JP2002342679A - Method and system for settlement by previous authentication - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve business efficiency by reducing time for payment by a credit card so as to improve the turnover rate of users. SOLUTION: Before the generation of payment duty, credit information to be used for payment and individual identification information different from the credit information are inputted to obtain the previous authentication information of a settling facility. When the payment duty is generated, an individual is confirmed by using the individual identification information included in the previous authentication information and payment information is transmitted to the settling facility for settlement.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a pre-authentication settlement method and system, and more particularly to a pre-authorization settlement method for credit information used for payment, which can prevent stagnation at the time of payment by a credit at a parking lot or a store. Authentication payment method, system,
The present invention also relates to a pre-authentication and billing system for a parking lot using the same.

[0002]

2. Description of the Related Art In a current parking lot, it takes about 10 seconds on average to settle at the time of departure.

[0003] On the other hand, when paying a fee for a parking lot or the like, it is desired that not only cash but also payment by a credit card or the like can be accepted.

[0004]

However, if an attempt is made to use a payment institution, such as a card company, at the time of departure, to prevent unauthorized use and secure the reliability of the settlement means, at the time of delivery, a huge amount of negative data is required. It takes time for collation and the like, and in addition to the normal settlement, it takes 10 to 20 seconds (about 30 seconds in total) for settlement. Therefore, in the time zone where there is a lot of ingress and egress, it is not possible to enter the warehouse because it is not possible to exit, and the turnover of the parking lot decreases and the number of vehicles used decreases,
There is a risk that sales may be hindered due to a decrease in income in business terms.

[0005] A similar situation occurs not only when the parking lot is settled out of the parking lot, but also when a general shop pays for a general purchase using a super cash or a debit card. In particular, if a credit card or the like cannot be used due to a network down, etc., online authentication requires payment to be made unless a credit card or the like can be used unless the user actually initiates a payment and performs authentication. However, there is a problem that the payment must be made in a hurry in cash or the like when the payment is made, and the settlement operation takes more time. This problem cannot be solved even if the online processing speed is increased.

The present invention has been made to solve the above-mentioned conventional problems, and has as its object to reduce the time required for payment, improve the turnover rate of the user, and improve the business efficiency.

[0007]

According to the present invention, prior to the payment obligation, credit information used for payment and personal identification information different from the credit information are input to obtain pre-authentication information of a payment institution. In addition, when the payment obligation occurs, the individual is confirmed using the personal identification information included in the pre-authentication information, and the payment information is transmitted to the clearing house to perform the payment, thereby solving the problem. It was done.

[0008] Further, the personal identification information includes a password and a fingerprint.

In addition, an expiration date is set in the pre-authentication information to prevent unauthorized use and increase the turnover rate of customers.

The personal identification information included in the pre-authentication information is used as a temporary password with an expiration date to prevent unauthorized use and increase the turnover rate of customers.

According to the present invention, in a pre-authentication settlement system, a personal identification information input device for inputting credit information used for payment and personal identification information different from the credit information before the payment obligation occurs. And a pre-authentication device that approves the credit information and the personal identification information input from the personal identification information input device and generates pre-authentication information before the payment obligation occurs. While confirming the individual using the personal identification information included, by including a payment authentication device for transmitting the payment information to the clearing house and performing the payment,
This has solved the above-mentioned problem.

Further, there is provided a settlement device which calculates a billing amount based on service use conditions and product purchase conditions and includes the same in the payment information.

[0013] Further, the payment completion information is sent from the payment authentication device to the settlement device.

Further, at least a part of each of the above devices is connected wirelessly to facilitate use at a remote place.

In the pre-authentication / charging system for a parking lot, before the payment obligation is generated, credit information used for payment and personal identification information input device for inputting personal identification information different from the credit information are provided. A pre-authentication device that approves credit information and personal identification information input from the personal identification information input device and generates pre-authentication information before the payment obligation is generated, and an entry / exit that manages entry / exit date and time and restricts exit. The management device and the personal identification information approved by the pre-authentication device are retained, the person who pays is recognized and determined at the time of leaving the warehouse, and when valid, a leaving permission signal is given to the entrance / exit management device, and A delivery-time authentication device that obtains entry / exit date / time data from the management device and transmits usage information obtained by adding personal identification information to the acquired data to a settlement institution; By providing a billing amount calculation device from the entry and leaving date laid et sent usage information to calculate the usage charge is also obtained by solving the above problems.

[0016] The present invention also provides a computer program for performing the pre-authentication settlement method.

The present invention also provides a computer program for implementing the pre-authentication settlement system and the billing system.

The present invention also provides a computer-readable recording medium on which the computer program is recorded.

[0019]

Embodiments of the present invention will be described below in detail with reference to the drawings.

In the first embodiment of the present invention, the present invention is applied to a parking lot. As shown in FIG. 1, credit information (credit card number, etc.) used for payment before payment obligation occurs, And different from the credit information,
Personal identification information of user 10 (phone number, password, etc.)
And inputting the personal identification information input device 20 for obtaining the pre-authentication information of the settlement institution, and approving the credit information and the personal identification information input from the personal identification information input device 20 before using the parking lot. A pre-authentication device 22 that generates pre-authentication information, and an entry / exit management device 24 that manages the entry / exit date and time of the parking lot 12 and restricts exit / exit using the entry / exit restriction device (for example, shutoff gate) 14 of the parking lot 12 The personal identification information approved by the pre-authentication device 22 is retained, and the person who pays is recognized at the time of leaving the warehouse, and when it is valid, a delivery permission signal is given to the entrance / exit management device 24 and the entrance / exit management is performed. The retrieval / acquisition date / time data is acquired from the device 24, and the utilization information obtained by adding the personal identification information to the acquired data is transmitted to the settlement institution. It is configured to include a charge amount calculating unit 28 that calculates the usage charge from entry and leaving date and time of use information.

Signal transmission between the devices is performed by, for example, a parallel signal, a serial signal, a non-voltage contact, or the like.

As the personal identification information input device 20, for example, a mobile phone, a car navigation device capable of two-way communication, a device equipped with an IC chip, or the like can be used.

The pre-authentication device 22, the outgoing-time authentication device 2
6 and the billing amount calculation device 28 are always connected by a constant connection line 30 such as Dopa.

FIG. 2 shows the configuration of the database in this embodiment. As shown in the figure, the personal identification information input device 20 includes, for example, a customer registration ID (such as a telephone number),
Use entry D including temporary use password (PWS) that can be used temporarily with an expiration date and parking lot ID
B is provided. The pre-authentication device 22 includes a customer information database (DB) in which the name, address, settlement means (credit number), customer registration ID (telephone number, etc.), personal identification password, and the like of the user 10 are collected. An authentication DB in which negative data (credit number) indicating that it is not possible is recorded, a parking lot DB in which a parking lot ID is recorded, and the like are provided. The charge amount calculation device 28 is provided with a charge condition DB that records a parking lot ID, a charge condition, and the like.

Hereinafter, the processing procedure of the first embodiment will be described with reference to FIG.

When applying for use, first, step 100
Then, the user 10 transmits the personal identification information such as the ID and the password and the name of the parking lot to be used to the pre-authentication device 22 in the settlement organization such as a card company using, for example, a mobile phone or a car navigation device. At 102, authentication is requested. If the authentication is not approved in step 104, the process proceeds to step 106, in which the user is notified of the rejection of the authentication, and the process ends.

On the other hand, when the user is authenticated in step 104, the process proceeds to step 108, in which the user 10 is notified of the authentication permission. In step 110, the ID of personal identification information and the like are sent to the exit authentication device 26 of the corresponding parking lot 12. Set a temporary use password (PWS).

When the user 10 who has used the parking lot 12 leaves the store, the user inputs an ID and a temporary use password to the leave-time authentication device 26 in step 120. If authentication is not successful in step 122, step 12
Proceed to step 4 to inform the user that the user is not authenticated.

On the other hand, if the information matches the authentication information, the flow advances to step 126 to send an exit permission to the entry / exit management device 24, enable the entry / exit control device 14 to exit the exit, and enter / exit from the entry / exit management device 24. The retrieval date and time data is acquired, the settlement data is transmitted from the retrieval-time authentication device 26 to the billing amount calculation device 28, and the process is terminated.

[0030] In this manner, by obtaining authentication in advance at the stage of applying for use, instead of performing authentication at the time of leaving the parking lot, it is possible to shorten the settlement time at the time of leaving the parking lot, increase the turnover rate of the parking lot, Usage efficiency can be improved.

In the above embodiment, the present invention is applied to a parking lot. However, the present invention is not limited to this, and can be applied to shops and the like.
FIG. 4 shows the configuration of the second embodiment applied in this case, and FIG. 5 shows the processing procedure.

In the present embodiment, the parking lot 12 of the first embodiment is replaced by the store 16, the entry / exit management device 24 is replaced by the settlement device 32, and the outgoing authentication device 26 is replaced by the payment authentication device 34. The amount calculator 28 replaces the billing device 34.

Further, in the present embodiment, the billing device 36
Is provided with a payment request DB for recording customer registration IDs (telephone numbers and the like), store IDs, usage amounts, and the like.

The other points are basically the same as those of the first embodiment, and a detailed description thereof will be omitted.

In each of the above-described embodiments, since the pre-authentication device 22 and the outgoing-time authentication device 26 or the in-payment authentication device 34, the billing amount calculation device 28, or the billing device 28 are connected by radio, Is easy. Note that these connection means are not limited to wireless.

In each of the above embodiments,
Although a password is used as personal identification information, it is also possible to improve accuracy by using a fingerprint.

In each of the above embodiments,
Since authentication information and personal identification information had an expiration date,
Unauthorized use such as spoofing can be prevented, and the turnover of the user can be increased by using it within the expiration date. Note that when high-precision personal identification information such as a fingerprint is used, the expiration date may not be set.

[0038]

According to the present invention, the payment method to be used is authenticated in advance and the result is stored in the payment authentication device (delivery authentication device), so that the time required for payment is reduced. By shortening, the turnover rate of the user can be improved and the business efficiency can be improved.

In addition, it is possible to prevent the user from being confused by unexpected payment due to invalid payment method at the place of payment.

Further, since the amount of cash to be handled can be reduced, an effect of preventing a crime caused by the stock of cash in a conventional settlement machine or the like can be expected. Further, since data such as a credit card is not directly read, there is no problem of skimming.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of a first embodiment of the present invention applied to a parking lot.

FIG. 2 is a block diagram showing the configuration of a database according to the first embodiment;

FIG. 3 is a flowchart showing a processing procedure according to the first embodiment;

FIG. 4 is a block diagram showing a configuration of a second embodiment of the present invention applied to a general store;

FIG. 5 is a flowchart showing a processing procedure according to the second embodiment;

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 ... User 12 ... Parking lot 16 ... Store 20 ... Personal identification information input device 22 ... Pre-authentication device 24 ... Entry / exit management device 26 ... Entry-time authentication device 28 ... Charge amount calculation device 30 ... Constant connection line 32 ... Payment device 34: Payment authentication device 36: Payment request device

──────────────────────────────────────────────────の Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G07B 15/00 510 G07B 15/00 510 G07G 1/12 321 G07G 1/12 321L (72) Inventor Okunuki ▲ Yu ▼ Next F-term (reference) 3E027 EA03 EB01 EC04 3E042 CB03 CC01 CC10 in 4-2-1 Shinjuku, Shinjuku-ku, Tokyo

Claims (13)

[Claims] Claims: 1. Before a payment obligation is generated, credit information used for payment and personal identification information different from the credit information are input to obtain pre-authentication information of a clearing house. A method of confirming an individual using personal identification information included in the pre-authentication information, and transmitting payment information to the clearing house for settlement. 2. The pre-authentication settlement method according to claim 1, wherein the personal identification information includes a password and a fingerprint. 3. The pre-authentication settlement method according to claim 1, wherein an expiration date is set in the pre-authentication information. 4. The pre-authentication settlement method according to claim 3, wherein the personal identification information included in the pre-authentication information is a temporary password having an expiration date. 5. A personal identification information input device for inputting credit information used for payment and personal identification information different from the credit information before the payment obligation occurs, and an input from the personal identification information input device. A pre-authentication device that approves the credit information and personal identification information to be issued and generates pre-authentication information before the payment obligation occurs, and when the payment obligation occurs, identifies the individual using the personal identification information included in the pre-authentication information. A pre-authentication payment system, comprising: a payment authentication device for confirming and transmitting payment information to the payment institution to perform payment. 6. The pre-authentication settlement system according to claim 5, further comprising a settlement device that calculates a charge amount based on service use conditions and product purchase conditions and includes the charge amount in the payment information. 7. The payment-time authentication device to the payment device,
7. The pre-authentication settlement system according to claim 6, wherein the settlement completion information is sent. 8. The pre-authentication settlement system according to claim 5, wherein at least a part of each of the devices is connected by radio. 9. A personal identification information input device for inputting credit information used for payment and personal identification information different from the credit information before the payment obligation occurs, and an input from the personal identification information input device. A pre-authentication device that approves received credit information and personal identification information and generates pre-authentication information before a payment obligation is generated; an entry / exit management device that manages entry / exit date and time and restricts exit / exit; Hold the personally identifiable information approved by
Recognize and judge the person who pays at the time of leaving the warehouse, and when valid, gives a leaving permission signal to the entrance / exit management device, obtains entrance / exit date / time data from the entrance / exit management device, and adds personal identification information to the acquired data. A delivery-time authentication device that transmits the added usage information to the settlement institution, and a billing amount calculation device that calculates a usage amount from the entry / exit date and time of the usage information sent from the delivery-time authentication device. And pre-authentication billing system for parking lots. 10. A computer program for realizing the pre-authentication settlement method according to claim 1. 11. A computer program for implementing the pre-authentication settlement system according to claim 5. 12. A computer program for realizing the pre-authentication and billing system according to claim 9. 13. A computer-readable recording medium on which the computer program according to claim 10 is recorded.