JP2002373305A - Method for authentication and settlement - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an authentication and settlement method with which commercial transactions can be performed with a selected card without being restrained by a settlement institution and which has an advanced security function and is convenient to both a seller and a buyer. SOLUTION: This authentication and settlement method is provided with a sales information receiving process for receiving the identification code of an authentication cord of the buyer, sales amounts and seller identification information from the seller who has provided merchandise to the buyer to which the identification code of settlement is given from the settlement institution in advance, and a proxy settlement requesting process for transmitting the identification code for settlement, the sales amounts and the seller identification information to the settlement institution to request settlement, standing in for the seller instead of a conventional authentication and settlement method using a card.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] The present invention relates to an authentication settlement method. In particular, the present invention relates to an authentication and settlement method characterized by authentication and settlement procedures.

[0002]

2. Description of the Related Art An automatic fare settlement terminal is used for electronic settlement, for example, as an unmanned settlement machine in a parking lot. For example, in the case of performing electronic payment using a credit card, a card reader corresponding to a specific credit card or the like is provided in the automatic charge settlement terminal, and the charge settlement is performed by a specific settlement center. In recent years, prepaid electronic money, ICs, credit cards, debit cards, etc.
Cards that can be used for payment are increasing. These payment means also use a dedicated card reader corresponding to a specific card provided in an automatic charge settlement terminal or the like, like a credit card.

[0003]

[0005] A purchaser who uses the settlement means cannot receive the electronic settlement service unless each automatic settlement terminal has a specific card corresponding to it. Sellers that provide payment means need to provide multiple types of card readers to support multiple types of cards in order to be used by many users. I'll get stuck.

[0004] The present invention has been devised in view of the above-described problems. Instead of the conventional authentication and settlement method, a business transaction can be performed with a card selected without being restricted by a settlement institution, and a high security is provided. It is an object of the present invention to provide an authentication and settlement method that has a function and is convenient for both sellers and purchasers.

[0005]

In order to achieve the above object, an authentication and settlement method for performing an authentication and settlement with a settlement institution using an authentication card on which a unique identification code is recorded according to the present invention comprises the steps of: The identification code obtained by reading the authentication card of the purchaser with a card reader from the seller who provided the goods or services to the buyer who has been provided with the settlement identification code from the institution and the sales which is the price of the goods or services. A sales information receiving step of receiving an amount and seller identification information for identifying the seller; and transmitting the payment identification code, the sales amount, and the seller identification information previously associated with the identification code to the clearing house. Requesting payment on behalf of the seller to send to the proxy payment requesting step,
It was provided with.

[0006] According to the configuration of the present invention, when a seller provides goods or services to a buyer to whom a payment identification code has been previously assigned by a payment institution, the seller receives the identification code and the identification code in the sales information receiving step. The sales amount and the seller identification information are received, and in the proxy settlement requesting step, the settlement identification code, the sales amount, and the seller identification information are transmitted to the settlement institution to request settlement, so that the buyer The settlement institution can settle the receivables and payables of the seller of the buyer without informing the buyer of the settlement identification code, and the buyer can purchase the goods or services with confidence.

In order to achieve the above object, an authentication and settlement method for performing an authentication and settlement with a settlement institution using an authentication card in which a unique identification code according to the present invention is recorded is related to a password from the settlement institution in advance. The identification code and the personal identification code obtained by reading the authentication card of the purchaser with a card reader from the seller who provided the goods or services to the purchaser who has been issued the settlement identification code, and the price of the goods or services. A sales information receiving step of receiving the sales amount and the seller identification information for identifying the seller; the settlement identification code, the password, the sales amount, and the seller identification which are previously associated with the identification code. A settlement requesting step of transmitting information to the settlement organization and requesting settlement on behalf of the seller.

[0008] According to the configuration of the present invention, when a seller provides goods or services to a buyer to whom a payment identification code has been previously assigned in association with a personal identification code from a payment institution, the sales information is received in a sales information receiving step. Receiving the identification code, the PIN code, the sales amount, and the seller identification information from the party, and transmitting the payment identification code, the PIN code, the sales amount, and the seller identification information to the clearing house in the proxy payment requesting process. Since the settlement is requested, the settlement institution can settle the receivables and debts of the buyer's seller without using the buyer informing the seller of the settlement identification code, and furthermore, the secret code is used. Buyers can purchase goods or services with confidence, and sellers can conduct business with confidence.

Further, the authentication settlement method according to the present invention includes a credit inquiry step of transmitting the settlement identification code to the settlement institution, requesting a credit inquiry, and transmitting a result of the credit inquiry to the seller. , Was prepared. According to the configuration of the present invention, in the credit inquiry step, the credit inquiry is requested from the settlement institution, and the result of the credit inquiry is transmitted to the seller. Since goods can be handed over and services can be provided, business transactions can be made with peace of mind.

Further, in the authentication settlement method according to the present invention, the authentication card is issued by a third party. Here, the third party means any other person who is neither a purchaser, a seller, a settlement institution, nor a person who executes the authenticated settlement method. According to the configuration of the present invention, since the authentication card is issued by a third party, the authentication card can be selected without being restricted by the settlement institution, and the purchaser can use the authentication card properly.

[0011] In the authentication settlement method according to the present invention, the authentication card is an IC card having a semiconductor storage element therein, and the identification code is recorded in the semiconductor storage element when the IC card is manufactured. Code. According to the configuration of the present invention, since the authentication card is an IC card and the identification code is a primary code, buyers and sellers can make payments using the advanced security function of the IC card, Buyers and sellers can conduct business transactions with peace of mind.

[0012]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Preferred embodiments of the present invention will be described below with reference to the drawings. In each of the drawings, common portions are denoted by the same reference numerals, and redundant description will be omitted.

An authentication settlement method according to an embodiment of the present invention will be described. FIG. 1 is a conceptual diagram of an embodiment of the present invention.

The authentication settlement method according to the embodiment of the present invention includes an authentication card issuer 20 and a purchaser (so-called customer) 3.
0, seller (so-called shop) 40, and proxy authentication settlement institution 5
0 and a settlement institution (for example, a credit card company, a debit card company, a bank, etc.) 60 exist. It is preferable that the authentication card issuer 20 is neither the proxy authentication settlement institution 50 nor the settlement institution 60, but another person. The authentication card issuer 20 is a person who issues an authentication card with an identification code. The authentication card is, for example, an IC card. The IC card has a semiconductor storage element and a CPU inside. The authentication card issuer may be a primary issuer or a secondary issuer. The primary issuer is a manufacturer and seller of the IC card. The primary code is stored in the semiconductor memory element of the IC card issued by the primary issuer. The secondary issuer is to purchase an IC card from the primary issuer and issue it with its own authentication system, etc.
For example, transportation such as JR is applicable. A secondary code is stored in the semiconductor memory element of the IC card issued by the secondary issuer in addition to the primary code. Generally, the secondary code cannot be read unless it is a card reader prepared by the secondary issuer.

The purchaser (so-called customer) 30 is a person who purchases goods and services. Buyers usually have a savings currency in their bank account for settlement. The buyer purchases goods or services from the seller's store and pays currency for the purchase.

A seller (a so-called store) 40 provides goods and services to buyers. The seller is usually a member store of a clearing house (eg, a credit card company). For example, when a buyer pays for goods or services with his credit card, the seller makes a claim for a credit card company replacement payment. If the value is high, the seller makes a credit card inquiry to the credit card company.

The proxy authentication and settlement institution 50 implements the authentication and settlement method of the embodiment of the present invention. In carrying out this authentication settlement method, the proxy certification settlement agency separately contracts with the buyer, seller and settlement agency.

A clearing house (for example, a credit card company, a debit card company, a bank, etc.) 60 resolves the credit / debt relationship between the buyer and the seller. For example, a credit card company makes a contract with a buyer and issues a credit card. In addition, credit card companies also sign contracts with sellers. This merchant can claim to be a credit card merchant. When a purchaser purchases goods or services from a seller using a credit card, the credit card company pays the seller a currency in exchange for the goods or services. afterwards,
The credit card company bills the purchaser for money corresponding to the amount of money paid to the seller, and the buyer pays the money to the credit card company. In some cases,
According to the automatic transfer contract between the buyer and the bank that stores the buyer's savings currency, payment is made to the credit card company in the bank's savings currency.

Hereinafter, the authentication and settlement method according to the embodiment will be described with time. For convenience of explanation, it is assumed that the settlement institution 60 is a credit card company and the authentication card is an IC card. Payment Card (Credit Card) Issuing Procedure 1: The buyer 30 makes a contract with the credit card company 60. The credit card company 60 delivers a payment card (a so-called credit card) with an expiration date and a payment identification code to the buyer 30. Authentication card issuance procedure 2: Purchaser 30 obtains an IC card from authentication card issuer 20. Usually the buyer 30
Obtains an IC card from the secondary issuer 20. For example,
A purchaser obtains an IC card by purchasing a commuter pass from JR. The IC card records a primary code (corresponding to an authentication code) and a secondary code.
The primary code is recorded on the IC card at the time of manufacture by the primary issuer. The secondary code is recorded on the IC card at the time of issuance by JR.

Payment Card and Authentication Card Registration Procedure 3: The buyer 30 makes a contract with the proxy authentication and payment institution 50, and presents the IC card and the credit card. The agent authentication and settlement institution 50 records in advance the primary code (identification code) recorded on the IC card, the settlement identification code of the credit card, and the credit card company (corresponding to the settlement institution). Shopping procedure 4: Buyer 30 purchases goods or services from seller 40. The purchaser 30 presents the IC card to the seller 40. The seller 40 passes the IC card through a dedicated IC card reader to obtain a primary code (identification code) recorded on the IC card. If the price is even higher, the purchaser 30 is asked to input a password.

Credit reference procedure 5: The seller 40 transmits the acquired primary code (identification code) and personal identification number to the proxy authentication and settlement institution 50, and requests a credit introduction. Credit reference agency procedure 6: The proxy authentication clearing house 50 specifies the clearing identification code and clearing house recorded in connection with the primary code (identification code) sent from the seller 40. The agent authentication and settlement institution 50 transmits the settlement identification code and the personal identification number to the credit card company 60 and requests a credit inquiry. When a "no problem" answer is obtained from the credit card company, the answer is returned to the seller.

Sales Procedure 7: When the confirmation of “no problem” is obtained, the seller 40 gives the goods to the buyer 30 or provides services. Sales information transmission procedure 8: The seller 40 sends the acquired authentication code, password, sales amount, and seller identification code to the proxy authentication settlement institution 50. The seller identification information is information for identifying the seller, and is, for example, an identification code for computer processing given by a credit card company. Payment request agency procedure 9: The proxy authentication payment institution 50 transmits the payment identification code, the sales amount, and the seller identification information to the credit card company 60 and requests a payment procedure.

Repayment Procedure 10: The credit card company 60 repays the savings currency corresponding to the sales amount to the seller 40. If the seller 40 is not a credit card merchant, the credit card company 6
“0” makes a payment to the proxy authentication and settlement institution 50, and the proxy authentication and payment institution 50 pays the seller 40. Payment procedure 11: The credit card company 60 requests the purchaser 30 to pay a currency corresponding to the paid-out amount in accordance with a normal procedure. Normally, since an automatic payment contract is made between the buyer 30 and the bank that holds the savings currency of the buyer 30, the savings currency at the buyer's bank is paid to the credit card company 60, and all payments are made. Complete.

By using the authentication settlement method of the above embodiment, the purchaser can purchase goods or services without informing his / her credit card information to the seller. Even if the seller is not a merchant of the credit card company with which the buyer has contracted, a proxy certification and settlement agency intervenes between them, so that the seller's credit can be referred and the sales amount of goods or services is equivalent. You can get paid for your money. In addition, if the seller has a card reader that can read the primary code of the authentication card issued by the authentication card issuer, the seller can sell with the card reader. In addition, if the purchaser uses a general-purpose authentication card that is widely available in the market, the seller can sell by preparing only a small number of card readers. In addition, if an IC card is used as the authentication card, the high security function of the IC card can be used, so that the purchaser can use the authentication card with confidence.

The present invention is not limited to the embodiment described above, and various changes can be made without departing from the gist of the invention. In the description, an example in which data exchange between the seller, the proxy authentication settlement institution, and the credit card company is performed online has been described. However, the present invention is not limited to this, and may be performed offline, for example. Further, the settlement institution has been described as a credit card company, but the present invention is not limited to this. For example, a debit card company or a bank may be used. Also, the authentication card has been described as an IC card, but is not limited to this.
For example, the same kind of card used in the future may be used. Further, the identification code has been described as the primary code, but is not limited to this. For example, a secondary code may be used as long as the code can be used for authentication. Further, the store is described as a credit card member store, but is not limited to this. In addition, a description has been given of performing a credit inquiry. However, the present invention is not limited to this. Also,
Although the description has been given of the case where the purchaser inputs the personal identification code, the present invention is not limited to this. For example, it is not necessary to input the personal identification code for a small transaction.

[0026]

As described above, the authentication settlement method of the present invention for performing the authentication settlement using the authentication card in which the unique identification code is recorded has the following effects due to its configuration. Even if the buyer does not inform the seller of the settlement identification code, the settlement institution can settle the receivables and payables of the seller of the buyer, and the buyer can purchase the goods or services with confidence. Further, even if the buyer does not notify the seller of the settlement identification code, the settlement institution can settle the receivables / debts of the buyer's seller and further uses the password, so that the buyer can use Products or services can be purchased with confidence, and sellers can conduct business transactions with confidence. In addition, the seller can deliver the goods or provide services to the purchaser by seeing the result of the credit inquiry of the clearing house, so that the seller can conduct business with confidence. In addition, the authentication card can be selected without being restricted by the settlement institution, and the purchaser can use the authentication card properly. In addition, buyers and sellers use IC
Payments can be made using the advanced security features of the card, and buyers and sellers can conduct business transactions with peace of mind. Therefore, it is possible to provide an authenticated settlement method that can perform commercial transactions with the selected card without being restricted by the settlement institution and has a high security function and is easy for both sellers and purchasers to use.

[0027]

[Brief description of the drawings]

FIG. 1 is a conceptual diagram of an embodiment of the present invention.

[Explanation of symbols]

 1 Payment card (credit card) issuance procedure 2 Authentication card issuance procedure 3 Payment card and authentication card registration procedure 4 Shopping procedure 5 Credit inquiry procedure 6 Credit inquiry agency procedure 7 Sales procedure 8 Sales information transmission procedure 9 Payment request agency procedure 10 Replacement Payment procedure 11 Payment procedure 20 Authentication card issuer 30 Purchaser (customer) 40 Seller (store) 50 Proxy authentication settlement agency 60 Payment agency (credit card company)

──────────────────────────────────────────────────の Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06K 19/10 G06K 19/00 S (72) Inventor Shigeru Matsuzaka 3-1-1, Toyosu, Koto-ku, Tokyo Ishikawajima Harima Heavy Industries, Ltd. Tokyo Engineering Center (72) Inventor Takeo Takeo 2-2-1 Otemachi, Chiyoda-ku, Tokyo Ishikawashima Harima Heavy Industries, Ltd. Head Office F-term (reference) 5B035 BB09 BC00 CA11

Claims (5)

[Claims] An authentication and settlement method for performing an authentication and settlement with a settlement institution using an authentication card in which a unique identification code is recorded, wherein a purchaser who has previously been provided with a settlement identification code from said settlement institution. The identification code acquired by reading the authentication card of the purchaser from the seller who provided the goods or services to the card reader with a card reader, the sales amount that is the compensation for the goods or services, and the seller identification information for identifying the seller. Receiving the sales information, and transmitting the payment identification code, the sales amount, and the seller identification information associated with the identification code in advance to the payment institution, and performing payment on behalf of the seller. Requesting proxy settlement requesting step, and an authentication settlement method. 2. An authentication settlement method for performing an authentication settlement with a settlement institution using an authentication card in which a unique identification code is recorded, wherein a settlement identification code is issued from the settlement institution in advance in association with a personal identification code. The identification code and the personal identification code obtained by reading the authentication card of the purchaser with a card reader from the seller who provided the goods or services to the purchaser and the sales amount corresponding to the goods or services and the sales. A sales information receiving step of receiving seller identification information for identifying a person, and transmitting the payment identification code, the password code, the sales amount, and the seller identification information associated with the identification code in advance to the clearing house. A payment requesting step of transmitting and requesting payment on behalf of the seller;
Authentication payment method characterized by comprising: 3. A credit inquiring step of transmitting the settlement identification code to the clearing house, requesting a credit inquiry, and transmitting a result of the credit inquiry to the seller. An authentication settlement method according to claim 1 or claim 2. 4. The authentication settlement method according to claim 1, wherein the authentication card is issued by a third party. 5. The IC card according to claim 1, wherein said authentication card is an IC card having a semiconductor memory element therein, and wherein said identification code corresponds to said IC
5. A primary code recorded in a semiconductor memory device when a card is manufactured.
Authentication payment method described in