JP2002099858A - Settlement system, settlement device and settlement method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a customer carrying a mobile communication terminal with cashless settlement such as a credit settlement even when the customer is not particularly carrying a card for settlement. SOLUTION: By storing card information 42a and a password number 42b in a mobile telephone 7 and inputting the password number 42b in the mobile telephone 7, the card information 42a can be obtained by a POS terminal 1, and the cashless settlement such as the credit settlement can be performed by the POS terminal 1 on the basis of the card information 42a.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment system that enables cashless payment of credits and the like using a mobile communication terminal such as a mobile phone, a payment apparatus for performing the payment, and a payment method.

[0002]

2. Description of the Related Art In recent years, many stores have approved payment by credits other than cash. Cash payments are a clear method of settlement, but when shopping for expensive products there is the inconvenience that you must always possess the amount, and if lost or stolen, cash Due to the lack of security features, credit payments that do not require possession of cash are expected to become more widespread in the future.

[0003] By the way, when a customer offers a credit settlement, the clerk keeps a credit card from the customer,
Information such as a card issuing company identification code and a customer ID code recorded on the credit card is stored in POS (Point
Of Sales) terminals and CAT (Credit Authorization Ter)
minal) Have the terminal read the card reader. Then, an inquiry is made from the POS terminal or the CAT terminal to the credit card issuing company on-line as to whether the payment by the credit card of the read card information is acceptable. As a result of this inquiry, if the settlement is approved, a credit slip is printed and issued from a printer connected to the POS terminal or the CAT terminal, and the slip is signed to complete the settlement.

[0004] In recent years, a debit card payment system has also been put into practical use, in which a cash card issued by a bank or a post office is used to immediately debit and settle the account from the account designated by the cash card. .
In the case of this debit card payment, cashless payment can be made in the same manner as a credit card.

[0005]

However, customers who use credit or debit card payments must always carry a cash card as a credit or debit card. In addition to credit cards and cash cards, card media is also used for store membership cards, prepaid cards, etc. Since these cards are almost the same size, customers carrying many types of cards are There was also a troublesome task of searching for a corresponding credit card or cash card from among them and presenting it to the clerk. Further, a credit card has only a security function that compares a signature on a slip with a signature written on the card. For this reason, if the credit card is lost or stolen and reaches another person's hand, the clerk may not be able to detect whether or not the signature is incorrect even if the clerk checks the signature when using the credit card. Due to these circumstances, measures against unauthorized use of credit cards were not sufficient.

On the other hand, mobile communication terminals typified by mobile phones have become widespread in recent years, and many customers carry their mobile communication terminals for shopping.

[0007] Therefore, the present invention provides a payment system that can perform cashless payment such as credit payment even if a customer carrying a mobile communication terminal does not have a separate payment card, and a payment used in this payment system. It is an object of the present invention to provide an apparatus and a settlement method using the settlement system.

[0008]

According to a first aspect of the present invention, there is provided a mobile communication terminal in which card information of a card for making a payment is stored in a storage unit, and a mobile communication terminal stored in the storage unit of the mobile communication terminal. The payment system includes a card information acquisition unit for acquiring card information, and a settlement device including a settlement unit for performing settlement based on the card information acquired by the card information acquisition unit.

[0009] The invention described in claim 2 of the present application is the above-described claim 1.
In the described invention, there is provided a settlement system provided with a key for protecting card information and a key release unit for enabling the settlement apparatus to acquire the card information by inputting the key in the mobile communication terminal.

According to a third aspect of the present invention, there is provided a card information acquiring means for acquiring card information stored in a storage section of a mobile communication terminal, wherein the card information of a card for performing settlement is stored in a storage section. And a settlement means for performing settlement based on the card information acquired by the card information acquisition means.

According to a fourth aspect of the present invention, there is provided a settlement apparatus for storing card information of a card for performing settlement in a storage unit of a mobile communication terminal, and for performing settlement based on the card information of the card for performing settlement. An acquisition unit for acquiring data stored in the storage unit of the mobile communication terminal is provided,
This is a settlement method in which the settlement device fetches the card information stored in the storage section of the mobile communication terminal by the acquisition device, and performs settlement based on the fetched card information.

The invention according to claim 5 of the present application is directed to claim 4
In the described invention, a payment method is provided in which a key for protecting card information is provided in the mobile communication terminal, and the card information cannot be obtained by the obtaining means of the payment apparatus unless the key is released.

[0013]

Embodiments of the present invention will be described below with reference to the drawings. In this embodiment,
A mobile phone is used as a mobile communication terminal, and P is used as a payment device.
This is a case where credit settlement is performed using an OS terminal.

FIG. 1 is a schematic diagram showing the overall configuration of the embodiment, and 1 is a POS terminal. The POS terminal 1 includes a barcode scanner 2, a drawer 3, a customer display 4, an operator display 5, a keyboard 29 (not shown), a card reader 34, a printer 31 for issuing receipts, and a mobile phone (not shown). Interface 35 (these are described in FIG. 2). Reference numeral 7 denotes a mobile phone, which is provided with a display 8, buttons 9 for inputting a telephone number, etc., and an interface 47 (not shown) with the POS terminal 1 (described in FIG. 3). Have been. 10
Indicates the host of the credit card issuing company.

By connecting the POS terminal 1 to the mobile phone 7, information stored in the mobile phone 7 can be transmitted from the mobile phone 7 to the POS terminal 1. In this embodiment, the connection method is such that the mobile phone 7 and the POS terminal 1 are connected to Bluetooth (Bl).
uetooth) so that information can be wirelessly transmitted from the mobile phone 7 to the POS terminal 1. Note that a similar effect can be obtained by infrared rays without using Bluetooth, but Bluetooth has advantages such as superior mutual compatibility. Depending on the interface, a wired connection method such as a serial port or USB may be used.

The POS terminal 1 and the host 10 of the credit card issuing company are connected by a dedicated line, and the information read from the mobile phone 7 at the POS terminal 1 is transmitted to the host 10 and approved by the host 10. P
Various types of information, such as reception at the OS terminal, can be transmitted and received as data.

FIG. 2 is a block diagram showing a main configuration of the POS terminal 1. The POS terminal 1 is provided with a CPU (central processing unit) 21 as a control unit main body. Further, a ROM (read only program) storing programs for executing the operation of the CPU 21 is provided.
Memory) 22, a RAM (random memory) having a memory area such as a work area necessary for executing a program.
Access memory) 23, an interface 24 for connecting to a dedicated line for inputting and outputting information to and from the host 10, a mode SW (switch) 25 for switching the mode of the POS terminal 1, and opening the drawer. I / O port 27 to which the drawer opening mechanism 26 is connected, a display controller 28 for controlling the customer display 4 and the operator display 5, and the keyboard 2
Keyboard controller 30 for controlling printer 9, printer 3
1, a bar code controller 33 for controlling bar code information read by the bar code scanner 2, and a device 3 capable of transmitting and receiving data using Bluetooth via the interface 34.
5 are provided.

The CPU 21 includes a ROM 22 and a RAM 2
3, an interface 24, an I / O port 27, a display controller 28, a keyboard controller 30, a printer controller 32, a barcode controller 33, an interface 34, and a bus line 36.

In the keyboard 29, in addition to a key for registering merchandise sales data, a "mobile phone" key 29a for declaring the closing of the registration based on the credit card information stored in the mobile phone, and a settlement with a credit card are updated. Various input keys such as a "credit" key 29b for executing and a "deposit / current total" key 29c for performing settlement by cash are arranged.

FIG. 3 is a block diagram showing a main part of the portable telephone 7. The portable telephone 7 has a CPU 41 as a control unit main body.
Is provided. Further, a ROM in which card information 42a of a credit card and a personal identification number 42b as a key for protecting the card information 42a are stored together with various programs for executing the operation of the CPU 41.
43, a RAM 44 provided with a memory area such as a work area necessary for executing a program, a display controller 45 for controlling the display 8, a button controller 46 for controlling input from the input button 9, and input / output of various information Interface 47 is provided.

The CPU 41 includes a ROM 43, a RAM
44, display controller 45, button controller 4
6. It is connected to the interface 47 via the bus line 48.

FIG. 4 shows a card information table 51 indicating the contents of the card information 42a stored in the ROM 43 and a table 52 indicating the contents of the personal identification number 42b. The card information table 51 stores the name of the credit card owner, the name of the credit card issuing company, the credit card number, and the expiration date. In the table 52, a four-digit number or character is set as the personal identification number 42b.

The POS terminal 1 configured as described above
FIG. 5 shows a processing flow of the CPU 21 provided in the POS terminal 1 when the credit settlement is performed by the mobile phone 7 and the mobile phone 7.

First, as ST (step) 1, when the bar code scanner 2 scans the bar code of the commodity on the POS terminal 1 in the standby state, the CPU 2
1 detects an input from the barcode controller 33. Then, based on the scanned barcode information, the product registration information such as the product code and the price of the product is stored in the RAM 23.
To memorize. Each time the barcode of a purchased product is scanned in this manner, the RAM 23 stores the product code, the number of purchased items, and the amount of money in a cumulative manner.

When the CPU 21 detects any key input, the key input is changed to a "mobile phone" key 29a.
It is determined whether or not the input is detected by the input (ST2). If “YES” is determined in this determination, the card information 42 stored in the ROM 43 of the
An instruction to read b is issued (ST3).

Then, the card information 42
It is determined whether or not b has been read (ST4). If not, a display such as "read error" is displayed on the operator display 5 of the POS terminal 1.
Further, when it is detected that the card information 42a cannot be read due to the incorrect input of the personal identification number 42b to the mobile phone 7, a display such as "The personal identification number has not been correctly input to the mobile telephone" is displayed on the operator display. 5 is displayed. Then, it waits for the next operation command.

Here, if the "mobile phone" key 29a input is detected again, a command to cancel the error message displayed on the operator display 5 is issued, and a command to read the card information 42a again is issued.

If "YES" is determined in ST4, first, the read card information 42a is displayed on the operator display 5. Then, it is determined from the read card information 42a whether the card can be settled. This determination is made in the credit card issuer's company table (not shown) stored in the card information 42a that can be settled or by comparing the expiration date with the date. It is performed by judging whether it is inside. If you are a credit card issuer that cannot make payments here,
○ An instruction to display such as "Corporate credit cards cannot be used" is issued, and if the expiration date has expired, an instruction to display a display such as "Expiration date has expired" on the operator display 5 is issued. Wait for the next input.

If it is determined in step ST5 that the credit card issuing company is capable of performing payment, an inquiry as to whether or not the amount stored in the RAM 23 may be performed with the card number read from the card information 42a is made by credit. Perform to the card issuing company host 10 (ST
6).

Then, the CPU 21 enters a standby state of the approval result from the host 10 in ST7, and issues an instruction to display "approval permitted" on the operator display 5 if the approval is obtained and "impossible" if not approved. put out.

After displaying "approval permitted", the CPU 21 proceeds to S
At T8, the printer 31 prints and issues a credit slip.

If "NO" is determined in ST5 and ST7, an error message is displayed on the display for operator 5 and the process of ST2 is performed. That is, it is determined whether or not the input is the "mobile phone" key 29a, and the "YE
If "S", the above processing is repeated. If "NO" is determined, it is determined whether the input of the "deposit / current total" key 29c has been detected. If "YES" is determined here, the drawer 3 is opened to perform the settlement by cash, a command to issue a receipt is issued, and the processing of the CPU 21 ends. Also,
If "NO" is determined, another process corresponding to the input key is performed.

While the error message is being displayed, the CPU 2
When 1 detects the input of the clear key, it issues a command to cancel the error message.

Here, the card information 42a and the password 42
The operation of the present embodiment will be described in the case where the customer who has the mobile phone 7 storing the information b.

First, the operator asks the customer for a settlement method such as "How do you pay?" And confirms what kind of settlement you want. Here, when the customer desires the credit settlement using the card information 42a of the mobile phone 7, the customer is requested to put out the mobile phone 7 near the POS terminal 1. If the mobile phone 7 is not provided with a function of transmitting Bluetooth, a PC card capable of transmitting Bluetooth of store equipment is attached to the mobile phone 7. Thereby, the POS terminal 1 and the mobile phone 7
Will be able to connect using Bluetooth.

Then, the operator asks the customer to input a personal identification number 42b, which is a key for protecting the card information 42a on the mobile phone 7, so that the POS terminal 1 can acquire the card information 42a. get. As a result, the card information 42a can be pulled out from the mobile phone 7.

The customer takes out the mobile phone 7 and obtains the password 42
During the input of a, the operator inputs the goods purchased by the customer to the barcode scanner 2 of the POS terminal 1.
Scan using. When the bar code scanner 2 finishes reading the product, the operator inputs a "mobile phone" key 29a.

The card information 42a stored in the mobile phone 7 by the interface 47 of the mobile phone 7 from the Bluetooth interface 35 installed in the POS terminal 1 by inputting the "mobile phone" key 29a.
Starts reading.

When reading is not possible, a "reading error" is displayed on the display 5 for the operator, so the "mobile phone" key 29a is input again. Also,
When "the correct password is not input to the mobile phone" is displayed on the operator display 5, the customer is asked to input the password 42b again.

Thus, the card information 42a is stored in the PO
When the S terminal 1 is obtained, the card information 42a is displayed on the operator display 5. At this time, the display 5 displays the name of the customer, the credit card issuing company, the card number, and the expiration date. If the credit card issuing company is not a member store or the expiration date has already expired, a message that payment cannot be made will appear, so ask the customer to acknowledge that and settle it by cash settlement etc. .

When there is no such error in the card information 42a, an inquiry about approval is automatically made to the host 10 of the corresponding credit card issuing company. If approval is granted in this inquiry, a credit slip is issued. If the approval is not obtained, the user is settled in cash in the same manner as described above.

As described above, according to the present embodiment, the card information 42a of the credit card stored in the ROM 43 of the mobile phone 7 is input to the POS terminal 1 by inputting the "mobile phone" key 29a of the POS terminal 1. , The credit settlement is executed with the card information 42a, so that the customer can carry out the credit settlement without carrying a credit card in addition to the mobile phone 7.

Further, in particular, by using Bluetooth as a connection method between the POS terminal 1 and the portable telephone 7, it is unnecessary to attach the interface 47 of the portable telephone 7 to the interface 34 of the POS terminal 1. There are advantages too.

Further, the personal identification number 42b is set as a key for protecting the card information 42a stored in the portable telephone 7, and the settlement cannot be made without inputting the personal identification number 42b. Even if the mobile phone 7 is stolen, it is difficult for another person to use the card information 42a of the mobile phone 7 for fraudulently and make a credit settlement, and sufficient security can be obtained.

In this embodiment, the card information of the credit card is stored in the mobile phone 7. However, the card information of a cash card usable as a debit card is stored in the mobile phone 7 to store the card information. Can be used to make debit card payments. Further, although a mobile phone is used as a mobile communication terminal, another mobile communication terminal such as a PHS may be applied.

[0046]

As described above in detail, according to the first aspect of the present invention, cashless settlement such as credit settlement can be performed even if the customer carrying the mobile communication terminal does not have a separate settlement card. It is possible to provide a settlement system that can perform the settlement.

According to the invention described in claim 2 of the present application,
Further, it is possible to provide a payment system capable of performing the cashless payment with high security.

According to the third aspect of the present invention,
It is possible to provide a settlement apparatus capable of performing cashless settlement such as credit settlement even if a customer carrying a mobile communication terminal does not have a separate settlement card.

According to the invention described in claim 4 of the present application,
It is possible to provide a settlement method capable of performing cashless settlement such as credit settlement even if a customer carrying a mobile communication terminal does not have a separate settlement card.

According to the invention described in claim 5 of the present application,
Further, it is possible to provide a settlement method capable of performing the cashless settlement with high security.

[Brief description of the drawings]

FIG. 1 is a schematic diagram showing the overall configuration of the present embodiment.

FIG. 2 is an exemplary block diagram showing a configuration of a main part of the POS terminal according to the embodiment;

FIG. 3 is a block diagram showing a main configuration of the mobile phone according to the embodiment;

FIG. 4 is a diagram showing a data structure of card information and a password stored in the mobile phone in the embodiment.

FIG. 5 is a POS terminal CP according to the embodiment.
The flowchart which shows the flow of the process which U performs at the time of payment.

[Explanation of symbols]

 1: POS terminal 7: Mobile phone 29a: "Mobile phone" key 29b: "Credit" key 42a: Card information 42b: PIN

Claims (5)

[Claims] A mobile communication terminal storing card information of a card for performing payment in a storage unit; card information obtaining means for obtaining the card information stored in the storage unit of the mobile communication terminal; And a payment device provided with payment means for performing payment based on the card information acquired by the card information acquisition means. 2. A mobile communication terminal comprising: a key for protecting card information; and a key release means for inputting the key so that the card information can be obtained in a settlement apparatus. 2. The settlement system according to claim 1, wherein 3. Card information acquisition means for acquiring the card information stored in the storage unit of the mobile communication terminal, wherein the card information of the card for performing the payment is stored in the storage unit, and the card information acquisition And a settlement means for performing settlement based on the card information obtained by the means. 4. A payment device for storing card information of a card for performing payment in a storage unit of the mobile communication terminal, and storing the mobile communication terminal in a payment apparatus for performing payment based on the card information of the card for performing payment. Obtaining means for obtaining data stored in the storage unit, the obtaining means fetching the card information stored in the storage unit of the mobile communication terminal by the payment device, and performing payment based on the fetched card information. Settlement method characterized by performing. 5. The mobile communication terminal is provided with a key for protecting card information, so that the card information cannot be obtained by the obtaining means of the settlement apparatus unless the key is released. 5. The settlement method according to claim 4, wherein