JP2006221502A - Electronic settlement system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electronic settlement system having a high level of security, capable of confirming electronic settlement records such as electronic settlement information at an arbitrary time and place by using both an electromagnetic card and a personal digital assistant such as a portable telephone. <P>SOLUTION: In this electronic settlement system using the electromagnetic card 11 and the personal digital assistant 13 on which the personal information of a regular owner is registered, both are collated by first information that specifies the electromagnetic card 11, and second information that specifies the personal digital assistant 13. Furthermore, by collating the user's personal information input in the personal digital assistant 13 and the previously registered regular owner's personal information of the personal digital assistant 13, the regular owner of the electronic card 11 and the personal digital assistant 13 is determined. Only when the collation results are identical, use of the electronic card 11 is permitted. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to an electronic settlement system that improves a security function using an electromagnetic card and a portable information terminal.

  In recent years, electromagnetic cards have been increasingly used for transportation and public telephones or for payment at retail stores. Among electromagnetic cards, for example, IC cards can record information of several tens of kilobytes and have high convenience in comparison with magnetic cards such as having an arithmetic function. Yes.

  Main electronic payment methods using IC cards include a credit card type, an electronic money type, and a cash card type.

  Credit card-type electronic payments are made by a credit company lending an IC card to a user, withdrawn from the bank account specified by the user approximately one to two months later, and transferred to the bank account of the customer. Done. In the past, a user's signature was required when using a credit card. However, in recent years, the number of cases where a user's signature is not required, such as when paying tolls on a highway or making a small payment at a retail store, has increased. (For example, see Patent Document 1).

  In electronic money type electronic payment, prepaid electronic money “Edy” (brand name of electronic money service) operated by Bit Wallet Co., Ltd., “Suica” (registered trademark of JR East Japan) operated by railway companies, "(Registered trademark of JR West Japan) is representative. The prepaid monetary value information is recorded on the IC card, and if it is within the recorded monetary value range, the IC card can be used for electronic payment at a predetermined storefront terminal or an automatic ticket gate of a station. Yes (see, for example, Patent Document 2). And since the said IC card does not require authentication of the principal, it is often used for small-value transactions.

  Also, in cash card type electronic payment, a cash card that is loaned to a deposit / save by a financial institution is representative. In recent years, there are increasing cases where a cash card can be used as a debit card. When used as a debit card, the identity of the person is authenticated by the owner's password (for example, a personal identification number of a bank account). Then, the settlement is debited from the owner's bank account in real time and transferred to the bank account of the business partner. In the case of a debit card, transactions exceeding the owner's deposit balance cannot be made.

Furthermore, it is difficult for an IC card to read information recorded on the card compared to a magnetic card or the like, and forgery or the like is also difficult. In addition, it is possible to provide an advanced authentication function as compared with a magnetic card.
Japanese Patent Laid-Open No. 9-237298 JP-A-10-293867

  However, although the IC card is more convenient than the conventional magnetic card, its security function is not perfect. For example, when browsing a history of electronic payment, a designated terminal must be used. Further, even when an unauthorized acquirer uses an IC card that has been acquired illegally, for example, as described in the background art, there is a case where the IC card can be used without any problem without the signature or authentication of the principal. There is a problem that an economic loss occurs to the authorized owner of the IC card.

  Therefore, in order to eliminate unauthorized use of the IC card, measures such as a complicated and sophisticated personal authentication function are taken. However, they cause problems such as an increase in system cost, a decrease in processing speed, a decrease in business efficiency on the store side, and an economic loss.

  The present invention has been made to solve the above-mentioned problems, and relates to an electronic payment system using an electromagnetic card, and by using it together with a portable information terminal such as a mobile phone, the security function is enhanced and any time / place can be obtained. The purpose of this is to make it possible to check the history of electronic payment information.

  In order to solve the problems as described above, an electronic payment system of the present invention is an electronic payment system that performs electronic payment using a portable information terminal in which personal information of an electromagnetic card and a proper owner is registered, The first information for specifying the electromagnetic card is registered in the portable information terminal, the second information for specifying the portable information terminal is registered in the electromagnetic card, and when the electromagnetic card is used, the portable information terminal An input means for inputting the user's personal information to the information terminal, a collation means for the portable information terminal to collate the personal information of the authorized owner and the personal information of the user, and an electromagnetic wave registered in the portable information terminal. While collating the 1st information of an expression card, and the 1st information of an electromagnetic card, it collates the 2nd information of a personal digital assistant registered with an electromagnetic card, and the 2nd information of a personal digital assistant By An authentication means for authenticating the authorized owner of the electromagnetic card; and an authorization means for allowing the portable information terminal to use the electromagnetic card when it is authenticated as the authorized owner of the portable information terminal and the electromagnetic card; It comprises.

  Furthermore, the portable information terminal may have means for permitting the use of the electromagnetic card only when the electromagnetic card and the portable information terminal are within a predetermined range where they can communicate with each other by infrared rays or weak radio waves.

  Furthermore, when the user of the portable information terminal and the electromagnetic card is different from the authorized owner, the portable information terminal may include a prohibiting unit that prohibits the use of the electromagnetic card.

  Furthermore, the portable information terminal includes a transmission means for transmitting warning information regarding unauthorized use of the electromagnetic card to the electronic payment service provider when the user of the portable information terminal and the electromagnetic card is different from the authorized owner. Also good.

  As a result, the security function of the electromagnetic card can be dramatically improved.

  In addition, the electronic payment system of the present invention may include a recording unit that records an electronic payment history on an electromagnetic card or a portable information terminal.

  Furthermore, the electronic payment history recorded on the electromagnetic card or the portable information terminal may be displayed on the image display device of the portable information terminal or may be output by an audio output device.

  As a result, the history of electronic payment information and the like can be confirmed at an arbitrary time and place, so that the convenience of the electronic payment system can be improved.

  In the electronic payment system of the present invention, the personal information of the authorized owner of the portable information terminal may be one or more types of information in a fingerprint, a retina pattern, an iris pattern, a face shape, and a voiceprint.

  Furthermore, the fingerprint may be recognized using a capacitive semiconductor sensor system or an electronic camera mounted on the portable information terminal.

  Further, the retinal pattern or iris pattern may be recognized using an electronic camera mounted on the portable information terminal.

  Furthermore, the shape of the face may be recognized using an electronic camera mounted on the portable information terminal.

  Further, the face shape may be recognized three-dimensionally by photographing the face from two directions.

  Further, the voiceprint may be recognized using a voice input device mounted on the portable information terminal.

  As a result, since biometric information that is unique to all people can be used as personal information, an electronic payment system with a high security function can be provided.

  In the electronic payment system of the present invention, a recording device may be mounted on a portable information terminal.

  Thereby, the amount of information recorded on the portable information terminal can be dramatically increased.

  According to the electronic settlement system of the present invention, by enhancing the personal authentication function of the electromagnetic card, it is possible to prevent use by anyone other than the authorized owner and enhance its security function. Furthermore, the convenience of use can be enhanced, such as the use history of electronic payment can be confirmed on a portable information terminal or the like.

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

(Embodiment 1)
FIG. 1 is a configuration diagram of an electronic payment system according to Embodiment 1 of the present invention.

  As shown in FIG. 1, the electronic payment system according to the first embodiment is owned by an electromagnetic card 11 such as an IC card, an electromagnetic card issuance / payment processing terminal 12, and an authorized owner of the electromagnetic card 11. For example, a portable information terminal 13 such as a mobile phone, a storefront terminal 14 that performs payment for goods, an automatic ticket gate 15 such as a station, a financial account 16 related to a storefront terminal or transportation, an electronic settlement center 17, and a network 18 Consists of. Here, in the portable information terminal 13, personal information of the authorized owner is registered in advance in a recording medium such as a semiconductor memory of the portable information terminal 13. The personal information of the authorized owner is one or more types of information such as a fingerprint, a retina pattern, an iris pattern, a face shape, and a voiceprint.

  Hereinafter, the flow of electronic payment in the electronic payment system according to Embodiment 1 of the present invention will be described with reference to FIG. FIG. 2 is a flowchart of electronic payment in the electronic payment system. In the drawing, the step is indicated by S.

  First, as shown in FIG. 2, the electromagnetic card 11 is purchased at the electromagnetic card issuance / payment processing terminal 12 (step 101).

  Next, the portable information terminal 13 which the purchaser of the electromagnetic card 11 has and the electromagnetic card 11 are associated with each other. That is, first information (for example, a manufacturing number, an issuance number, a personal identification number, etc.) specifying the electromagnetic card 11 is registered in the recording medium of the portable information terminal 13. At the same time, second information (for example, a manufacturing number, a password, a telephone number, etc.) for specifying the portable information terminal 13 is registered in a recording medium such as a semiconductor memory of the electromagnetic card 11 (step 102). By performing the above processing, the electromagnetic card 11 becomes ready for use.

  Next, a depositing process is performed on the electromagnetic card 11 in a usable state using the electromagnetic card issuing / depositing processing terminal 12. For example, when 10,000 yen of cash is deposited in the electromagnetic card issuance / payment processing terminal 12, it is deposited in a financial account managed by the electronic settlement center 17, and the electromagnetic card 11 has a frame capable of settlement of 10,000 yen. (Step 103).

  Next, in the case of performing payment processing with the electromagnetic card 11, the user of the electromagnetic card 11 inputs personal information of the user at the portable information terminal 13 within a predetermined time before the payment processing (step 104). . Here, the predetermined time can be arbitrarily set by the user who is the authorized owner of the portable information terminal 13, but it is safer in terms of security if it is set to a short time, for example, about several minutes. This is because if the predetermined time is set to a long period, it is not necessary to collate the personal information described in the following steps, and therefore, if the use of the electromagnetic card 11 is permitted, it can be used illegally. Because.

  Next, the personal information of the user input to the portable information terminal 13 is collated with the personal information of the authorized owner of the portable information terminal 13 registered in advance (step 105). The personal information of the authorized owner and the input personal information of the user are one or more types of information such as a fingerprint, a retina pattern, an iris pattern, a face shape, and a voiceprint.

  Next, when the personal information matches, the portable information terminal 13 gives permission information (for example, information for permitting communication with the store terminal 14) to the electromagnetic card 11 (step 106). Note that information exchange between the portable information terminal 13 and the electromagnetic card 11 is preferably performed within a predetermined range in which communication is possible, for example, several meters by weak radio waves or infrared rays.

  Next, the electromagnetic card 11 to which use permission information is given can be settled at an automatic ticket gate 15 such as a storefront terminal 14 or a station (step 107). For example, when a passenger rides 1,000 yen on a railroad or the like, 1000 yen is subtracted from the settable frame of the electromagnetic card 11 when getting off through the automatic ticket gate 15.

  Next, from the financial account managed by the electronic settlement center 17, for example, to the financial account 16 of the railway company, an amount of money deducted from a predetermined fee is transferred to the electromagnetic card 11. An electronic payment history such as an institution name, a usage section, and a usage amount is recorded (step 108). This electronic payment history is transmitted from the electromagnetic card 11 in response to a browsing request of the portable information terminal 13 and displayed on an image display device such as a liquid crystal display of the portable information terminal 13 or an audio output device such as a microphone. It can be output and viewed. The electronic payment history can be recorded from the electromagnetic card 11 on the recording medium of the portable information terminal 13 and appropriately viewed. In this case, a large amount of electronic payment history can be recorded.

  The case where the personal information of the user of the portable information terminal 13 does not match the personal information of the authorized owner of the portable information terminal 13 registered in advance in step 105 will be described below.

  If the input personal information of the user of the mobile information terminal 13 does not match the personal information of the authorized owner of the mobile information terminal 13 registered in advance, the mobile information terminal 13 informs the user of the personal information. Is requested again, and re-collation is repeated (step 109). This re-input and re-collation can be set any number of times (for example, N times) by the authorized owner. For example, if N = 3 and the personal information does not match even after three re-inputs and re-collation, the portable information terminal 13 does not give the usage permission information to the electromagnetic card 11. The use of the electromagnetic card 11 at the store terminal 14 or the automatic ticket gate 15 is prohibited, and the electromagnetic card 11 is invalidated (step 110).

  Further, warning information regarding unauthorized use is transmitted to the electronic settlement center 17 via the network 18 (step 111).

  Below, the input method of the personal information of an authorized owner of a personal digital assistant and the personal information of a user is explained.

  As described above, the personal information is one or more types of information such as a fingerprint, a retina pattern, an iris pattern, a face shape, and a voiceprint.

  First, fingerprint information such as the shape and arrangement of one or more fingerprints in a finger of a hand is used by using, for example, a capacitive semiconductor sensor or an electronic camera mounted on a portable information terminal such as a cellular phone. Then, the information is registered in a recording medium such as a semiconductor memory of the portable information terminal.

  In addition, the retinal pattern or iris pattern is obtained by photographing a retinal pattern or iris pattern of at least one eyeball using an electronic camera mounted on the portable information terminal, and the pattern information of the portable information terminal, for example, a semiconductor memory or the like. To the recording medium.

  The facial shape is measured using an electronic camera mounted on a portable information terminal, the face is photographed, and the positional relationship between the eyeball, nose, lips, etc., and a reference point is measured. Is registered in a recording medium such as a semiconductor memory of the portable information terminal. In this case, the face may be photographed from two directions to grasp the shape of the face three-dimensionally.

  The voiceprint analyzes the frequency of the recorded voice using the voice recording function of the portable information terminal, and registers the frequency information in a recording medium such as a semiconductor memory of the portable information terminal.

  The use of the electromagnetic card is permitted by collating the personal information of the authorized owner registered in advance in the portable information terminal with the personal information input before using the electromagnetic card 11 as described above. Since it is determined, a system with an extremely high security function can be obtained.

  In other words, when thinking about general daily life, a portable information terminal such as a mobile phone and a wallet are always carried when going out. In general, electromagnetic cards are carried in wallets. Therefore, as described above, information exchange by communication between the electromagnetic card and the portable information terminal can be performed by weak radio waves or infrared rays. In addition, although the reach distance of weak radio waves or infrared rays is about several meters, it is a sufficient distance to give permission to use the electromagnetic card in a normal use state.

  On the other hand, if the wallet is lost, the electromagnetic card will be lost at the same time. However, if there is a portable information terminal at hand, the use of the electromagnetic card can be prohibited, so that its unauthorized use can be prevented. In general, the possibility of losing the wallet and the portable information terminal at the same time is much lower than the case of losing only the wallet, so the safety is high.

(Embodiment 2)
FIG. 3 is a configuration diagram of the electronic settlement system according to the second embodiment of the present invention.

  As shown in FIG. 3, the electronic settlement system according to the second embodiment includes an electromagnetic card 21 lent by a credit company, such as an IC card, and a mobile phone owned by an authorized owner of the electromagnetic card 21, for example. Such as a portable information terminal 23, a storefront terminal 24 that performs payment for merchandise, an electronic settlement center 26, a financial account 27 related to the storefront terminal 24, a network 28, and a financial account 29 of a user of the electromagnetic card 21. Composed. Here, the personal information of the authorized owner is registered in advance in the portable information terminal 23 in a recording medium such as a semiconductor memory of the portable information terminal 23. The personal information of the authorized owner is one or more types of information such as a fingerprint, a retina pattern, an iris pattern, a face shape, and a voiceprint.

  Hereinafter, the flow of electronic payment in the electronic payment system according to Embodiment 2 of the present invention will be described with reference to FIG. FIG. 4 is a flowchart of electronic payment in the electronic payment system. In the drawing, the step is indicated by S.

  First, the electromagnetic card 21 is sent from the credit company to the user (step 201).

  Next, the portable information terminal 23 and the electromagnetic card 21 which the user of the electromagnetic card 21 has are associated with each other. That is, first information for specifying the electromagnetic card 21 (for example, a card number, a manufacturing number, a password) is registered in the portable information terminal 23. At the same time, second information (for example, a manufacturing number, a personal identification number, a telephone number, etc.) for specifying the portable information terminal 23 is registered in a recording medium such as a semiconductor memory of the electromagnetic card 21 (step 202). By performing the above processing, the electromagnetic card 21 becomes usable.

  Next, when payment processing is performed with the electromagnetic card 21 in the usable state, the user of the electromagnetic card 21 inputs the personal information of the user to the portable information terminal 23 within a predetermined time before the payment processing. (Step 203). Here, the predetermined time can be arbitrarily set by the user who is the authorized owner of the portable information terminal 23, but it is safer to set the short time, for example, about several minutes. This is because if the predetermined time is set to a long period, it is not necessary to collate the personal information described in the following steps, and therefore, if the use of the electromagnetic card 21 is permitted, it can be used illegally. Because.

  Next, the personal information of the user input to the portable information terminal 23 is collated with the personal information of the authorized owner of the portable information terminal 23 registered in advance (step 204). The personal information of the authorized owner and the input personal information of the user are one or more types of information such as a fingerprint, a retina pattern, an iris pattern, a face shape, and a voiceprint.

  Next, when the personal information matches, the portable information terminal 23 gives use permission information (for example, information for permitting communication with the storefront terminal 24) to the electromagnetic card 21 (step 205). Note that information exchange between the portable information terminal 23 and the electromagnetic card 21 is preferably performed within a predetermined range in which communication is possible, for example, several meters by weak radio waves or infrared rays.

  Next, the electromagnetic card 21 to which use permission information is given by collating personal information is credit-paid using the electromagnetic card 21 through, for example, the store terminal 24 installed in the store where the product is purchased. A payment process for the purchased product can be performed (step 206). In order to further enhance the security function, authentication between the authorized owner of the credit card and the user may be performed by entering a signature or a personal identification number. However, if the purchase amount is small, authentication is particularly required. It does not have to be done.

  Next, information relating to the credit settlement is transmitted to the electronic settlement center 26 via the network 28 (step 207).

  Next, on a predetermined date, an amount obtained by subtracting a predetermined fee from a financial account 29 of a user who is an authorized owner of the electromagnetic card 21 to a financial account 27 such as a retail store where the product is purchased is transferred. A predetermined fee is transferred to the financial account managed by the electronic settlement center 26 (step 208).

  Next, an electronic payment history such as the product name, retail store name, and purchase price of the purchased product is recorded in the electromagnetic card 21 (step 209). This electronic payment history is transmitted from the electromagnetic card 21 in response to a browsing request from the portable information terminal 23 and displayed on an image display device such as a liquid crystal display of the portable information terminal 23, or an audio output device such as a microphone. Can be output and browsed. The electronic payment history can be recorded on the recording medium of the portable information terminal 23 from the electromagnetic card 21 and appropriately browsed. For example, when the portable information terminal 23 is equipped with a recording device composed of a large capacity memory such as an ultra-compact hard disk or flash memory card of 1 inch size or less, the electronic payment history is recorded and recorded in the recording device. By comparing the electronic payment history with the electronic payment history recorded in the electromagnetic card, the security function can be further enhanced. That is, when the electronic payment history recorded in the electromagnetic card and the portable information terminal is different, it is determined that the electromagnetic card is not properly used and the electronic payment can be stopped.

  The case where the personal information of the user of the portable information terminal 23 does not match the personal information of the authorized owner of the portable information terminal 23 registered in advance in step 204 will be described below.

  If the input personal information of the user of the mobile information terminal 23 does not match the personal information of the authorized owner of the mobile information terminal 23 registered in advance, the mobile information terminal 23 informs the user of the personal information. Is requested again, and re-collation is repeated (step 210). This re-input and re-collation can be set any number of times (for example, N times) by the authorized owner. For example, if N = 3 and personal information does not match even after three re-inputs and re-collation, the portable information terminal 23 does not give permission information to the electromagnetic card 21. The use of the electromagnetic card 21 at the store terminal 24 is prohibited, and the electromagnetic card 21 is invalidated (step 211).

  Further, warning information regarding unauthorized use is transmitted to the electronic settlement center 26 via the network 28 (step 212).

  According to the present invention, even if the electromagnetic card is lost, the possibility of unauthorized use of the electromagnetic card can be greatly reduced, so that an electronic settlement system with an improved security function can be realized.

  The personal information input method and the like can be performed by the same method as that shown in Embodiment Mode 1 of the present invention.

  The present invention is useful for an electronic settlement system using an electromagnetic card that requires a high security function.

Configuration diagram of an electronic payment system in Embodiment 1 of the present invention The flowchart explaining the electronic payment system in Embodiment 1 of this invention. The block diagram of the electronic payment system in Embodiment 2 of this invention The flowchart explaining the electronic payment system in Embodiment 2 of this invention

Explanation of symbols

11, 21 Electromagnetic card 12 Electromagnetic card issuance / payment processing terminal 13, 23 Mobile information terminal 14, 24 Store terminal 15 Automatic ticket gate 16, 27, 29 Financial account 17, 26 Electronic payment center 18, 28 Network

Claims (13)

An electronic payment system that makes electronic payments using a portable information terminal in which personal information of an electromagnetic card and an authorized owner is registered,
Registering first information for identifying the electromagnetic card in the portable information terminal, and registering second information for identifying the portable information terminal in the electromagnetic card;
When using the electromagnetic card, input means for inputting personal information of the user to the portable information terminal;
Collation means for collating personal information of the authorized owner and personal information of the user by the portable information terminal;
The portable information terminal collates the first information of the electromagnetic card registered in the portable information terminal with the first information of the electromagnetic card, and the portable information terminal registered in the electromagnetic card. An authenticating means for authenticating an authorized owner of the electromagnetic card by comparing the second information of the information terminal and the second information of the portable information terminal;
An electronic payment system comprising: a permission means for permitting use of the electromagnetic card when the portable information terminal is authenticated as an authorized owner of the portable information terminal and the electromagnetic card . The portable information terminal has means for permitting the use of the electromagnetic card only when the electromagnetic card and the portable information terminal are within a predetermined range in which they can communicate with each other by infrared rays or weak radio waves. The electronic payment system according to claim 1. The mobile information terminal has prohibition means for prohibiting use of the electromagnetic card when a user of the mobile information terminal and the electromagnetic card is different from the authorized owner. Item 3. The electronic payment system according to Item 2. Transmitting means for transmitting warning information regarding unauthorized use of the electromagnetic card to the electronic payment service provider when the user of the portable information terminal and the electromagnetic card is different from the authorized owner. The electronic payment system according to claim 3, further comprising: The electronic payment system according to claim 1, further comprising a recording unit that records an electronic payment history in the electromagnetic card or the portable information terminal. 6. The electronic payment history recorded in the electromagnetic card or the portable information terminal includes output means for displaying on an image display device of the portable information terminal or outputting by an audio output device. Electronic payment system. The personal information of the authorized owner of the portable information terminal is one or more kinds of information in a fingerprint, a retinal pattern, an iris pattern, a face shape, and a voiceprint. The electronic payment system described. 8. The electronic settlement system according to claim 7, wherein the fingerprint is recognized by using a capacitive semiconductor sensor system or an electronic camera mounted on the portable information terminal. 8. The electronic settlement system according to claim 7, wherein the retina pattern or the iris pattern is recognized using an electronic camera mounted on the portable information terminal. 8. The electronic settlement system according to claim 7, wherein the shape of the face is recognized using an electronic camera mounted on the portable information terminal. The electronic payment system according to claim 10, wherein the face shape is recognized three-dimensionally by photographing the face from two directions. 8. The electronic settlement system according to claim 7, wherein the voiceprint is recognized using a voice input device mounted on the portable information terminal. The electronic payment system according to claim 1 or 2, wherein a recording device is mounted on the portable information terminal.

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