JP2001344544A - Portable terminal and electronic clearing system using the same - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a portable terminal having excellent safety with which a person himself/herself can be confirmed even when the person is using the terminal. SOLUTION: A portable telephone set can perform intercommunication with a settlement processor for performing settlement on the basis of prescribed settlement information and performs electronic settlement by transmitting the prescribed settlement information of the user to the settlement processor at the time of making settlement and has a fingerprint inputting part 2 for fetching the fingerprint characteristics of the using person as fingerprint characteristic data, an IC card 1 where the fingerprint characteristic data of the user himself/ herself are stored, a fingerprint collating part 3 for comparatively collating the fingerprint characteristic data of the using person fetched from the part 2 with the fingerprint characteristic data of the user himself/herself stored in the card 1, and a controlling part 4 for allowing the prescribed settlement information to be transmitted to the settlement processor only when collation results coincide in the part 3.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a portable terminal, such as a portable telephone, which can perform electronic payment. Further, the present invention relates to a system and a method for performing electronic payment using the portable terminal.

[0002]

2. Description of the Related Art A system (on-line payment) for paying for a commodity by a credit card is generally known. In this online payment system, by inserting a purchaser's credit card into an online terminal installed in a store where a credit card can be used, payment information (user ID, credit・ Card number, etc.) is sent to the payment processing device that performs payment. In the payment processing device, the user ID registered in advance and the user ID sent from the online terminal
User authentication is performed by comparing and comparing with the above. Only when the user authentication result is valid, a well-known settlement process based on the credit card number sent from the online terminal is performed, and the receipt message is It is sent to the online terminal. At the online terminal, the receipt message sent from the payment processing device is printed out. The purchaser can receive the product by confirming the print content and signing the signature.

In recent years, various services using the Internet have been provided.
Users have been able to easily access the Internet from terminals that can connect to the Internet, such as personal computers and mobile phones, and easily receive these services. For example, it is possible to search for and browse products on the Internet, and to place an order. In this case, the payment is made by inputting predetermined payment information such as a credit card number on the Internet terminal when ordering the product.

[0004] However, since the electronic payment using the Internet as described above is performed through a network with low security, there is a risk that an unauthorized act such as eavesdropping of data on the network may be performed. . Also, when entering your credit card number,
It is conceivable that the number can be seen. Therefore, in order to counter such fraudulent acts, information necessary for settlement such as a credit card number is encrypted and stored in the IC card. A device for reading information has been proposed. I
Since the information stored in the C card is encrypted by a predetermined encryption program, a malicious third party can
It is considered difficult to obtain information stored in the C card.

FIG. 6 shows an example of an electronic payment system using a mobile phone equipped with an IC card. In FIG. 6, a member shopping site 103a is an information site provided on the Internet 100 by the server 103. The mobile phone 101 has a function of connecting to the Internet, and can browse and order products provided from the affiliated shopping site 103a. An IC card 102 issued by a financial institution such as a credit card company or a bank is mounted on the mobile phone 101. The IC card 102 stores various data required for electronic payment, such as a user ID and a credit card number. Data that needs to be kept secret, such as a user ID and a credit card number, is encrypted by a predetermined encryption program. The settlement processing device 104 is a device in a financial institution that issues an IC card and can transfer money to a designated account or withdraw from a designated account, and performs a known settlement process based on predetermined settlement information.

[0006] In this electronic payment system, first, a user uses a mobile phone 101 to join a member shopping site 1.
03a, and selects and orders a desired product from the products provided by the site. In the mobile phone 101, when an input for ordering is performed, various data (user ID, credit card number, and the like) necessary for electronic payment are extracted from the IC card 102 and sent to the server 103. The server 103 transmits the payment information received from the mobile phone 101 and information such as the price of the purchased product and the transfer destination to the payment processing device 104. The payment processing device 104 performs well-known user authentication and payment processing based on the information received from the server 103. On the Internet 100, confidential information such as a user ID and a credit card number is treated as encrypted data.

[0007]

In the above-described online payment system, a credit card is given to a clerk who is another person when purchasing a product, so that it is not safe for the purchaser.

[0008] In the above-described electronic payment using a mobile phone equipped with an IC card, it is possible to confirm whether the mobile phone is a legitimate terminal.
It is not possible to confirm whether the person using the terminal is the user himself or herself. Therefore, there is a possibility that a person other than the user makes an electronic payment using the mobile phone.

[0009] Further, in electronic commerce (EC) involving the transfer of a large amount of money, it is desired to realize a more secure system, and for that purpose, it is desired to develop a system for performing the above-mentioned identity verification. Was.

[0010] An object of the present invention is to solve the above-mentioned problems and to provide a highly secure portable terminal capable of confirming the identity of a terminal user. Another object is to provide an electronic payment system and an electronic payment method using the portable terminal.

[0011]

In order to achieve the above object, a portable terminal according to the present invention is configured to be able to communicate with a payment processing device for performing payment based on predetermined payment information, and to enable a user to perform payment at the time of payment. In a portable terminal in which electronic payment is performed by sending the predetermined payment information to the payment processing device, a feature fetching unit that captures a feature of a user as feature data, and a collation indicating a feature that can identify the user himself / herself Storage means for storing matching data, matching means for comparing and matching the feature data fetched from the feature fetching means with matching data stored in the storage means, and a matching result in the matching means being identical. Communication control means for permitting transmission of predetermined payment information to the payment processing device only when the payment processing is performed.

[0012] An electronic payment system according to the present invention is an electronic payment system having a payment processing device configured to be able to communicate with the above-mentioned mobile terminal and to be able to make an electronic payment using the mobile terminal. When the amount of the purchased product and its transfer destination are input and an input to perform electronic payment is made, the user is requested to input characteristics for personal identification, and the user is input in response to the request. The user's characteristic data is compared and collated with collation data indicating the characteristic of the user himself stored in advance, and only when the collation results match, the predetermined payment information registered in advance and the The payment amount and the transfer destination are sent to the payment processing device, and the payment processing device receives from the mobile terminal a pre-registered ID number capable of specifying the user of the mobile terminal. The user authentication is performed by comparing and collating with the user ID number included in the predetermined payment information, and only when the user authentication result is valid, based on the amount of the purchased product received from the portable terminal and the transfer destination. Transferring the amount of the purchased merchandise to the transfer destination and transmitting a message indicating receipt of electronic payment to the portable terminal.

An electronic payment system according to the present invention further comprises a server configured to provide predetermined product information to the mobile terminal and receive an order for a product from the mobile terminal; A payment processing device that can be transferred to a designated account in a financial institution that issues an IC card storing collation data indicating the characteristics of the principal,
The portable terminal is provided with the IC card, a desired product is selected from the product information provided from the server, and when an input to perform electronic payment for the selected product is performed, Requesting a feature input for identity verification, comparing the feature data of the user entered in response to the request with the matching data stored in the IC card, and when the matching results match Only, sends the predetermined payment information stored in advance to the server, and the server sends the predetermined payment information received from the mobile terminal, the amount of the selected product and the transfer destination thereof to the payment processing device. The payment processing device sends the ID number that can identify the user of the mobile terminal registered in advance and the user ID number included in the predetermined payment information received from the server. The user authentication is performed by comparing and comparing with the payment method, and only when the user authentication result is valid, the amount of the purchased product is transferred to the transfer destination based on the amount and the transfer destination of the purchased product received from the server. At the same time, a message indicating receipt of electronic payment may be sent to the portable terminal and the server.

An electronic settlement method according to the present invention is an electronic settlement method performed in a system having a portable terminal and a settlement processing device configured to be able to communicate with the portable terminal and to be capable of performing electronic settlement by the portable terminal. The method, wherein the portable terminal requests the user to input a characteristic for personal identification when the amount of the purchased product and the transfer destination thereof are input and an input indicating that electronic payment is to be performed is performed, The user characteristic data input in response to the request is compared with collation data indicating characteristics of the user stored in advance, and only when the collation results match, the predetermined stored data is compared. A first step of transmitting the payment information, the price of the purchased product and the transfer destination thereof to the payment processing device, and the payment processing device The user authentication is performed by comparing and collating the settable ID number with the user ID number included in the predetermined payment information sent from the portable terminal in the first step, and the user authentication result is valid. Only in some cases,
A message indicating the receipt of the electronic payment to the portable terminal, while transferring the amount of the purchased commodity to the transfer destination based on the amount of the purchased commodity and the transfer destination sent from the portable terminal in the first step. And a second step of sending

Further, the electronic settlement method of the present invention provides a portable terminal, a server configured to provide predetermined commodity information to the portable terminal and to receive an order for a commodity from the portable terminal. An electronic settlement method performed in a system having a settlement processing device capable of transferring to a designated account in a financial institution that issues an IC card storing collation data indicating characteristics of the user of the terminal. When the terminal selects a desired product from the product information provided from the server and performs an input indicating that electronic payment is to be performed on the selected product, the terminal inputs a feature input to the user for personal identification. Request and compares the user's characteristic data entered in response to the request with the matching data stored in the IC card, and only when the matching result matches. A first step of transmitting a predetermined payment information previously registered to the server, the server, and a predetermined payment information received from the mobile terminal,
A second step of transmitting the amount of the selected product and the transfer destination thereof to the payment processing device, wherein the payment processing device has a pre-registered ID number capable of specifying the user of the mobile terminal and the second Performing the user authentication by comparing and collating with the user ID number included in the predetermined settlement information sent from the server in the step of, and selecting the selection received from the server only when the user authentication result is valid. A third step of transferring the price of the selected product to the transfer destination based on the price of the product and the transfer destination, and sending a message indicating receipt of electronic payment to the portable terminal and the server. Features.

(Operation) According to the present invention as described above,
Since a credit card is not required unlike the online payment system, there is no problem such as abuse of the credit card.

Further, according to the present invention, it is confirmed whether or not the user is the user of the portable terminal, and the electronic payment by the portable terminal is performed only when the user is the user. A person other than the user cannot make an electronic payment using this portable terminal.

[0018]

Next, embodiments of the present invention will be described with reference to the drawings.

FIG. 1 is a block diagram showing a schematic configuration of a mobile phone according to a first embodiment of the present invention. This mobile phone has a personal authentication function in addition to a normal mobile phone function, a well-known Internet connection function, and an electronic payment function. The main configuration for realizing this personal authentication function includes an IC card 1, a fingerprint input unit 2, a fingerprint collation unit 3, a control unit 4, a transmission / reception unit 5, and a memory 6.

The IC card 1 is a card issued by a financial institution such as a credit card company or a bank and can be mounted on a mobile phone. In addition to fingerprint identification data for personal identification, a user ID and a credit card are provided. Various data necessary for electronic settlement are stored. Among the data stored in the IC card 1, fingerprint characteristic data and credit data
Data that needs to be kept secret, such as a card number, is encrypted by a predetermined encryption program. For example, encryption is performed by using a pseudo-random number generated from a predetermined algorithm as an encryption key and multiplying the pseudo-random number by data that needs to be kept secret. The IC card 1 may be of a non-contact type or a contact type.
However, when a non-contact type is used, it is necessary to mount a reader / writer dedicated to the non-contact type IC card on the mobile phone.

The fingerprint input unit 2 includes a fingerprint sensor, and a user can take in a fingerprint image by bringing the finger into contact with the fingerprint sensor. In the fingerprint input unit 2, fingerprint features are extracted from the fingerprint image captured from the fingerprint sensor, and the extracted fingerprint features are sent to the fingerprint matching unit 3. As the fingerprint sensor, an optical sensor or a capacitance sensor can be used. In the latter case, the sensor unit can be made smaller.

The fingerprint collating unit 3 takes out and decodes the fingerprint characteristic data stored in the IC card 1, and compares and compares the decrypted fingerprint characteristic data with the fingerprint characteristic data input from the fingerprint input unit 2. By this collation, it is confirmed whether the user is the owner of the mobile phone.

The control unit 4 controls transmission and reception of data in the transmission and reception unit 5 and stores received data in the memory 6. Further, the control unit 4 takes out the payment information from the IC card 1 and causes the transmission / reception unit 5 to transmit the payment information when the identity verification in the fingerprint collation unit 3 is valid.

Hereinafter, an electronic settlement procedure using the portable telephone will be specifically described.

FIG. 2 is a diagram showing an example of an electronic payment system using the mobile phone shown in FIG. In FIG. 2, a mobile phone 10 is a mobile phone having the configuration shown in FIG.
03a and the settlement processing device 104 are almost the same as those shown in FIG.

The mobile phone 10 has a function of connecting to the Internet 100, and is used to browse and order products provided from the member shopping site 103a.
Receive service. The mobile phone 10 is equipped with an IC card 1 issued by a credit card company (or bank). As described above, the IC card 1 stores various data required for electronic payment, such as a user ID and a credit card, in addition to the fingerprint characteristic data of the user.

First, the user purchases the IC card 1 from a predetermined financial institution (credit card company or bank) and mounts it on his / her mobile phone 10 (FIG. 2). I
Before purchasing the C card 1, the user signs a contract with the financial institution that issued the IC card to use the IC card 1, and personal data (fingerprint feature data, user ID, Credit card number) (FIG. 2).

After the IC card 1 is mounted on the mobile phone 10, the user browses the product information provided by the member shopping site 103a on the Internet 100 using the mobile phone 10, and performs a predetermined input procedure. A desired product is selected and ordered (in FIG. 2). When an order for selecting a product is made, a request for payment confirmation is sent from the server 103 to the mobile phone 10 (see FIG. 2). In the mobile phone 10 that has received the payment confirmation request, confirmation as to whether the user is the user is performed as follows.

First, a message requesting fingerprint input is displayed on the screen. When the user presses a predetermined finger against the fingerprint sensor of the fingerprint input unit 2 in response to this request, a fingerprint image is captured from the fingerprint sensor, and the fingerprint features are extracted from the captured fingerprint image. This fingerprint feature is sent to the fingerprint matching unit 3.

Upon receiving the fingerprint feature of the user from the fingerprint input unit 2, the fingerprint matching unit 3 first extracts fingerprint feature data for matching from the IC card 1 and decodes it. Then, the decrypted fingerprint feature data is compared with the fingerprint feature of the user received from the fingerprint input unit 2 (FIG. 2).

When the comparison and collation results in the fingerprint collation unit 3 match, the control unit 4 determines that the user is the identity and determines from the IC card 1 that the data necessary for electronic payment (user ID, credit card, etc.) ) Is taken out and sent to the server 103 (FIG. 2). If the comparison and collation results do not match, it is determined that the user is another person and the electronic payment is interrupted.

When the server 103 receives the payment information (user ID, credit card, etc.) from the mobile phone 10, the server 103 determines the amount of the ordered product and the payment destination along with the payment information via the Internet 100. Send to

Upon receiving the payment information, the amount of the ordered product, and the transfer destination from the server 103, the payment processing device 104
If the user ID number of the user of the mobile terminal 10 registered in advance is compared with the user ID number included in the payment information received from the server 103 and the user is authenticated, the user authentication is performed. Only, based on the amount of the purchased merchandise received from the server 103 and the transfer destination, the amount of the purchased merchandise is transferred to the transfer destination, and a message indicating the receipt of the electronic settlement is transmitted to the server 103 and the mobile terminal 1. (Of FIG. 2).

In the above-described electronic settlement, the server 1
03 may store the type and price of the product selected by the mobile phone 10 in association with information that can identify the user of the mobile phone 10. As a result, it is possible to create a database on products purchased by the user in the past, and to provide the user's favorite product information based on the database at the next use.

(Second Embodiment) In the portable telephone of the first embodiment described above, identity verification is performed by fingerprint collation, but the present invention is not limited to this configuration. Any data may be used as long as the identity can be confirmed. For example, collation using biometric features other than fingerprints such as an iris and a voiceprint, collation using an imprint, collation using a signature can be used. Here, as an example, a description is given of a mobile phone that performs identity verification by imprint verification.

FIG. 3 is a block diagram showing a schematic configuration of a mobile phone according to a second embodiment of the present invention. In this mobile phone, personal identification is performed using a seal imprint of a seal instead of fingerprint collation, and a seal imprint input unit 2a and a seal imprint collation unit 3a are provided instead of the fingerprint input unit 2 and the fingerprint collation unit 3. Except for this, the mobile phone has substantially the same configuration as the mobile phone of the above-described first embodiment. The same components as those shown in FIG. 1 are denoted by the same reference numerals, and detailed description thereof will be omitted.

In the present embodiment, the user registers the seal imprint data of his own seal at the time of contract for using the IC card 1. The registered imprint data is stored in the IC card 1. The seal input unit 2a can capture the seal image of the seal by imprinting the seal on the sensor unit. As the sensor unit of the imprint input unit 2a, for example, an optical sensor or a capacitance sensor can be used as in the fingerprint sensor of the fingerprint input unit 2 shown in FIG. Imprint collation unit 3a
Compares the imprint data taken out from the IC card 1 with the imprint data taken in from the imprint input unit 2a. By this comparison, it is possible to confirm whether or not the user of the mobile phone is the owner.

The procedure for electronic settlement using the mobile phone of the present embodiment is performed in substantially the same procedure as the procedure shown in FIG. However, it is different from the first embodiment in that the identity verification in FIG. 2 is performed by comparing and comparing the seal imprints. The procedure will be briefly described below.

When the electronic payment confirmation is sent from the server 103 to the mobile phone 10, the mobile phone 10 first displays a message requesting an imprint input on the screen.
In response to this request, when the user stamps the seal on the sensor unit of the seal input unit 2a, the seal image is captured from the sensor unit, and the seal image data is sent to the seal matching unit 3a. The imprint collation unit 3a performs comparison and collation between the imprint image data sent from the imprint input unit 2a and the imprint image data for collation extracted from the IC card 1.

When the comparison and collation results in the seal imprint collation unit 3a match, the control unit 4 determines that the user is the identity and determines from the IC card 1 that data necessary for electronic settlement (user ID, credit card, etc.) ) Is taken out and sent to the server 103. If the comparison and collation results do not match, it is determined that another person is present and the electronic payment is interrupted.

(Third Embodiment) As can be seen from the first and second embodiments described above, various types of data matching such as fingerprint matching, imprint matching, and signature matching can be applied to identity verification. It is desirable to combine those data collations in order to confirm the identity more reliably. For example, by performing personal identification by a combination of fingerprint collation and imprint collation or signature collation, personal identification can be performed more reliably. Here, a description will be given of a case where signature verification is added to fingerprint verification.

FIG. 4 is a block diagram showing a schematic configuration of a mobile phone according to a third embodiment of the present invention. In this mobile phone, a signature input unit 7 is newly provided in the configuration of the mobile phone shown in FIG. In addition, the signature data is stored in the IC card 1 together with the fingerprint feature data at the time of the usage contract. The signature data is data that needs to be kept secret, like the fingerprint data, and is thus encrypted by a predetermined encryption program. The signature input unit 7 includes a pointing device such as a mouse or a pen-type input device, and a user can write a desired signature on a screen using the device. Collation unit 8
Indicates the fingerprint feature data input from the fingerprint input unit 2 and the IC
The comparison and comparison with the fingerprint characteristic data extracted from the card 1 and the comparison and comparison between the signature data input from the signature input unit 7 and the signature data extracted from the IC card 1 are performed. By these comparisons, it is possible to confirm whether the user of the mobile phone is the owner.

The procedure of the electronic settlement using the portable telephone of this embodiment is performed in substantially the same procedure as the procedure shown in FIG. However, it is different from the first embodiment in that the identity verification in FIG. 2 is performed by comparing and comparing two data of a fingerprint and a signature. The procedure will be briefly described below.

When the electronic payment confirmation is sent from the server 103 to the mobile phone 10, the mobile phone 10 first displays a message requesting the input of a fingerprint and a signature on the screen. In response to this request, the user inputs his / her fingerprint and signature from the fingerprint input unit 2 and the signature input unit 7, respectively. Sent out.
The matching unit 8 compares and compares the fingerprint feature data sent from the fingerprint input unit 2 with the fingerprint feature data extracted from the IC card 1, and compares the signature data sent from the signature input unit 7 with the IC card 1. Is compared with the signature data extracted from.

When all the comparison and collation results in the collation unit 8 match, the control unit 4 determines that the user is the identity and determines from the IC card 1 that data necessary for electronic settlement (user ID and credit card Etc.) and send it to the server 103. If any one of the comparison and collation results does not match, it is determined to be another person and the electronic payment is interrupted.

In the first to third embodiments described above, the fingerprint input unit 2, the imprint input unit 2a, and the signature input unit 7 are all provided in the main body of the mobile phone. It is also possible to adopt a form provided separately and connected by a communication cable if necessary.

Further, without using an IC card, data for verification such as fingerprint characteristic data and data necessary for electronic payment may be transmitted from the payment processing device 104 to the mobile phone 10 via the Internet 100. . In that case, the transmission data is encrypted by a predetermined encryption program. In the mobile phone 10, the control unit 4 stores the verification data (encrypted data) and the electronic payment data (encrypted data) received from the payment processing device 104 in the memory 6.
And decodes and decodes the stored data as necessary, and sends the decoded data to the collating unit.

Further, the payment information is stored in the IC card 1, but the payment information may be stored in a memory built in the mobile phone in advance.
In this case, if the identity verification is valid, the control unit reads the payment information from the memory and transmits the payment information from the transmission / reception unit.

Further, in each embodiment, as a specific example of the electronic payment, the electronic payment when ordering a product using the Internet has been described. You can also purchase products and make payments for them. As an example, FIG. 5 shows an electronic payment system applied to a conventional online payment system using a credit card.

This electronic payment system includes the mobile phone 10 having the configuration shown in FIG. 1, a payment processing device 104, and a member store terminal 105. Mobile phone 10 and payment processing device 104 having the configuration, payment processing device 104 and member store terminal 10
5 can communicate with each other, and the payment processing device 104 and the member store terminal 105 constitute a well-known online payment system.

In this system, a purchaser carrying the mobile phone 10 goes directly to an affiliated point, purchases a desired product, and performs settlement using the mobile phone 10. less than,
The settlement procedure will be briefly described.

When the purchaser inputs the price of the purchased product and the payment destination on the mobile phone 10 and inputs that electronic payment is to be made, the mobile phone 10 confirms the identity of the user with the user. Request for fingerprint input. When the user inputs his / her fingerprint in response to this request, the mobile phone 1
0 performs comparison and collation of the input fingerprint characteristic data of the user with the fingerprint characteristic data of the user himself / herself stored in the IC card 1 and stores the data in the IC card 1 only when the collation results match. The predetermined payment information, the price of the purchased commodity previously input, and the transfer destination thereof are transmitted to the payment processing device 104. If the collation results in a mismatch, the mobile phone 10 suspends the electronic payment.

The payment processing device 104 that has received the predetermined payment information, the price of the purchased product and the transfer destination from the mobile phone 10, and the ID number of the user of the mobile phone 10 registered in advance and the predetermined reception received from the mobile phone 10. The user authentication is performed by comparing and comparing with the user ID number included in the payment information, and only when the user authentication result is valid, based on the price of the purchased product received from the mobile phone 10 and the transfer destination, The amount of the purchased product is transferred to the transfer destination. At the same time, the settlement processing device 104 connects the mobile phone 10 and the member store terminal 105 (the mobile phone 10
A message indicating the receipt of the electronic settlement.

The purchaser can receive the merchandise by presenting the receipt message of the electronic settlement sent to the mobile phone 10 to the store person. At this time, the mobile phone 10
The electronic payment receipt message sent to the member store terminal 10 may be compared with the electronic payment receipt message sent to the member store terminal 10.

In the above description, the portable terminal of the present invention has been described by taking the portable telephone 10 as an example. However, the present invention is not limited to this, as long as communication with the terminal at which settlement is made is possible. It can be applied to any mobile terminal. For example, the present invention is applicable to a portable notebook personal computer (personal computer).

[0056]

As described above, according to the present invention,
Since a person other than the user cannot make an electronic payment using the portable terminal, a more secure electronic payment can be provided.

[Brief description of the drawings]

FIG. 1 is a block diagram illustrating a schematic configuration of a mobile phone according to a first embodiment of the present invention.

FIG. 2 is a block diagram showing an example of an electronic payment system using the mobile phone shown in FIG.

FIG. 3 is a block diagram illustrating a schematic configuration of a mobile phone according to a second embodiment of the present invention.

FIG. 4 is a block diagram illustrating a schematic configuration of a mobile phone according to a third embodiment of the present invention.

FIG. 5 is a block diagram showing another example of an electronic payment system using the mobile phone shown in FIG.

FIG. 6 shows an example of an electronic payment system using a mobile phone equipped with an IC card.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 IC card 2 Fingerprint input part 2a Imprint input part 3 Fingerprint collation part 3a Imprint collation part 4 Control part 5 Transmission / reception part 6 Memory 7 Signature input part 8 Collation part 10 Mobile phone 100 Internet 103 Server 103a Member shopping site 104 Payment processing device 105 Merchant terminal

Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat II (reference) G06F 17/60 506 G06F 17/60 506 510 510 G09C 1/00 660 G09C 1/00 660B H04L 9/32 H04L 9/00 673D 673E 673A F term (reference) 5B049 AA05 BB46 CC39 DD04 EE09 EE10 GG02 GG03 GG06 5B055 BB12 CB09 HB02 HB06 KK05 5J104 AA07 KA00 KA01 KA16 KA17 MA01 NA01 NA35 NA38 PA02 PA10

Claims (15)

[Claims] The present invention is configured to enable mutual communication with a payment processing device for performing payment based on predetermined payment information, and to transmit electronic payment by transmitting the predetermined payment information of a user to the payment processing device during payment. In the portable terminal to be performed, a feature fetching unit that captures a feature of a user as feature data, a storage unit that stores collation data indicating a feature that can identify the user himself, A matching unit for comparing and matching the characteristic data with the matching data stored in the storage unit, and only when the matching result in the matching unit matches,
And a communication control means for permitting transmission of predetermined payment information to the payment processing device. 2. The portable terminal according to claim 1, wherein said storage means is a contact type IC card or a non-contact type IC card. 3. The mobile terminal according to claim 1, wherein the feature capturing unit is provided integrally with the mobile terminal. 4. The mobile terminal according to claim 1, wherein the feature capturing unit is configured to be connected to the mobile terminal via a connection cable. 5. The apparatus according to claim 1, wherein the collation data and the user characteristic data are biometric characteristic data.
Mobile terminal described in. 6. The mobile terminal according to claim 5, wherein the biometric feature data is fingerprint feature data. 7. The method according to claim 1, wherein the collation data and the user characteristic data are imprint image data.
Mobile terminal described in. 8. The mobile terminal according to claim 1, wherein the verification data and the user characteristic data are signature data. 9. The mobile phone according to claim 1, wherein the collation data and the user's feature data are a combination of at least two of biometric feature data, imprint image data, and signature data. Terminal. 10. An electronic payment system comprising a payment processing device configured to be able to communicate with the mobile terminal according to claim 1 and configured to enable electronic payment by said mobile terminal. The mobile terminal, when the price of the purchased product and its transfer destination are input, and when an input to perform electronic payment is performed, the mobile terminal requests the user to input a characteristic for personal identification, and The user's characteristic data input in accordance with the comparison data is compared and collated with collation data indicating the characteristic of the user himself / herself stored in advance, and only when the collation results match, predetermined payment information registered in advance. And the amount of the purchased product and the transfer destination thereof are sent to the payment processing device, and the payment processing device receives from the mobile terminal a pre-registered ID number capable of specifying the user of the mobile terminal. The user authentication is performed by comparing and comparing with the user ID number included in the predetermined payment information taken, and only when the user authentication result is valid, the amount of the purchased product received from the portable terminal and the transfer destination An electronic payment system that transfers the amount of the purchased product to the transfer destination and sends a message indicating the receipt of the electronic payment to the portable terminal based on the information. 11. A server configured to provide predetermined product information to the mobile terminal according to any one of claims 1 to 9 and receive an order for a product from the mobile terminal. A payment processing device that can be transferred to a designated account at a financial institution that issues an IC card storing collation data indicating characteristics of the user of the terminal; and the mobile terminal is equipped with the IC card. When a desired product is selected from the product information provided from the server and an input is made to perform electronic payment for the selected product, the user is requested to input a feature for confirming the identity. Comparing and comparing the user's characteristic data input in response to the request with the matching data stored in the IC card, and only when the matching result matches, the predetermined stored predetermined The payment server sends predetermined payment information received from the mobile terminal, the price of the selected product and a transfer destination thereof to the payment processing device, and the payment processing device The registered user ID of the portable terminal is compared with the user ID number included in the predetermined payment information received from the server to perform user authentication. Only in the case of legitimacy, based on the amount of the purchased product received from the server and the transfer destination, transfer the amount of the purchased product to the transfer destination, and indicate the receipt of the electronic payment to the mobile terminal and the server. An electronic payment system for transmitting a message. 12. The server according to claim 11, wherein the server accumulates a type and a price of a product selected by the mobile terminal in association with information that can specify a user of the mobile terminal. Electronic payment system. 13. An electronic payment method performed in a system including a mobile terminal and a payment processing device configured to be able to communicate with the mobile terminal and configured to enable electronic payment by the mobile terminal, When the mobile terminal inputs the price of the purchased product and the transfer destination thereof and inputs that electronic payment is to be performed, the mobile terminal requests the user to input characteristics for personal identification, and inputs the characteristics according to the request. The matched user characteristic data and the previously stored matching data indicating the characteristics of the user are compared and collated, and only when the collation results match, the predetermined payment information stored in advance and the purchase A first step of sending the price of the product and its transfer destination to the payment processing device; and an ID number that allows the payment processing device to identify a user of the mobile terminal registered in advance. In the first step, the user authentication is performed by comparing and collating with the user ID number included in the predetermined payment information sent from the mobile terminal, and only when the user authentication result is valid, the second In step 1, based on the amount of the purchased product sent from the portable terminal and the transfer destination, the amount of the purchased product is transferred to the transfer destination, and a message indicating the receipt of the electronic settlement is transmitted to the portable terminal. A second step of performing electronic payment. 14. A mobile terminal, a server configured to provide predetermined product information to the mobile terminal and receive an order for a product from the mobile terminal, and show characteristics of a user of the mobile terminal. An electronic settlement method performed in a system having a settlement processing device capable of transferring to a designated account in a financial institution that issues an IC card storing collation data, wherein the portable terminal is provided from the server. When a desired product is selected from the product information that has been input and an input indicating that electronic payment is to be performed for the selected product is performed, the user is requested to input characteristics for personal identification, and in response to the request, The entered user characteristic data is compared and collated with collation data stored in the IC card, and only when the collation results match, a predetermined registered A first step of transmitting payment information to the server; and a second step of transmitting, by the server, predetermined payment information received from the mobile terminal, an amount of the selected product, and a transfer destination thereof to the payment processing device. Step, wherein the payment processing apparatus has a pre-registered ID number capable of specifying the user of the mobile terminal and a user ID included in the predetermined payment information sent from the server in the second step Performs user authentication by comparing and comparing the number with the number, and only when the user authentication result is valid, based on the amount of the selected product received from the server and the transfer destination, transfers the amount of the selected product to the transfer destination. And sending a message indicating receipt of the electronic payment to the portable terminal and the server. Law. 15. The method according to claim 15, further comprising the step of storing the type and the amount of the product selected by the mobile terminal in association with information capable of specifying a user of the mobile terminal. 15. The electronic payment method according to 14.