JP2006350450A - Settlement system, settlement terminal, user terminal and settlement method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an illegal use suppressing mechanism estimating user equipment equipped with a settlement function by a plurality of settlement systems. <P>SOLUTION: Settlement terminals 212, 222 and 232 are respectively provided with a spot information inquiry part for making an inquiry for spot information where settlement processing is executable corresponding to a portable telephone and a settlement system to a storage device(GPS server) 3. When receiving a settlement processing start request from a portable telephone 1, the spot information inquiry part makes an inquiry for the spot information where settlement processing is executable by a settlement system selected from the portable telephone 1 to the storage device(GPS server) 3, and when the spot information is matched with the position where settlement is executed, settlement processing with a settlement server 4 is started, and when they are not matched, the settlement processing is suspended. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a payment system, a payment terminal, a user terminal, and a payment method, and in particular, payment with a configuration for preventing unauthorized use of cards, devices, and the like having a payment function by a plurality of payment methods. The present invention relates to a system, a payment terminal, a user terminal, and a payment method using these.

  IC cards and mobile phones equipped with IC cards having a payment function are widespread, and because of their convenience and convenience, various technologies for preventing unauthorized use when lost or stolen have been proposed. . For example, in Japanese Patent Laid-Open No. 2002-55960, the location of a card reader is associated with a pre-registered card identification code in order to prevent it from being used at a remote location that is not known to the user. A card authentication system that performs an authentication process only when belonging to a certain region is disclosed.

  Also, for example, International Publication WO2002 / 084548 introduces an electronic payment system configured to verify the card reader ID in addition to the card ID. The publication discloses a configuration in which a card reader and a mobile phone are connected and each ID is transmitted to a settlement server.

  In recent years, it has been proposed that a mobile phone having a payment function using an IC card can support a plurality of payment methods of Edy (registered trademark) and Suica (registered trademark).

JP 2002-55960 A Re-specialized WO2002 / 084548

  By the way, as described above, when a plurality of payment methods can be used, it is considered that a specific payment method wants to remove the restriction based only on the area where the payment is performed and the ID of the card reader (payment terminal). For example, in the method disclosed in Patent Document 1, the location of the card reader and the registration cell of the mobile phone possessed by the user are restricted. However, even when applied to settlement by Edy (registered trademark), Suica (registered trademark) ) May not be applied to settlement.

  The same situation also applies to Patent Document 2, and even if a strong limitation by card reader ID should be applied in one payment method, other payment methods with a low maximum usage amount do not want to be restricted. Cases can arise.

  The present invention has been made in view of the above circumstances, and an object of the present invention is to provide an unauthorized use deterrent mechanism assuming a user device having a settlement function by a plurality of settlement methods.

  According to a first aspect of the present invention, the payment terminal includes a point information inquiry unit that inquires a predetermined storage device for possible payment information corresponding to the user terminal and the payment method. When receiving a payment processing start request, the point information inquiry unit inquires the storage device for point information capable of executing payment processing by the payment method selected from the user terminal, and the point information and A payment system is provided in which payment processing with a payment server is started when the positions where payment is made match, and the payment processing is interrupted when they do not match.

  Further, according to the second aspect of the present invention, a user terminal having a payment function by a plurality of payment methods, a storage device that holds point information at which payment processing can be executed for each of the user terminals and the payment methods, Provided is a settlement method capable of solving the above-described problems in a settlement system in which a settlement terminal including a communication unit that communicates with the user terminal and a settlement server that performs a settlement process with the user terminal via the settlement terminal are connected. Is done.

  When the payment method receives a payment processing start request from one user terminal, the payment terminal can make a payment corresponding to the user terminal and the payment method selected from the user terminal to the storage device The location information is inquired, and the settlement terminal determines whether or not the location information and the location where the settlement is performed match, and the location information and the location where the settlement is performed match. In this case, a payment process between the payment terminal and the payment server is started.

  Further, according to the third aspect of the present invention, a payment terminal included in the payment system described above, a user terminal that can be connected to the payment system described above and can freely change the limited range of the payment function, Is provided.

  Next, the best mode for carrying out the present invention will be described in detail with reference to the drawings. FIG. 1 is a block diagram showing the configuration of an electronic payment system according to the first embodiment of the present invention.

  Referring to FIG. 1, payment terminals 212, 222, and 232 installed in stores 21 to 23, a GPS server 3 used as a storage device, and a plurality of contactless IC card payment servers (payment servers) each having a different payment method. ) 4 is shown through an electronic payment system connected via a communication network.

  The mobile phone 1 includes a non-contact IC card processing unit 19, is used as a user terminal, and is used as a user terminal and connected to settlement terminals 212, 222, and 232 for contactless IC card R / W (reader / writer) 211, 221. 231 can be communicated.

  FIG. 2 is a block diagram showing the configuration of the mobile phone 1 that can be connected to the electronic payment system and execute the payment process. Referring to FIG. 2, this cellular phone 1 generally includes a radio unit 11, a control unit 12, an audio signal processing unit 13, an LCD unit 14, a key input unit 15, and a receiver / microphone unit 16. The ROM unit 17, the RAM unit 18, and the non-contact IC card processing unit 19 are configured.

  The wireless unit 11 is for performing calls and data transmission / reception via a wireless line, and the control unit 12 is for controlling the entire apparatus. The audio signal processing unit 13 converts the audio signal into a digital signal, or converts the received digital signal into an audio signal. The LCD unit 14 is used not only to display various messages to the user, but also to display digital terrestrial broadcast programs.

  The key input unit 15 includes a transmission number button and various function assignment buttons. The receiver / microphone unit 16 includes a speaker and a microphone, and is a means for outputting the audio signal converted from the digital signal by the audio signal processing unit 13 or inputting the audio signal. The ROM unit 17 holds various programs to be executed by the control unit 12, and the RAM unit 18 is used as a temporary storage destination of work data and setting information from the user when the control unit 12 performs various operations.

  The non-contact IC card processing unit 19 has a receiving antenna compatible with the non-contact IC card system, communicates with an external non-contact IC card R / W, and provides a settlement function using a non-contact IC card. More specifically, by operating the non-contact IC card processing unit 19 with a program described in JAVA (registered trademark) or the like, non-contact IC card R / Ws 211, 221, 231 and settlement terminals 212, 222, The payment process via H.232 can be executed.

  In terms of functions, the mobile phone 1 has a voice call function via a wireless communication line, a WEB access function that provides a WEB access environment via a wireless line interconnected with the Internet, and a wireless connection that is interconnected with the Internet. An electronic mail function for sending and receiving electronic mail via a line and an application execution function for providing an environment for downloading and executing a program described in JAVA (registered trademark) are assumed. If the non-contact IC card processing unit 19 is provided and the operation described in detail later can be performed, it is not necessary to have the above-described configuration / function.

  Referring to FIG. 1 again, each of the payment terminals 212, 222, 232 includes at least one non-contact IC card R / W (reader / writer) 211, 221, 231 via a wireless network or a wired network. Connected. Further, the settlement terminals 212, 222, and 232 are information processing apparatuses such as personal computers provided with a GPS receiving unit configured by a GPS receiver or the like. Each of the GPS receivers specifies the position where the settlement is performed by specifying the positions of the non-contact IC card R / W (reader / writer) 211, 221, 231.

  The contactless IC card settlement server (settlement server) 4 exchanges information managed by the contactless IC card function of the mobile phone 1 via the settlement terminals 212, 222, and 232 installed in the stores 21 to 23. To perform settlement processing using a non-contact IC card such as goods purchase settlement.

  In addition, the GPS server 3 is a server device for managing the stores 21 to 23 that can perform settlement using the mobile phone 1, and for example, as shown in FIG. Point information (payment confirmation point information; contactless IC card R / W solid number) for each payment method (example of telephone production number) and payment method (X method and Y method) And GPS position information). These pieces of information can be freely updated after accessing the GPS server 3 from the mobile phone 1 and undergoing predetermined user authentication.

  For example, in the example of FIG. 3, the mobile phone with the manufacturing number A of the mobile phone has a contactless IC card R / W (reader / writer) 211, latitude aa, longitude bb, height in the payment method X system. A limit of cc is set, and no limit is set in the settlement method Y method. In this case, the mobile phone with the manufacturing number A of the mobile phone is restricted that payment by the payment method X method can be performed only at the store 21, but payment by the payment method Y method can be used at any of the stores 21 to 23. . Similarly, the mobile phone with the manufacturing number B of the mobile phone is limited in that payment using the payment method X method can be performed only at the store 22 and payment using the payment method Y method can be performed only at the store 23.

  Next, the operation of the present embodiment will be described in detail with reference to the drawings with reference to the sequence diagram of FIG. 4 showing the operation of the present embodiment. Hereinafter, an example will be described in which a user who has the mobile phone having the production number A in FIG.

  First, a case where the user desires a payment process for purchasing an article at the store 21 will be described. When the user of the mobile phone 1 operates the mobile phone 1 in front of the non-contact IC card R / W 211 to start the JAVA (registered trademark) program stored in the ROM unit 17 in advance, The contact IC card processing unit 19 and the non-contact IC card R / W 211 start communication, and communication processing negotiation starts. (Step S1).

  After step S1 is completed, the mobile phone 1 sends the manufacturing number information of the mobile phone 1 and payment method information for payment to the payment terminal 212 (step S2). In the present embodiment, the manufacturing number information of the mobile phone 1 is used. However, it is only necessary to be able to specify the target for making an inquiry to the storage device, such as the calling number and the user ID issued to each user. May be transmitted.

  On the other hand, in the non-contact IC card R / W 211, the solid number information of the non-contact IC card R / W 211 is sent to the settlement terminal 212 after step S1 is completed (step S3). Here, the solid number information of the R / W 211 for the non-contact IC card is used. However, it is only necessary to correspond to the point information stored in the storage device, and a store code, a region code, or the like may be transmitted.

  Subsequently, the payment terminal 212 receives the payment confirmation point information corresponding to the manufacturing number information and the payment method information of the mobile phone 1 acquired in step S2, and the contactless IC card R / W 211 acquired in step S3. The number information and the position information acquired by the GPS receiving unit are transmitted to the GPS server 3, and the contactless IC card R / W 211 can be used in the payment method selected from the mobile phone 1. An inquiry is made as to whether or not W is set, and the determination result is received (step S4).

  Subsequently, the settlement terminal 212 sends the determination result of step S4 to the mobile phone 1 (step S5). The mobile phone 1 that has received the determination result determines whether the settlement via the non-contact IC card R / W 211 can be continued or not. If it can be continued, the process proceeds to step S9 as it is. On the other hand, if it is impossible to continue, an error message is displayed to the user and the process ends (step S7).

  If it is determined in step S4 that the mobile phone 1 and the selected payment method can be processed through the contactless IC card R / W 211, the payment terminal 212 In order to proceed with the settlement processing by the contact IC card function, the non-contact IC card settlement server 4 corresponding to the settlement method selected by the user is selected, and the R / W information for the non-contact IC card is transmitted (step S6). In the present embodiment, the non-contact IC card R / W information actually accessed by the mobile phone 1 is used as the non-contact IC card R / W information.

  The non-contact IC card settlement server 4 refers to the non-contact IC card R / W information sent in step S6, and identifies the other party who proceeds with the settlement process as the non-contact IC card R / W 211 (step S8). .

  Through the above steps, settlement processing can be performed among the mobile phone 1, the contactless IC card R / W 211 (settlement terminal 212), and the contactless IC card settlement server 4.

  In the following, the flow of subsequent processing will be outlined, but the processing in the following steps S9 to S16 is replaced with a general non-contact IC card R / W and non-contact IC card settlement processing sequence (and specifications). Can and should not be construed as limiting.

  Thereafter, the mobile phone 1 generates “authentication random number”, which is key information for authentication in the contactless IC card settlement (step S9), and passes through the packet communication network of the mobile phone (corresponding to the communication network of FIG. 1). Is transmitted to the non-contact IC card settlement server 4 (step S10). Incidentally, this authentication random number is generated by reading service key information and the like from the contactless IC card processing unit 19 of the mobile phone 1 and processing the random number including the key information.

  Subsequently, an “authentication random number” corresponding to the “authentication random number” received in step S 10 is also generated and transmitted from the non-contact IC card settlement server 4 via the non-contact IC card R / W 211 ( Steps S11 to S12).

  If the mobile phone 1 compares the “random number for authentication” sent in step S10 with the “random number for authentication” received from the non-contact IC card settlement server 4 in steps S11 to S12, the mobile phone 1 can check the validity. The key of the payment target service (R / W) is unlocked for the IC card processing unit 19 (step S13).

  After the payment target service (R / W) is unlocked as described above, the mobile phone 1 communicates with the contactless IC card settlement server 4 via the contactless IC card R / W211. Service settlement processing is performed (step S14).

  After the settlement processing is completed, the mobile phone 1 performs termination processing with the non-contact IC card R / W 211 and the non-contact IC card settlement server 4 (step S15). The “authentication random number” held in the above is discarded and completed (step S16).

  Next, with reference to FIG. 4 again, a case will be described in which a user desires a payment process for purchasing an article at a store 22 (or 23) set to be unusable in the payment method X method. Hereinafter, the payment terminal 212 of FIG. 4 shall be read as the payment terminal 222 (232).

  First, as in the store 21 described above, the user of the mobile phone 1 operates the mobile phone 1 in front of the non-contact IC card R / W 221 (231) to store the JAVA stored in the ROM unit 17 in advance. When the (registered trademark) program is activated, the non-contact IC card processing unit 19 of the mobile phone 1 and the non-contact IC card R / W 221 (231) start communication, and communication processing negotiation starts. (Step S1).

  After step S1 is completed, the mobile phone 1 sends the manufacturing number information of the mobile phone 1 and payment method information for payment to the payment terminal 222 (232) (step S2). Similarly, in the non-contact IC card R / W 221 (231), after step S1 is completed, the individual number information of the non-contact IC card R / W 221 (231) is sent to the settlement terminal 222 (232). (Step S3).

  Subsequently, the payment terminal 222 (232) receives the payment confirmation point information corresponding to the manufacturing number information and payment method information of the mobile phone 1 acquired in step S2, and the contactless IC card R / C acquired in step S3. The individual number information of W221 (231) and the position information acquired by the GPS receiver are transmitted to the GPS server 3, and the non-contact IC card R / W221 (231) is used in the settlement method selected from the mobile phone 1. An inquiry is made as to whether or not it is set as a possible non-contact IC card R / W, and a determination result is received (step S4). Here, as shown in FIG. 3, since the mobile phone with the manufacturing number A is prohibited in the payment method X other than the store 21, a negative determination (NG) is made.

  Subsequently, the settlement terminal 222 (232) sends the determination result of step S4 to the mobile phone 1 (step S5). Since it is impossible to continue here, the mobile phone 1 displays an error message to the user and ends the process (step S7).

  Thus, in the store 22 or 23, the payment process using the mobile phone 1 having the production number A is prohibited.

  As described above, for each payment method that the mobile phone 1 can make a payment in advance, the point information for payment confirmation (specific information and position information of the R / W for contactless IC card) is registered, and the information is processed for payment. By referencing before, it is possible to set fine usage restrictions according to the characteristics of the payment method. For example, a payment method with a large usage limit is set so that payment processing can be performed only in a predetermined narrow area, and a payment method with a small usage limit is not restricted. The need to soften security by considering only sex is diminished.

  In the above-described embodiment, it has been described that the detailed setting is performed by combining the unique information of the R / W for the non-contact IC card and the GPS information (latitude, longitude, height), but all these pieces of information are necessarily used. There is no need, and depending on the features of the payment method and the required security level, some of these may be omitted, or other location identification information may be used in combination with the request of the user. Of course, it is possible to give an appropriate width to the place where the mark is added.

  In the above-described embodiment, an example using a mobile phone as a user terminal has been described. However, a non-contact IC card capable of executing a payment process, a PDA (Personal Digital Assistant), a wireless electronic mail terminal, or the like can be used. The present invention can also be applied to general portable information terminals that can perform payment processing using a contact IC card.

  In the above-described embodiment, the payment terminal transmits the point information for payment confirmation to the GPS server and obtains the determination result. However, each user terminal (mobile phone) and R for contactless IC card are described. / W directly transmits the information on the mobile phone side and the information on the R / W side for the non-contact IC card to the GPS server 3 via the packet communication network, the general public line network, and the dedicated network, respectively. 3 may be configured to transmit the determination result.

  In the above-described embodiment, an example in which a GPS server is used as the storage device that stores the point information for confirming payment has been described. However, the payment of each mobile phone is stored in the memory of each user terminal (mobile phone). A configuration for registering and managing point information for confirmation can also be adopted. In this case, the reference destination of the payment confirmation point information in step S4 in FIG. 4 is the memory of each user terminal (mobile phone), and the payment terminal determines the result.

  In addition, even when the memory of each user terminal (mobile phone) is used as a storage location for payment confirmation point information as described above, the mobile phone 1 is operated to perform payment confirmation after performing predetermined user authentication. Needless to say, the point information can be freely updated.

It is a block diagram showing the structure of the electronic payment system which concerns on the 1st Embodiment of this invention. It is a block diagram showing the typical structure of the mobile telephone which can be connected to this electronic payment system and can perform a payment process. It is a figure for demonstrating the information stored in the memory | storage device of the electronic payment system which concerns on the 1st Embodiment of this invention. It is a sequence diagram showing operation | movement of the electronic payment system which concerns on the 1st Embodiment of this invention.

Explanation of symbols

1 Mobile phone 3 GPS server 4 Contactless IC card payment server (settlement server)
DESCRIPTION OF SYMBOLS 11 Radio | wireless part 12 Control part 13 Audio | voice signal processing part 14 LCD part 15 Key input part 16 Receiver / microphone part 17 ROM part 18 RAM part 19 Non-contact IC card processing part
21-23 stores 211, 221, 231 Non-contact IC card R / W (reader / writer)
212, 222, 232 Payment terminal

Claims (17)

A user terminal having a payment function by a plurality of payment methods;
For each of the user terminal and the payment method, a storage device that holds point information at which the payment processing can be executed;
A payment terminal comprising a communication unit communicating with the user terminal;
A payment system that connects a payment server that performs payment processing with the user terminal via the payment terminal;
The payment terminal includes a point information inquiry unit that inquires the storage device for point information that can be settled corresponding to a user terminal and a payment method.
When receiving a payment processing start request from one user terminal, the point information inquiry unit inquires of the storage device for point information at which payment processing by the payment method selected from the user terminal can be executed. And, when the location information and the position where the payment is made match, starting a payment process with the payment server,
A payment system characterized by The point information includes position information by GPS,
The point information inquiry unit starts a payment process with the payment server when at least the position information held in the storage device matches the position information by GPS;
The payment system according to claim 1. The payment terminal includes a GPS receiver that receives position information by GPS,
The point information inquiry unit starts a payment process with the payment server when at least the position information held in the storage device matches the position information measured by the GPS reception unit;
The settlement system according to claim 2. The point information includes identification information of a payment terminal,
The point information inquiry unit starts a payment process with the payment server when at least the identification information of the payment terminal held in the storage device matches the identification information of the own device;
The payment system according to any one of claims 1 to 3. Configuring the storage device in a built-in memory of each user terminal;
The settlement system according to any one of claims 1 to 4. A user terminal having a payment function by a plurality of payment methods;
For each of the user terminal and the payment method, a storage device that holds point information capable of executing payment processing;
A payment terminal configured to be connected to a payment system that connects a payment server that performs a payment process with the user terminal via the payment terminal, and relays a payment procedure between the payment server and the user terminal. There,
A communication unit communicating with the user terminal;
A point information inquiry unit that inquires the storage device for point information that can be settled corresponding to a user terminal and a payment method,
When receiving a payment processing start request from one user terminal, the point information inquiry unit inquires of the storage device for point information at which payment processing by the payment method selected from the user terminal can be executed. And starting the payment process with the payment server when the location information and the position where the payment is made match,
A payment terminal. The point information includes position information by GPS,
The point information inquiry unit starts a payment process with the payment server when at least the position information held in the storage device matches the position information by GPS;
The settlement terminal according to claim 6. Furthermore, a GPS receiving unit that receives position information by GPS is provided,
The point information inquiry unit starts a payment process with the payment server when at least the position information held in the storage device matches the position information measured by the GPS reception unit;
The settlement terminal according to claim 7. The point information includes identification information of a payment terminal,
The point information inquiry unit starts a payment process with the payment server when at least the identification information of the payment terminal held in the storage device matches the identification information of the own device;
The payment terminal according to any one of claims 6 to 8. The storage device is configured in a built-in memory of each user terminal,
The point information inquiry unit inquires the point information with respect to each user terminal;
The payment terminal according to any one of claims 6 to 9. A payment terminal including a user terminal having a payment function by a plurality of payment methods, a storage device that holds point information capable of executing payment processing for each of the user terminal and the payment method, and a communication unit that communicates with the user terminal And a payment method in a payment system that connects a payment server that performs payment processing with the user terminal via the payment terminal,
When the payment terminal receives a payment process start request from one user terminal, the payment terminal can execute the payment process corresponding to the payment method selected from the user terminal and the user terminal with respect to the storage device Querying information; and
The payment terminal determines whether or not the location information and the position where payment is made match,
A payment process between the payment terminal and the payment server is started when the location information and the position where the payment is made match,
A payment method characterized by The point information includes position information by GPS,
The payment terminal starts a payment process with the payment server when at least the position information held in the storage device matches the position information by GPS;
The settlement method according to claim 11. The payment terminal starts a payment process with the payment server when at least the position information held in the storage device matches the position information measured by the GPS receiver that receives the position information by GPS. ,
The settlement method according to claim 12. The point information includes identification information of a payment terminal,
The payment terminal starts a payment process with the payment server when at least the identification information of the payment terminal held in the storage device matches the identification information of the own device;
The settlement method according to any one of claims 11 to 13. The storage device is configured in a built-in memory of each user terminal,
The payment terminal refers to the user terminal for the point information;
The settlement method according to any one of claims 11 to 14. A user terminal connectable to the payment system according to any one of claims 1 to 5,
Accessing the storage device and making the point information rewritable;
A user terminal characterized by. A user terminal connectable to the payment system according to any one of claims 1 to 5,
Configuring the storage device in a built-in memory;
The user can arbitrarily rewrite the location information via the input / output means,
A user terminal characterized by.

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