WO2001088782A1

WO2001088782A1 - Electronic settlement system, settlement device and terminal

Info

Publication number: WO2001088782A1
Application number: PCT/JP2000/003260
Authority: WO
Inventors: Keiichi Nakajima
Original assignee: E-Mark Systems Inc.
Priority date: 2000-05-19
Filing date: 2000-05-19
Publication date: 2001-11-22
Also published as: AU2001227070A1; KR20030023865A; AU4779300A; JP4546692B2; WO2001088785A1

Abstract

A simple, safe electronic settlement system is provided. A user terminal (20), a pager, for example, at a shop communicates with a settlement server (30) over radio, and a register terminal (10) at the shop communicates with the settlement server (30) over a dedicated line or the like. The pager receives a transaction identification number set by the settlement server and displays it in bar codes for reading by the register terminal. The register terminal transmits the transaction identification number to the settlement server which performs a settlement processing only when the transaction identification number received from the register terminal agrees with a set transaction identification number. A person in charge of the register terminal authenticates the user via the settlement server. Since the user concludes the settlement without disclosing to the shop personal information such as a credit card number and password, security is enhanced.

Description

Description Electronic payment system, payment device and terminal

The present invention relates to an electronic payment system, a payment device, and a terminal that can perform payment in commercial transactions electronically using a communication network. Background art

2. Description of the Related Art Conventionally, in an electronic payment system for electronically performing settlement in a commercial transaction via a communication network, personal information such as a credit card number is transmitted as digital data via the Internet. If you send personal information, such as a credit card number, directly to the Internet, your credit card number may be stolen and misused. Therefore, it is necessary to prevent leakage of personal information by using advanced encryption technology. For this reason, the electronic payment system requires a complicated authentication procedure in order to improve security, and there has been a problem that simplicity has to be sacrificed. Therefore, an object of the present invention is to solve such a problem and provide a safe and simple electronic settlement system. Disclosure of the invention

According to a first embodiment of the present invention, there is provided an electronic payment system for performing transaction settlement using a communication network, wherein the settlement apparatus performs transaction settlement. And a payment terminal connected to the payment device via the communication network to make a bill in the transaction; and a payment terminal connected to the payment device through the communication network to make a payment in the transaction. A transaction identification number for identifying a transaction is set between the payment terminal and the payment terminal.If the billing terminal sends the same transaction identification number to the payment device, To settle the transaction It is characterized by performing.

The payment device sends the transaction identification number to the payment terminal, receives the transaction identification number notified by the payment terminal to the billing terminal from the billing terminal, and receives the transaction identification number set by the payment device and the transaction received from the billing terminal. The transaction may be settled between the billing terminal and the payment terminal if the identification numbers are collated and matched.

According to another embodiment of the present invention, there is provided a settlement apparatus for communicating with a billing terminal for making a bill in a transaction and a payment terminal for making a payment in the transaction, and performing settlement of the transaction. A first communication unit connected to the billing terminal; a second communication unit connected to the payment terminal via the second communication network; and a processing unit for performing a settlement process of the transaction. A transaction identification number that identifies the transaction is set between the terminal and the terminal.If the billing terminal sends the same transaction identification number as the transaction identification number to the payment device, the transaction In this method, the transaction is settled.

The second communication unit transmits the transaction identification number to the payment terminal, the first communication unit receives the transaction identification number notified by the payment terminal to the billing terminal from the billing terminal, and the processing unit performs The transaction identification number set by the department may be compared with the transaction identification number received from the billing terminal, and if they match, the transaction settlement processing may be performed between the billing terminal and the payment terminal.

The first communication unit receives, from the billing terminal, a payment terminal identification number for identifying the payment terminal notified by the payment terminal to the billing terminal, and the processing unit sets a transaction identification number in association with the payment terminal identification number. However, the second communication unit may transmit the transaction identification number to the payment terminal identified by the payment terminal identification number.

The second communication unit transmits the transaction identification number to the payment terminal identified by the payment terminal identification number, and the first communication unit transmits the payment terminal identification number and the transaction identification number notified by the payment terminal to the billing terminal. The processing unit receives the number from the billing terminal and correlates the transaction identification number set by the processing unit with the transaction identification number received from the billing terminal in association with the payment terminal identification number received from the billing terminal. If they match, the payment terminal identification number Payment processing of the transaction may be performed between the payment terminal to be charged and the billing terminal.

The processing unit further includes a storage unit configured to store a transaction identification number setting time in which the transaction identification number is set in association with the payment terminal identification number.

The transaction identification number received from the billing terminal is compared with the transaction identification number reception time, and if the difference between the transaction identification number setting time and the transaction identification number reception time is within a predetermined time, the settlement process may be performed. Good.

The first communication unit receives the purchase price in the transaction from the billing terminal, and the processing unit

Transaction processing may be performed for the user of the payment terminal based on the purchase price received from the billing terminal by the first communication unit.

The first communication unit may receive the purchase price in the transaction from the billing terminal, and the second communication unit may transmit the purchase price to the payment terminal in order to allow the user of the payment terminal to confirm the purchase price. .

The first communication unit transmits a settlement completion notification notifying the completion of the settlement processing by the processing unit to the requesting terminal, and the second communication unit notifies the receipt of the purchase amount in the settlement processing by the processing unit. May be transmitted to the payment terminal.

A billing terminal database storing information on the billing terminal, wherein the first communication unit receives the billing terminal identification number for identifying the billing terminal from the billing terminal, and the processing unit performs processing based on the billing terminal identification number. Then, information on the billing terminal may be extracted from the billing terminal database, and the registration of the billing terminal may be confirmed.

The second communication unit may transmit the information on the billing terminal extracted from the billing terminal database to the payment terminal so that the payment terminal can confirm the billing terminal.

The information processing apparatus further includes a payment terminal database storing information on the payment terminal, and the processing unit extracts information about the user of the payment terminal from the payment terminal database based on the payment terminal identification number, and registers a user registration status and a user. You may check the usage status of and the at least one of the user's possible settlement amounts.

The processing unit extracts at least a part of the attribute information of the user of the payment terminal from the payment terminal database, and the first communication unit extracts at least a part of the attribute information of the user from the payment terminal. It may be sent at the end.

A payment terminal database storing information on the payment terminal;

The first communication unit may extract authentication information of the user of the payment terminal from the payment terminal database, and transmit the authentication information of the user to the request terminal in order for the request terminal to authenticate the user. The user authentication information may be a face photograph of the user.

The first communication unit receives a signal requesting authentication by the user's password from the billing terminal, the processing unit extracts information on the password of the user of the payment terminal from the payment terminal database, and the second communication unit Sends a command for requesting a password to the payment terminal, receives the password input by the payment terminal from the billing terminal, and the processing unit compares the password received from the billing terminal with information on the password extracted from the payment terminal database. The first communication unit may authenticate the user by collating and transmitting the success or failure of the password collation by the processing unit to the billing terminal.

The information processing apparatus further includes a payment terminal database storing information on the payment terminal.

Then, the authentication information registered by the user of the payment terminal is extracted from the payment terminal database, the second communication unit transmits an instruction for inquiring the authentication information to the payment terminal, and the first communication unit Alternatively, the user may be authenticated by receiving the authentication information notified to the billing terminal.

The first communication unit may notify the billing terminal of the success or failure of the user authentication by transmitting the result of the authentication by the processing unit to the billing terminal. The payment terminal database may store a plurality of authentication information registered by a user, and the processing unit may randomly extract at least one of the plurality of authentication information from the payment terminal database.

The payment terminal database further stores information on the payment terminal, the billing terminal database stores an authentication method required by the billing terminal, the payment terminal database stores an authentication method requested by the user, and the processing unit includes: The authentication method requested by the billing terminal is extracted from the billing terminal database, the authentication method requested by the user is extracted from the payment terminal database, and based on the authentication method requested by the billing terminal and the authentication method requested by the user. An authentication method that can be agreed upon may be determined, and the user may be authenticated. If the authentication accuracy of the authentication method requested by the billing terminal is different from the authentication accuracy of the authentication method requested by the user, the authentication method with the higher authentication accuracy may be an agreed authentication method.

If the authentication method requested by the billing terminal does not match the authentication method requested by the user, the processing unit rejects the user authentication, and the second communication unit rejects the authentication by the payment terminal. May be transmitted.

The authentication method requested by the terminal and the user requires visual authentication using the photograph data of the user, password authentication using the authentication information registered by the user as the password, and voice data registered by the user. The content may be specified for at least one of the authenticated voice authentications.

If the authentication method requested by the user is a specified content that refuses visual authentication, and the authentication method requested by the requesting terminal is a specified content that does not require visual authentication, the processing unit shall agree to the authentication method. May not include visual authentication. If the authentication method requested by the user is a specified content that refuses visual authentication, and the authentication method requested by the requesting terminal is a specified content that requires visual authentication, the processing unit performs authentication of the user. Rejection, the second communication unit may transmit information indicating that the authentication has been rejected to the payment terminal because the authentication method cannot be agreed.

If the authentication method requested by the user is a specification to add password authentication, the processing unit may combine the authentication method requested by the billing terminal with the password authentication to obtain an acceptable authentication method.

In another embodiment of the present invention, a payment terminal that communicates with a settlement device that performs settlement of a transaction and a billing terminal that performs billing in the transaction, and performs payment in the transaction, wherein the transaction identification number that identifies the transaction from the settlement device. A receiving unit for receiving, a storage unit for storing the transaction identification number received by the receiving unit, a conversion unit for converting the transaction identification number stored in the storage unit into a pattern code, and a display unit for displaying a pattern code It is characterized by having.

The storage unit stores a payment terminal identification number for identifying the payment terminal, and the conversion unit stores The payment terminal identification number stored in the storage unit may be converted into a pattern code, and the display unit may display the pattern code to notify the billing terminal of the payment terminal identification number. The receiving unit receives the transaction accounting information from the settlement apparatus, the conversion unit converts the payment terminal identification number and the transaction identification number stored in the storage unit into a pattern code, and the display unit displays the payment terminal identification number and the It may have a pattern code display section for displaying a pattern code for notifying the transaction identification number to the billing terminal, and a message display section for displaying transaction information.

The pattern code display unit may display the pattern code on condition that the user of the payment terminal has confirmed the transaction information displayed on the message display unit.

In another embodiment of the present invention, a billing terminal that communicates with a settlement device that performs settlement of a transaction and performs billing in a transaction with respect to a payment terminal that performs payment in the transaction; and a pattern code displayed by the payment terminal. A pattern code reading unit for reading the transaction ID, a processing unit for acquiring a transaction identification number for identifying the transaction identification from the pattern code, and a communication unit for transmitting the transaction identification number acquired by the processing unit to the settlement apparatus. .

The processing unit may acquire a payment terminal identification number for identifying the payment terminal from the pattern code, and the communication unit may transmit the payment terminal identification number and the transaction identification number to the settlement device. The communication unit transmits the purchase price in the transaction to the payment device, and the payment device performs a payment process for the transaction identified by the transaction identification number to a user of the payment terminal identified by the payment terminal identification number. When the payment is performed based on the purchase amount, a payment completion notification for notifying the completion of the payment processing may be received from the payment apparatus.

The communication unit may receive at least a part of the attribute information of the user of the payment terminal from the payment device. The system further includes a sales history database for storing sales histories in transactions, and the sales history database may store a product identification number for identifying a product to be sold in transactions and attribute information of a user of the payment terminal in association with each other. Yeah. The user's attribute information may include at least one of the user's gender and age. The communication unit may receive the authentication information of the user of the payment terminal from the payment device, and the processing unit may authenticate the user based on the authentication information received from the payment device. The user authentication information may be a photograph of the user's face.

In another embodiment of the present invention, there is provided a payment method in a payment system including a billing terminal for performing a billing in a transaction, a payment terminal for performing a payment in the transaction, and a payment device for performing a payment for the transaction, wherein the payment terminal includes: Notifying the billing terminal of the payment terminal identification number for identifying the payment terminal; transmitting the payment terminal identification number acquired from the payment terminal, and the purchase price of the transaction to the payment device; Assigns a transaction identification number for identifying a transaction in association with the payment terminal identification number received from the billing terminal, and the transaction device assigns the transaction identification number in association with the payment terminal identification number, and Transmitting the purchase price received from the billing terminal to the payment terminal identified by the payment terminal identification number, the payment terminal displaying the purchase price received from the payment device, When the final user confirms the purchase amount displayed on the payment terminal, the payment terminal notifies the payment terminal of the payment terminal identification number and the transaction identification number to the billing terminal. Transmitting the payment terminal identification number and the transaction identification number to the payment device, and the transaction device assigning the transaction identification number associated with the transaction identification number received from the billing terminal and the payment terminal identification number received from the billing terminal. And a step in which, when the verification is successful, the payment device performs a transaction settlement process between the billing terminal and the payment terminal identified by the payment terminal identification number based on the purchase amount. And characterized in that:

In another embodiment of the present invention, there is provided a settlement method in a settlement apparatus for communicating with a billing terminal for making a bill in a transaction and a payment terminal for making a payment in the transaction, and performing settlement of the transaction. Receiving the notified payment terminal identification number for identifying the payment terminal and the purchase price from the billing terminal, and allocating the transaction identification number for identifying the transaction in association with the payment terminal identification number received from the billing terminal. Transmitting the transaction identification number and the purchase price assigned to the payment terminal identification number to the payment terminal identified by the payment identification number; and Receiving the payment terminal identification number and the transaction identification number from the billing terminal, informing the billing terminal of the payment terminal, the transaction identification number received from the billing terminal, and the payment terminal identification received from the billing terminal. Matching the transaction identification number assigned to the number with the transaction number, and, if the matching is successful, the transaction between the billing terminal and the payment terminal identified by the payment terminal identification number based on the purchase amount. And performing a settlement process.

In another embodiment of the present invention, a settlement method in a settlement device for communicating with a billing terminal for making a bill in a transaction and a payment terminal for making a payment in Tori I, and identifying the transaction. Setting the transaction identification number, transmitting the transaction identification number to the payment terminal, the payment terminal notifies the transaction identification number to the billing terminal, and the billing terminal settles the same transaction identification number as the transaction identification number Performing a transaction settlement process between the billing terminal and the payment terminal when transmitted to the device. According to another embodiment of the present invention, there is provided a storage medium storing a computer program for communicating with a billing terminal for making a bill in a transaction and a payment terminal for making a payment in a bow, and for performing a transaction settlement. A first communication module connecting the computer to the billing terminal via the first communication network; a second communication module connecting the computer to the payment terminal via the second communication network; And a processing module that sets a transaction identification number for identifying a transaction with the payment terminal, and the billing terminal sends the same transaction identification number as the transaction identification number to the computer. When transmitted, the transaction is settled between the billing terminal and the payment terminal. BRIEF DESCRIPTION OF THE FIGURES

FIG. 1 is a configuration diagram of the electronic payment system according to the first embodiment.

FIG. 2 is a schematic diagram of the cashier terminal 10. FIG. 3 is a configuration diagram of the user terminal 20.

Fig. 4 shows a bar code displayed on the pattern code display section 354 of the user terminal 20. It is a figure explaining the example performed.

FIG. 5 is a diagram illustrating an example in which a cybercode is displayed on the barcode display section 354 of the user terminal 20.

FIG. 6 is a diagram illustrating an example in which a mobile phone is used as the user terminal 20.

FIG. 7 is a configuration diagram of the settlement server 30.

FIG. 8 is a diagram showing an example of the cashier terminal information 500.

FIG. 9 is a diagram illustrating an example of the user information 60 °.

FIG. 10 is a diagram showing an example of the attribute information file 602.

FIG. 11 is a diagram showing an example of the usage status file 604. As shown in FIG.

FIG. 12 is a diagram showing an example of the authentication data file 606.

Figure 13 is a diagram explaining the outline of “loop settlement”.

FIG. 14 is a flowchart of the settlement processing of the electronic settlement system according to the first embodiment.

FIG. 15 is a flowchart of the processing of the cashier terminal information inquiry 109.

FIG. 16 is a flowchart of the user information inquiry 110 processing.

FIG. 17 is a flowchart of the process of the visual authentication 1 14.

FIG. 18 is a flowchart of the accounting information confirmation 120 process.

FIG. 19 is a flowchart of the processing of the transaction identification number verification 128. FIG. 20 is a flowchart of the process 130 for checking the purchase amount and the available amount.

FIG. 21 is a diagram illustrating a screen example of the cashier side display unit 302 of the cashier terminal 10. FIG. 22 is a diagram illustrating a screen example of the display unit 365 of the user terminal 20. . FIG. 23 is a diagram illustrating an example of the sales history information file 150.

FIG. 24 is a view for explaining an example of the authentication method stored in the authentication method field of the cashier terminal information 500.

Figure 25 shows the authentication method stored in the authentication method field of the user information 600. It is a figure explaining the example of.

FIG. 26 is a diagram illustrating an authentication method agreed between the cashier terminal 10 and the user terminal 20.

FIG. 27 is a flowchart of the settlement process of the electronic settlement system according to the second embodiment.

FIG. 28 is a flowchart of the user information inquiry 210 process.

FIG. 29 is a flowchart of the user authentication 220 process.

FIG. 30 is a flowchart of the user authentication process 222.

FIG. 31 is a flowchart of the process of password authentication 2 222.

FIG. 32 is a configuration diagram of an electronic payment system according to the third embodiment.

FIG. 33 is a flowchart of a payment process of the electronic payment system according to the third embodiment.

FIG. 34 is a view for explaining an example of a display screen of the user computer 22.

FIG. 35 is a block diagram showing a hardware configuration of the general-purpose computer 600.

Legends of main symbols used in the drawings are shown below.

1 0 Cashier terminal

1 2 Virtual cashier terminal

1 4 Cash register server

1 8 Communication line

2 0 User terminal

2 2 User computer

2 4 Shopping server

2 6 Internet

2 8 Wireless communication transmission path

3 0 Payment server 3 8 Communication line

4 0 Carrier server

5 0 Cash Register Database

6 0 User database

7 0 User Account Database Best Mode for Carrying Out the Invention

Hereinafter, an example of an embodiment of the present invention will be described with reference to the drawings.

(First Embodiment) 'An electronic payment system according to a first embodiment of the present invention will be described. In the electronic payment system of the present embodiment, when a consumer purchases a product at a retail store and pays for the product, payment can be made electronically via a communication network. In the following, consumers are called users.

FIG. 1 is a configuration diagram of the electronic payment system of the present embodiment. The electronic settlement system according to the present embodiment includes a cashier terminal 10 as an example of a billing terminal, a user terminal 20 as an example of a payment terminal, a settlement server 30 as an example of a settlement device, and a carrier server 4. 0, a cashier database 50 as an example of a billing terminal database, a user database 60 as an example of a payment terminal database, and a .user account database 70. The communication line 18 is a communication line connecting the cashier terminal 10 and the settlement server 30 and may be either a telephone line or a dedicated line. The wireless communication transmission path 28 is a transmission path for wireless telephone communication connecting the user terminal 20 and the carrier server 40. The communication line 38 is a communication line connecting the carrier server 40 and the settlement server 30 and may be either a telephone line or a dedicated line. The cashier terminal 10 has a sales history database 15.

The cashier terminal 10 calculates the price of the product purchased by the user at the retail store, and bills the user for payment. FIG. 2 is a schematic diagram of the cashier terminal 10. The cashier terminal 10 includes a customer-side display unit 300, a cashier-side display unit 302, a cashier body 304, and a pass. It has a keyboard section 310 for inputting a code, and a pattern code reading section 304 for reading a pattern code such as a barcode or a cybercode which is a two-dimensional barcode. Although not shown, the cashier terminal 10 has a communication function of connecting to the settlement server 30 via a telephone line or a dedicated line.

The customer-side display unit 300 has a display screen such as a liquid crystal display or an LCD for displaying character information on the back side of the cashier terminal 10 and displays the total price of the product and notifies the user. The cashier-side display unit 302 displays the calculation process of the price of the product and the process of electronic payment. The keyboard section 306 is used when the user inputs a password. The pattern code reading section 308 reads a pattern code displayed on the display section 350 by the user terminal 20. An example of the user terminal 20 is a wireless communication means such as a pager or a mobile phone.

FIG. 3 is a configuration diagram of the user terminal 20. The user terminal 20 includes a display unit 355, a storage unit 356, a conversion unit 358, and a reception unit 360. The display section 355 has a message display section 350 for displaying a message, and a pattern code display section 35 for displaying a pattern code. The storage unit 356 stores a user ID for identifying a user, a transaction identification number for identifying a transaction, and the like. The conversion unit 358 converts a user ID, a transaction identification number, and the like into a pattern code. The receiving unit 360 receives information transmitted from the settlement server 30 via the wireless communication transmission path 28. The user ID is a telephone number of a pager or a mobile phone, or a user-specific identification number.

FIG. 4 is a diagram illustrating an example in which a bar code is displayed on the pattern code display section 354 of the user terminal 20. When the process start button 352 is pressed by the user, the conversion section 358 converts the user ID into a bar code, and the pattern code display section 354 displays the converted bar code. In the message display section 350, a message such as "Please read the code at the cashier." Is displayed at the same time, and the user of the user terminal 20 displays the displayed bar code on the cashier terminal 10 in charge. To the person. The person in charge of the cashier terminal 10 uses the pattern code reading section 308 to The bar code displayed on the pattern code display section 354 of the terminal 20 is read to obtain a user ID. The user may operate the pattern code reading unit 308 of the cashier terminal 10 to read the bar code displayed on the pattern code display unit 354 of the user terminal 20.

FIG. 5 is a diagram illustrating an example in which a cyber code is displayed on the par code display section 354 of the user terminal 20. When the processing start button 3 5 2 is pressed by the user, the conversion unit 35 8 converts the user ID to Saibako one de is a two-dimensional pattern code, the pattern code display unit ³ 5 ⁴ was converted Saibako Displays the display. A message such as “Please let the code read at the cashier.” Is also displayed on the message display section 350 at the same time. The user of the user terminal 20 sends the displayed server code to the person in charge of the cashier terminal 10. Present. The person in charge of the cashier terminal 10 reads the cybercode displayed on the pattern code display unit 354 of the user terminal 20 using the pattern code reading unit 308, and acquires the user ID. The user may operate the pattern code reading unit 308 of the cashier terminal 10 to read the cybercode displayed on the pattern code display unit 354 of the user terminal 20.

FIG. 6 is a diagram illustrating an example in which a mobile phone is used as the user terminal 20. The user terminal 20 has an antenna 400 for receiving information from the settlement server 30, a display section 402 for displaying a message and a pattern code, and a processing start button 404. The operation is the same as that of the user terminal 20 in FIG. The user terminal 20 is connected to the carrier server 40 via the wireless communication transmission path 28. The carrier server 40 is connected to the settlement server 30 via a communication line 38. Therefore, the user terminal 20 can perform data communication with the settlement server 30. The settlement server 30 performs settlement processing of a commodity transaction between the retail store and the user. The payment server 30 includes a cashier database 50 storing information on cashier terminals 10, a user database 60 storing information on user terminals 20, and a user's credit account. Alternatively, it can be connected to a user account database 70 that stores information on bank accounts and search and acquire information from each database. The payment server ₃₀ , the credit database 50, the user database 60, and the user account database 70 may be provided in a credit company or bank network. Only the user account database 70 is set up in the credit company or bank network, and the settlement server 30 is connected to the user account database 70 via a dedicated line. FIG. 7 is a configuration diagram of the settlement server 30. The payment server 30 includes a processing unit 80 for processing a payment, a storage unit 81 for storing processing results, time information, and the like, and a first communication unit 82 for processing data communication via the communication line 18. And a second communication unit 84 for processing data communication via the communication line 38 and the wireless communication transmission line 28, a cash register database 50, a user database 60, and a user account database 70, A database search unit 86 for searching database information.

FIG. 8 is a diagram showing an example of the cashier terminal information 500 stored in the cashier database 50. The cashier terminal information 500 stores a cashier registration number for identifying the cashier terminal 10, a retail store name, a store name, a cashier terminal number, and an authentication method designated by the retailer or cashier terminal 10. For example, the authentication method is specified to perform both visual authentication and password authentication.

FIG. 9 is a diagram showing an example of the user information 600 stored in the user database 600. The user information 600 contains the user terminal identification number of the user terminal 20, for example, the calling telephone number, the attribute information of the user, the usage status of the user's electronic payment, the credit card or bank card number, The settable amount of money, the authentication method designated by the user or the user terminal 20, and the authentication data registered by the user are stored. The attribute information of the user is stored in the attribute information file 602, the usage status of the user's electronic payment is stored in the usage status file 604, and the authentication data registered by the user is stored in the authentication data file 606. Is stored.

FIG. 10 is a diagram showing an example of the genus 1 "raw information file 602. User name and year Age, gender, address, occupation, user face photo data, etc. are stored. FIG. 11 is a diagram illustrating an example of the usage status file 604. Purchase date and time of electronic payment, purchase identification number, purchase price, and settlement date of credit card or bank card are stored as purchase history.

FIG. 12 is a diagram showing an example of the authentication data file 606. As authentication data, in addition to the PIN, information that only the user knows is registered. For example, your eldest son's birthday, your grandfather's name, your grandmother's name, your mother's maiden name, your hometown, the writer you like, your graduated elementary school, and so on. Randomly select the registered authentication data and ask the user for a question asking for the selected authentication data, for example, "What is your mother's maiden name?" be able to.

The outline of “loop settlement” of the electronic settlement system of the present invention will be described. "Loop settlement

Means that the cashier terminal 10, the user terminal 20, and the settlement server convey transaction-related information in a loop to perform the settlement processing of the transaction between the cashier terminal 10 and the user terminal 20. It is.

In an electronic payment system, transactions are settled between a plurality of cashier terminals 10 and a plurality of user terminals 20, so the settlement server 30 requests a specific transaction for the transaction. It is necessary to identify the cashier terminal 10 to perform and the user terminal 20 to pay for the transaction, and perform the settlement process for the transaction between both.

Figure 13 is a diagram explaining the outline of “loop settlement”. (1) In the user terminal 20, the pattern code display section 354 displays the user ID converted into the pattern code. (2) In the cashier terminal 10, the pattern code reader 308 reads the pattern code 'and acquires the user ID of the user terminal 20. (3) The cashier terminal 10 transmits the purchase information and the user ID acquired from the user terminal 20 to the settlement server 30. (4) The settlement server 30 assigns a transaction identification number for identifying the transaction to the user ID and issues it. (5) The settlement server 30 sends the issued transaction identification number and accounting information to the user terminal 20. (6) Connect to user terminal 20 The message display unit 350 displays the transaction information, and the pattern code display unit 354 displays the user ID and the pattern code obtained by converting the transaction identification number received from the settlement server 30. (7) In the cashier terminal 10, the pattern code reading section 308 reads the pattern code displayed by the pattern code display section 354, and acquires the transaction identification information and the user ID issued by the settlement server 30. I do. (8) The cashier terminal 10 connects to the payment server 3◦ and transmits the transaction identification number and the user ID acquired from the user terminal 20 to the payment server 30. (9) The settlement server 30 checks the transaction identification number received from the cashier terminal 10 with the transaction identification number stored in association with the user ID, and confirms whether they match. (10) When it is confirmed that the transaction identification numbers match, the payment server 30 performs the payment process. (11) The settlement server 30 transmits the settlement result to the user terminal 20.

In the "loop settlement", after the user confirms the accounting information, the cashier terminal 10 obtains the transaction identification number issued by the settlement server 30 in association with the user ID from the user terminal 20, and sets up the settlement server. If you do not send it to 30, payment will not be made. Therefore, fraudulent payment at the cashier terminal 10 can be prevented. If a cashier at a retail store sends an arbitrary transaction identification number together with a user ID to the settlement server 30 in an attempt to illegally perform a settlement process, the transaction server 30 checks the transaction identification number to perform the transaction. The discrepancy between the transaction identification numbers is confirmed, and the settlement process is stopped. In addition, the user terminal 20 used in the “loop settlement” need not always be connected to the settlement server 30. The user terminal 20 receives information from the settlement server 30 but does not need to transmit information to the settlement server 30. Therefore, “loop settlement” can be performed by a portable terminal having only one-way communication means such as a pager.

Hereinafter, the payment processing in the electronic payment system of the present embodiment will be described with reference to FIGS. 14 to 22. FIG. 14 is a flowchart of the settlement processing of the electronic settlement system of the present embodiment. The payment process of the cashier terminal 10, the user terminal 20, and the payment server 30 is shown in a flow chart along a time line. The cashier terminal 10, the user terminal The exchange of information between 20 and the settlement server 30 is indicated by a horizontal arrow. FIGS. 15 to 20 are flowcharts showing details of the processing in FIG. FIG. 21 is a diagram illustrating an example of a screen of the cashier-side display unit 302 of the cashier terminal 10. FIG. 22 is a view for explaining an example of a screen of the display section 355 of the user terminal 20.

Hereinafter, unless otherwise specified, the exchange of information between the cashier terminal 10 and the settlement server 30 is performed via the communication line 18 and the information between the user terminal 20 and the settlement server 30. The exchange is performed via a wireless communication transmission line 28 and a communication line 38. The method of accessing the settlement server 30 from the cashier terminal 10 may be either a method of accessing by dialing up from a telephone line or a method of accessing a server gate via a dedicated line. The access method from the settlement server 30 to the user terminal 20 is performed by wireless telephone communication when the user terminal 20 is a pager or a mobile phone.

The settlement process will be described with reference to FIG. At a retail store, a user purchases a product and pays for the product at a cash register. The cashier receives a request for electronic payment from the user, selects an electronic payment menu from the cashier terminal 10, and starts loop payment (100). In the cashier terminal 10, the cashier-side display unit 302 displays the screen shown in FIG. In the user terminal 20, the processing start button 352 is pressed by the user, and the loop settlement is started (102). In the user terminal 20, the conversion section 358 converts the user ID into a pattern code, and the display section 355 displays the screen of FIG. 22 (a) (104). In the cashier terminal 10, the pattern code reading section 308 reads the pattern code displayed on the pattern code display section 354 (106). The cashier terminal 10 accesses the settlement server 30 and transmits the user ID and the cashier registration number read from the user terminal 20 to the settlement server 30 (108).

The settlement server 30 starts the connection with the cashier terminal 10 in response to the access from the cashier terminal 10 and inquires cashier terminal information based on the cashier registration number transmitted from the cashier terminal 10. (109). The processing of the cashier terminal information inquiry 109 will be described with reference to FIG. The settlement server 30 accesses the cashier database 50 (1090), and extracts cashier terminal information of the cashier terminal that matches the cashier registration number (1092). In the cashier terminal information, the retail store name, store name, authentication method, and the like are registered. The authentication methods include a visual authentication method and a password authentication method, and the cashier terminal information sets which authentication method to use. The settlement server 30 decides to use the authentication method set in the cashier terminal information (1 094). In the following, description will be made assuming that the adoption of the visual authentication method has been determined as the authentication method.

Returning to FIG. 14, the operation after the processing of the cashier terminal information inquiry 109 will be described. The settlement server 30 performs the processing of the user information inquiry 110.

The process of the user information inquiry 110 will be described with reference to FIG. The payment server 30 accesses the user database 60 based on the user ID transmitted from the cashier terminal 10 (1100), and checks whether the user terminal 20 is registered as a user. (1 102). If the user has not been registered, the message “Not registered” is sent to the user terminal 20 (1 104). The user terminal 20 displays a screen shown in FIG. 22 (b) indicating that the user has not been registered. The settlement server 30 stops the settlement between the cashier terminal 10 and the user terminal 20. (1 106 If the user registration is confirmed, the user information is extracted from the user database 60 (1 108) The user information contains information on the user's usage status, and based on that information, checks whether there is any problem with the user's usage status of credit card or bank card (1 1). 1 0) If there is a problem with the usage status, send the message “unavailable” to the user terminal 20 (1 1 1 2). The settlement server 30 stops the settlement between the cashier terminal 10 and the user terminal 20 (1 1 1 4).

If there is no problem with the user's usage status, the settlement server 30 proceeds with the next process. Figure Return to 14 and explain. The payment server 30 performs authentication based on the authentication method determined in the cashier terminal information inquiry 109. Here, the authentication processing will be described in the case where it is determined in the cashier terminal information inquiry 109 that the visual authentication is adopted as the authentication method. The settlement server 30 acquires the image of the face photograph of the user from the user database 60 in the user information inquiry 110, and distributes the image data of the face photograph to the cashier terminal 10 (1 1 2). The cashier terminal 10 receives the face image data of the user from the settlement server 30 and performs visual authentication (114). .

'The process of the visual authentication 114 will be described with reference to FIG. The cashier terminal 10 displays the face photograph image of the user (1140). FIG. 21B is a display example of the screen of the cashier terminal 10. The cashier checks the user and the face photo to see if he / she is himself (1 142). If it is doubtful or the purchase is expensive, the cashier selects the DOUBT button on the screen shown in FIG. 21 (b) and sends a DO UBT signal to the settlement server 30 (1144). If the cashier selects the OK button in FIG. 21 (b), the visual authentication processing 1 14 ends. When receiving the DOUBT signal from the cashier terminal 10, the payment server 30 accesses the user database 60 based on the user ID to perform password authentication (1146), and from the user database 60, the password data required for password authentication. Is extracted (1148). The settlement server 30 initializes a variable n for storing the number of password requests to 0 (1 150). The settlement server 30 increments n by 1 (11152), and sends a password request message to the user terminal 20 and the cashier terminal 10 (111, 1158). The user terminal 20 displays the screen shown in FIG. 22 (d) (1156), and the cashier terminal 10 displays the screen shown in FIG. 21 (c) (1160). The user inputs a password using the keyboard section 310 of the cashier terminal 10 (1 16 2). The cashier terminal 10 transmits the password input by the user to the settlement server 30 (1164). The settlement server 30 receives the password transmitted from the cashier terminal 10 and checks whether the password is correct (1 166). If there is an error in the password transmitted from the cashier terminal 10, check whether the number of password requests n is greater than 2 (1 1 68). Otherwise, return to the processing of 1 152 and repeat the password request. . If the password request count n is greater than 2, an authentication-inhibited message is transmitted to the user terminal 20 (1 170). The user terminal 20 displays the screen shown in FIG. 22 (f) notifying that the service cannot be used because authentication was not possible (1172). In addition, an authentication failure message is transmitted to the cashier terminal 10 (1174). The cashier terminal 10 displays the screen shown in FIG. 21 (e) indicating that the password authentication has failed (1 176). The settlement server 30 sends the authentication-inhibited message to the user terminal 20 and the cashier terminal 10, and then cancels the settlement between the cashier terminal 10 and the user terminal 20 (1178).

If the settlement server 30 confirms that the password is correct in the password verification 1 1 66 at the password authentication, the password authentication OK signal is transmitted to the user terminal 20 and the cashier terminal 10 (1 180, 1 1 84 ). The user terminal 20 displays the screen of FIG. 22 (e) indicating that the password authentication has been successful (1182). The cashier terminal 10 displays the screen shown in FIG. 21D indicating that the password authentication has succeeded (1 186), and terminates the visual authentication process 132.

Returning to FIG. After the visual authentication processing 114 has been completed, the cashier terminal 10 transmits purchase price information including the total purchase price to the settlement server 30 (116). Upon receiving the purchase price information from the cashier terminal 10, the settlement server 30 assigns a transaction ID number to the user ID and issues it (1 17).

The transaction identification number is, for example, a sequence of numbers generated by random numbers. However, at the same time, when multiple payment terminals 10 or user terminals 20 access the payment server 30 using the same transaction identification number, the payment server 30 can associate the user ID with the transaction identification number. Disappears. Therefore, a transaction identification number is assigned so that the same transaction identification number is not used more than once in a certain time. However, after a certain period of time, the same transaction identification number may be used again as the transaction identification number. By doing so, the transaction identification number can be increased without increasing the transaction identification number. It is possible to maintain uniqueness. Further, the settlement server 30 has a function of restricting the assignment of the transaction identification number so as not to issue the transaction identification number in the “waiting for access” state, which will be described later. Collision can be prevented.

If there are many branches of a retail store, a transaction identification number with a small number of digits may cause a collision with a transaction identification number that generates a random number. In this case, the collision of the transaction identification numbers can be avoided by devising the range of random numbers so that the transaction identification numbers of the branches do not conflict with each other.

Thus, a transaction identification number is a number that identifies a transaction. It is a number with a small number of digits that can temporarily identify a transaction, instead of a number with a large number of digits, such as Transaction ID, which is uniquely defined for all transactions.

Returning to FIG. The settlement server 30 sends the issued transaction identification number and accounting information to the user terminal 20 (118). In this case, the settlement server ^3. 0 is the self terminal 1 0 becomes the "access wait" state to wait for the coming accessed using this transaction identification number. The user terminal 20 receives the transaction identification number and the accounting information, and performs the process of accounting information confirmation 120.

The processing of the accounting information confirmation 120 will be described with reference to FIG. The message display section 350 displays the transaction information received from the settlement server 30 (122). The user checks the displayed accounting information (1204) and, if the accounting information is incorrect), cancels the settlement (1206). In this case, the user does not press the processing start button 352, and the pattern code display section 354 does not display the pattern code. If the user confirms that the accounting information is correct, the user presses the processing start button 352, and the pattern code display section 354 displays the pattern code.

Returning to FIG. When the user confirms the transaction information and presses the processing start button 352, the user terminal 20 converts the conversion unit 358 user ID and the transaction identification number received from the settlement server 30 into a pattern code. After conversion, the screen shown in Fig. 22 (i) is displayed. The pattern code display section 3 5 4 displays the user ID and And the pattern code converted from the transaction identification number is displayed (122).

At the cashier terminal 10, the screen shown in FIG. 22 (f) is displayed, and the pattern code reading section 308 reads the pattern code displayed on the pattern code display section 354 (1 2 4) . The cashier terminal 10 accesses the payment server 30 and transmits the user ID and the transaction identification number read from the user terminal 20 to the payment server 30 (126). When receiving the user ID and the transaction identification number transmitted by the cashier terminal 10, the settlement server 30 performs the transaction identification number collation 128.

The settlement server 30 is in an “access waiting” state of waiting for the cashier terminal 10 to access and transmit the transaction identification number. In the “waiting for access” state, the settlement server 30 checks the cashier terminal 10 and the user terminal 20 if there is a cashier terminal 10 that accesses the transaction ID number assigned to the user ID using the same transaction ID number. Settlement processing is performed between.

In the “waiting for access” state of the settlement server 30, a timeout is set, and waiting for access from the cashier terminal 10 is limited to, for example, three minutes. If there is no access from the registrar terminal 10 even after the time limit expires, the settlement server 30 stops settlement and initializes. This time-out function is set to avoid trapping when the communication state between the settlement server 30 and the user terminal 20 is poor and information is not normally transmitted from the settlement server 30 to the user terminal 20. .

In the settlement server 30, the storage unit 81 stores a message when the first communication unit 82 receives a user ID from the cashier terminal 10 and the processing unit 80 assigns a transaction ID number to the user ID and issues it. Stores the first time of. The second communication unit 84 transmits the transaction identification number to the user terminal 20. Thereafter, the second time when the user ID and the transaction identification number are received from the cashier terminal 10 is compared with the first time, and if the time does not exceed the time set in the time-out setting, the settlement processing is performed.

With reference to FIG. 19, the process of transaction identification number collation 1 28 will be described. In FIG. 19, the settlement server 30 is in the “waiting for access” state, checks whether there is an access from the cashier terminal 10, and checks whether the transaction identification number has been transmitted from the cashier terminal 10. (1280) If there is no access, it is checked whether the set time of the timeout has elapsed (1282), and if it has elapsed, the transaction identification number transmitted from the cashier terminal 10 is checked for the transaction assigned. Cancel payment.

When the cashier terminal 10 transmits the transaction identification number, the settlement server 30 collates the transaction identification number assigned to the user ID with the transaction identification number transmitted from the cashier terminal 10 (1286), If they do not match, a transaction identification number collation error message is transmitted to the cashier terminal 10 and the user terminal 20 (1288). The user terminal 20 displays the screen shown in FIG. 22 (g) indicating the transaction identification number collation error.

Returning to FIG. After the transaction identification number matching process 1 28 is completed, the settlement server 30 performs a matching process 130 between the purchase amount and the available amount.

With reference to FIG. 20, the process 130 for checking the purchase amount and the available amount will be described. The settlement server 30 accesses the user database 60 based on the user ID (1300), extracts the available amount of the user's credit card or bank card or the like (1302), and uses the available amount and the cashier terminal 1 0 is compared with the transmitted purchase amount (1304), and if the purchase amount does not exceed the available amount, the collation ends. If the purchase amount exceeds the available amount, the user terminal 20 sends a message “Over the usage limit” (1 306), and executes the settlement process between the cashier terminal 10 and the user terminal 20. Cancel (1308). At this time, a screen shown in FIG. 22H is displayed on the user terminal 20, indicating that the purchase price exceeds the available price.

Returning to FIG. 14, the operation after the processing of the comparison 130 between the purchase amount and the available amount will be described. The settlement server 30 accesses the user account database 70 and performs settlement processing for recording purchase information (1 32). When the settlement is completed, the settlement server 30 sends a settlement completion notice to the cashier terminal 10 (134), and sends a receipt to the user terminal 20 (136). The cashier terminal 10 displays the screen shown in FIG. 21 (g) indicating that the payment has been completed (138). The user terminal 20 displays the screen of FIG. 22 (j) indicating that the settlement is completed (140). In the above description of the payment processing, when the payment server 30 sends the payment completion notification 1 46 to the cashier terminal 10, the payment server 30 sets the user terminal that paid for the transaction.

Some attribute information about the 20 users may be extracted from the user database 60 and transmitted to the registration terminal 10. The attribute information of the user sent to the cashier terminal 10 is, for example, information on the attribute of the user such as gender and age, and preferably does not include personal information such as a name, an address and a credit card number. Checkout terminal 10

Alternatively, the attribute information of the user who made the payment for the transaction may be acquired, and the transaction information may be associated with the attribute information of the user and accumulated in the sales history database 15 as a sales history. FIG. 23 is a diagram showing an example of a sales history information file stored in the sales history database 15. The date and time of sale and product identification number are stored in association with user attributes such as gender and age. As a result, the cashier terminal 10 can extract the purchase behavior of the user, such as the age group of the user who purchases a specific product, from the sales history information accumulated in the sales history database 15, and can perform marketing of the product. It can be used for

In addition, the payment server 30 receives the total purchase price of the merchandise from the cashier terminal 10, but receives detailed information on the purchased merchandise such as the name and unit price of the purchased merchandise, and stores the information in the user database 60. It may be recorded as the purchase history of the user.

The functions and operations of the payment processing of the electronic payment system according to the present embodiment are as described above. If a communication failure such as a communication interruption occurs in the above settlement exchange, information and temporary data for all processes are initialized and the processing is terminated. In the above-mentioned payment processing, payment server 3◦ performs cashier terminal information inquiry 109, user information inquiry 110, transaction identification number issue 117, transaction identification number verification 128, purchase amount available The amount matching 1 3 0, payment processing 1 3 2 processing, etc.

The processing unit 80 of 30 and the database search unit 86 carry out.

In addition, the payment server 30 is a data communication performed with the cashier terminal 10, a user ID transmission 108 from the cashier terminal 10, a user face photograph image transmission to the cashier terminal 10 1 12, and a cashier terminal 10. 1 1 6 and payment completion notification 1 3 4 The communication is performed by the first communication unit 82 of the payment server 30.

In addition, the processing of the transaction information and transaction identification number transmission 1 18 to the user terminal 20 and the receipt notification 1 36 to the user terminal 20 which is the data communication performed by the settlement server 30 with the user terminal 20 is as follows. The second communication unit 84 of the settlement server 30 performs the processing.

In the electronic payment system according to the present embodiment, the cashier at the retail store can authenticate the user based on the photograph data of the user, and in the case of suspicion or expensive payment, can further request the user to input a password. Therefore, the accuracy of authentication can be increased according to the situation. In addition, the user can easily and safely make a payment using a wireless communication device such as a pager or a portable terminal.

In the case of visual authentication, the settlement server 30 extracts the face photograph data of the user from the user database 60 and sends it to the cashier terminal 10 so that the cashier can authenticate whether the user is himself. In the case of password authentication, the payment server 30 extracts password information from the user database 60, sends a password request command to the user terminal 20 and prompts the user to enter a password from the cashier terminal 10, and the payment server 3 Send to 0. The settlement server 30 checks the transmitted password against the password registered in the user database 60, and transmits the success or failure of the authentication to the cashier terminal 10.

If visual authentication is not sufficient, for example, the authentication accuracy can be improved by performing multiple authentications, such as combining other authentication methods such as password authentication.

In the above description, the payment server 30 checks the usage status of the electronic payment by the user by extracting the usage status file 604 stored in the user database 60. However, the number of times of electronic payment is stored, displayed on a bar code together with the user ID, read by the cashier terminal 10, transmitted to the payment server 30, and the payment server 30 is transmitted from the user terminal 20. The number of times of use may be compared with the settlement history stored in the use status file 604.

When the settlement is started, the user terminal 20 sets an arbitrary code number for loop confirmation. Issue may be issued. The user terminal 20 displays the code number issued by itself in the form of a par code, causes the cashier terminal 10 to read the code number, transmits the code number to the payment server 30, receives the code number from the payment server 30, and By confirming whether or not 0 is the same as the issued code number, it can be determined whether or not the settlement processing is normally performed.

As described above, according to the present embodiment, the settlement server 30 transmits the transaction identification number issued in association with the user ID to the user terminal 20. The user terminal 20 displays the transaction identification number as a bar code and causes the cashier terminal 10 to read it. The settlement server 30 compares the issued transaction identification number with the transaction identification number received from the cashier terminal 10 and performs the settlement process. If the cashier terminal 10 does not acquire the transaction identification number from the user terminal 20, the cashier terminal 10 will not perform the settlement processing. Therefore, since the cashier terminal 10 cannot proceed with the settlement process without obtaining the approval of the user terminal 20, unauthorized transaction can be prevented.

(Second embodiment)

An electronic payment system according to a second embodiment of the present invention will be described. In the first embodiment, the settlement server 30 searches the cashier terminal information stored in the cashier database 50, extracts the authentication method specified by the retail store or cashier terminal 10, and extracts the extracted authentication method. Authenticated the user based on the The second embodiment is characterized in that the user or the user terminal 20 can specify the authentication method, and determines the method of authenticating the user based on the user-specified authentication method and the cashier terminal-specified authentication method. This is different from the first embodiment. A description of the same configuration and operation as in the first embodiment will be omitted. FIG. 24 is a view for explaining an example of the authentication method stored in the authentication method field of the cashier terminal information 500. At least one of visual authentication and password authentication such as no authentication, visual authentication or password authentication, visual authentication only, password authentication only, visual authentication and password authentication, etc. In addition to the type that specifies the authentication method used, if the purchase price is, for example, 10,000 yen or more, visual authentication and password authentication are performed; otherwise, visual authentication is performed. Authentication method There are types that change the expression.

FIG. 25 is a diagram illustrating an example of an authentication method stored in the authentication method field of the user information 600. As the authentication method specified by the user or the user terminal 20, type U1 is without authentication specification. In this case, the authentication method specified by the cashier terminal 10 is used. Type U2 is for password authentication, and is used when the user always wants to perform password authentication. Type U3 is a visual authentication rejection, and is used when the user does not want the cashier to perform authentication using face photograph data. Type U4 is a type that changes the authentication method based on the purchase price, such as always performing password authentication if the purchase price is 5,000 yen or more, otherwise not specifying the authentication. .

FIG. 26 is a diagram illustrating an authentication method agreed between the cashier terminal 10 and the user terminal 20 based on the authentication method specified by the cashier terminal 10 and the authentication method specified by the user terminal 20. It is. If the user does not specify the authentication method, the authentication method specified by the cashier terminal 10 is actually performed. If the user does not specify the authentication method and the cashier terminal 10 specifies no authentication, no authentication is performed. This is used when proceeding with electronic payment without authentication, such as in the case of small payments. If the user does not specify the authentication or authentication method and the cashier terminal 10 specifies visual authentication or password authentication, at least one of visual authentication and password authentication is performed. For example, a cashier terminal 10 person

Either visual authentication or password authentication may be selected, or password authentication may be performed when it is difficult to authenticate the user by visual authentication. If the user does not specify an authentication method and the cashier terminal 10 specifies only visual authentication, only visual authentication is actually performed. Even if the user cannot be authenticated by visual authentication, password authentication is not performed. If the user does not specify the authentication method and the cashier terminal 10 specifies only password authentication, only the password authentication is actually performed, and no visual authentication or certification is performed. If the user does not specify an authentication method and the cashier terminal 10 specifies visual authentication and password authentication, both visual authentication and password authentication are actually performed. Was For example, even if the user can be authenticated by visual authentication, password authentication is further performed to increase the accuracy of the authentication.

Next, a case where the user specifies addition of password authentication will be described. By setting the addition of password authentication, for example, even if a mobile phone or a mobile terminal, which is an example of the user terminal 20, is dropped, abandoned, or stolen, another person steals the user terminal 20, It is possible to prevent unauthorized electronic payment. If the user specifies the addition of password authentication and the cashier terminal 10 specifies visual authentication or password authentication, both visual authentication and password authentication are actually performed. Since visual authentication alone does not match the authentication accuracy specified by the user, even if the user can be authenticated by visual authentication, password authentication is further executed to increase the authentication accuracy. The user specifies the addition of password authentication and the cashier terminal

If 10 specifies only visual authentication, both visual authentication and password authentication are actually performed. The cashier terminal 10 specified only visual authentication, but the user requires not only visual authentication but also password authentication to perform highly accurate authentication, so password authentication is combined with visual authentication. And executed. As described above, when the user requests an authentication accuracy higher than the authentication accuracy requested by the cashier terminal 10, the authentication method with the higher authentication accuracy is actually performed. If the user specifies the addition of password authentication and the cashier terminal 10 specifies only password authentication, the authentication accuracy required between the cashier terminal 10 and the user matches, so only password authentication is actually performed. No visual authentication is performed. If the user specifies the addition of password authentication and the cashier terminal 10 specifies visual authentication and password authentication, the authentication accuracy required between the cashier terminal 10 and the user matches, and the visual authentication and password Both testimonies are actually made.

Next, a case where the user has designated rejection of visual authentication will be described. By setting the visual authentication rejection, the user can display the face photograph data on the cashier terminal 10 and reject the authentication. When the user refuses visual authentication and the cashier terminal 10 specifies visual authentication or password authentication However, since the user does not want visual authentication, only password authentication is actually performed. If the user refuses visual authentication and the cashier terminal 10 specifies only visual authentication, the authentication method requested between the cashier terminal 10 and the user does not match, so the authentication is rejected and the user is not authenticated. . Therefore, electronic payment is not performed. If the user refuses the visual authentication and the cashier terminal 10 specifies only the password authentication, the password authentication is actually performed and the visual authentication is not performed. If the user refuses visual authentication and the cashier terminal 10 specifies visual authentication and password authentication, the user rejects the visual authentication requested by the cashier terminal 10, so authentication is performed between the cashier terminal 10 and the user. Authentication is rejected, the user is not authenticated, and no electronic payment is made because no method agreement is formed.

FIG. 27 is a flowchart of a payment process of the electronic payment system of the present embodiment. FIGS. 28 to 31 are flowcharts showing details of the processing in FIG. The settlement process will be described with reference to FIG. The processing other than the processing of the user information inquiry 210 and the processing of the user authentication 220 is the same as the corresponding processing of the first embodiment shown in FIG. .

The process of the user information inquiry 210 will be described with reference to FIG. The settlement server 30 accesses the user database 60 based on the user ID (2100), and searches for user information associated with the user ID. It is checked whether or not the user information associated with the user ID exists in the user database 60, and it is checked whether or not the user terminal 20 has been registered as a user (2102). If the user has not been registered, a message "Not registered" is sent to the user terminal 20 (2104). A screen indicating that the user has not been registered is displayed on the user terminal 20, and the settlement server 30 stops the settlement between the cashier terminal 10 and the user terminal 20 (2106).

When the user registration is confirmed, the user information 60010 is extracted from the user database 60 (2108). As shown in FIG. 9, the user information 600 includes the attribute information of the user, the usage status of the user's electronic payment, and the credit card or banking power. The authentication number specified by the user or the user terminal 20 is stored. The payment server 30 extracts the authentication method specified by the user or the user terminal 20 (2109). As shown in Figure 25, the contents set by the user or the user terminal 20 as the authentication method require a high authentication accuracy, such as password authentication, or a specific authentication, such as visual authentication rejection. For example, it rejects the method or changes the authentication method depending on the payment amount. Next, based on the information on the user's electronic payment usage stored in the usage status file 630, it is checked whether there is any problem with the user's usage status such as credit card or banking card ( 2 1 1 0). If there is a problem with the usage status, a message “unavailable” is sent to the user terminal 20 (2 1 1 2). A screen indicating that the terminal cannot be used is displayed on the user terminal 20, and the settlement server 3◦ stops the settlement between the cashier terminal 10 and the user terminal 20 (2114). If there is no problem with the user's usage status, the settlement server 30 proceeds with the next process.

The process of user authentication 220 will be described with reference to FIG. The settlement server 30 determines an authentication method to be actually performed based on the authentication method specified by the cashier terminal 10 and the authentication method specified by the user terminal 20 (2200). As shown in an example in FIG. 26, the authentication methods specified by the cashier terminal 10 and the user terminal 20 are adjusted, and the authentication method to be actually performed is determined. If there is no authentication method conforming to the authentication method specified by each cashier terminal 10 and user terminal 20 (2 204), the settlement server 30 sends a message indicating authentication non-conformity to the user terminal 20, The settlement is canceled. If there is a suitable authentication method, the process proceeds to step 206 to perform user authentication based on the determined authentication method.

As an example, in cashier terminal information inquiry 109, visual authentication or password authentication is extracted as the authentication method specified by cashier terminal 10, and in user information inquiry 210, password is used as the authentication method specified by user terminal 20. Explain the case where additional authentication is extracted. In this case, the user is required to increase the authentication accuracy by adding a password and a certificate, so that the cashier can agree with the user. The authentication method is visual authentication and password authentication. That is, password authentication is performed after visual authentication is performed, and the authentication accuracy is secured. FIG. 30 is a flowchart of a user authentication process 2206 in a case where visual authentication is performed and password authentication is additionally performed. The settlement server 30 extracts the face photograph data of the user from the user database 60 (2208). The settlement server 30 distributes the image data of the face photograph to the cashier terminal 10 (2110). The cashier terminal 10 displays the face photograph image of the user received from the settlement server 30 (2212). The cashier compares the user with the photograph of the face and confirms whether or not the user is himself (2214). If it is doubtful, the cashier terminal 10 displays on the screen that authentication is not possible according to the instruction of the cashier (2216). The cashier terminal 10 sends an unauthenticated message to the settlement server 30 (2218). The settlement server 30 sends an unauthenticated message to the user terminal 20 (2224). The user terminal 20 displays on the screen that authentication is not possible (2226). If the identity of the user is verified by the photograph of the face, the cashier terminal 10 transmits a signal indicating that the visual authentication has been successful to the settlement server 30 according to the instruction of the cashier (2220). At this time, the cashier terminal 10 displays a screen indicating that password authentication is being performed. The settlement server 30 receives a signal indicating the success of visual authentication from the cashier terminal 10 and performs password authentication (2222). FIG. 31 is a flowchart of the password authentication 2222 process. The password authentication processing of processing 1146 and subsequent steps is the same as the processing of the same reference numeral in the first embodiment shown in FIG.

Another example of user authentication 220 based on multi-authentication will be described. If the cashier terminal 10 specifies visual authentication or password authentication and the user terminal 20 specifies rejection of visual authentication, the only authentication method that is actually performed is password authentication. In this case, the settlement server 30 notifies the cashier terminal 10 that the user has refused the visual authentication and the password authentication will be performed instead. The cashier terminal 10 displays on the screen that password authentication is to be performed instead of visual authentication by the user. Hereinafter, the process of password authentication 2222 is the same as in Fig. 31. Is performed.

Another example of user authentication 220 based on multi-authentication will be further described. This is the case where the cashier terminal 10 or the user terminal 20 specifies to change the authentication method based on the purchase price. As an example, consider a case where an authentication method in which visual authentication and password authentication are performed when the purchase amount is equal to or more than the allowable amount, and where only the visual authentication is specified when the purchase amount is equal to or less than the allowable amount. If both the cashier terminal 10 and the user terminal 20 specify that the authentication method should be changed depending on whether the purchase amount exceeds the allowable amount, either the cashier terminal 10 or the user terminal 20 specifies the allowable amount. Alternatively, the authentication method may be switched using the smaller amount as the allowable amount. The settlement server 30 determines whether or not the user's purchase amount exceeds the allowable amount. If the purchase amount exceeds the allowable amount, the settlement server 30 performs the same user authentication process 2206 as in FIG. 30. If the permissible amount is not exceeded, the ability to perform only visual authentication \ If visual authentication is successful, pass-through authentication is performed as in the process of visual authentication 114 in the first embodiment shown in Fig. 17 If the user does not confirm the identity of the user by visual authentication, password authentication is further performed.

In the electronic payment system of the present embodiment, both the cashier terminal 10 and the user terminal 20 specify an authentication method, determine an authentication method that can be agreed between the retailer or the cashier, and the user, The user can be authenticated. Therefore, it is possible to adjust the authentication method and authentication accuracy required by the user, and the authentication method and authentication accuracy required by cashiers and retailers. Also, the authentication method can be changed depending on the purchase price.

(Third embodiment)

An electronic payment system according to a third embodiment of the present invention will be described. In the electronic payment system of the present embodiment, a user connects to the Internet using a computer with a built-in CCD camera, accesses an online shopping server published on the Internet, purchases a product, and makes a payment. It can be carried out.

FIG. 32 is a configuration diagram of the electronic payment system according to the present embodiment. The electronic payment system according to the present embodiment includes a cashier server 14 and a virtual cashier terminal as an example of a billing terminal. 1, a user terminal 20 as an example of a payment terminal, a settlement server 30 as an example of a payment device, a carrier server 40, a cash register database 50 as an example of a billing terminal database, and a payment terminal database It has a user database 60 as an example, a user account database 70, a shopping server 24, and a user computer 22.

The shopping server 24 is an online shopping server published on the Internet 26. The user computer 22 is a computer of a user connected to the Internet 26 and can access the shopping server 24 to perform online shopping.

The cashier server 14 is a server system that acts as a proxy for sales in mail-order sales. The cashier server 14 constitutes a virtual cashier terminal 12 within the server, and performs billing for transactions with users. The settlement server 30 performs a settlement process for merchandise transactions between the mail-order seller and the user. The settlement server 30 performs data communication by connecting to the cashier terminal 10 and the user terminal 20 via the communication network.

The virtual cashier terminal 12 in the cashier server 14 connects to the settlement server 30 via the communication line 18 to perform data communication. The communication line 18 may be a telephone line or a dedicated line.

The user terminal 20 connects to the carrier server 40 via the wireless communication transmission line 28. The carrier server 40 is connected to the settlement server 30 via a communication line 38. The other components denoted by the same reference numerals as those in FIG. 1 have the same operation and configuration as those in the first embodiment, and thus description thereof will be omitted.

Hereinafter, with reference to FIG. 33, a process in which a user performs electronic payment using a user terminal in the electronic payment system of the present embodiment will be described. FIG. 33 is a flowchart of a payment process of the electronic payment system according to the present embodiment. FIG. 34 is an example of a display screen of the user computer 22.

The user connects to the Internet 26 using the user computer 22, accesses the shopping server 24 connected to the Internet 26, and goes online. Perform shocking. In online shopping, products are selected while looking at the shopping web page on the shopping server 24. When the user has finished selecting a product, a Web page showing the content of the purchased product and the total price is displayed on the display screen of the user computer 22 as shown in FIG. 34 (a), and the user makes a loop settlement. The loop settlement is started by selecting the button to instruct (700). The user computer 22 accesses the cashier server 14, and the purchase price information including the total purchase price is transmitted to the cashier server 14 (702). The cashier server 14 activates the virtual cashier terminal (704). The virtual cashier terminal 12 is a device or a process serving as a cashier terminal, and may be a terminal device provided in the cashier server, or may be a program activated in the cashier server. Creates the link information (706), and distributes the link information to the user combination 22 (708). The screen shown in FIG. 34 (b) is displayed on the screen of the user computer 22 by the coordination process with the register server 14. For the coordination process between the user computer 22 and the cashier server 14, CGI (Common on Gate Interface) can be used. The screen shown in FIG. 34 (b) has a “Shopping Details & Explanation” button and a “Loop Checkout” button.

By pressing the "Shopping Details &Description" button, the purchase details and purchase price are displayed, and the purchase details and price can be confirmed. The “loop cashier” button is accompanied by “link information” to the virtual cashier terminal 12 in the cashier server 14. Therefore, when the user presses the "loop cash register" button, the user computer 22 can connect to a specific virtual cash register terminal 12 in the cash register server 14 (710). When the user presses the “loop register” button, the user computer 22 connects to the virtual cashier terminal 12 and transmits a link information confirmation signal to the virtual cashier terminal 12 (7 12). When receiving the link information confirmation signal from the user computer 22, the virtual cashier terminal 12 transmits a pattern code request signal to the user computer 22 (Step 7 14). The user computer 22 requests a pattern code from the virtual cashier terminal 12. When the signal is received, a cashier browser window is started as shown in Fig. 34 (c), a virtual cashier terminal is inserted in the cashier browser window, and an instruction to transmit a pattern code is issued. Will be displayed (7 15).

In the user terminal 20, the processing start button 352 is pressed by the user, and the loop settlement is started (701). In the user terminal 20, the conversion section 358 converts the user ID into a pattern code, and the message display section 350 and the pattern code display section 354 display the screen of FIG. 22 (a). (703). The user computer 22 reads the pattern code displayed on the pattern code display section 354 from the CCD camera (716). The user computer 22 transmits the acquired pattern code to the virtual cashier terminal 12 (718). The virtual cashier terminal 12 accesses the payment server 30 and transmits the user ID included in the pattern code transmitted from the virtual cashier terminal 12 to the payment server 30 (720).

After receiving the user ID, the settlement server 30 performs the processing of the cashier terminal information inquiry 722, the user information inquiry 724, and the password authentication 726. The processing of the cashier terminal information inquiry 722 is the same as that of the cashier terminal information inquiry 109 of the first embodiment shown in FIG. The processing of the user information inquiry 724 is the same as that of the user information inquiry 210 of the second embodiment shown in FIG. 28, and thus the description is omitted. The processing of the password authentication 7 26 is the same as the processing of the password authentication 2 10 of the first embodiment shown in FIG. 17 except that it does not have visual authentication, and therefore the description is omitted. . After the password authentication 726 processing, the settlement server 30 assigns the transaction ID to the user ID and issues it (728), and transmits the accounting information and the transaction ID to the user terminal 20 ( 730).

The user terminal 20 performs the process of checking the accounting information 732. The processing of the accounting information confirmation 732 is the same as the processing of the accounting information confirmation 120 of the first embodiment shown in FIG.

At the user terminal 20, when the processing of the accounting information confirmation 732 is completed, the pattern code display section 354 displays the pattern code obtained by converting the user ID and the transaction identification number. Display (7 3 4). The user computer 22 reads the pattern code displayed on the pattern code display section 354 from the CCD camera built in the user computer 22 (736). The user computer 22 sends the acquired pattern code to the virtual cashier terminal 12 (738). The virtual cashier terminal 12 accesses the payment server 30 and transmits the user ID and the transaction identification number included in the pattern code transmitted from the virtual cashier terminal 12 to the payment server 30 (740) Payment server 30 receives the user ID and the transaction identification number, and then performs the transaction identification number collation 742, the purchase amount and available amount collation 744, and the settlement process 746. Since these processes are the same as those in the first embodiment, description thereof will be omitted. After the payment processing 7 46, the payment server 30 transmits a payment completion notification to the virtual cashier terminal 12 (7 4 8), and transmits a receipt notification to the user terminal 20 (7 5 6). . Upon receiving the payment completion notification from the payment server 30, the virtual cashier terminal 12 transmits a payment completion notification to the user computer 22 (750). The user computer 22 displays on the display screen that the payment has been completed. Thereby, the user can know that the settlement of the transaction with the virtual cashier terminal 12 is completed. According to the electronic payment system of the present embodiment, a user accesses an online shopping server on the Internet with a computer, selects a product to be purchased, and uses a user terminal such as a mobile phone to settle the price of the product. It can be performed. In online shopping on the Internet, transmitting a credit card number to the Internet as data has a security problem.Conventionally, it has been difficult to transmit a tale card number using an advanced encryption technology. It was done. However, according to the electronic payment system of the present embodiment, the product to be purchased is selected on the Internet, but the payment can be performed safely using a pager or the like. In the electronic payment system according to the present embodiment, information for identifying a user ゃ credit card information is not exchanged between a user terminal for making a payment and a cashier terminal for making a bill. Therefore, the user is the seller of the product There is an advantage that privacy is protected without having to worry about personal information being known

(Fourth embodiment)

The settlement server 30 as an example of the settlement device in the electronic settlement systems of the first, second, and third embodiments may be realized by a general-purpose computer. FIG. 35 is a block diagram showing a hardware configuration of the general-purpose computer 800. As shown in FIG. In FIG. 35, the computer 800 operates on the basis of the programs stored in the ROM 804 and the RAM 806. The input device 808 allows the administrator of the settlement server 30 to input a data command. A hard disk drive 8100 as an example of a storage device stores setting information and a program on which the CPU 802 operates.

The floppy disk drive 814 reads data or a program from the floppy disk 824 and provides it to the CPU 802. The CD-ROM drive 816 reads data or a program from the CD-ROM 826 and provides it to the CPU 802. The first communication interface 8 18 connects to the communication line 18 to transmit and receive data. The second communication interface 82 2 connects to the communication line 38 to transmit and receive data. The database interface 812 connects to various databases 822 to transmit and receive data in the database. Further, the settlement server 30 is provided with an interface for connecting to the display 828, and the administrator can monitor the operation status of the settlement server 30 and check the setting information using the display 828. Can be.

The software executed by the CPU 802 is stored in a recording medium such as a floppy disk 824 or a CD-ROM 826 and provided to the user. The software stored on the recording medium may be compressed or uncompressed. The software is installed on the hard disk drive 8100 from the recording medium, read out to the RAM806, and executed by the CPU820.

Software provided on a storage medium, ie, a hard disk drive Since the functional configuration and operation of the software installed in 810 are the same as the functional configuration and operation of the settlement server 30 of the first, second, and third embodiments, the description is omitted. I do.

A floppy disk 8 24 or a CD-ROM 8 26 as an example of a recording medium shown in FIG. 35 includes a settlement server 30 as an example of a settlement apparatus according to all the embodiments described in the present application. Some or all of the functions of this function can be stored. Further, when a part of the operation of the cashier terminal 10 described in the above embodiment is executed by the settlement server 30 instead of the cashier terminal 10, one of the operations of the cashier terminal 10 described in the above embodiment is performed. The part can also be stored on a floppy disk 824 or a CD-ROM 826.

These programs may be read directly from the recording medium into the RAM and executed, or may be read into the RAM after being installed in the hard disk drive and executed. Further, the program may be stored on a single recording medium or on a plurality of recording media. Also, it may be stored in an encoded form. Recording media include floppy disks, CD-ROMs, optical recording media such as DVDs, magnetic recording media such as MDs, magneto-optical recording media such as PDs, tape media, magnetic recording media, IC cards and miniature media. A semiconductor memory such as a card can be used. Further, a storage device such as a hard disk or a RAM provided in a dedicated communication network or a server system connected to the Internet may be used as a recording medium, and the program may be provided to the settlement server 30 via the communication network. . Such a recording medium is used only for manufacturing the settlement server 30, and the manufacturing and sales of such a recording medium as a business constitute infringement of the patent right based on the present application. Is clear.

In the above description, in the first, second, and third embodiments, the communication line 18 for connecting the cashier terminal 10 and the cashier server 14 to the settlement server 30 is not a telephone line or a dedicated line. Alternatively, wireless communication or the Internet may be used. If the communication line 18 is the Internet, secure communication with the payment server 30 Therefore, it is desirable to use a secure communication method.

In addition, a bit filtering means is provided in the communication path between the carrier server 40 and the payment server 30 and the communication path between the cashier terminal 10 or the cashier server 14 and the payment server 30, and the user terminals 20 and As described above, the cashier terminal 10 and the cashier server 14 detect the data format of the data exchanged with the payment server 30 ゃ the bit pattern. As described above, in the electronic payment system of the first embodiment, the cashier If the customer acquires the transaction identification number issued in association with the user ID from the user and does not transmit the transaction identification number to the settlement server 30, the settlement process will not be performed. Therefore, the cashier cannot proceed with the settlement without obtaining the approval of the user, thereby preventing unauthorized transactions.

In addition, the cashier at the retail store can authenticate the user with the facial photograph data, and in the case of suspicion or expensive payment, can further require the user to enter a password. Accuracy can be increased. In addition, the user can easily and safely make a payment using a jar or a portable device having a wireless communication function.

In the electronic payment system according to the second embodiment, both the cashier terminal 10 and the user terminal 20 specify an authentication method, and determine an authentication method that can be agreed between the retailer or the cashier and the user. The user can be authenticated. Therefore, it is possible to adjust the authentication method and authentication accuracy required by the user, and the authentication method and authentication accuracy required by cashiers and retailers. Also, the authentication method can be changed depending on the purchase price. According to the electronic payment system of the third embodiment, a user accesses an online shopping server on the Internet with a computer, selects a product to be purchased, and uses a user terminal such as a pager to store the product. Payment can be done safely. Although the selection of the product to be purchased is made on the Internet, the payment can be made securely using a pager or the like, and the user does not have to worry about the personal information being known to the seller of the product. Privacy is protected. The electronic payment system of the present invention has the following advantages for merchants of retail stores, mail-order sales, or online shopping on the Internet. By selecting an authentication method, the accuracy of authentication can be easily changed according to the payment amount and the payment scene. In the case of high-value payments, such as purchasing goods at a jewelry store, the sales rep must authenticate the user with face photo data and, if in doubt, combine password authentication to ensure the accuracy of the authentication. Can be.

The electronic payment system of the present invention has the following advantages for the user. By carrying a highly portable communication terminal such as a pager, shopping payments can be made electronically anytime and anywhere, eliminating the need to carry cash / credit cards, bank cards, and IC money cards. In addition, the user can check the account withdrawal status, available balance, shopping history, and the like using the data bucket communication function of the pager.

The electronic payment system of the present invention has the following advantages for credit card companies. The authentication method can prevent unauthorized use of credit cards. Since credit settlement can be performed electronically using a pager, it is not necessary to issue or manage a credit card, and costs can be reduced. Also, by using the multiple authentication method, even if an employee in charge of a credit card company or the like illegally takes out data, it is possible to prevent the user's settlement account from being illegally used.

Although the embodiments of the present invention have been described above, the technical scope of the present invention according to the present application is not limited to the above embodiments. The invention described in the claims can be implemented by adding various changes to the above embodiment. It is also clear from the description of the claims that such an invention belongs to the technical scope of the invention according to the present application. Industrial applicability

As is apparent from the above description, according to the present invention, the settlement in the transaction of goods is It can be done safely and easily through a network.

Claims

The scope of the claims

1. An electronic payment system for settling transactions using a communication network,

A settlement device for performing settlement of the transaction,

A request to connect to the settlement device via the communication network and make a request in the transaction;

A payment terminal connected to the settlement device via the communication network and performing payment in the transaction;

With

The payment device sets a transaction identification number for identifying the transaction with the payment terminal, and the billing terminal transmits the same transaction identification number as the transaction identification number to the payment device. An electronic payment system for performing a payment process of the transaction between the billing terminal and the payment terminal.

2. The payment device transmits the transaction identification number to the payment terminal, receives the transaction identification number notified by the payment terminal to the billing terminal from the billing terminal, and sets the payment device. The transaction identification number is compared with the transaction identification number received from the billing terminal, and if they match, the settlement processing of the transaction is performed between the billing terminal and the payment terminal. 2. The electronic payment system according to claim 1, wherein:

3. A payment terminal for performing billing in a transaction and a payment device that communicates with a payment terminal that performs payment in the transaction, and performs payment for the transaction.

A first communication unit connected to the billing terminal via a first communication network; a second communication unit connected to the payment terminal via a second communication network; and settlement processing of the transaction. Processing unit and '

The processing unit sets a transaction identification number for identifying the transaction with the payment terminal. When the billing terminal transmits the same transaction identification number as the transaction identification number to the payment apparatus, the payment processing of the transaction is performed between the billing terminal and the payment terminal. Characteristic payment device.

4. The second communication unit transmits the transaction identification number to the payment terminal, and the first communication unit transmits the transaction identification number notified by the payment terminal to the billing terminal, to the billing terminal. The processing unit receives the transaction identification number set by the processing unit, and checks the transaction identification number received from the billing terminal, and when they match, the billing terminal and the payment terminal 4. The settlement apparatus according to claim 3, wherein the settlement processing of the transaction is performed during the period. .

5. The first communication unit receives, from the billing terminal, a payment terminal identification number identifying the payment terminal notified by the payment terminal to the billing terminal, and the processing unit performs the payment terminal identification. The method according to claim 4, wherein the transaction identification number is set in association with a number, and the second communication unit transmits the transaction identification number to the private terminal identified by the payment terminal identification number. A payment device according to claim 1.

6. The second communication unit transmits the transaction identification number to the payment terminal identified by the payment terminal identification number, and the first communication unit notifies the payment terminal that the payment terminal has notified the billing terminal. A payment terminal identification number and the transaction identification number are received from the billing terminal, and the processing unit associates the transaction identification number set by the processing unit with the payment terminal identification number received from the billing terminal. The transaction number received from the billing terminal is compared with the transaction identification number received from the billing terminal, and if they match, the transaction of the transaction is performed between the payment terminal identified by the payment terminal identification number and the billing terminal. 6. The settlement apparatus according to claim 5, wherein the settlement processing is performed.

7. The processing unit further includes a storage unit configured to store the transaction identification number setting time in which the transaction identification number is set in association with the payment terminal identification number, wherein the processing unit includes the transaction identification number setting time and Comparing the transaction identification number reception time at which the transaction identification number was received from the billing terminal, and when the difference between the transaction identification number setting time and the transaction identification number reception time is within a predetermined time, Specialize in performing payment processing 7. The settlement apparatus according to claim 6, wherein

8. The first communication unit receives a purchase price in the transaction from the billing terminal, and the processing unit performs the payment based on the purchase price received from the billing terminal by the first communication unit. 6. The settlement apparatus according to claim 5, wherein the settlement processing of the transaction is performed for a user of the terminal.

9. The first communication unit receives the purchase price in the transaction from the billing terminal, and the second communication unit transmits the purchase price to the user of the payment terminal to confirm the purchase price. 9. The settlement apparatus according to claim 8, wherein an amount is transmitted to the payment terminal.

10. The first communication unit transmits a settlement completion notification for notifying the completion of the settlement process by the processing unit to the billing terminal, and the second communication unit performs the settlement process by the processing unit. 10. The settlement apparatus according to claim 9, wherein a receipt for notifying receipt of the purchase price is transmitted to the payment terminal.

11. The system further comprises a billing terminal database storing information on the billing terminal, wherein the first communication unit receives a billing terminal identification number for identifying the billing terminal from the billing terminal, and wherein the processing unit 6. The settlement apparatus according to claim 5, wherein information on the billing terminal is extracted from the billing terminal database based on the billing terminal identification number, and the registration of the billing terminal is confirmed.

12. The second communication unit transmits the information on the billing terminal extracted from the billing terminal database to the payment terminal in order for the payment terminal to confirm the billing terminal. 11. The settlement apparatus according to claim 11, wherein:

13. The payment terminal database further storing information on the payment terminal, wherein the processing unit extracts information on a user of the payment terminal from the payment terminal database based on the payment terminal identification number, 6. The payment apparatus according to claim 5, wherein at least one of a user's registration status, the user's usage status, and the user's possible settlement amount is confirmed.

1 4. The processing unit uses the payment terminal from the payment terminal database to use the payment terminal. 13. The system according to claim 13, wherein at least a part of the attribute information of the user is extracted, and the first communication unit transmits at least a part of the attribute information of the user to the billing terminal. The payment device as described.

15. A payment terminal database further storing information on the payment terminal, wherein the processing unit extracts authentication information of a user of the payment terminal from the payment terminal database, and wherein the first communication unit includes: 6. The settlement apparatus according to claim 5, wherein the billing terminal transmits the authentication information of the user to the billing terminal in order to authenticate the user.

16. The settlement apparatus according to claim 15, wherein the authentication information of the user is a photograph of the face of the user.

17. The first communication unit receives a signal requesting authentication of the user with a password from the billing terminal,

The processing unit extracts information on the password of the user of the payment terminal from the payment terminal database,

The second communication unit transmits a command for requesting a password to the payment terminal, receives a password input by the payment terminal from the billing terminal,

The processing unit compares the password received from the billing terminal with the information on the password extracted from the payment terminal database,

17. The settlement apparatus according to claim 16, wherein the first communication unit authenticates the user by transmitting success / failure of the password collation by the processing unit to the billing terminal.

18. A payment terminal database further storing information on the private and private terminals, wherein the processing unit extracts authentication information registered by the user of the payment terminal from the payment terminal database, and The communication unit transmits an instruction for inquiring the authentication information to the payment terminal, and the first communication unit receives the authentication information notified by the user to the billing terminal in response to the instruction. 6. The settlement apparatus according to claim 5, wherein the user is authenticated by the following.

19. The first communication unit notifies the billing terminal of the success or failure of the user authentication by transmitting a result of the authentication by the processing unit to the billing terminal. 18. The payment device according to item 8.

20. The payment terminal database stores a plurality of authentication information registered by the user, and the processing unit randomly extracts at least one of the plurality of authentication information from the payment terminal database. 19. The settlement apparatus according to claim 18, wherein: '

21. A payment terminal database further storing information on the payment terminal, wherein the billing terminal database stores an authentication method required by the billing terminal, and the payment terminal database stores authentication required by the user. The processing unit extracts the authentication method requested by the billing terminal from the billing terminal database, extracts the authentication method requested by the user from the payment terminal database, and requests the billing terminal. 6. The settlement apparatus according to claim 5, wherein an agreeable authentication method is determined based on the authentication method and the authentication method requested by the user, and the user is authenticated.

2 2. When the authentication accuracy of the authentication method requested by the billing terminal is different from the authentication accuracy of the authentication method requested by the user, the authentication method with the higher authentication accuracy is set to the agreed authentication method. 22. The settlement apparatus according to claim 21, wherein:

23. If the authentication method requested by the billing terminal does not match the authentication method requested by the user, the processing unit rejects the authentication of the user, and the second communication unit 22. The settlement apparatus according to claim 21, wherein information indicating that the authentication has been rejected is transmitted to the payment terminal.

24. The authentication method requested by the billing terminal and the user includes: visual authentication using face photograph data of the user; password authentication using authentication information registered by the user as a password; Claims wherein at least one of voice authentication using voice data registered by a user is specified.

21. The payment device according to any one of 1 to 23.

25. If the authentication method requested by the user is a specification that rejects the visual authentication, and the authentication method requested by the billing terminal is a specification that does not require the visual authentication, 25. The settlement apparatus according to claim 24, wherein the processing unit does not include the visual authentication in the authentication method that can be agreed.

26. If the authentication method requested by the user is a specification that rejects the visual authentication, and the authentication method requested by the billing terminal is a specification that requires the visual authentication, The processing unit rejects the authentication of the user, and the second communication unit transmits information indicating that the authentication has been rejected to the payment terminal because the agreement of the authentication method cannot be obtained. 25. The settlement apparatus according to claim 24, wherein

27. If the authentication method requested by the user is a specification to add the password authentication, the processing unit combines the authentication method requested by the billing terminal with the password authentication, and 25. The settlement apparatus according to claim 24, wherein the settlement method is an agreed-upon authentication method.

28. A payment terminal that performs payment in the transaction by communicating with a payment device that performs payment of the transaction and a billing terminal that performs billing in the transaction.

A receiving unit that receives a transaction identification number that identifies the transaction from the payment device; a storage unit that stores the transaction identification number received by the receiving unit;

A conversion unit that converts the transaction identification number stored in the storage unit into a pattern code;

A display unit for displaying the pattern code;

A payment terminal comprising:

29. The storage unit stores a payment terminal identification number for identifying the payment terminal, and the conversion unit converts the payment terminal identification number stored in the storage unit into the pattern code. 30. The payment terminal according to claim 28, wherein the display unit displays the pattern code in order to notify the billing terminal of the payment terminal identification number.

30. The receiving unit receives the transaction information of the transaction from the settlement device, and the conversion unit converts the payment terminal identification number and the transaction identification number stored in the storage unit into the pattern code. The display unit includes a pattern code display unit that displays the pattern code to notify the billing terminal of the payment terminal identification number and the transaction identification number, and a message display unit that displays the accounting information. 30. The payment terminal according to claim 29, wherein the payment terminal is provided.

31. The pattern code display unit displays the pattern code on condition that a user of the payment terminal confirms the transaction information of the transaction displayed by the message display unit. A payment terminal according to item 30.

3 2. A billing terminal that communicates with a settlement device that performs settlement of a transaction and makes a payment in the transaction with respect to a payment terminal that performs payment in the transaction.

A pattern code reading unit that reads a pattern code displayed by the payment terminal;

A processing unit for acquiring a transaction identification number for identifying the transaction identification from the pattern code;

A communication unit that transmits the transaction identification number acquired by the processing unit to the payment device.

33. The processing unit acquires a payment terminal identification number for identifying the payment terminal from the pattern code, and the communication unit transmits the payment terminal identification number and the transaction identification number to the payment device. 33. The billing terminal according to claim 32, wherein:

34. The communication unit transmits the purchase price in the transaction to the payment device, and the payment device sends the transaction identification number to the user of the payment terminal identified by the payment terminal identification number. 33. The method according to claim 32, wherein, when the settlement process of the transaction identified by is performed based on the purchase amount, a settlement completion notification for notifying the completion of the settlement process is received from the settlement device. A billing terminal according to.

35. The claim terminal according to claim 32, wherein the communication unit receives at least a part of attribute information of a user of the payment terminal from the payment device.

36. The sales history database further storing a sales history in the transaction, wherein the sales history database includes a product identification number for identifying a product sold in the transaction and the attribute information of the user of the payment terminal. 36. The billing terminal according to claim 35, wherein the billing terminal is stored in association with.

37. The billing terminal according to claim 36, wherein the attribute information of the user includes at least one of sex and age of the user.

38. The communication unit receives authentication information of the user of the payment terminal from the payment device, and the processing unit authenticates the user based on the authentication information received from the payment device. The billing terminal according to claim 35, wherein:

39. The claim terminal according to claim 38, wherein the authentication information of the user is a face photograph of the user.

40. A settlement method in a settlement system including a billing terminal for making a bill in a transaction, a payment terminal for making a payment in the transaction, and a settlement device for making a settlement for the transaction,

The payment terminal notifying the billing terminal of a payment terminal identification number identifying the payment terminal;

The billing terminal transmitting the payment terminal identification number acquired from the payment terminal and the purchase price of the transaction to the payment device;

The payment device, in association with the payment terminal identification number received from the billing terminal, assigning a transaction identification number identifying the transaction,

Transmitting the transaction identification number assigned in association with the payment terminal identification number and the purchase price received from the billing terminal to the payment terminal identified by the payment terminal identification number; ,

The payment terminal displays the purchase amount received from the settlement device; anda user of the payment terminal confirms the purchase amount displayed on the payment terminal. Notifying the billing terminal of the payment terminal identification number and the transaction identification number; The billing terminal transmitting the payment terminal identification number and the transaction identification number obtained from the payment terminal to the payment device;

The payment device comparing the transaction identification number received from the billing terminal with the transaction identification number assigned in association with the payment terminal identification number received from the billing terminal;

The settlement apparatus performing a settlement process of the transaction between the billing terminal and the payment terminal identified by the payment terminal identification number based on the purchase price when the verification is successful;

A settlement method comprising:

41. A settlement method in a settlement device that communicates with a billing terminal that performs billing in a transaction and a payment terminal that performs payment in the transaction, and that performs a payment for the transaction, wherein the payment terminal notifies the billing terminal, Receiving a payment terminal identification number identifying a payment terminal, and a purchase price from the billing terminal;

Assigning a transaction identification number identifying the transaction in association with the payment terminal identification number received from the billing terminal;

Transmitting the transaction identification number and the purchase amount assigned to the payment terminal identification number to the payment terminal identified by the payment identification number;

Receiving the payment terminal identification number and the transaction identification number from the billing terminal, wherein the payment terminal notifies the billing terminal when a user of the payment terminal confirms the purchase price;

Comparing the transaction identification number received from the billing terminal with the transaction identification number assigned in association with the payment terminal identification number received from the billing terminal;

A step of performing the settlement processing of the transaction between the billing terminal and the payment terminal identified by the payment terminal identification number based on the purchase price when the verification is successful;

A settlement method comprising:

42. A settlement method in a settlement device for communicating with a billing terminal for making a bill in a transaction and a payment terminal for making a payment in the transaction, and setting a transaction identification number for identifying the transaction. When,

Transmitting the transaction identification number to the payment terminal;

When the payment terminal notifies the billing terminal of the transaction identification number and the billing terminal transmits the same transaction identification number as the transaction identification number to the settlement apparatus, the billing terminal and the payment terminal Performing the settlement process of the transaction.

4 3. A storage medium storing a computer program for communicating with a billing terminal for making a bill in a transaction and a payment terminal for making a payment in the transaction and performing the settlement of the bow I. To

A first communication module connected to the billing terminal via a first communication network;

A second communication module for connecting to the payment terminal via a second communication network;

A processing module for performing settlement processing of the transaction;

With

The processing module sets a transaction identification number for identifying the transaction with the payment terminal, and when the billing terminal transmits the same transaction identification number as the transaction identification number to the computer, A storage medium for causing the settlement processing of the transaction to be performed between a claim terminal and the payment terminal.