JP2005182315A - Settlement device, settlement system, settlement method and computer program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a settlement device for efficiently executing procedures ranging from a request for the purchase of merchandise to the completion of settlement by using the information processing function of an IC card. <P>SOLUTION: A PDA 108 transmits the request information of credit processing including the member store ID, order number and purchase sum of a member store to a settlement server 106 (S510). The settlement server 106 transmits the input request of card information to the PDA 108 (S512). The PDA 108 transmits the start request of a credit application to an IC card 110 (S514). The IC card 110 starts the credit application, and transmits PIN input request information to the PDA 108 (S516). The IC card 110 collates PIN inputted from the PDA 108, and transmits the card information to the PDA 108 when they are matched (S520). The PDA 108 transfers the order number and the received card information to the settlement server 106 (S522). <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to a payment apparatus, a payment system, a payment method, and a computer program. More specifically, the present invention relates to an information processing unit such as an IC card that stores card information for performing a payment transaction by a predetermined payment method, and data related to the payment transaction. The present invention relates to a settlement apparatus having a portable information terminal that requests a settlement transaction to a settlement system that performs transmission / reception and authentication processing of the transaction, a settlement system thereof, a settlement method using them, and a computer program.

  Conventionally, electronic payment transactions that can be performed on a network without using a credit card have been put into practical use. For example, Patent Document 1 discloses a technique for encrypting a product name, a purchase price, and the like in such a settlement transaction.

  In the technique described in Patent Document 2, the payment server receives the user ID, password, and product delivery instruction data input from the user terminal, accesses the customer database, and performs customer authentication. The credit card number is received, the store database is accessed, the store ID is received, the price information of the product is transmitted to the payment authentication system together with the credit card number and the store ID, and the authentication result data for the credit card number is received. Then, the authentication result data and the product delivery instruction data are transmitted to the electronic store, and the electronic store makes a settlement with the credit card company based on the authentication result data.

  In recent years, payment processing using an IC card has been devised. For example, Patent Document 3 discloses a technique for communicating with a joint payment center by connecting a mobile phone to a payment terminal and then inputting information of an IC card into the payment terminal.

  In such a payment transaction using the user's client, the client usually accesses a content server that provides information on a product that is a target of a payment transaction such as a product or service, and transmits a content purchase request. In response to the purchase request, the content server requests credit (authentication) processing from the settlement server. In response to this request, the settlement server requests information necessary for credit from the client. At this time, the user inputs the card information to the client and transmits it to the settlement server.

  The payment server stores card information corresponding to the user, information such as an account number and a credit frame in advance, and updates the information by referring to the information about the user stored in advance based on the received request and card information. . Then, the result of this credit processing is transmitted to the content server or client. The settlement server completes the settlement transaction by executing account transfer based on the updated information.

JP 2002-150195 A JP 2002-288574 A JP 2001-222595 A

  However, in the case of the above-mentioned payment transaction, the customer inputs card information to the client by using an input interface such as a keyboard or a button between the purchase of the product etc. by the customer and the completion of the payment, to the payment server. Must be sent. This is because payment transactions on the network involve sending and receiving data between three parties: the customer, the content provider, and the payment organization. Accordingly, there is a problem that the customer needs a manual operation for separately transmitting card information to the settlement server while transmitting a purchase request for a product or the like to the content server.

  The present invention has been made in view of such a problem, and an object of the present invention is to efficiently perform from a purchase request for goods etc. to completion of payment using an information processing function of an IC card. To provide a payment apparatus, a payment system, a payment method, and a computer program.

  In order to achieve such an object, the invention described in claim 1 is directed to a first information processing unit that stores card information for performing a settlement transaction and a settlement system that performs an authentication process related to the settlement transaction. A payment apparatus having a second information processing unit for transmitting the card information, wherein the second information processing unit designates a payment method for a product to be purchased to a content server that provides product information. A payment method specifying information transmitting means for transmitting payment method specifying information for receiving the payment transaction request information for requesting a payment transaction by the payment method from a content server that has received the payment method specifying information; Authentication request information transmitting means for transmitting request information for authentication processing including information on the purchase price of the purchase target product, and a request for the authentication processing. When the card information request information for requesting the card information is received from the payment system that has received the information, the card information acquisition means for acquiring the card information from the first information processing unit, and the card information acquisition means Card information transfer means for transferring the received card information to the payment system, and result transfer means for transferring the request information for the authentication process and the result of the authentication process based on the card information from the payment system to the content server. It is provided with.

  According to a second aspect of the present invention, there is provided a first information processing unit that stores card information for performing a settlement transaction, and a second information that transmits the card information to an authentication server that performs an authentication process related to the settlement transaction. The second information processing unit transmits settlement method designation information for designating a settlement method for a product to be purchased to a content server that provides product information. Receiving payment transaction request information for requesting a payment transaction by the payment method from the content server that has received the payment method specification information and the card information from the first information processing unit. Card information acquisition means for acquiring the card information, card information acquired by the card information acquisition means, information on the purchase amount of the product to be purchased, and the card information Authentication request information transmitting means for transmitting certificate processing request information to the authentication server via the content server, and receiving the authentication processing result based on the authentication processing request information from the authentication server via the content server. And a result receiving means.

  According to a third aspect of the present invention, in the payment apparatus according to the first or second aspect, the second information processing unit is configured to identify, from the content server, the purchased product identification information generated by the content server. The product identification information receiving means for receiving the product identification information storage means for storing the product identification information received by the product identification information receiving means, and the product identification information stored in the product identification information storage means to an external terminal And a means for requesting confirmation that the identification information of the purchased product has been generated by the content server.

  According to a fourth aspect of the present invention, in the payment apparatus according to any one of the first to third aspects, the second information processing unit is a payment method for requesting selection of a payment method from the content server. Payment method selection request information receiving means for receiving selection request information, wherein the payment method designation information transmitting means transmits the payment method designation information in response to reception of the payment method selection request information. To do.

  According to a fifth aspect of the present invention, in the settlement apparatus according to any one of the first to fourth aspects, the first information processing unit includes a personal identification number storage unit that stores a personal identification number; A personal identification number input request information transmitting means for transmitting the personal identification number input request information for requesting the information processing section to input the personal identification number; information input from the second information processing section; and storage in the storage means And a card information transmitting means for verifying the password and transmitting the card information according to the verification result.

  The invention described in claim 6 is a payment system that performs authentication processing related to a purchase transaction of a product, and includes a storage unit that stores card information for performing a payment transaction, and a purchase amount of the product from an information processing device. Authentication request information receiving means for receiving request information for authentication processing including the information on the request, and instruction transmission for transmitting an instruction for requesting transmission of the card information to the information processing apparatus upon receiving the request information for authentication processing Means, card information receiving means for receiving the card information from the information processing apparatus that has received the instruction, request information for authentication processing received by the authentication request information receiving means, card information received by the card information receiving means, and And means for performing the authentication process using card information stored in the storage means.

  According to a seventh aspect of the present invention, there is provided a first information processing unit that stores card information for performing a settlement transaction, and a second information that transmits the card information to a settlement system that performs an authentication process related to the settlement transaction. A payment method executed by the second information processing unit in the information processing apparatus having the information processing unit for specifying a payment method for the product to be purchased to a content server that provides product information When the payment transaction request information for requesting the payment transaction by the payment method is received from the content server that has received the payment method specification information, the payment method specification information is sent to the payment system corresponding to the payment method. A step of transmitting authentication processing request information including information on a purchase amount of the product to be purchased; and a settlement system that has received the authentication processing request information. When the card information request information for requesting the card information is received from the first information processing unit, the card information acquired in the acquiring step is sent to the payment system. A transfer step; and a step of transferring to the content server when receiving a result of the authentication process based on the request information of the authentication process and the card information from the payment system.

  According to an eighth aspect of the present invention, there is provided a first information processing unit that stores card information for performing a settlement transaction, and a second information that transmits the card information to an authentication server that performs an authentication process related to the settlement transaction. A payment method executed by the second information processing unit in the information processing apparatus having the information processing unit for specifying a payment method for the product to be purchased to a content server that provides product information A step of transmitting settlement method designation information; and upon receipt of settlement transaction request information for requesting a settlement transaction by the settlement method from a content server that has received the settlement method designation information, the card from the first information processing unit A step of acquiring information, card information acquired in the acquiring step, information on a purchase amount of the purchase target product, and the card information Including authentication process request information including the authentication server via the content server, and receiving the authentication process result based on the authentication process request information from the authentication server via the content server; A settlement method characterized by comprising:

  The invention according to claim 9 is a payment method executed by a payment system that performs an authentication process related to a purchase transaction of a product, wherein the payment system stores card information for performing a payment transaction, The payment method includes a step of receiving authentication processing request information including information on the purchase amount of the product from an information processing device, and an instruction for requesting transmission of the card information upon receiving the authentication processing request information. To the information processing device, receiving the card information from the information processing device that received the instruction, the received authentication processing request information, the received card information, and the stored card information And the step of performing the authentication process.

  The invention according to claim 10 is a computer program for causing a computer to function as the second information processing unit according to claim 1 or 2.

  The invention described in claim 11 is a computer program for causing a computer to function as the settlement system described in claim 6.

  According to the present invention, since the information processing function of the IC card is used to automatically carry out from the purchase request for goods to the completion of payment, the user does not need to input card information to the client. As a result, the card payment via the network can be performed efficiently.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
(First embodiment)
FIG. 1 shows a configuration of a network system according to the present embodiment. As shown in the figure, the network system is configured such that the content server 104, the payment system 114, and the PDA 108 are connected to the Internet and can communicate with each other.

  The content server 104 is a server that manages and manages the seller's site and provides information on the seller's products. In addition to the information to be provided, the content server 104 stores a product number for identifying a product and a price in association with each other as shown in FIG.

  The payment system 114 performs transmission / reception of data related to a payment transaction using a card issued by a card company and credit (authentication) processing of the transaction. The payment server 106 and the authentication server 112 transmit / receive a dedicated line or financial information. Connected through a dedicated trunk line. The credit processing is executed by the authentication server 112 in response to a request from the client or the like by the settlement server 106.

The PDA 108 is an information processing apparatus used by a user, and is configured to be able to communicate with the IC card 110. This PDA is an example of a mobile terminal, and another mobile terminal suitable for mobile computing such as a handheld PC may be used instead.
The Internet 102 is an example of a communication line.

  With such a configuration, the user uses the PDA 108 to access the content server 104 and requests purchase of a product. In response to this request, the content server 104 transmits settlement transaction request information to the PDA 108. When the PDA 108 receives the payment transaction request information, the PDA 108 requests the payment system 114 for credit processing for merchandise purchase. At this time, the card information acquired from the IC card 110 is transmitted.

FIG. 3 shows the configuration of the payment system used in this embodiment.
The settlement server 106 realizes communication with the storage unit 202 that stores computer programs and data used for arithmetic processing, the control unit 204 that controls each component of the settlement server, and communication with the authentication server 112 via the Internet. A communication interface (I / F) 206 is included. The control unit 204 includes a central processing unit (CPU). The storage unit 202 includes a volatile memory represented by a DRAM, a nonvolatile memory such as a ROM and an EPROM, a magnetic recording device such as an FD and a hard disk, a CD-ROM, a CD-R, a CD-R / W, and a DVD. These may be built-in or externally attached. The communication interface 206 includes both a communication interface used for communication between computer systems and a user / network interface used for communication between a computer and a network.

  In the settlement server 106, the control unit 204 that has read the computer program stored in the storage unit 202 performs arithmetic processing based on the program command of the computer program, or transmits and receives data via the communication I / F 206. As a result, processing to be described later is executed.

  Further, the authentication server 112 includes a storage unit 212, a control unit 210 that controls each component of the authentication server, and a communication interface (I / F) 208 that realizes communication with the settlement server 106. The hardware configuration for mounting the communication I / F 208, the control unit 210, and the storage unit 212 is the same as that of the communication I / F 206, the control unit 204, and the storage unit 202 of the settlement server 106 described above. Omitted.

  The storage unit 212 stores at least a database (DB) that is a set of information related to credit transactions related to a customer and information related to member stores as information necessary for credit processing.

  In the authentication server 112, the control unit 210 that has read out the computer program stored in the storage unit 208 performs arithmetic processing based on the program instruction of the computer program, or transmits and receives data via the communication I / F 208. , Processing described later is executed.

  With the above-described configuration, the payment system 114 performs transmission / reception of data related to the payment transaction and authentication processing of the transaction.

  FIG. 4 is a diagram illustrating an example of the contents of the DB stored in the storage unit 212 of the authentication server 112. Information included in the DB constitutes each item of a predefined table. In the present embodiment, at least a card information table, a purchase information table, and a member store information table are defined.

  As shown in FIG. 4A, the card information table associates the card member's member ID with the card information of the card issued to the card member. In the purchase information table, as shown in FIG. 4B, for each member ID of the card member, the purchase amount of the product using the card and the purchase date and time are associated with each other. In the member store information table, as shown in FIG. 4C, the member store ID assigned to the member store is associated with the account number of the transfer destination at the time of card settlement.

  In credit processing, the card information table and member store information table are referenced based on the request for the purchase transaction of the product received from the client, the card member who sent the request information is authenticated, the member store is confirmed, etc. When the validity of the purchase transaction request is confirmed, the purchase information table is updated. Since such a process employs a method performed in normal electronic commerce, a detailed description thereof is omitted.

  FIG. 5 shows the configuration of the PDA according to this embodiment. The PDA 108 includes at least an IC card reader / writer 302, a storage unit 310, a control unit 304, a display unit 306, a communication I / F 308, and an input unit 312. The IC card reader / writer 302 supplies power to the IC card and transmits / receives signals. The contact type that exchanges power and signals by contacting a metal terminal, an antenna is provided between the IC card and the IC card reader / writer. Either a non-contact type in which electric power and signals are exchanged by radio waves may be used.

  The control unit 304 is configured by a central processing unit (CPU). The communication interface 308 includes both a communication interface used for communication between computer systems and a user / network interface used for communication between a computer and a network. The display unit 306 is a display that displays an image using liquid crystal or the like. The input unit 312 is for a user to input an instruction to the control unit 304.

  The storage unit 310 includes a volatile memory represented by a DRAM, a nonvolatile memory such as a ROM and an EPROM, a magnetic recording device such as an FD and a hard disk, a CD-ROM, a CD-R, a CD-R / W, a DVD, and the like. These may be built-in or externally attached. The storage unit 310 stores a personal identification number (PIN) used for obtaining card information, in addition to a computer program and data used for executing the computer program.

  In the PDA 108 configured as described above, the control unit 304 that has read the computer program (hereinafter referred to as “PDA application”) stored in the storage unit 310 performs arithmetic processing based on the program command of the computer program, or performs communication. By transmitting and receiving data via the I / F 308, communication with the IC card is performed via the IC card reader / writer 302, or communication via the network is performed via the communication I / F 308. In addition, data acquired via the communication I / F 308 is stored in the storage unit 310 or output to the IC card reader / writer 302 or the display unit 306 as necessary.

FIG. 6 shows the configuration of an IC card used in this embodiment.
The IC card 110 includes at least a communication I / F 402, a control unit 404, and a storage unit 406. The communication I / F 402 includes an antenna and an antenna coil, and receives power supply from outside and transmits / receives signals. The control unit 404 is composed of a CPU, and performs processing such as computation and instructions to other components. The storage unit 406 is configured by a RAM, an EEPROM, or the like. The storage unit 406 stores a personal identification number (PIN) used for providing card information, in addition to a computer program and data used when executing the computer program.

  In the IC card 110 configured as described above, the control unit 404 that has read the computer program (hereinafter referred to as “credit application”) stored in the storage unit 406 executes the program command of the application, The processing related to the present invention to be described later is achieved.

  FIG. 7 is a diagram showing a flow of the settlement method according to the present embodiment, and FIG. 8 is a content of information transmitted and received between the information processing devices constituting the network system in the settlement method according to the present embodiment. FIG. Next, the procedure of the settlement method according to the present embodiment will be described with reference to FIGS.

  The card member operates the PDA 108 to access the content server 104. The content server 104 provides information related to the product and accepts an offer for purchasing the product from the customer. This process is performed by downloading to the PDA 108 a file described in a markup language including member store ID and information on the product. Here, the information regarding the product includes a product number for identifying the product in addition to the description and price of the product. The PDA 108 analyzes the received information and displays the analysis result on the display unit 306. Here, the screen displayed on the PDA 108 may be provided with a button for selecting a product, or may be provided with an input column for operating the PDA 108 to input a product number.

  At the same time, the PDA 108 acquires the member store ID from the received information and stores it for use in the processing described later.

  The card member browses information related to the product displayed on the PDA 108 and, when wishing to purchase the desired product, operates the input unit 312 to specify the product to be purchased and the number to be purchased. Upon receiving this operation, the PDA 108 transmits a purchase request including product information and the number of items to the content server 104.

  When the content server 104 receives the purchase request, it first issues an order number. Next, in order to request selection of a payment method to be used at the time of purchase, payment selection request information is transmitted to the PDA 108 and a payment method selection is announced to the user (step S504). This payment selection request information is configured as a file described in a markup language for accepting payment method selection. The PDA 108 analyzes the received information and displays the analysis result on the display unit 306.

  Here, the content server 104 holds the order number, the product number to be purchased, and the quantity until the purchase transaction ends.

  FIG. 9 is a diagram showing an example of a screen displayed on the display unit 306 of the PDA 108 through step S504. The cardholder selects a payment method by operating the input unit 310 to change the inverted portion 802 on the screen and selecting the OK button 804.

  Next, when the card member selects credit settlement, the PDA 108 transmits an announcement (payment method designation information) of credit settlement selection to the content server 104 in response to this selection (step S506). In this way, the process of transmitting the payment method designation information for designating the payment method of the product to be purchased is executed to the content server that provides the product, and the processes from step S508 to step S532 are automatically performed thereafter. .

  The content server 104 that has received the payment method designation information refers to the information shown in FIG. 2, obtains the price of the product corresponding to the purchase request, and calculates the purchase price of the product. Next, settlement transaction request information including an order number, an announcement for requesting credit settlement, a member store ID, and a purchase amount is transmitted to the PDA 108 (step S508). Upon receiving the settlement transaction request information, the PDA 108 transmits credit processing request information including the member store ID, the order number, and the purchase amount to the settlement server 106 (step S510).

  Upon receiving the credit processing request information, the settlement server 106 transmits a card information input request to the PDA 108 (step S512). Upon receiving this announcement, the PDA 108 transmits a credit application activation request to the IC card 110 (step S514). In response to this instruction, the IC card 110 activates the credit application. Thereafter, the processing on the IC card 110 side among the processing up to step S520 is executed based on the program command of the credit application.

  The IC card 110 transmits PIN input request information for requesting the PIN input to the PDA 108 (step S516). In response to the PIN input request information, the PDA 108 inputs the PIN stored in the storage unit 310 to the IC card 110 (step S518). The IC card 110 collates the input PIN and the PIN stored in the storage unit 406, and transmits the card information to the PDA 108 if they match (step S520). The PDA 108 transfers the order number and the received card information to the settlement server 106 (step S522).

  The settlement server 106 transfers the order number, the credit processing request information received from the PDA 108, and the card information to the authentication server 112 (step S524). The authentication server 112 refers to the card information table and member store table in the DB based on the received information, and confirms that the received card information and the received member store ID are valid. After this confirmation, it is determined whether or not the transaction is possible based on the card information, and the purchase amount related to the current transaction, that is, the received amount and the reception date and time are added to the purchase information table. Since the credit processing is performed using a card payment method in general electronic commerce, detailed description is omitted.

  The authentication server 112 transmits the order number and the result of the credit processing (authentication result) to the settlement server 106 (step S526), and the settlement server 106 transfers the received order number and authentication result to the PDA 108 (step S528). ). The authentication result is a simple one indicating authentication OK or NG. The PDA 108 further transfers the received authentication information to the content server 104 (step S530). When the content server 104 receives the order number and the authentication result and confirms the conclusion of the product purchase, the content server 104 retrieves the information held in step S504, and obtains the product name corresponding to the product number included in this information from the information shown in FIG. Acquire and create receipt information related to purchase transactions. The receipt information is configured as a file described in a markup language in order to display on the PDA 108 the product name, number, purchase amount, and settlement method of the contract that has been concluded. Then, the receipt information and the authentication result are transmitted to the PDA 108 (step S532). FIG. 10 shows an example of a screen displayed on the PDA 108 based on the receipt information.

  As described above, according to the present embodiment, in the payment apparatus including the IC card 110 that is the first information processing apparatus and the PDA 108 that is the second information processing apparatus, the PIN is stored in the PDA 108, Since the card information is acquired from the IC card 110 using the card and transmitted to the payment server, the card information input process by the user can be omitted, and the card information can be accurately provided to the payment server.

  In the embodiment described above, the application and the credit application can be distributed from the content server 104. In this case, the card member attaches the IC card 110 to the PDA 108 and accesses the content server 104 and transmits a program download request prior to the execution of the settlement method. The content server 104 issues a PIN in response to the download request, and downloads the credit application and the PDA application together with the PIN. The PDA 108 stores the PDA application and PIN in the storage unit 310 and stores the credit application and PIN in the storage unit 406 of the IC card 110 through the IC card reader / writer 302. In this manner, PIN consistency can be maintained between the card member's PDA and the IC card.

In addition, for example, the following items can be considered as products that can be sold to card members in the present embodiment.
(1) Goods delivered to cardholders via distribution channels. In this case, in step S532, only the receipt information is transmitted to the PDA 108, and the merchandise is delivered to the card member at a later date.
(2) Information (content) such as music and video distributed from the content server. These contents can be distributed to the PDA 108 in step S532 of FIG.
(3) Air tickets, boarding tickets, accommodation tickets, gift certificates, admission tickets for event venues such as sports and concerts, etc. For example, when a travel agent sells an air ticket at the content server 104, the card member who has received the authentication result by the PDA 108 may go to the travel agent at a later date and receive the purchased air ticket.

(Second Embodiment)
Next, an embodiment in the case of selling an event venue admission ticket using a content server will be described.
FIG. 11 is a block diagram showing a system configuration of a network system according to the second embodiment of the present invention, which is different from the above-described embodiment in that a venue terminal 1102 is connected to the Internet 102.

  The venue terminal 1102 is an information processing device that is installed near the entrance of the event venue and issues an admission ticket. The storage unit 1108 stores data used for computer programs and arithmetic processing, and each configuration of the settlement server. A control unit 1106 for controlling the elements, a communication interface (I / F) 1104 for realizing communication via the Internet 102 and communication with the authentication server 112, a display unit 1112 constituted by a CRT, etc. An output unit 1110 that prints and outputs the data is included. In the venue terminal 1102, the control unit 1106 that has read the computer program stored in the storage unit 1108 performs arithmetic processing based on the program command of the computer program, or transmits and receives data via the communication I / F 1104. As a result, processing to be described later is executed.

  In this embodiment, the communication I / F 308 of the PDA 108 and the communication I / F 1104 of the hall terminal 1102 have a short-range wireless communication function for performing communication with each other.

Next, the flow of the settlement method according to the present embodiment will be described with reference to FIG.
Steps S502 to S530 are the same as in the above-described embodiment.
In step S530, the content server 104 that has received the authentication result issues entrance identification information for identifying the purchaser of the entrance ticket, and transmits it to the PDA 108 (step S532). The PDA 108 stores the received entrance identification information in the storage unit 310. At the same time, the content server 104 transmits the entrance identification information to the venue terminal 1102 (step S1202). The venue terminal 1102 stores the received entrance identification information in the storage unit 1108.

  When entering the event venue, the card member operates the PDA 108 to establish wireless communication with the venue terminal 1102, transmits entrance identification information to the venue terminal 1102, and confirms that the card member has already purchased the entrance ticket. Request. The venue terminal 1102 determines whether or not the received entrance identification information is stored in the storage unit 1108. When it is determined that the received entrance identification information is the same as the stored one, an entrance ticket is issued from the output unit 1110.

  As described above, the PDA according to the present embodiment receives the admission ticket identification information for identifying the purchased admission ticket from the content server that transferred the result of the authentication process, stores the received merchandise identification information, The stored product identification information is transmitted to an external terminal to request confirmation that the product identification information has been generated by the content server. As a result, card members need only have a PDA to go to the event venue, eliminating the need for a credit card or admission ticket.

Communication between the PDA 108 and the venue terminal 1102 may be performed through a wired line.
Further, the PDA 108 may store a program for communicating with the venue terminal 1102 as described above, or may be downloaded from the content server 104 in step S532.

  Further, the admission ticket identification information may not be transmitted to the hall terminal 1102 in step S1202. In this case, the venue terminal 1102 that has received the admission ticket identification information in step S1204 transfers the received admission ticket identification information to the content server 104 and inquires whether the identification information has been issued.

  Furthermore, in the present embodiment, the venue terminal 1102 issues the admission ticket. However, the venue terminal may not simply issue the admission ticket but simply confirm the purchaser of the admission ticket. For example, the venue terminal may be configured as an information processing terminal connected to a control device that controls opening and closing of the entrance door of the venue. In this case, after confirming the entrance identification information in step S1204, the terminal transmits a signal instructing the control device to open the door. In response to receiving this signal, the control device opens the entrance door.

(Third embodiment)
Subsequently, a third embodiment of the present invention will be described.
FIG. 13 is a block diagram showing a configuration of the network system according to the present embodiment, which is different from the network system shown in FIG. 1 in that there is no settlement server. In the present embodiment, the content server 104 also has the function of the settlement server 106 described above.

  FIG. 14 is a diagram showing a flow of the settlement method according to the present embodiment. FIG. 15 is a diagram showing the contents of information transmitted and received between information processing devices that constitute the network system in the settlement method according to the present embodiment. Next, the procedure of the settlement method according to this embodiment will be described with reference to FIGS.

The processing from step S502 to step S508 is the same as that in the first embodiment described above.
Upon receiving the settlement transaction request information in step S508, the PDA 108 transmits a credit application activation request to the IC card 110 (step S610). In response to this instruction, the IC card 110 activates the credit application. Thereafter, the processing on the IC card 110 side among the processing up to step S616 is executed based on the program command of the application.

  The IC card 110 requests the PDA 108 to input a PIN (step S612). In response to the PIN input request, the PDA 108 inputs the PIN stored in the storage unit 310 to the IC card 110 (step S614). The IC card 110 collates the input PIN with the PIN stored in the storage unit 406, and transmits the card information to the PDA 108 if they match (step S616). The PDA 108 transmits credit processing request information including the product number of the product to be purchased, the number of items to be purchased, and the received card information to the content server 104 (step S618).

  The content server 106 transfers the member store ID and the credit processing request information received from the PDA 108 to the authentication server 112 (step S620). The authentication server 112 performs credit processing based on the received information. That is, as in the first embodiment, the card information table and the member store table in the DB are referred to and it is confirmed that the received card information and the received member store ID are valid. After this confirmation, it is determined whether or not the transaction is possible based on the card information, and the purchase amount and the reception date and time related to the current transaction are added to the purchase information table.

  The authentication server 112 transmits the order number and the credit processing result (authentication result) to the content server 104 (step S622). When the content server 104 receives the order number and the authentication result and confirms the conclusion of the product purchase, the content server 104 retrieves the information held in step S504, and obtains the product name corresponding to the product number included in this information from the information shown in FIG. Acquire and create receipt information related to purchase transactions. Then, the receipt information and the authentication result are transmitted to the PDA 108 (step S624). The PDA 108 analyzes the received information and displays the analysis result on the display unit 306.

  The preferred embodiments of the settlement apparatus and related technology according to the present invention have been described above with reference to the accompanying drawings, but the present invention is not limited to such examples. It is obvious for those skilled in the art that various modifications or modifications can be conceived within the scope of the technical idea described in the claims, and these are naturally within the technical scope of the present invention. It is understood that it belongs.

It is a block diagram which shows the structure of the network system which concerns on one Embodiment of this invention. It is a figure which shows an example of the information memorize | stored in the content server which concerns on one Embodiment of this invention. It is a block diagram which shows the function structure of the payment system which concerns on one Embodiment of this invention. It is a figure which shows the table memorize | stored in the authentication server which concerns on one Embodiment of this invention. It is a figure which shows the function structure of PDA which concerns on one Embodiment of this invention. It is a figure which shows the function structure of the IC card which concerns on one Embodiment of this invention. It is a figure which shows the flow of the payment method which concerns on one Embodiment of this invention. It is a figure which shows the content of the information transmitted / received between information processing apparatuses in the payment method shown in FIG. It is a figure which shows an example of the screen displayed on the display part of PDA. It is a figure which shows an example of the screen displayed on the display part of PDA. It is a block diagram which shows the structure of the network system which concerns on one Embodiment of this invention. It is a figure which shows the flow of the payment method which concerns on one Embodiment of this invention. It is a block diagram which shows the structure of the network system which concerns on one Embodiment of this invention. It is a figure which shows the flow of the payment method which concerns on one Embodiment of this invention. It is a figure which shows the content of the information transmitted / received between information processing apparatuses in the payment method shown in FIG.

Explanation of symbols

102 Internet 104 Content Server 106 Payment Server 112 Payment Server 114 Payment System 108 PDA
110 IC card 202 Storage unit 204 Control unit 206 Communication I / F
208 Communication I / F
210 Control Unit 212 Storage Unit 302 IC Card Reader / Writer 304 Control Unit 306 Display Unit 308 Communication I / F
310 Storage Unit 312 Input Unit 404 Communication I / F
406 Storage unit 1102 Venue terminal 1104 Communication I / F
1106 Control unit 1108 Storage unit 1110 Output unit 1112 Display unit

Claims (11)

A payment apparatus having a first information processing unit that stores card information for performing a payment transaction and a second information processing unit that transmits the card information to a payment system that performs an authentication process related to the payment transaction. The second information processing unit
A payment method designation information transmitting means for transmitting payment method designation information for designating a payment method of a product to be purchased to a content server that provides product information;
When receiving the settlement transaction request information for requesting the settlement transaction by the settlement method from the content server that has received the settlement method designation information, the purchase amount of the purchase target product is sent to the settlement system corresponding to the settlement method. Authentication request information transmitting means for transmitting request information for authentication processing including information;
When receiving card information request information for requesting the card information from the payment system that has received the request information for the authentication process, card information acquisition means for acquiring the card information from the first information processing unit;
Card information transfer means for transferring the card information acquired by the card information acquisition means to the payment system;
A payment apparatus comprising: a result transfer unit configured to transfer a result of the authentication process based on the authentication process request information and the card information to the content server when the result of the authentication process is received from the payment system. A payment apparatus having a first information processing unit that stores card information for performing a payment transaction, and a second information processing unit that transmits the card information to an authentication server that performs an authentication process related to the payment transaction. The second information processing unit
A payment method designation information transmitting means for transmitting payment method designation information for designating a payment method of a product to be purchased to a content server that provides product information;
Card information acquisition means for acquiring the card information from the first information processing unit upon receiving payment transaction request information for requesting a payment transaction by the payment method from the content server that has received the payment method designation information;
Authentication request information for transmitting card information acquired by the card information acquisition means, information on the purchase price of the purchase target product, and request information for authentication processing including the card information to the authentication server via the content server A transmission means;
And a result receiving means for receiving a result of the authentication process based on the request information of the authentication process from the authentication server via the content server. 3. The settlement apparatus according to claim 1, wherein the second information processing unit is
Product identification information receiving means for receiving identification information of purchased products generated by the content server from the content server;
Commodity identification information storage means for storing commodity identification information received by the commodity identification information receiving means;
Means for transmitting the product identification information stored in the product identification information storage means to an external terminal and requesting confirmation that the identification information of the purchased product has been generated by the content server. A payment device. 4. The settlement apparatus according to claim 1, wherein the second information processing unit includes:
Payment method selection request information receiving means for receiving payment method selection request information for requesting payment method selection from the content server is further provided, wherein the payment method designation information transmitting means receives the payment method selection request information. A payment apparatus characterized by transmitting the payment method designation information in response. 5. The settlement apparatus according to claim 1, wherein the first information processing unit includes:
A password storage means for storing the password;
A password input request information transmitting means for transmitting password input request information for requesting the input of the password to the second information processing unit;
A card information transmission unit that collates information input from the second information processing unit with a password stored in the storage unit and transmits the card information in accordance with the collation result. Payment device. A payment system that performs authentication processing related to purchase transactions of products,
Storage means for storing card information for conducting a settlement transaction;
Authentication request information receiving means for receiving authentication processing request information including information on the purchase price of the product from the information processing device;
Upon receiving the request information for the authentication process, an instruction transmission means for transmitting an instruction for requesting transmission of the card information to the information processing apparatus;
Card information receiving means for receiving the card information from the information processing apparatus that has received the instruction;
Means for performing the authentication process using the authentication request information received by the authentication request information receiving means, the card information received by the card information receiving means, and the card information stored in the storage means. A payment system characterized by An information processing apparatus comprising: a first information processing unit that stores card information for performing a payment transaction; and a second information processing unit that transmits the card information to a payment system that performs an authentication process related to the payment transaction. A payment method executed by the second information processing unit,
Sending settlement method designation information for designating a settlement method for a product to be purchased to a content server that provides product information;
When receiving the settlement transaction request information for requesting the settlement transaction by the settlement method from the content server that has received the settlement method designation information, the purchase amount of the purchase target product is sent to the settlement system corresponding to the settlement method. Sending authentication processing request information including information;
Receiving card information request information for requesting the card information from the payment system that has received the authentication processing request information, obtaining the card information from the first information processing unit;
Transferring the card information acquired in the acquiring step to the payment system;
And receiving the authentication processing result based on the authentication processing request information and the card information from the payment system, and transferring the result to the content server. In an information processing apparatus comprising: a first information processing unit that stores card information for performing a settlement transaction; and a second information processing unit that transmits the card information to an authentication server that performs an authentication process related to the settlement transaction. A payment method executed by the second information processing unit,
Sending settlement method designation information for designating a settlement method for a product to be purchased to a content server that provides product information;
Receiving the payment transaction request information for requesting a payment transaction by the payment method from the content server that has received the payment method designation information, obtaining the card information from the first information processing unit;
Transmitting the card information acquired in the acquiring step, information on the purchase amount of the purchase target product and authentication processing request information including the card information to the authentication server via the content server;
Receiving a result of an authentication process based on the request information of the authentication process from the authentication server via the content server. A payment method executed by a payment system that performs authentication processing related to a product purchase transaction, wherein the payment system stores card information for performing a payment transaction, and the payment method includes:
Receiving request information for authentication processing including information on the purchase price of the product from the information processing device;
When receiving the request information for the authentication process, transmitting an instruction for requesting transmission of the card information to the information processing device;
Receiving the card information from the information processing apparatus that has received the instruction;
And a step of performing the authentication process using the received authentication process request information, the received card information and the stored card information.   A computer program for causing a computer to function as the second information processing unit according to claim 1.   A computer program for causing a computer to function as the settlement system according to claim 6.

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