) 130B) constituting the computer system according to the third embodiment of the present invention. The data structure is different from the contact information database (part 1) 130A.

  In FIG. 15B, in the inquiry destination information database (part 2) 130B, information relating to the user ID and information relating to the card company relating to the card of the user who is the inquiry destination are associated and registered.

  The information related to the user ID is information related to the ID individually set for the user, and is information different from the card number of the user.

  The contact information is, for example, information related to the card company server 103 in which the user's biometric information and history information are registered, as in the contact information database (part 1) 130A.

  As described above, the inquiry information database (part 2) 130B stores only information related to the user ID, biometric information, and information related to the card company server 103 that performs verification / authentication. Personal information including the user's card number cannot be specified only from the destination information database (part 2) 130B.

  Therefore, the store server 101 cannot specify the user's card number or other personal information even by referring to the contact information database (part 2) 130B. In addition, it is possible to make a payment request using biological information with peace of mind.

  FIG. 15C is an explanatory diagram showing another example of the inquiry destination information database (inquiry destination information database (No. 3) 130C) constituting the computer system according to the third embodiment of the present invention. The data structure of the contact information database (part 1) 130A and the contact information database (part 2) 130B is different.

  In FIG. 15C, the inquiry destination information database (No. 3) 130C is registered in association with information on the card number of the user and information on the card company relating to the card of the user who is the inquiry destination. .

  The information related to the user's card number may include an expiration date, the user's name, and the like in addition to the card number. Further, the card number may not be all, or only a part of the card number.

  The contact information is, for example, the card company server 103 in which the user's biometric information and history information are registered, as in the contact information database (part 1) 130A and the contact information database (part 2) 130B. It is information about.

  As described above, if the contact information database (No. 3) 130C is used, the card company server 103 that performs verification / authentication can be known if the card number of the user is known. Therefore, the store server 101 can easily access the biometric information database 110 in which the user's biometric information is stored and the history information database 120 in which the user's history information is stored.

  The contact information database 130 referred to by the store server 101 includes the contact information database (part 1) 130A, the contact information database (part 2) 130B, and the contact information database (part 3) 130C described above. Any of these may be used, and the store server 101 may include a plurality of contact information databases 130 and may be appropriately selected and used.

  In the third embodiment, since the biometric information (database) and the history information (database) are not managed by each card company server 103 or the settlement acceptance device 102, the store server 101 and the settlement acceptance device 102 prevent hacking / tampering. As a result, data security can be ensured. The configuration of the third embodiment is suitable for use in, for example, a small store.

(Other examples)
The biometric information accepting unit 305 may accept input of only a part of the user's biometric information (for example, a fingerprint image) during multiple card payments. For example, when the predetermined number of times is 3, the input of a fingerprint image of only 1/3 is accepted at the time of the first card payment, and the remaining 2/3 at the time of the second card payment. The fingerprint image input of only 1/3 part is accepted, and the fingerprint image input of the last 1/3 part is accepted at the time of the third card settlement, and the fingerprint is received with the acceptance of the 3rd input. You may make it complete reception of the input of all the images.

  In addition, for the biometric information of the user, if a total of 15 acceptance operations are required, the acceptance operation is performed only 5 times at the time of the first card settlement, and at the time of the second card settlement, Of the remaining ten times, five acceptance operations may be performed, and the remaining five acceptance operations may be performed at the time of the third card settlement. In this way, the work amount can be divided. Each number may not be equal. For example, the acceptance operation may be seven times during the first card settlement, eight acceptance operations during the second card settlement, and five acceptance operations during the third card settlement.

  By doing so, it is possible to shorten the time for accepting the fingerprint image input per time, to improve the convenience of the user, and to improve the efficiency of the card payment processing of the store clerk. it can.

  As described above, the payment accepting apparatus 102 according to the embodiment of the present invention is a payment accepting apparatus that reads card information from a card and accepts a card payment request using the read card information. Based on the history information, if there is a biometric payment request from the owner based on the biometric information of the owner of the card after the card payment has reached the predetermined number of times, the biometric information related to the payment request And the biometric information of the owner of the card associated with the card information, and based on the comparison result, the settlement acceptance processing unit 300 that accepts the biometric settlement request using the card information associated with the biometric information. Is provided.

  As a result, it is possible to permit payment using biometric information only in a store where there is a record of card payment more than a predetermined number of times (so-called “familiar store” that is frequently used by users) without using a card. Only biometric authentication can be used for more secure payment. Therefore, specifically, for example, it is possible to enter a convenience store in the neighborhood of the house by hand without having a wallet (card), and purchase a product or the like by payment using biometric information. Even when you don't have a wallet for jogging or taking a walk, you can easily visit the store and purchase products, and you can further promote sales.

  Further, in the settlement acceptance apparatus 102 according to the embodiment of the present invention, the settlement acceptance processing unit 300 accepts a biometric settlement request after the number of card settlements reaches a predetermined number “within a predetermined period”. Further, in the settlement accepting apparatus 102 according to the embodiment of the present invention, the settlement acceptance processing unit 300 accepts a new biometric settlement request only within a predetermined period from the previous biometric settlement.

  As a result, it is possible to increase the frequency of the user's visit to the store and promote sales in the store.

  Moreover, the payment accepting apparatus 102 according to the embodiment of the present invention includes an output unit 303 that outputs information related to acceptability of a biometric payment request based on history information when card payment is performed. As a result, information on the situation can be accurately transmitted to the user, and the use of biometric payment can be advertised.

  Further, the settlement acceptance apparatus 102 according to the embodiment of the present invention includes a test processing unit 304 that performs a test for checking the biometric information of the card holder, and the settlement acceptance processing unit 300 performs a test by the test processing unit 304. After completion, a biometric settlement request is accepted.

  As a result, transactions can be performed more safely, and it is possible to more reliably prevent the user from failing to make a biometric payment request and making it impossible to purchase merchandise and the like at the store.

  Further, the payment accepting apparatus 102 according to the embodiment of the present invention accepts input of the cardholder's biometric information when or after the number of card payments reaches or reaches a predetermined number, A biometric information receiving unit 305 is provided that stores information in association with the card information of the card.

  This makes it possible to register biometric information of a user who has not registered biometric information at an appropriate time.

  In addition, the payment acceptance device 102 according to the embodiment of the present invention acquires the biometric information of the card holder when or after the number of card payments reaches a predetermined number of times. A biometric information acquisition unit 306 is provided that stores the card information in association with the card information.

  As a result, biometric information that has already been registered can be used, so that it is possible to save the trouble of re-registering the biometric information of the user.

  The settlement acceptance method described in this embodiment can be realized by executing a program prepared in advance on a computer such as a personal computer or a workstation. This program is recorded on a computer-readable recording medium such as a hard disk, a flexible disk, a CD-ROM, an MO, and a DVD, and is executed by being read from the recording medium by the computer. The program may be a transmission medium that can be distributed via a network such as the Internet.

  As described above, the payment acceptance device, the computer system, the payment acceptance method, and the payment acceptance program according to the present invention are suitable for a payment acceptance device, a payment acceptance method, and a payment acceptance program that accept a payment based on biometric authentication.

DESCRIPTION OF SYMBOLS 100 Computer system 101 Store server 102 (102A, 102B, 102C) Payment acceptance apparatus 103 (103A, 103B, 103C) Card company server 104 Various databases 110 (110A, 110B, 110C) Biological information database 120 (120A, 120B, 120C) ) History Information Database 130 Contact Information Database 300 Settlement Acceptance Processing Unit 301 Card Reading Unit 302 Biological Settlement Request Accepting Unit 303 Output Unit 304 Test Processing Unit 305 Biometric Information Accepting Unit 306 Biometric Information Obtaining Unit

Claims (10)

A payment accepting device that reads card information from a card and accepts a card payment request using the read card information,
Based on the card payment history information by the card, if there is a biometric payment request from the owner by the biometric information of the owner of the card after the card payment has reached the predetermined number, The biometric payment using the card information associated with the biometric information based on the comparison result by comparing the biometric information related to the settlement request with the biometric information of the owner of the card associated with the card information. A settlement accepting device comprising a settlement acceptance processing unit for accepting a request.   2. The settlement accepting apparatus according to claim 1, wherein the settlement acceptance processing unit accepts the biometric settlement request after the number of card settlements reaches a predetermined number within a predetermined period.   3. The settlement accepting apparatus according to claim 1, wherein the settlement acceptance processing unit accepts a new biometric settlement request only within a predetermined period from the time of the biometric settlement performed last time.   The output part which outputs the information regarding the acceptability of the said biometric payment request | requirement based on the said history information when the said card payment is performed was provided. The payment accepting apparatus described. A test processing unit for performing a verification test of the biometric information of the card holder,
The payment acceptance device according to any one of claims 1 to 4, wherein the payment acceptance processing unit accepts the biometric settlement request after the test by the test processing unit is completed.   A biological body that accepts input of biometric information of the card owner when the number of card payments reaches or reaches a predetermined number, and stores the biometric information that has been accepted in association with the card information of the card 6. The settlement accepting apparatus according to claim 1, further comprising an information accepting unit.   A biometric information acquisition unit that acquires biometric information of the card owner when the number of card payments reaches or reaches a predetermined number, and stores the acquired biometric information in association with the card information of the card The settlement accepting apparatus according to any one of claims 1 to 5, further comprising: A payment acceptance processing unit for receiving card information from a card and receiving a card payment request using the received card information;
A biometric information storage unit that stores biometric information of the card owner associated with the card information of the card;
A history information storage unit for storing history information of card payment by the card;
With
The settlement acceptance processing unit
Based on the history information stored in the history information storage unit, when there is a biometric payment request from the owner by the biometric information of the card owner after the card payment has reached a predetermined number of times The biometric information related to the payment request is compared with the biometric information of the card owner stored in the biometric information storage unit, and the card information associated with the biometric information is used based on the comparison result. And accepting the biometric settlement request. A payment acceptance method for a computer system that receives card information from a card and accepts a card payment request using the received card information,
The computer system is
Stores card payment history information by the card,
Based on the stored history information, if there is a biometric payment request from the owner based on the biometric information of the card owner after the number of card payments reaches a predetermined number, Compare the biometric information with the cardholder's biometric information associated with the card information,
A payment accepting method, comprising: executing a process of accepting the biometric settlement request using card information associated with the biometric information based on the comparison result. A payment acceptance program for a computer system that receives card information from a card and accepts a card payment request using the received card information,
In the computer system,
Stores card payment history information by the card,
Based on the stored history information, if there is a biometric payment request from the owner based on the biometric information of the card owner after the number of card payments reaches a predetermined number, Compare the biometric information with the cardholder's biometric information associated with the card information,
A payment accepting program for executing a process of accepting the biometric payment request using card information associated with the biometric information based on the comparison result.

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