JP2005115876A - Settlement processing system using portable terminal, store equipment, server, and portable terminal - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a settlement processing system using a portable terminal for shortening the response time required for settlement, preventing personal information leaks, and reducing communication cost. <P>SOLUTION: The settlement processing system using a portable terminal comprises store equipment 30 for inputting at least goods purchase amount information, a portable user terminal 10 connected through radio communications and storing card information, and a server 50 connected through mobile communication network and receiving card settlement requests from the portable terminal 10. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to a payment processing system using a mobile terminal that performs payment using a mobile terminal when paying for the purchase of a product or the like with a card.

  With the recent development of computers and communication networks, payment with credit cards and debit cards is performed when purchasing products at stores.

  The credit card has a cashless product purchase function and a credit sales function for settlement after a certain period. As shown in FIG. 7, the credit card settlement requires the card owner to present the credit card 80 to the store side when the product is purchased, so that the store 82 side reads the card information by a predetermined card information reading device 83 and is required. If so, the password is entered by the user, and the password information and card information are transmitted to the acquirer 85 via the dedicated line 84. The acquirer 85 transmits the information to the predetermined management terminals 86 and 87 via the network 88 for connecting to the management terminals 86 and 87 of the predetermined card company. The predetermined management terminals 86 and 87 determine whether or not to authenticate the payment based on information transmitted from the store 82, notify the store 82 of the result, and end the payment process.

  A debit card is a cash card used when a bank deposit is withdrawn, with a product purchase function added. It can be used within the framework of member financial institutions that handle debit cards and member stores. Payment by debit card, when the card owner presents the debit card to the store side at the time of purchase, the store side reads the card information with a predetermined card information reader, and at the same time, the user inputs the password, The PIN information and card information are connected to the member financial institution via a predetermined dedicated network, and the settlement amount for the purchase of goods, etc. is transferred from the user's deposit account to the member store's account and immediately settled. .

  In addition, a public line or ISDN line is used as a communication means between the current store and the card management company, and it costs about 7 yen per transaction.

  However, in the payment of magnetic or IC chip credit cards or debit cards for product purchases, etc., sign verification processing after presenting the magnetic credit card or PIN with IC chip credit card or debit card It takes about 20 to 30 seconds for the response process until the input process is performed, and other customers who are waiting in turn have a longer waiting time than when making a cash settlement. There is a background that it is difficult, and there is a problem that the spread of card use does not progress easily.

  In addition, the personal identification number or the like input for personal authentication of the user is normally input by the user using a 10 key or the like provided on a card reader installed at the store side. For this reason, although it has been devised so that it cannot be seen from the surroundings, there is a problem that there is a concern that the personal identification number is stolen.

  In addition, since the card payment requires handling the personal information strictly to protect the personal information, the card payment processing system of the IC chip type credit card has a problem that this security cost is enormous. There is. In addition, there is a problem that communication costs are high when performing magnetic credit card payment and debit card payment.

  The problem to be solved by the present invention includes the above-described problem as an example.

  Therefore, the present invention provides a payment processing method by a mobile terminal and a system thereof for the purpose of shortening response time for payment, preventing leakage of personal information, and reducing communication costs.

  The present invention will be described below. In order to facilitate understanding of the present invention, reference numerals in the accompanying drawings are appended in parentheses, but the present invention is not limited to the illustrated embodiment.

  In addition, the payment processing system using the mobile terminal of the present invention is connected to the store apparatus (30) for inputting at least the purchase price information of the product via wireless communication, and is a user's mobile terminal in which card information is stored. A payment processing system (100) using a portable terminal comprising (10) and a server (50) connected via a mobile communication network and receiving a card payment request from the portable terminal, The store apparatus includes purchase price information input means (31) for inputting purchase price information of a product, store ID information for specifying a store where the product is purchased in the purchase price information, and the purchase price of the product. A store purchase information generating means (33) for generating store purchase information by adding a terminal ID for specifying a terminal to be input, and transmitting the store purchase information to the portable terminal. Communication means (32) for receiving a payment result from the portable terminal, wherein the portable terminal adds payment information to the store purchase information and generates payment information; And a communication means (12) for transmitting the payment information to the server, receiving the payment result from the server, and transmitting the payment result to the store apparatus. The communication means (51) for transmitting the payment result based on the said portable terminal is provided.

  Further, the payment processing system using the mobile terminal of the present invention includes a store device that inputs at least purchase price information of a product, a mobile terminal of a user connected via wireless communication and storing card information, A server for receiving a card payment request from the mobile terminal, and a management terminal (71, 72) of a predetermined card organization (70) for determining whether or not to make a payment. A payment processing system using a portable terminal, wherein the store apparatus specifies purchase price information input means for inputting purchase price information of a product, and a store where the product is purchased in the purchase price information. Store purchase information generating means for generating store purchase information by adding a terminal ID for specifying a terminal for inputting the purchase price of the product and a terminal for inputting the purchase price of the product, Communication means for transmitting to the portable terminal and receiving a payment result from the portable terminal, wherein the portable terminal adds payment information to the store purchase information to generate payment information. And communication means for transmitting the payment information to the server, receiving the payment result from the server, and transmitting the payment result to the store apparatus, wherein the server stores the payment information as a predetermined value. A communication means for transmitting to the management terminal of the card institution, receiving a settlement result from the management terminal of the predetermined card institution, and transmitting the settlement result to the portable terminal; A determination unit (74) for determining whether to settle based on the payment information, and a communication unit (73) for transmitting a determination result to the server. And wherein the are.

  Moreover, the transmission of information between the store apparatus and the portable terminal and the transmission of information between the portable terminal and the server may be encrypted and processed.

  Further, the payment processing system using the mobile terminal of the present invention includes at least a store device for inputting purchase price information of a product, a mobile terminal of a user connected via wireless communication and storing electronic money information, A payment processing system using a mobile terminal, which is connected via a mobile communication network and includes a server that accepts a payment request from a mobile terminal, wherein the store device inputs purchase price information of a product Store purchase information by adding purchase price information input means, store ID information for specifying the store where the product is purchased, and a terminal ID for specifying a terminal for inputting the purchase price of the product to the purchase price information A store purchase information generating means for generating; and a communication means for transmitting the store purchase information to the mobile terminal and receiving a settlement result from the mobile terminal, the mobile terminal comprising: Payment information generating means for adding purchaser information to the store purchase information to generate payment information; sending the payment information to the server; receiving the electronic money information updated by the server and the payment result; Communication means for transmitting to the store device, and storage means for storing the updated electronic money information, wherein the server subtracts the purchase amount from the electronic money information based on the payment information, and stores the electronic money Electronic money information update means for updating information, and communication means for transmitting a payment result based on the payment information to the mobile terminal.

  In this way, since the mobile communication network is used, the security cost can be greatly reduced, and the response time at the time of settlement can be greatly shortened. Also, communication costs can be greatly reduced. Moreover, since the payment processing is directly performed with the management terminal of a predetermined card company / financial institution without going through the store apparatus, leakage of personal information in the store apparatus can be prevented.

-First embodiment-
Hereinafter, an embodiment of a payment processing system using a mobile terminal according to the present embodiment will be described with reference to FIGS. FIG. 1 is a schematic diagram of a payment processing system using a mobile terminal of the present embodiment, FIG. 2 is a configuration diagram of the payment processing system using the mobile terminal of the present embodiment, and FIG. 2 is a diagram showing a payment sequence.

  As illustrated, a payment processing system 100 using a mobile terminal includes a mobile terminal 10 having an IC chip 5, a store apparatus 30 installed in a store 29, a server 50 for accepting a card payment request, and a card payment. Management terminals 71 and 72 of a predetermined card institution 70 for this purpose. There are a plurality of management terminals 71 and 72 depending on the type of card. The card organization 70 is an organization that issues and manages cards (for example, debit cards and credit cards), for example, and is a credit company or a bank. The store 29 is a store that sells / provides products, services, and the like. In this embodiment, the management terminal 71 is described as a terminal for debit payment, and the management terminal 72 is described as a terminal for credit payment.

  The portable terminal 10 and the store apparatus 30 are connected by wireless communication. The wireless communication is, for example, infrared communication. Moreover, the portable terminal 10 and the server 50 are connected via a mobile communication network. Further, the server 50 and the management terminals 71 and 72 of a predetermined card company / financial institution are connected as an example of the network 80 by a dedicated line, IP (internet protocol), VPN (virtual private network) or the like. As the network 80, a local area network (LAN), a wide area network (WAN), or any other wired or wireless communication means may be used.

  The mobile terminal 10 encrypts predetermined information with an IC chip 5 that functions as a storage unit 11 for storing purchaser information, a communication unit 12 for transmitting / receiving information to / from the store device 30 or the server 50, and the like. Encryption / decryption unit 13 for decrypting, authentication unit 14 for authenticating store device 30 and server 50, communication key generation unit 15 for generating a communication key for encrypting store information, and , A payment information generation unit 16 for generating information for payment (hereinafter referred to as “payment information”), and a control unit 18 for controlling each unit. The control unit 18 is electrically connected to the units 11 to 16. The payment information is information obtained by adding purchaser information to store purchaser information transmitted from a store when purchasing a product or the like. The purchaser information includes card type, card number, PIN number input in advance in PIN, purchaser information such as purchaser name, and the like. In addition, the storage unit 11 stores a store public key and a server public key for encrypting predetermined information or decrypting encrypted information.

  Moreover, the payment information generation part 16 in the portable terminal 10 functions as a payment information generation means for adding the card information to the store purchase information transmitted from the store when purchasing a product or the like and generating the payment information. In addition, the communication unit 12 functions as a communication unit that transmits payment information to the server 50, receives a payment result from the server 50, and transmits the payment result to the store apparatus 30.

  The store apparatus 30 receives a purchase request for a product or the like from a user, a purchase price information input unit 31 for inputting purchase price information of the product, a communication unit 32 for transmitting information related to payment to the mobile terminal 10, A purchase information generation unit 33 for generating store purchase information, an encryption / decryption unit 34 for encrypting / decrypting predetermined information, and a certificate for issuing a certificate that certifies the store device 30 An issuing unit 35, a receipt issuing unit 36 for issuing a receipt at the time of settlement, a storage unit 37 for storing a store secret key, and a control unit 38 for controlling the units 31 to 37 are provided. ing. The control unit 38 is electrically connected to the units 31 to 37. Further, the store purchase information includes purchase price information such as products necessary for settlement, date information, store ID information (TID), and the like.

  The purchase price information input unit 31 in the store apparatus 30 functions as purchase price information input means for inputting the purchase price information of the product. Moreover, the store purchase information generation part 33 functions as a store purchase information generation means for generating store purchase information. In addition, the communication unit 32 functions as a communication unit that transmits store purchase information to the mobile terminal 10 and receives a settlement result from the mobile terminal 10.

  The server 50 includes a communication unit 51 for transmitting / receiving predetermined information, a certificate issuing unit 52 for issuing a certificate for certifying that the server is a predetermined server, and a payment notification for generating / issuing a payment notification. A document issuing unit 53, an encryption / decryption unit 54 for encrypting / decrypting predetermined information, a storage unit 55 for storing a server secret key, and a control unit 56 for controlling the units 51 to 55. I have. The control unit 56 is electrically connected to the units 51 to 55. Also, the payment notice is a notification of whether or not to authenticate payment.

  In addition, the communication unit 51 in the server 50 transmits the payment information to the management terminals 71 and 72 of the predetermined card organization 70 and receives the payment result from the management terminals 71 and 72 of the predetermined card organization 70. Function as. The communication unit 51 functions as a communication unit for transmitting a payment result based on the payment information to the mobile terminal 10.

  The management terminals 71 and 72 include a communication unit 73 for transmitting / receiving predetermined information, a determination unit 74 for determining whether to authenticate payment, and encryption / decryption for encrypting / decrypting the predetermined information. And a control unit 76 for controlling the units 73 to 75. The control unit 76 is electrically connected to the units 73 to 75.

  In addition, the determination unit 74 in the management terminals 71 and 72 functions as a determination unit for determining whether to make a payment based on the payment information. The communication unit 73 functions as a communication unit for transmitting the determination result to the server.

  Note that the portable terminal 10, the store device 30, the server 50, and the management terminals 71 and 72 execute predetermined processing based on a predetermined execution program.

  Next, a settlement process performed based on a purchase request for goods etc. from the purchaser will be described with reference to the sequence diagram of FIG. For ease of understanding, reference numerals are added to portions corresponding to those in FIG. 1, but the present invention is not limited to this embodiment. In this processing, processing at the time of debit settlement will be described.

  First, when purchasing goods etc. by debit payment, the communication part 12 of the portable terminal 10 connects to the store apparatus 30, and establishes a predetermined link.

  Next, the certificate issuing unit 35 of the store apparatus 30 issues a certificate. The encryption / decryption unit 34 of the store apparatus 30 RSA-encrypts the certificate with the store secret key. In addition, the communication unit 32 of the store apparatus 30 transmits the encrypted certificate to the mobile terminal 10.

  Next, the communication unit 12 of the mobile terminal 10 receives the certificate. In addition, the encryption / decryption unit 13 of the mobile terminal 10 RSA decrypts the certificate with the store public key. Moreover, the authentication part 14 of the portable terminal 10 authenticates that it is the predetermined store apparatus 30 with the said certificate.

  Further, the communication key generation unit 15 of the mobile terminal 10 generates a communication key for encrypting the store information. The encryption / decryption unit 13 of the mobile terminal 10 RSA-encrypts the communication key with the store public key. In addition, the communication unit 12 of the mobile terminal 10 transmits the communication key to the store apparatus 30.

  Next, the communication unit 32 of the store apparatus 30 receives the communication key. The encryption / decryption unit 34 of the store apparatus 30 RSA-decrypts the communication key with the store secret key.

  Next, the communication unit 12 of the mobile terminal 10 connects to the server 50 and establishes a link.

  Next, the certificate issuing unit 52 of the server 50 issues a certificate. In addition, the encryption / decryption unit 55 of the server 50 RSA encrypts the certificate with the server private key. In addition, the communication unit 51 of the server 50 transmits the encrypted certificate to the mobile terminal 10.

  Next, the communication unit 12 of the mobile terminal 10 receives the certificate. In addition, the encryption / decryption unit 13 of the mobile terminal 10 performs RSA decryption of the certificate with the server public key. Moreover, the authentication part 14 of the portable terminal 10 authenticates that it is a predetermined server by the said certificate.

  In addition, the communication key generation unit 15 of the mobile terminal 10 generates a communication key for DES (Date Encryption Standard) encryption of the payment notification. Further, the encryption / decryption unit 13 of the mobile terminal 10 RSA encrypts the communication key with the server public key. In addition, the communication unit 12 of the mobile terminal 10 transmits the communication key to the server 50.

  Next, the communication unit 51 of the server 50 receives the communication key. In addition, the encryption / decryption unit 54 of the server 50 performs RSA decryption of the communication key using the server secret key.

  Next, the encryption / decryption unit 34 of the store apparatus 30 encrypts the store purchase information with the communication key. The communication unit 32 of the store apparatus 30 transmits the encrypted store purchase information to the mobile terminal 10.

  The communication unit 12 of the mobile terminal 10 receives store purchase information. Moreover, the payment information generation part 16 of the portable terminal 10 adds purchaser information to store purchase information, and produces | generates payment information. Further, the encryption / decryption unit 13 of the mobile terminal 10 DES-encrypts the payment information with the communication key. In addition, the communication unit 12 of the mobile terminal 10 transmits the payment information to the server 50.

  The communication unit 51 of the server 50 receives the payment information and transmits the payment information to the management terminal 71 of the predetermined financial institution 70.

  Next, the communication unit of the management terminal 71 receives payment information. Further, the encryption / decryption unit 75 of the management terminal 71 decrypts the payment information with the communication key.

  Next, the determination unit 74 of the management terminal 71 determines whether payment is possible based on the payment information.

  Next, the communication unit 73 of the management terminal 71 transmits a determination result (hereinafter referred to as “approval information”) to the server 50.

  Next, the communication unit 51 of the server 50 receives the approval information.

  Next, the settlement notice issuing unit 53 of the server 50 generates and issues a settlement notice for notifying the determination result based on the approval information. The settlement notice is a notice composed of, for example, approval No., settlement availability information, and the like.

  Next, the communication unit 51 of the server 50 transmits the settlement notice to the mobile terminal 10.

  Next, the communication unit 12 of the mobile terminal 10 receives the payment notification, adds the purchaser information and the amount information to the payment notification, and transmits the payment notification to the store device 30. At that time, the encryption / decryption unit 13 of the mobile terminal 10 DES-encrypts the settlement notice with the communication key.

  Next, the communication unit 32 of the store apparatus 30 receives the settlement notice. In addition, the encryption / decryption unit 34 of the store apparatus 30 decrypts the settlement notice with the communication key. Further, the receipt issuing unit 36 of the store apparatus 30 issues a receipt based on the settlement notice. Moreover, the communication part 32 of the shop apparatus 30 transmits the said receipt to the portable terminal 10, and complete | finishes a process.

  As described above, the payment processing system 100 using the portable terminal of the present invention is connected to at least the store apparatus 30 for inputting the purchase price information of the product via wireless communication, and stores card information. A server 50 that is connected to the user's mobile terminal 10 via a mobile communication network and accepts a card payment request from the mobile terminal 10; a management terminal 71 of a predetermined card organization 70 that determines whether or not to pay; 72, the store apparatus 30 purchases a product for purchase price information and a purchase price information input unit 31 for inputting the purchase price information of the product. Store purchase information generating unit 33 that generates store purchase information by adding store ID information for specifying a store and a terminal ID for specifying a terminal for inputting the purchase price of a product. A communication unit 32 for transmitting the store purchase information to the mobile terminal 10 and receiving a settlement result from the mobile terminal 10, and the mobile terminal 10 adds the card information to the store purchase information and provides the settlement information. The server 50 includes a payment information generation unit 16 to be generated, and a communication unit 12 for transmitting the payment information to the server 50, receiving the payment result from the server 50, and transmitting the payment result to the store apparatus 30. Communication for transmitting settlement information to the management terminals 71 and 72 of the predetermined card organization 70, receiving settlement results from the management terminals 71 and 72 of the predetermined card organization 70, and transmitting the settlement results to the portable terminal 10 The management terminal 71, 72 of the predetermined card institution 70 includes a determination unit 74 for determining whether or not to make a payment based on the payment information, and the determination result to the server 50. And it includes a communication unit 73 for signal, a. The transmission of information between the store apparatus 30 and the mobile terminal 10, the transmission of information between the mobile terminal 10 and the server 50, and the transmission of information between the server 50 and the management terminals 71 and 72 may be processed in an encrypted manner. .

  In this way, since the mobile communication network is used, the security cost of offline processing by using an IC chip for the magnetic card can be greatly reduced, and the response time at the time of settlement can be greatly shortened. Also, communication costs can be greatly reduced. Moreover, since the payment processing is directly performed with the management terminal of a predetermined card company / financial institution without going through the store apparatus, leakage of personal information in the store apparatus can be prevented.

-Second Embodiment-
Next, an embodiment of a payment processing system using a mobile terminal according to the present embodiment will be described with reference to FIGS. FIG. 4 is a schematic diagram of a payment processing system using the mobile terminal of the present embodiment, FIG. 5 is a configuration diagram of the payment processing system using the mobile terminal of the present embodiment, and FIG. 6 is a diagram showing a payment sequence. In addition, the same code | symbol is attached | subjected about the same part as FIG. 1, FIG.

  As shown in the figure, a payment processing system 110 using a mobile terminal is composed of a mobile terminal 10 having an IC chip 5, a store apparatus 30 installed in a store 29, and a server 50 for receiving a card payment request. Is done. The store 29 is a store that sells / provides products, services, and the like. Further, the IC chip 5 included in the mobile terminal 10 of the present embodiment functions as electronic money. The IC chip 5 normally receives a predetermined amount of money from a predetermined deposit machine, whereby address information and balance information (hereinafter referred to as “electronic money information”) in the server in which monetary value information corresponding to the deposit amount is accumulated. Is stored). Thereby, payment of goods etc. can be performed up to the balance information memorized by IC chip 5.

  The portable terminal 10 and the store apparatus 30 are connected by wireless communication. The wireless communication is, for example, infrared communication. Moreover, the portable terminal 10 and the server 50 are connected via a mobile communication network.

  The portable terminal 10 includes an IC chip 5 functioning as a storage unit 11 for storing purchaser information and electronic money information, a communication unit 12 for transmitting / receiving information to / from the store device 30 or the server 50, Encryption / decryption unit 13 for encrypting / decrypting predetermined information, authentication unit 14 for authenticating store device 30 and server 50, and communication for generating a communication key for encrypting store information A key generation unit 15, a payment information generation unit 16 for generating information for payment (hereinafter referred to as “payment information”), and a control unit 18 for controlling each unit are provided. The control unit 18 is electrically connected to the units 11 to 16. The payment information is information obtained by adding purchaser information to store purchaser information transmitted from a store when purchasing a product or the like. The purchaser information is information such as a user ID for specifying the user of the mobile terminal 10, a PIN number input in advance with a PIN, and the purchaser's name. The storage unit 11 stores a store public key and a server public key for encrypting predetermined information or decrypting encrypted information, and also stores electronic money information.

  Moreover, the payment information generation part 16 in the portable terminal 10 functions as a payment information generation means for generating purchase information by adding purchaser information to the store purchase information transmitted from the store when purchasing a product or the like. . Further, the communication unit 12 functions as a communication unit for transmitting the payment information to the server 50, receiving the electronic money information and the payment result updated by the server 50, and transmitting at least the payment result to the store apparatus. The storage unit 11 functions as storage means for storing updated electronic money information.

  The store apparatus 30 receives a purchase request for a product or the like from a user, a purchase price information input unit 31 for inputting purchase price information of the product, a communication unit 32 for transmitting information related to payment to the mobile terminal 10, A purchase information generation unit 33 for generating store purchase information, an encryption / decryption unit 34 for encrypting / decrypting predetermined information, and a certificate for issuing a certificate that certifies the store device 30 An issuing unit 35, a receipt issuing unit 36 for issuing a receipt at the time of settlement, a storage unit 37 for storing a store secret key, and a control unit 38 for controlling the units 31 to 37 are provided. ing. The control unit 38 is electrically connected to the units 31 to 37. Further, the store purchase information includes purchase price information such as products necessary for settlement, date information, store ID information (TID), and the like.

  The purchase price information input unit 31 in the store apparatus 30 functions as purchase price information input means for inputting the purchase price information of the product. Moreover, the store purchase information generation part 33 functions as a store purchase information generation means for generating store purchase information. In addition, the communication unit 32 functions as a communication unit that transmits store purchase information to the mobile terminal 10 and receives a settlement result from the mobile terminal 10.

  The server 50 includes a communication unit 51 for transmitting / receiving predetermined information, a certificate issuing unit 52 for issuing a certificate for certifying that the server is a predetermined server, and a payment notification for generating / issuing a payment notification. A document issuing unit 53, an encryption / decryption unit 54 for encrypting / decrypting predetermined information, a storage unit 55 for storing a server secret key, and a control unit 56 for controlling the units 51 to 55. I have. The control unit 56 is electrically connected to the units 51 to 55. The payment notification is a notification that the purchase amount of the product or the like has been subtracted from the electronic money information and payment has been made.

  The storage unit 55 includes a money information management database that manages electronic money information for each user ID of the mobile terminal 10.

  Further, the control unit 56 subtracts the frequency corresponding to the payment amount of the product etc. from the electronic money information of the user stored in the money information management database based on the payment amount information of the product, etc. Update electronic money information.

  The communication unit 51 of the server 50 functions as a communication unit for transmitting a payment result based on the payment information to the mobile terminal 10. Further, the control unit 56 of the server 50 functions as an update unit for updating the electronic money information by subtracting the purchase amount from the electronic money information based on the payment information.

  In addition, the portable terminal 10, the store apparatus 30, and the server 50 perform a predetermined process based on a predetermined execution program.

  Next, settlement processing performed based on a purchase request for a product or the like from the purchaser will be described with reference to the sequence diagram of FIG. For ease of understanding, reference numerals are added to portions corresponding to those in FIG. 5, but the present invention is not limited to this embodiment.

  First, when purchasing goods etc. with the portable terminal 10 which has IC chip 5 which functions as electronic money, the communication part 12 of the portable terminal 10 connects to the shop apparatus 30, and establishes a predetermined link.

  Next, the certificate issuing unit 35 of the store apparatus 30 issues a certificate. The encryption / decryption unit 34 of the store apparatus 30 RSA-encrypts the certificate with the store secret key. In addition, the communication unit 32 of the store apparatus 30 transmits the encrypted certificate to the mobile terminal 10.

  Next, the communication unit 12 of the mobile terminal 10 receives the certificate. In addition, the encryption / decryption unit 13 of the mobile terminal 10 RSA decrypts the certificate with the store public key. Moreover, the authentication part 14 of the portable terminal 10 authenticates that it is the predetermined store apparatus 30 with the said certificate.

  Further, the communication key generation unit 15 of the mobile terminal 10 generates a communication key for encrypting the store information. The encryption / decryption unit 13 of the mobile terminal 10 RSA-encrypts the communication key with the store public key. In addition, the communication unit 12 of the mobile terminal 10 transmits the communication key to the store apparatus 30.

  Next, the communication unit 32 of the store apparatus 30 receives the communication key. The encryption / decryption unit 34 of the store apparatus 30 RSA-decrypts the communication key with the store secret key.

  Next, the communication unit 12 of the mobile terminal 10 connects to the server 50 and establishes a link.

  Next, the certificate issuing unit 52 of the server 50 issues a certificate. In addition, the encryption / decryption unit 55 of the server 50 RSA encrypts the certificate with the server private key. In addition, the communication unit 51 of the server 50 transmits the encrypted certificate to the mobile terminal 10.

  Next, the communication unit 12 of the mobile terminal 10 receives the certificate. In addition, the encryption / decryption unit 13 of the mobile terminal 10 performs RSA decryption of the certificate with the server public key. Moreover, the authentication part 14 of the portable terminal 10 authenticates that it is a predetermined server by the said certificate.

  In addition, the communication key generation unit 15 of the mobile terminal 10 generates a communication key for DES (Date Encryption Standard) encryption of the payment notification. Further, the encryption / decryption unit 13 of the mobile terminal 10 RSA encrypts the communication key with the server public key. In addition, the communication unit 12 of the mobile terminal 10 transmits the communication key to the server 50.

  Next, the communication unit 51 of the server 50 receives the communication key. In addition, the encryption / decryption unit 54 of the server 50 performs RSA decryption of the communication key using the server secret key.

  Next, the encryption / decryption unit 34 of the store apparatus 30 encrypts the store purchase information with the communication key. The communication unit 32 of the store apparatus 30 transmits the encrypted store purchase information to the mobile terminal 10.

  The communication unit 12 of the mobile terminal 10 receives store purchase information. Moreover, the payment information generation part 16 of the portable terminal 10 adds purchaser information to store purchase information, and produces | generates payment information. Further, the encryption / decryption unit 13 of the mobile terminal 10 DES-encrypts the payment information with the communication key. In addition, the communication unit 12 of the mobile terminal 10 transmits the payment information to the server 50.

  The communication unit 51 of the server 50 receives the payment information.

  Next, the control unit 56 of the server 50 determines the amount corresponding to the payment amount of the product etc. from the electronic money information of the user stored in the money information management database based on the payment amount information of the product etc. of the settlement information. The electronic money information is updated by subtracting the frequency of minutes.

  Next, the communication unit 51 of the server 50 transmits a payment notice (payment result) and the updated electronic money information to the mobile terminal 10.

  Next, the communication unit 12 of the mobile terminal 10 receives the payment notice and the updated electronic money information.

  Next, the control unit 18 of the mobile terminal 10 stores the updated electronic money information in the IC chip 5.

  Next, the communication unit 12 of the mobile terminal 10 adds the purchaser information to the settlement notice and the balance information, and transmits the purchaser information to the store apparatus 30. At that time, the encryption / decryption unit 13 of the mobile terminal 10 DES encrypts the purchaser information and the balance information with the communication key.

  Next, the communication unit 32 of the store apparatus 30 receives the settlement notice, purchaser information, and balance information. In addition, the encryption / decryption unit 34 of the store apparatus 30 DES decrypts the settlement notice, the purchaser information, and the balance information using the communication key. Further, the receipt issuing unit 36 of the store apparatus 30 issues a receipt based on the balance information. Moreover, the communication part 32 of the shop apparatus 30 transmits the said receipt to the portable terminal 10, and complete | finishes a process.

  As described above, the payment processing system 110 using the mobile terminal of the present invention is connected to the store apparatus 30 that inputs at least the purchase price information of the product via wireless communication, and stores electronic money information. A payment processing system 110 using a portable terminal that is connected to a portable terminal 10 of a user and a server 50 that is connected via a mobile communication network and receives a card payment request from the portable terminal 10. 30 specifies the purchase price information input unit 31 for inputting the purchase price information of the product, the store ID information for specifying the store where the product is purchased in the purchase price information, and the terminal for inputting the purchase price of the product. A store purchase information generating unit 33 that adds a terminal ID for generating store purchase information and transmitting the store purchase information to the mobile terminal 10 and from the mobile terminal 10 The mobile terminal 10 adds the purchaser information to the store purchase information and generates payment information, and transmits the payment information to the server 50. In addition, the communication unit 12 for receiving the electronic money information and the settlement result updated by the server 50 and transmitting at least the settlement result to the store apparatus 30 and the storage unit 11 for storing the updated electronic money information The server 50 transmits a settlement result based on the settlement information to the mobile terminal, and a control unit 56 for updating the electronic money information by subtracting the purchase amount from the electronic money information based on the settlement information. And a communication unit 51. Further, the transmission of information between the store apparatus 30 and the mobile terminal 10 and the transmission of information between the mobile terminal 10 and the server 50 may be encrypted and processed.

  In this way, since the settlement processing for payment of goods and the like is performed directly with a predetermined server without going through the store apparatus, leakage of personal information in the store apparatus can be prevented.

  As mentioned above, although embodiment of the payment processing system using the portable terminal of this invention was shown, it is not limited to these embodiment, It can implement with a various form.

1 is a schematic diagram of a payment processing system using a mobile terminal in a first embodiment. 1 is a configuration of a payment processing system using a mobile terminal according to a first embodiment. FIG. 5 is a diagram showing a payment sequence in the first embodiment. It is the schematic of the payment processing system using the portable terminal in 2nd Embodiment. It is the structure of the payment processing system using the portable terminal in 2nd Embodiment. It is a figure which shows the payment sequence in 2nd Embodiment. It is the schematic of the conventional payment processing system.

Explanation of symbols

10 mobile terminal 12 communication unit (communication means)
16 Settlement information generation unit (Settlement information generation means)
30 store apparatus 31 purchase request reception part (purchase request reception means)
32 Communication unit (communication means)
33 Purchase information generation unit (purchase information generation means)
36 Receipt issuing department (receipt issuing means)
50 server 51 communication unit (communication means)
53 Settlement notice issuance department (payment notice issuing means)
70 Predetermined card organization 71, 72 Management terminal 74 Determination unit (determination means)
73 Communication unit (communication means)
100 Payment processing system using mobile terminal

Claims (11)

At least a store device that inputs purchase price information of a product, a user's portable terminal that is connected via wireless communication and stores card information, and a card from the portable terminal that is connected via a mobile communication network A payment processing system using a mobile terminal equipped with a server that accepts a payment request,
The store apparatus is
In order to specify purchase price information input means for inputting purchase price information of a product, store ID information for specifying a store where the product is purchased in the purchase price information, and a terminal for inputting the purchase price of the product Store purchase information generating means for adding store terminal ID to generate store purchase information, and communication means for transmitting the store purchase information to the mobile terminal and receiving a settlement result from the mobile terminal. Prepared,
The portable terminal is
Payment information generating means for adding card information to the store purchase information to generate payment information, and transmitting the payment information to a server, receiving a payment result from the server, and transmitting the payment result to the store device Communication means for
The server
A payment processing system using a mobile terminal, comprising a communication means for transmitting a payment result based on the payment information to the mobile terminal. At least a store device that inputs purchase price information of a product, a user's portable terminal that is connected via wireless communication and stores card information, and a card from the portable terminal that is connected via a mobile communication network A payment processing system using a portable terminal including a server that accepts a payment request and a management terminal of a predetermined card authority that determines whether or not to pay,
The store apparatus is
In order to specify purchase price information input means for inputting purchase price information of a product, store ID information for specifying a store where the product is purchased in the purchase price information, and a terminal for inputting the purchase price of the product Store purchase information generating means for adding store terminal ID to generate store purchase information, and communication means for transmitting the store purchase information to the mobile terminal and receiving a settlement result from the mobile terminal. Prepared,
The portable terminal is
Payment information generating means for adding card information to the store purchase information to generate payment information, and transmitting the payment information to a server, receiving a payment result from the server, and transmitting the payment result to the store device Communication means for
The server
The payment information is transmitted to a management terminal of a predetermined card institution, a payment result is received from a terminal of the predetermined card institution, and communication means for transmitting the payment result to the mobile terminal is provided.
The management terminal
Determination means for determining whether to settle based on the payment information;
A communication means for transmitting the determination result to the server;
A payment processing system using a mobile terminal, comprising:   The payment using the portable terminal according to claim 2, wherein the transmission of information between the store apparatus and the portable terminal and the transmission of information between the portable terminal and the server are processed after being encrypted. Processing system. A store apparatus included in a payment processing system using the mobile terminal according to claim 1 or 2,
The store apparatus is
In order to specify purchase price information input means for inputting purchase price information of a product, store ID information for specifying a store where the product is purchased in the purchase price information, and a terminal for inputting the purchase price of the product Store purchase information generating means for generating store purchase information by adding the terminal ID, and communication means for transmitting the store purchase information to the mobile terminal and receiving a settlement result from the mobile terminal,
A store apparatus included in a payment processing system using a mobile terminal. A mobile terminal included in a payment processing system using the mobile terminal according to claim 1 or 2,
The portable terminal is
Payment information generating means for adding card information to the store purchase information to generate payment information, and transmitting the payment information to a server, receiving a payment result from the server, and transmitting the payment result to the store device Communication means for
A mobile terminal included in a payment processing system using the mobile terminal. A server included in a payment processing system using the mobile terminal according to claim 1,
The server
A server included in a payment processing system using a mobile terminal, comprising a communication means for transmitting a payment result based on the payment information to the mobile terminal. A server included in a payment processing system using the mobile terminal according to claim 2,
The server
A communication means for transmitting the payment information to a management terminal of a predetermined card organization, receiving a payment result from the management terminal of the predetermined card organization, and transmitting the payment result to the portable terminal; A server included in a payment processing system using a featured mobile terminal. At least a store device for inputting purchase price information of a product, a user's portable terminal connected via wireless communication and storing electronic money information, connected via a mobile communication network, and settlement from the portable terminal A payment processing system using a mobile terminal equipped with a server for receiving a request,
The store apparatus specifies purchase price information input means for inputting purchase price information of a product, store ID information for specifying a store where the product is purchased, and a terminal for inputting the purchase price of the product in the purchase price information A store purchase information generating means for adding store terminal ID to generate store purchase information, and a communication means for transmitting the store purchase information to the mobile terminal and receiving a settlement result from the mobile terminal, Prepared,
The mobile terminal adds the purchaser information to the store purchase information to generate payment information, transmits the payment information to the server, and receives the electronic money information and the payment result updated by the server. A communication means for transmitting the settlement result to the store apparatus, and a storage means for storing the updated electronic money information,
The server includes an electronic money information update means for updating the electronic money information by subtracting the purchase amount from the electronic money information based on the payment information, and a payment result based on the payment information for transmitting to the portable terminal A payment processing system using a portable terminal, comprising: a communication means; A store apparatus included in a payment processing system using the mobile terminal according to claim 7,
The store apparatus specifies purchase price information input means for inputting purchase price information of a product, store ID information for specifying a store where the product is purchased, and a terminal for inputting the purchase price of the product in the purchase price information A store purchase information generating means for adding store terminal ID to generate store purchase information, and a communication means for transmitting the store purchase information to the mobile terminal and receiving a settlement result from the mobile terminal, The store apparatus contained in the payment processing system using the portable terminal characterized by having. A mobile terminal included in a payment processing system using the mobile terminal according to claim 7,
The mobile terminal adds the purchaser information to the store purchase information to generate payment information, transmits the payment information to the server, and receives the electronic money information and the payment result updated by the server. A payment processing system using a portable terminal, comprising: a communication means for transmitting the payment result to the store apparatus; and a storage means for storing updated electronic money information. Mobile terminal. A server included in a payment processing system using the mobile terminal according to claim 7,
The server includes an electronic money information update means for updating the electronic money information by subtracting the purchase amount from the electronic money information based on the payment information, and a payment result based on the payment information for transmitting to the portable terminal And a server included in a payment processing system using a portable terminal.

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