JP2007079903A - Authentication system, electronic settlement system, settlement terminal, settlement method, settlement program and recording medium - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To improve reliability among a claimant, a payer and a settlement agency and to improve convenience of electronic settlement. <P>SOLUTION: A settlement terminal 1 on a payer side generates a first electronic code on the basis of payment information, a payment recipient code and card information and transmits it to the settlement agency 50. The settlement agency 50 verifies whether or not the payer and the card information are legitimate on the basis of the first electronic code. When approved by the settlement agency 50, the settlement terminal 1 receives a second electronic code including an approval code from the settlement agency 50 and transmits the second electronic code to a claimant terminal 40. The claimant terminal 40 transmits the second electronic code to the settlement agency 50. The settlement agency 50 verifies whether or not a demand for payment is legitimate from the first electronic code and the second electronic code and executes payment processing when it is legitimate. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an authentication system using a credit card, an electronic payment system, a payment terminal, a payment method, a payment program, and a recording medium.

  Conventionally, a settlement method using a certificate such as a credit card is known (see, for example, Non-Patent Document 1, Non-Patent Document 2, and Non-Patent Document 3). In the case of a credit card, a settlement institution (≈credit institution) lends a voucher (credit card) that guarantees the payment ability to the payer, and the claimant trusts the payment ability by this voucher. In addition, the claimant makes a contract with a settlement institution (≈ credit institution) in advance and installs a reading device for reading a credit card in a store or the like. At the time of purchasing, the claimant passes the credit card through the reader and sends information about the purchasing action to the clearing house (≈ credit institution), and the clearing house (≈ credit institution) pays for the purchasing action. The credit card settlement for the purchase action is returned.

  If granted, the claimant requests the payer to sign in order to obtain the payer's consent to pay the credit card for the purchase. The payer signs a purchase action by signing it. The demander requests payment for the purchase action from the settlement organization (≈ credit agency) after the purchase action. The clearing house pays the claimant excluding a preset fee. On the other hand, the settlement institution requests payment from the payer instead of the biller by a predetermined payment date.

In the case of a debit card, the clearing house lends a voucher corresponding to the account to the payer, and at the time of purchasing, the pre-registered password and the password registered in advance are charged with the clearing house (≈ credit institution). The payment information is transmitted online and is immediately withdrawn from the payer's registered account, and payment is made to the claimant at a later date.
“Basic knowledge of credit:“ What is credit? ”,“ Online ”,“ Search on April 25, 2005 ”, Internet <URL: http://www.jccia.or.jp/kiso_01.html > “Basic credit knowledge, card history”, “online”, “Search April 25, 2005”, Internet <URL: http://www.jcca-office.gr.jp/syouhisha/card03.html> "Basic knowledge of credit card payment", "online", "Search April 25, 2005", Internet <URL: http://www.jcca-office.gr.jp/syouhisha/card03.html>

However, the following problems occur in the above-described prior art.
(1) Claimer's reliability for payers Conventionally, there has been a lack of means by which a payer trusts a claimant. That is, it cannot be confirmed whether the claimant has a legitimate card reader and whether the credit card is read by legitimate means. Also, during the payment process, the payer moves to a place where the credit card cannot be seen by the payer and passes it through the card reader. There was no way to do it.

(2) Payer's reliability for the claimant Conventionally, there is insufficient means for the claimant to trust the payer. That is, the only reliable information is a voucher (credit card) that is about to be used for the purchase action, and it has been difficult to prevent an illegal settlement action by forging it.

(3) The reliability of the claimant and the payer for the clearing house, and the reliability of the clearing house for the claimant and the payer Conventionally, the payer that the clearing house is trying to make payment correctly corresponds to the relevant voucher (credit card). The technique of judging whether or not the person who loaned was insufficient. In addition, it is not sufficient to determine whether a reading device that reads a voucher lent to a payer is a device that correctly contracts with a settlement organization. In addition, the creation of counterfeit vouchers could not prevent criminal acts in which legitimate vouchers were stolen or information recorded on vouchers could be read without the knowledge of the person.

(4) Lack of payment method for peer-to-peer Conventionally, since card readers were essential for payments, payments can only be made at stores where card readers can be contracted, and no store contracts are made. Individuals were unable to charge or pay each other.

  The present invention has been made in consideration of such circumstances, and its purpose is to improve the reliability among the claimant, the payer, and the settlement organization, and to improve the convenience of electronic settlement. An authentication system, an electronic payment system, a payment terminal, a payment method, a payment program, and a recording medium can be provided.

  In order to solve the above-described problems, the present invention is an authentication system that performs authentication between a payer side and a biller side through a payment institution, and is credited to the payer from the payment institution. A first electronic code generated from the voucher information related to the voucher and a payment partner code for identifying the claimant and transmitted to the settlement institution, and a second electronic with an approval code indicating that the settlement is confirmed A payment terminal that receives the code and outputs the code to the claimant; a billing terminal that transmits the second electronic code output from the payment terminal together with a payment partner code representing itself to the payment institution; Based on the first electronic code transmitted by the payment terminal, it is verified whether the payer and the voucher information are legitimate, and if it is legitimate, the second electronic code is sent to the settlement terminal. The payer and the claimant from the second electronic code received from the claimant terminal together with the payment partner code representing the claimant and the first electronic code received from the payment terminal. An authentication system comprising: a settlement institution that verifies and authenticates the validity of the transaction between the payer and the claimant when both are valid.

  The present invention is also an electronic settlement system for performing settlement between a payer side and a biller side via a settlement organization, payment information relating to a purchase action, a payment partner code for identifying a biller, When the first electronic code is generated based on the voucher information related to the voucher provided by the clearing house and transmitted to the clearing house, and the approval of the clearing house is obtained based on the first electronic code. , Receiving a second electronic code containing an approval code indicating that the approval has been obtained from the payment institution and outputting it to the claimant, and the second electronic code together with a payment partner code representing itself And verifying whether the payer and the voucher information are authentic based on the first electronic code, and approving the payer if it is authentic. The payment request is verified from the first electronic code received from the payment terminal and the second electronic code received from the claimant terminal, and if it is genuine, the payment process is executed. An electronic settlement system comprising a settlement organization.

  The present invention also relates to an electronic payment method in which payment is made between a payer side and a biller side via a payment institution, wherein the payment terminal carried by the payer side is payment information relating to purchase activity, the claimant The payment terminal receives the input of voucher information related to the voucher code for identifying the voucher and the voucher credited from the payment institution, and the payment terminal receives the first electronic code based on the payment information, the payer code and the voucher information A code is generated and transmitted to the clearing house, and the clearing house verifies whether the payer and the voucher information are authentic based on the first electronic code. A second electronic code including an approval code indicating that the approval has been obtained is transmitted to the payment terminal, and when the approval of the payment organization based on the first electronic code is obtained, the payment terminal The second electronic code is output to the claimant side, and the terminal on the claimant side receives the second electronic code and sends it to the clearing house together with a payment partner code representing the claimant; The payment institution verifies whether the payment request is legitimate from the first electronic code received from the settlement terminal and the second electronic code received from the claimant terminal. An electronic settlement method characterized by executing processing.

  The present invention also relates to a payment terminal for performing payment between a payer side and a biller side through a payment organization, and identifies the biller with payment information input means for inputting payment information related to a purchase act A payment partner code input means for inputting a payment partner code, a voucher information input means for inputting voucher information relating to a voucher credited from the settlement organization, the payment information, the payment partner code, and the voucher A first electronic code generating means for generating a first electronic code based on the information; a first transmitting means for transmitting the first electronic code to the settlement organization; and the first electronic code based on the first electronic code. When the approval of the clearing house is obtained, the first reception of receiving from the clearing house a second electronic code in which an approval code indicating that the approval is obtained is added to the first electronic code. And the step, a payment terminal, characterized by comprising output means for outputting said second electronic code claimant side.

  According to the present invention, the payment terminal described above receives a second receiving means for receiving payment information and a payment partner code from the payment terminal on the claimant side, and the second electronic code on the payment terminal on the claimant side. And second transmitting means for transmitting.

  Further, the present invention is characterized in that, in the settlement terminal described above, the second receiving means and the second transmitting means transmit and receive data by wireless communication.

  Further, the present invention is characterized in that the payment partner code is stored in an RFID tag, and in the payment terminal described above, the payment partner code input means receives the payment partner code transmitted from the RFID tag. To do.

  Further, according to the present invention, the payment terminal includes a payment institution specifying unit that specifies a payment institution based on the voucher information, and the first transmission unit is connected to the payment institution specified by the payment institution specifying unit. In contrast, the first electronic code is transmitted.

  The present invention also relates to a settlement method for performing settlement between a payer side and a biller side through a settlement organization, wherein payment information related to a purchase action, a billing party is connected to a settlement terminal carried by the payer side. A payment partner code for identification, and voucher information related to a voucher that is credit-provided by the settlement organization are input, and a first electronic code is generated based on the payment information, the payment partner code, and the voucher information When the approval of the payment institution is obtained based on the first electronic code, the approval code indicating that the approval is obtained is added to the first electronic code. A payment method characterized in that an electronic code is received from the payment institution and output to the claimant.

  Further, the present invention is a payment program for performing electronic payment between a payer side and a biller side via a payment organization, wherein payment information relating to a purchase action, a payment partner code for identifying a claimant, A step of inputting voucher information related to a voucher provided by a credit institution, a step of generating a first electronic code based on the payment information, the payment partner code and the voucher information, and the first electronic A step of transmitting a code to the clearing house, and when an approval of the clearing house based on the first electronic code is obtained, an approval code indicating that the approval is obtained is added to the first electronic code. Receiving the second electronic code from the payment institution and outputting the second electronic code to the claimant. It is a settlement program that.

  The present invention also includes a step of inputting payment information relating to a purchase action, a payment partner code for identifying a claimant, and voucher information relating to a voucher provided by a payment institution to a payment terminal carried by the payer. Generating a first electronic code based on the payment information, the payment partner code, and the voucher information, transmitting the first electronic code to the settlement institution, and adding the first electronic code to the first electronic code. Receiving an approval of the clearing house based on the second electronic code added to the first electronic code indicating that the approval is obtained from the clearing house; A recording medium storing a settlement program for causing a computer to execute the step of outputting the electronic code of 2 to the claimant.

  According to the present invention, the first electronic code based on the payment information related to the purchasing action, the payment partner code for identifying the billing party, and the voucher information related to the voucher provided by the payment organization by the payment terminal. Is generated and transmitted to the payment institution, and when the approval of the payment institution based on the first electronic code is obtained, a second electronic code including an approval code indicating that the approval is obtained, Output to the claimant, and the claimant terminal sends the second electronic code together with information representing itself to the payment institution, and the payment institution provides the payer and voucher information based on the first electronic code. It is verified whether it is legitimate, and if it is legitimate, the payer is approved and whether the payment request is legitimate from the first electronic code and the second electronic code. And, to execute the payment process so long as it is regular. Therefore, since it is possible to perform settlement without passing the voucher to the claimant, it is possible to prevent unauthorized reading of the voucher, and as a result, criminal acts such as counterfeit vouchers are performed. Can be prevented. At the same time, it is possible to improve the reliability among the biller, the payer, and the settlement organization.

  Further, according to the present invention, the payment terminal carried by the payer side pays information related to the purchase action, the payment partner code for identifying the claimant, and the voucher information related to the voucher provided by the payment institution. The payment terminal generates a first electronic code based on the payment information, the payment partner code and the voucher information, transmits the first electronic code to the payment institution, and the payment institution converts the first electronic code into the first electronic code. The payment terminal and the voucher information are verified based on the authenticity. If the payer and the voucher information are authentic, the payment terminal is approved, and when the approval of the payment organization based on the first electronic code is obtained, the payment terminal The second electronic code containing the approval code indicating that the approval has been obtained is output to the claimant side, and the second electronic code is received by the terminal on the claimant side, The information is transmitted to the settlement institution together with the information to be verified, and the settlement institution verifies whether the payment request is genuine from the first electronic code and the second electronic code. Execute. Therefore, since it is possible to perform settlement without passing the voucher to the claimant, it is possible to prevent unauthorized reading of the voucher, and as a result, criminal acts such as counterfeit vouchers are performed. Can be prevented. At the same time, it is possible to improve the reliability among the biller, the payer, and the settlement organization.

  Further, according to the present invention, the payment information input means inputs payment information related to the purchase action, the payment partner code input means inputs the payment partner code for identifying the claimant, and the voucher information input means. To input the voucher information related to the voucher that is credited from the settlement organization, and the first electronic code generating means generates the first electronic code based on the payment information, the payment partner code, and the voucher information. When the first transmission means transmits the first electronic code to the payment institution and the approval of the payment institution based on the first electronic code is obtained, the first reception means The second electronic code in which an approval code indicating that the approval has been obtained is added to the first electronic code is received from the settlement institution, and the second electronic code is output by the output means. And outputs the de claimant side. Therefore, since it is possible to perform settlement without passing the voucher to the claimant, it is possible to prevent unauthorized reading of the voucher, and as a result, criminal acts such as counterfeit vouchers are performed. Can be prevented. At the same time, it is possible to improve the reliability among the biller, the payer, and the settlement organization.

  Further, according to the present invention, the second receiving means receives payment information and a payment partner code from the claimant side payment terminal, and the second transmission means sends the payment information to the claimant side payment terminal. 2 electronic code is transmitted. Accordingly, since the settlement can be performed without passing the voucher to the claimant, illegal reading of the voucher can be prevented. Further, there is an advantage that even individuals who do not have a dealer contract can charge and pay each other on a peer-to-peer basis.

  According to the present invention, the second receiving unit and the second transmitting unit perform data transmission / reception by wireless communication. Therefore, it is possible to easily obtain the payment partner code and to obtain the advantages that the convenience of electronic payment can be improved.

  According to the present invention, the payment partner code is stored in an RFID tag, and the payment partner code transmitted from the RFID tag is received by the payment partner code input means. Therefore, it is possible to easily obtain the payment partner code and to obtain the advantages that the convenience of electronic payment can be improved.

  Further, according to the present invention, the clearing institution specifying means specifies the clearing institution based on the voucher information, and the first transmitting means specifies the clearing institution for the clearing institution specified by the clearing institution specifying means. 1 electronic code is transmitted. Therefore, a plurality of certificates can be used, and the advantage that the convenience of electronic payment can be improved is obtained.

  Further, according to the present invention, the payment terminal carried by the payer side pays information relating to the purchase action, the payment partner code for identifying the claimant, and the voucher information related to the voucher provided by the payment institution. To generate a first electronic code based on the payment information, the payment partner code and the voucher information and transmit it to the clearing house, and the approval of the clearing house based on the first electronic code is obtained. When received, an approval code indicating that the approval is obtained is received from the settlement institution and a second electronic code added to the first electronic code is output to the claimant. Accordingly, since the settlement can be performed without passing the voucher to the claimant, illegal reading of the voucher can be prevented.

Hereinafter, an electronic apparatus according to an embodiment of the present invention will be described with reference to the drawings.
A. First embodiment A-1. First Embodiment FIG. 1 is a block diagram showing a configuration of a payment system to which a payment terminal according to a first embodiment of the present invention is applied. The settlement terminal 1 is a device carried by a payer (user). The settlement terminal 1 includes a payment partner code reading unit 10, a payment information input unit 11, a card information reading unit 12, a control unit (coding unit) 13, a communication unit 14, and an output unit 15.

  The payment partner code reading unit 10 reads the payment partner code 20 for identifying a billing party who requests payment for the purchase action such as a store that has a card payment contract with a payment organization (such as a card company). The payment partner code may be provided as a barcode attached to a payment counter at a store or the like, or may be wirelessly transmitted from an RF tag, a cash register, or a separately provided device. Alternatively, the payer code may be presented in the store and manually entered by the payer.

  The payment information input unit 11 inputs payment information 21 such as the date of payment and the amount of money for purchase. The payment information may be transmitted wirelessly from a cash register for calculating the payment amount, or the payer may manually input the payment information by looking at the display on the register. The card information reading unit 12 reads card information (name of nominee, card number, expiration date, etc.) 30 recorded on a credit card issued by a settlement organization. At this time, the respective card information may be read from a plurality of credit cards and stored in the payment terminal 1. Further, for personal authentication, authentication using biometrics (fingerprint, palm print, voice print, retina, iris) may be performed.

  The control unit (coding unit) 13 controls the operation of each unit. More specifically, a first electronic code including the payment partner code 20, the payment information 21 and the card information 30 is generated (encoded) and transmitted to a settlement organization (settlement organization server) 50 to be described later. The second electronic code including the authorization code transmitted from the settlement organization 50 is received and transmitted to the biller terminal 40 described later.

  The communication unit 14 transmits the first electronic code to the settlement institution 50 via a predetermined communication line network (not shown) and receives the second electronic code transmitted from the settlement institution 50. The output unit 15 transmits the second electronic code to the claimant terminal 40. When the settlement terminal 1 and the claimant terminal 40 (details will be described later) are not connected by wire or wireless, the output unit 15 prints and outputs the second electronic code on a paper medium or the like. It may be a printing device. Alternatively, in addition to the output unit 15 that transmits the second electronic code, a printing device that prints and outputs the second electronic code on a paper medium or the like may be provided separately.

  Next, the biller terminal 40 receives the second electronic code transmitted from the output unit 15 of the payment terminal 1, and sends the second electronic code via a predetermined communication network (not shown). Along with the payment partner code representing itself, it is transmitted to the settlement organization 50 described later. Further, the biller terminal 40 receives paid information transmitted from the settlement institution 50 for notifying that the payment to the financial institution 60 designated by the claimant has been completed. The biller terminal 40 may be incorporated in a cash register for calculating the price, or may be installed in the store as a separate body such as a personal computer.

  Next, the settlement institution 50 corresponds to a credit company or a credit institution that the payer (user) has contracted for using the credit card, and correctly follows the card information 30 included in the first electronic code from the settlement terminal 1. It authenticates whether or not the person who lent the corresponding voucher (credit card), verifies the payer's ability to pay, and if all are approved, adds an approval code to the first electronic code. 2 is generated and returned to the payment terminal 1.

  Further, the settlement institution 50 matches the second electronic code transmitted from the biller terminal 40 together with the payment partner code with the first electronic code, and the payment requested from the biller side is normal. If it is determined that there is a regular payment request, a payment process is executed to make a payment to a financial institution (account) 60 registered in advance by the claimant, and payment is made to notify that the payment is completed Information is returned to the biller terminal 40. Further, the settlement organization 50 performs an automatic withdrawal process in which the payment paid to the claimant by the settlement process on a predetermined date is withdrawn from the financial institution (account) 61 registered by the payer (user) at the time of the contract. Note that these processes in the settlement institution 50 are performed by processes of a server or the like that the settlement institution 50 has. The settlement terminal 1 and the biller terminal 40 are connected to the settlement organization 50 via a communication line network such as a mobile phone or ISDN.

  As described above, the financial institution 60 is a financial institution having a biller side account, and the financial institution 61 is a financial institution having a payer side account.

A-2. Operation of First Embodiment Next, the operation of the first embodiment described above will be described.
(1) Payment terminal payment processing FIG. 2 is a flowchart for explaining the operation of the payment terminal according to the first embodiment. The payment terminal 1 first settles the amount at a cash register or the like, and then inputs payment information (settlement date, settlement amount, item, etc.) (S10). The payment information may be input wirelessly from a cash register for calculating the payment amount, or may be manually input by the payer looking at the register display.

  Next, a payment partner code is input (S12). The payment partner code may be read from a bar code attached to a payment counter or the like at a store, or may be wirelessly transmitted from a non-contact type or contact type RF tag, a cash register, or a separately provided device. . Alternatively, the payer may manually input a payment partner code presented in the store.

  Next, card information is input (S14). When card information is input from a plurality of credit cards in advance, at this time, which credit card is used for payment is selected. Next, the control unit 13 generates a first electronic code from the payment information, the payment partner code, and the card information (S16), and the communication unit 14 sends the first electronic code to the settlement organization 50 obtained from the card information. Is transmitted (S18). At this time, the control unit 13 reads biometric information directly from the user via a biometric information reading unit (not shown) or the like, and transmits the biometric information to the settlement organization 50 together with the first electronic code.

  Next, it is determined whether or not approval is obtained at the settlement organization 50 (S20). If approval is not obtained, an error is notified (S22), and the process is terminated. On the other hand, if the approval of the clearing house is obtained, the second electronic code including the approval code is received from the clearing house 50 (S24), and the output unit 15 transmits the second electronic code to the claimant terminal 40 (S26). ). The second electronic code may be transmitted to the claimant terminal 40 either by wire or wirelessly, or may be printed out and presented to the claimant on a paper medium or the like. Also good. At this point, the payment action has been approved by the payer, and the signature that has been performed can be omitted. Thereafter, the process ends.

(2) Approval Process at the Payment Facility Next, FIG. 3 is a flowchart for explaining the operation of the approval process at the payment facility according to the first embodiment. The settlement institution 50 receives the first electronic code from the settlement terminal 1 (S30), and verifies whether or not a settlement act is possible based on the first electronic code (S32). This verification is performed by, for example, reading information on the presence / absence of payment ability recorded in the database in association with the card information from the card information included in the first electronic code and the payment amount information included in the payment information. In the case of information indicating that there is a payment ability, the verification result is output as OK. Next, it is determined whether or not the verification is OK (S34), and if there is a problem such as lack of payment capability or false information in the card information, an NG code is transmitted to the settlement terminal 1 ( S36). In this case, in the payment terminal 1, the determination in step S20 is NO, and an error is notified to the payer. At this time, the biometric information transmitted together with the first electronic code is compared with the biometric information recorded in advance in the database in association with the payer information included in the first electronic code. It is also determined whether or not the user using the payment terminal 1 is a valid user depending on whether or not they match. Note that another payer authentication code may be used instead of the biometric information. As a result, it is possible to verify whether or not the settlement action is possible using the payer authentication code, so that if the payer authentication code matches, the payer can be trusted and the settlement action can be permitted.

  On the other hand, if the card information is correct and there is no problem such as payment capability, an authorization code is assigned to the first electronic code to generate a second electronic code (S38), and the second electronic code is generated. The code is transmitted to the payment terminal 1 (S40).

(3) Settlement Process at Biller Terminal Next, FIG. 4 is a flowchart for explaining the operation of the settlement process at the claimant terminal according to the first embodiment. First, the biller terminal 40 receives the second electronic code from the payment terminal 1 (S50), the payment information described in the received second electronic code, the payment information already transmitted to the payment terminal 1, and To check whether the payment information described in the received second electronic code is correct (S51). For example, if the biller terminal 40 is integrated with the cash register, it may be compared with the payment information in the cash register, or the biller terminal 40 is provided with a display unit to display the external payment information. You may make it confirm. If the payment information is correct (S52), the second electronic code and the payment partner code representing the biller itself are transmitted to the settlement organization 50 (S53). If the payment information is not correct, an error is notified (S54). Next, it is determined whether or not approval is obtained at the settlement organization 50 (S55). If approval is not obtained, an error is notified (S56), and the process is terminated. The case where the approval is not obtained means that the first electronic code from the settlement terminal 1 and the second electronic code from the claimant terminal 40 (including the first electronic code) for the payment action at the settlement organization. Corresponds to the case of mismatch.

  On the other hand, if approval is obtained at the settlement organization 50, the paid information from the settlement organization 50 is received (S57), and the processing is terminated. The paid information indicates that payment processing has been completed at the settlement organization 50. Therefore, the payment process is completed at this point.

(4) Settlement Processing at the Payment Facility Next, FIG. 5 is a flowchart for explaining the operation of the payment processing at the payment facility according to the first embodiment. When the settlement organization 50 receives the second electronic code from the claimant terminal 40 (S60), the first code transmitted to the settlement terminal 1 in advance for the payment action from the settlement terminal 1 (or to the settlement terminal 1). The returned second electronic code is acceptable) and the received second electronic code is matched (S62), and it is determined whether or not both pieces of information match (S64).

  Then, if the two pieces of information do not match, that is, the result of the match is NG, an error is notified to the claimant terminal 40 (S66). On the other hand, if both the information matches, that is, if the result of the match is OK, the payment process is performed to the financial institution (account) 60 registered in advance by the claimant (S68) to notify that the settlement is completed. The paid information for the request is transmitted to the biller terminal 40 (S70). Then, the process ends. The settlement institution 50 withdraws the price paid to the claimant by the settlement process on a predetermined date from the financial institution (account) 61 registered by the payer (user) at the time of the contract.

  As described above, according to the first embodiment, since it is not necessary to give the credit card to the claimant, it is not necessary for the payer to check the reliability of the claimant, and the fraudulent information related to the payment action by the credit card is not necessary. Unauthorized acts such as reading can be prevented. In addition, for the settlement organization, an approval request from the payer and a payment request from the claimant are transmitted together, and by confirming this, it can be confirmed that the settlement act has been implemented between the parties.

B. Second Embodiment Next, a second embodiment of the present invention will be described. In the second embodiment, a peer-to-peer payment method will be described in which individuals who have not made a dealer contract charge and pay each other.

B-1. Configuration of Second Embodiment FIG. 6 is a block diagram showing a configuration of a payment system to which a payment terminal according to the second embodiment is applied. In the figure, payment terminal 1-1 is a terminal carried on the payer side, and payment terminal 1-2 is a terminal carried on the claimant side. Hereinafter, in the figure, the subscript with “−1” is a constituent requirement of the payment terminal 1-1 on the payer side, and the subscript with “−2” is the billing side payment terminal. This is a configuration requirement 1-2. In the second embodiment, the settlement terminals 1-1 and 1-2 are provided with transmission / reception units 16-1 and 16-2 made of means using infrared communication or short-range wireless communication, for example. It is characterized in that data is exchanged between 16-1 and 16-2. Payment terminal 1-1 and payment terminal 1-2 are arranged such that transmission / reception units 16-1 and 16-2 face each other.

  Next, the operation of the payment system according to the second embodiment described above will be described. First, the billing side settlement terminal 1-2 transmits payment information (settlement date, settlement amount, item, etc.) and a payment partner code from the transmission / reception unit 16-2. The settlement terminal 1-1 on the payer side receives the payment information (settlement date, settlement amount, item, etc.) and the payment partner code by the transmission / reception unit 16-1. Next, the payment terminal 1-1 reads card information. When the card information is read from a plurality of credit cards in advance, at this time, which credit card is used for payment is selected. Here, the payment information may be input from the payment information input unit 11-1. Further, the payment partner code may be read from the payment partner code reading unit 10-1.

  Next, the payment terminal 1-1 generates a first electronic code from the payment information, the payment partner code, and the card information, and transmits the first electronic code to the payment organization 50 obtained from the card information. Next, the settlement terminal 1-1 determines whether or not approval has been obtained by the settlement organization 50. If the approval is not obtained, the settlement terminal 1-1 gives an error notification. The second electronic code containing the code is received, and the second electronic code is transmitted to the claimant terminal 1-2 by the transmission / reception unit 16-1.

  The settlement terminal 1-2 on the claimant side receives the second electronic code by the transmission / reception unit 16-2, and checks that the payment information described in the received second electronic code is correct. If the payment information is correct, the second electronic code is transmitted to the settlement organization 50. Next, it is determined whether or not the approval is obtained from the settlement organization 50. If the approval is not obtained, an error is notified. On the other hand, if the approval is obtained from the settlement organization 50, the paid information from the settlement organization 50 is obtained. Receive. At this point, the payment process is complete.

  The payment process at the payment institution is the same as in the first embodiment described above, and a description thereof will be omitted.

  According to the above-described second embodiment, even individuals who have not made a dealer contract can charge and pay each other on a peer-to-peer basis.

  The settlement terminal and the biller terminal described above have a computer system inside. The process described above is stored in a computer-readable recording medium in the form of a program, and the above process is performed by the computer reading and executing this program. Here, the computer-readable recording medium means a magnetic disk, a magneto-optical disk, a CD-ROM, a DVD-ROM, a semiconductor memory, or the like. Alternatively, the computer program may be distributed to the computer via a communication line, and the computer that has received the distribution may execute the program.

  The program may be for realizing a part of the functions described above. Furthermore, what can implement | achieve the function mentioned above in combination with the program already recorded on the computer system, and what is called a difference file (difference program) may be sufficient.

It is a block diagram which shows the structure of the payment system to which the payment terminal by 1st Embodiment of this invention is applied. It is a flowchart for demonstrating operation | movement of the payment terminal by this 1st Embodiment. It is a flowchart for demonstrating operation | movement of the recognition process in the clearing house by this 1st Embodiment. It is a flowchart for demonstrating the operation | movement of the payment process in the claimant terminal by this 1st Embodiment. It is a flowchart for demonstrating operation | movement of the payment process in the payment organization by this 1st Embodiment. It is a block diagram which shows the structure of the payment system to which the payment terminal by 2nd Embodiment of this invention is applied.

Explanation of symbols

1 Payment terminal 10 Payment partner code reading unit (payment partner code input means)
11 Payment information input section (payment information input means)
12 Card information reader (Voucher information input means)
13 Control unit (first electronic code generation means, settlement organization identification means)
14 Communication unit (first transmitting means, first receiving means)
15 Output unit (output means)
20 Payment partner code 21 Payment information 30 Card information 40 Biller terminal 50 Payment institution 60, 61 Financial institution 1-1 Payment terminal on payment side 1-2 Payment terminal on requester side 16-1, 16-2 (Second receiving means, second transmitting means)

Claims (11)

An authentication system that performs authentication between a payer and a biller through a clearing house,
A first electronic code is generated from the voucher information related to the voucher credited to the payer from the payment institution and a payment partner code for identifying the claimant, and is transmitted to the payment institution and confirmed by the payment institution. A payment terminal that receives the second electronic code with an approval code indicating that the request has been received and outputs it to the claimant;
A biller terminal that transmits the second electronic code output from the payment terminal together with a payment partner code representing itself to the payment institution;
Based on the first electronic code transmitted by the payment terminal, it is verified whether the payer and the voucher information are legitimate, and if they are legitimate, the second electronic code is transmitted to the settlement terminal. And verifying the payer and the claimant from the second electronic code received from the claimant terminal together with the payment partner code representing the claimant and the first electronic code received from the payment terminal. And a clearing house that authenticates the legitimacy of the transaction between the payer and the claimant when both are legitimate. An electronic payment system that performs payment between a payer and a biller through a payment institution,
A first electronic code is generated based on the payment information related to the purchase action, the payment partner code for identifying the claimant, and the voucher information related to the voucher provided by the payment institution, and is transmitted to the payment institution. When the approval of the clearing house based on the first electronic code is obtained, the second electronic code including the approval code indicating that the approval is obtained is received from the clearing house, and the claimant side Payment terminal to output,
A biller terminal that transmits the second electronic code to the clearing house together with a payee code representing itself;
Based on the first electronic code, the payer and the voucher information are verified to be authentic, and if they are authentic, the payer is approved and the first electronic code received from the payment terminal and the An electronic payment system comprising: a payment institution that verifies whether a payment request is legitimate from the second electronic code received from the claimant terminal, and executes a payment process if it is legitimate . An electronic payment method in which payment is made between a payer and a biller through a payment institution,
The payment terminal carried by the payer accepts input of payment information relating to purchase activities, a payment partner code for identifying a billing party, and voucher information relating to a voucher provided in credit from the payment institution,
The payment terminal generates a first electronic code based on the payment information, payment partner code and voucher information, and transmits the first electronic code to the payment institution;
The settlement institution verifies whether the payer and the voucher information are authentic based on the first electronic code, and if it is authentic, the payer is approved and the approval is obtained. Sending a second electronic code with an authorization code to the payment terminal;
When approval of the settlement organization based on the first electronic code is obtained, the settlement terminal outputs the second electronic code to the claimant side,
The terminal on the claimant side receives the second electronic code and sends it to the clearing house together with a payee code representing the claimant;
The payment institution verifies whether the payment request is legitimate from the first electronic code received from the settlement terminal and the second electronic code received from the claimant terminal. An electronic settlement method characterized by executing processing. A payment terminal that performs payment between a payer and a biller via a payment institution,
A payment information input means for inputting payment information related to a purchasing action;
Payer code input means for inputting a payer code for identifying the claimant;
Voucher information input means for inputting voucher information related to a voucher that is credit-provided by the settlement organization;
First electronic code generation means for generating a first electronic code based on the payment information, the payment partner code and the voucher information;
First transmission means for transmitting the first electronic code to the payment institution;
When the approval of the clearing house based on the first electronic code is obtained, a second electronic code in which an approval code indicating that the approval is obtained is added to the first electronic code is received from the clearing house. First receiving means for receiving;
An output means for outputting the second electronic code to the claimant. Second receiving means for receiving payment information and a payment partner code from the payment terminal on the claimant side;
The payment terminal according to claim 4, further comprising: a second transmission unit configured to transmit the second electronic code to the payment terminal on the biller side.   6. The settlement terminal according to claim 5, wherein the second receiving unit and the second transmitting unit transmit and receive data by wireless communication. The payment partner code is stored in an RFID tag,
5. The settlement terminal according to claim 4, wherein the payment partner code input means receives a payment partner code transmitted from the RFID tag. A clearing house specifying means for specifying a clearing house based on the voucher information;
5. The payment terminal according to claim 4, wherein the first transmission means transmits the first electronic code to the payment institution specified by the payment institution specifying means. A payment method in which payment is made between a payer and a biller via a payment institution,
In the payment terminal carried by the payer side, input payment information relating to purchase activities, a payment partner code for identifying a billing party, and voucher information relating to a voucher provided in credit from the payment institution,
Based on the payment information, the payment partner code and the voucher information, a first electronic code is generated and transmitted to the settlement institution,
When the approval of the clearing house based on the first electronic code is obtained, a second electronic code in which an approval code indicating that the approval is obtained is added to the first electronic code is received from the clearing house. A settlement method characterized by receiving and outputting to the claimant. A payment program for electronic payment between a payer and a biller via a payment institution,
Inputting payment information relating to purchase activities, a payment partner code for identifying a claimant, and voucher information relating to a voucher credited from the settlement organization;
Generating a first electronic code based on the payment information, the payment partner code and the voucher information;
Transmitting the first electronic code to the clearing house;
When the approval of the clearing house based on the first electronic code is obtained, a second electronic code in which an approval code indicating that the approval is obtained is added to the first electronic code is received from the clearing house. Receiving step;
A payment program for causing a computer to execute the step of outputting the second electronic code to a claimant. A step of inputting payment information relating to a purchase action, a payment partner code for identifying a billing party, and voucher information relating to a voucher provided by a payment institution into a payment terminal carried by the payer side;
Generating a first electronic code based on the payment information, the payment partner code and the voucher information;
Transmitting the first electronic code to the clearing house;
When the approval of the clearing house based on the first electronic code is obtained, a second electronic code in which an approval code indicating that the approval is obtained is added to the first electronic code is received from the clearing house. Receiving step;
A recording medium for storing a settlement program for causing a computer to execute the step of outputting the second electronic code to a claimant.

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