JP2007034980A - Communication terminal, settlement server, settlement system and information processor - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a cellphone capable of effectively reducing possibility that information specifying a user such as a credit card number is read by a malicious third party. <P>SOLUTION: This cellphone 10 used by the user when purchasing economic goods in a store has: an information reception part 101 receiving store specification information specifying the store; and an information transmission part 102 associating the received store specification information and the user specification information specifying the user using the cellphone 10, and transmitting them to a settlement server 30. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a communication terminal used when purchasing economic goods in a store, a payment server that performs payment when a user purchases economic goods in a store, a payment system that uses them, and an information processing apparatus.

  When purchasing economic goods (products, services, etc.) using a conventional credit card, the user passes information identifying himself / herself such as his / her credit card number to the store, and the store identifies information such as the credit card number and the store. At the same time, information such as consideration for economic goods is transmitted to the payment server of the credit card company. Then, the settlement server performs a settlement process based on the received information, and returns the result to the transmission source store terminal.

  More specifically, a user who purchases a product notifies a store selling the product or an Internet site of user information such as a credit card number, an expiration date, and a name. This notification is made by passing a credit card through a card reader or transmitting a credit card number or the like to a website. The store or the website transmits the obtained user information to the credit card company and receives the result of credit (settlement) at the credit card company. If the credit (settlement) result is that it can be sold, the store or website gives the product to the user, and the store or website receives the product price from the credit card company. Further, the user later paid the product price to the credit card company. In addition, since such a payment scheme does not relate to a known document invention, there is no prior art document information to be described.

  In a conventional credit card settlement scheme, information specifying a user such as a credit card number is delivered to a store. Therefore, the credit card number may be read by a malicious third party.

  Specifically, when a user uses a credit card in a store, the credit card information is swiped to the store's card reader and the credit card information is transferred to the store. Thereafter, the information read by the card reader is transmitted to the credit card company. Therefore, there is a case where a device for stealing the information is installed between the credit card reader and the credit card company, or the information is stolen by a person concerned in the store.

  Therefore, in the present invention, a communication terminal, a settlement server, a settlement system using them, and information that can effectively reduce the possibility of a malicious third party reading information that identifies a user such as a credit card number An object is to provide a processing apparatus.

  The communication terminal according to the present invention is a communication terminal used by a user when purchasing economic goods at a store, and includes information receiving means for receiving store specifying information for specifying a store, the received store specifying information, And an information transmission means for associating with user specifying information for specifying a user who uses the communication terminal and transmitting the information to a settlement server.

  According to the communication terminal according to the present invention, the store identification information is received and transmitted to the settlement server together with the user identification information (credit card number or the like), so that the payment for purchasing the economic goods without passing the user identification information to the store side. It can be performed.

  In the present invention, the communication terminal is preferably a mobile station. If this communication terminal is a mobile station, the store specifying information and the user specifying information are transmitted to the settlement server via the mobile communication network, so that the store specifying information and the user specifying information can be stolen during the transmission. Can be effectively reduced.

  In the present invention, the information receiving means receives the goods specifying information for specifying the economic goods together with the shop specifying information and the price information indicating the price of the economic goods, and the information transmitting means sends the shop specifying information and the user specifying information to the settlement server. It is also preferable to transmit the goods specifying information and the consideration information in association with each other. Since the goods identification information and the consideration information are transmitted to the settlement server together with the store identification information and the user identification information, the settlement by the settlement server is performed more smoothly.

  In the present invention, the information receiving means receives the access information corresponding to the time when the store specifying information is issued together with the store specifying information, and the information transmitting means transmits the access information in association with the store specifying information and the user specifying information. It is also preferable to do. Since the access information corresponding to the time at which the store identification information is issued is also transmitted to the settlement server, the settlement server, for example, performs a process of seeing off the settlement for a predetermined time after the store identification information is issued. It is possible to increase the reliability of settlement.

  The payment server according to the present invention is a payment server that performs payment when a user purchases economic goods at a store, and receives store specifying information for specifying a store and user specifying information for specifying a user from a transmission source terminal. Receiving means, judging means for judging whether or not the user can purchase economic goods based on the received store specifying information and user specifying information, and transmitting means for sending the result of the judgment to the transmission source terminal. When the transmission source terminal is a communication terminal used by the user, transmission destination switching is performed to switch the transmission destination of the transmission unit so that the determination result of the determination unit is transmitted to the store terminal substantially installed in the store. Means are provided.

  According to the settlement server of the present invention, when the transmission source terminal is a communication terminal used by the user, the determination result of the determination unit is transmitted to the store terminal instead of the communication terminal that is the transmission source device. The judgment result can be accurately transmitted to the store. Therefore, in parallel with the process according to the conventional payment scheme, it is possible to deal with the process using the communication terminal used by the user.

  In the present invention, the receiving means receives the goods specifying information for specifying the economic goods and the consideration information indicating the price of the economic goods in association with the shop specifying information and the user specifying information, and the judging means is the shop specifying information, the user It is also preferable to determine whether or not the user can purchase the economic goods based on the specific information, the goods specifying information, and the consideration information. Since settlement is performed based on store identification information, user identification information, goods identification information, and consideration information transmitted from a communication terminal used by a user, settlement processing can be performed more smoothly and safely.

  In the present invention, the receiving means receives the access information corresponding to the time when the shop specifying information is issued in association with the shop specifying information and the user specifying information, and the judging means is the time indicated by the received access information. It is also preferable to determine whether or not the user can purchase economic goods only within a predetermined time. If payment is made only within a predetermined time from the time indicated by the access information, for example, payment processing is performed based on information that is likely to be misused after a considerable amount of time has elapsed since the issue of the store identification information. Can be suppressed.

  The payment system according to the present invention includes the communication terminal described above and the payment server described above.

  According to the payment system according to the present invention, store specific information is received and transmitted to a payment server together with user specific information (such as a credit card number), so payment for purchasing economic goods without passing the user specific information to the store side. It can be performed. If the transmission source terminal is a communication terminal used by the user, the determination result of the determination means is transmitted to the store terminal instead of the communication terminal that is the transmission source device. Can be communicated to. Therefore, in parallel with the process according to the conventional payment scheme, it is possible to deal with the process using the communication terminal used by the user.

  Moreover, in this invention, it is preferable to include a shop terminal provided with the shop information transmission means which transmits shop specific information to the communication terminal which a user uses, and the payment receiving means which receives the result of the determination which a transmission means transmits.

  Further, in the present invention, the store information transmitting means has access information corresponding to the time when the goods specifying information for specifying the economic goods, the consideration information indicating the price of the economic goods, and the shop specifying information are issued to the communication terminal used by the user. It is also preferable to transmit at least one of the following.

  An information processing apparatus according to the present invention is an information processing apparatus installed in a mobile communication network, and stores specifying information for specifying a store from which a user using the mobile station purchases economic goods from a mobile station, and A receiving means for receiving terminal specifying information for specifying a mobile station, an information selecting means for selecting user specifying information for specifying a user based on the received terminal specifying information, and the selected user specifying information And a transmission means for transmitting to a settlement server for performing settlement relating to economic goods purchase.

  According to the present invention, user-specific information can be selected and transmitted to the payment server in the mobile communication network, so that the risk of user-specific information leaking can be more effectively reduced.

  ADVANTAGE OF THE INVENTION According to this invention, the payment which purchases economic goods can be performed, without passing user specific information to the shop side. Therefore, it is possible to effectively reduce the possibility that the user specific information such as the credit card number can be read by a malicious third party.

  The knowledge of the present invention can be easily understood by considering the following detailed description with reference to the accompanying drawings shown for illustration only. Subsequently, embodiments of the present invention will be described with reference to the accompanying drawings. Where possible, the same parts are denoted by the same reference numerals, and redundant description is omitted.

  A settlement system according to an embodiment of the present invention will be described with reference to FIG. FIG. 1 is a diagram showing the configuration of the payment system 1. The payment system 1 includes a mobile phone 10 (communication terminal, mobile station), a store terminal 20, and a payment server 30. Subsequently, each component of the payment system 1 will be described.

  First, the mobile phone 10 will be described. The mobile phone 10 is used by the user when purchasing economic goods (products, services, etc.) using the payment system 1. The mobile phone 10 is a short-range communication such as a non-contact IC reader as an infrared communication means or a near-field communication means in addition to physical components for performing functions as a normal mobile phone such as a call function and a data communication function. Means are also provided. The cellular phone 10 includes an information receiving unit 101 (information receiving unit), an information transmitting unit 102 (information transmitting unit), and a user information storage unit 150 as functional components. Subsequently, each component of the mobile phone 10 will be described.

  The information receiving unit 101 is a part that receives store specifying information for specifying a store that handles the economic goods to be purchased. More specifically, this is a part that receives store specifying information transmitted from the store terminal 20 described later, and outputs the received store specifying information to the information transmitting unit 102. In addition to the store specifying information, the information transmitted from the store terminal 20 includes goods specifying information (for example, product JAN code information, product ID, etc.) specifying the economic goods to be purchased, and the economy to be purchased. It includes price information indicating the price of goods, and access information corresponding to the time when the store specifying information is issued (for example, the time when the goods are issued and the time after a predetermined time has passed since the time when the goods are issued). These goods specifying information, consideration information, and access information are also received by the information receiving unit 101 and output to the information transmitting unit 102.

  The information transmitting unit 102 is a part that associates the store specifying information received by the information receiving unit 101 with the user specifying information that specifies the user of the mobile phone 10 and transmits it to the settlement server 30. More specifically, when store specifying information or the like is output from the information receiving unit 101, the user specifying information stored in the user information storage unit 150 is extracted and transmitted to the settlement server 30 in association with the store specifying information. . This user specific information is information uniquely assigned to each user such as a credit card number. Further, the user specifying information may include information such as the user's name and the credit card expiration date. Moreover, when transmitting user specific information and store specific information to the payment server 30, the user may set a transmission destination every time, and the mobile phone 10 and the payment server 30 are associated with each other in the mobile communication network N. Then, it may be automatically transmitted to the settlement server 30 by selecting a menu on the mobile phone 10.

  When the information specifying unit, the consideration information, and the access information are output from the information receiving unit 101, the information transmitting unit 102 also transmits these pieces of information to the settlement server. Store identification information, user identification information, goods identification information, consideration information, and access information transmitted by the information transmission unit 102 are transmitted to the settlement server 30 via the mobile communication network N.

  Next, the store terminal 20 will be described. The store terminal 20 is physically a computer including a CPU, a memory, a communication interface, short-range communication means (near field communication means such as infrared communication means and non-contact IC), a display, a keypad, and a keyboard. The store terminal 20 includes, as functional components, a store information transmission unit 201 (store information transmission unit), a payment reception unit 202 (payment reception unit), a result display unit 203, and a store information storage unit 250. ing. Subsequently, each component of the store terminal 20 will be described.

  The store information transmitting unit 201 is a part that extracts store specifying information for specifying a store in which the store terminal 20 is installed from the store information storage unit 250 and transmits it to the mobile phone 10. When the store information transmitting unit 201 transmits the store specifying information, the item specifying information for specifying the economic item that the user of the mobile phone 10 intends to purchase, the consideration information indicating the consideration of the economic item, and the access information Associate and send.

  The payment receiving unit 202 is a part that receives a payment result transmitted from the payment server 30 described later. Information transmission / reception with the settlement server 30 may be performed via a dedicated line, or may be performed via a public line in which equivalent security is maintained. The settlement receiving unit 202 outputs the received settlement result to the result display unit 203.

  The result display unit 203 is a part for displaying the settlement result received by the settlement receiving unit 202.

  Next, the settlement server 30 will be described. The payment server 30 is physically a computer or computer system including a CPU, a memory, a communication interface, an input / output device, and the like. The settlement server 30 includes, as functional components, a reception unit 301 (reception unit), a determination unit 302 (determination unit), a transmission unit 303 (transmission unit), and a transmission destination switching unit 304 (transmission destination switching unit). It has. Subsequently, each component of the settlement server 30 will be described.

  The receiving unit 301 is a part that receives store specifying information and user specifying information from the transmission source terminal. More specifically, the transmission source terminal may be a terminal installed in a store (store terminal 20 in the present embodiment) or a terminal used by a user (cellular phone 10 in the present embodiment). In the present embodiment, store specifying information and user specifying information are received from the mobile phone 10. In addition, when goods specifying information, consideration information, and access information are transmitted from the mobile phone 10, the receiving unit 301 also receives those information. Furthermore, the receiving unit 301 also receives machine identification information (for example, a telephone number or a machine number) for identifying the mobile phone 10. The reception unit 301 outputs the received store identification information, user identification information, goods identification information, consideration information, access information, and machine identification information to the determination unit 302 and the transmission destination switching unit 304.

  The determination unit 302 is a part that determines whether or not the user can purchase economic goods based on the store specifying information and the user specifying information received by the receiving unit 301. More specifically, the user is specified based on the user specifying information, and it is determined whether or not there is a creditworthiness that allows the purchase of economic goods. In addition, when the receiving unit 301 receives the goods specifying information and the consideration information together, it determines whether or not the purchase is possible based on the information. Further, when the receiving unit 301 receives the access information, it is determined whether or not the purchase can be made only within a predetermined time from the time indicated by the access information. The determination unit 302 outputs the determination result to the transmission unit 303.

  The transmission part 303 is a part which transmits the determination result of the determination part 302 with respect to the transmission origin terminal which has transmitted shop specific information and user specific information with respect to the receiving part 301 in principle. In addition, when an instruction to switch the transmission destination of the determination result is output from the transmission destination switching unit 304, the transmission unit 303 switches the transmission destination according to the instruction and transmits the determination result.

  The transmission destination switching unit 304 determines the determination result of the determination unit 302 when the transmission source terminal that has transmitted the store identification information and the user identification information to the reception unit 301 is a communication terminal such as a mobile phone used by the user. Is a part that outputs an instruction to the transmission unit 303 so as to transmit to the store terminal installed in the store. In the present embodiment, since it is the mobile phone 10 used by the user that transmits the store specifying information and the user specifying information to the receiving unit 301, the transmission destination switching unit 304 determines the transmission destination of the determination result as the store terminal 20. The instruction is output to the transmission unit 303. Accordingly, the transmission unit 303 transmits the determination result to the store terminal 20.

  Subsequently, a payment method using the payment system 1 of the present embodiment will be described with reference to FIG. FIG. 2 is a sequence diagram for explaining a payment method using the payment system 1. In the following description, FIG. 1 is referred to as appropriate.

  A user who wants to purchase economic goods visits a store with the mobile phone 10. The user selects economic goods such as products and services purchased at the store, and heads to the store cash register. A store terminal 20 is installed at the cash register of the store. Here, goods specifying information for specifying the economic goods that the user intends to purchase and price information indicating the price of the economic goods are input to the store terminal 20. Then, together with the store specifying information for specifying the store where the store terminal 20 is installed, the input goods specifying information and consideration information are transmitted from the store information transmitting unit 201 of the store terminal 20 to the mobile phone 10 (step) S01). At the time of this transmission, access information corresponding to the time when the store specifying information is issued is also transmitted.

  The store specifying information, the goods specifying information, the consideration information, and the access information transmitted from the store terminal 20 are received by the information receiving unit 101 of the mobile phone 10 and output to the information transmitting unit 102. The information transmission unit 102 adds user identification information (such as a credit card number) and machine identification information stored in the user information storage unit 150 to the received information (step S02). The information transmitting unit 102 associates the store specifying information, the user specifying information, the goods specifying information, the consideration information, the access information, and the machine identification information, and transmits them to the settlement server 30 (step S03).

  The receiving unit 301 of the settlement server 30 receives the store specifying information, the user specifying information, the goods specifying information, the consideration information, the access information, and the machine identification information transmitted from the mobile phone 10. The receiving unit 301 outputs the received store specifying information, user specifying information, goods specifying information, consideration information, access information, and machine identification information to each of the determining unit 302 and the transmission destination switching unit 304.

  Based on the access information, the determination unit 302 checks whether or not a predetermined time has elapsed since the store specifying information was issued at the store terminal 20 (step S04). If the predetermined time has passed as a result of the confirmation, the process is terminated. If the predetermined time has not elapsed, the determination unit 302 performs a settlement process based on the store specifying information, the user specifying information, the goods specifying information, and the consideration information to determine whether the user can purchase the economic goods ( Step S05). The determination unit 302 outputs the result of this processing to the transmission unit 303 as a determination result.

  The transmission destination switching unit 304 determines whether it is necessary to switch transmission destinations based on the machine body identification information (step S06). In the case of this embodiment, since the machine body identification information indicates the communication terminal used by the user of the mobile phone 10, the transmission destination switching unit 304 determines that it is necessary to switch the transmission destination of the determination result to the store terminal 20. The instruction is output to the transmission unit 303.

  The transmission unit 303 transmits the determination result of the determination unit 302 to the store terminal 20 in accordance with an instruction from the transmission destination switching unit 304 (step S07).

  The determination result transmitted to the store terminal 20 is received by the settlement receiving unit 202 and displayed on the result display unit 203 (step S08). Therefore, it is possible to confirm whether or not the user using the mobile phone 10 can purchase economic goods by using the store terminal 20.

  Although not described in detail in the present embodiment, the determination result and the consideration information in the settlement server 30 are separately held, and the user is charged based on the card usage fee bill.

  In this embodiment, although the case where the store terminal 20 was installed in the real store was assumed, it is not restricted to this, The store may be installed in the website of the internet. In this case, the store terminal 20 is substantially in the same state as if it was installed in the store, and transmission / reception of information with the mobile phone 10 is performed via the Internet or the like.

  In the present embodiment, a mobile phone is exemplified as a communication terminal used by a user. However, the communication terminal is not limited to a mobile phone, and other communication terminals are also applicable.

  In the present embodiment, the store specifying information is transmitted from the store terminal 20, but the mobile phone 10 may be notified using a QR code or the like.

  In the present embodiment, the user specifying information is stored in the user information storage unit 150 of the mobile phone 10, but the user may manually input the information each time. An information processing apparatus for adding user specific information may be installed in the mobile communication network N. This information processing apparatus is physically a computer or a computer system, and functionally has components as exemplified in FIG. As shown in FIG. 3, the information processing apparatus 40 selects user specifying information based on information transmitted from the mobile phone 10 and transmits the user specifying information to the settlement server 30. More specifically, the information processing apparatus 40 includes a reception unit 401 (reception unit), an information selection unit 402 (information selection unit), and a transmission unit 403 (transmission unit).

  The receiving unit 401 is a part that receives from the mobile phone 10 store specifying information for specifying a store where a user using the mobile phone 10 purchases economic goods and terminal specifying information for specifying the mobile phone 10.

  The information selection unit 402 is a part that selects user identification information for identifying a user from data stored in the user information storage unit 450 based on the terminal identification information received by the reception unit 401.

  The transmission unit 403 is a part that transmits the user specifying information selected by the information selection unit 403 to the payment server 30 that performs payment related to the user's purchase of economic goods. In this transmission, it is also preferable to transmit the store identification information in association with the user identification information. It is also preferable to transmit the goods specifying information, the consideration information, and the access information in association with each other. Goods identification information, consideration information, and access information are transmitted from the mobile phone 10 and received by the receiving unit 401.

  The effect of this embodiment is demonstrated. According to the present embodiment, since the mobile phone 10 receives the store specifying information and transmits it to the settlement server 30 together with the user specifying information (credit card number or the like), purchase of economic goods without passing the user specifying information to the store side You can make payments.

It is a figure which shows the structure of the payment system of this embodiment. It is a figure explaining the payment method using the payment system of FIG. It is a figure which shows the structure of the information processing apparatus which can be installed in the mobile communication network of FIG.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 1 ... Payment system, 10 ... Mobile telephone, 20 ... Store terminal, 30 ... Payment server, 101 ... Information receiving part, 102 ... Information transmission part, 150 ... User information storage part, 201 ... Store information transmission part, 202 ... Payment reception , 203 ... result display section, 250 ... store information storage section, 301 ... reception section, 302 ... determination section, 303 ... transmission section, 304 ... transmission destination switching section, N ... mobile communication network.

Claims (11)

A communication terminal used by a user when purchasing economic goods at a store,
Information receiving means for receiving store specifying information for specifying a store;
Information transmitting means for associating the received store specifying information with user specifying information for specifying a user who uses the communication terminal and transmitting the information to a settlement server;
A communication terminal comprising: The communication terminal according to claim 1, wherein the communication terminal is a mobile station. The information receiving means receives goods specifying information specifying the economic goods together with the store specifying information and consideration information indicating the consideration of the economic goods,
The communication terminal according to claim 1, wherein the information transmitting unit transmits the goods specifying information and the consideration information in association with the store specifying information and the user specifying information to the settlement server. The information receiving means receives access information corresponding to the time when the store specifying information is issued together with the store specifying information,
The communication terminal according to any one of claims 1 to 3, wherein the information transmitting unit transmits the access information in association with the store specifying information and the user specifying information. A payment server that performs payment when a user purchases economic goods at a store,
Receiving means for receiving store specifying information for specifying the store and user specifying information for specifying the user from a transmission source terminal;
Based on the received store specifying information and user specifying information, a determination means for determining whether or not the user can purchase the economic goods,
Transmission means for transmitting the result of the determination to the transmission source terminal,
When the transmission source terminal is a communication terminal used by the user, the transmission destination of the transmission unit is switched so that the determination result of the determination unit is transmitted to a store terminal substantially installed in the store. A settlement server comprising a destination switching means. The receiving means receives the goods specifying information for specifying the economic goods and the consideration information indicating the consideration of the economic goods in association with the store specifying information and the user specifying information,
The determination means determines whether or not the user can purchase the economic goods based on the store specifying information, the user specifying information, the goods specifying information, and the consideration information. The payment server described in. The receiving means receives access information corresponding to the time when the store specifying information is issued in association with the store specifying information and the user specifying information,
The settlement server according to claim 5, wherein the determination unit determines whether or not the user can purchase the economic goods within a predetermined time from the time indicated by the received access information. A payment system comprising: the communication terminal according to any one of claims 1 to 4; and the payment server according to any one of claims 5 to 7. 9. A store terminal comprising: store information transmitting means for transmitting the store specifying information to a communication terminal used by the user; and payment receiving means for receiving a determination result transmitted by the transmitting means. The payment system described in 1. The store information transmitting means includes, on a communication terminal used by the user, goods specifying information for specifying the economic goods, consideration information indicating the price of the economic goods, and access information corresponding to the time when the shop specifying information is issued The payment system according to claim 9, wherein at least one of the following is transmitted. An information processing apparatus installed in a mobile communication network,
Receiving means for receiving, from the mobile station, store specifying information for specifying a store where a user using the mobile station purchases economic goods and terminal specifying information for specifying the mobile station;
Information selection means for selecting user identification information for identifying the user based on the received terminal identification information;
An information processing apparatus comprising: a transmission unit configured to transmit the selected user identification information to a payment server that performs a payment related to the purchase of the user's economic goods.

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