JP2001297277A - Portable communication device on supplier side used to clear up transaction - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make optional the introduction of a POS device in a storefront, the introduction of a debit card reader, the installation of a store device which manages clearance information at one place, etc., to make the store terminal inexpensive, and to remove factors suppressing the introduction into a small store. SOLUTION: This device is equipped with a transmission and reception part which communicates data to a consumer-side communication device, a display part for information, an input part which inputs the amount of transaction with a consumer, a storage part for information, and a control part which controls the operations of the respective parts. The control part has functions of storing at least the total amount data of the transaction in the storage part according to the amount of the transaction inputted from the input part, reading the total amount data of the transaction out of the storage part to clear up the transaction, and transmitting it to the consumer-side communication device through the transmission and reception part.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a portable communication device of a supplier used for settlement of a transaction.

[0002]

2. Description of the Related Art The use of a debit card has been put to practical use for settlement of sales of goods and services. In the settlement of this debit card, the connection between the seller's store device and the bank device that manages the buyer's account information is made by the seller's store device and CAFIS.
(Credit And Finance Information System) is required. As a store device, a card reader for reading a debit card is required.
A terminal having an S (Point-Of-Sales) function is used.

[0003]

However, the above conventional example has the following disadvantages. Since the communication between the store and the bank must be performed via CAFIS or the like, a CAFIS fee is charged, and this is considered to be a bottleneck particularly when using a debit card aiming at facilitating small-value transactions. Communication costs between stores and banks have to be owned by stores, which has been a factor in suppressing the introduction into stores. In general, it is necessary to introduce a POS device at a store, a card reader for a debit card, a store device for centrally managing payment information, and the like, which has been a factor for suppressing the introduction to a small store. POS devices and card readers for debit cards are not suitable for carrying, so for example, taxi payment,
It could not be used to pay for home delivery pizza. When handing a card to a clerk, information recorded on the card might be stolen.

[0004]

SUMMARY OF THE INVENTION The object of the present invention is to improve the disadvantages of the prior art and introduce optional POS devices in stores, introduction of a card reader for debit cards, installation of a store device for centrally managing payment information, and the like. The aim is to make store terminals cheaper and to eliminate the factors that restrict the introduction to small stores. Also,
It is an object of the present invention to reconsider the device scale of a POS device or a card reader for a debit card so that the device can be used for carrying, for example, a taxi, a home delivery pizza, and the like. It is another object of the present invention to eliminate the need to hand a card to a clerk and to eliminate the possibility that information recorded on the card is stolen. Also reduced CAFIS fees,
There is an ancillary effect that eliminates the need for store-side communication costs.

[0005]

According to the first aspect of the present invention, there is provided a transmission / reception unit for performing data communication with a communication device on the consumer side, an information display unit, and a transaction with the consumer. An input unit for inputting the amount of money, a storage unit for information, and a control unit for controlling operations of these units. The control unit stores at least the total amount data of the transaction in the storage unit based on the amount of the transaction input from the input unit, reads out the total amount data of the transaction from the storage unit for the settlement of the transaction, and And a function of transmitting the information to the communication device on the consumer side via the communication device.

Here, for example, as in the case where the product to be traded is a single product, the value of the total price data may be equal to the value of the transaction input from the input unit. The “input section” here includes not only the input section 213 of FIG. 3 but also the second section of FIG.
The communication unit 216 also corresponds. In addition, "for transaction settlement"
Means that the ultimate goal is to realize the settlement of the transaction,
The settlement process does not have to be completed only by transmission from the portable communication device on the supplier side to the communication device on the consumer side. The settlement request to the communication device of the bank may be made from the portable communication device on the supplier side, or may be made from the communication device on the consumer side.

[0007] According to a second aspect of the present invention, in the portable communication device on the supplier side according to the first aspect, the transmission / reception unit has a function of performing data communication with the communication device of the settlement bank. The control unit receives the electronically signed data from the communication device on the consumer side via the transmission / reception unit and stores the data in the storage unit.Also, stores the account identification data of the supplier in the storage unit, and performs the settlement of the transaction. It has a function of reading electronically signed data and supplier's account identification data from a storage unit, and transmitting the data to a settlement bank communication device via a transmission / reception unit for transaction settlement. It has a configuration.

According to a third aspect of the present invention, in the portable communication device on the supplier side according to the second aspect, the control unit receives and stores a settlement completion notification for the transaction from the communication device of the settlement bank via the transmission / reception unit. And the fact that the settlement is completed is displayed on the display unit. For example, after confirming the completion of the settlement on the display unit, the supplier hands over the product or the like to be traded to the consumer.

According to a fourth aspect of the present invention, a configuration is adopted in which the portable communication device on the supplier side according to the first, second or third aspect is incorporated in a portable telephone device. The portable telephone device includes a PHS and the like in addition to a so-called portable telephone.

[0010] The invention according to claim 5 adopts a configuration in which the control unit has a function of importing at least a transaction amount into a data management device such as a POS terminal via a transmission / reception unit. This aims to achieve the above-mentioned object. Further, the control unit may have a function of receiving the payment amount from the POS cash register and transmitting the payment amount to the consumer.

[0011]

DESCRIPTION OF THE PREFERRED EMBODIMENTS [First Embodiment]

Hereinafter, an embodiment of the present invention will be described with reference to FIGS.
It will be described based on.

FIG. 1 is a configuration diagram of a settlement system according to the present embodiment. The payment system includes a mobile phone (mobile phone) 10 as a communication device on the side of a consumer, a company system 20, and a bank system. In the present embodiment, the bank system includes a first bank 30 and a second bank 30.
Bank 40.

The customer carrying 10 is carried by a customer who uses a trader. In the present embodiment, the customer mobile phone 10 has a communication function with the agent system 20 and the bank systems 30 and 4.
0 communication function. In this embodiment,
This communication function is a wireless communication function for performing data communication wirelessly.

FIG. 2 shows a customer mobile phone 10 according to the present embodiment.
FIG. The customer mobile phone 10 includes a wireless transmission / reception unit 11 for performing wireless communication with the agent system 20 and the bank systems 30, 40, a display unit 12 for displaying information to the customer, and an operation unit 13 for the customer to input a command to the control unit 15. , Control unit 15
1 includes a storage unit 14 for storing data used for processing, and a control unit 15 for controlling operations of these units. The wireless transmission / reception unit 11 is configured to include elements of a conventional general mobile phone, such as an RF unit, a baseband unit, a microphone, and a speaker.

The storage unit 14 stores an electronic certificate (digital ID) 141 unique to the customer's mobile phone 10 and a bank telephone number 142 for connecting to a bank system via a mobile phone line (cellular network). ing. In the present embodiment, the electronic certificate 141 is the X. An electronic certificate conforming to 509 and issued in a CA (Certificate-Authority). The electronic certificate 141 may be stored in the storage unit 14 at the time of credit at the time of purchase of the customer's mobile phone 10, or only a PIN (personal identification number, password) may be obtained at the time of purchase of the customer's mobile phone 10. The electronic certificate obtained online from may be stored in the storage unit 14, or may be stored by other methods.

The control unit 15 includes a CPU.
The external line function 151 and the internal line function 152 are realized by the program processing described above. Here, the external line function refers to a function of realizing communication via a mobile phone line, and the extension function refers to a function of realizing communication without a mobile phone line. The wireless transmission / reception unit 11 includes a communication circuit corresponding to the external line function 151, and the second communication unit 16 includes a communication circuit corresponding to the internal line function 152. Here, the data transmission medium that implements the extension function may be radio waves or infrared rays.
In the present embodiment, the control unit 15 controls the bank system 3
When communicating with 0 and 40, the external line function 151 is activated, and when communicating with the agent system 20, the internal line function 152 is activated. To implement the extension function 152, adoption of Bluetooth may be considered. However, the outside line function 151 may be used when communicating with the agent system 20, and in that case, for example, use of an existing short mail function is conceivable. In this case, the extension function 152 is optional.

On the other hand, the supplier system 20 includes one or a plurality of portable telephones (portable communication device / supplier portable on the supplier side) 21.
And a headquarters device 22 for centrally managing data obtained by one or a plurality of these vendor mobile phones 21. Headquarters device 22
May be a POS device.

FIG. 3 is a configuration diagram of the trader's portable 21. The dealer mobile phone 21 is a mobile phone in which a new function is added to an existing mobile phone. That is, a wireless transmission / reception unit (transmission / reception unit) 211 that performs wireless data communication with the customer's mobile phone 10 of the customer, a display unit 212 that displays a product list and the contents of a sales transaction, and a control unit 2
The control unit 151 includes an input unit 213 for inputting trading transaction data and instructions, a storage unit 214 for storing data used by the control unit 151 for processing, and a control unit 215 for controlling operations of these units.

The input section 213 has input keys for inputting the type of traded product and the trade price. Control unit 215
Is an extension function 2152 by CPU program processing.
And an outside line function 2153 are realized. Wireless transceiver 21
1 includes a communication circuit necessary for data communication with the customer's mobile phone 10. The second communication unit 216 includes an extension function 215
2 is provided. The wireless transmission / reception unit 211 is configured to include elements of an existing mobile phone, such as an RF unit, a baseband unit, a microphone, and a speaker. The data communication between the customer and the customer's mobile phone 10 may be radio waves or infrared rays as described above, and the communication path may be communication using an extension function (for example, bluetooth) or communication via a mobile phone line. (For example, using the short mail function). Also, a data transmission / reception unit with the POS register may be provided.

In FIG. 1, the first bank 30
The system includes a net bank device 31 and a net bank database (net bank DB) 32. The net bank device 31 includes an account file of a first customer (first customer account file) and an account file (trader account file) of a trader who trades. Normally, in the net bank device 31, the settlement of the trade between the customer and the trader is performed by transferring the trading value from the first customer account file to the trader account file. The net bank DB 32 manages a purchase history obtained in the net bank device 31 for each customer.

On the other hand, the second bank 40,
This function works when the settlement by the bank 40 is requested. The second bank 40 includes a head office device 41 and a predetermined branch device 42 having a second customer account file.

Here, the headquarters device 2 of the trader system 20
2. The net bank device 31 of the first bank 30, the head office device 41 and the branch device 42 of the second bank 40 are each a conventional computer element (input means, display means, control means (CPU), storage means) , Communication means, etc.). Trader system 20, first bank 30, second bank 4
0 are mutually connected via a network. The customer mobile phone 10 is connected to the network via a mobile phone line, and is connectable to the first bank 30 and the second bank 40 via the network.

Next, the operation of this embodiment will be described with reference to FIG.

A customer purchases a product or the like from a trader and makes a payment. The trader operates the trader's mobile phone 21 and inputs product information (product name, price, etc.) of the purchased product from the input unit 213. Alternatively, the merchandise information received and displayed from a POS register or the like via a carrier phone may be accepted from the input unit. The control unit 215 creates the item purchase details data 2141 in the storage unit 214 based on the input data. Here, the goods purchase detail data includes a preset trader code (supplier account identification data), the amount charged for the purchase by the customer, the details of the product purchased by the customer, and the like. When the processes up to this point are completed, the control unit 215 requests the customer to settle the balance on the display of the display unit 212. In response to this, the customer operates his / her own customer's mobile phone 10 and transmits an offer to purchase the goods to the dealer's mobile phone 21. At this time, customer mobile 1
The control unit 15 of “0” activates the extension function 152 in response to the operation of the operation unit 13, and transmits an offer for the purchase of goods to the dealer mobile phone 21 via the second communication unit 16. Here, conversely, it is also possible to transmit an offer to pay for the purchase of goods from the trader's mobile 21 to the customer's mobile 10, and start the subsequent settlement processing.

When the control unit 215 of the trader's portable device 21 receives the offer for the purchase of the goods via the wireless transmission / reception unit 211, the control unit 215 reads out the purchase details 2141 from the storage unit 214, and the customer's portable device 10 via the wireless transmission / reception unit 211. Send to When the control unit 15 of the customer's mobile phone 10 receives the item purchase details via the wireless transmission / reception unit 11, the control unit 15 stores it in the storage unit 14.
(Reference numeral 143).

The control unit 15 of the customer's mobile phone 10 displays the billing amount described in the item purchase details on the display unit 12, and requests the customer to perform an operation to approve the purchase. When accepting the purchase approval operation via the operation unit 13, the control unit 15 activates the outside line function 151 and connects to the net bank device 31, and then stores the electronic certificate (digital ID) 141 from the storage unit 14.
And the goods purchase details 143, and reads out the goods purchase details 14
3 is given an electronic signature using a secret key, and transmitted to the net bank device 31 via the wireless transmission / reception unit 11. At this time, a bank code and an account number for which a customer registered in advance in the customer's mobile phone 10 or specially designated from the customer operation unit 13 wishes to make a payment are added as necessary. Based on the digital certificate or this bank code and account number,
The net bank device 31 can know the customer's account. Communication between the customer mobile phone 10 and the net bank device 31 is performed by security communication (encryption) using SSL or the like. Specifically, the electronic certificate request (authentication request) is transmitted from the net bank device 31 to the customer mobile phone 10, and in response to this, the customer mobile phone 10 sends the electronic certificate and the electronically signed item purchase detail data. Reply. At this time, a common key for subsequent cryptographic communication is transmitted and received between the net bank device 31 and the customer mobile phone 10. Control unit 1 of customer mobile phone 10
5 accepts the input of the correct password from the operation unit 13 to permit transmission of the electronic signature. Here, in the above description, only the total amount data of the customer purchased products may be extracted and transmitted from the customer mobile phone 10 to the head office device 41, instead of the entire contents of the purchase details.

The net bank device 31 checks the account for payment specified by the customer, and if the account is set in the first bank, searches the first customer account file.
That is, after receiving and storing the electronic certificate and the item purchase details transmitted from the customer mobile phone 10, the first customer account file is searched based on the electronic certificate. Alternatively, the customer's account is specified based on the designated account number. Then, if the net bank device 31 determines that payment is possible by comparing the searched balance information of the first customer account file and the billing amount data included in the item purchase statement, the first bank account file or the overdraft account is determined. The billing amount (trading price) is transferred from the file to the trader account file, and a message (payment notification) to the effect that the settlement is completed is transmitted to the customer mobile phone 10. Here, the determination as to whether payment is possible may be made by determining whether the balance of the deposit is larger than the billed amount data, or by determining whether or not the amount is within a predetermined overdraft extreme amount. The determination may be made, or it may be determined whether the individual loan is executed for the amount based on the individual loan examination. The control unit 15 of the customer mobile phone 10 receives the payment notification via the wireless transmission / reception unit 11, displays the content on the display unit 12, activates the extension function 142, and transfers the payment notification to the trader mobile phone 21. .

The control unit 215 of the trader's mobile phone 21 receives the payment notification via the wireless transmission / reception unit 211, and displays the content, that is, the completion of the payment on the display unit 212. The trader who confirms this display hands over the customer's purchased goods (things) to the customer, and the transaction is completed. Here, in order to prevent tampering of the payment notification, for example, an electronic signature of the net bank device 31 may be given to the payment notification.

After receiving the deposit notification, the control unit 15 of the trader's mobile phone 21 activates the outside line function 2151 to connect to the head office device 22 and transmits the deposit notification. This allows
The settlement process between the headquarters and the mobile phone is also completed.

Further, the net bank device 31 accumulates contents of goods purchase details (things, money, customer data) in the net bank DB 32 for each customer based on the goods purchase details received from the customer's mobile phone 10. Here, the net bank apparatus 31 may collect a commission from the trader's mobile phone 21 in accordance with the transaction volume of trading using the present system (the same applies to the following embodiments).

On the other hand, if the settlement-desired account specified by the customer is the second customer account at the second bank, the net bank device 31 first replaces the billed amount from a file such as a self-account and stores the account in the store account. Deposit in file. Thereafter, a transfer request specifying the identification information of the customer making the payment and the amount of the replacement is transmitted to the head office device 41 of the second bank 40.

On the other hand, the head office apparatus 41 deposits a reimbursement amount for a file such as an ordinary deposit or a checking account of the net bank apparatus 31. Further, the branch device 42 debits the billed amount from the second customer account file, and the head office device 4
Deposit in 1 account file. Upon confirming the payment, the head office device 41 transmits a notice of payment completion (payment notification) to the net bank device 31, and ends the transaction.

According to the above-described embodiment, the contractor
Since there is no need to pass through CAFIS or the like for communication between banks, there is no charge for CAFIS or the like, and the bottleneck of a conventional debit card aiming particularly at facilitating small-amount transactions can be solved. Further, by performing data communication between the customer's mobile phone and the bank system, it is possible to reduce the conventional communication cost between the store and the bank, and to alleviate the factor of suppressing the introduction into the store. Further, since the settlement is performed using the customer's mobile phone, it is not necessary to hand the card to the clerk as in the related art, and it is possible to prevent the information recorded on the card from being stolen.

[Second Embodiment]

Next, a second embodiment of the present invention will be described with reference to FIG. The physical configurations of the customer mobile phone 10, the dealer system 20, and the bank system (the first bank 30 and the second bank 40) and the connection form between the respective components are the same as those in the first embodiment.

The customer setstles the transaction in the same manner as in the first embodiment, and transmits an offer to pay for the purchase of goods from the customer's mobile phone 10 to the dealer's mobile phone 21. As described in the first embodiment, it is also possible to start the settlement process by making an offer for the purchase of goods from the dealer mobile phone 21 to the customer mobile phone 10 (same in the following embodiments).

On the other hand, the trader's cell phone 21 transmits the item purchase details to the customer cell phone 10 as in the first embodiment.

The customer mobile phone 10 transmits an electronic certificate (digital ID) and a digitally signed item purchase statement to the net bank device 31, as in the first embodiment.
In this case, not the entire contents of the purchase details of the goods but only the total amount data of the products purchased by the customer may be extracted and transmitted from the customer's mobile phone 10 to the head office apparatus 41.

The net bank device 31 receiving this message
Transfers the trading value from a first customer account file or an account file such as a savings account or a checking account to a store account file, as in the first embodiment. In addition, the net bank device 3
1 is a system in which the completion of the settlement is notified as a payment
To the headquarters device 22.

The headquarters apparatus 22, which has received the payment notification, transfers the payment notification to the trader's cell phone 21 where the customer is trading. When the trader's mobile phone 21 receives the payment notification, the settlement process between the headquarters and the mobile phone ends.

The control unit 215 of the trader's cell phone 21 receives the above-mentioned payment notice and notifies the display unit 2 of the completion of the settlement.
12 is displayed. The trader who confirms this display hands over the customer's purchased goods (things) to the customer. As a result, customers
The transaction between the traders ends.

Further, the net bank device 31 stores and manages commercial transaction information (things, money, customer data) based on the item purchase details in the net bank DB 32, as in the first embodiment.

If the customer's designated settlement desired account is in the second bank, the net bank device 31 transfers the reimbursement amount to the head office device 41 of the second bank 40, as in the first embodiment. Submit the request.

On the other hand, as in the first embodiment, the head office apparatus 41 deposits a transfer money into an account file of the net bank apparatus 31 such as an ordinary deposit or a checking account. Further, the branch apparatus 42 debits the billed amount from the second customer account file and deposits the same in the account file of the head office apparatus 41 as in the first embodiment. Head office device 4 that confirmed this payment
1 transmits a notification (payment notification) to the effect that settlement is completed to the net bank device 31, and ends the transaction.

In this case, the same effects as in the first embodiment can be obtained.

[Third Embodiment]

Next, a third embodiment of the present invention will be described with reference to FIG. In the present embodiment, the first bank 30 does not have the net bank DB. The physical configurations of the customer mobile phone 10, the dealer system 20, and the second bank 40, and the connection form between the elements are the same as those in the first embodiment.

The customer setstles the transaction in the same manner as in the first embodiment, and transmits an offer to pay for the purchase of goods from the customer's mobile phone 10 to the dealer's mobile phone 21. At this time, the control unit 15 of the customer mobile phone 10 reads out the electronic certificate 141 from the storage unit 14, and uses the electronic certificate 141 together with the digital certificate 141 that has been digitally signed to the above-mentioned offer for the purchase of goods, and the mobile phone 21.
Send to The control unit 15 also digitally signs the customer's settlement account information received from the operation unit 13 or stored in the storage unit 14 in advance using the customer's private key stored in the storage unit 14, Send to.

The trader's cell phone 21 stores the digitally signed item purchase statement data and digital certificate received from the customer cell phone 10, the total price of the product purchased by the customer, and the customer's account information that has been digitally signed, into the headquarters unit 22. Send to The headquarters device 22 transfers the electronic certificate of the customer's mobile phone 10, the total amount of the customer purchased merchandise, and the account information (all of which have been electronically signed) received from the trader's mobile phone 21 to the net bank device 31.

The net bank device 31 receiving this message
Decrypts the account information with the public key of the customer, and transfers the total amount of the transaction from the first customer account file or the account file such as the checking account to the store account file as in the first embodiment. Then, a message (payment notification) indicating the completion of the settlement is transmitted to the head office device 22 of the trader system 20.

The headquarters device 22 that has received the payment notification from the net bank device 31 transfers the payment notification to the trader's cell phone 21 where the customer is trading. When the trader's mobile phone 21 receives the payment notification, the settlement process between the headquarters and the mobile phone ends.

Upon receiving the above-mentioned payment notice, the control unit 215 of the trader's cell phone 21 notifies the display unit 2 of the completion of the settlement.
12 is displayed. The trader who confirms this display hands over the customer's purchased goods (things) to the customer. As a result, customers
The transaction between the traders ends.

When the customer wishes to settle the account using the account of the second bank, the net bank device 31 requests the head office device 41 of the second bank 40 to transfer the reimbursement amount, as in the first embodiment. Send.

As in the first embodiment, the head office device 41 deposits the reimbursement amount into an account file of the net bank device 31 such as an ordinary deposit or a checking account. The branch device 42
Deducts the billed amount from the second customer account file and deposits it in the head office device 41, as in the first embodiment. The head office device 41 that has received the payment transmits a message (payment notification) to the effect that the settlement is completed to the net bank 31, and ends the transaction.

According to the above-described embodiment, since the settlement is performed using the customer terminal device of the customer, there is no need to hand the card to the clerk unlike the related art, and the information recorded on the card may be stolen. Can be prevented. Also,
Because the customer's account information is encrypted, the merchant system cannot decrypt the customer's account information.

[Fourth Embodiment]

Next, a fourth embodiment of the present invention will be described with reference to FIG. In the present embodiment, the bank system includes only the bank 40. The bank 40 has the same function as the first bank 30 in each of the above embodiments. Physical configuration of customer mobile 10, merchant system 20, bank 40,
The connection form between each element is the same as that of the first embodiment.

The customer purchases a product or the like from a trader, for example, and performs settlement. The trader operates the trader's mobile phone 21 and inputs product information (product name, price, etc.) of the purchased product from the input unit 213. The control unit 215 creates the item purchase details data 2141 in the storage unit 214 based on the input data. Here, the item purchase detail data includes a preset trader code, the amount charged for the customer's purchase, the details of the product purchased by the customer, and the like. When the processes up to this point are completed, the control unit 215 requests the customer to settle the balance on the display of the display unit 212. In response to this, the customer operates his / her own customer's mobile phone 10 and transmits an offer to purchase the goods to the dealer's mobile phone 21. At this time, the control unit 15 of the customer mobile 10 activates the extension function 152 in response to the operation of the operation unit 13, and transmits an offer for the purchase of goods to the dealer mobile 21 via the second communication unit 16.

When the control unit 215 of the trader's portable unit 21 receives the offer for the purchase of the goods via the wireless transmission / reception unit 211, the control unit 215 reads out the purchase details 2141 from the storage unit 214, and the customer's portable telephone 10 via the wireless transmission / reception unit 211. Send to When the control unit 15 of the customer's mobile phone 10 receives the item purchase details via the wireless transmission / reception unit 11, the control unit 15 stores it in the storage unit 14.
(Reference numeral 143).

The control unit 15 of the customer's mobile phone 10 displays the billing amount described in the item purchase details on the display unit 12 and requests the customer to perform an operation to approve the purchase. When accepting the purchase approval operation via the operation unit 13, the control unit 15 activates the outside line function 151 and connects to the net bank device 31, and then stores the electronic certificate (digital ID) 141 from the storage unit 14.
And the goods purchase details 143, and reads out the goods purchase details 14
After the digital signature is given to the third party, the digital signature is transmitted to the head office device 41 of the bank 40 via the wireless transmission / reception unit 11. Communication between the customer mobile phone 10 and the head office device 41 is performed by security communication (encryption) using SSL or the like. Specifically, the head office device 41
Transmits an electronic certificate request (authentication request) to the customer mobile phone 10, and in response to this, the customer mobile phone 10 returns the above-described electronic certificate and electronic signature purchase details data.
At this time, a common key for subsequent encrypted communication is transmitted and received between the head office apparatus 41 and the customer mobile phone 10. The control unit 15 of the customer mobile 10 accepts the input of the correct password from the operation unit 13 to permit the transmission of the electronic certificate.
Further, the control unit 15 of the customer mobile phone 10
A bank code and an account number for payment of a customer registered in advance in the customer mobile phone 10 are added to the extension (extension portion) of the electronic certificate transmitted to the head office apparatus 41 from the customer.
Based on this bank code and account number, the head office device 41
Can know the customer's debit account.

The head office apparatus 41 receives and stores the electronic certificate and the item purchase details transmitted from the customer's mobile phone 10, and searches the corresponding customer account file using the electronic certificate as a key. When the head office apparatus 41 determines that payment is possible by comparing the found balance information of the customer account file and the billing amount data included in the item purchase statement, the head office apparatus 41 converts the customer account file to the store account file by settlement between the head office and the branch. Transfer the billing amount (trading price) to. Then, a message (payment notification) indicating the completion of the settlement is transmitted to the headquarters device 22 of the trader system 20.

The headquarters device 22 that has received the payment notification,
The customer transfers the payment notice to the trader's mobile phone 21 who is trading. When the trader's mobile phone 21 receives the payment notification, the settlement process between the headquarters and the mobile phone ends.

The control unit 215 of the trader's cell phone 21 receives the above-mentioned payment notice and notifies the display unit 2 of the completion of the settlement.
12 is displayed. The trader who confirms this display hands over the customer's purchased goods (things) to the customer. As a result, customers
The transaction between the traders ends.

Here, the head office device 41 of the bank 40 may store and manage the commercial transaction information (things, money, customer data, purchase history data) based on the goods purchase details for each customer. Or, from the customer's mobile phone 10 to the head office device 41
On the other hand, only the total price data of the customer-purchased products may be extracted and transmitted instead of the entire contents of the product purchase details.
Further, the head office device 41 may collect a commission from the trader system 20 according to the transaction volume of trading using the present system.

According to the present embodiment described above, the contractor
Since there is no need to pass through CAFIS or the like for communication between banks, there is no charge for CAFIS or the like, and the bottleneck of a conventional debit card aiming particularly at facilitating small-amount transactions can be solved. Further, by performing data communication between the customer terminal device of the customer and the bank system, it is possible to reduce the conventional communication cost between the store and the bank, and to alleviate the factor of restricting the introduction to the company. Further, since the settlement is performed using the customer terminal device of the customer, there is no need to hand the card to the clerk as in the related art, and it is possible to prevent the information recorded on the card from being stolen.

[Fifth Embodiment]

Next, a fifth embodiment of the present invention will be described with reference to FIG. Customer mobile 10, trader system 20, second
The physical configuration of the bank 40 and the connection form between the elements are as follows:
This is the same as the fourth embodiment.

The customer setstles the transaction in the same manner as in the fourth embodiment, and transmits an offer to pay for the goods from the customer's mobile phone 10 to the dealer's mobile phone 21.

On the other hand, the trader's mobile 21 transmits the item purchase details to the customer's mobile 10 as in the fourth embodiment.

As in the fourth embodiment, the customer's mobile phone 10 transmits an electronic certificate (digital ID) and a digitally signed item purchase statement to the head office device 41 of the second bank 40.

The head office apparatus 41 receives and stores the electronic certificate and the item purchase details transmitted from the customer's mobile phone 10, and searches the corresponding customer account file based on the electronic certificate. When the head office apparatus 41 determines that payment is possible by comparing the found balance information of the customer account file and the billing amount data included in the item purchase statement, the head office apparatus 41 converts the customer account file to the store account file by settlement between the head office and the branch. Transfer the billing amount to. Then, a message (payment notification) to the effect that the settlement has been completed is transmitted to the customer mobile phone 10. The control unit 15 of the customer mobile phone 10 receives the payment notification via the wireless transmission / reception unit 11, displays the content on the display unit 12, activates the extension function 142, and transfers the payment notification to the trader mobile phone 21. .

The control unit 215 of the trader's mobile phone 21 receives the payment notice via the wireless transmission / reception unit 211 and displays the content, that is, the completion of the settlement on the display unit 212. The trader who confirms this display hands over the customer's purchased goods (things) to the customer, and the transaction is completed. Here, in order to prevent falsification of the payment notification, for example, the payment notification may be given an electronic signature of the head office device 41.

After receiving the payment notification, the control unit 15 of the trader's mobile phone 21 sets the external line function 2151 or the internal line function 215
2 and is connected to the headquarters device 22 to transfer the payment notification. Thereby, the settlement process between the headquarters and the mobile phone is also completed.

In this case, the same effect as in the fourth embodiment can be obtained.

[Sixth Embodiment]

Next, a sixth embodiment of the present invention will be described with reference to FIG. The physical configuration of the customer's mobile phone 10, the dealer system 20, and the bank 40, and the connection form between the components are the same as those in the fourth embodiment.

The customer setstles the transaction in the same manner as in the fourth embodiment, and transmits an offer for the purchase of goods from the customer's mobile phone 10 to the dealer's mobile phone 21. When the customer operates the operation unit 13 and issues an offer to pay for the purchase of goods, the control unit 15
Requests the customer to input a password (PIN) via the display unit 12. When the customer operates the operation unit 13 and inputs a predetermined password, the control unit 15 applies an electronic signature to the offer for payment for the purchase of the goods, and sends the electronic certificate together with the electronic certificate.
Send to

[0099] The trader's mobile phone 21 stores the goods purchase statement (total amount of the transaction) stored in the storage unit 214 in the trader's mobile phone 2.
An electronic signature is given using the private key, and the electronic signature is transmitted to the headquarters device 22 together with the electronic certificate of the trader's mobile phone 21. In addition, the electronic certificate of the customer received from the customer's mobile phone 10 and the settlement application with the electronic signature are transmitted to the head office device 22. Headquarters device 2
Reference numeral 2 denotes the electronic certificate of the customer's mobile phone 10 received from the mobile phone 21, the settlement application with the electronic signature of the customer's mobile phone 10, the electronic certificate of the mobile phone 21, and the purchase details of the goods with the electronic signature of the mobile phone 21. To the head office device 41 of the bank 40.

The head office apparatus 41 that has received this authenticates the customer using the public key of the customer's mobile phone 10 and specifies the customer's settlement account based on the electronic certificate of the customer's mobile phone 10. In addition, the head office device 41 authenticates the dealer mobile phone 21 using the public key of the dealer mobile phone 21 and
The transfer account of the trader is specified based on the electronic certificate of the trader. The head office device 41 compares the customer's deposit balance with the total amount of the transaction as in the fourth embodiment, and if it is determined that payment is possible, transfers the total amount of the purchase and sale from the head office account file to the dealer's account file. . And the supplier system 2
Then, a message (payment notification) to the effect that the settlement has been completed is transmitted to the headquarters apparatus 22 of No. 0.

The headquarters device 22 that has received the payment notification,
The customer transfers the payment notice to the trader's mobile phone 21 who is in business. When the trader's mobile phone 21 receives the payment notification,
The settlement process between the headquarters and the store ends.

Upon receiving the above-mentioned payment notice, the control section 215 of the trader's cell phone 21 informs the display section 2 of the completion of the settlement.
12 is displayed. The trader who confirms this display hands over the customer's purchased goods (things) to the customer. As a result, customers
The transaction between the traders ends.

Further, the payment between the head office and the branch is transferred from the customer account file of the branch to the account file of the head office.

According to the present embodiment described above,
Since there is no need to pass through CAFIS or the like for communication between banks, there is no charge for CAFIS or the like, and the bottleneck of a conventional debit card aiming particularly at facilitating small-amount transactions can be solved. Further, since the settlement is performed using the customer terminal device of the customer, there is no need to hand the card to the clerk as in the related art, and it is possible to prevent the information recorded on the card from being stolen. Further, since the customer's account information is encrypted and passed to the trader system, the trader system cannot decrypt the customer's account information.

Here, the present invention is not limited to the embodiment described above. The vendor system can be configured without the headquarters device. The merchant mobile may not have the POS function. In this case, even a small-scale company can easily become a member store (an intermediate information processing center is not required). Communication between the customer's mobile phone 10 and the dealer's mobile phone 21 is not particularly limited to a short distance, but may be a long distance. For example, it is possible to pay the taxi fare by wireless communication with the headquarters of a taxi company while in a taxi car. It is also possible to pay for delivery of home delivery pizza or the like by wireless communication. It is also possible to complete it before delivery. It is also possible to pay for the gas station in the car by wireless telephone communication with a store device. Further, since the trader's mobile phone 21 is incorporated in a mobile phone, the trader's mobile phone 21 may be carried by the trader. For example, a taxi driver or a home delivery pizza delivery person can carry the transaction and settle the transaction anywhere. Further, in each of the above embodiments, the embodiment of the bank settlement system which mainly replaces the debit card has been mainly shown. However, the customer terminal device, the mobile phone of the merchant, the settlement method and the settlement system of the present invention are applied to a settlement system using a credit card or the like. It goes without saying that it is equally effective as a substitute for.

[Modifications of Third and Sixth Embodiments]

Next, a modification of the third or sixth embodiment will be described with reference to FIG. This modification assumes that the merchant system 20 performs data communication directly with the bank system 40 without going through the headquarters device 22.

In this modification, the control unit 215 of the trader's mobile phone 21 stores the item purchase detail data 2141 in the storage unit 214 based on the transaction amount input from the input unit 213, and Item purchase details data 21
41 is read from the storage unit 214 and transmitted to the communication device (customer mobile phone 10) on the consumer side via the transmission / reception unit 211. This transmission is a payment request to the consumer.

In response to the payment request, the control unit 15 of the customer's mobile phone 10 displays the transaction amount received from the trader's mobile phone 21 on the display unit 12 and requests the customer to input “accept”. The input of “accept” is performed with the input of a predetermined password. When “accept” is input together with the correct password from the operation unit 13, the control unit 15 applies an electronic signature using a secret key to the item purchase detail data received from the trader's mobile phone 21,
Return it to trader's mobile 21. At this time, the customer mobile 10
The caller ID as a mobile phone given to the customer mobile phone 10 and the password are transmitted to the dealer mobile phone 21. The private key of the customer mobile phone 10 is stored in the storage unit 14 in advance when the customer mobile phone 10 is credited. The public key corresponding to this secret key is managed by the settlement bank.

The control unit 215 of the carrier mobile phone 21 receives the electronically signed item purchase detail data, the sender number of the customer mobile phone 10, and a predetermined password from the customer mobile phone 10 via the transmission / reception unit 211, and stores them. Stored in the unit 214,
The storage unit 214 also stores the account identification data of the supplier (such as the identification code of the supplier). Then, for the settlement of the transaction, the electronic purchaser's account details data of the customer's mobile phone 10, the sender number of the customer's mobile phone 10, a predetermined password, and the account identification data of the trader (the account identification data of the supplier) are stored. The data is read from the unit 214 and transmitted to the communication device 41 of the settlement bank 40 via the transmission / reception unit 211. At this time, the trader's mobile phone 21 applies an electronic signature to the trader's account identification data with its own private key, transmits the digital signature together with the corresponding digital certificate to the communication device 41 of the settlement bank 40, and performs encrypted communication using SSL or the like. .

The communication device 4 of the bank receiving these information
1 authenticates the customer and identifies the customer's settlement account using the caller number of the customer's mobile phone 10 and a predetermined password, decrypts the electronically signed item purchase statement with a public key managed in advance by the bank, and executes the transaction. Get the total amount. Further, the authentication of the trader 21 and the transfer account of the trader are specified by the electronic certificate and the electronic signature of the trader 21. Then, the settlement is completed by transferring the transaction amount from the customer's settlement account to the trader's transfer account. Then, the communication device 41 of the settlement bank transmits a notice of settlement completion to the trader's mobile 21. This notice is digitally signed with the private key of the settlement bank and a corresponding digital certificate is attached. Here, challenge-response authentication may be used instead of authentication using a caller number and a password.

The control unit 215 of the trader's mobile phone 21 receives the settlement completion notice (payment notice, payment notice) for the transaction from the communication device 41 of the settlement bank 40 via the transmission / reception unit 211, and extracts the public key from the electronic certificate. It is taken out and decoded, stored in the storage unit 214, and the completion of the settlement is displayed on the display unit 212. When the store clerk confirms the completion of the settlement on the display unit 212, the store clerk supplies the goods and the like to the consumer. The contents of the goods purchase details stored in the dealer's mobile phone 21 may be configured to be imported to a POS terminal or the like of a store. in this case,
The POS terminal needs to have a communication unit with the trader's mobile phone 21 in addition to the configuration of a normal POS terminal.

Here, in each of the above embodiments and modifications,
Although the item purchase detail data is distributed, any item that distributes at least the total price data of transactions is included in the scope of the present application.

According to the embodiments and the modifications described above, since the customer terminal and the trader terminal are mobile phones, it is possible to provide a settlement means with high flexibility such as a transaction place. Further, by performing customer authentication and data encryption, highly secure transactions can be performed.

In addition to the telephone, Internet shopping, Internet banking, and the like are also possible with the mobile phone. By adding the present invention, many transactions can be performed by one mobile phone, and the mobile phone user can use the mobile phone. A great deal of convenience.

[0096] In the communication between the trader and the bank, CAFI
Since there is no need to go through S or the like, a fee such as CAFIS is not charged, and the bottleneck of a conventional debit card aiming at facilitation of small-value transactions can be solved.

Further, when data communication is performed between the customer's mobile phone and the bank system, the conventional communication cost between the store and the bank can be reduced, and the factor of suppressing the introduction to the trader can be eased.

[0098] Further, the mobile phone of the trader can also make a direct payment with the bank system, and introduces a POS device to a store, a card reader for a debit card, and centrally manages payment information and the like. It is not always necessary to set up a small store, and it is possible to alleviate the factor of suppressing the introduction into small stores.

Further, if communication can be performed between the customer's mobile phone and the trader system and the bank system, the settlement can be made from any place, so that it can be used for, for example, taxi payment and home delivery pizza payment. . Furthermore, by using the mobile phone for the trader's mobile 21, the trader can also perform settlement without choosing a place, for example, even outside the store. There is no need for expensive payment terminals in stores. Relocation of cash registers in the store can be easily performed, and settlement information in a stall outside the store can be directly taken into the POS in the store.

Further, since the settlement is performed using the customer terminal device of the customer, it is not necessary to hand the card to the clerk as in the prior art, and it is possible to prevent the information recorded on the card from being stolen. That is, it is possible to perform the settlement while protecting the personal information without presenting the personal information to the system of the mobile phone and the store in the commercial transaction at all.

Here, the present invention is not limited to the above embodiment. For example, the total amount of the transaction between the customer and the trader is input to the POS device (POS terminal, POS cash register) as before, and P
The total amount of the transaction is transferred from the POS device to the mobile phone 2 by the extension function or wired communication between the OS device and the mobile phone 21.
1, the total amount of the transaction may be stored in the trader's mobile 21. Further, not only the total amount of the transaction but also the details of the transaction product may be stored in the dealer mobile phone 21 from the POS device and used for subsequent processing. Extension function 15
The second communication units 16 and 216 corresponding to 2, 2152 may be any of an infrared communication unit, a communication unit using radio waves such as bluetooth, a wired connector, and the like. The second communication unit 16,
The external line function and the internal line function may be realized via the wireless transmission / reception units 11 and 211 without providing the 216.

[0102]

The present invention is constructed and functions as described above. According to the present invention, since the trader terminal is a portable communication terminal, it is possible to provide a settlement means with high flexibility such as a transaction place.

[0103] In the communication between the store and the bank, CAFI
Since there is no need to go through S or the like, a fee such as CAFIS is not charged, and the bottleneck of a conventional debit card aiming at facilitation of small-value transactions can be solved.

[0104] Further, the mobile phone of the trader can also make a direct payment with the bank system, and install a POS device at the store, install a card reader for debit card, and install a headquarter device for centrally managing the payment information and the like. This is not always necessary, and it is possible to alleviate the suppression factor of introduction to small stores.

Further, unlike the related art, it is not necessary to hand the card to the clerk, and it is possible to prevent the information recorded on the card from being stolen. In other words, it is possible to provide an unprecedented excellent settlement method in which settlement can be performed while protecting personal information without presenting personal information to the system of the mobile phone and the store at all in commercial transactions.

[Brief description of the drawings]

FIG. 1 is a block diagram illustrating a configuration of a first exemplary embodiment of the present invention.

FIG. 2 is a configuration diagram of the mobile phone shown in FIG. 1;

FIG. 3 is a configuration diagram of the mobile phone shown in FIG. 1;

FIG. 4 is a block diagram showing a configuration of a second embodiment of the present invention.

FIG. 5 is a block diagram showing a configuration of a third embodiment of the present invention.

FIG. 6 is a block diagram showing a configuration of a fourth embodiment of the present invention.

FIG. 7 is a block diagram showing a configuration of a fifth embodiment of the present invention.

FIG. 8 is a block diagram showing a configuration of a sixth embodiment of the present invention.

FIG. 9 is a block diagram showing a modification of the third and sixth embodiments.

[Explanation of symbols]

 REFERENCE SIGNS LIST 10 mobile phone (customer mobile phone) 11 wireless transmitter / receiver of customer mobile phone 12 display section of customer mobile phone 13 operation section of customer mobile phone 14 storage section of customer mobile phone 15 control section of customer mobile phone 16 second communication section of customer mobile phone 20 vendor system 21 Carrier 22 Headquarters device 30 First bank 31 Net bank device 32 Net bank DB 40 Second bank 41 Head office device 42 Branch device 141 Electronic certificate 142 Bank dispatch number 143 Item purchase details 151 External line function 152 Internal line function 211 Wireless transmission / reception section 212 display section 213 for mobile phone of trader input section 214 for mobile phone for mobile phone store 215 storage section for mobile phone for mobile phone 216 control section for mobile phone for mobile phone 216 second communication section for mobile phone of mobile phone

Continued on the front page (72) Inventor Kazuyoshi Imai 3-28-13 Shibuya, Shibuya-ku, Tokyo Shibuya New South Exit Building Future System Consulting Co., Ltd. (72) Inventor Naoki Togashi 3-28 Shibuya, Shibuya-ku, Tokyo -13 Shibuya New South Exit Building Future System Consulting Co., Ltd. (72) Inventor Yasuhiro Takashima 3-28-13 Shibuya Shibuya-ku, Shibuya-ku, Tokyo F-Term in Shibuya New South Exit Building Future Financial Strategy Co., Ltd. (Reference) 5B049 AA05 BB11 BB46 CC05 CC36 DD01 GG01 GG02 GG03 GG10 5B055 BB11 BB12 CB09 EE02 EE03 EE13 EE27 5K067 AA34 AA35 BB04 DD11 EE02 EE10 FF02 FF23 GG01 GG11 HH23 HH24 HH36

Claims (5)

[Claims] 1. A transmitting and receiving unit for performing data communication with a communication device on the side of a consumer, a display unit for information, an input unit for inputting a price of a transaction with the consumer, a storage unit for information, A control unit for controlling the operation, the control unit stores at least the total amount data of the transaction in the storage unit based on the transaction amount input from the input unit, and for settlement of the transaction, A portable communication device on the supplier side, comprising a function of reading total amount data of transactions from the storage unit and transmitting the data to the communication device on the consumer side via the transmission / reception unit. 2. The portable communication device on the supplier side according to claim 1, wherein the transmission / reception unit has a function of performing data communication with a communication device of a settlement bank, and the control unit is configured to perform the data communication via the transmission / reception unit. The digitally signed data is received from the communication device on the consumer side and stored in the storage unit.Also, the account identification data of the supplier is stored in the storage unit. Data, and the account identification data of the supplier is read from the storage unit, and for settlement of the transaction, via the transmitting and receiving unit,
A portable communication device on the supplier side, which has a function of transmitting to the communication device of the settlement bank. 3. The mobile communication device on the supplier side according to claim 2, wherein the control unit receives a settlement completion notification for the transaction from the communication device of the settlement bank via the transmission / reception unit, and stores the notification in the storage unit. The portable communication device on the supplier side, wherein the information is stored and the completion of the settlement is displayed on the display unit. 4. A portable communication device on the supplier side, wherein the portable communication device on the supplier side according to claim 1, 2 or 3 is incorporated in a portable telephone device. 5. The portable communication device according to claim 1, wherein the control unit has a function of importing at least the transaction amount into a data management device such as a POS terminal via the transmission / reception unit.