JP2009276838A - Information processing system, information processor, transaction processing method, transaction information processing method and transaction information processing program - Google Patents

Information processing system, information processor, transaction processing method, transaction information processing method and transaction information processing program Download PDF

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Publication number
JP2009276838A
JP2009276838A JP2008124926A JP2008124926A JP2009276838A JP 2009276838 A JP2009276838 A JP 2009276838A JP 2008124926 A JP2008124926 A JP 2008124926A JP 2008124926 A JP2008124926 A JP 2008124926A JP 2009276838 A JP2009276838 A JP 2009276838A
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Prior art keywords
information
transaction
display
screen
processing
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JP2008124926A
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Japanese (ja)
Inventor
Takeshi Kitamura
猛 北村
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Nec Corp
日本電気株式会社
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Priority to JP2008124926A priority Critical patent/JP2009276838A/en
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Abstract

<P>PROBLEM TO BE SOLVED: To provide an information processing system for facilitating transaction processing without error. <P>SOLUTION: This information processing system is provided with a portable information terminal having a display part and an ATM 100 for reading screen information. The portable information terminal is provided with an input key for accepting transaction information and a display function for displaying the transaction information on a display part as screen information, and for encrypting and displaying the screen information by using a public key acquired by a camera. An ATM 100 is provided with: an encryption key generation part 110 for generating a public key and a secret key as a pair; a public key display part 120 for displaying an identifier of the public key as an image; an image reading part 130 for acquiring the encrypted screen information; an ATM information analyzing part 140 for decoding the encrypted image information with the secret key, and for displaying transaction information; an ATM information control part 150 for deciding whether or not the transaction information is correct; and a transaction processing part 160 for performing prescribed transaction. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to an information processing system, an information processing apparatus, a transaction processing method, a transaction information processing method, and a transaction information processing program.

  In recent years, with the advance of technology, IC (Integrated Circuit) cards that can add a wallet function to a mobile phone or can be paid as cash have become widespread.

  Recently, by using these mobile phones, IC cards, etc., it is possible to easily conduct transactions related to money such as buying and selling goods and various payments.

  However, in daily life, it is necessary to own cash, and transactions using cash are frequently performed every day.

  For this reason, in order to withdraw cash necessary for daily life, he goes to a bank ATM (Automatic Teller Machine) and conducts work to withdraw his own cash owned by the user.

  In this case, when the user arrives at the ATM of the bank, if it is a simple operation such as cash withdrawal or depositing, the transaction should be performed immediately by operating the touch sensor or the input key arranged on the ATM operation panel. Can do.

  On the other hand, for example, in the case of bank transfer work, it is necessary to input the bank name, branch name, and account number of the transfer destination.

  Further, for example, when making a product reservation at a convenience store or a CD (Compact disc) shop, it is necessary to input a payment method, a product name, a release date, a reservation number, a pick-up location, and the like.

  In particular, in the case of a transfer operation, the user selects from the options displayed on the ATM screen using a touch panel or an input key, so the transfer intended by the user can be made from a large number of bank names or a huge number of branch names. It was necessary to select a destination.

  For this reason, for example, Patent Document 1 or Patent Document 2 proposes that information of a bank account or a credit card can be input to a mobile phone in order to easily perform operations such as transfer work and merchandise sales.

Further, Patent Document 3 proposes a method in which a mobile phone is connected to a bank ATM server via the Internet using a login name and a password, and performs transactions by Internet banking.
JP 2002-064597 A JP 2004-164352 A JP 2007-25796A

  However, the technology related to the above-mentioned document description has room for improvement in the following points.

  First, in the related technologies described in Patent Documents 1 and 2, a bank account or a user-intended operation content is encoded using a certain barcode method or two-dimensional barcode method possessed by the mobile phone. It is like that.

  For this reason, once a certain bar code method or two-dimensional bar code method possessed by a mobile phone is decrypted, there is a risk that the transfer work or bank account for bank ATMs will be leaked to a third party. There is.

  Secondly, in the related technology described in Patent Document 3, the user connects to the network via the Internet, logs in to Internet banking, registers the transfer destination, etc., and then the transfer destination is encrypted, It is sent to the phone by e-mail.

  For this reason, in order to perform the transfer operation, the user has to bother to connect to the Internet, and to receive the encrypted transfer destination and the like via an electronic mail.

  The present invention has been made in view of the above circumstances, and an object of the present invention is to provide an information processing system, an information processing apparatus, and a transaction processing that can easily execute a transaction process using a mobile terminal that a user has without mistakes. A method, a transaction information processing method, and a transaction information processing program are provided.

According to the present invention, there is provided an information processing system including a portable terminal having a display screen and an information processing apparatus that reads screen information displayed on the display screen,
The portable terminal is
Input receiving means for receiving transaction information input by the user;
Screen display means for displaying the transaction information received by the input receiving means as the screen information on the display screen;
Public key acquisition means for acquiring the public key displayed by the public key display means of the information processing apparatus from the displayed image;
Encrypted display means for encrypting and displaying the screen information with the public key obtained by the public key obtaining means,
The information processing apparatus includes:
Key generation means for generating the public key and secret key to be paired;
The public key display means for displaying the public key generated by the key generation means as the image;
Screen information acquisition means for acquiring the encrypted screen information displayed on the display screen by the encrypted display means of the mobile terminal;
Decryption display means for decrypting the encrypted screen information obtained by the screen information obtaining means with the secret key and displaying the transaction information of the user;
Transaction information determination means for determining whether or not the decrypted transaction information displayed by the decryption display means is correct,
The transaction information determination means includes
Based on the transaction information displayed by the decryption display means, when there is a transaction history processed in the past, it is determined that the transaction information is correct, and the information processing apparatus performs predetermined transaction processing. An information processing system characterized by this is provided.

According to the present invention, an information processing apparatus for reading screen information displayed on a display screen,
A key generation means for generating a public key and a private key to be paired;
Public key display means for displaying the public key generated by the key generation means as an image;
Screen information acquisition means for acquiring the encrypted screen information displayed on the display screen by an external encryption display means;
Decryption display means for decrypting the encrypted screen information acquired by the screen information acquisition means with the secret key and displaying user transaction information;
Transaction information determination means for determining whether or not the decrypted transaction information displayed by the decryption display means is correct,
The transaction information determination means includes
Based on the transaction information displayed by the decryption display means, when there is a transaction history processed in the past, it is determined that the transaction information is correct, and the information processing apparatus performs predetermined transaction processing. An information processing apparatus characterized by this is provided.

According to the present invention, there is provided a transaction processing method in an information processing system including a mobile terminal having a display screen and an information processing device that reads screen information displayed on the display screen,
An input receiving step in which the mobile terminal receives transaction information input by a user;
A screen display step in which the mobile terminal displays the transaction information received in the input reception step as the screen information on the display screen;
A key generation step in which the information processing apparatus generates a public key and a private key to be paired;
A public key display step in which the information processing apparatus displays the public key generated in the key generation step as an image;
A public key acquisition step in which the portable terminal acquires the public key displayed in the public key display step from the displayed image;
An encryption display step in which the mobile terminal performs encryption and display on the screen information with the public key acquired in the public key acquisition step;
A screen information acquisition step in which the information processing apparatus acquires the encrypted screen information displayed on the display screen in the encrypted display step;
The information processing apparatus decrypts the encrypted screen information acquired in the screen information acquisition step with the secret key, and displays the transaction information of the user; and
Transaction information determination step for determining whether or not the decrypted transaction information displayed in the decryption display step is correct by the information processing apparatus;
When there is a transaction history processed in the past in the transaction information determination step, the transaction information is determined to be correct and the information processing apparatus performs a predetermined transaction process,
The transaction processing method characterized by including is provided.

According to the present invention, there is provided a transaction information processing method in an information processing apparatus for reading screen information displayed on a display screen,
A key generation step of generating a paired public key and secret key;
A public key display step of displaying the public key generated in the key generation step as an image;
A screen information acquisition step for acquiring the encrypted screen information displayed on the display screen in an external encrypted display step;
Decrypting and displaying the user's transaction information by decrypting the encrypted screen information acquired in the screen information acquiring step with the secret key;
Transaction information determination step for determining whether or not the decrypted transaction information displayed in the decryption display step is correct;
When there is a transaction history processed in the past in the transaction information determination step, the transaction information is determined to be correct and the information processing apparatus performs a predetermined transaction process,
The transaction information processing method characterized by including is provided.

According to the present invention, there is provided a transaction information processing program in an information processing apparatus for reading screen information displayed on a display screen,
A key generation procedure for generating a paired public key and private key;
A public key display procedure for displaying the public key generated by the key generation procedure as an image;
A screen information acquisition procedure for acquiring the encrypted screen information displayed on the display screen by an external encrypted display procedure;
Decryption display procedure for decrypting the encrypted screen information acquired by the screen information acquisition procedure with the secret key and displaying user transaction information;
A transaction information determination procedure for determining whether or not the decrypted transaction information displayed by the decryption display procedure is correct,
The transaction information determination procedure includes:
Based on the transaction information displayed by the decryption display procedure, when there is a transaction history processed in the past, it is determined that the transaction information is correct, and the information processing apparatus performs a predetermined transaction process. There is provided a transaction information processing program characterized by causing a computer to execute the above.

  According to the present invention, there are provided an information processing system, an information processing device, a transaction processing method, a transaction information processing method, and a transaction information processing program that easily execute transaction processing using a portable terminal held by a user without mistakes. .

  Hereinafter, embodiments of the present invention will be described with reference to the drawings. In all the drawings, the same reference numerals are given to the same components, and the description will be omitted as appropriate.

  First, in this embodiment, a description will be given using the portable information terminal 1 shown in FIG. 1 and the ATM 100 shown in FIG.

  FIG. 1 is a schematic diagram showing a portable information terminal 1 according to the present embodiment.

  A portable information terminal 1 shown in FIG. 1 includes a built-in camera 2, a display unit 3, and input keys 4.

  FIG. 2 is a schematic diagram showing the ATM 100 according to the present embodiment.

  The ATM 100 shown in FIG. 2 is provided at a branch office or the like where a bank or a cash payment machine is installed, and displays an ATM operation panel 5 that accepts user operations, a camera 6, and main transactions and public keys 200. A section 7 and an input key 8 are provided.

  Therefore, the information processing system according to the present embodiment includes a portable information terminal (mobile terminal) 1 having a display unit (display screen) 3 and an ATM (information processing device) that reads screen information displayed on the display unit 3. 100 is formed.

  Moreover, the portable information terminal 1 shown in FIG. 1 displays the input information (input reception means) 4 which receives the transaction information input by the user, and the transaction information received by the input key 4 on the display unit 3 as screen information. At the same time, the display function (screen display means and encrypted display means) acquires the public key 200 displayed on the ATM 100 by the camera (public key acquisition means) 2 and encrypts and displays the screen information with the public key 200. And.

  2 is installed with various programs for appropriately operating the provided hardware, and the ATM 100 operates as follows according to the various programs.

  FIG. 3 shows a functional block diagram of the ATM 100.

  The functional block diagram of the ATM 100 shown in FIG. 3 includes an encryption key generation unit 110 (key generation unit) that generates a pair of public key 200 (FIG. 2) and a secret key (not shown), and an encryption key generation unit 110. The identifier of the public key 200 generated by the above is converted into a two-dimensional barcode, the two-dimensional barcode is displayed as an image, and the encryption displayed on the display unit 3 of the portable information terminal 1 is displayed. An image reading unit (screen information acquisition unit) 130 that acquires the converted screen information, and the encrypted image information acquired by the image reading unit 130 is decrypted by a secret key (not shown) An ATM information analysis unit (decoding display means) 140 for displaying transaction information, and an ATM information control unit (transaction information determination) for determining whether the transaction information displayed by the ATM information analysis unit 140 is correct. And stage) 150, and a transaction processing unit 160 that executes a predetermined transaction when it is determined to be correct by the ATM information control unit 150.

  Thereby, based on the transaction information displayed by the ATM information analysis unit 140, the ATM information control unit 150 determines that the transaction information is correct when there is a transaction history processed in the past, and the transaction processing unit 160 can perform predetermined transaction processing.

  Further, based on the transaction information displayed by the ATM information analysis unit 140, the ATM information control unit 150 determines that the transaction information is not correct when there is no transaction history processed in the past, and the transaction processing unit 160. Can cancel the predetermined transaction processing, or can be added as new transaction information.

  In the present embodiment, the transaction processing unit 160 performs predetermined transaction processing when there is a transaction history in which transaction processing has been performed in the past. When it is determined that the transaction information is correct, the transaction processing unit 160 performs a predetermined transaction process.

  And the transaction processing part 160 accesses the server of the center which is not illustrated via the network connected to ATM100, and the transaction process which a user predetermined | prescribed is performed.

  The two-dimensional bar code described above may be, for example, a QR (Quick Response) code (registered trademark), but the present embodiment is not limited to this, and any mode that can display a public key may be used.

  Next, the hardware block diagram which comprises the portable information terminal 1 is shown in FIG.

  The portable information terminal 1 shown in FIG. 4 includes a CPU (Central Processing Unit) 12 connected to various peripheral modules via a bus 18 while performing overall control of the overall operation of the portable information terminal 1.

  The portable information terminal 1 includes a button 10, a button I / F (Interface) 11, an external display module 13, a ROM (Read Only Memory) 14, a RAM (Random Access Memory) 15, and a camera module 16. And a wireless module 17.

  The button 10 corresponds to the input key 4 shown in FIG. 1 and is a part that is input by a user's pressing operation.

  The button I / F 11 is a man-machine interface input circuit that detects that the button 10 is pressed and acquires the pressed state.

  The external display module 13 includes a display unit such as an LCD (Liquid Crystal Display) panel that performs display on the outside, a control IC that outputs a video signal to the display unit, and the like. The display unit 3 illustrated in FIG. It corresponds to.

  The ROM 14 is a read-only memory in which various control programs executed by the CPU 12 are stored.

  The RAM 15 is a memory that temporarily stores data necessary for execution by the CPU 12, images taken by the camera module, user data, and the like, which can be written and read at any time.

  Note that transaction information input by the user is stored in the RAM 15 and is stored cumulatively in the RAM 15 each time transaction information is input.

  The camera module 16 includes an optical unit that converts light such as a lens and a diaphragm into an electric signal, an image pickup device such as a CCD (Charge Coupled Device) / CMOS (Complementary Metal Oxide Semiconductor), a mechanism such as a shutter, and a controller. This corresponds to the camera 2 shown in FIG.

  The wireless module 17 is provided for exchanging data with an external device via wireless communication. In this embodiment, communication with the ATM 100 can be performed.

  Next, a hardware block diagram constituting the ATM 100 is shown in FIG.

  The ATM 100 shown in FIG. 5 includes a CPU 32 that controls the overall operation of the ATM 100 and is connected to various peripheral modules via a bus 39.

  The ATM 100 includes a button 30, a button I / F 31, an external display module 33, a ROM 34, a RAM 35, a camera module 36, a wireless module 37, and a network card 38.

  The button 30 corresponds to the touch panel or the input key 8 of the display unit 7 shown in FIG. 2, and is a unit that is input by a user's pressing operation.

  The button I / F 31 is a man-machine interface input circuit that detects that the button 30 is pressed by the touch panel or the input key 8 of the display unit 7 and acquires the pressed state.

  The external display module 33 includes a display unit such as an LCD panel that performs display to the outside, a control IC that outputs a video signal to the display unit, and the like, and corresponds to the display unit 7 illustrated in FIG.

  The ROM 34 is a read-only memory in which various control programs executed by the CPU 32 are stored.

  The RAM 35 is a memory that temporarily stores data necessary for execution by the CPU 32, images taken by the camera module, user data, and the like, which can be written and read at any time.

  Note that the data acquired from the user is stored in the RAM 35 if it is transaction information, and is cumulatively stored in the RAM 35 as a transaction history each time the ATM 100 acquires the transaction information.

  The camera module 36 includes an optical unit that converts light such as a lens and a diaphragm into an electrical signal, an image sensor such as a CCD / CMOS, a mechanism such as a shutter, and a controller, and corresponds to the camera 6 shown in FIG. To do.

  The wireless module 37 is provided for exchanging data with an external device wirelessly. Further, in the present embodiment, communication with the portable information terminal 1 can be performed.

  The network card 38 accesses a server (not shown) of a center (not shown) provided outside the ATM 100 via a network connected to the network card 38.

  Next, the overall operation of the information processing system according to the present embodiment will be described using a sequence diagram.

  FIG. 6 is a sequence diagram showing the overall operation of the information processing system.

  First, the user having the portable information terminal 1 operates the button 10 of the portable information terminal 1 to display, for example, rent and transfer destination information for paying the rent, and product information and payment information associated with product purchase. The information is input as information to be transferred to the ATM 100 (hereinafter referred to as ATM input information) and input in advance to the portable information terminal 1 (step S01).

  Thereby, the user having the portable information terminal 1 can store the ATM input information in the RAM 15 of the portable information terminal 1.

  And a user goes to the installation place where ATM100 is installed, selects the transfer place registered into the portable information terminal 1, and displays the transfer place on the display part 3 (step S03).

  When the user operates the display unit 7 of the ATM 100 and selects “screen information transfer by the camera 6” (not shown) of the ATM 100, the CPU 32 of the ATM 100 activates the camera module 36 (step S05).

  In this case, the CPU 32 of the ATM 100 activates the camera module 36, the encryption key generation unit 110 generates the public key 200, and the public key display unit 120 converts the identifier of the public key 200 into, for example, a two-dimensional barcode. And it displays on the display part 7 (step S07).

  Then, the user faces the camera 2 of the portable information terminal 1 to the display unit 7 of the ATM 100 and operates the button 10, whereby the portable information terminal 1 is displayed on the public key 200 displayed with a two-dimensional barcode. Get an identifier.

  The portable information terminal 1 acquires the identifier of the public key 200 displayed by the two-dimensional barcode from the image displayed on the display unit 7 and stores the identifier of the public key 200 in the RAM 15.

  Then, the CPU 12 extracts the public key 200 from the stored identifier of the public key 200, and performs encryption processing on the ATM input information displayed on the display unit 3 using the public key 200.

  Then, the CPU 12 converts the encrypted ATM input information into, for example, a two-dimensional barcode and displays it on the display unit 3 using the external display module 13.

  As described above, the portable information terminal 1 can encrypt the ATM input information with the public key 200 and convert the ATM input information into a two-dimensional barcode, and display the encrypted ATM input information on the display unit 3.

  Then, the user causes the display unit 3 of the portable information terminal 1 to face the camera 100 of the ATM 100 and causes the camera 6 of the ATM 100 to read the encrypted ATM input information.

  The ATM 100 captures the encrypted two-dimensional barcode image displayed on the display unit 3 of the portable information terminal 1 from the image reading unit 130 by the camera 6 and writes it in the RAM 35 (step S09).

  In the ATM 100, the ATM information analysis unit 140 decrypts the encrypted ATM input information written in the RAM 35 using a secret key (not shown) generated by the encryption key generation unit 110. (Step S11).

  Then, the ATM 100 can display the ATM deposit information decrypted by the ATM information analysis unit 140 on the display unit 7 (step S13).

  Then, the user confirms the display screen displayed on the display unit 7 of the ATM 100 and presses a button to execute the transaction process with the confirmed transaction information, so that the ATM information control unit 150 has the correct transaction information. And the transaction processing unit 160 executes transaction processing (step S15).

  In the present embodiment, in the second and subsequent transaction processing, when there is a transaction history processed in the past in the ATM 100, it is determined that the transaction information is correct, and the transaction processing unit 160 has a predetermined transaction history. Transaction processing is performed.

  In this case, the transaction history may be determined that the transaction information is correct by at least one of the transfer destination, the transfer amount, and the transfer date. Also good.

  Thus, the CPU 32 accesses a server (not shown) of a center (not shown) via a network connected to the network card 38, and executes a predetermined transaction process of the user.

  Then, the ATM 100 transmits a request for deleting the public key 200 sent via the display unit 7 to the portable information terminal 1 (this is called a public key deletion request) (step S17). .

  When the portable information terminal 1 receives this public key deletion request by the wireless module 17, it deletes the public key 200 acquired from the ATM 100 (step S19) and ends the present embodiment.

  In the present embodiment, communication is performed via the wireless module 17 and the wireless module 37. However, the present embodiment is not limited to this, and the public key deletion request is sent to the display unit 7. And the display unit 3 may be used via screen display.

  Next, the single operation of ATM 100 in the information processing system according to the present embodiment will be described using a flowchart.

  It should be noted that the same processing steps are assigned to the same processing, and description of those steps is omitted.

  FIG. 7 is a flowchart showing the single operation of ATM 100 according to the present embodiment.

  The difference from the sequence diagram shown in FIG. 6 is four steps of step S21, step S23, step S25, and step S27.

  In step S21 of FIG. 7, the camera module 36 is activated (step S05), and the encryption key generation unit 110 generates the public key 200.

  In step S23, after the encryption key generation unit 110 generates the public key 200, the identifier of the public key 200 is converted into a two-dimensional barcode, and the external display module 33 displays the two-dimensional barcode on the display unit 7 of the ATM 100. indicate.

  Thereby, the ATM 100 can display the public key 200 on the portable information terminal 1.

  In step S <b> 25, the ATM 100 uses the camera 6 to obtain encrypted ATM input information displayed on the display unit 3 of the portable information terminal 1. As described above, in the ATM 100, by using the camera 6, the image reading unit 130 can acquire a display image.

  In step S27, the ATM 100 awaits confirmation for performing transaction processing from the user, and in the first transaction processing, the user confirms the display unit 7 of the ATM 100, for example, “transaction information has this content. Confirm the transaction details with a message such as "Is it OK?"

  Then, for example, when the user presses a button such as “perform transaction” (YES in step S27), the ATM information control unit 150 determines that the transaction information is correct.

  In the present embodiment, in the second and subsequent transactions, the transaction history that has been processed in the past is referred to. If there is a transaction history (YES in step S27), the transaction information is correct. The transaction processing unit 160 can perform predetermined transaction processing.

  On the other hand, even for the second and subsequent transactions, the transaction history that has been processed in the past is referred to. If there is no transaction history (NO in step S27), it is determined that the transaction information is not correct, and step S21 It will return to.

  Thus, in this embodiment, the ATM 100 generates the public key 200 on the spot, displays the identifier of the public key 200 on the screen, and the user captures the identifier with the camera 2 of the portable information terminal 1. It is like that.

  As a result, in this embodiment, the portable information terminal 1 encrypts the ATM input information using the public key 200, and the camera 6 of the ATM 100 takes in the encrypted ATM input information. Therefore, the user can dramatically improve confidentiality simply by performing a simple operation.

  As described above, according to the present embodiment, the portable information terminal 1 encrypts the ATM input information using the public key 200, and the camera 6 of the ATM 100 captures the encrypted ATM input information. As a result, the user can easily perform transaction processing without any mistakes by performing simple operations.

  Further, according to the present embodiment, the information processing system can improve confidentiality because the ATM 100 generates the public key 200 and performs encryption and decryption based on the public key 200. .

  As mentioned above, although embodiment of this invention was described with reference to drawings, these are the illustrations of this invention, Various structures other than the above are also employable.

  Here, an example displayed on the display unit 7 of the ATM 100 is shown in the figure.

  FIG. 8 is an example of ATM input information displayed on the display unit 7 of the ATM 100 according to the present embodiment.

  FIG. 8 shows ATM input information displayed on the display unit 7 of the ATM 100 and input by the user to the portable information terminal 1.

  The ATM input information in FIG. 8 is stored in the user's portable information terminal 1 and is, for example, ATM input information such as payment by purchase of goods, fixed amount revolving payment to be paid monthly, or payment of rent.

  In this case, for example, the transaction processing is performed periodically and continuously with the fixed date or payment of a certain amount of money as a transaction condition, and the decryption process is repeatedly performed periodically. If they match, the transaction information may be automatically determined to be correct.

  In addition, the ATM input information in the present embodiment is not limited to information input by the user, and may be acquired from, for example, an e-mail or an attached file, or a transfer destination is acquired from a two-dimensional barcode such as a QR code. You may do it.

  In the present embodiment, the public key 200 is displayed by the identifier on the display unit 7 of the ATM 100. However, the present embodiment is not limited to this, and for example, the wireless module 17 and the wireless module 37 are used. May be communicable by infrared communication, and the ATM 100 may transmit the public key 200.

  In this case, since the portable information terminal 1 performs infrared communication with the ATM 100, the public key 200 can be received in the vicinity of the ATM 100, and the security can be further improved.

It is the schematic which showed the portable information terminal which concerns on this Embodiment. It is the schematic which showed ATM which concerns on this Embodiment. It is a functional block diagram of ATM which concerns on this Embodiment. It is a hardware block diagram of the portable information terminal which concerns on this Embodiment. It is a hardware block diagram of ATM which concerns on this Embodiment. It is a sequence diagram which shows the whole operation | movement of the information processing system which concerns on this Embodiment. It is a flowchart which shows the single operation | movement of ATM which concerns on this Embodiment. It is an example of the ATM input information displayed on the display part of ATM which concerns on this Embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Portable information terminal 2 Camera 3 Display part 4 Input key 5 ATM operation panel 6 Camera 7 Display part 8 Input key 10 Button 11 Button I / F
12 CPU
13 External display module 14 ROM
15 RAM
16 Camera module 17 Wireless module 18 Bus 30 Button 31 Button I / F
32 CPU
33 External display module 34 ROM
35 RAM
36 Camera module 37 Wireless module 38 Network card 39 Bus 100 ATM
110 Encryption Key Generation Unit 120 Public Key Display Unit 130 Image Reading Unit 140 ATM Information Analysis Unit 150 ATM Information Control Unit 160 Transaction Processing Unit 200 Public Key

Claims (15)

  1. An information processing system comprising a portable terminal having a display screen, and an information processing device for reading screen information displayed on the display screen,
    The portable terminal is
    Input receiving means for receiving transaction information input by the user;
    Screen display means for displaying the transaction information received by the input receiving means as the screen information on the display screen;
    Public key acquisition means for acquiring the public key displayed by the public key display means of the information processing apparatus from the displayed image;
    Encrypted display means for encrypting and displaying the screen information with the public key obtained by the public key obtaining means,
    The information processing apparatus includes:
    Key generation means for generating the public key and secret key to be paired;
    The public key display means for displaying the public key generated by the key generation means as the image;
    Screen information acquisition means for acquiring the encrypted screen information displayed on the display screen by the encrypted display means of the mobile terminal;
    Decryption display means for decrypting the encrypted screen information obtained by the screen information obtaining means with the secret key and displaying the transaction information of the user;
    Transaction information determination means for determining whether or not the decrypted transaction information displayed by the decryption display means is correct,
    The transaction information determination means includes
    Based on the transaction information displayed by the decryption display means, when there is a transaction history processed in the past, it is determined that the transaction information is correct, and the information processing apparatus performs predetermined transaction processing. An information processing system characterized by this.
  2. The information processing apparatus includes:
    The information processing system according to claim 1, wherein the public key and the private key that are paired are generated each time the predetermined transaction process is performed.
  3. The screen information is
    Including bank details and bank transfer details,
    The predetermined transaction process is:
    The information processing system according to claim 1, wherein the information processing system is a bank transfer business.
  4. The screen information is
    Including product information and payment information when the user purchases the product,
    The predetermined transaction process is:
    The information processing system according to claim 1, wherein the information processing system is a settlement service when purchasing the product.
  5. The transaction information determination means includes
    When the transaction information is a fixed amount transaction including fixed amount revolving payment or rent payment, and the decryption by the secret key is performed periodically and continuously, the transaction information is automatically determined to be correct. The information processing system according to claim 1, further comprising an automatic determination unit.
  6. The portable terminal is
    A terminal communication means for communicating with the information processing apparatus;
    The information processing apparatus includes:
    Further comprising device communication means for communicating with the portable terminal;
    The information processing apparatus includes:
    When the transaction information is determined to be correct by the transaction information determination unit and the predetermined transaction process is performed, the device communication unit notifies the portable terminal that the predetermined transaction process has ended,
    The portable terminal is
    6. The public key used for encryption is deleted when the notification that the predetermined transaction processing is completed is received from the information processing apparatus by the apparatus communication means. The information processing system according to claim 1.
  7. An information processing apparatus for reading screen information displayed on a display screen,
    A key generation means for generating a public key and a private key to be paired;
    Public key display means for displaying the public key generated by the key generation means as an image;
    Screen information acquisition means for acquiring the encrypted screen information displayed on the display screen by an external encryption display means;
    Decryption display means for decrypting the encrypted screen information acquired by the screen information acquisition means with the secret key and displaying user transaction information;
    Transaction information determination means for determining whether or not the decrypted transaction information displayed by the decryption display means is correct,
    The transaction information determination means includes
    Based on the transaction information displayed by the decryption display means, when there is a transaction history processed in the past, it is determined that the transaction information is correct, and the information processing apparatus performs predetermined transaction processing. An information processing apparatus characterized by that.
  8. A transaction processing method in an information processing system comprising a mobile terminal having a display screen and an information processing device for reading screen information displayed on the display screen,
    An input receiving step in which the mobile terminal receives transaction information input by a user;
    A screen display step in which the mobile terminal displays the transaction information received in the input reception step as the screen information on the display screen;
    A key generation step in which the information processing apparatus generates a public key and a private key to be paired;
    A public key display step in which the information processing apparatus displays the public key generated in the key generation step as an image;
    A public key acquisition step in which the portable terminal acquires the public key displayed in the public key display step from the displayed image;
    An encryption display step in which the mobile terminal performs encryption and display on the screen information with the public key acquired in the public key acquisition step;
    A screen information acquisition step in which the information processing apparatus acquires the encrypted screen information displayed on the display screen in the encrypted display step;
    The information processing apparatus decrypts the encrypted screen information acquired in the screen information acquisition step with the secret key, and displays the transaction information of the user; and
    Transaction information determination step for determining whether or not the decrypted transaction information displayed in the decryption display step is correct by the information processing apparatus;
    When there is a transaction history processed in the past in the transaction information determination step, the transaction information is determined to be correct and the information processing apparatus performs a predetermined transaction process,
    The transaction processing method characterized by including.
  9. The information processing apparatus includes:
    The transaction processing method according to claim 8, wherein the public key and the secret key that are paired are generated each time the predetermined transaction processing is performed.
  10. The screen information is
    Including bank details and bank transfer details,
    The predetermined transaction process is:
    The transaction processing method according to claim 8 or 9, wherein the transaction processing is a bank transfer business.
  11. The screen information is
    Including product information and payment information when the user purchases the product,
    The predetermined transaction process is:
    The transaction processing method according to claim 8 or 9, wherein the transaction processing is a settlement operation when purchasing the product.
  12. The transaction information determination step includes:
    When the transaction information is a fixed amount transaction including fixed amount revolving payment or rent payment, and the decryption by the secret key is performed periodically and continuously, the transaction information is automatically determined to be correct. The transaction processing method according to claim 8, further comprising an automatic determination step.
  13. When the information processing apparatus determines that the transaction information is correct in the transaction information determination step and the predetermined transaction process is performed, the information processing apparatus notifies the portable terminal that the predetermined transaction process has ended. A communication step;
    Including a public key erasure step of erasing the public key used for encryption when the portable terminal receives a notification that the predetermined transaction processing is completed from the information processing device in the device communication step. The transaction processing method according to claim 8, wherein:
  14. A transaction information processing method in an information processing apparatus for reading screen information displayed on a display screen,
    A key generation step of generating a paired public key and secret key;
    A public key display step of displaying the public key generated in the key generation step as an image;
    A screen information acquisition step for acquiring the encrypted screen information displayed on the display screen in an external encrypted display step;
    Decrypting and displaying the user's transaction information by decrypting the encrypted screen information acquired in the screen information acquiring step with the secret key;
    Transaction information determination step for determining whether or not the decrypted transaction information displayed in the decryption display step is correct;
    When there is a transaction history processed in the past in the transaction information determination step, the transaction information is determined to be correct and the information processing apparatus performs a predetermined transaction process,
    The transaction information processing method characterized by including.
  15. A transaction information processing program in an information processing apparatus for reading screen information displayed on a display screen,
    A key generation procedure for generating a paired public key and private key;
    A public key display procedure for displaying the public key generated by the key generation procedure as an image;
    A screen information acquisition procedure for acquiring the encrypted screen information displayed on the display screen by an external encrypted display procedure;
    Decryption display procedure for decrypting the encrypted screen information acquired by the screen information acquisition procedure with the secret key and displaying user transaction information;
    A transaction information determination procedure for determining whether or not the decrypted transaction information displayed by the decryption display procedure is correct,
    The transaction information determination procedure includes:
    Based on the transaction information displayed by the decryption display procedure, when there is a transaction history processed in the past, it is determined that the transaction information is correct, and the information processing apparatus performs a predetermined transaction process. A transaction information processing program for causing a computer to execute the above.
JP2008124926A 2008-05-12 2008-05-12 Information processing system, information processor, transaction processing method, transaction information processing method and transaction information processing program Pending JP2009276838A (en)

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US9208482B2 (en) 2010-04-09 2015-12-08 Paypal, Inc. Transaction token issuing authorities
US9305295B2 (en) 2010-04-09 2016-04-05 Paypal, Inc. Payment processing methods and systems
US9400978B2 (en) 2010-04-09 2016-07-26 Paypal, Inc. Methods and systems for selecting accounts and offers in payment transactions
US10134031B2 (en) 2010-04-09 2018-11-20 Paypal, Inc. Transaction token issuing authorities
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US9811813B2 (en) 2010-04-09 2017-11-07 Paypal, Inc. Methods and systems for selecting accounts and offers in payment transactions
US9911120B2 (en) 2010-04-09 2018-03-06 Paypal, Inc. Mobile phone ATM processing methods and systems
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US10115088B2 (en) 2010-04-09 2018-10-30 Paypal, Inc. Methods and systems for selecting accounts and offers in payment transactions
US10134031B2 (en) 2010-04-09 2018-11-20 Paypal, Inc. Transaction token issuing authorities
US10304051B2 (en) 2010-04-09 2019-05-28 Paypal, Inc. NFC mobile wallet processing systems and methods
CN103282929A (en) * 2010-12-23 2013-09-04 佩蒂安特股份有限公司 Mobile phone atm processing methods and systems
JP2014508338A (en) * 2010-12-23 2014-04-03 ペイダイアント,インコーポレイテッド ATM processing method and system for mobile phone
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US10387862B2 (en) 2012-05-24 2019-08-20 Paypal, Inc. Methods and systems for wallet enrollment

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