JP2006251874A - Ic card settlement system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an IC card settlement system that enables payment settlement while a collector is not attended direct. <P>SOLUTION: An IC card is set in a building interphone or the like. A control part sets the status of the IC card so as to permit the settlement of a given amount of money between the IC card and a person accessing the IC card. The control part is provided with a settlement permission part for permitting the settlement using the IC card. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a payment system using an IC card, and relates to an IC card payment system that enables payment to be completed without directly facing a collector.

  Various rocker systems, communication systems, electronic payment systems, etc. using IC cards, POS registers, etc. are provided. Such systems include one that locks and unlocks a locker that stores a parcel delivery package using authentication information stored in an IC card, a POS register, etc., and one that settles package delivery. .

  For example, Patent Document 1 discloses a delivery system in which a box locker for storing and storing a delivery product is installed at an entrance of a condominium or the like in a station, and a portal post station having an IC card card reader or the like is installed near the box locker. is suggesting. The box locker is opened by operating this portal post station. The purpose of this system is to realize the receipt and delivery of commodities convenient for both the customer side and the delivery side.

  Patent Document 2 discloses a home delivery settlement system. In this system, the delivery destination room number and the delivery package code are input to the delivery box by the delivery company, the delivery destination room number is displayed, and the delivery package code and the payment end code of the payment are stored as unlocking conditions. After that, lock the locker with the delivery package.

  The absentee slip is printed with the delivery agent list and delivery package code as a barcode, and when the POS register accepts the settlement process using the absentee slip by the recipient, the settlement processing is performed with the delivery company computer. And issue a receipt on which a bar code indicating a delivery package code and a bar code indicating payment have been printed. The delivery box unlocks the receipt barcode when the result matches the unlocking conditions set in the memory by the barcode reading means. The purpose of this system is to store packages in a parcel delivery box and eliminate the need for collection by a delivery person even when there is no recipient at the time of delivery of packages for cash on delivery or cash on delivery.

JP 2002-291607 A JP 2004-78630 A

  However, even when the conventional system as described above is used, when a collector such as a newspaper fee or a television reception fee comes to collect money at home, the fee cannot be paid if the resident is absent. In addition, even if the resident is at home, he / she cannot pay the fee if he / she is unable to go outside (eg, if he / she falls asleep due to illness).

  The present invention provides an IC card settlement system that makes it possible to perform payment settlement without facing a collector.

  In the IC card settlement system of the present invention, in a building, a predetermined fee can be settled between an IC card installed at a position accessible to a person and the IC card and a person accessing the IC card. A control unit that sets a status of the IC card; and a settlement permission unit that permits the control unit to perform settlement using the IC card.

  According to the above system, a person such as a collector who wants to make a settlement can make a settlement by accessing the IC card. Therefore, the resident of the building can make a settlement without facing the collector, and the settlement procedure can be made smooth.

  Further, based on the authentication information input unit for inputting the authentication information for indicating that the access to the IC card is permitted, and the authentication information input to the authentication information input unit. An authentication unit that authenticates the person and instructs the control unit to set the status of the IC card so that a predetermined fee can be settled between the IC card and a person accessing the IC card. And can be further provided.

  According to the above configuration, since it is possible to confirm whether or not the collector or the like has the authority to access the IC card, a highly secure system is provided.

  Further, as the authentication information, at least one of a personal identification number, a password, and biometric authentication information of a person accessing the IC card can be used. The authentication information may be provided by a reader / writer owned by a person who accesses the IC card. Furthermore, the IC card and the authentication information input unit can be arranged on an intercom or a door of the building.

  Furthermore, the control unit, the authentication unit, and the settlement permission unit can be connected to a predetermined communication device that issues a predetermined command. A telephone existing inside the building is used for the communication device, and the settlement permission unit can be configured by a call analysis unit that analyzes the content of a call with the telephone including the settlement permission that is the predetermined command. .

  According to the above configuration, the system can be operated from the outside of the house through a predetermined communication device, so that payment can be made even if the IC card owner is not at home.

  Further, the settlement permission unit is configured by a setting input unit that can perform a predetermined input for settlement permission by a person inside the building, and the control unit and the authentication unit are also configured by the setting input unit. It can be configured to be operable.

  According to the above configuration, payment can be made even in a situation where the IC card owner or the like cannot go out even when at home or does not want to go out.

  Further, the IC card may be arranged on the intercom of the building, and the setting input unit may be configured by a terminal inside the building of the intercom. In this case, the building-inside terminal can be configured to be able to communicate with a communication device equipped with an IC chip.

  According to the present invention, there is a system that enables payment at the entrance of a house even when one of the parties, such as a resident of a building or an IC card owner, is out of the house or out of the house. Provided.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings.

(First embodiment)
FIG. 1 is a diagram conceptually showing a charge payment settlement using the first embodiment of the IC card settlement system according to the present invention. Under the circumstances where this embodiment is applied, the collector visited the owner's house to collect a predetermined fee such as a newspaper fee, TV reception fee, etc., but the IC card owner is not at home, so the fee Can not be collected. By using the system of the present embodiment, the owner can connect to a home phone from an external destination phone and remotely control the IC card in the system through a telephone line. The collector can collect charges from the IC card.

  The home phone and the IC card installed at the entrance of the home can communicate with each other through a predetermined communication line. This communication line is not particularly limited, and may be configured by a LAN (Local Area Network) or the like.

  In this embodiment, the IC card is embedded in an interphone installed at the entrance of the owner's house. However, the installation position of the IC card is not particularly limited, and the IC card can be installed in another place away from the intercom. For example, it can be provided next to a post box or outside a delivery locker. The IC card can be installed outside the house, such as a collector, at a place (accessible position) where an external person can access the IC card.

  The kind of IC card used in the present invention is not particularly limited. For example, as a method for reading and writing data, an arbitrary method such as a contact type, a non-contact type, a hybrid type, or a combination type can be adopted. The IC card is linked to the IC card owner's account, and the fee is debited from the owner's account by writing a predetermined fee (collection fee) to the IC card.

  Next, a description will be given of a procedure for paying a fee in a situation where the collector has visited the house for collecting a predetermined fee when the owner of the IC card is absent.

  When the collector confirms the absence of the resident, he / she can call the IC card owner with his / her mobile phone in response to the phone of the owner who knows in advance (phone that the owner can receive, such as a work phone or mobile phone) Make a call saying "The fee will be 1000 yen" (Figure 1; STEP 1).

  Upon receiving this notification, the IC card owner makes a call connection from the current phone to the home phone (FIG. 1; STEP 2). This call corresponds to an instruction to perform various settings (lock release, lock setting, charge setting, etc.) of the IC card installed in the home intercom.

  When receiving an instruction from the owner, the home phone controls the IC card installed in the intercom in accordance with the instruction. First, the IC card is unlocked according to the instruction, and the IC card status is ready for settlement (FIG. 1; STEP 3).

  In the above, the IC card owner unlocked the IC card only by receiving a call from the collector. However, when releasing the IC card, it may be necessary to authenticate whether or not the collector is a true collector, in other words, whether or not access to the IC card is permitted. When performing this authentication, it is possible to apply a collector authentication method using predetermined authentication information indicating that access to the IC card is permitted, such as the following (A) and (B). Possible (FIG. 1; STEP3A). However, whether or not to perform this authentication is arbitrary, and is not limited to the methods (A) and (B). Biometric authentication such as fingerprint authentication and iris authentication can also be adopted (adoption of biometric authentication information).

  (A) A password as authentication information corresponding to unlocking is set in advance. This personal identification number is known only to a specific person who is allowed to access the IC card, such as a collector. Then, the collector is instructed to input a personal identification number through the voice function of the intercom. Only a true collector who knows the personal identification number can input the personal identification number through a predetermined input key of the intercom and unlock the IC card (security number authentication). Password authentication using a password as authentication information instead of a personal identification number can also be adopted.

  (B) An IC card R / W (reader / writer) that can be unlocked is specified in advance. Such unlockable R / W is owned only by a specific person such as a collector who is permitted to access the IC card. Then, the authentication information (R / W product number, etc.) specifying the own R / W is sent to the IC card to the collector through the voice function of the interphone, etc. (approaching to a predetermined place of the interphone, etc.) Instruct). Only a true collector who has R / W that can be unlocked can unlock the IC card by R / W authentication using the IC card (R / W authentication).

  When the IC card is unlocked, the amount can be settled. Then, the collector inputs a fee “1000 yen” to be collected through an input key or the like provided on the intercom. Then, information indicating that 1000 yen should be deducted from the owner's account at a later date is written on the IC card. This completes the settlement (FIG. 1; STEP 4). After writing, the unlocked IC card lock is restored, and the IC card is in a locked state (payable state). The unlocking instruction is included in advance in the instruction from the first owner, and is automatically performed simultaneously with the end of settlement (FIG. 1; STEP 5).

  FIG. 2 is a sequence diagram showing a payment procedure under the IC card payment system according to the first embodiment.

  The collector makes a call to the owner (step S1; equivalent to STEP 1 in FIG. 1), and in response, the owner makes a call to the home phone (step S2; equivalent to STEP 2 in FIG. 1). Then, the home phone analyzes the content of the call from the owner (IC card unlocking and 1000 yen settlement) (step S3a), and sets the price of the charge to the charge setting unit (step S3b). Further, the home phone sends a request for unlocking the IC card to the control unit (step S3c). The above steps S3a, S3b, and S3c are included in STEP3 of FIG.

  Next, authentication of the collector is started by input of a personal identification number from the collector (step S3Aa). The authentication unit that has received the personal identification number notifies the control unit that the collector has been correctly authenticated (step S3Ab), and the charge setting unit instructs the control unit to enable 1000 yen settlement. (Step S3d). Upon receiving these notifications and instructions, the control unit unlocks the IC card and sets the status for enabling settlement of the payment fee of 1000 yen to the IC card (step S3e). Step S3Aa and step S3Ab are included in STEP 3A of FIG. 1, and step S3d and step S3e are included in STEP 3 of FIG.

  The collector then writes a charge of 1000 yen to the IC card (step S4a), and the payment is completed upon receipt of this writing (step S4b). Steps S4a and S4b are included in STEP4 of FIG. Then, the IC card is locked again (step S5; corresponding to STEP5 in FIG. 1).

  FIG. 3 shows a block diagram of the IC card payment system in the first embodiment. The IC card settlement system includes an interphone 10 installed at an entrance outside the house, an indoor module (building-inside terminal) 20 connected to the interphone 10 via a communication line 70 and installed inside the house, And a home telephone 30 connected to the indoor module 20 via a communication line 60. The communication lines 60 and 70 may be wired communication or wireless communication.

  The home telephone 30 is connected to an external telephone 50 through a telephone line 40. The external telephone 50 here is a telephone for the IC card owner in STEP 1 in FIG. 1 to talk to the collector and to talk to the home telephone 30. Of course, the phone for the IC card owner to call the collector and the phone for calling the home phone 30 may be different.

  The intercom 10 includes an IC card 11 and an authentication information input unit 13. The authentication information input unit 13 includes various numeric keys for the collector to input authentication information such as a personal identification number and password, and a communication unit for exchanging authentication information with the R / W of the collector.

  The indoor module 20 includes a control unit 21, a call analysis unit 23, a charge setting unit 25, and an authentication unit 27. The control unit 21 receives and analyzes signals corresponding to notifications, instructions, and the like from the call analysis unit 23, the charge setting unit 25, and the authentication unit 27, and analyzes the lock release request, charge setting, settlement processing, and lock recovery request. 10 for issue.

  The call analysis unit 23 receives and analyzes the owner's instruction from the home telephone 30 via the communication line 60. That is, the call analysis unit 23 constitutes a settlement permission unit connected to the telephone 30 which is a predetermined communication device that issues settlement permission. The charge setting unit 25 calculates the total of the charge setting and charge amount, calculates the total amount, and instructs the control unit 21 to set the status of the IC card 11 so that the total amount can be settled. put out. The authentication unit 27 authenticates the collector as described above, and a predetermined password, a password, or a specific number of a specific R / W, and a password, password, or R presented by a person named the collector. It is determined whether the authentication information corresponding to the specific number of / W matches, and the collector is authenticated. Note that the control unit 21, the authentication unit 27, and the call analysis unit 23 exchange notifications and information with the telephone 30, and are all communicably connected to the telephone 30. Under this configuration, various predetermined commands such as setting of the amount of money to the control unit 21, authentication with the authentication unit 27, and permission of settlement with the call analysis unit (settlement permission unit) 23 are sent from the telephone 30 to the control unit 21, It can be considered that it is issued to each of the authentication unit 27 and the call analysis unit 23.

(Second Embodiment)
FIG. 4 is a diagram conceptually showing charge payment settlement using the second embodiment of the IC card settlement system according to the present invention. Under the circumstances where this embodiment is applied, unlike the first embodiment, when the collector visits the owner's house, the owner of the IC card is at home.

  However, the owner is in a situation where he / she cannot go out or wants to go out to face the collector. Such situations are, for example, 1) the owner is in a specific work with concentration, 2) the owner is sleeping ill, and 3) the owner is bathing. is there. By using the system of this embodiment, the owner can talk with the collector from the inside of the house through the interphone and can remotely operate the IC card installed in the interphone through the communication line. The collector can collect charges from the IC card. A procedure for paying a fee under such circumstances will be described.

  When the collector speaks to the IC card owner through the intercom, “The fee will be 2000 yen” (FIG. 4; STEP 1), the owner cannot currently go out, so he settles with the IC card. Tell the collector.

  Then, the IC card owner gives an instruction to input various settings (lock release, lock setting, fee setting, etc.) of the IC card installed in the interphone from a predetermined input device set in the house.

  Upon receiving an instruction from the owner, the IC card is unlocked, and the IC card status is ready for settlement (FIG. 4; STEP 2).

  In the above, the owner of the IC card can usually confirm whether or not the collector is a true collector by using a monitor screen or the like provided in the input device. However, if it is difficult to confirm whether or not the user is a true collector even through the monitor, the collector can be authenticated by the methods (A) and (B) in the first embodiment described above. Yes (password authentication, R / W authentication).

  When the IC card is unlocked, the amount can be settled (FIG. 4; STEP 3). Then, the collector inputs the fee “2000 yen” to be collected through an input key or the like provided on the intercom.

  By the input described above, information indicating that 2000 yen should be deducted from the account of the owner at a later date is written to the IC card. This completes the settlement. Thereafter, the owner inputs to restore the IC card lock, and the IC card lock is restored (FIG. 4; STEP 4).

  FIG. 5 shows a block diagram of an IC card payment system in the second embodiment. This IC card settlement system is not connected to the home phone 30 as in the first embodiment, and a setting input unit 29 is provided instead of the call analysis unit 23. The setting input unit 29 is a part where an IC card owner or the like in the house inputs lock release, charge setting, settlement processing, lock recovery, etc., and is composed of a numeric keypad and the like. It can also be used. Further, the owner can operate the control unit 21 and the authentication unit 27 via the setting input unit 29.

  The indoor module (building-inside terminal) 20 including the setting input unit 29 can be configured to be able to communicate with a communication device equipped with an IC chip, particularly a non-contact IC chip. Examples of such a communication device include a mobile phone equipped with an IC chip having a settlement function, an IC card of a bank, and the like. With such a configuration, settlement becomes simpler. For example, such a configuration can be realized by providing a reader / writer for a communication device in which an IC chip is mounted on the indoor module 20.

  According to the present invention, an IC card is installed in a building, and the IC card is connected to communication equipment of a settlement party that is not in the building. Therefore, the owner can control the IC card from the outside (destination), and can perform fee settlement even if the collector is absent at the time of the visit.

  Further, according to the present invention, even if the settlement party at home does not go outside, it is possible to directly control the IC card installed with the interphone from inside the building and pay the fee to the collector.

  In addition, the system of the present invention can also confirm that the collector is a true collector by using various collector authentication methods together, so that it is also effective in ensuring security.

  In the above-described embodiment, the indoor module 20 is installed inside the house. However, the installation of the module is not an essential requirement, and all the parts constituting the module of the embodiment need to be modularized. Absent.

  As a technique applied when a call is made from the external telephone 50 to the home telephone 30 and an instruction is issued, the push tone of the button telephone can be used as it is. That is, existing button telephones can be used by individually assigning functions such as unlocking, charge setting, and lock recovery to each button pressing pattern in the push tone. For example, allocation such as unlocking by pressing “* 1”, fee setting by pressing “* 2”, and lock restoration by pressing “* 3” can be performed in advance. Furthermore, it is possible to adopt a configuration in which the above-described operation can be performed only after a personal identification number possessed by the IC card owner is input by a button. Of course, other existing techniques and those applicable to other alternative techniques can also be used.

  In the above-described embodiment, the home telephone 30 is used as the communication device that issues the settlement permission. However, other communication devices may be used. For example, a home personal computer can be connected to the call analysis unit 23 to operate the system. Furthermore, instead of the external telephone 50, a personal computer can be used to operate the above-described home personal computer, and thus to operate the system. In any case, the aspect of controlling the system from the outside and the type of communication device are not limited to specific ones.

  In the above-described embodiment, the IC card is arranged on the intercom of the owner's house, but it can also be arranged directly on the intercom, door, gate, fence, etc. of a general building. The IC card is installed at a location accessible to a person in the building, but does not need to be directly attached to the outside of the building. For example, in the case of an apartment house, an IC card can be installed at the door of each door in the building or at a delivery locker. If the above-described settlement is possible, the arrangement position of the IC card is not particularly limited.

  In addition, when the IC card in the system of the present invention is installed in a delivery locker and a post with a lock function, it is possible to receive a delivery package for cash on delivery. That is, the delivery locker and the post can be unlocked with the IC card, and the cost of the cash on delivery can be settled using the IC card.

  Although various embodiments of the present invention have been described above, the present invention is not limited to the matters shown in the above-described embodiments, and those skilled in the art can make modifications and applications based on the description and well-known techniques. This is also the scope of the present invention, and is included in the scope of seeking protection.

  ADVANTAGE OF THE INVENTION According to this invention, even when it is absent or it is a case where it does not go out of a house, the system which enables a fee payment at the entrance of a house, etc. is provided.

The figure which shows the concept of the procedure of the payment under the IC card payment system of 1st Embodiment. The sequence diagram which shows the procedure of the payment under the IC card payment system of 1st Embodiment. 1 is a block diagram of an IC card payment system according to a first embodiment. The figure which shows the concept of the procedure of the payment under the IC card payment system of 2nd Embodiment. The block diagram of the IC card payment system of 2nd Embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Intercom 11 IC card 13 Authentication information input part 20 Indoor module 21 Control part 23 Call analysis part 25 Charge setting part 27 Authentication part 29 Setting input part 30 Home telephone 40 Telephone line 50 External telephone 60 Communication line 70 Communication line

Claims (10)

An IC card installed at a location accessible to people in the building;
A control unit for setting a status of the IC card so that a predetermined fee can be settled between the IC card and a person accessing the IC card;
An IC card settlement system comprising: a settlement permission unit that permits the control unit to perform settlement using the IC card. The IC card payment system according to claim 1,
A person who accesses the IC card, an authentication information input unit for inputting authentication information for indicating that access to the IC card is permitted;
The person is authenticated based on the authentication information input to the authentication information input unit, and the control unit can be settled with a predetermined fee between the IC card and a person accessing the IC card. An IC card settlement system, further comprising: an authentication unit that instructs to set the status of the IC card. An IC card payment system according to claim 2,
The IC card payment system, wherein the authentication information is at least one of a personal identification number, a password, and biometric authentication information of a person who accesses the IC card. An IC card payment system according to claim 2,
An IC card settlement system, wherein the authentication information is given by a reader / writer owned by a person who accesses the IC card. The IC card settlement system according to any one of claims 2 to 4,
An IC card settlement system in which the IC card and the authentication information input unit are arranged on an intercom or a door of the building. An IC card settlement system according to any one of claims 2 to 5,
An IC card payment system in which the control unit, the authentication unit, and the payment permission unit are connected to a predetermined communication device that issues a predetermined command. The IC card settlement system according to claim 6,
The predetermined communication device is a telephone that exists inside the building, and the payment permission unit is configured by a call analysis unit that analyzes the content of a call with the phone including the payment permission that is the predetermined command. IC card payment system. An IC card settlement system according to any one of claims 2 to 5,
The settlement permission unit is configured by a setting input unit capable of performing a predetermined input for settlement permission by a person inside the building,
The IC card payment system, wherein the control unit and the authentication unit are also configured to be operable from the setting input unit. The IC card settlement system according to claim 8,
The IC card is disposed on the intercom of the building,
An IC card settlement system, wherein the setting input unit is configured by a terminal inside the building of the intercom. The IC card payment system according to claim 9, wherein
An IC card settlement system in which the building inner terminal is configured to be able to communicate with a communication device equipped with an IC chip.

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