JP2002352165A - Device, system and method fo electronic settlement, portable terminal device and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an electronic settlement device and an electronic settlement system which improve the reliability of electronic settlement, by preventing fraudulent electronic settlement, a portable terminal device, an electronic settling method and a program. SOLUTION: According to a settlement server 20 for receiving settlement information of a user inputted from a settlement terminal 1 via a network N and performing electronic settlement, settlement position information showing the position of the settlement terminal 1 transmitted from the settlement terminal 1 is received, the range where the user can perform settlement is stored as a settlement range, and in the case the received settlement position information is within the stored settlement range of the user, settlement is permitted. Moreover, the identification information of a portable terminal carried by the user is stored, the position of the portable terminal is acquired as user position information, on the basis of the identification information, and in the case the received settlement position information coincides with the acquired user position information, settlement is permitted.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic payment device, an electronic payment system, a portable terminal device, and an electronic payment device for receiving payment information of a user input from a payment terminal via a communication network and performing electronic payment. Methods and programs.

[0002]

2. Description of the Related Art In recent years, credit cards have been used by many people because of the convenience and security that shopping and eating and drinking can be performed without paying cash directly when presented to a member store. Hereinafter, a payment method in a conventional electronic payment device will be described. First, when a user issues an application for issuing a card, the credit card company confirms an account with the settlement bank of the user. Upon confirmation, the credit card company performs a card issuance procedure and sends customer data to a payment center that manages the electronic payment device. The settlement center creates a customer DB (Data Base) to be used at the time of settlement based on the received customer data.

For example, a user of a credit card presents a credit card to a clerk when making a payment at a store or a restaurant. The clerk notifies the payment center of the product price and charge to the payment center via the payment terminal, and requests payment and authentication using a credit card. The settlement center checks the customer information recorded on the credit card against the customer DB, and returns an authentication result to the settlement terminal.

[0004] If the authentication result is normal, the clerk obtains the signature of the settlement slip and gives the settlement slip to the user. The settlement center requests payment from the settlement bank of the user based on the settlement request received from the settlement terminal. Then, the settlement bank performs the payment processing to the requested store or restaurant, and withdraws the payment-processed amount from the customer's account, thereby completing the electronic payment.

[0005]

However, in the conventional electronic settlement apparatus, the comparison and comparison between the signature that the user has previously made on the credit card and the signature that is made on the settlement slip at the time of settlement is performed by the store or the store each time settlement is required. The clerk of the restaurant went. For this reason, a third party who is not the authorized owner of the credit card imitates the characters and handwriting of the signature of the authorized owner signed on the credit card and names the settlement slip, which is an unauthorized use (so-called, Spoofing) was easily performed.

Further, there is a case where a credit card is used in a state in which a legitimate owner does not make a signature. In this case, an impersonator can easily impersonate by entering his / her name. there were. Such ease of impersonation is a hotbed of fraudulent use of credit cards without the individual's knowledge, and is an important problem in electronic payment devices that require not only convenience but also high security and reliability. Was.

An object of the present invention is to provide an electronic payment device, an electronic payment system, a portable terminal device, an electronic payment method, and a program which prevent unauthorized electronic payment and improve the reliability of electronic payment.

[0008]

The present invention has the following features to solve the above-mentioned problems. In the following description of the means, a configuration corresponding to the embodiment is exemplified in parentheses. The reference numerals correspond to the reference numerals in the drawings described later.

According to a first aspect of the present invention, there is provided an electronic payment apparatus (for example, the payment server 20 of FIG. 1) for performing an electronic payment based on a user's payment information input by an input means. When payment is input, payment position acquisition means (for example, the step shown in FIG. 7 executed by the transmission control unit 23 shown in FIG. 4) for acquiring payment position information (for example, the position information of the payment server 20) indicating the position of the user. S42) and a settlement range storage means for storing the settlement possible range of the user as the settlement range in association with the user (for example, the settlement range designation area 24 in FIG. 3B).
1f) determining whether or not the payment position information acquired by the payment position acquisition means is within the payment range of the user stored in the payment range storage means; And a settlement permitting means for permitting the settlement when it is determined that there is any (for example, steps S44 to S51 in FIG. 7 executed by the CPU 21 in FIG. 4).

According to the first aspect of the present invention, in an electronic payment apparatus for performing an electronic payment based on the user's payment information input by the input means, the payment position acquisition means inputs the payment information by the input means. In this case, the settlement position information indicating the position of the user is obtained, the settlement range storage means stores the settable range of the user as the settlement range in association with the user, and the settlement permitting means Determining whether the payment position information obtained by the payment position obtaining means is within the payment range of the user stored in the payment range storage means, and determining that the payment position information is within the payment range. In such a case, by permitting the settlement, the range in which the user can execute the electronic settlement can be limited. As a result, the use of the card outside the range desired by the user can be refused, so that damage can be reduced when the card is stolen or lost.

[0011]

Embodiments of the present invention will be described below in detail with reference to the drawings. First, the configuration will be described. FIG.
FIG. 1 is a diagram conceptually showing the overall configuration of an electronic payment system 100 according to the present invention. As shown in FIG. 1, an electronic settlement system 1 according to the present embodiment is installed in a settlement terminal 1 installed in a store or a restaurant, and in a settlement center that actually performs settlement based on a determination result of settlement permission. A payment server 20, a payment agent server 30 installed in a payment agent company such as a bank or a credit card company, and a portable terminal 4 carried by the user.
And 0 are connected and configured to be able to transmit and receive data to and from each other via the network N.

The network N is an information network (communication network) dedicated to electronic settlement constructed using a dedicated line or an existing general public line, and is a WAN (Wide Area Network).
Various circuit forms such as k) and LAN (Local Area Network) can be applied. The connection between each server or terminal may be wired or wireless. However, from the viewpoint of the reliability of the payment information management involving the privacy of the user, it is desirable that the network is a network that ensures security that only a specific user can access.

Hereinafter, the internal configuration of the settlement terminal 1 will be described in detail with reference to FIG. FIG. 2 is a block diagram showing a functional configuration of the payment terminal 1. As shown in FIG. 2, the payment terminal 1
Denotes CPU 2, input unit 3, RAM 4, card reader 5, G
It comprises a PS 6, a transmission control unit 7, a display unit 8, a printing unit 9, a POS terminal unit 10, and a storage unit 11 having a recording medium 11 a. Each unit excluding the recording medium 11 a is a computer connected by a bus 12. .

CPU (Central Processing Unit) 2
Reads out various control programs stored in the recording medium 11a of the storage unit 11 and develops them in the RAM 4,
The operation of each unit is centrally controlled according to the control program.
Further, the CPU 2 executes a settlement possibility determination process, a POS terminal process, and the like, which will be described later, according to the control program developed in the RAM 4, stores the processing result in the RAM 4, and causes the display unit 8 to display the processing result. Then, the processing result stored in the RAM 4 is stored in a predetermined storage destination in the storage unit 11 or the recording medium 11a.

The input unit 3 includes a keyboard having character / alphanumeric input keys, cursor keys, various function keys, and the like.
And a mouse as a pointing device, and outputs to the CPU 2 an input signal of a key press signal pressed by a keyboard and an operation signal of the mouse as input signals.

A RAM (Random Access Memory) 4 is a C
In various processes described below that are controlled by the PU2,
A temporary storage area for a system program, a control program, input or output data, parameters, and the like that can be executed on the payment terminal 1 read from the storage unit 11 is formed.

The card reader 5 is a dedicated device for reading magnetic cards such as credit cards and cash cards (hereinafter simply referred to as "cards").
The magnetic data recorded on the magnetic portion of the card coated with a magnetic material is read by a head, converted into a digital signal, and output to the CPU 2. The card reader 5 includes, for example, a slide type in which a card passes through a slit and an insertion type in which a card is inserted into a slot.

GPS (Global Positioning System) 6
Acquires the installation position of the settlement terminal 1 as the settlement position,
It is a position detection device that outputs to PU2. At least three GPS orbits from the ground at an altitude of tens of thousands km
This is performed by receiving a radio wave from a satellite and measuring a two-dimensional (latitude / longitude) position.

The transmission control unit 7 includes a router and a TA (Terminal).
Adapter) etc., dedicated line or ISDN
(Integrated Service Digital Network) Payment server 2 connected to network N via a communication line such as a line
0, communication control with the payment agency server 30 and the mobile terminal 40 is performed.

The display unit 8 includes an LCD (Liquid Crystal Dis
play) and CRT (Cathode Ray Tube),
In accordance with the instruction of the display signal input from the CPU 2, various information (hereinafter, referred to as "payment information") necessary for the payment of the purchase information of the unit price of the product and the total price is displayed on the display screen in addition to the user information. .

The printing unit 9 is provided with continuous paper or cut paper as printing paper, and in accordance with a printing instruction from the CPU 2,
The settlement information, the store name, and the like are printed on printing paper by a printing method such as a thermal method, an ink jet method, and an electrophotographic method, and the print result is output as a settlement slip.

The POS (Point Of Sales) terminal unit 10
A terminal that manages sales information in stores and restaurants,
Collect, accumulate, and analyze sales for each product. A scanner or handy terminal for reading the barcode attached to the price tag of the product is connected to obtain product information. Note that P
Although the OS terminal unit 10 is described as a component of the payment terminal 1, the OS terminal unit 10 may be configured separately from the payment terminal 1.

The storage unit 11 has a recording medium 11a in which programs, data, and the like are stored in advance.
a is a magnetic or optical recording medium or a nonvolatile memory such as a semiconductor. PLU file 111
Stores sales information inside as shown in FIG. Hereinafter, an example of data storage in the PLU file 111 will be described in detail with reference to FIG.

FIG. 3A shows a PLU in which sales information of a store or a restaurant where the settlement terminal 1 is installed is stored for each PLU code.
FIG. 4 is a diagram illustrating an example of data storage in a file 111. PL
The U file 111 stores numeric string data (for example, “01234567”,...) For identifying a product in “PLU (Product
PLU code area 1 stored as “Look Up) code”
11a, a product name area 111b storing character string data (for example, “PC”,...) Indicating the name of the product purchased by the user as a “product name”, and a numerical value indicating the unit price of the product purchased by the user Data (for example, "231,000", ...)
Is stored as a “unit price” and numerical data indicating the number of products purchased by the user (for example,
..) As the “sales quantity”.

Next, the internal configuration of the settlement server 20 will be described with reference to FIG. FIG. 4 is a block diagram showing a functional configuration of the settlement server 20. As shown in FIG. 4, the settlement server 20 includes a CPU 21, a RAM 22, a transmission control unit 23,
The computer is configured to include at least a storage unit 24 having a recording medium 24a, and each unit except the recording medium 24a is a computer connected by a bus 25.

The CPU 21 develops a program or data to be executed from various programs corresponding to the settlement server 20 stored in the storage unit 24 into the RAM 22,
Various processes according to the program are executed according to the data, and the processing results are temporarily stored in a predetermined area in the RAM 22.

The transmission control unit 23 is composed of a router, a TA, and the like, and controls communication with terminals connected to the network N via a dedicated line or a communication line such as an ISDN line.

The storage unit 24 has a recording medium 24a in which programs, data, and the like are stored in advance.
a is a magnetic or optical recording medium or a nonvolatile memory such as a semiconductor. The recording medium 24a is fixedly provided in the storage unit 24 or is detachably mounted. The recording medium 24a has a system program corresponding to the settlement server 20, and a settlement executable on the system program. It stores various processing programs such as an availability determination processing program and data processed by these programs. Each of these processing programs is stored in the form of a readable program code,
U21 sequentially executes the operation according to the program code.

A part or all of the programs and data stored in the recording medium 24a are received from the transmission control unit 23 via a transmission medium of a network line such as WAN or LAN from a server or another device of a client. hand,
It may be configured to store. Alternatively, the program may be transmitted to a server or a client via a transmission medium such as a network line and installed in these devices. The programs and data include those realized by firmware integrated with computer hardware.

The storage unit 24 has therein a customer DB (DataBase) 241 for storing data relating to customers who are users. As shown in FIG. 3B, the customer DB 241 has a name area 241a, a card number area 241b, an expiration date area 241c, an account number area 241d, and an address area 2 therein.
41e, a settlement range designation area 241f, a mobile phone number area 241g, and a settlement condition same location designation area 241h. Hereinafter, an example of data storage in each of these areas will be described in detail.

FIG. 3B is a diagram showing an example of data stored in the customer DB 241 for storing card user information and card information for each user name. That is, the customer DB 241
Character data representing the name of the card user (for example,
A name area 241a for storing “A”, “B”,...) As a “name”, and a code for identifying the card (for example, “XXXXX”, “Δ”,...) Is stored as a “card number” in the card number area 241b, and year / month data indicating the expiration date of the card (for example, “2003.Ma
r ”,“ 2004.Oct ”,...) as an“ expiration date ”, and a code (for example, a code for identifying a user's account to be debited at the payment agency financial institution at the time of settlement) , “XXXXX”, “、”,…)
No. area 241d that stores the “account number”
And

Further, the customer DB 241 stores character data (for example, "○ prefecture ○") representing the address or location of the card user.
An address area 241e for storing “ward ○ town”, “△ prefecture △ ward @ town”,...) As “address”, and character data (eg, “OK”,
"No" is classified into four areas: city, prefecture, domestic, and overseas, and a payment range designation area 241f is stored as "payment range designation", and numeric data representing a telephone number carried by the card user ( For example, “090-111-1111”, “090-222-22”
22 ”,...) As a“ mobile phone number ”, and whether or not the same location (position) of the payment terminal 1 and the mobile terminal 40 is specified as a payment enabling condition. Character data (for example, "OK" or "NO")
Is set as “settlement-condition-same-location designation”.

Although the configuration of the payment server 20 and the payment terminal 1 functioning as the electronic payment device according to the present invention has been described above, the main configuration of the payment acting server 30 required for carrying out the invention is as follows. Therefore, each component is denoted by the same reference numeral, and illustration and description of the configuration will be omitted. That is, the payment acting server 30
1, a storage unit 34 having a RAM 32, a transmission control unit 33, and a recording medium 34a. Each unit except the recording medium 34a is a computer connected by a bus 35. The mobile terminal 40 required for the settlement server 20 to acquire the current position of the user is a generally used mobile phone or PDA (Personal Digital Assistance).

Next, the operation will be described. The payment terminal process executed by the payment terminal 1 will be described with reference to the flowchart in FIG. As a premise of the description of the operation, a program for realizing each function described in the following flowchart is stored in the form of a readable program code on the recording medium 11a, and the CPU 2 complies with the program code. Execute the operation sequentially. Also,
The CPU 2 can also sequentially execute an operation according to the program code transmitted via the transmission medium. That is, it is possible to execute an operation unique to the present embodiment using a program or data supplied from the outside via a transmission medium in addition to the recording medium 11a.

When the card is inserted into the insertion section of the card reader 5 (step S1; Yes), the CPU 2 starts reading magnetic data recorded on the card (step S2), and transfers the read magnetic data to the RAM 4. (Step S3). This magnetic data includes
At least data indicating the card number and the expiration date described above are included.

On the other hand, when the card is not inserted into the insertion portion of the card reader 5 (step S1; No), the CPU 2
Waits for the input of the total amount from the POS terminal unit 10 (step S9). If there is an input of the total amount (Step S9; Yes), the total amount is temporarily stored in the RAM 4 (Step S10), and the process proceeds to Step S4 and subsequent steps.

Here, the process of outputting the total amount from the POS terminal unit 10 to the CPU 2 will be described in detail with reference to FIG. 6, first, the CPU 2 determines whether or not data has been input (step S21). This data entry
The input may be from any of the input unit 3 or an input device such as a barcode reader provided in the POS terminal unit 10.

When the CPU 2 detects the input, it determines whether or not the input data is a PLU code (step S22). As a result of the determination, if the input data is a PLU code (step S22; Yes), the CPU 2 searches the PLU file 111 in the storage unit 11 (step S23), and sells the number of products corresponding to the input PLU code. Is added to update the PLU file 111 (step S24).

When the update of the PLU file 111 is completed, the CPU 2 adds the price of the purchased product of the user stored in the PLU file 111 (step S2).
5) Then, the total amount is stored in the RAM 4 (step S10 in FIG. 5).

As a result of the determination in step S22, when the CPU 2 determines that the input data is not a PLU code (step S22; No), the input data is input to determine whether or not electronic payment by a card is possible (hereinafter referred to as "input"). , "Credit closing input") is determined (step S26).

If the result of the determination is that the input data is a credit closing input (step S26; Yes),
The CPU 2 transmits the total amount desired for electronic settlement from the transmission control unit 7 to the payment acting server 30 via the network N (step S27). After the transmission, the CPU 2 waits to receive a payment notification indicating whether electronic payment is possible from the payment acting server 30 (step S28).

Next, the CPU 2 determines whether or not the received payment notice permits electronic payment of the target user (step S29). If the result of the determination is that the payment is permitted (step S29; Yes), the CPU 2
Determines that electronic payment is possible, and performs a credit closing process (step S30). Here, the credit closing process is a procedure process in which the store requests the payment agency financial institution to secure the balance to secure collection of the payment from the user, and the payment terminal 1 sends the payment agency server 3
This is done by notifying 0 of the total amount and the date of withdrawal.

On the other hand, as a result of the determination in step S29, if the received payment notification is not a payment permission notification (step S29; No), the CPU 2 sets a character string indicating that the credit closing process cannot be performed (for example, “balance”). Electronic payment is not possible due to lack of information. ") Is displayed on the display unit 8 (step S32), and the series of total amount output processing ends. At this time, if the display content is output on a print sheet and printed out from the print unit 9, the settlement permission notice can be handed to the customer in a written form.

If the result of determination in step S26 is that the input data is not a credit closing input (step S26; No), the CPU 2 performs another closing process, and ends the total amount output process.

Returning to FIG. 5, in step S4, the CPU 2
Monitors whether both the total amount data and the magnetic data are stored in the RAM 4 (step S4). When it is confirmed that both data are stored (step S4;
Yes), the CPU 2 transmits the total amount data stored in step S10, the magnetic data stored in step S3, and the identification information (payment terminal ID) of the payment terminal 1 stored in the storage unit 11 in advance, to the transmission control unit 7 Payment server 2
0 (step S5), and waits for receipt of the settlement completion notification (step S6).

When the CPU 2 detects the receipt of the payment completion notification from the payment server 20 (step S6; Yes), it transfers the received payment completion notification to the POS terminal unit 10 (step S7). Subsequently, the CPU 2 displays the settlement completion notification on the display unit 8 and prints out the same from the printing unit 9 to notify the customer and the clerk that the settlement has been completed normally. Then, the total amount data and the magnetic data stored in the RAM 4 are cleared (erased) (step S8),
A series of payment terminal processing ends.

On the other hand, in step S6, when the CPU 2 detects the receipt of the settlement refusal notice from the settlement server 20 (step S6; No), the received settlement rejection notice is sent to the PO.
The data is transferred to the S terminal unit 10 (step S11). continue,
The CPU 2 displays the settlement refusal notice on the display unit 8 and prints out from the printing unit 9 to notify the customer and the clerk that the settlement has been rejected. Then, the total amount data and the magnetic data stored in the RAM 4 are cleared (erased).
Then (step S8), a series of payment terminal processing ends.

Next, the settlement possibility determination processing, which is the gist of the present invention, will be described with reference to FIGS. As a premise of the operation description, a program for realizing each function described in the following flowchart is stored in the form of a readable program code in the recording medium 24a, and the CPU 21 complies with the program code. Execute the operation sequentially. Further, the CPU 21 can also sequentially execute an operation according to the program code transmitted via the transmission medium. That is, it is possible to execute an operation unique to the present embodiment using a program or data supplied from outside via a transmission medium in addition to the recording medium 24a.

First, the CPU 21 determines a customer who makes electronic payment based on the magnetic data received from the payment terminal 1 by the transmission control unit 23, and stores the customer DB 24 shown in FIG.
1 to search for data relating to the customer who is the settlement requester, and store the address data corresponding to the customer in the address area 241e.
From the settlement range designation area 241e
(Step S41).

Next, the CPU 21 acquires the installation position of the settlement terminal 1 detected by the GPS 6 as position information,
Based on the position information, the address of the store or restaurant where the settlement terminal 1 is installed (hereinafter, referred to as “terminal address”) is obtained (step S42). Next, the CPU 21 determines whether the total amount of the electronic payment transmitted from the payment terminal 1 in step S5 of FIG. 5 is equal to or more than 10,000 yen or less than 10,000 yen (step S43).

If the result of the determination is that the total amount of the electronic payment is 10,000 yen or more (step S43; Yes), the CPU 2
1 determines whether or not settlement overseas (foreign country) is permitted based on the settlement range designation data acquired in step S42 (step S44). As a result of the determination, when it is determined that the settlement overseas is permitted (step S44; Yes), the CPU 21 needs to confirm whether the settlement terminal 1 is installed overseas. Then, it is determined whether or not the terminal address acquired in step S42 is an overseas address (step S45).

If the result of the determination is that the terminal address is not an overseas address (step S45; No), the same processing as in steps S44 to S45 is performed for the possibility of domestic settlement. That is, the CPU 21 determines whether or not settlement in Japan is permitted based on the settlement range designation data acquired in step S42 (step S46). If it is determined that domestic settlement is permitted (step S46; Yes), the CPU 21 determines
In order to confirm whether or not the payment terminal 1 is installed in a country, it is determined whether or not the terminal address acquired in step S42 is a domestic address (step S47).

If the result of this determination is that the terminal address is not a domestic address (step S47; No), the same processing as in steps S46 to S47 is performed for the possibility of settlement within the prefecture. That is, the CPU 21 determines whether or not settlement within the prefecture is permitted based on the settlement range designation data (step S48). As a result of the determination, when it is determined that the settlement in the prefecture is permitted (step S4
8; Yes), the CPU 21 determines whether or not the terminal address and the user's address are in the same prefecture in order to confirm whether or not the settlement terminal 1 is installed in the prefecture (step S49). .

As a result of the determination, if the terminal address is not in the same prefecture as the address of the user (step S49; No), the same processing as in steps S48 to S49 is performed for the possibility of settlement in the city. That is, the CPU 21 determines whether or not settlement in the city is permitted based on the settlement range designation data (step S50). As a result of the determination, when it is determined that the settlement in the city is permitted (step S50; Yes), the CPU 21 checks whether the settlement terminal 1 is installed in the city or not.
It is determined whether the terminal address is in the same city as the address of the user (step S51).

If the result of this determination is that the terminal address is not in the same city as the user's address (step S51; No), the CP
U21 shifts to the processing after step S52. That is,
The CPU 21 searches the customer DB 241 for data relating to the customer identified in step S41, and reads the mobile phone number data corresponding to the customer from the mobile phone number area 241g, and sets the settlement condition data to the settlement condition same place designation area 24.
1h (step S52).

Next, the CPU 21 acquires the current position of the portable terminal 40 carried by the customer as user position information based on the acquired portable telephone number (step S5).
3). The acquisition of the user location information is performed using radio waves transmitted to the nearest base station B with which the mobile terminal 40 communicates. That is, the settlement server 20 receives the position signal transmitted from the mobile terminal 40 via the base station B (see FIG. 1) and the network N by the transmission control unit 23, and based on the received position signal, the mobile terminal The cell in which 40 exists (the area under the control of base station B) is specified. Then, the position of the specified cell is acquired by the CPU 21 as user position information.

Next, the CPU 21 determines whether or not the same location is designated as the payment condition of the corresponding customer based on the payment condition data obtained in step S52 (step S54). This judgment is made when the settlement condition data is "OK"
In the case of, it is determined that the same place is designated as the settlement condition, and in the case of "No", the same place is not designated as the settlement condition (that is, the user position is not confirmed). It is done by judging that it is.

If the result of determination in step S54 is that the same location has been designated as a customer settlement condition (step S54; Yes), the CPU 21 proceeds to step S42.
Then, the position information of the payment terminal 1 acquired at step S53 is compared with the position information of the mobile terminal 40 acquired at step S53 (step S55). The determination that the comparison results are the same
Although it is not necessary for the two pieces of location information to completely match, in order to maintain a certain level of accuracy of location confirmation, for example, when the address number and address specified by both pieces of location information match, the location information is the same. Is determined.

If the result of determination in step S55 is that the position information of payment terminal 1 and the position information of portable terminal 40 do not match (step S55; No), CPU 21 determines the installation position of payment terminal 1 and the current position of portable terminal 40. Is different (that is, the payment requester and the mobile terminal 40 are different fraudulent users), and a payment rejection notification notifying the customer of the rejection of the electronic payment is transmitted to the payment terminal 1 (step S56).

On the other hand, if the same location is not specified as the payment condition of the customer in step S54 (step S54; No), and in step S55, the location information of the payment terminal 1 and the location information of the portable terminal 40 match. In this case (Step S55; Yes), the CPU 21
It is determined that the installation position of the settlement terminal 1 and the current position of the portable terminal 40 are the same (that is, the settlement requester and the portable person of the portable terminal 40 have the same regular use), and permit the customer to permit electronic settlement. The settlement permission notice to be notified is transmitted to the settlement terminal 1 (step S57). Then, when the processing of step S56 or step S57 ends, a series of payment availability determination processing ends.

Steps S45, S47, S49,
In each step of S51, when the terminal address and the user's address are in the same area (any of overseas, domestic, prefecture, and city), the CPU 21 immediately determines the same place described in step S52 and thereafter. Move on to processing.

As described above, according to the settlement server 20 of the present embodiment, the settlement information of the user input from the settlement terminal 1 is received via the network N and electronic settlement is performed. A transmission control unit 23 for receiving the transmitted location information of the payment terminal 1 and a payment range designation area 24 for storing a range in which a user can perform payment as a payment range.
If the position information of the payment terminal 1 received by the transmission control unit 23 is within the payment range of the user stored in the payment range designation area 241f, the payment is permitted. As a result, payment can be performed only when the payment terminal 1 within the usable range of the card designated by the user in advance is used. Therefore, the feasible range of electronic settlement can be limited. For example, if the normal use range is in the city, if the settlement outside the city is refused, unauthorized use such as impersonation by others can be prevented.

According to the settlement server 20, the mobile phone number area 241g stores the mobile phone number of the mobile terminal 40 carried by the user as identification information, and the identification information stored in the mobile phone number area 241g. , The position of the mobile terminal 40 is acquired as the user position information, and the settlement is permitted when the received settlement position information and the acquired user position information match. Thereby, the payment terminal 1
Payment of users who are not in the same location as
It is possible to authenticate the card user in consideration of not only the position of the settlement terminal 1 but also the current position of the user. As a result, unauthorized use by a third party within the settlement range can be prevented, and the reliability of the electronic settlement system 100 can be improved.

Further, according to the settlement server 20, the settlement range designation area 241f is provided stepwise in a form including at least one of a city, a prefecture, a country, and a foreign country based on the address and the residence of the user. The set settlement range is stored. For this reason, it is possible to finely set the settlement range according to the user's action range.

Further, according to the settlement server 20, it is determined whether or not the settlement amount by the user has exceeded a certain amount, and if it is determined that the settlement amount has exceeded the certain amount, whether or not to permit the settlement is determined. Is determined. As a result, it is possible to reject the payment determination process when the payment amount is low,
Efficient electronic payment is possible, in which payment that is considered to be unlikely to be fraudulent is performed easily and quickly.

The description contents in the present embodiment are as follows.
This is a preferred example of the electronic settlement apparatus according to the present invention, and the present invention is not limited to this. For example, in this embodiment,
The settlement range is set in a predetermined area unit such as overseas, domestic, prefecture, city, etc., but a predetermined distance of 10 km radius, 50 km radius, 100 km radius, etc. around the user's home address or residence. By setting the settlement conditions within the range, it is possible to set a more detailed settlement range according to the user's action range.

In the present embodiment, the position information of the settlement terminal 1 is acquired by the GPS 6, but when the installation position of the settlement terminal 1 is fixed like a terminal provided in a store or a restaurant. For example, the store clerk may input location information of the settlement terminal 1 or use location information stored in advance. Accordingly, it is not necessary to provide the GPS 6, and the payment terminal 1 that realizes the contents of the present invention can be configured simply and inexpensively.

Further, in the present embodiment, a case where a store or a restaurant where the settlement terminal 1 is installed and a settlement center where the settlement server 20 is installed is located at a remote place, is illustrated via a communication network. Although electronic payment is performed, communication is not necessarily required. That is, by adding an input unit for inputting payment information of a user, a display unit for displaying payment information and the possibility of payment, a card reader, a printing unit, and the like to the payment server 20, the present invention can be applied to the payment server 20 alone. Electronic payment according to the above. Other, electronic payment system 10
Regarding the detailed configuration and the detailed operation of “0”, it can be appropriately changed without departing from the spirit of the present invention.

[0069]

According to the first aspect of the present invention, in an electronic payment apparatus for performing an electronic payment based on the user's payment information input by the input means, the payment position acquisition means uses the payment information by the input means. , The settlement position information indicating the position of the user is acquired, and the settlement range storage means stores the settable range of the user as the settlement range in association with the user, and sets the settlement permission. The means determines whether the payment position information obtained by the payment position obtaining means is within the payment range of the user stored in the payment range storage means, and in the determination, is within the payment range. If it is determined that the settlement is permitted, the range in which the user can execute the electronic settlement can be limited. As a result, the use of the card outside the range desired by the user can be refused, so that damage can be reduced when the card is stolen or lost.

According to the second aspect of the present invention, there is provided a payment terminal having input means for inputting payment information of a user;
An electronic payment device including an electronic payment determination device connected to the payment terminal via a communication network, wherein the electronic payment determination device includes the payment position acquisition unit, the payment range storage unit, And a payment permitting means, wherein the payment location acquiring means receives and acquires payment location information indicating the location of the payment terminal transmitted from the payment terminal via a communication network, and the payment permitting means comprises: When the settlement position information received and acquired by the settlement position acquisition unit is within the settlement range of the user stored in the settlement range storage unit, settlement is permitted. As a result, the same effect as that of the first aspect can be obtained even when the electronic payment requesting place is located at a remote place from the place where the electronic payment is actually performed.

According to the third aspect of the present invention, there is provided an electronic settlement apparatus including a portable terminal carried by the user, wherein the identification information storage means stores identification information of the portable terminal carried by the user. The user position obtaining means obtains the position of the portable terminal as user position information based on the identification information stored in the identification information storage means, and the payment determining means includes the payment position obtaining means. When the settlement position information acquired by the above and the user position information acquired by the user position acquisition means match, the settlement is permitted. For this reason, in addition to the effect of the invention described in claim 1 or 2, in addition to the settlement position, by rejecting the settlement of the user who is not at the settlement position, the card use taking into account not only the settlement position but also the current position of the user. Authentication of the person becomes possible. As a result, unauthorized use of a third party within the payment range can be prevented, and the reliability of the electronic payment device can be further improved.

According to the fourth aspect of the present invention, the settlement range storage means stores, in the city,
By storing the settlement range set in stages in a form including at least one of the prefecture, domestic, and overseas, in addition to the effect of the invention according to any one of claims 1 to 3, It is possible to set a detailed payment range according to the action range.

According to the fifth aspect of the present invention, the settlement range storage means stores a settlement range that is set stepwise according to the distance from the user's address. In addition to the effect of the invention described in any one of the above, it is possible to set a more detailed settlement range according to the user's action range.

According to the sixth aspect of the present invention, the settlement amount judgment means judges whether or not the settlement amount by the user has exceeded a certain amount, and the settlement judgment means uses the settlement amount judgment means to When it is determined that the payment amount exceeds a certain amount, it is determined whether to permit the payment. Accordingly, in addition to the effect of the invention according to any one of claims 1 to 3, by prohibiting the settlement determination processing when the settlement amount is low, the settlement that is considered to be unlikely to be illegally used can be simplified and quickly performed. Can be done.

According to the seventh aspect of the present invention, in the electronic payment system for performing electronic payment by transmitting the user's payment information input from the payment terminal to the electronic payment determination device via a communication network. The payment position transmitting means provided in the terminal transmits payment position information indicating the position of the payment terminal to the electronic payment determination device, and the payment position receiving means of the electronic payment determination device is transmitted by the payment position transmission device. Receiving the payment position information, the payment range storage means,
Storing a range in which the user can make a payment as a payment range,
The settlement determination means allows the user to settle when the settlement position information received by the settlement position receiving means is within the settlement range of the user stored in the settlement range storage means. Limit the scope of settlement. This makes it possible to refuse the use of the card outside the range desired by the user, even if the place of request for the electronic payment is located at a place remote from the place where the electronic payment is actually made. Loss can be reduced when lost.

According to the invention described in claim 8, a portable terminal device which is carried by a user and is connected to an electronic settlement judging device via a communication network when carrying out electronic settlement, and the position of the portable terminal device As user position information of the electronic payment, comprising a user position transmitting means for transmitting to the electronic payment determination device, the user position information transmitted from the portable terminal device, the electronic payment determination device Payment is permitted according to the result of comparison with the predetermined position information. Therefore, it is possible to reject electronic payment when the current position of the user of electronic payment and the payment position are different, and it is possible to perform payment based on highly reliable personal authentication. As a result, it is possible to reduce damage to the user when the card used for electronic payment is stolen or lost.

According to the ninth aspect of the present invention, when the settlement information of the user is input and the settlement information is input,
Payment position information indicating the position of the user is acquired, and a settable range of the user is stored as a payment range in association with the user, and the acquired payment position information is stored. It is determined whether or not the payment is within the payment range of the user, and if it is determined that the payment is within the payment range, the payment is permitted, thereby limiting the range in which the user can perform electronic payment. it can. As a result, the use of the card outside the range desired by the user can be refused, so that damage can be reduced when the card is stolen or lost.

According to the tenth aspect of the present invention, the function of inputting the user's payment information to the computer which controls the electronic payment based on the user's payment information, A function of acquiring payment position information indicating a position of a user, a function of storing a range in which the user can perform payment as a payment range in association with the user, and the acquired payment position information being stored. A function to determine whether or not the payment is within the payment range of the user, and a function of permitting the payment if the determination is that the user is within the payment range. Sales and distribution of the software as a single product are also facilitated. Also, by executing the program using hardware resources such as a general-purpose computer,
The electronic payment technology of the present invention can be easily implemented on hardware.

[Brief description of the drawings]

FIG. 1 is a diagram conceptually showing the overall configuration of an electronic payment system 100 according to the present invention.

FIG. 2 is a block diagram showing a functional configuration of the settlement terminal 1 of FIG.

3 is a diagram illustrating an example of data storage in a payment terminal 1 or a payment server 20 included in the electronic payment system 100 in FIG. 1; FIG. 3A is a diagram illustrating an example of data storage in a PLU file 111 in FIG. 2; FIG. 5B is a diagram showing an example of data storage in the storage unit 24 of FIG.

FIG. 4 is a block diagram showing a functional configuration of the settlement server 20 of FIG.

FIG. 5 is a flowchart showing an operation of a payment terminal process executed by the payment terminal 1 of FIG. 2;

FIG. 6 is a flowchart showing an operation of a total amount output process executed by the settlement terminal 1 of FIG. 2;

FIG. 7 is a first half of a flowchart showing an operation of a settlement possibility determination process executed by the settlement server 20 of FIG. 4;

FIG. 8 is a latter half of a flowchart showing an operation of a settlement possibility determination process executed by the settlement server 20 of FIG. 4;

[Explanation of symbols]

 Reference Signs List 1 payment terminal 2 CPU 3 input unit 4 RAM 5 card reader 6 GPS 7 transmission control unit 8 display unit 9 printing unit 10 POS terminal unit 11 storage unit 111 PLU file 11a recording medium 12 bus 20 payment server 21 CPU 22 RAM 23 transmission control Unit 24 storage unit 241 customer DB 24a storage medium 25 bus 30 payment agent server 40 mobile terminal 100 electronic payment system

Claims (10)

[Claims] An electronic payment apparatus for performing electronic payment based on payment information of a user input by an input means, wherein payment position information indicating a position of the user when the payment information is input by the input means is provided. Settlement position acquisition means to be acquired, a settlement range storage means for storing a settable range of the user as a settlement range in association with the user, and settlement position information acquired by the settlement position acquisition means,
Settlement permitting means for determining whether or not the user is within the settlement range stored in the settlement range storage means, and permitting the settlement if it is determined to be within the settlement range in the determination, An electronic payment device comprising: 2. An electronic payment apparatus comprising: a payment terminal provided with input means for inputting payment information of a user; and an electronic payment determination device connected to the payment terminal via a communication network. The electronic payment determination device, the payment position acquisition means,
The payment range storage means, the payment permission means, wherein the payment position acquisition means receives and acquires payment position information indicating the position of the payment terminal transmitted from the payment terminal via a communication network. Wherein the settlement permitting means permits the settlement when the settlement position information received and acquired by the settlement position acquiring means is within a settlement range of the user stored in the settlement range storage means. The electronic payment device according to claim 1, wherein: 3. An electronic settlement apparatus comprising a portable terminal carried by the user, wherein the identification information storage means stores identification information of the portable terminal carried by the user, and the identification information storage means stores the identification information. A user position acquisition unit that acquires the position of the portable terminal as user position information based on the identification information that has been set, wherein the settlement permission unit acquires the settlement position acquired by the settlement position acquisition unit. 3. The electronic settlement apparatus according to claim 1, wherein the settlement is permitted when the information and the user position information acquired by the user position acquisition unit match. 4. The settlement range storage means stores a settlement range set in stages in a form including at least one of city, prefecture, domestic, and overseas based on the address of the user. The electronic settlement apparatus according to any one of claims 1 to 3, wherein: 5. The settlement range storage unit according to claim 1, wherein the settlement range storage unit stores a settlement range set in stages according to a distance from the user's address. Electronic payment device. 6. A settlement amount judging means for judging whether or not the settlement amount by the user has exceeded a fixed amount, wherein the settlement permitting means sets the settlement amount by the settlement amount judging means. 2. The method according to claim 1, wherein when it is determined that the payment is exceeded, it is determined whether to permit the settlement.
Electronic settlement apparatus according to any one of claims 1 to 3. 7. An electronic payment system for performing electronic payment by transmitting payment information of a user input from a payment terminal to an electronic payment determination device via a communication network, wherein the payment terminal includes a position of the payment terminal. Payment position information indicating the payment position transmitting unit that transmits to the electronic payment determination device, the electronic payment determination device, the payment position receiving unit that receives the payment position information transmitted by the payment position transmission unit, A settlement range storage unit that stores a range in which the user can settle as a settlement range, and settlement position information received by the settlement position receiving unit,
An electronic payment system, comprising: payment determination means for permitting payment when the payment is within the payment range of the user stored in the payment range storage means. 8. A portable terminal device carried by a user and connected to an electronic settlement judging device via a communication network when performing electronic settlement, wherein information indicating the position of the portable terminal device is used for electronic settlement. User position transmitting means for transmitting to the electronic payment determination device as user position information, the user position information transmitted from the mobile terminal device, and the position information predetermined in the electronic payment determination device A mobile terminal device wherein payment is permitted according to a comparison result. 9. Entering payment information of a user, acquiring payment position information indicating a position of the user when the payment information is input, and setting a range in which the user can perform payment to the user. It is determined whether or not the acquired payment position information is within the stored payment range of the user, and is determined to be within the payment range by the determination. Electronic payment method that allows payment in case of payment. 10. A function for inputting payment information of a user to a computer that controls electronic payment based on payment information of the user, and payment position information indicating a position of the user when the payment information is input. And a function of storing a settable range of the user as a settlement range in association with the user; and a setting range of the user in which the acquired settlement position information is stored. And a function for permitting the settlement if it is judged that it is within the settlement range in the judgment.