JP2002032686A - Settlement method using portable terminal - Google Patents

Settlement method using portable terminal

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Publication number
JP2002032686A
JP2002032686A JP2000217136A JP2000217136A JP2002032686A JP 2002032686 A JP2002032686 A JP 2002032686A JP 2000217136 A JP2000217136 A JP 2000217136A JP 2000217136 A JP2000217136 A JP 2000217136A JP 2002032686 A JP2002032686 A JP 2002032686A
Authority
JP
Japan
Prior art keywords
account
settlement
server
user
payment
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
JP2000217136A
Other languages
Japanese (ja)
Inventor
Masaaki Toyoda
将哲 豊田
Original Assignee
Sharp Corp
シャープ株式会社
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Sharp Corp, シャープ株式会社 filed Critical Sharp Corp
Priority to JP2000217136A priority Critical patent/JP2002032686A/en
Publication of JP2002032686A publication Critical patent/JP2002032686A/en
Pending legal-status Critical Current

Links

Abstract

(57) [Summary] [Problem] In the conventional settlement method of performing cashless settlement based on account balance and purchase price, there is a troublesome aspect in shifting from balance inquiry to settlement application while ensuring security. . SOLUTION: The present invention displays a selection screen for selecting a balance inquiry and a payment application on a display unit of the mobile terminal only when it is determined that a password or a password input from the mobile terminal is correct. However, when the balance inquiry is selected from the selection screen, it is possible to thereafter shift to the settlement application without inputting a password or the like, so that the security inquiry is easily transferred from the balance inquiry to the settlement application. Things.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement method using a portable terminal that provides a cashless settlement service using a portable terminal such as a portable telephone, a PHS, and a portable personal information processing terminal. .

[0002]

2. Description of the Related Art For example, Japanese Patent Laying-Open No. 8-194773 discloses a settlement system in which a wireless telephone terminal such as a portable telephone is combined with an IC card. In the settlement system described in the above publication, the wireless telephone terminal is provided in the store, and the IC card is usually carried by the user and handed to the salesperson at the time of settlement. IC cards include IC
A password for using the card, information on the user's transaction financial institution, and the like are stored in advance, and the information stored in the IC card is used in the payment processing. When performing the settlement process, the user first selects a financial institution stored in the IC card. afterwards,
The password is entered in the IC card, and after the password is confirmed to be correct, the IC card is handed to the salesperson.
The salesperson connects the IC card to the wireless telephone terminal provided in the store, and inputs the purchase price and the like from the keyboard. Next, based on the financial institution code in the memory card selected by the user and the purchase amount entered by the salesperson, to request the financial institution to withdraw money,
The dispensing telegram is created by the wireless telephone terminal. The withdrawal message includes the code of the financial institution, the branch code, the account code, the account number, the purchase price, and the like. The financial institution center that has received the withdrawal message from the wireless telephone terminal determines the account balance. After confirming and updating, it is determined whether withdrawal is possible. If the new balance is negative, it is determined that settlement is not possible, and the new balance and a message are displayed on the display unit of the wireless telephone terminal. If it is determined that settlement is possible, payment processing is performed on the designated account of the financial institution dealing with the store, and the purchase price, new balance, and the like are transmitted to the wireless telephone terminal. When it is confirmed that the payment has been made, the IC
The card is removed, and the IC card, receipt, and purchased product are handed to the user.

[0003]

As in the settlement system described in the above publication, whether or not to make normal settlement is determined based on the account balance and the purchase price at that time. However, the user does not always accurately know the account balance at that time. If you forget that your account balance has decreased due to automatic debit, etc., the user himself may think that payment is possible, but it may actually be impossible to make payment. is there.
Of course, it is only necessary to check the account balance in advance when making a payment, but if the user himself believes that the account balance is sufficient, he or she may not feel the necessity of it. Sometimes it is troublesome to check the balance. A system for inquiring the account balance using a mobile phone has also been put to practical use. It is much easier than going to a bank to check your account balance. However, in order to ensure security, it is still necessary to enter a password and a password when checking the balance. It is inevitable from a security point of view that it is necessary to enter a password and a password when making a balance inquiry, but it is also necessary to enter a password and perform other processing to ensure security when making a payment. Considering this, if the settlement process is performed after the balance inquiry has been completed, a feeling of inconvenience remains. However, it is impossible to neglect the security of each. The present invention has been made in view of such problems in the conventional technology, and ensures sufficient security in performing balance inquiry and settlement, and then easily proceeds to settlement processing after performing balance inquiry. It is an object of the present invention to provide a settlement method using a portable terminal capable of performing the settlement.

[0004]

SUMMARY OF THE INVENTION In order to achieve the above object, the present invention provides a method in which an account balance of an account of a financial institution used for settlement specified by a user using a portable terminal is provided in a store. A settlement method using a portable terminal, wherein a server of a certificate authority connected to the server of the financial institution and the store terminal determines whether or not to authenticate settlement based on the purchase price acquired by the shop terminal. Wherein the same correspondence between the identification information for identifying the user and the password for confirming the identity of the user registered in the portable terminal is the same as that of the portable terminal of the user. Only when it is obtained from the input content to the mobile terminal, the account designation information for designating the account is displayed on the portable terminal, and the designated finance designated by the user according to the account designation information displayed on the portable terminal. A password input screen for prompting the user to input a predetermined password between the designated financial institution and the user for the designated account of Seki is displayed on the portable terminal. Only when the same code as the password is obtained from the contents input to the portable terminal, a balance inquiry item for inquiring the account balance of the designated account and authentication of settlement using the designated account A selection screen including at least a payment request item for requesting the certificate authority as a selection item on the portable terminal;
When the balance inquiry item is selected in accordance with the selection screen, the account balance of the designated account among the account balances of the respective accounts that can be referred to by the server of the certificate authority, which is updated each time the account balance is changed, is referred to. Requesting transmission to the server of the certificate authority, displaying the account balance of the designated account received from the server of the certificate authority on the mobile terminal, and ending the processing or specifying the selection screen according to the user's specification. When the balance inquiry item is selected by the user according to the selection screen and displayed on the portable terminal, the server of the financial institution is updated every time a change in the account balance is detected by the server of the financial institution. Requests transmission of the account balance of the designated account from the account balances of each account that can be referred to the server of the certification authority, and the account of the designated account received from the server of the certification authority. After displaying the balance on the portable terminal, the user is requested to input whether or not to authenticate the payment using the designated account, and the payment request item may be selected by the user according to the selection screen. Including,
After the selection screen is displayed, if authentication of settlement using the designated account is requested by a user, the identification information, And transmitting designated account identification information for identifying the designated account to the store terminal, and using the store terminal, the identification information used by the server of the certificate authority to determine whether or not to authenticate the payment; It is configured as a settlement method using a portable terminal that transmits the account identification information and the purchase price to the server of the certificate authority.

In the settlement method using the portable terminal according to the present invention, the account balance of the account of the financial institution used for the settlement designated by the user using the portable terminal and the account balance obtained by the store terminal provided in the store are provided. Based on the purchase price, the server of the certificate authority connected to the server of the financial institution and the terminal for the store determines whether or not the authentication of the payment is possible. It is required that the same correspondence as the correspondence with the password for confirming the identity of the user be obtained from the input contents of the user to the portable terminal. Usually, the user inputs a predetermined password. If the input password is correct, account designation information for designating an account to be used for the settlement is displayed on the portable terminal. Next, for a designated account of a designated financial institution designated by the user according to the account designation information displayed on the portable terminal, input of a predetermined password between the designated financial institution and the user is performed. A password input screen prompting the user is displayed on the portable terminal. Next, only when the password input by the user on the password input screen is correct, a balance inquiry item for querying the account balance of the designated account and settlement using the designated account. A selection screen including at least a payment request item for requesting the certification authority to perform the authentication of the certificate authority is displayed on the portable terminal. That is,
At this stage, the balance inquiry and the settlement request can be selected. Before reaching this selection screen, it is necessary to input a password and a password, and security is sufficiently ensured. When the balance inquiry item is selected in accordance with the selection screen, transmission of the account balance of the designated account is requested to the certificate authority server, and the account balance of the designated account received from the certificate authority server is Displayed on mobile terminal. Since the account balance of each account that can be referred to by the server of the certificate authority is updated each time a change is detected by the server of the financial institution, the account balance of the designated account is also updated. Then, after displaying the account balance of the designated account, the user is requested to input whether or not to authenticate the settlement using the designated account. After the selection screen is displayed, including the case where the payment request item is selected by the user in accordance with the selection screen, when the user is required to authenticate the payment using the designated account, The terminal transmits the identification information and the designated account identification information for identifying the designated account to the store terminal. Then, the identification information, the designated account identification information, and the purchase price, which are used by the store terminal for the server of the certificate authority to determine whether or not to authenticate the payment, are transmitted from the store terminal to the server of the certificate authority. As described above, in the settlement method using the mobile terminal according to the present invention, the inquiry of the account balance of the account used for the settlement and the selection of the settlement request can be performed only after the password and the password are inputted. Since high security can be ensured for balance inquiry and settlement, and after both options can be selected, it is possible to easily shift from account balance inquiry to settlement request. Is eliminated. In addition, since the inquiry of the account balance and the settlement request can be selected and the settlement request is made, it is determined whether or not the authentication of the settlement is possible.
Regarding settlement, triple security can be ensured.

In the settlement method using the portable terminal,
For example, in accordance with a request from the mobile terminal, a product list in which the products handled by each store and their prices are registered in advance in the server of the certificate authority and classified by region where the store is located is transmitted to the mobile terminal. The product list received from the server may be displayed on the mobile terminal. In this case, the user can easily obtain, for example, information on whether or not there is a store handling the desired product nearby from the portable terminal. In the payment method using the mobile terminal, a list of payment details including a store name, a purchase date, a quantity, and a purchase price relating to the payment that can be referred to by the server of the certificate authority is stored in accordance with a request from the mobile terminal. The list of the payment details transmitted to the mobile terminal and received from the server of the certificate authority may be displayed or stored on the mobile terminal. In this case, it is possible to create a household account book using the list of payment details, and to use the list of payment details for accounting. Also,
As described above, even if the inquiry from the account balance can be easily shifted to the settlement request and the trouble of performing the balance inquiry immediately before the settlement is eliminated, even if the settlement is not authenticated, , There remains a feeling that the processing and time required for the settlement request have been wasted for the user. This is even more so if the payment request processing for another account has to be redone when there is a sufficient balance. Furthermore, if there is a person waiting for a payment at a store, the waiting time of the person will be increased as a result. In that case, the incentive to pay using a mobile terminal may be impaired. Therefore, in the settlement method using the mobile terminal, for example, when the settlement using the designated account is not authenticated by the server of the certification authority, the user identified by the identification information can use the settlement information. The account authority's account balance is checked by the certificate authority server, and if the result of the check indicates that there is another account that can authenticate the payment, the other account that can authenticate the payment is designated. A list of the alternative account designation information to be transmitted from the server of the certificate authority to the portable terminal via the store terminal, and the list of the alternative account designation information received from the server of the certification authority is sent to the portable terminal. When the other account is designated by the user according to the list of the substitute account designation information, a predetermined password is established between the financial institution having the other account and the user. The portable terminal displays an alternative account password input screen for prompting the user to enter a password, and inputs the alternative account password to the specified other account from the content input to the mobile terminal by the user on the alternative account password input screen. When the same code as the personal identification code is obtained, substitute account identification information for identifying the specified other account is transmitted from the portable terminal to the server of the certificate authority through the store terminal,
The server of the certificate authority authenticates the payment for the specified other account identified from the substitute account identification information. In addition to the account whose payment has not been authenticated, if there is an account that the user can use for payment and if there is an account that can authenticate the payment among other accounts, other It encourages users to use their accounts for payment. If the password of the other account that can authenticate the payment is correctly input to the portable terminal, the authentication of the payment is performed by the server of the certificate authority for the other account. As a result, even if the settlement is not authenticated for the designated account, it is not necessary to restart the settlement request process if settlement can be authenticated for another account. By making it possible to flexibly and easily change the designation of an account to be used for settlement, it is possible to suppress incentives for settlement using a portable terminal from being damaged.

However, even if the above-mentioned settlement method is adopted, if the user cannot authenticate the settlement for all accounts available for settlement, the settlement is not authenticated. Therefore, in the settlement method using the portable terminal, when the settlement using the designated account is not authenticated by the server of the certification authority, another user available for settlement by the user identified by the identification information can be used. The server of the certificate authority checks the account balance of the account, and if the result of the check makes up for the shortfall by adding the account balances of one or more accounts, it is used to make up for the shortfall. A list of supplementary account designation information for designating an account or a combination thereof is transmitted from the server of the certification authority to the portable terminal via the terminal for a store, and the supplementary account designation information received from the server of the certification authority Is displayed on the portable terminal, and according to the list of the supplementary account designation information,
If the user specifies the account to be used to make up the shortfall, or a combination thereof, the user must enter a predetermined password between the financial institution and the user who has the account to make up the shortage. A prompt for supplementary account password input is displayed on the portable terminal, and a password for the account used to perform the shortage is input from the content input to the portable terminal by the user on the supplementary account password input screen. If the same code is obtained, the account used to make up the shortage, or complementary account identification information for identifying the combination thereof, is transmitted from the portable terminal via the store terminal to the certification authority. The server of the certification authority authenticates the settlement of the designated account and the account used to make up the shortage identified from the supplementary account identification information, or the combination thereof, by the designated account and the supplementary account identification information. . Even if the user cannot authenticate the settlement for all accounts available for settlement alone, if the balance of the account balance of the designated account can be compensated for by the account balance of another account, make up the shortfall It encourages you to use another account to gain access. If the password of the other account to make up the shortage is correctly input to the portable terminal, the server of the certificate authority authenticates the payment of the designated account and the other account to make up the shortage. As a result, the designation of the account to be used for the payment can be changed flexibly and easily, and the incentive for the payment using the portable terminal can be prevented from being damaged.

In the settlement method using the portable terminal,
For example, a bank is used as the financial institution. in this case,
The account balance of the account is the deposit balance of the bank account. Also, a credit company can be used for the financial institution. In this case, the account balance of the account is the usage limit balance for the credit company. In using the credit company for the financial institution, for example, when the settlement request item is selected according to the selection screen, before the account identification information is transmitted to the store terminal device, installment payment, revolving payment, and lump sum payment are performed. A payment method selection screen for selecting one of the payment methods is displayed on the portable terminal, and after the user selects the payment method in accordance with the display of the payment method selection screen, the identification information and the account Transmitting designation information and payment method identification information for identifying the payment method to the store terminal via wireless communication between the mobile terminal and the store terminal; If the identification information, the account designation information, the payment method identification information, and the purchase price are transmitted to the server of , Installment, revolving, it is possible to select three of the payment method of lump-sum payment,
The convenience of the settlement method using the portable terminal can be further improved. In the settlement method using the portable terminal, communication between the portable terminal and the shop terminal is performed by wire or wirelessly. The wireless communication employs, for example, infrared communication or communication using radio waves. Further, in the settlement method using the portable terminal, when the store terminal acquires the usage status of the image forming apparatus and transmits the purchase price calculated from the usage status to the server of the certificate authority, For example, settlement when using a digital copying machine, a multifunction peripheral, a facsimile, or the like installed in a convenience store or the like can be easily performed without cash.

[0009]

Embodiments of the present invention will be described below with reference to the accompanying drawings to provide an understanding of the present invention.
The following embodiment is a specific example of the present invention and does not limit the technical scope of the present invention. FIG. 1 is a diagram showing a schematic configuration of a payment system used to execute a payment method using a mobile terminal according to an embodiment of the present invention and a communication procedure thereof. As shown in FIG. 1, in a settlement system using a portable terminal according to an embodiment of the present invention, a server of a certification authority (hereinafter, referred to as a certification authority server) 1 and a cash register terminal of a store (corresponding to a store terminal) 2 And a settlement server (an example of a financial institution server) 3 of a bank are connected by a communication network.
The mobile terminal 4 used by the user is the certificate authority server 1
Is communicated with the cashier terminal 2 of the store. The mobile terminal 4
For example, a mobile phone, PHS, PDA or the like can be used. These portable terminals have a processor, a flash ROM (or other rewritable storage media), an LCD, a communication means such as a modem, input keys, and the like. Browser), a mail client, and other communication software. The certificate authority server 1 and the bank settlement server 3 are computers or a group of computers that have a communication function and operate a database server that manages a database in which information of each customer is registered. The certificate authority server 1 has an HTT in preparation for communicating with the portable terminal 4 via the Internet or the like.
Various Internet servers such as a P server and a mail server may be included. The portable terminal 4 and the cashier terminal 2 of the store are, for example, IrDA (infrared communication)
Alternatively, communication is performed by wireless communication using radio waves. Hereinafter, the communication procedure of the payment system (corresponding to the payment method of the present invention) will be described in detail. The mobile terminal 4
In using the settlement service using the service, the user makes an application in advance for the settlement service to the certificate authority. In this example of using a bank account for payment,
When applying for membership, specify the bank to use and the account number at that bank. The certification authority issues an ID number (corresponding to identification information) for identifying a user to a user determined to be qualified as a result of various examinations. The issued ID number is notified to the user (S101), and is stored in the database of the certificate authority server 1 in association with the bank designated by the user and the account number in the bank.

The user sets a password for the notified ID number, and stores the password in the flash ROM of the portable terminal 4 together with the bank designated by the user, the account number in the bank, the ID number, and the like. . When using the settlement service using the portable terminal, the portable terminal 4 requires the input of the ID number and the password. Further, the certificate authority server 1 notifies the settlement server 3 of the bank having the account designated by the user of the ID number together with the account number designated by the user (S102). The ID number is stored in a database that the settlement server 3 of the bank can refer to. This database contains
Account numbers, account holders, personal identification numbers, account balances, and the like are stored, and the ID numbers are stored in association with these. Further, the certificate authority server 1 requests the settlement server 3 of the bank to update the balance by designating the account number. The settlement server 3 of the bank receives a request for updating the balance from the certificate authority server 1 (S10).
3), the account balance corresponding to the designated account number is read out, and when a request for updating the balance is made for a certain account for the first time, the account balance together with the ID number, password, etc. corresponding to the account is stored in the certificate authority. The data is transmitted to the server 1 (S104). The password and the balance of the account are stored in the database of the certificate authority server 1 in association with the ID number and the account number. After this balance update request, each time the user's account balance is changed, the settlement server 3 of the bank sends the certificate authority server 1
, The account number, the ID number, and the account balance are transmitted, and the database of the certificate authority server 1 is updated. The account balance stored in the database of the certificate authority server 1 is always kept up to date. For example, before settingtle a commodity to be purchased at a store, the user specifies an account to be used for payment in advance. The ID
When the user inputs a number and a password, the portable terminal 4 determines whether or not the correspondence is correct. When the portable terminal 4 determines that the correspondence is correct, for example, a payment account selection menu as shown in FIG. D1 is displayed on the display unit of the portable terminal 4.

When there are a plurality of accounts that the user can use for settlement (accounts for which the user has applied for membership), these are displayed in a selectable manner. In the case of this example, of the two bank accounts displayed in the payment account selection menu D1,
Either “XX Bank XX Branch” or “XX Bank XX Branch” will be selected. In the case where the same branch has a plurality of accounts, a menu listing a plurality of accounts in the branch is further displayed. Information such as a bank name, a branch name, and an account number displayed for designating an account is a specific example of the account designation information in the present invention. The displayed account selection operation is performed using, for example, a cursor key, an enter key, and the like provided on the portable terminal 4. If the user moves the pointer (arrow of payment account selection menu D1) to any branch or account using the cursor keys and presses the enter key or the like, the account is determined to have been designated by the user. . When the user specifies a bank (corresponding to a designated financial institution) and an account (corresponding to a designated account) to be used for settlement, the user inputs a password (an example of a password) used for the designated account. A password input screen (an example of a password input screen) D2 as shown in FIG. 2 is displayed on the display unit of the portable terminal 4 as shown in FIG. When a password for a designated account designated by a user is input from the portable terminal 4, the ID number, account number of the designated account, a password, and the like are transmitted from the portable terminal 4 to the certificate authority server 1. At this time, the communication between the portable terminal 4 and the certificate authority server 1 may be directly performed by wireless communication or the like, but may be performed via the cashier terminal 2 of the store. The certificate authority server 1 determines whether the correspondence between the ID number, the account number of the designated account, and the password is correct.
When it is determined to be correct, a selection menu (an example of a selection screen) D3 as shown in FIG. 2 is displayed on the display unit of the portable terminal 4. The user uses this selection menu D3 to select a balance inquiry item for inquiring the account balance of the designated account designated by the user and a settlement application item (corresponding to the settlement request item) for requesting authentication of settlement. You can select any item from the included selection items.

When the cursor balance of the portable terminal 4 is used to move the cursor to the balance inquiry item on the selection menu D3 and an operation such as pressing an enter key is performed, and the inquiry of the account balance is selected, The mobile terminal 4 communicates with the certificate authority server 1. The portable terminal 4 sends an account balance inquiry request including the ID number and the account number of the designated account to the certificate authority server 1. In the certificate authority server 1, of the account balances stored in the database, the one corresponding to the input ID number and account number is read and transmitted to the portable terminal 4. The account balance received by the mobile terminal 4 is displayed on a display unit of the mobile terminal 4. An example of the screen displayed at this time is the balance inquiry screen D4 in FIG. On the balance inquiry screen D4, a button object B1 for returning to the selection menu D3 and a button object B2 for ending the processing are displayed in addition to the account balance. After the button object B1 is activated by the cursor key of the portable terminal 4, if an operation such as pressing an enter key is performed, a display screen returns to the selection menu D3, and after a balance inquiry, a settlement application is easily performed. Can be migrated to. Before purchasing a product, the user may not clearly remember the balance in his or her account. However, after checking the balance, the user can easily move on to the payment application. No hassle. Moreover, prior to the balance inquiry, double security is ensured by a password and a password. After the balance inquiry is performed or directly in the selection menu D3
When the user performs an operation of selecting a payment application item, the mobile terminal 4 communicates with the cashier terminal 2 of the store. In this case, the communication method selection menu D in FIG.
A screen like 5 is displayed on the display unit of the portable terminal 4,
The user is prompted to designate an interface, such as IrDA, wireless (radio wave), or a reader, used for communication between the portable terminal 4 and the cashier terminal 2 of the store. When an interface used for communication between the mobile terminal 4 and the cashier terminal 2 of the store is designated according to the communication method selection menu D5, the mobile terminal 4 and the cashier terminal 2 of the store are designated using the specified interface. A communication path is established during the communication.

When a communication path is established between the portable terminal 4 and the cashier terminal 2 of the store, the ID number and identification information of the designated account are sent from the portable terminal 4 to the cashier terminal 2 of the store. Authentication request information including the information required for identifying the designated account, such as a bank number, branch number, account number, etc., and corresponding to the designated account designation information in the present invention, is transmitted. (S105).
At the cashier terminal 2 of the store, the price of a product that the user wants to purchase is input, and the input price of the product and the authentication request information are sent to the certificate authority server 1 at the cashier terminal 2 of the store. (S106). The certificate authority server 1 determines whether or not to authenticate the user's purchase using the price of the product and the authentication request information. The account balance of the designated account is read from the database of the certificate authority server 1 and compared with the price of the product. If the account balance of the designated account after paying for the product is within the contractually allowable range, for example, the account balance of the designated account exceeds the price of the product, the user may not be able to purchase the product. Authentication is performed. If the account balance of the account after paying for the product is not within the contractually allowable range, the user is not authenticated to purchase the product. Even if the above authentication is performed,
Even if the authentication is not performed, the result is transmitted from the certificate authority server 1 to the cashier terminal 2 of the store (S107) and displayed on the display unit of the cashier terminal 2 of the store. When it is confirmed by the display of the cashier terminal 2 of the store that the authentication has been performed, the product is handed to the user, and the procedure for the user to settle the product is completed. Thereafter, the store requests the certificate authority for the purchase details and the price. In response to this request, a payment is made from the certificate authority to the store. Further, the certificate authority requests the designated bank designated by the user to withdraw money from the designated account designated by the user. When the money is withdrawn from the designated account, the account balance of the account changes.

In the settlement server 3 of the bank, the ID
When the account balance of the numbered account changes, the changed account balance is read, and the changed account balance is transmitted from the settlement server 3 of the bank to the certificate authority server 1. Thereby, the account balance of the user stored in the database of the certificate authority server 1 is updated. As described above, in the settlement method using the mobile terminal according to the embodiment of the present invention, the inquiry of the account balance of the account used for the settlement and the selection of the settlement request are made after the password and the password are inputted after the input of the password and the password. Because it becomes possible for the first time, high security can be ensured for balance inquiry and settlement. After both options can be selected, it is possible to easily shift from account balance inquiry to settlement request. The trouble of performing the balance inquiry immediately before the execution is eliminated. In addition, it is possible to select between the inquiry of the account balance and the settlement request, and after the settlement request is made, it is determined whether the settlement is authorized or not. Can be. Further, in the certificate authority server 1, the result of the payment processing as described above is obtained.
Purchase details such as the name of the store where the user purchases the product, the date of purchase, the item, the number, and the purchase price are stored in the database corresponding to the ID number. For example, the selection menu D3
Is provided with an item for making an inquiry about a purchase statement. By specifying this purchase statement inquiry item, the user sends a purchase statement inquiry request from the portable terminal 4 to the certificate authority server 1. Can be done. In response to this request, the certificate authority server 1 sends the portable terminal 4
Then, the list of purchase details (corresponding to the list of payment details) is transmitted (S108). The received list of purchase details is displayed on the display unit of the portable terminal 4 or stored in a flash ROM of the portable terminal 4 or the like. The list of purchase details is very useful information for the user to manage his own capital. For example, the portable terminal 4
It is also possible to transfer the list of purchase details from a flash ROM or the like to a personal computer, create a household account book using household account book software, or use the list of purchase details for accounting. Further, from the purchase details of each user, the total number of products sold at each store can be obtained. Also, the merchandise handled and its price are transmitted from the cashier terminal 2 of the store to the certificate authority server 1 (S109) and stored in the database of the certificate authority server 1. From such information, it is possible to generate a product list in which the handled products and prices are classified based on the number of sales, the area where the store is located, and the price. If there is a request from the portable terminal 4, the product list is transmitted (S
110). In this case, the user, for example, determines whether or not there is a store nearby that sells the desired product, which store is selling the desired product at the lowest price,
Information such as which product is popular at a nearby store can be easily obtained from the portable terminal.

[0015]

DESCRIPTION OF THE PREFERRED EMBODIMENTS In the above-described embodiment, the settlement is performed using the account in the bank. However, the present invention is not limited to this. For example, the settlement can be performed using a credit company such as a credit company. . FIG. 2 is a diagram showing a schematic configuration and a communication procedure of a payment system using a mobile terminal according to an embodiment of the present invention which uses a credit company for payment. Instead of the settlement server 3 of the bank in the settlement system according to the embodiment, a settlement server 3 'of a credit company is connected to the certificate authority server 1. Basically, it is the same as the settlement method according to the above embodiment, but there are some differences. Therefore, the communication procedure of the settlement system (a modification of the settlement method in the present invention) will be described below. When a credit company is used for settlement, the user applies in advance to the credit company for membership in a settlement service. The credit company that has received the application from the user requests the certificate authority to issue an ID number. Upon receiving the request, the certification authority performs various examinations, and the certification authority server 1 issues an ID number to the user who is determined to be qualified as a result of the examination. The issued ID number is notified to the user (S101 '), and is stored in the database of the certificate authority server 1 in association with the requested credit company and card number. The said I notified
For the D number, the user sets a password,
The information is stored in the flash ROM of the portable terminal 4 together with the credit company, the card number, the ID number, and the like. When using the payment service using the mobile terminal, the mobile terminal 4 uses the ID number,
And a password is required. Further, the certificate authority server 1 notifies the settlement server 3 'of the requested credit company of the ID number together with the card number and the like (S102'). The ID number is stored in a database to which the settlement server 3 'of the credit company can refer. This database contains
A card number, a contractor name, a usage balance, and the like are stored, and the ID number is stored in association with these. Further, the certificate authority server 1 requests the settlement server 3 'of the credit company to update the usage balance by designating a card number or the like. Upon receiving a request for updating the usage balance from the certificate authority server 1, the settlement server 3 'of the credit company reads the usage balance corresponding to the designated card number and transmits the same to the certificate authority server 1 (S104'). . After this balance update request, the settlement server 3 'of the credit company transmits the card number, the ID number, and the use balance to the certificate authority server 1 each time the use balance of the user changes, and The database of the station server 1 is updated. The usage balance stored in the database of the certificate authority server 1 is always kept up to date. For example, before settingtle a commodity to be purchased at a store, the user specifies an account to be used for payment in advance. When the ID number and the password are entered, the portable terminal 4 determines whether or not the correspondence is correct. When the portable terminal 4 determines that the correspondence is correct, for example, a payment account as shown in FIG. A selection menu D1 'is displayed on the display unit of the portable terminal 4.

If there are a plurality of accounts that the user can use for settlement (accounts for which the user has applied for membership), these are displayed in a selectable manner. In the case of this example, of the two credit companies displayed in the payment account selection menu D1 ', either "credit company A" or "credit company B" is selected. When the credit company to be used for settlement is designated by the user, a password input screen D2 'as shown in FIG. 4 prompting the credit company to input the password used by the user is displayed on the portable terminal 4. It is displayed on the display. When the personal identification number for the credit company specified by the user is input from the portable terminal 4, the ID number, the account number of the designated account, the personal identification number, etc. are transmitted from the portable terminal 4 to the certificate authority server 1. At this time, the communication between the portable terminal 4 and the certificate authority server 1 may be directly performed by wireless communication or the like, but may be performed via the cashier terminal 2 of the store. The certificate authority server 1
Then, based on the information registered in advance, it is determined whether or not the correspondence between the ID number, the credit company, the card number, and the personal identification number is correct, and if the certificate authority server 1 determines that the correspondence is correct. For example, a selection menu (an example of a selection screen) D3 'as shown in FIG. 4 is displayed on the display unit of the portable terminal 4. The user selects this menu D
Using 3 ', select one of the following items: a balance inquiry item for inquiring the balance of use of the credit company designated by the user, and a settlement application item for requesting authentication of settlement. obtain. When the balance inquiry item is selected according to the selection menu D3 ', the portable terminal 4 communicates with the certificate authority server 1. The mobile terminal 4 sends a usage balance inquiry request including the ID number, the card number, and the like to the certificate authority server 1. In the certificate authority server 1, of the usage balance stored in the database, the one corresponding to the input ID number and card number is read and transmitted to the portable terminal 4. The usage balance received by the mobile terminal 4 is displayed on the display unit of the mobile terminal 4. An example of the screen displayed at this time is the balance inquiry screen D in FIG.
4 '. On the balance inquiry screen D4 ', a button object B1' for returning to the selection menu D3 'and a button object B2' for ending the processing are displayed in addition to the used balance. After the button object B1 'is activated by the cursor key of the portable terminal 4, if an operation such as pressing an enter key is performed, a display screen returns to the selection menu D3', and after the balance inquiry, the display screen is simply displayed. You can move on to settlement application.

After the balance inquiry is performed, or when the user directly performs an operation of selecting a payment application item in the selection menu D3 ', the portable terminal 4
It communicates with the cashier terminal 2 of the store. In this case, installment repayment,
A payment method selection menu (corresponding to the payment method selection screen) that prompts you to select a payment method such as revolving repayment or lump-sum repayment
6 'is displayed on the display unit of the portable terminal 4. When an operation such as pressing a decision key with the pointer on one of the payment methods using the cursor keys of the mobile terminal 4 is performed, the payment method is determined by the mobile terminal 4 according to the content of the operation. Thereafter, a screen such as a communication method selection menu D5 'in FIG. 4 is displayed on the display unit of the portable terminal 4, and communication between the portable terminal 4 and the cashier terminal 2 of the store, such as IrDA, radio (radio wave), and a reader, is performed. You will be prompted to specify the interface to use. When an interface used for communication between the portable terminal 4 and the cashier terminal 2 of the store is designated according to the communication method selection menu D5 ', the portable terminal 4 and the cashier terminal 2 of the store are designated using the designated interface. And a communication path is established. When a communication path is established between the mobile terminal 4 and the cashier terminal 2 of the store, the ID number and the identification information of the designated account (credit company) are sent from the mobile terminal 4 to the cashier terminal 2 of the store. Authentication request information including a name, a card number, a personal identification number, and payment method identification information for identifying the selected payment method is transmitted (S105 '). At the cashier terminal 2 of the store, the price of a product that the user wants to purchase is input, and the input price of the product and the authentication request information are sent to the certificate authority server 1 at the cashier terminal 2 of the store. (S106 '). The certificate authority server 1 determines whether or not to authenticate the user's purchase using the price of the product and the authentication request information. The usage balance is read from the database of the certificate authority server 1 and compared with the price of the product and the payment considering the payment method. For example, if the usage balance after paying the payment is within the contractually permitted range, such as when the usage balance exceeds the payment, the user is authenticated to purchase the product. In the case of a credit company, settlement of a certain amount (floor limit) or more may require approval of settlement. In that case, the certification authority makes a settlement approval application to the credit company.
Perform authentication after the credit company approves the settlement. Regardless of whether the authentication is performed or the authentication is not performed, the result is transmitted from the certificate authority server 1 to the cashier terminal 2 of the store (S10).
7 '), displayed on the display unit of the cashier terminal 2 of the store. When it is confirmed by the display of the cashier terminal 2 of the store that the authentication has been performed, the product is handed to the user, and the procedure for the user to settle the product is completed. Thereafter, the store requests the certificate authority for the purchase details and the price. This request is notified to the credit company, and the credit company pays the price to the store. Further, the credit company requests the bank to withdraw the price, and the bank withdraws the price from the user's account. Further, in the settlement server 3 'of the credit company, when the usage balance of the account assigned with the ID number changes, the usage balance after the change is read out, and the payment server 3 of the credit company sends the certificate authority server 1 The usage balance after the change is transmitted. As a result, the user's usage balance stored in the database of the certificate authority server 1 is updated. In the settlement method using the mobile terminal according to this embodiment,
It is possible to select three payment methods: installment payment, revolving payment, and lump-sum payment, and the convenience of the service can be further improved.

Further, in the above embodiment, the user is prompted to input a password for the bank account before displaying the selection menu D3. However, this is not limited to the password used for the cash card. The user may be prompted to input another predetermined PIN number between the bank and the user, or a PIN code which is a combination of numbers and alphabets. Of course, the number of digits of the personal identification code is not limited to four, and the security may be further improved by increasing the number of digits. In the above embodiment,
Although wireless communication is used for communication between the portable terminal 4 and the cashier terminal 2 of the store, wired communication may be used instead. Further, in the embodiment, the balance inquiry screen D4 returns to the selection menu D3 and shifts from the balance inquiry to the settlement application. However, the present invention is not limited to this, and the balance inquiry screen D4 directly displays the settlement application. You may comprise so that it may transfer. Further, in the above-described embodiment, whether the password is correct is determined by the portable terminal 4, but may be determined by the certificate authority server 1. Also, whether the password is correct or not is determined by the certificate authority server 1. At the stage of the password input screen D2, the determination is performed by the portable terminal 4 in which the password is stored in advance. When making a payment application, the personal identification number input on the personal identification number input screen D2 is transmitted to the certification authority server 1 together with other information, and the certification authority server 1 further checks whether the personal identification number is correct. May be determined. In this case, if the password received by the certificate authority server 1 is not correct, the authentication is not performed. Further, the settlement method using the portable terminal according to the present invention can be used for settlement of goods as in the above-described embodiment, but the manner is various. For example, when using digital copiers, multifunction machines, facsimile machines, etc. installed in convenience stores, etc., it is necessary to put money into a coin billing machine so that these devices can operate, or use a key counter to count the number of copies. Counting and payment were made at a cash register. The present invention can be applied to settlement in the case of using such a digital copying machine, a multifunction peripheral, and a facsimile. For example, the cashier terminal of the store causes the store terminal to acquire the usage status of the image forming apparatus such as a digital copier, a multifunction peripheral, a facsimile, and transmits the fee calculated from the usage status to the certificate authority server 1. When using the image forming apparatus, the user performs in advance the processing up to the settlement application in the embodiment using the portable terminal 4. The authentication request information transmitted from the portable terminal 4 to the store terminal is temporarily spooled at the store terminal. And
When a user records an image on paper or communicates an image using the image forming apparatus, the number of recorded images and the communication time are monitored by a cashier terminal of the store or the image forming apparatus. When the monitoring is performed by the image forming apparatus, the cashier terminal of the store makes an inquiry to the image forming apparatus about use completion, and acquires the number of recordings, communication time, and the like at that time. At the cash register terminal of the store, the fee is calculated based on the number of recordings and the communication time. When the calculation of the charge is completed, the calculated charge is transmitted as the purchase price from the store terminal to the certificate authority server 1 together with the authentication request information. By doing so, for example, it is possible to easily perform cashless settlement without using a digital copying machine, a multifunction peripheral, a facsimile, or the like installed in a convenience store or the like. In addition, for example, the store terminal is configured to be able to control the usage of the image forming apparatus,
It is also possible to settle the image forming apparatus by allowing the user to use the image forming apparatus only for the authenticated use contents after the authentication is performed for the usage content designated by the user. .

Further, in the above-described embodiment, when the settlement using the designated account is desired to be authenticated by the certificate authority server 1, and when the user has a sufficient balance in another account available for settlement, , The settlement process ends. Therefore, if there is an account that the user can use for settlement in addition to the account whose settlement has not been authenticated, and if there are other accounts that can authenticate the settlement, the settlement is authenticated. Prompts the user to use the other account obtained for payment, and if the password of the other account that can authenticate the payment is correctly input to the portable terminal, the authentication of the payment for the other account is performed by the certificate authority server. To do. For example, the settlement using the designated account is performed by the certificate authority server 1
If the authentication is not successful, the certificate authority server 1 searches for another account associated with the ID number. If there is another account associated with the ID number, the account balance of the other account is extracted. Next, the purchase price is compared with the account balance of another account, and it is determined that settlement can be authenticated for an account within a contractually allowable range. Next, a list of alternative account designation information such as a bank name, a branch name, and an account number for designating an alternative account for which it has been determined that the settlement can be authenticated is generated. The cash register terminal 2 of the store from the certificate authority server 1
Is transmitted to the portable terminal 4 via the. The mobile terminal 4
Then, a menu equivalent to the payment account selection menu D1 is generated based on the list of the substitute account designation information. However, the generated screen does not include the accounts that were determined to be unable to authenticate the payment, in addition to the designated accounts,
Only the substitute account is included. The menu including only the substitute account is displayed without waiting for the input of the password, and the user can use the cursor keys of the portable terminal 4 to move the cursor to any of the substitute accounts and press an enter key. Then, a determination is made in the portable terminal 4 that the substitute account has been designated, and a screen corresponding to the password input screen D2 prompting entry of a password for the substitute account (corresponding to the substitute account password input screen). Is displayed. The mobile terminal 4 determines that the same password as that for the substitute account has been obtained from the content input to the mobile terminal 4 by the user on the screen corresponding to the password input screen D2. In such a case, a financial institution code, a branch code, an account number for identifying the substitute account, or alternative account identification information such as a bank name, a branch name, an account number, and an ID.
The number and the password are transmitted from the portable terminal 4 to the cashier terminal 2 of the store. At this time, if a communication path is maintained between the portable terminal 4 and the cashier terminal 2 of the store, the communication method selection menu D5 is not displayed. Then, the cashier terminal 2 of the store transmits the substitute account identification information, ID number, password, and the like to the certificate authority server 1, and the certificate authority server 1 transmits the substitute account identification information, ID number, and password. It is determined whether the correspondence is correct. If the correspondence is correct, authentication is performed. If the correspondence is not correct, authentication is not performed. The processing after the replacement account is authenticated is the same as in the above-described embodiment. If the authentication is not performed, the fact may be notified to the cashier terminal 2 of the store, and the process may be terminated as it is, or the user may be prompted to specify another alternative account.
Further, a screen prompting the user to input a personal identification number may be displayed again. In this way, even if the payment is not authenticated for the designated account, if the payment can be authenticated for another account, there is no need to restart the payment request process from the beginning. By making it possible to flexibly and easily change the designation of an account to be used for settlement, it is possible to suppress incentives for settlement using a portable terminal from being damaged.

However, even if an attempt is made to use an alternative account as described above, the balance may be insufficient for all accounts available for settlement by the user. Also in that case, the settlement processing ends. Therefore, even if the user cannot authenticate the settlement alone for all the accounts available for settlement, if the shortage of the account balance of the designated account can be compensated for by the account balance of another account, the shortage will occur. If the password of the other account to make up for the shortage is correctly entered into the portable terminal, the designated account and the other account to make up the shortage are encouraged. Authenticate the payment with the certificate authority server. For example, when the settlement using the designated account is not authenticated by the certificate authority server 1, the certificate authority server 1 searches for another account associated with the ID number. . If there is another account associated with the ID number, the account balance of the other account is extracted. Next, for the combination of the designated account and the extracted other account, the total of the account balance is calculated. The sum of the account balance of the combination of the designated account and the other account is compared with the purchase price, and if the sum of the account balance exceeds, for example, it is determined that the shortage can be compensated by another account in the combination. . Next, the bank name for designating a supplementary account that has been determined to be able to make up the shortfall,
A list of supplementary account designation information such as a branch name and an account number is generated, and the list of supplementary account designation information is transmitted from the certificate authority server 1 to the portable terminal 4 via the cashier terminal 2 of the store. In the portable terminal 4, a menu equivalent to the payment account selection menu D1 is generated based on the list of the supplementary account designation information. However, the generated screen includes only the supplementary account or a combination thereof. The menu including only the supplementary account or the combination thereof is displayed without waiting for the input of the password, and the user moves a cursor to any of the alternative account or the combination using the cursor keys of the mobile terminal 4. When an operation such as pressing an enter key is performed, the portable terminal 4 determines that the supplementary account or the combination thereof has been designated, and the personal identification number input prompting the user to enter a personal identification number for the supplementary account or the combination thereof. A screen corresponding to the screen D2 (corresponding to the complementary account password input screen) is displayed. For the combination of supplementary accounts, the password input screen D2 is displayed for each supplementary account. Then, from the content input to the portable terminal 4 by the user on the screen corresponding to the password input screen D2, it is determined that the same password as that for the complementary account or the combination thereof has been obtained. When performed by the portable terminal 4, a financial institution code, a branch code, an account number, or a bank name, a branch name, an account number, and a combination thereof for identifying the supplementary account or the combination thereof are included. The supplementary account identification information, the ID number, and the password are transmitted from the portable terminal 4 to the cashier terminal 2 of the store. At this time, if a communication path is maintained between the portable terminal 4 and the cashier terminal 2 of the store, the communication method selection menu D5 is not displayed. Then, the cashier terminal 2 of the store sends the supplementary account identification information, ID number, password, and the like to the certificate authority server 1, and the certificate authority server 1 transmits the supplementary account identification information, ID number, and password. It is determined whether the correspondence is correct. If the correspondence is correct, authentication is performed. If the correspondence is not correct, authentication is not performed. Processing when authentication is performed for the designated account, the supplementary account, or a combination thereof is the same as in the above-described embodiment, except for a debit processing. In the withdrawal process, for example, the account balance of the designated account is entirely withdrawn, and only the shortfall is withdrawn from the supplementary account. If the authentication has not been performed, the fact may be notified to the cashier terminal 2 of the store, and the process may be terminated as it is, or the user may be prompted to specify another supplementary account or a combination thereof. In addition, a screen prompting the user to input a personal identification number may be displayed again. In this manner, the designation of the account used for the payment can be further flexibly and easily changed, and the payment using the mobile terminal is performed. The incentive for is not lost.

[0021]

As described above, in the settlement method using the portable terminal according to the present invention, the inquiry of the account balance of the account used for settlement and the selection of the settlement request are made by inputting the password and the password. Since it becomes possible for the first time, it is possible to secure high security for balance inquiry and settlement, and after both options become possible, it is possible to easily shift from account balance inquiry to settlement request. The trouble of performing the balance inquiry immediately before the settlement is eliminated. In addition, it is possible to select between the inquiry of the account balance and the settlement request, and after the settlement request is made, it is determined whether the settlement is authorized or not. Can be. Further, in the settlement method using the mobile terminal, for example, a request from the mobile terminal may be a product list pre-registered in the server of the certificate authority, and a product list in which prices handled by each store are classified by region where the store is located. By displaying the product list transmitted to the mobile terminal and received from the server of the certificate authority on the mobile terminal according to the above, the user can determine whether there is a store nearby that handles the desired product, for example. Information such as か can be easily obtained from the portable terminal. Further, in the settlement method using the portable terminal, for example, a store name, a purchase date, a number,
If a list of payment details including the purchase price is transmitted to the mobile terminal according to a request from the mobile terminal, and the list of payment details received from the server of the certificate authority is displayed or stored on the mobile terminal, the payment is made. It is possible to create a household account book using the list of statements, or to use the list of settlement statements for accounting processing and the like. Further, in the settlement method using the portable terminal, for example, when the settlement using the designated account is not authenticated by the server of the certification authority, the user identified by the identification information can use the settlement. The account authority's account balance is checked by the certificate authority server, and if the result of the check indicates that there is another account that can authenticate the payment, the other account that can authenticate the payment is designated. A list of the alternative account designation information to be transmitted from the server of the certificate authority to the portable terminal via the store terminal, and the list of the alternative account designation information received from the server of the certification authority is sent to the portable terminal. When the other account is designated by the user in accordance with the list of the substitute account designation information, the personal identification code between the financial institution having the other account and the user is displayed. A substitute account password input screen prompting the user to input a password is displayed on the portable terminal, and a password for the specified other account is input from the content input to the portable terminal by the user on the substitute account password input screen. When the same code is obtained, substitute account identification information for identifying the designated other account is transmitted from the portable terminal to the server of the certificate authority through the store terminal, and If the server of the certificate authority authenticates the payment for the specified other account identified from the account identification information, the payment can be authenticated for the other account even if the payment is not authenticated for the specified account. This eliminates the need to restart the payment request process from the beginning. By making it possible to flexibly and easily change the designation of an account to be used for settlement, it is possible to suppress incentives for settlement using a portable terminal from being damaged.

In the settlement method using the portable terminal, for example, when the settlement using the designated account is not authenticated by the server of the certification authority, the user identified by the identification information is used for the settlement. The server of the certificate authority checks the account balances of other possible accounts, and if the result of the check indicates that the shortfall can be compensated by adding the account balances of one or more accounts, the shortfall is compensated. A list of supplementary account designation information for designating an account to be used for the combination or a combination thereof is transmitted from the server of the certification authority to the portable terminal via the terminal for the store, and the list received from the server of the certification authority A list of supplementary account designation information is displayed on the portable terminal, and an account or a combination thereof used to make up the shortage is used according to the list of supplementary account designation information. When specified by the user, a supplementary account password input screen for prompting the user to input a predetermined password between the financial institution having the account to be used to make up the shortage and the user is displayed on the portable terminal, When the same code as the password for the account used to perform the shortage is obtained from the content input to the portable terminal by the user on the complementary account password input screen, The supplementary account identification information for identifying an account or a combination thereof to be used for compensating is transmitted from the portable terminal to the server of the certification authority via the shop terminal, and the designated account and the supplementary account identification information are If the server of the certification authority authenticates the settlement of the account used to make up for the shortfall identified or the combination thereof, the designation of the account to be used for settlement is flexible and simple. And adapted to change, it is possible to suppress the incentive may be impaired for payment using a mobile terminal. Further, for example, when using the credit company as a financial institution, if the settlement request item is selected according to the selection screen, installment payment, revolving payment, lump sum payment before transmitting the account identification information to the store terminal device. A payment method selection screen for selecting any one of the payment methods is displayed on the portable terminal, and after the payment method is selected by the user according to the display of the payment method selection screen, the identification information and the Transmitting account designation information and payment method identification information for identifying the payment method to the store terminal via wireless communication between the mobile terminal and the store terminal;
If the identification information, the account designation information, the payment method identification information, and the purchase price are transmitted from the store terminal to the server of the certificate authority, installment payment, revolving payment, It is possible to select one of three payment methods, that is, lump-sum payment, and the convenience of the payment method using the portable terminal can be further improved. Further, in the settlement method using the portable terminal,
The store terminal obtains the usage status of the image forming apparatus,
In the case where the purchase price calculated from the usage status is transmitted to the server of the certificate authority, for example, the settlement in the case of using a digital copying machine, a multifunction peripheral, a facsimile, etc. installed in a convenience store or the like is performed without cash. This can be easily performed.

[Brief description of the drawings]

FIG. 1 is a diagram showing a schematic configuration of a settlement system according to an embodiment of the present invention and a communication procedure thereof.

FIG. 2 is a diagram showing a display screen and a display order displayed on the mobile terminal in the payment system according to the embodiment of the present invention.

FIG. 3 is a diagram illustrating a schematic configuration of a settlement system according to an embodiment of the present invention and a communication procedure thereof.

FIG. 4 is a diagram showing a display screen and a display order displayed on a mobile terminal in the payment system according to one embodiment of the present invention.

[Explanation of symbols]

 1: Certificate Authority server 2: Cash register terminal in store 3: Bank settlement server 4: Mobile terminal D2: PIN input screen D3: Selection menu

Claims (10)

    [Claims]
  1. Claims 1. A financial institution based on an account balance of an account of a financial institution used for settlement specified by a user using a mobile terminal and a purchase price obtained by a store terminal provided in the store. A server of a certificate authority connected to said server and said store terminal, wherein said server uses a mobile terminal to determine whether or not to authenticate payment, and identifies a user registered in said mobile terminal in advance. To specify the account only when the same correspondence as the correspondence between the identification information to be performed and the password for confirming the identity of the user is obtained from the input contents of the user to the portable terminal. The designated account information of the designated financial institution designated by the user according to the account designated information displayed on the portable terminal is displayed between the designated financial institution and the user. Displaying on the portable terminal a password input screen prompting the input of a predetermined password in the mobile terminal, and from the content input to the mobile terminal by the user on the password input screen, the same as the password Only when is obtained, the balance inquiry item for inquiring the account balance of the designated account and the settlement request item for requesting the certification authority to authenticate the settlement using the designated account as at least selection items. Display on the portable terminal including the selection screen,
    When the balance inquiry item is selected by the user according to the selection screen, the account of each account which can be referred to by the server of the certificate authority is updated each time a change in the account balance is detected by the server of the financial institution. Requesting transmission of the account balance of the designated account to the server of the certificate authority, displaying the account balance of the designated account received from the server of the certificate authority on the portable terminal, The user is requested to input whether or not to authenticate the used payment. After the selection screen is displayed, including the case where the payment request item is selected by the user according to the selection screen, the designated account is displayed. When the user is required to authenticate the settlement using the ID, the identification information and the designated account identification information for identifying the designated account are transmitted from the portable terminal to the store terminal. And transmitting the identification information, the designated account identification information, and the purchase price used by the store terminal to determine whether the authentication of the settlement is possible from the store terminal to the server of the certificate authority. Settlement method using mobile terminals.
  2. 2. A product list preliminarily registered in a server of the certification authority and classified by region where the store handles and prices of the products handled by each store is transmitted to the mobile terminal according to a request from the mobile terminal. 2. The settlement method using a portable terminal according to claim 1, wherein the commodity list received from the server of the certificate authority is displayed on the portable terminal.
  3. 3. A list of payment details, including a store name, a purchase date, a quantity, and a purchase price, related to the payment that can be referred to by the server of the certificate authority is transmitted to the mobile terminal in response to a request from the mobile terminal. 2. A settlement method using a portable terminal according to claim 1, wherein the list of settlement details received from a server of the certificate authority is displayed or stored on the portable terminal.
  4. 4. If the settlement using the designated account has not been authenticated by the server of the certificate authority, the user identified by the identification information authenticates the account balance of another account available for settlement. If the server of the Bureau investigates and, as a result of said investigation, it is ascertained that there is another account capable of authenticating the settlement, the alternative account designation information for designating another account capable of authenticating the settlement is provided. Transmitting a list from the server of the certificate authority to the mobile terminal via the store terminal; displaying a list of the substitute account designation information received from the server of the certificate authority on the portable terminal; If another account is designated by the user according to the list of (1), an alternative account password input screen prompting the user to input a predetermined password between the financial institution having the other account and the user. Screen is displayed on the mobile terminal, and from the content input to the mobile terminal by the user on the substitute account password input screen, the same code as that for the specified other account is obtained. In such a case, the substitute account identification information for identifying the specified other account is
    The mobile terminal transmits to the server of the certificate authority via the store terminal, and the server of the certificate authority authenticates settlement of the specified other account identified from the substitute account identification information. A payment method using the mobile terminal according to 1.
  5. 5. If the settlement using the designated account has not been authenticated by the server of the certificate authority, the user identified by the identification information authenticates the account balance of another account available for settlement. If the server of the Bureau investigates and, as a result of the said investigation, it is possible to make up for the shortfall by adding the account balance of one or more accounts, specify the account to be used to make up the shortage, or a combination thereof. A list of the supplementary account designation information to be transmitted from the server of the certificate authority to the portable terminal via the store terminal, and the list of the supplementary account designation information received from the server of the certification authority is sent to the portable terminal. When the user designates an account to be used to make up the shortfall, or a combination thereof, according to the list of the supplementary account designation information, and uses it to make up the shortage. The mobile terminal displays a supplementary account password input screen prompting the user to input a predetermined password between the financial institution having the account and the user. When the same code as that for the account used to perform the shortage is obtained from the content input to the mobile terminal, the account used to compensate for the shortage or a combination thereof is identified. An account used to transmit the supplementary account identification information from the portable terminal to the server of the certificate authority via the shop terminal, and to use the specified account and the supplementary account identification information to compensate for the shortfall; 2. The settlement method using a mobile terminal according to claim 1, wherein the server of the certification authority authenticates settlement with respect to the combination thereof.
  6. 6. The settlement method using a mobile terminal according to claim 1, wherein the financial institution is a bank, and the account balance of the account is a bank account balance.
  7. 7. The settlement method using a portable terminal according to claim 1, wherein the financial institution is a credit company, and an account balance of the account is a usage limit balance for the credit company.
  8. 8. When the settlement request item is selected according to the selection screen, before the account identification information is transmitted to the store terminal device, installment payment, revolving payment,
    A payment method selection screen for selecting one of the payment methods of the lump sum payment is displayed on the portable terminal, and after the user selects the payment method according to the display of the payment method selection screen, the identification information, The account designation information and the payment method identification information for identifying the payment method,
    The information is transmitted to the store terminal via wireless communication between the mobile terminal and the store terminal, and the identification information, the account designation information, and the payment method identification information are transmitted from the store terminal to a server of the certificate authority. 8. The settlement method using the portable terminal according to claim 7, wherein the purchase price is transmitted.
  9. 9. The portable terminal according to claim 1, wherein the communication between the portable terminal and the store terminal is performed by wire or wireless, and the wireless communication is performed by infrared communication or wireless radio communication. Payment Method.
  10. 10. The portable terminal according to claim 1, wherein the store terminal acquires a use situation of the image forming apparatus and transmits a purchase price calculated from the use situation to a server of the certificate authority. Payment method.
JP2000217136A 2000-07-18 2000-07-18 Settlement method using portable terminal Pending JP2002032686A (en)

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JP2004102874A (en) * 2002-09-12 2004-04-02 Inkurimento P Kk Settlement device, its system, its method, its program, and recording medium for recording its program
WO2004114696A1 (en) * 2003-06-24 2004-12-29 Lg Telecom, Ltd. System for providing banking services by use of mobile communication system
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US8467766B2 (en) 2006-07-06 2013-06-18 Qualcomm Incorporated Methods and systems for managing payment sources in a mobile environment
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JP2004102874A (en) * 2002-09-12 2004-04-02 Inkurimento P Kk Settlement device, its system, its method, its program, and recording medium for recording its program
WO2004114696A1 (en) * 2003-06-24 2004-12-29 Lg Telecom, Ltd. System for providing banking services by use of mobile communication system
WO2004114697A1 (en) * 2003-06-24 2004-12-29 Lg Telecom, Ltd. Method for providing banking services by use of mobile communication system
US8374324B2 (en) 2005-06-02 2013-02-12 At&T Intellectual Property I, L.P. Methods of using biometric data in a phone system and apparatuses to perform the methods
US8467766B2 (en) 2006-07-06 2013-06-18 Qualcomm Incorporated Methods and systems for managing payment sources in a mobile environment
JP2009543185A (en) * 2006-07-06 2009-12-03 ファイアーソーン・ホールディングス,エルエルシー Method and system for financial transactions in a mobile environment
US8489067B2 (en) 2006-07-06 2013-07-16 Qualcomm Incorporated Methods and systems for distribution of a mobile wallet for a mobile device
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US9911114B2 (en) 2006-07-06 2018-03-06 Qualcomm Incorporated Methods and systems for making a payment via a stored value card in a mobile environment
US10515427B1 (en) 2009-08-14 2019-12-24 Citicorp Credit Services, Inc. (Usa) Methods and systems for use of a prepaid payment device for a healthcare service or product
US10074081B1 (en) 2009-08-14 2018-09-11 Citicorp Credit Services, Inc. (Usa) Methods and systems for use of a prepaid payment device
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US9401077B2 (en) 2010-04-09 2016-07-26 Paypal, Inc. Mobile phone ATM processing methods and systems
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US10445723B2 (en) 2010-04-09 2019-10-15 Paypal, Inc. NFC-transaction processing systems and methods
US9811813B2 (en) 2010-04-09 2017-11-07 Paypal, Inc. Methods and systems for selecting accounts and offers in payment transactions
US9208482B2 (en) 2010-04-09 2015-12-08 Paypal, Inc. Transaction token issuing authorities
US10304051B2 (en) 2010-04-09 2019-05-28 Paypal, Inc. NFC mobile wallet processing systems and methods
US10134031B2 (en) 2010-04-09 2018-11-20 Paypal, Inc. Transaction token issuing authorities
US10504108B2 (en) 2010-04-09 2019-12-10 Paypal, Inc. Mobile phone ATM processing methods and systems
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JP2014508338A (en) * 2010-12-23 2014-04-03 ペイダイアント,インコーポレイテッド ATM processing method and system for mobile phone
CN103282929A (en) * 2010-12-23 2013-09-04 佩蒂安特股份有限公司 Mobile phone atm processing methods and systems
US10387862B2 (en) 2012-05-24 2019-08-20 Paypal, Inc. Methods and systems for wallet enrollment
JP2017130013A (en) * 2016-01-20 2017-07-27 株式会社 みずほ銀行 Settlement management system, settlement management method, and settlement management program
WO2018037259A1 (en) * 2016-08-22 2018-03-01 Metropolitan Bank And Trust Company Implementing secure transaction management utilizing tokenized sensitive information in an object-oriented transactional framework having hierarchically assemblable and selectable menu items
WO2018037258A1 (en) * 2016-08-22 2018-03-01 Metropolitan Bank And Trust Company A method of implementing hierarchically assemblable and selectable menu items in an object-oriented transactional framework

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