JP2001297278A - Customer portable device and trader portable device used to clear up transaction - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a flexible clearance system which does not fix a transaction place. SOLUTION: A trader portable device 21 sends at least total amount data on a selling/buying amount to a customer portable device 10 which receives the total amount data and then sends the total amount data, data with a customer's electronic signature, and an electronic certificate stored previously in the customer portable device 10 to a clearance service institution 30. The clearance service institution 30 after performing clearance processing for the customer based upon the electronic certificate and data with the electronic signature performs processing for withdrawing the amount corresponding to the total amount data from the account file of the customer specified by the electronic signature and processing for depositing the amount corresponding to the total amount data to the bank account file of the trader.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a customer portable device and a trader portable device used for settlement of transactions.

[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. (1) In general, it is necessary to introduce a POS device in a store, a card reader for a debit card, and a store device for centrally managing payment information, which has been a factor for suppressing the introduction to a small store. (2) POS devices and card readers for debit cards are not suitable for carrying, and cannot be used for, for example, taxi payment, home delivery pizza payment, and the like. (3) When handing a card to a clerk, there is a risk that information recorded on the card may be stolen.

[0004] The same applies to a credit card.

[0005]

An object of the present invention is to improve the inconveniences of the prior art, to introduce a POS device in a store, to introduce a card reader for a debit card or a credit card, and to install a trader device for centrally managing settlement information. The purpose is to make the terminal of the trader inexpensive and to remove the restraining factor of introduction to the small trader. It is another object of the present invention to reconsider the scale of POS devices and card readers so that they can be used for mobile phones. For example, they can be used for taxi payment, home delivery pizza payment, 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.

[0006]

In order to achieve the above object, according to the first aspect of the present invention, a transmitting / receiving unit for performing data communication with a portable device of a trader and / or a settlement service institution, an information display unit, and a control unit are provided. , An operation unit for inputting data and instructions, a storage unit for storing an electronic certificate, and a control unit for controlling operations of these units. The control unit has a function of outputting a signal requesting the start of the payment process to the trader's portable device via the transmission / reception unit.

According to the second aspect of the present invention, the control unit accepts an input of a password for an electronic signature from the operation unit, generates digitally signed data, and stores the data in the storage unit. In order to perform the settlement process, the digital certificate and the digitally signed data are read from the storage unit, and the electronic certificate and the digitally signed data are transmitted via the transmission / reception unit. .

According to the third aspect of the present invention, the control unit has a function of receiving at least the total amount data of the purchase and sale from the trader's portable device via the transmission / reception unit and storing the data in the storage unit. And a function of transmitting the customer's electronic certificate and digitally signed data and the total price data of the purchase and sale in order to execute the settlement processing of the purchase and sale. Here, the digitally signed data and the total price data need not necessarily be independent data. For example, even if the data obtained by digitally signing the total price data of trading is the above-mentioned digitally signed data. Good.

According to the fourth aspect of the present invention, the control unit receives the notification of payment completion from the settlement service institution via the transmission / reception unit and stores the notification in the storage unit, and causes the trader portable device to perform post-payment processing. And a function of reading a notification of the completion of payment from the storage unit and transferring the notification to the trader's portable device via the transmission / reception unit.

[0010] In the invention according to claim 5, the control section includes:
Via the transmitting and receiving unit, a function of receiving a notification of the completion of payment from the payment service institution and storing it in the storage unit, and in order to cause the trader's mobile device to perform post-payment processing, the storage unit sends the notification of the completion of payment from the storage unit. And a function of transferring the data to the trader portable device via the transmitting / receiving unit.

The invention according to claim 6 employs a configuration in which the transmitting / receiving section is a wireless transmitting / receiving section that performs wireless data communication.

According to the present invention, a transmission / reception unit for performing data communication with the customer portable device, an information display unit, an input unit for inputting a transaction amount exchanged with the customer, an information storage unit, and each of these units And a control unit for controlling the operation of. 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 data to the customer portable device via the Internet. The transmission / reception unit has a function of performing data communication with a communication device of a payment service organization. The control unit receives the digitally signed data from the customer portable device via the transmission / reception unit and stores the data in the storage unit.Also, stores the account identification data of the merchant in the storage unit. Read out the stored data and the account identification data of the trader from the storage unit and, for the settlement of the transaction, have a function of transmitting to the communication device of the settlement service organization via the transmission / reception unit. I have.

In this case, for example, as in the case where the commodity to be transacted is one article, the transaction amount input from the input unit may be equal to the value of the total amount data. 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 to the trader's portable device. The settlement request for the communication device of the settlement service organization may be made from the trader's portable device, or may be made from the customer's portable device.

In the invention according to claim 8, in the portable communication device on the supplier side according to claim 7, the control unit receives a settlement completion notice for the transaction from the communication device of the settlement service organization via the transmission / reception unit. It is stored in a storage unit, and the completion of settlement is displayed on a display unit. For example, the trader confirms the completion of the settlement on the display unit, and then delivers the product or the like to be traded to the customer.

According to the ninth aspect of the present invention, there is provided the seventh or eighth aspect.
A configuration is adopted in which the above described portable device of the trader 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.

The invention according to claim 10 employs a configuration in which the control unit has a function of importing at least the transaction amount into a data management device such as a POS terminal via a transmission / reception unit.

The eleventh aspect of the present invention provides the first to sixth aspects.
In a settlement system comprising the customer portable device described above, the trader portable device according to claims 7 to 10, and a settlement service institution, a method for performing settlement of trading value by computer processing. The merchant portable device transmits at least total amount data of the trading value to the customer portable device. The customer portable device receiving this transmits the total amount data, the data with the customer's electronic signature, and the electronic certificate stored in advance in the customer portable device to the settlement service institution. After receiving this, the settlement service institution performs a customer authentication process based on the digital certificate and the digitally signed data, and then withdraws an amount corresponding to the total amount data from the customer's account file specified by the electronic signature. And a process of depositing the amount corresponding to the total amount data into the account file of the trader.

According to the twelfth aspect of the present invention, there is provided an image processing apparatus comprising:
In a settlement system comprising the customer portable device described above, the trader portable device according to claims 7 to 10, and a settlement service institution, a method for performing settlement of trading value by computer processing. The customer portable device transmits at least an electronic certificate and electronically signed data to a payment service organization. Upon receipt of the request, the trader's portable device transmits at least the customer's digitally signed data and digital certificate, and the total price data of the trading value to the settlement service organization. After receiving the payment, the payment service organization performs a customer authentication process based on the digital certificate and the digitally signed data,
Performing a process of deducting the amount corresponding to the total amount data from the customer's account file corresponding to the electronic certificate and a process of depositing the amount corresponding to the total amount data into the account file of the trader. I am taking it.

According to the thirteenth aspect, item purchase data is used in place of the total amount data. This item purchase detail data includes at least total purchase price data and trade item description data. Then, the settlement service institution adopts a procedure of managing a purchase history for each customer in a database based on the item purchase detail data.

In the invention according to claim 14, the settlement service institution, after completing the processing for depositing the account file of the trader, sends a notice of the completion of the payment directly to the trader portable device or to the customer portable device. The data is transmitted to the trader's mobile device via the mobile phone and used for post-payment processing.

According to a fifteenth aspect of the present invention, a computer is capable of executing a settlement while protecting the personal information without presenting the personal information of the customer to the trader's portable device in a commercial transaction at all. This is a settlement method by processing.

The sixteenth aspect of the present invention relates to the first to sixth aspects.
A settlement system comprising the customer portable device described above, the trader portable device according to claims 7 to 10, and a settlement service institution, and performing settlement of the trading value by computer processing. The trader's portable device transmits at least the total price data of the trading value to the customer's portable device. The customer portable device receiving this transmits the total amount data, the data with the customer's electronic signature, and the electronic certificate stored in advance in the customer portable device to the settlement service institution. After receiving this, the settlement service institution, after the customer authentication process based on the digital certificate and the digitally signed data, debits the amount corresponding to the total amount data from the customer's account file corresponding to the electronic certificate. And a process of depositing the amount corresponding to the total amount data into the account file of the trader.

The seventeenth aspect of the present invention relates to the first to sixth aspects.
A settlement system comprising the customer portable device described above, the trader portable device according to claims 7 to 10, and a settlement service institution, and performing settlement of the trading value by computer processing. The customer portable device transmits at least an electronic certificate and digitally signed data to the trader portable device. Upon receipt of the request, the trader's portable device transmits at least the customer's digitally signed data and digital certificate, and the total price data of the trading value to the settlement service organization. After receiving this, the settlement service institution, after the customer authentication process based on the digital certificate and the digitally signed data, debits the amount corresponding to the total amount data from the customer's account file corresponding to the electronic certificate. And a process of depositing the amount corresponding to the total amount data into the account file of the trader.

[0024] In the invention according to claim 18, item purchase data is used in place of the total amount data. This item purchase detail data includes at least total purchase price data and trade item description data. The settlement service organization manages a purchase history for each customer in a database based on the item purchase detail data.

In the invention described in claim 19, after the completion of the process of depositing the account file of the trader, the settlement service institution sends a notice of the completion of the deposit directly to the trader portable device or to the customer portable device. The data is transmitted to the trader's mobile device via the mobile phone and used for post-payment processing.

Thus, the above-mentioned object is achieved. In addition, the control unit may have a function of receiving the payment amount from the POS cash register and transmitting the payment amount to the customer portable device. In each of the above-mentioned claims, the “storage unit” may be a recording medium that is detachable from the apparatus main body. For example,
A memory card such as a Memory Stick (trademark) or a smart media (trademark) corresponds thereto.

[0027]

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. This payment system includes a mobile phone (customer portable device) 10, a trader system 20, and a payment service organization. In the present embodiment, the settlement service institution includes a first bank 30 and a second bank 40. However, the settlement service institution of the present application is not limited to a bank, and may be a conventional CAFIS or another settlement service institution.

The customer portable device 10 is carried by a customer who uses a trader. In the present embodiment, the customer portable device 1
0 has a communication function with the trader system 20 and a communication function with the bank systems 30 and 40. In the present embodiment, this communication function is a wireless communication function for performing data communication wirelessly.

FIG. 2 is a configuration diagram of the customer portable device 10 in the present embodiment. The customer portable device 10 includes a wireless transmission / reception unit 11 for performing wireless communication with the agent system 20 and the bank systems 30 and 40, and a display unit 12 for displaying information to a customer.
An operation unit 13 in which a customer inputs a command to the control unit 15;
Storage unit 14 for storing data used by control unit 15 for processing
And a control unit 15 for controlling the operation of these units. The wireless transmission / reception unit 11 includes an RF unit, a baseband unit,
It is configured to include elements of a conventional general mobile phone such as a microphone and a speaker.

The storage unit 14 stores an electronic certificate (digital ID) 141 unique to the customer portable device 10 and a bank telephone number 142 for connecting to a bank system via a mobile telephone line (cellular network). Have been. 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 portable device 10, or only a PIN (personal identification number, password) may be obtained at the time of purchase of the customer portable device 10. C
The electronic certificate obtained online from A may be stored in the storage unit 14, or may be stored by another method.

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 trader system 20 includes one or a plurality of portable telephones (trademan portable devices) 21 and a headquarter device 22 for centrally managing data obtained by the one or a plurality of trader portable devices 21. The headquarters device 22 may be a POS device.

FIG. 3 is a configuration diagram of the trader portable device 21. The trader portable device 21 is obtained by adding a new function to an existing portable telephone. That is, the customer portable device 10 of the customer
Transmission / reception unit (transmission / reception unit) 21 for performing wireless data communication with the apparatus
1 and a display unit 21 for displaying a product list and contents of a sales transaction
2, an input unit 213 for inputting trading transaction data and instructions to the control unit 215, a storage unit 214 for storing data used by the control unit 151 for processing, and a control unit 215 for controlling the operations of these units. Have.

The input unit 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 portable device 10. The second communication unit 216 has the extension function 2
152 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 portable device 10 is as follows:
As described above, radio waves or infrared rays may be used, and a communication path may be communicated by an extension function (for example, bluetooth) or may be communicated via a mobile phone line (for example, use of a 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 portable device 10 connects to the network via a mobile phone line, and connects to the first bank 30 via the network.
And the second bank 40.

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 portable device 21 and inputs the product information (product name, price, etc.) of the purchased product from the input unit 213. Alternatively, the product information received and displayed from the POS register or the like via the trader's portable device 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 item purchase detail data includes a preset trader code (supplier account identification data), the amount charged for the customer's purchase, a description of the customer's purchased merchandise, and the like. When the processing so far is completed, the control unit 215 causes the display unit 212
Request the customer to settle the payment. In contrast,
The customer operates his / her own customer portable device 10 and transmits an offer to purchase goods to the dealer portable device 21. At this time, the control unit 15 of the customer portable device 10 activates the extension function 152 in accordance with the operation of the operation unit 13, and transmits an offer for the purchase of goods to the trader portable device 21 via the second communication unit 16. . Here, conversely, it is also possible to transmit the offer for the purchase of the goods from the trader portable device 21 to the customer portable device 10 and start the subsequent settlement processing.

When the control unit 215 of the trader 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 reads the customer purchase details via the wireless transmission / reception unit 211. Apparatus 10
Send to When the control unit 15 of the customer portable device 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 portable device 10 displays the charge amount described in the item purchase details on the display unit 12,
Ask the customer for 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 to connect to the net bank device 31, and then stores the electronic certificate (digital ID) 14 from the storage unit 14.
1 and the goods purchase details 143 are read out, and the goods purchase details 1
43 is given an electronic signature using a secret key,
Is transmitted to the net bank device 31 via the. At this time, it is registered in advance in the customer portable device 10 as necessary,
Alternatively, a bank code and an account number which a customer specially designated by the customer operation unit 13 desires to settle are added. Based on the electronic certificate or the bank code and the account number, the net bank device 31 can know the customer's account. Communication between the customer portable device 10 and the net bank device 31 is performed by security communication (encryption) using SSL or the like. Specifically, an electronic certificate request (authentication request) is issued from the net bank device 31 to the customer portable device 10.
In response to this, the customer portable device 10 returns the electronic certificate and the digitally signed item purchase statement data. At this time, the net bank device 31 and the customer portable device 10
The transmission and reception of the common key for the subsequent encrypted communication is performed between and.
The control unit 15 of the customer portable device 10 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 commodities may be extracted and transmitted from the customer portable device 10 to the head office device 41, instead of the entire contents of the purchase details.

The net bank device 31 confirms the settlement account designated 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 portable device 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 portable device 10. Here, the determination as to whether payment can be made may be made based on whether the balance of the deposit is larger than the billed amount data, or whether the balance is within a predetermined extreme amount such as overdraft. May be determined, 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 portable device 10 transmits the payment notification to the wireless transmitting / receiving unit 11.
And displays the contents on the display unit 12, activates the extension function 142, and transfers the payment notification to the trader portable device 21.

The control unit 215 of the trader's portable device 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 the tampering of the payment notification, for example, the netbank device 3 is added to the payment notification.
One electronic signature or the like may be given.

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

The net bank device 31 accumulates the contents of goods purchases (things, money, customer data) in the net bank DB 32 for each customer based on the goods purchase details received from the customer portable device 10. Here, the net bank device 31 may collect a commission from the trader portable device 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 account desired by the customer to settle is the second customer account in 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 into 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 present embodiment described above, since the trader terminal and the customer terminal are incorporated in the portable telephone, it is possible to provide a settlement means with high flexibility such as a transaction place. Since the communication between the trader and the bank does not necessarily have to go through the CAFIS or the like, the fee of the CAFIS or the like is not charged, and the bottleneck of the conventional debit card particularly aimed at facilitating the small amount transaction can be solved. Further, by performing data communication between the customer portable device 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 introduction to the store. Further, since the settlement is performed using the customer portable device, 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.

[Second Embodiment]

Next, a second embodiment of the present invention will be described with reference to FIG. Customer portable device 10, trader system 20,
The physical configuration of the bank system (the first bank 30 and the second bank 40) as a settlement service institution and the connection form between the components are the same as in the first embodiment.

The customer setstles the transaction in the same manner as in the first embodiment, and sends an offer for the purchase of goods from the customer portable device 10 to the trader portable device 21. As mentioned in the first embodiment, it is also possible to start the settlement process by making an offer for the payment of goods from the trader portable device 21 to the customer portable device 10 (same in the following embodiments).

On the other hand, the trader portable device 21 transmits the item purchase details to the customer portable device 10 as in the first embodiment.

The customer portable device 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 item but only the total amount data of the customer purchased item may be extracted and transmitted from the customer portable device 10 to the head office device 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 device 22 that has received the payment notification transfers the payment notification to the trader portable device 21 with which the customer is trading. When the trader portable device 21 receives the payment notification, the settlement process between the headquarters and the mobile phone ends.

The control unit 215 of the trader's portable device 21 displays the completion of the settlement on the display unit 212 by receiving the above-mentioned payment notice. The trader who confirms this display hands over the customer's purchased goods (things) to the customer. Thereby, the transaction between the customer and the trader ends.

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.

When the customer's designated bank account is located at 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, which is a settlement service institution, does not have a net bank DB. However, a net bank DB32 may be provided as in the first embodiment or the second embodiment. The physical configurations of the customer portable device 10, the agent system 20, and the second bank 40, and the connection form between the 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 for the purchase of goods from the customer portable device 10 to the trader portable device 21. At this time, the control unit 15 of the customer portable device 10 reads out the electronic certificate 141 from the storage unit 14, and uses this electronic certificate 141 together with the electronic signature for the above-mentioned offer for the purchase of goods, together with the electronic signature. Transmit to the device 21. 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

[0066] The trader portable device 21 is
To the head office device 22, the electronically signed item purchase statement data and the electronic certificate, the total price of the product purchased by the customer, and the electronically signed customer account information. The headquarters device 22 transfers the electronic certificate of the customer portable device 10 received from the trader portable device 21, the total price of the customer purchased merchandise, and the account information (all of which have been digitally signed) 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 stores the trader portable device 21
, The payment notice is transferred. Trader portable device 21
However, when the payment notice is received, the settlement process between the headquarters and the mobile phone ends.

The control unit 215 of the trader's portable device 21 displays the completion of the settlement on the display unit 212 by receiving the above-mentioned payment notice. The trader who confirms this display hands over the customer's purchased goods (things) to the customer. Thereby, the transaction between the customer and the trader ends.

When the customer desires 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.

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, as in the first embodiment. 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 present embodiment described above, 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 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 as a settlement service institution is composed of only the bank 40. The bank 40 has the same function as the first bank 30 in each of the above embodiments. The physical configurations of the customer portable device 10, the dealer system 20, and the bank 40, and the form of connection between the components are the same as in the first embodiment.

The customer purchases a product or the like from, for example, a trader and makes a payment. The trader operates the trader portable device 21,
Input unit 213 for inputting the product information (product name, price, etc.) of the purchased product
Enter from. 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 portable device 10 and transmits an offer to pay for the purchase of goods to the dealer portable device 21. At this time, the control unit 15 of the customer portable device 10 activates the extension function 152 in accordance with the operation of the operation unit 13, and transmits an offer for the purchase of goods to the trader portable device 21 via the second communication unit 16. .

When the control unit 215 of the trader portable device 21 receives the offer for the purchase of the goods via the wireless transmission / reception unit 211, the control unit 215 reads the purchase details 2141 from the storage unit 214, and reads the customer purchase details via the wireless transmission / reception unit 211. Apparatus 10
Send to When the control unit 15 of the customer portable device 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 portable device 10 displays the billing amount described in the item purchase details on the display unit 12,
Ask the customer for 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 to connect to the net bank device 31, and then stores the electronic certificate (digital ID) 14 from the storage unit 14.
1 and the goods purchase details 143 are read out, and the goods purchase details 1
After the digital signature is given to 43, the digital signature is transmitted to the head office device 41 of the bank 40 via the wireless transmission / reception unit 11. Customer mobile device 10
Communication between the head office device 41 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 portable device 10, and in response, the customer portable device 10
The electronic certificate and the digitally signed purchase details data are returned. At this time, the head office device 41 and the customer portable device 1
The transmission and reception of a common key for subsequent cryptographic communication is performed with 0. The control unit 15 of the customer portable device 10 accepts the input of the correct password from the operation unit 13 to permit the transmission of the electronic certificate. In addition, the control unit 15 of the customer portable device 10 includes, in an extension (extension unit) of the electronic certificate transmitted from the customer portable device 10 to the head office device 41,
A bank code and an account number for payment of a customer registered in the customer portable device 10 in advance are added. Based on the bank code and the account number, the head office device 41 can know the debit account of the customer.

The head office device 41 receives and stores the electronic certificate and the item purchase details transmitted from the customer portable device 10,
Search the corresponding customer account file using the digital 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 sent to the headquarters device 2 of the trader system 20.
Send to 2.

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

The control unit 215 of the trader portable device 21 displays the completion of the settlement on the display unit 212 by receiving the above-mentioned payment notice. The trader who confirms this display hands over the customer's purchased goods (things) to the customer. Thereby, the transaction between the customer and the trader ends.

Here, the head office apparatus 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. Alternatively, the customer portable device 10 may extract and transmit only the total price data of the merchandise purchased by the customer to the head office device 41, instead of extracting the entire contents of the 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, since the trader terminal is a portable communication terminal, it is possible to provide a settlement means having high flexibility such as a transaction place. Since it is not always necessary to go through CAFIS etc. for communication between the trader and the bank, CAF
No fees such as IS are charged, and the bottleneck of the conventional debit card which aims at facilitating small-value transactions can be eliminated. 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 portable device 10, trader system 20,
The physical configuration of the second bank 40 as a settlement service institution and the connection form between the elements are the same as 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 portable device 10 to the trader portable device 21.

On the other hand, the trader portable device 21 transmits the item purchase details to the customer portable device 10 as in the fourth embodiment.

The customer portable device 10 transmits an electronic certificate (digital ID) and a digitally signed item purchase specification to the head office device 41 of the second bank 40, as in the fourth embodiment.

The head office device 41 receives and stores the electronic certificate and the item purchase details transmitted from the customer portable device 10,
Search the corresponding customer account file based on the digital 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) indicating the completion of the payment is transmitted to the customer portable device 10. The control unit 15 of the customer portable device 10 transmits the payment notification to the wireless transmitting / receiving unit 1
1, the content is displayed on the display unit 12, the extension function 142 is activated, and the payment notification is transferred to the trader portable device 21.

The control unit 215 of the trader's portable device 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 portable device 21 sets the external line function 2151 or the internal line function 2
It connects to the headquarters device 22 via 152 and transfers the payment notification. Thereby, the settlement process between the headquarters and the mobile phone is also completed.

In this case, the same effects 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. Customer portable device 10, trader system 20,
The physical configuration of the bank 40 as a settlement service institution and the connection form between the elements are the same as in 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 purchase of goods from the customer portable device 10 to the trader portable device 21. Operation unit 1 by customer
3 is operated and the offer for the purchase of goods is ordered, and the control unit 15 sends a password (PI) to the customer via the display unit 12.
N). When the customer operates the operation unit 13 and inputs a predetermined password, the control unit 15 applies an electronic signature to the offer to pay for the purchase of the goods, and transmits the offer to the trader portable device 21 together with the electronic certificate.

[0095] The trader portable device 21 performs an electronic signature using the secret key of the trader portable device 21 on the item purchase description (total amount of the transaction) stored in the storage unit 214, and together with the electronic certificate of the trader portable device 21. It is transmitted to the head office device 22. In addition, the electronic certificate of the customer received from the customer portable device 10 and the settlement application with the electronic signature are transmitted to the head office device 22. The headquarters device 22 receives the electronic certificate of the customer portable device 10 received from the trader portable device 21, a settlement application with an electronic signature of the customer portable device 10, an electronic certificate of the trader portable device 21, and an electronic signature of the trader portable device 21. The purchased item purchase details are transferred to the head office device 41 of the bank 40.

[0096] Upon receiving this, the head office device 41 authenticates the customer using the public key of the customer portable device 10 and specifies the settlement account of the customer based on the electronic certificate of the customer portable device 10. The head office device 41 authenticates the trader portable device 21 using the public key of the trader portable device 21, and specifies the transfer account of the trader based on the electronic certificate of the trader portable device 21. The head office device 41 compares the customer's deposit balance with the total amount of the transaction as in the fourth embodiment,
When it is determined that payment is possible, the total amount of the transaction is transferred from the account file of the head office to the account file of the trader. Then, a message (payment notification) to the effect that the settlement is completed is transmitted to the headquarters device 22 of the agent system 20.

The headquarters device 22 that has received the payment notification,
The customer transfers the payment notice to the trader portable device 21 with which the customer is trading. When the trader portable device 21 receives the payment notification, the settlement process between the headquarters and the store ends.

[0098] The control unit 215 of the trader's portable device 21 displays the completion of the settlement on the display unit 212 by receiving the above-mentioned payment notice. The trader who confirms this display hands over the customer's purchased goods (things) to the customer. Thereby, the transaction between the customer and the trader 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 the trader terminal is a portable communication terminal, it is possible to provide a settlement means having high flexibility such as a transaction place. Since it is not always necessary to go through CAFIS etc. for communication between the trader and the bank, CAF
No fees such as IS are charged, and the bottleneck of the conventional debit card which aims at facilitating small-value transactions can be eliminated. 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 portable device need 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 portable device 10 of the customer and the company portable device 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 and 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. In addition, since the trader portable device 21 is incorporated in a mobile phone, the trader may carry the trader portable device 21. 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 company portable device, the settlement method and the settlement system of the present invention are applicable to the settlement by a credit card or the like. It goes without saying that it is equally effective as an alternative to the system.

[Modifications of Third and Sixth Embodiments]

Next, a modification of the third embodiment or the sixth embodiment will be described with reference to FIG. This modification is based on the premise that the merchant system 20 performs data communication directly with the bank system 40, which is a settlement service institution, without going through the head office device 22.

In this modification, the control unit 215 of the trader's portable device 21 stores the item purchase details data 2141 based on the transaction amount input from the input unit 213 into the storage unit 21.
4 and reads out the item purchase details data 2141 from the storage unit 214 to settle the transaction.
To the customer's mobile phone (customer portable device 10). This transmission is a payment request to the customer.

In response to the payment request, the control unit 15 of the customer portable device 10 displays the transaction amount received from the trader portable device 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 specification data received from the trader portable device 21 and sends it back to the trader portable device 21. At this time, the customer portable device 10 transmits the caller number as a mobile phone and the previous password given to the customer portable device 10 to the trader portable device 21. The private key of the customer portable device 10 is stored in the storage unit 14 in advance when the customer portable device 10 is credited. The public key corresponding to this secret key is managed by the settlement bank.

The control unit 215 of the trader portable device 21 receives the digitally signed item purchase detail data, the sender number of the customer portable device 10, and a predetermined password from the customer portable device 10 via the transmission / reception unit 211, These are stored in the storage unit 2
14 and the storage unit 214 stores the account identification data of the supplier (such as the identification code of the supplier). And
In order to settle the transaction, the purchase details data of the electronic signature by the customer portable device 10, the sender number of the customer portable device 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 portable device 21 applies an electronic signature to the trader's account identification data using its own secret key,
The communication device 4 of the settlement bank 40 together with the corresponding digital certificate
1 to perform encrypted communication using SSL or the like.

The communication device 4 of the bank receiving these information
1 authenticates the customer and specifies the customer's payment account using the caller ID of the customer portable device 10 and a predetermined password, decrypts the electronically signed item purchase statement with a public key managed in advance by a bank, and conducts a transaction. Get the total amount of Also,
The authentication of the trader portable device 21 and the transfer account of the trader are specified by the electronic certificate and the electronic signature of the trader portable device 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 settlement completion notification to the trader portable device 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 portable device 21 receives the settlement completion notice (payment notice, deposit notice) for the transaction from the communication device 41 of the settlement bank 40 via the transmission / reception unit 211, and receives the public key from the electronic certificate. 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 trader's portable device 21 are the POS of the store.
You may comprise so that it can be imported into a terminal etc. In this case, the POS terminal is in addition to the configuration of a normal POS terminal,
It is necessary to provide communication means with the trader portable device 21.

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.

[0111] 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 with one mobile phone. A great deal of convenience.

[0112] 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 portable device 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 to the trader.

Further, the trader's portable device can also make a direct payment with the bank system, and the POS to the store can be settled.
Introduction of a device, introduction of a card reader for debit cards, installation of a headquarters device that centrally manages payment information, and the like are not necessarily required, and it is possible to alleviate the factors that suppress introduction to small stores.

Further, if communication can be performed between the customer portable device and the trader system and the bank system, the settlement can be made from any place. Therefore, it can be used for, for example, taxi payment or home delivery pizza payment. it can. Furthermore,
By using the mobile phone for the trader portable device 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. You can easily relocate cash registers in the store,
It is also possible to directly take in the settlement information at the stall outside the store into the POS inside the store.

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. That is, it is possible to execute the settlement while protecting the personal information without presenting the personal information to the system on the side of the trader's portable device and the system of the store in the commercial transaction.

Here, the present invention is not limited to the above embodiment. For example, payment service institutions are not limited to banks,
Any type of institution that provides services related to the settlement of commercial transactions can be used. For example, a CAFIS that provides conventional credit card settlement services, a cooperative system between a credit card company and a bank, and the like are also included. 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 the total amount of the transaction is calculated by the extension function or wired communication between the POS device and the trader portable device 21. , The total amount of the transaction may be accumulated in the trader portable device 21. Further, not only the total amount of the transaction but also the details of the transaction product are stored from the POS device in the trader's portable device 21,
It may be used for subsequent processing. Extension function 152, 21
The second communication units 16 and 216 corresponding to 52 may be any of an infrared communication unit, a communication unit using radio waves such as bluetooth, a wired connector, and the like. Without providing the second communication units 16 and 216, both the external line function and the internal line function may be realized via the wireless transmission / reception units 11 and 211.

[0118]

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.

[0119] Further, the vendor portable device can directly request a payment with a payment service institution, and can introduce a POS device into a store, a card reader for a debit card, and the like.
It is not always necessary to install a headquarters device for centrally managing payment information and the like, and it is possible to alleviate the factor of suppressing introduction to small stores.

Further, unlike the related art, it is not necessary to hand the card to the clerk, and the information recorded on the card can be prevented 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 on the side of the merchant device and the system on the store side 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 trader portable device 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 portable device) 11 wireless transmitter / receiver of customer portable device 12 display unit of customer portable device 13 operation unit of customer portable device 14 storage unit of customer portable device 15 control unit of customer portable device 16th of customer portable device 2 communication unit 20 trader system 21 trader portable device 22 headquarters device 30 first bank (payment service institution) 31 net bank device 32 net bank DB 40 second bank (payment service institution) 41 head office device 42 branch device 141 electronic certification Description 142 Bank telephone number 143 Item purchase details 151 External line function 152 Internal line function 211 Wireless transmission / reception unit of the vendor mobile device 212 Display unit of the vendor mobile device 213 Input unit of the vendor mobile device 214 Storage unit of the vendor mobile device 215 Control of the vendor mobile device Part 216 second communication part of the trader's portable device

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G09C 1/00 660 G09C 1/00 660E H04L 9/32 H04L 9/00 673A (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 Naoki, Shibuya-ku, Tokyo Shibuya New South Entrance Bill Future Financial Strategy In-company (72) Inventor Yasuhiro Takashima 3-28-13, Shibuya, Shibuya-ku, Tokyo F-term (reference) 5B049 AA05 BB11 BB46 CC36 EE00 FF04 GG00 GG03 GG06 GG10 5B055 BB10 BB12 BB16 BB19 CB09 EE02 EE03 EE27 JJ05 5J104 AA09 AA12 JA21 LA 06 NA01 NA02 NA05 PA10

Claims (19)

[Claims] 1. A transmitting / receiving unit for performing data communication with a trader's portable device and / or a settlement service institution, an information display unit, an operation unit for inputting data and instructions to a control unit, and an electronic certificate are stored. A storage unit, and a control unit that controls the operation of each of these units. The control unit has a function of outputting a signal requesting start of payment processing to the trader portable device via the transmission / reception unit. A customer portable device characterized by: 2. The control unit receives an input of a password for an electronic signature from an operation unit, generates digitally signed data, stores the data in a storage unit, and performs a payment process on the trader's portable device or a payment service institution. And a function of reading the digital certificate and the digitally signed data from the storage unit and transmitting the digital certificate and the digitally signed data via the transmission / reception unit. Customer portable device as described. 3. The control unit has a function of receiving at least total purchase and sale price data from the trader's portable device via the transmission / reception unit and storing the data in a storage unit. 3. The customer according to claim 2, further comprising a function of transmitting the customer's electronic certificate and digitally signed data and the total price data of the sale in order to execute the settlement processing of the sale. Portable devices. 4. The control unit receives a notification of payment completion from the payment service institution via the transmission / reception unit and stores the notification in a storage unit, and causes the trader portable device to perform post-payment processing. 2. The customer portable device according to claim 1, further comprising a function of reading out the payment completion notification from the storage unit and transferring the notice to the trader portable device via the transmission / reception unit. 5. The control unit receives a notification of payment completion from the payment service institution via the transmission / reception unit and stores the notification in a storage unit, and causes the trader portable device to perform post-payment processing. 2. The customer portable device according to claim 1, further comprising a function of reading out the payment completion notification from the storage unit and transferring the notice to the trader portable device via the transmission / reception unit. 6. The customer portable device according to claim 1, wherein said transmission / reception unit is a wireless transmission / reception unit for performing data communication wirelessly. 7. A transmission / reception unit for performing data communication with a customer portable device, an information display unit, an input unit for inputting a transaction amount exchanged with the customer, an information storage unit, and controls operations of these units. A control unit, wherein 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, and for the settlement of the transaction, the total amount of the transaction A function of reading data from the storage unit and transmitting the data to the customer portable device via the transmission / reception unit; the transmission / reception unit includes a function of performing data communication with a communication device of a payment service institution; Receiving the digitally signed data from the customer portable device via the transmission / reception unit and storing it in a storage unit, and storing the trader's account identification data in a storage unit, for settlement of the transaction, Electronic It has a function of reading out signed data and account identification data of a trader from a storage unit, and transmitting the data to the communication device of the settlement service organization via the transmission / reception unit for settlement of the transaction. A featured mobile device. 8. The merchant portable device according to claim 7, wherein the control unit receives a settlement completion notification for the transaction from the communication device of the settlement service institution via the transmission / reception unit, and stores the notification in the storage unit. A trader's portable device characterized by displaying the completion of the settlement on the display unit. 9. A commercial portable device in which the commercial portable device according to claim 7 is incorporated in a portable telephone device. 10. The apparatus according to claim 7, wherein the control unit has a function of importing at least the amount of the transaction into a data management device such as a POS terminal via the transmission / reception unit. 11. A method of performing settlement of a trading value by computer processing in a settlement system comprising a customer portable device according to claim 1 to claim 6, a trader portable device according to claim 7 to claim 10, and a settlement service organization. Wherein the trader mobile device transmits at least total price data of the trading value to the customer mobile device, and the customer mobile device that has received this transmits the total price data,
The customer sends the customer's digitally signed data and an electronic certificate stored in advance in the customer's portable device to the payment service institution, and upon receiving this, the payment service institution based on the electronic certificate and the digitally signed data After the customer authentication process, a process of debiting the amount corresponding to the total amount data from the account file of the customer specified by the electronic signature, and a process of depositing the amount corresponding to the total amount data into the account file of the trader. Settlement method characterized by performing. 12. A method for performing settlement of trading value by computer processing in a settlement system comprising a customer portable device according to claim 1 to claim 6, a trader portable device according to claim 7 to claim 10, and a settlement service organization. The customer portable device transmits at least an electronic certificate and electronically signed data to a settlement service institution, and the merchant portable device receiving the electronic certificate and the electronically signed data at least The certificate and the total amount data of the trading value are transmitted to the settlement service institution, and the settlement service institution receiving the certificate and the customer's authentication process based on the digital certificate and the digitally signed data performs the authentication process on the total amount data. Debiting the amount corresponding to the total amount data from the customer's account file corresponding to the digital certificate; And performing a process of depositing the account file. 13. The thing purchase detail data is used in place of the total price data. The thing purchase detail data includes at least total price data of purchase and sale and detail data of traded items. 13. The settlement method according to claim 11, wherein a purchase history for each customer is managed in a database based on the item purchase detail data. 14. The settlement service institution, after completing the processing of depositing the account file of the trader, sends a notice of the completion of the payment directly to the trader portable device or to the trader portable device via the customer portable device. 13. The settlement method according to claim 11, wherein the settlement method is transmitted and provided for post-settlement processing. 15. A settlement method by computer processing, wherein a settlement can be performed while protecting said personal information without presenting the customer's personal information to a trader's portable device in a commercial transaction at all. 16. A settlement system comprising a customer portable device according to claim 1 to claim 6, a trader portable device according to claim 7 to claim 10, and a settlement service institution, wherein the settlement of the transaction price is performed by computer processing. The trader's mobile device transmits at least the total amount data of the trading value to the customer's mobile device, and the customer's mobile device receiving this transmits the total amount data,
The customer sends the customer's digitally signed data and an electronic certificate stored in advance in the customer's portable device to the payment service institution, and upon receiving this, the payment service institution based on the electronic certificate and the digitally signed data After the customer authentication process, a process of withdrawing the amount corresponding to the total amount data from the customer's account file corresponding to the electronic certificate, and a process of depositing the amount corresponding to the total amount data into the trader's account file. Payment system characterized by performing. 17. A settlement system comprising the customer portable device according to claim 1 to claim 6, the trader portable device according to claim 7 to claim 10, and a settlement service institution, wherein the settlement of the trading value is performed by computer processing. The customer portable device transmits at least the electronic certificate and the digitally signed data to the trader portable device, and the trader portable device that has received this transmits at least the customer's digitally signed data and the digital certificate, and the trading value. The total amount data of the total amount data is transmitted to the settlement service institution, and the settlement service institution receiving the total amount data after the authentication process of the customer based on the digital certificate and the digitally signed data sets the amount corresponding to the total amount data to Debit processing from the customer's account file corresponding to the electronic certificate, and depositing the amount corresponding to the total amount data into the company's account file And settlement processing. 18. A thing purchase detail data is used in place of the total price data, wherein the thing purchase detail data includes at least total purchase price data and detail data of a traded item. 18. The settlement system according to claim 16, wherein a purchase history for each customer is managed in a database based on the item purchase detail data. 19. The settlement service institution, after completing the processing of depositing the account file of the trader, sends a notice of the completion of the payment directly to the trader portable device or to the trader portable device via the customer portable device. 18. The settlement system according to claim 16, wherein the settlement system is transmitted and provided for post-settlement processing.