JP2009193155A - Settlement terminal, settlement processing system, and settlement processing method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a settlement terminal, a settlement processing system and a settlement processing method for enabling a settlement card with preferential terms by using a contactless IC chip. <P>SOLUTION: The settlement terminal connected to a reader/writer is provided for the settlement card with preferential terms in which transaction conditions are favorably treated for transaction with a predetermined partner. The reader/writer is configured to read user information and preferential user information from first and second storage areas, respectively through access authentication to the storage areas, in a contactless IC chip which is equipped with a first storage area storing the user information issued by an issuer of the settlement card and a second storage area storing the preferential user information issued by the predetermined partner. When the presence of the second storage area is confirmed by the reader/writer, the settlement terminal determines that the settlement card has preferential terms, and when the settlement card has the preferential terms, preferential transaction conditions is presented to the user. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a payment terminal, a payment processing system, and a payment processing method.

  In recent years, a non-contact IC (Integrated Circuit) chip has been mounted on a portable device such as a mobile phone, and electronic transactions have been performed using the function of the non-contact IC chip. For example, a user of a portable device equipped with a non-contact IC chip can obtain a product or service using electronic money or points recorded on the non-contact IC chip. At that time, the user simply touches the portable device against a reader / rider for reading / writing information on the non-contact IC chip. At this time, the reader / writer performs access authentication to the recording area where information is recorded with the non-contact IC chip, and accesses information such as electronic money and points after the authentication processing is completed. Therefore, electronic trading with sufficiently high reliability is realized.

  For example, the following post-payment settlement methods are known as a settlement method for electronic transactions realized using a portable device equipped with such a non-contact IC chip. (1) One is that the credit card number for paying the price of the actually purchased product is registered in the non-contact IC chip, and the credit of the number read by the business operator using the reader / rider The card will be charged at a later date. (2) The other is that the user information associated with the credit card by the payment operator is registered in the non-contact IC chip, and the user information read by the transaction operator using the reader / lider is set in the payment business. The user is informed and charged for the user.

  By the way, in recent years, credit cards called partner credit cards have become widespread. This is a credit card to which a preferential privilege of a partner company that has partnered with a credit card settlement company is given. For example, when a transaction by credit card payment is concluded at a store of another business operator that has a partnership with a credit card payment business operator, the transaction conditions are preferentially treated. The preferential treatment of transaction conditions includes, for example, transaction price discounts, point grants, and point grant rates. However, in order to apply a settlement transaction using such a partner credit card with preferential conditions to an electronic transaction using a non-contact IC chip, some ingenuity is required. In particular, it is necessary to devise so that the credit card to be settled can be recognized as a partner credit card by a business partner.

  As a technique relating to the transaction as described above, for example, in Patent Document 1 below, a technique relating to a point management system that manages, with a computer, points given to a member of a store when the member uses the store Is disclosed. This technology manages members for each group, and totals the points given to each member for each group so that the points can be used in units of groups.

  Patent Document 2 below discloses a technique relating to a multi-host automatic transaction method for executing transaction processing by connecting a plurality of automatic transaction terminal devices that can use magnetic cards to a host system via a public line. Is disclosed. Furthermore, the following Patent Document 3 discloses a technology of a card processing device used for a payment operation such as a credit card. In this technique, a business by a card is processed using a company code recorded on the card and card processing information set based on identification data.

JP 2003-109116 A JP-A-60-198676 JP-A-6-44268

  However, even if the methods described in the above documents are used, it is difficult for the partner business operator to determine whether or not the credit card to be settled is a partner credit card in the electronic transaction using the non-contact IC chip. With regard to this problem, for example, in the method (1) above, by registering various card information recorded as magnetic information or the like on a credit card in a non-contact IC chip, the credit card can be used in other businesses. It is considered possible to determine that the credit card is a partner credit card with a special benefit by the person. However, it is needless to say that the use of the method (1) is not preferable in terms of security because credit card information is directly registered in the non-contact IC card.

  On the other hand, when the method (2) is used, it is difficult for the partner business operator to determine whether or not the credit card to be settled is a partner credit card in terms of technical and practical use. In particular, it is difficult to determine whether or not the credit card to be settled is a partner credit card in the local processing by the settlement terminal.

  Although it is not realistic, for example, all the linking information and the corresponding credit card information are stored in a payment terminal or a reader / lider connected thereto, and the linking information read from the non-contact IC chip is stored. A method of replacing with credit card information is also conceivable. However, in order to use this method, the payment terminal or the reader / rider needs a very large storage capacity in order to store information for replacing the association information with credit card information. In addition, there is a problem that it takes much time to register and update the association information. Therefore, it is not realistic.

  As described above, in an electronic transaction using a non-contact IC chip, it is difficult to determine whether or not the transaction target credit card is a partner credit card by local processing such as a payment terminal. Therefore, it becomes difficult for the user to receive the preferential conditions immediately when performing such electronic transactions. In other words, users who use the same affiliated credit card for payment but use the credit card itself and use electronic transactions with non-contact IC chips have different transaction conditions. A situation that is inconvenient for the user occurs. For these reasons, there is a need for a technology that enables a partner credit card to be recognized by a local processing of a payment terminal or a reader / rider.

  In addition to the credit card, various settlement cards such as a debit card and a point card can be used for the settlement of electronic transactions as described above. These various payment cards also have substantially the same problem in electronic transactions using contactless IC chips. For this reason, there is a need for the development of technologies that can solve these problems. Therefore, in the following description, when it is called a payment card, it should be noted that it is not limited to a credit card, and various payment cards are included in the object.

  Accordingly, the present invention has been made in view of the above problems, and an object of the present invention is to determine whether or not a settlement card to be settled has a preferential condition in an electronic transaction using a non-contact IC chip. Is to provide a new and improved payment terminal, a payment processing system, and a payment processing method.

  In order to solve the above problems, according to a certain aspect of the present invention, an issuer of a payment card with a preferential condition in which the transaction condition is preferentially used when used with a predetermined trading partner. For the non-contact IC chip provided with a first storage area in which user information issued by is stored and a second storage area in which preferential user information issued by the predetermined trading partner is stored, the first and A payment terminal connected to a reader / writer that reads user information in the first storage area and preferential user information in the second storage area through access authentication to the second storage area is provided. The payment terminal includes a determination unit that determines that the payment card is a payment card with a preferential condition when the reader / writer confirms the presence of the second storage area, and the determination unit includes the preferential condition And a condition presenting unit that presents a transaction condition to which the preferential condition is applied to a user when it is determined that the payment card is a payment card.

  As described above, the determination unit determines that the payment card is a payment card with preferential conditions when the reader / writer confirms the presence of the second storage area. The condition presenting unit presents a transaction condition to which the preferential condition is applied to the user when the determination unit determines that the payment card has the preferential condition. The condition presentation unit presents normal transaction conditions to the user when the determination unit determines that the payment card does not have preferential conditions.

  As described above, when a transaction is made using a non-contact IC card, whether or not the payment card corresponding to the user information stored in the non-contact IC card has a preferential condition is executed by local processing on the payment terminal side. become able to. That is, it is possible to determine whether or not the payment card has a preferential condition without inquiring from the payment terminal side whether or not the payment card has a preferential condition. It becomes possible. At this time, since the payment terminal uses the presence or absence of the second storage area as a determination criterion, the payment terminal can determine the preferential conditions of the payment card at high speed.

  In the payment terminal, after the transaction conditions are presented by the condition presentation unit, and further, the transaction content and the payment method are specified by the user, the payment of the transaction to the reader / writer is performed. A payment processing request transmission unit that controls to send a payment processing request for processing to the contactless IC chip; and after receiving a payment processing result returned in response to the payment processing request, the contactless IC chip And a preferential user information acquisition unit that acquires the preferential user information from the reader / writer after communication between the reader / writer and the reader / writer is completed. Thus, the payment terminal stores the preferential user information acquired by the preferential user information acquisition unit together with the transaction result and the user information, and executes the payment processing of the payment card with the information. It can also be sent to the system.

  As described above, after the transaction condition is presented by the condition presenting unit, the transaction content is designated by the user, and the settlement method is designated by the user, the settlement processing request transmitting unit transmits to the reader / writer. On the other hand, control is performed so that a settlement processing request for requesting settlement processing of the transaction is transmitted to the non-contact IC chip. Further, the preferential user information acquisition unit receives the payment processing result returned in response to the payment processing request, and then after the communication between the non-contact IC chip and the reader / writer is completed, the preferential user Information is acquired from the reader / writer.

  By applying such a configuration, after a predetermined time or a predetermined number of transactions are completed, information such as transaction details necessary for settlement can be transmitted together with the preferential user information to the backbone system. Therefore, the core system can determine whether or not each transaction was performed under preferential conditions, and for the settlement amount of each transaction performed under preferential conditions, the corresponding counterparty (partner) Can be billed or inquired. In addition, by accumulating a predetermined amount of information such as transaction details, it is not necessary for the communication line of the payment terminal to be always connected to the backbone system, and the effect of improving the security of the payment terminal and the backbone system is obtained. It is done. In addition, the power consumption of the payment terminal can be reduced by reducing the communication frequency.

  The core system holds second association information for associating the card specifying information with the preferential user information, and provides the preferential user information using the first and second association information. It may be. The first storage area may store first association information associated with card specifying information for specifying the payment card as the user information. Further, the second storage area is generated as follows.

  First, an information processing apparatus on which the non-contact IC chip is mounted reads out the first association information stored in the first storage area of the non-contact IC chip and transmits it to the basic system. Then, the preferential user information provided from the core system according to the first association information is acquired, and the preferential user information is provided to an area issuing system that generates the storage area in the non-contact IC chip. And requesting the generation of the second storage area. The area issuing system generates the second storage area and stores the preferential user information therein. In this way, the second storage area is generated and preferential user information is stored.

  Further, in order to solve the above-mentioned problem, according to another aspect of the present invention, information on a payment card with a preferential condition in which a transaction condition is preferentially stored when used with a predetermined trading partner is stored. An information processing apparatus equipped with a non-contact IC chip, an area issuing system for controlling the information processing apparatus to generate a storage area in which the information is stored in the non-contact IC chip, and the non-contact communication A payment process including a reader / writer that reads information stored in the contact IC chip, and a payment terminal that acquires information read by the reader / writer and presents the transaction conditions to the user according to the information A system is provided.

  The non-contact IC card includes a storage unit having a first storage area in which user information of the payment card is stored. The area issuing system further includes an area generating unit that controls the information processing apparatus to generate a second storage area corresponding to the predetermined trading partner in the storage unit of the non-contact IC card. Further, the reader / writer uses a non-contact communication to determine whether or not the second storage area exists in a storage unit of a non-contact IC chip mounted on the information processing apparatus; A notification unit for notifying the settlement terminal of a determination result by the region determination unit. The payment terminal determines whether the payment card is a payment card with preferential conditions for the predetermined trading partner according to the determination result acquired from the reader / writer, and the determination A condition presenting unit for presenting a transaction condition to which the preferential condition is applied to the user when the payment card has a preferential condition.

  The storage unit provided in the non-contact IC card has a first storage area in which user information of the payment card is stored. The area generation unit included in the area issuing system controls the information processing apparatus to generate a second storage area corresponding to the predetermined trading partner in the storage unit of the non-contact IC card. Thus, the storage unit of the non-contact IC card can be provided with a plurality of storage areas. The storage area is generated by an area generation unit provided in the area issuing system. At this time, the area issuance system generates a storage area in the storage unit of the non-contact IC card using an access means to the non-contact IC card included in the information processing apparatus. The area issuing system stores information in the storage area using the access means.

  As described above, the area issuing system can generate a storage area corresponding to a predetermined trading partner in the storage unit of the non-contact IC card. Therefore, by searching the storage area provided in the storage unit of the non-contact IC card and determining the presence or absence of the second storage area, the settlement card corresponding to the first storage area of the non-contact IC card is It becomes possible to determine whether or not the payment card has a partnership with a predetermined trading partner. As a result, in this determination, the user information stored in the first storage area is notified to the core system, and the process for determining whether or not the user is a target of application of the preferential conditions becomes unnecessary. Can be determined by local processing at the reader / writer and the payment terminal.

  The area determination unit included in the reader / writer determines whether or not the second storage area exists in the storage unit of the non-contact IC chip mounted on the information processing apparatus using non-contact communication. is there. The notification unit provided in the reader / writer notifies the settlement terminal of the determination result by the region determination unit. The determination unit included in the payment terminal determines whether the payment card is a payment card with preferential conditions for the predetermined trading partner according to the determination result acquired from the reader / writer. . In addition, the condition presenting unit included in the payment terminal presents to the user transaction conditions to which the preferential conditions are applied when the payment card has preferential conditions by the determination unit, while the payment card When the preferential conditions are not included, the preferential conditions present non-applicable transaction conditions.

  As described above, the reader / writer searches for the presence or absence of the second storage area in the storage unit of the non-contact IC chip and determines the presence of the second storage area. It can be determined whether or not the payment card corresponding to the first storage area of the card is a payment card having a partnership with the predetermined trading partner. In this process, the reader / writer can complete the process quickly because only the presence or absence of the storage area is the search target. Further, the processing result is notified to the payment terminal and presented to the user by the condition presenting unit of the payment terminal. Therefore, the user of the payment card can immediately check the preferential conditions at the transaction site even if the transaction uses a non-contact IC chip. The condition presentation unit may display the transaction conditions on the display device, or may notify the transaction conditions such as the transaction price by voice.

  The area issuing system may further include a preferential user information storage unit that stores preferential user information issued from the predetermined trading partner in the second storage area. Further, the reader / writer is provided in an authentication unit for performing access authentication for accessing the storage unit of the non-contact IC chip, and in the storage unit of the non-contact IC chip when access authentication is successful by the authentication unit. A user information reading unit that reads out the user information of the first storage area and the preferential user information of the second storage area may be further provided. In this case, the notification unit of the reader / writer notifies the settlement terminal of the user information, the preferential user information, and the determination result by the area determination unit.

  On the other hand, in this case, the payment terminal further includes a recording unit that records a result of the transaction, the user information, and the preferential user information when the transaction is established under the transaction conditions displayed on the display unit. You may have. These information is recorded in the recording unit, and the transaction result, user information, and preferential user information recorded in the recording unit are transmitted to the basic system that executes the payment processing of the payment card. Payment processing is executed in the system, and transaction and payment processing under preferential conditions using a non-contact IC card is completed.

  Thus, after the preferential conditions are presented to the user and the transaction is established under the preferential conditions, the preferential user information is transmitted to the backbone system in addition to the transaction result and the user information. Therefore, the basic system can be used to present preferential user information to a predetermined trading partner, request payment for preferential conditions, and make inquiries regarding preferential application. As a result, the preferential transaction settlement process using the non-contact IC chip is realized as in the case of the transaction using the settlement card itself.

  In order to solve the above problem, according to another aspect of the present invention, there is provided a settlement processing method for a settlement card with a preferential condition in which a transaction condition is preferentially used when used with a predetermined trading partner. Provided. In the payment processing method, the first storage area in which user information issued by the payment card issuer is stored and the second storage area in which preferential user information issued by the predetermined trading partner is stored are contactless. A step provided in the IC chip, and a reader / writer for reading out the information of the non-contact IC chip, through access authentication to the first and second storage areas, and user information in the first storage area, and the first The preferential user information of the two storage areas is read, the payment terminal connected to the reader / writer confirms the presence / absence of the second storage area by the reader / writer, and the payment terminal When the second storage area exists, the step of determining that the payment card is a payment card with preferential conditions; The preferential condition when it is determined that the serial is a payment card with preferential condition applied transaction conditions, characterized in that it comprises the steps to be presented to the user.

  As described above, when a transaction is made using a non-contact IC card, whether or not the payment card corresponding to the user information stored in the non-contact IC card has a preferential condition is executed by local processing on the payment terminal side. become able to. That is, it is possible to determine whether or not the payment card has a preferential condition without inquiring from the payment terminal side whether or not the payment card has a preferential condition. It becomes possible. At this time, since the payment terminal uses the presence or absence of the second storage area as a determination criterion, the payment terminal can determine the preferential conditions of the payment card at high speed.

  As described above, according to the present invention, in an electronic transaction using a non-contact IC chip, it is possible to determine whether or not a settlement card to be settled has a preferential condition by local processing on the settlement terminal side. .

  Exemplary embodiments of the present invention will be described below in detail with reference to the accompanying drawings. In addition, in this specification and drawing, about the component which has the substantially same function structure, duplication description is abbreviate | omitted by attaching | subjecting the same code | symbol.

<One Embodiment of the Present Invention>
An embodiment of the present invention will be described. This embodiment can be applied to a method for postpaid payment using a non-contact IC chip mounted on a mobile phone or the like, for example, without registering the card number of a payment card to be settled in the non-contact IC chip. Further, the present invention relates to a technique for determining whether or not the payment card has a preferential privilege on the payment terminal side.

[System configuration of payment processing system 1000]
First, the system configuration of the payment processing system 1000 according to the present embodiment will be described with reference to FIG. FIG. 1 is an explanatory diagram showing a system configuration example of a payment processing system 1000 according to the present embodiment. In the following, the outline will be briefly described, and then a more detailed description will be added.

(Overview)
As shown in FIG. 1, the payment processing system 1000 mainly includes a mobile device 100, a payment operator system 200, and a partner system 300. Further, the non-contact IC chip 110 is mounted on the portable device 100. The payment processing system 1000 realizes processing in which the partner system 300 determines whether or not the payment card 20 has a special benefit in an electronic transaction using the non-contact IC chip 110.

  In the following description, a user of the payment card 20 is referred to as a user, a person who manages user information of the payment card 20 and performs the payment process is referred to as a payment operator. In addition, when a transaction is made in cooperation with a payment operator and a transaction using the payment card 20 is performed at the partner, the payment card 20 set so that the transaction conditions are preferentially treated is a payment card with a preferential condition or a “ It will be referred to as a payment card with a special benefit. In the following description, preferential conditions and preferential benefits are used with substantially the same meaning.

  The payment card 20 is usually used for payment processing by a payment operator. For example, the contact type credit card reader / rider 10 reads out card information such as user information, partner information, or card number recorded in the payment card 20, or reads / writes transaction information, payment information, etc. Settlement processing is performed. The payment card 20 is a card used for payment in a financial institution, a credit card company, or the like, such as a magnetic card or a contact IC card. The card information may include, for example, information used for biometric authentication such as fingerprint authentication and vein authentication, and information used for various authentication processes such as a password.

  Now, an outline of the settlement process according to the present embodiment will be described. As pre-processing of the payment process, first, in the non-contact IC chip 110 of the mobile device 100, a payment operator area for storing information related to the payment operator and information related to a partner of the payment card 20 are stored. A partner area is generated (hereinafter may be referred to as “issue”). Then, the association information associated with the card information of the settlement card 20 is stored in this settlement operator area. On the other hand, in the partner area, partner member information indicating that the user of the payment card 20 is a member of the partner is stored. These area issuing processes are executed by the area issuing system 204 included in the settlement operator system 200.

  Thus, the non-contact IC chip 110 of the mobile device 100 is provided with a settlement operator area in which the association information of the settlement card 20 is stored and a partner area in which partner member information is stored. In a state where these areas are provided, the user places the portable device 100 on the reader / rider 310 of the partner system 300. Then, the transaction conditions (for example, the price, the number of points given, the coupon to be issued, etc.) to which the preferential conditions are applied are displayed on the display device 332 connected to the payment terminal 330 of the partner system 300. Realizing such a situation is the purpose of the payment processing system 1000 according to the present embodiment.

  At that time, the partner system 300 confirms the existence of the partner area provided in the non-contact IC chip 110, and the settlement card 20 associated with the association information stored in the settlement operator area is the partner's partner. It is determined that the payment card has a preferential condition. Thus, the discrimination process is executed in the local process of the partner system 300. Therefore, the user can receive a special privilege (for example, discount, point grant, coupon distribution, etc.) immediately on the spot. The technology relating to these series of steps constitutes the technical features of this embodiment.

  The outline of the payment processing system 1000 according to the present embodiment has been briefly described above. As described above, when the technology according to the present embodiment is applied, even if the electronic transaction is performed by the non-contact IC chip 110, it is possible to determine the presence / absence of the preferential treatment by the local processing in the partner system 300, thereby speedily. You will be able to offer preferential services. Of course, since the non-contact IC chip 110 does not include the card number of the payment card 20 or various kinds of authentication information, it is in a preferable state in terms of security.

  Note that the above-mentioned local processing means, for example, that the partner system 300 does not need to communicate with the settlement operator system 200 or the like in order to determine whether or not there is a preferential treatment, and the settlement terminal 330 and the reader / writer 310. It just means that the process is complete.

(Details)
The system configuration of the payment processing system 1000 will be described in more detail with reference to FIG. The settlement processing steps according to the present embodiment are roughly classified into “settlement operator area registration processing step”, “affiliation partner area registration processing step”, and “preferential treatment determination process by partner system 300”. Therefore, in the following, after describing the overall configuration of the payment processing system 1000, the functions of the components of the payment processing system 1000 in each processing step and the flow of each processing step will be described in detail.

(Overall system configuration)
As shown in FIG. 1, the payment processing system 1000 includes a mobile device 100, a payment operator system 200, and a partner system 300.

(Portable device 100)
In addition to the non-contact IC chip 110, the mobile device 100 includes, for example, area access applications 132 and 134, a display screen 152, a terminal control application 154, and an antenna 802 for non-contact communication. The area access applications 132 and 134 are means for accessing a storage area (area) provided in the non-contact IC chip 110. The display screen 152 is display means for displaying information stored in the portable device 100 or the non-contact IC chip 110, information acquired from the reader / writer 310, information acquired from the settlement operator system 200, and the like.

  The terminal control application 154 is a means for controlling the function of the mobile device 100. For example, the terminal control application 154 is a program for controlling a communication function or a call function of the mobile device 100 or a playback function or a calculation function of content held inside. The antenna 802 is a loop antenna that is controlled by the non-contact IC chip 110 and performs non-contact communication with the reader / rider 310.

(Non-contact IC chip 110)
The non-contact IC chip 110 has a predetermined application (for example, area access applications 132 and 134) or a secure memory (hereinafter simply referred to as a storage area) that can be accessed only by the reader / writer 310 that has been successfully authenticated. is doing. This storage area is divided into areas such as a settlement operator area and a partner area, and has a hierarchical area structure for each service and user information. An authentication key is provided for each area of each layer, and the reader / rider 310 is required to authenticate access to the authentication key provided in each area. Therefore, the information stored in each area is kept in a secure state independently. Therefore, it can also be used for financial transactions that require high security.

(Regarding the recording structure of the non-contact IC chip 110)
Here, the area structure of the storage area of the non-contact IC chip 110 will be briefly described with reference to FIG. FIG. 2 is an explanatory diagram illustrating a structure example of a storage area included in the non-contact IC chip 110. Each area is provided with an authentication key for access authentication, and access to the area can be performed only when access authentication is established. In that sense, it can be said that it has a secure configuration.

  As shown in FIG. 2, the storage area has a hierarchical structure, and is composed of a system definition block Sys, an area definition block A, and a service definition block Svc in order from the upper hierarchy. Further, user information U is stored in the service definition block Svc.

(System definition block Sys)
In the system definition block Sys, for example, a system code, system key information, and system key version information are stored. The system code is a 2-byte length code that represents a system administrator associated with the system definition block Sys. The system key information is system unit key information used for mutual authentication with the reader / writer 310 when the reader / writer 310 accesses the system definition block Sys. The system key version information is information for managing the generation of system key information. Based on the above information, the system definition block Sys defines a correspondence relationship with the system type (for example, the type of the reader / writer 310).

(Area definition block A)
The area definition block A is a hierarchy located below the system definition block Sys. In the area definition block A, for example, an area code, area key information, and area key version information are stored. An area code is a code for identifying an area. An area is a unit that represents a group of services managed together for each type. The areas include, for example, a ticket gate area for collectively managing a plurality of services related to ticket gates, a payment service for collectively managing a plurality of services related to predetermined payments, and the like. The area key information is key information for each area that is used for mutual authentication with the reader / writer 310 when the reader / writer 310 accesses the area definition block A. The area key version information is information for managing generation of area key information. Based on each piece of information described above, the area definition block A defines a correspondence relationship with the type of area (for example, a ticket gate or a settlement).

(Service definition block Svc)
The service definition block Svc is a hierarchy located below the area definition block A. In the service definition block Svc, for example, a service code, service key information, and service key version information are stored. The service code is a code for identifying each service. A service is a unit representing a group of user information U managed collectively for each type. The services include, for example, a boarding section service for managing a boarding section used by a user, a payment service for managing payment information (for example, a balance) used by the user, and the like. The service key information is key information for each service used for mutual authentication with the reader / writer 310 when the reader / writer 310 accesses the service definition block Svc. The service key version information is information for managing generation of service key information. Based on each information described above, the service definition block Svc defines a correspondence relationship with a service type (for example, a boarding section, a balance, etc.).

(User information U)
The user information U is specific information stored in the service definition block Svc. For example, the user information U corresponding to the boarding section service includes information representing a specific boarding section such as “boarding station: Shinjuku, getting-off station: Osaki”. The user information U corresponding to the settlement service includes information representing a specific balance such as “Balance 100 yen”, “Remaining 100 points”, or “100”. The user information U is information that is actually read and written via the reader / writer 310.

  As described above, after the storage area has a hierarchical structure, key information for mutual authentication is stored for each hierarchy, and by requesting mutual authentication when accessing each hierarchy, the system, area, or Secure information management on a service basis becomes possible. In addition, authentication control can be performed in system units, area units, or service units, and selection and management of system administrators, area managers, or service providers can be facilitated. However, it should be noted that as the number of systems, the number of areas, and the like increase, the hierarchical structure becomes complex, and the burden on search processing and authentication processing for a predetermined layer increases.

(Settlement operator system 200)
Refer to FIG. 1 again. The settlement operator system 200 includes an area issuance system 204, a backbone system 206, and an application providing system 252. The area issuing system 204 may be configured as another system independent of the settlement operator system 200.

(Area issuing system 204)
The area issuance system 204 is means for controlling the area access applications 132 and 134 of the mobile device 100 and issuing a recording area to the non-contact IC chip 110. The area issuing system 204 can store the information recorded in the storage device 202 in the issued recording area. The storage device 202 associates user information and partner member information in addition to user information of the payment card 20, card information of the payment card 20, partner area information regarding the partner area, partner member information, and the like. Association information, association information for associating user information and partner area information, association information for associating card information and user information, and the like are recorded.

(Core system 206)
The backbone system 206 is a member information management system that has a storage device 208 and manages user information of the payment card 200 using user information such as member information recorded in the storage device 208. In addition, the backbone system 206 is also a system that executes a settlement process for a transaction when the transaction is performed using the settlement card 20. That is, the backbone system 206 subtracts the payment amount from the user's account or charges the user for payment of the transaction amount according to the transaction content of the payment card 20.

  Further, when the transaction is performed with a preferential amount as a preferential privilege, for example, the main system 206 charges the preferential amount to the partner or deducts it from the partner's settlement account. In addition to the card information such as the card number and the user information, the storage device 208 records association information that associates the card information with the user information. In the following description, focusing on the user information management function of the backbone system 206, the backbone system 206 may be referred to as a member information management system 206.

(Application providing system 252)
The application providing system 252 is a system for providing the mobile device 100 with area access applications 132 and 134 and a terminal control application 154. The application providing system 252 includes a storage device 254 in which the area access applications 132 and 134 and the terminal control application 154 are recorded. Therefore, when the application providing system 252 receives a download request for a predetermined application from the mobile device 100, the application providing system 252 reads the predetermined application from the storage device 254 and transmits it to the mobile device 100.

(Partner system 300)
The partner system 300 includes a reader / writer 310 and a payment terminal 330.

(Reader / rider 310)
The reader / rider 310 performs non-contact communication with the antenna 802 connected to the non-contact IC chip 110 by using electromagnetic induction, reads information stored in the non-contact IC chip 110, or reads the non-contact IC. Information is written to the chip 110. At this time, the reader / rider 310 executes access authentication for each area of the non-contact IC chip 110, and when access authentication using the authentication key stored in each area is successful, the information stored in the area is stored. Can be accessed.

  For example, the reader / writer 310 confirms the existence of the settlement operator area of the non-contact IC chip 110 or the partner area, and tries access authentication for each area. When the access authentication for each area is successful, the reader / rider 310 can read information such as member information stored in the settlement operator area and partner member information stored in the partner area. The reader / rider 310 transmits various information such as the member information and partner member information read out in this way to the payment terminal 330.

  Further, the reader / writer 310 may be configured to confirm only the presence / absence of the partner area and notify the settlement terminal 330 of the confirmation result. In this case, the payment terminal 330 determines whether or not the payment card 20 corresponding to the non-contact IC chip 110 is a payment card with a special benefit based on the confirmation result indicating the presence or absence of the partner area. With this configuration, the reader / rider 310 does not read the information stored in the hierarchical storage area of the non-contact IC chip 110 when determining whether or not the payment card 20 has a special benefit. Therefore, the determination process is realized at high speed as a whole.

(Payment terminal 330)
The settlement terminal 330 is connected to the display device 332, and displays transaction conditions on the display device 332 according to the information acquired from the reader / writer 310. At this time, the settlement terminal 330 determines whether or not to apply the preferential conditions to the transaction conditions according to the confirmation result acquired from the reader / writer 310, and displays the transaction conditions according to the determination result. . The user can operate the settlement terminal 330 and perform a transaction under the transaction conditions displayed on the display device 332. After the transaction is completed by a user operation, the transaction result and information such as partner member information are recorded in the payment terminal 330 and sent to the backbone system 206 immediately or after a predetermined period. However, as means for sending to the backbone system 206, communication means via a network may be used, or information may be recorded and sent on an arbitrary removable medium.

  The system configuration of the payment processing system 1000 according to the present embodiment has been described in detail above. As described above, the payment processing system 1000 according to the present embodiment determines whether or not the partner area provided in the storage area of the non-contact IC chip 110 mounted on the mobile device 100 is present, and the payment card 20 It can be determined whether or not a special benefit is included. Therefore, the presence / absence of the special benefit can be determined at high speed without accessing information such as partner member information stored in the partner area from the reader / rider 310.

  At this time, the payment terminal 330 connected to the reader / rider 310 has not made an inquiry to the payment operator system 200, and has realized the above-described determination processing by local processing in the partner system 300. . As a result, even if the user uses the non-contact IC chip 110, the user can immediately receive a special benefit. In the following, based on the system configuration described above, the functional configuration of each system related to each of the “payment provider area registration processing step”, “partnership area registration processing step”, and “preferential determination process by the partner system 300”, etc. The flow of processing in each process will be described in detail.

(Registration processing process in the settlement operator area)
First, the functional configuration of the mobile device 100 and the payment operator system 200 in the registration processing process of the payment operator area according to the present embodiment and the flow of the processing step will be described with reference to FIGS. 3 and 6. FIG. 3 is an explanatory diagram showing a functional configuration of the mobile device 100 and the payment operator system 200 in the registration processing process of the payment operator area according to the present embodiment. FIG. 6 is an explanatory diagram showing a flow of a registration processing area registration process according to the present embodiment.

  First, referring to FIG. As shown in FIG. 3, in the settlement operator area registration processing step, the contactless IC chip 100 mounted on the mobile device 100, the settlement operator program 132, and the area issuance included in the settlement operator system 200 are issued. The system 204 is mainly used. The storage device 202 connected to the area issuing system 204 includes member information D1 (ABC) which is user information of the payment card 20, card information D2 (123) such as a card number, and member information D1 (ABC). Assume that linking information D3 (123: ABC) for linking card information D2 (123) is recorded.

  Based on the functional configuration described above, the flow of a settlement operator area registration process step will be described with reference to FIG. The purpose of this process is to bring the payment operator area 112 to the non-contact IC chip 110 and to the state shown in FIG. 3 in which the member information (D1) is stored in the payment operator area 112. It is.

  Please refer to FIG. First, the user activates the mobile device 100 and performs an operation of registering a settlement operator area for registering the membership information D1 of the settlement card 20 (S102). In response to this operation, the settlement operator program 132 of the mobile device 100 transmits a request message for issuing the member information D1 to the member information management system 206 (S104). Next, the member information management system 206 issues member information D1 in response to the received request message and transmits it to the settlement operator program 132 (S106).

  Next, when the payment operator program 132 acquires the member information D1 from the member information management system 206, the payment operator program 132 requests the area issue system 204 to issue the payment operator area 112 by presenting the member information D1 (S108). ). Next, upon receiving an issuance request from the settlement operator program 132, the area issuance system 204 generates a settlement operator area 112 in the non-contact IC chip 110, and registers member information D1 in the settlement operator area 112. (S110). When the registration process is completed, the area issuing system 204 notifies the settlement operator program 132 of the result of the registration process (S112).

  Through the processing steps described above, a settlement operator area as shown in FIG. 3 is generated. In the above process, the exchange between the non-contact IC chip 110 and the area issuing system 204 is realized using the communication function of the portable device 100.

(Registration area registration process)
Next, the functional configuration of the mobile device 100 and the settlement operator system 200 in the registration processing process of the partner area according to the present embodiment and the flow of the processing process will be described with reference to FIGS. 4 and 7. FIG. 4 is an explanatory diagram showing a functional configuration of the mobile device 100 and the settlement operator system 200 in the registration process step of the partner area according to the present embodiment. FIG. 7 is an explanatory diagram showing the flow of the registration processing step for the partner area according to this embodiment.

  First, referring to FIG. As shown in FIG. 4, in the partner area registration process, the non-contact IC chip 100 mounted on the mobile device 100, the partner program 134, and the area issuing system 204 included in the settlement operator system 200. And are mainly used.

  The storage device 202 connected to the area issuing system 204 includes member information D1 (ABC) which is user information of the payment card 20, card information D2 (123) such as a card number, and member information D1 (ABC). In addition to linking information D3 (123: ABC) for linking card information D2 (123), preferential member identification information D4 (T1), member information D1 (ABC), and preferential member identification information D4 (T1) Assume that linking information D3 (ABC: T1) to be linked is recorded.

  This preferential member identification information D4 (T1) includes partner area information D41 and partner member information D42. Therefore, the linking information D3 (ABC: T1) includes the linking information for linking the member information D1 (ABC) and the partner area information D41, and the member information D1 (ABC) and the partner member information D42. You may be comprised by the stringing information linked.

  Based on the functional configuration described above, the flow of the partner area registration process will be described with reference to FIG. In this process, the non-contact IC chip 110 is provided with a settlement operator area 112 and a partner area 114, member information (D1) is stored in the settlement operator area 112, and partner party member information D42 is stored in the partner area 114. 4 is stored in a state as shown in FIG.

  Please refer to FIG. First, the user activates the mobile device 100 and performs an operation of registering a partner area for registering partner member information D42 (S202). In response to this operation, the partner program 134 of the mobile device 100 notifies the contactless IC chip 110 of a request to read the member information D1 stored in the settlement operator area 112 (S204). In response to this request, the non-contact IC chip 110 transmits the member information D1 stored in the settlement operator area 112 to the partner program 134 (S206). With these processes, the reading process of the member information D1 by the partner program 134 is completed. The member information management system 206 associates the member information D1, the card information D2, and the preferential member identification information D4 in advance to generate the association information D3 (S208).

  Next, the partner program 134 sends the member information D1 read from the settlement operator area 112 to the member information management system 206 and requests preferential authentication (S210). In response to the request for the special treatment authentication, the member information management system 206 performs the special treatment authentication using the association information D3 generated in advance (S212). This special authentication is a process for determining whether or not the payment card 20 has a special benefit. This process is realized by the member information management system 206 determining, for example, whether or not the preferential member identification information D4 associated with the member information D1 exists.

  When it is determined that the payment card 20 corresponding to the member information D1 has a special benefit through this process, the member information management system 206 displays the partner area information D41 corresponding to the member information D1 and the partner member. Information D42 is transmitted to the partner program 134 (S214). Next, the partner program 134 transmits the partner area information D41 and the partner member information D42 to the area issuing system 204, and requests the issuance of the partner area 114 and the registration of the partner member information D42 (S216). .

  Next, the area issuing system 204 issues the partner area 114 to the non-contact IC chip 110 based on the partner area information D41 received from the partner program 134, and the partner member information D42 is issued to the partner area 114. Store (S218). When the registration process is completed, the area issuing system 204 notifies the partner program 134 of the result of the registration process (S220).

  Through the processing steps described above, a partner area as shown in FIG. 4 is generated. In this process, since preferential member authentication is performed in advance before generating the partner area 114, it is determined whether or not the settlement card 20 has a preferential privilege by determining whether or not the partner area 114 exists. It can be done. In the above process, the exchange between the non-contact IC chip 110 and the area issuing system 204 is realized using the communication function of the portable device 100.

(About preferential determination process by partner system 300)
Next, with reference to FIGS. 5 and 8, the functional configuration of the mobile device 100 and the settlement operator system 200 and the flow of the processing steps will be described for the preferential determination process by the partner system 300 according to the present embodiment. To do. FIG. 5 is an explanatory diagram showing a functional configuration of the mobile device 100 and the settlement operator system 200 in the preferential determination process by the partner system 300 or the like according to the present embodiment. FIG. 8 is an explanatory diagram showing the flow of the preferential determination process by the partner system 300 according to the present embodiment.

  First, referring to FIG. As shown in FIG. 5, the functional configurations of the mobile device 100 and the settlement operator system 200 in the above-described preferential determination step are basically combinations of the functional configurations shown in FIGS. However, the member information management system 206 is clearly shown in the settlement operator system 200 in order to cope with the process in which the settlement operator program 132 accesses the member information management system 206. Information exchange between the member information management system 206 and the settlement operator program 132 may be performed via the area issuance system 204 as shown in the figure, or directly. May be done.

  In FIG. 5, a communication path P <b> 1 indicates a wireless or wired communication path between the mobile device 100 and the area issuing system 204. On the other hand, the communication path P2 represents a communication path by non-contact communication between the non-contact IC chip 110 and the reader / writer 310. This non-contact communication is realized by the non-contact communication unit 140 of the mobile device 100. The non-contact communication unit 140 includes, for example, a circuit configuration such as an antenna 802 and a front end circuit 804 shown in FIG. 13, and a terminal control application 154 shown in FIG. The reader / writer 310 reads information stored in the settlement operator area 112 or the partner area 114 of the non-contact IC chip 110 and records information in each area via the non-contact communication unit 140. Can do. The information read by the reader / writer 310 is notified to the payment terminal 330.

  Based on the functional configuration described above, the flow of the preferential determination process by the partner system 300 or the like will be described with reference to FIG.

  Please refer to FIG. First, the user places the portable device 100 in which the settlement operator area 112 and the partner area 114 are generated in the non-contact IC chip 110 to the reader / writer 310 (S302). At this time, the settlement terminal 330 displays display data such as product information on the display screen 332 and presents it to the user (S304). In addition, the information presentation method to the user by the payment terminal 330 is arbitrary. For example, it may be a method of presenting product information or the like by voice, or a method of presenting information by controlling the mobile device 100 so that the product information or the like is displayed on the display screen 152 of the mobile device 100. Also good. In response to the information presented in this way, the user operates the settlement terminal 330 to select a product or the like (S306).

  Next, the reader / writer 310 transmits a connection request to the non-contact IC chip 110 (S308). At this time, the reader / writer 310 transmits a connection request for establishing a communication state to the non-contact IC chip 110 with a polling command. The non-contact IC chip 110 transmits a response command to the reader / writer 310 in response to the connection request (S310).

  Next, the reader / writer 310 sends a confirmation request for confirming the existence of the partner area 114 and a read request for preferential member information such as the partner member information D42 stored in the partner area 114 to the non-contact IC chip. 110 is transmitted (S312). Next, the non-contact IC chip 110 transmits the presence / absence of the partner area 114 and preferential member information to the reader / writer 310 in response to the confirmation request and the read request (S314). Next, the reader / writer 310 notifies the settlement terminal 330 of information indicating the presence / absence of the partner area 114 received from the non-contact IC chip 110 (S316). In the following description, it is assumed that the partner area 114 exists.

  Next, the payment terminal 330 displays the transaction content and the payment method to which the preferential conditions are applied on the display screen 332 and presents it to the user (S318). The user confirms the transaction details and the settlement method under the preferential conditions displayed on the display device 332, and operates the settlement terminal 330 to select the settlement method (S320). Next, the payment terminal 330 notifies the reader / writer 310 to transmit a payment request to the non-contact IC chip 110 (S322). Next, the reader / writer 310 transmits a request for payment processing and authentication processing to the non-contact IC chip 110 (S324). Next, the non-contact IC chip 110 executes the settlement process and the authentication process, and then returns the result to the reader / writer 310 (S326).

  Next, the reader / writer 310 notifies the user to remove the portable device 100 from the reader / writer 310 (S328), and sends preferential member information such as partner member information D42 to the payment terminal 330 (S330). . Thereafter, the payment terminal 330 holds the preferential member information in addition to the payment contents related to the above transaction, and transmits the information to the core system 206 immediately or later.

  The transaction / settlement process is executed through the processing steps described above. As described above, the reader / writer 310 confirms whether or not the partner area 114 exists in the non-contact IC chip 110 and notifies the settlement terminal 330 of the confirmation result. At that time, the payment terminal 330 can determine whether or not the payment card 20 corresponding to the non-contact IC chip 310 has a special benefit, so that it immediately presents the transaction details after applying the preferential conditions to the user. Will be able to. At that time, the payment terminal 330 does not require processing such as making an inquiry to another system or referring to information held in advance. Therefore, the payment terminal 330 or the reader / writer 310 does not need to hold a large-capacity storage unit, and can implement the above-described preferential determination process by local processing.

(Summary)
Here, with reference to FIGS. 9, 10, and 11, the functions of the mobile device 100, the settlement operator system 200, the settlement terminal 330, and the reader / writer 310 are arranged in order to realize the above technique. .

(Portable device 100)
As shown in FIG. 9, the mobile device 100 mainly includes a network communication control unit 172, a settlement operator program 132, a partner program 134, a non-contact IC chip control unit 174, and a non-contact IC chip. 110 and a non-contact communication unit 140.

  The network communication control unit 172 is a unit that controls a wired or wireless communication unit for communicating with the settlement operator system 200. The non-contact IC chip control unit 174 is a control unit for controlling the operation of the non-contact IC chip 110. In particular, the non-contact IC chip control unit 174 is a means for accessing the non-contact IC chip 110 based on the settlement operator program 132 and the partner program 134.

  The settlement operator program 132 and the partner program 134 are recorded in, for example, the ROM 704, RAM 706, storage unit 720, or removable recording medium 728 in the hardware configuration shown in FIG. Further, the non-contact IC chip control unit 174 is realized by, for example, an arithmetic processing function of the CPU 702 in the hardware configuration illustrated in FIG. Furthermore, the network communication control unit 172 is realized by the communication unit 726 in the hardware configuration illustrated in FIG.

  Further, the settlement operator program 132 has a membership information registration function 132a for registering the membership information of the settlement card 20 in the settlement operator area 112 of the non-contact IC chip. On the other hand, the partner program 134 has a member information reading function 134a, a preferential treatment requesting function 134b, and a preferential treatment information registering function 134c. The member information reading function 134 a is a function for reading member information stored in the settlement operator area 112 of the non-contact IC chip 110. The preferential authentication request function 134b is a function for requesting preferential authentication by presenting the member information read from the payment operator area 112 to the member information management system 206 of the payment operator system 200.

  The preferential treatment information registration function 134c is a function for registering preferential information such as partner member information acquired from the member information management system 206 in the partner destination area of the non-contact IC chip 110 after the preferential treatment authentication. In other words, the preferential treatment information registration function 134c presents the partner area information and partner member information to the area issuing system 204, and when the partner area 114 of the non-contact IC chip 110 is issued, This is a function for registering preferential information in the area 114.

  In addition to the above functions, the mobile device 100 is provided with an input means for accepting an input operation by the user, a display means (display screen 152) for displaying information to the user, and the like. For example, an input unit such as a button is used by the user to issue an instruction for transmitting a processing request to the payment operator system 200 or the non-contact IC chip or other operations by the payment operator program 132 or the partner program 134. Used for.

(Settlement operator system 200)
As shown in FIG. 10, the settlement operator system 200 includes a function of an area issuance system 204, a function of a member information management system 206, and a network communication unit 210. The network communication unit 210 is a communication unit that communicates with the mobile device 100 via wired or wireless.

  The functional configuration of the area issuing system 204 mainly includes a settlement operator area issuing unit 204a, a partner area issuing unit 204b, a settlement operator area reading / writing unit 204c, and a partner area reading / writing unit. 204d.

  The settlement operator area issuing unit 204 a is a means for issuing the settlement operator area 112 to the non-contact IC chip 110 through the mobile device 100. The partner area issuing unit 204 b is a means for issuing the partner area 112 to the non-contact IC chip 110 through the mobile device 100. The settlement operator area reading / writing unit 204 writes information such as member information in the settlement operator area 112 of the non-contact IC chip 110 in response to a request from the settlement operator program 132 of the mobile device 100, or This is means for reading information from the settlement operator area 112. The partner area read / write unit 204d writes information such as member information and partner member information in the partner area 114 of the non-contact IC chip 110 in response to a request from the partner program 134 of the mobile device 100, Alternatively, the information is read out from the partner area 114.

  On the other hand, the functional configuration of the member information management system 206 mainly includes a member information issuing unit 206a, a card information / member information linking unit 206b, a preferential member authentication unit 206c, and a preferential member information issuing unit 206d. It is.

  The member information issuing unit 206a is means for transmitting member information in response to a request from the settlement operator program 132 of the mobile device 100. The card information / member information associating unit 206b is means for associating and holding the card information of the payment card 20 and the member information. The preferential member authentication unit 206c compares the member information transmitted by the partner program 134 of the mobile device 100 with the association information, and determines whether or not the user of the member information is the preferential member of the partner. It is. When the preferential member authentication unit 206 authenticates the preferential member, the preferential member information issuing unit 206d transmits information about the partner (partner destination area information, etc.) and partner member information to the mobile device 100. Means.

(Reader / Writer 310)
As shown in FIG. 11, the functional configuration of the reader / writer 310 mainly includes a settlement operator application 312, a partner application 314, a communication unit 316, and a non-contact IC chip 318.

  The settlement operator application 312 is a means for reading information such as member information stored in the settlement operator area 112 of the contactless IC chip 110 or writing information in the settlement operator area 112. The partner application 314 is means for reading information such as partner member information stored in the partner area 114 of the non-contact IC chip 110 or writing information in the partner area 114. The communication unit 316 is a means for communicating with the payment terminal 330. The non-contact IC chip 318 is a means for executing communication and authentication processing with the non-contact IC chip 110 mounted on the portable device 100. Note that middleware (not shown) that performs control, communication, data management, and the like related to processing between the non-contact IC chip 318 and the settlement provider application 312 or the partner application 314 is interposed.

(Payment terminal 330)
Continuing to refer to FIG. The functional configuration of the payment terminal 330 mainly includes a display device 332, a transaction function providing unit 334, an input device 336, a storage device 338, and a reader / writer drive control unit 340.

  The transaction function providing unit 334 is, for example, a POS (Point of sale) application, and is a means for providing transaction product buying and selling processing (aggregation and the like) by a settlement method selected by the user. The transaction function providing unit 334 also provides a function of causing the display device 332 to display a settlement method, transaction details, and the like. The input device 336 is, for example, an operation unit such as a touch panel or a numeric keypad formed on the screen of the display device 332, and is used by the user to select contents such as a settlement method and transaction products.

  In the storage device 338, based on identification information (confirmation information transmitted from the reader / writer 310) indicating whether or not the partner area 114 exists in the non-contact IC chip 110 of the mobile device 100, the preferential condition application / Preferential determination data for determining non-application is recorded. The storage device 338 records transaction details (for example, preferential price, point grant rate, etc.) when preferential conditions are applied. Furthermore, preferential information such as partner information obtained from the reader / writer 310 is recorded in the storage device 338.

  Therefore, the transaction function providing unit 334 refers to the information in the storage device 338 and determines the transaction conditions and the like to be displayed on the display device 332. The reader / writer drive control unit 340 is a means for acquiring information from the non-contact IC chip 110 of the portable device 100 by performing drive control including transmission control of a polling command or the like by the reader / writer 310. The transaction function providing unit 334 and the reader / writer drive control unit 340 are realized by, for example, the arithmetic processing function of the CPU 702 in the hardware configuration shown in FIG. The input device 336 is realized by the function of the input unit 716 in the hardware configuration of FIG. Furthermore, the storage device 338 is realized by the storage unit 720, the removable storage medium 728, or the like in the hardware configuration illustrated in FIG.

  The system configuration of the payment processing system 1000 according to the present embodiment, the functional configuration of each component, and each process of the payment processing method according to the present embodiment have been described in detail. As described above, regarding electronic transactions using the non-contact IC chip 110 mounted on the portable device 100, the user can make a payment even in the post-payment payment method using the member information of the payment card 20 registered in the non-contact IC chip 110. It becomes possible to enjoy the special benefit given to the card 20.

  In order to obtain this effect, the present embodiment has proposed a method of holding partner member identification information (area for each partner, partner partner member information) in the non-contact IC chip 110. By using this method, when the portable device 100 is deceived by the reader / writer 310, the offline processing (local processing) of only the device (payment terminal 330) to which the reader / writer 310 is connected is favored by the user. It becomes possible to provide the transaction contents of the condition.

  As a result, for example, even when only member information associated with a partner credit card such as a magnetic card or an IC card is registered in the non-contact IC chip 110, the user can receive a special service quickly. Become. On the other hand, as a partner that provides special benefits, it is not necessary to hold, for example, credit card information and member information in the payment terminal 330. Naturally, these information are collated to determine special members. There is no need. Therefore, a speedy response to the user is realized. Further, because of the local processing, no communication processing occurs when discriminating the preferential members, and no delay due to the communication processing occurs.

  In addition, since the payment operator area 112 and the partner area 114 are individually prepared in the non-contact IC chip 110 mounted on the portable device 100, even an operator who has already developed a payment business. The service can be provided without changing the configuration of the memory format of the non-contact IC chip 110. Furthermore, theoretically, there is no need to set an upper limit on the number of partners, and high scalability is realized. However, the upper limit of the number of partners is determined depending on the upper limit of the assigned code value.

  Note that the configuration shown in the description of the present embodiment is merely an example, but this configuration has an advantage of being easy to introduce because it is configured so as not to modify the current electronic payment scheme. In particular, the application for mobile devices for electronic payment is not remodeled, but another application for mobile devices for partner companies is used, the area of the non-contact IC chip 110, and the application for area access Is advantageous for the above-described configuration.

[Hardware configuration]
The function of each component included in the device, device, or system can be realized by, for example, an information processing device having a hardware configuration illustrated in FIG. 12 using a computer program for realizing the above function. It is. FIG. 12 is an explanatory diagram illustrating a hardware configuration of an information processing apparatus capable of realizing the functions of each component of the apparatus.

  As shown in FIG. 12, the information processing apparatus mainly includes a CPU (Central Processing Unit) 702, a ROM (Read Only Memory) 704, a RAM (Random Access Memory) 706, a host bus 708, and a bridge. 710, an external bus 712, an interface 714, an input unit 716, an output unit 718, a storage unit 720, a drive 722, a connection port 724, and a communication unit 726.

  The CPU 702 functions as, for example, an arithmetic processing unit or a control unit, and controls all or part of the operation of each component based on various programs recorded in the ROM 704, RAM 706, storage unit 720, or removable recording medium 728. . The ROM 704 stores, for example, a program read by the CPU 702 and data used for calculation. The RAM 706 temporarily or permanently stores, for example, a program read by the CPU 702 and various parameters that change as appropriate when the program is executed. These components are connected to each other by, for example, a host bus 708 capable of high-speed data transmission. The host bus 708 is connected to an external bus 712 having a relatively low data transmission speed via a bridge 710, for example.

  The input unit 716 is an operation unit such as a mouse, a keyboard, a touch panel, a button, a switch, and a lever. The input unit 716 may be remote control means (so-called remote controller) capable of transmitting a control signal using infrared rays or other radio waves. Note that the input unit 716 includes an input control circuit for transmitting information input using the above-described operation means to the CPU 702 as an input signal.

  The output unit 718 includes, for example, a display device such as a CRT (Cathode Ray Tube), an LCD (Liquid Crystal Display), a PDP (Plasma Display Panel), or an ELD (Electro-Luminescence Display), an audio device such as a speaker, a headphone, etc. It is a device capable of visually or audibly notifying acquired information to a user, such as a mobile phone or a facsimile.

  The storage unit 720 is a device for storing various types of data, and includes, for example, a magnetic storage device such as a hard disk drive (HDD), a semiconductor storage device, an optical storage device, or a magneto-optical storage device. Is done.

  The drive 722 is a device that reads information recorded on a removable recording medium 728 such as a magnetic disk, an optical disk, a magneto-optical disk, or a semiconductor memory, or writes information to the removable recording medium 728. The removable recording medium 728 is, for example, a DVD medium, a Blu-ray medium, an HD-DVD medium, a compact flash (CF) (registered trademark), a memory stick, or an SD memory card (Secure Digital memory card). The removable recording medium 728 may be, for example, an IC card (Integrated Circuit Card) on which a non-contact IC chip is mounted, an electronic device, or the like.

  The connection port 724 is a port for connecting an external connection device 730 such as a USB (Universal Serial Bus) port, an IEEE 1374 port, a SCSI (Small Computer System Interface), an RS-232C port, or an optical audio terminal. is there. The external connection device 730 is, for example, a printer, a portable music player, a digital camera, a digital video camera, or an IC recorder.

  The communication unit 726 is a communication device for connecting to the network 732. For example, a communication card for wired or wireless LAN (Local Area Network), Bluetooth (registered trademark), or WUSB (Wireless USB), optical communication A router, a router for ADSL (Asymmetric Digital Subscriber Line), or a modem for various communications. The network 732 connected to the communication unit 726 is configured by a wired or wireless network. For example, the Internet, home LAN, infrared communication, visible light communication, human body communication, broadcasting, or satellite communication is used. is there.

[Circuit Configuration of Non-Contact IC Chip 110]
Here, the circuit configuration of the non-contact IC chip 110 will be briefly described with reference to FIG. FIG. 13 is an explanatory diagram illustrating an example of a circuit configuration of the non-contact IC chip 110. As shown in FIG. 13, the non-contact IC chip 110 includes, for example, an antenna 802, a front end circuit 804, a modulator 806, a command regenerator 808, a clock regenerator 810, a control circuit 812, and an encryption. A circuit 814 and a memory 816 are included.

  The antenna 802 is configured by a loop antenna, and can receive a command and power by being magnetically coupled to the loop antenna included in the reader / writer 310. The front end circuit 804 rectifies the carrier wave sent from the reader / writer 310 to regenerate the DC power supply. The front-end circuit 804 divides the acquired 13.56 MHz carrier wave and inputs it to the command regenerator 808 and the clock regenerator 810.

  The command regenerator 808 reproduces a command from the input carrier wave and inputs it to the control circuit 812. The clock regenerator 810 regenerates a clock for driving the logic circuit from the input carrier wave and inputs it to the control circuit 812. The front end circuit 804 supplies the regenerated power to the control circuit 812 (CPU).

  When power is supplied to all the circuits, the control circuit 812 drives each circuit in accordance with the reproduced command. Note that the data output from the control circuit 812 is encrypted by the encryption circuit 814 and stored in the memory 816. Note that the memory 816 may be a storage device that records information magnetically, optically, or magneto-optically, or a semiconductor storage device such as a ROM (Read Only Memory) or a RAM (Random Access Memory). It may be.

  On the other hand, when transmitting the encrypted data stored in the memory 816, the front-end circuit 804 changes the load impedance at the feeding point of the antenna 802 based on the encrypted data modulated by the modulator 806, The change causes the magnetic field induced by the antenna 802 to change. This magnetic field change induces a change in current flowing through the antenna of the reader / writer 310 that is magnetically coupled, and the encrypted data is transmitted.

[Circuit configuration of reader / rider 310]
Next, the circuit configuration of the reader / writer 310 will be briefly described with reference to FIG. FIG. 14 is an explanatory diagram illustrating an example of a circuit configuration of the reader / writer 310. As shown in FIG. 14, the reader / writer 310 includes, for example, an antenna 902, a filter 932, a reception amplifier 934, a frequency converter 936, a discriminator 938, a logic circuit 940, a control circuit 912, and a memory. 916, a modulator 946, a local oscillator 950, and a transmission amplifier 948.

  The reader / rider 310 supplies commands and power using magnetic coupling with a non-contact IC card or the like. This reader / rider 310 starts communication by supplying power to the non-contact IC chip 110 under the control of the control unit 912 (CPU), and then starting communication according to a predetermined transmission protocol. At this time, the reader / rider 310 performs communication connection establishment, anti-collision processing, authentication processing, and the like.

  The reader / rider 310 generates a carrier wave using the local oscillator 950. When transmitting information, first, the control circuit 912 reads data from the memory 916 and transmits the data to the logic circuit 940. The modulator 946 modulates the carrier wave generated by the local oscillator 950 based on the signal output from the logic circuit 940. Further, the transmission amplifier 948 amplifies the modulated wave output from the modulator 946 and transmits it via the antenna 902.

  On the other hand, when information is received, first, a modulated wave received via the antenna 902 is input to the reception amplifier 934 after passing through the filter 932. The signal amplified by the reception amplifier 934 is frequency-converted by the frequency converter 936 and input to the logic circuit 940. Further, the signal output from the logic circuit 940 is recorded in the memory 916 by the control circuit 912.

  As mentioned above, although preferred embodiment of this invention was described referring an accompanying drawing, it cannot be overemphasized that this invention is not limited to the example which concerns. It will be apparent to those skilled in the art that various changes and modifications can be made within the scope of the claims, and these are naturally within the technical scope of the present invention. Understood.

It is explanatory drawing which shows the structural example of the payment processing system which concerns on one Embodiment of this invention. It is explanatory drawing which shows the recording structure of the non-contact IC chip concerning the embodiment. It is explanatory drawing which shows the structure of the registration function of the payment operator area which concerns on the embodiment. It is explanatory drawing which shows the structure of the registration function of the partner area which concerns on the embodiment. It is explanatory drawing which shows the function structure at the time of the electronic payment use based on the embodiment. It is explanatory drawing which shows the flow of the payment provider area registration method which concerns on the embodiment. It is explanatory drawing which shows the flow of the partner area registration method which concerns on the embodiment. It is explanatory drawing which shows the flow of the electronic payment utilization method which concerns on the embodiment. It is explanatory drawing which shows the function structural example of the portable apparatus which concerns on the same embodiment. It is explanatory drawing which shows the function structural example of the settlement operator system which concerns on the embodiment. It is explanatory drawing which shows the function structure by the side of the payment terminal which concerns on the embodiment. FIG. 3 is an explanatory diagram illustrating a hardware configuration example of each device according to the embodiment. It is explanatory drawing which shows the structural example of the non-contact IC chip which concerns on the same embodiment. It is explanatory drawing which shows the structural example of the reader / rider which concerns on the same embodiment.

Explanation of symbols

1000 Payment processing system 100 Mobile device 110 Non-contact IC chip 112 Payment company area 114 Partner area 132 Program for payment company (area access application)
134 Partner Program (Area Access Application)
134a Member information reading function 134b Preferential authentication request function 134c Preferential information registration function 140 Non-contact communication unit 152 Display screen 154 Terminal control application 172 Network communication control unit 174 Non-contact IC chip control unit 200 Settlement operator system 202, 208, 254 Storage device 204 Area issuance system 204a Business area issuance section 204b Partner area issuance section 204c Settlement business area reading / writing section 204d Partner area reading / writing section 206 Core system (member information management system)
206a Member Information Issuing Unit 206b Card Information / Member Information Linking Unit 206c Preferential Member Authentication Unit 206d Preferential Member Information Issuing Unit 210 Network Communication Unit 252 Application Providing System 300 Partner System 310 Reader / Lidar 312 Payment Business Operator Application 314 Partner Application 316 Communication unit 318 Non-contact IC chip 330 Payment terminal 332 Display device 334 Transaction function providing unit 336 Input device 338 Storage device (preferential determination data)
340 Reader / rider drive controller

Claims (6)

A first storage area in which user information issued by an issuer of the payment card is stored with respect to a payment card with preferential conditions in which transaction conditions are preferentially used when used with a predetermined trading partner; A user of the first storage area is subjected to access authentication for the first and second storage areas for a non-contact IC chip provided with a second storage area for storing preferential user information issued by a trading partner. A payment terminal connected to a reader / writer for reading information and preferential user information in the second storage area,
A determination unit that determines that the payment card is a payment card with preferential conditions when the reader / writer confirms the presence of the second storage area;
A condition presenting unit that presents to the user transaction conditions to which the preferential conditions are applied when the determination unit determines that the payment card has the preferential conditions;
A payment terminal, comprising: After the transaction condition is presented by the condition presentation unit and the transaction content and the payment method are specified by the user, the payment processing request for requesting the payment processing of the transaction is sent to the reader / writer. A payment processing request transmission unit for controlling transmission to a non-contact IC chip;
A preferential treatment for acquiring the preferential user information from the reader / writer after the communication between the non-contact IC chip and the reader / writer is completed after receiving the payment processing result returned in response to the payment processing request. A user information acquisition unit;
Further comprising
The preferential user information acquired by the preferential user information acquisition unit is stored together with the transaction result and the user information, and transmitted to a basic system that executes a payment process of the payment card, The payment terminal according to claim 1. The first storage area stores first association information associated with card specifying information for specifying the payment card as the user information,
The second storage area is
For the backbone system that holds the second association information that associates the card specifying information with the preferential user information and provides the preferential user information using the first and second association information,
By an information processing device equipped with the non-contact IC chip,
The preferential treatment provided from the backbone system according to the first association information is read out and transmitted to the backbone system, the first association information stored in the first storage area of the contactless IC chip After the user information is acquired and the preferential user information is provided to the area issuing system for generating the storage area in the non-contact IC chip and the generation of the second storage area is requested, the area issuing system The settlement terminal according to claim 2, wherein the preferential user information is generated and stored. An information processing apparatus equipped with a non-contact IC chip storing information on a payment card with a preferential condition in which the transaction condition is preferential when used with a predetermined trading partner, and the information processing apparatus is controlled. An area issuing system for generating a storage area in which the information is stored in the non-contact IC chip, a reader / writer for reading the information stored in the non-contact IC chip by non-contact communication, and the reader / writer A payment processing system comprising: a payment terminal that obtains the read information and presents the transaction conditions to the user according to the information;
The non-contact IC card is
A storage unit having a first storage area in which user information of the payment card is stored;
The area issuing system is
An area generation unit that controls the information processing apparatus to generate a second storage area corresponding to the predetermined trading partner in the storage unit of the non-contact IC card;
With
The reader / writer is
An area determination unit that determines whether or not the second storage area exists in a storage unit of a non-contact IC chip mounted on the information processing apparatus using non-contact communication;
A notification unit for notifying the settlement terminal of a determination result by the region determination unit;
With
The payment terminal is
A determination unit that determines whether or not the payment card is a payment card with a preferential condition for the predetermined trading partner according to the determination result acquired from the reader / writer;
A condition presenting unit that presents to the user transaction conditions to which the preferential conditions are applied when the payment card has preferential conditions by the determination unit;
A payment processing system comprising: The area issuing system further includes a preferential user information storage unit that stores preferential user information issued from the predetermined trading partner in the second storage area,
The reader / writer is
An authentication unit for performing access authentication for accessing the storage unit of the non-contact IC chip;
A user information reading unit that reads user information of the first storage area provided in the storage unit of the non-contact IC chip and preferential user information of the second storage area when access authentication is successful by the authentication unit;
Further comprising
The notification unit notifies the settlement terminal of the user information, the preferential user information, and a determination result by the area determination unit,
The settlement terminal further includes a recording unit that records the transaction result, the user information, and the preferential user information when a transaction is established under the transaction conditions presented by the condition presenting unit,
5. The settlement process according to claim 4, wherein the transaction result, user information, and preferential user information recorded in the recording unit are transmitted to a backbone system that executes a settlement process of the settlement card. system. A payment processing method for a payment card with a preferential condition in which the transaction condition is preferential when used with a predetermined trading partner,
A step of providing a non-contact IC chip with a first storage area for storing user information issued by an issuer of the payment card and a second storage area for storing preferential user information issued by the predetermined trading partner. When,
The user information in the first storage area and the preferential user information in the second storage area are obtained through access authentication to the first and second storage areas by a reader / writer for reading information of the non-contact IC chip. A step to be read;
The settlement terminal connected to the reader / writer confirms the presence / absence of the second storage area by the reader / writer;
Determining by the payment terminal that the payment card is a payment card with preferential conditions when the second storage area exists;
When the payment terminal determines that the payment card has the preferential conditions, the transaction conditions to which the preferential conditions are applied are presented to the user;
A settlement processing method, comprising:

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