JP2010277274A - Electronic settlement system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electronic settlement system that can be used by both a good customer and a general customer, there by suppressing a reduction in sales. <P>SOLUTION: The electronic settlement system includes: mobile recording media storing settlement information; and settlement devices each communicating with the mobile recording medium for settlement. The settlement device stores a settlement device ID. The mobile recording medium includes: a memory for registering the settlement device IDs of the settlement devices to the upper limit; and a control part determining whether to permit settlement based on the settlement device ID received from the settlement device. The control part collates the settlement device ID received from the settlement device and the settlement device ID stored in the memory in the settlement processing, permits the settlement when they accord, and permits the settlement after registering the settlement device ID into the memory when they do not accord and when the number of the settlement device IDs registered in the memory is less than the upper limit. <P>COPYRIGHT: (C)2011,JPO&INPIT

Description

  The present invention relates to an electronic payment system in which payment is performed electronically by communication between a payment device connected to a retail store or a vending machine and a portable recording medium storing payment information held by the customer. The present invention relates to a technique for suppressing a decrease in sales by using a portable recording medium that stores IDs of a plurality of settlement apparatuses that can be used.

  Conventionally, a settlement apparatus composed of a contactless IC card reader / writer connected to a retail store register or vending machine, and a portable recording medium composed of a contactless IC card storing settlement information including electronic money possessed by a customer. There is an electronic payment system in which payment is made by communication. For example, Patent Literature 1 discloses this technique.

  Further, in Patent Document 2, a customer who has a human body communication terminal that stores electronic money as a portable recording medium holds a hand over a payment device including a human body communication device mounted on a vending machine, thereby allowing human body communication. A technology for making a payment by communicating between a business device and a payment device is disclosed.

  Patent Document 3 discloses a payment system that uses a magnetic card in which payment information such as a card ID such as a credit card and payment information is stored. The card ID is registered in advance in a vending machine, and this identification is performed. A vending machine is disclosed in which a magnetic card possessed by a customer can be used only by a vending machine storing an ID.

  By applying the technology of Patent Document 3 as described above, mobile recording media (contactless IC cards, mobile phones, human body communication terminals, RF-IDs, etc.) on which payment information such as electronic money and card identification IDs are recorded and retail Electronic devices that perform payment processing based on payment information by communication with a payment device (non-contact IC card reader / writer, human body communication device, RF-ID reader / writer, etc.) connected to a register or vending machine installed in a store or the like In a payment system (a prepaid electronic payment using electronic money stored in a card or a postpaid electronic payment system using a card identification ID), an identification ID for identifying a portable recording medium in advance is assigned to a memory (or a payment apparatus) of the payment apparatus. Each time a payment is made, the payment device reads and authenticates the identification ID of the portable recording medium. Then, even if another person tries to use a portable recording medium illegally (so-called “spoofing”), which portable recording medium can be used with which payment device by the person who obtained the illegal portable recording medium? Because it does not understand, it becomes impossible to use easily.

JP 2004-30393 A JP 2004-145873 A JP-A-61-216095

However, as in the technique proposed in Patent Document 3, when a payment system of a method of registering an identification ID of a portable recording medium in a payment apparatus is operated and operated as a payment system capable of exhibiting an impersonation prevention effect, It is desirable to register with the payment device only once when the medium is issued. However, in a payment system in which the payment devices that can be used in advance are restricted, a recording medium owned by a general customer who has not registered an identification ID is used. Because the restrictions on the available payment devices are avoided by customers, the number of users of payment devices operated by the payment system does not increase, and the sales of vending machines and retail stores that support this payment system There is a risk that it will not increase.
In addition, when a payment system that can add a payment device that can be used after issuance of a portable storage medium is to be maintained and the impersonation deterrent effect is to be maintained, an identity verification process by a store clerk and a password are input to the payment device at the time of registration. Since processing is required and the clerk and customer take time to register, the clerk and customer may refrain from using this payment system.
Also, in the payment system of the method proposed in Patent Document 3, if the payment device breaks down and the user information recorded in the payment device disappears, even if the payment device is replaced, the previous payment device will be replaced. There is a problem that the customer who owns the registered portable storage medium cannot use it.
In order to solve the above-described problems, the present invention provides a payment device to be used on the portable recording medium side so that a customer can easily add a payment device that can be used even after acquisition of the portable recording medium. A means to store IDs and determine whether or not payment is possible. Recognize that the customer is a good customer, secure a good customer, and use both the good customer and the general customer. It aims at providing the payment system which suppresses a fall.

In view of the above problems, the invention described in claim 1 is a payment system including a portable recording medium storing payment information and a payment apparatus that performs payment processing by communicating with the portable recording medium,
The settlement apparatus stores a settlement apparatus ID that can identify the settlement apparatus,
The portable recording medium includes a memory capable of registering a payment device ID of the payment device up to a predetermined registration upper limit number and a control unit that determines whether payment is possible based on the payment device ID received from the payment device. ,
The control unit checks the payment device ID received from the payment device and the payment device ID stored in the memory at the time of the payment process, and permits the payment if they match, and registers in the memory if they do not match. When the number of settled payment device IDs is less than the registration upper limit number, the problem is solved by providing a payment system that permits payment after registering the payment device ID in the memory.

According to the present invention, it is possible to register up to the registration upper limit number of IDs of payment devices that the customer wants to use on a portable recording medium possessed by the customer, and to register the payment device ID at the time of payment processing. In addition, registration processing can be performed automatically at the time of payment, and the portable recording medium is provided with a means for determining whether payment is possible or not, so that customers can avoid using this payment system. The customer inevitably recognizes that the customer is a customer of the corresponding payment apparatus, and the payment apparatus side secures the customer. And the settlement apparatus side can suppress the decrease in the sales by both the customer and the general user.
Further, even if the payment device is out of order, the customer will not be unable to use it by replacing it with a new payment device assigned with the same payment device ID.

The block diagram which shows the structure of the payment system which concerns on embodiment of this invention. The sequence diagram of the payment process of the payment system shown in FIG. The flowchart explaining the settlement | permeability determination processing by the control part of the portable recording medium in the settlement system which concerns on embodiment of this invention.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. FIG. 1 is a block diagram showing a configuration of a payment system according to an embodiment of the present invention.

   The settlement system according to the embodiment of the present invention shown in FIG. 1 is a settlement apparatus comprising a portable storage medium comprising a contactless IC card 10 storing electronic money and a contactless IC card reader / writer 20 communicating with the contactless IC card 10. In this embodiment, the non-contact IC card reader / writer 20 is connected to the main control unit 30 of the vending machine.

   A non-contact IC card 10 in FIG. 1 includes a transmission / reception antenna 11 for performing wireless communication with a non-contact IC card reader / writer 20 having a transmission function and a reception function, and a non-contact IC card reader via the transmission / reception antenna 11. Wireless communication between the transmission / reception control unit 12 that controls wireless communication performed with the writer 20, the memory 13 that stores electronic money, control programs, data, and the like, and the non-contact IC card reader / writer 20. And a control unit 14 that performs control and controls reading and / or writing of data.

  The non-contact IC card reader / writer 20 includes a transmission / reception antenna 21 for performing wireless communication with the non-contact IC card 10 having a transmission function and / or a reception function, and the non-contact IC card 10 via the transmission / reception antenna 21. A transmission / reception control unit 22 that controls wireless communication performed between the memory, a memory 23 that stores a control program and the like, and a settlement process for the non-contact IC card 10 based on a command from the main control unit 30 of the vending machine. The control part 24 to perform is provided.

  The main control unit 30 of the vending machine is a conventional main control unit of the vending machine, and when a product is selected by pressing a product selection button by a customer using the vending machine, the price of the product Is requested to the non-contact IC card reader / writer 20, and when a notification of payment processing completion (reception of the price) is received from the non-contact IC card reader / writer 20, the product is controlled to be paid out.

  The non-contact IC card reader / writer 20 configured in this way further has an ID (hereinafter referred to as a settlement apparatus) that can distinguish itself from a non-contact IC card reader / writer connected to the memory 23 to another vending machine or a cash register of a retail store. ID)) is stored in the memory 23. Further, the memory 13 of the non-contact IC card 10 is set in advance so that payment device IDs can be registered (recorded) up to a predetermined registration upper limit number.

  Further, the control unit 14 of the non-contact IC card 10 has a settlement enable / disable determining function for determining whether or not settlement is possible. The settlement possibility determination is executed based on the program stored in the memory 13.

  The processing for determining whether payment is possible is performed by determining whether payment is possible based on the payment device ID sent from the non-contact IC card reader / writer 20, as well as determining the payment device ID to the memory 13 of the non-contact IC card 10. The determination of whether or not registration is possible and the process of registering the settlement apparatus ID in the memory are further included. The settlement determination process will be described in detail separately.

  Next, payment processing in the payment system configured as described above will be described in detail with reference to FIG. FIG. 2 is a sequence diagram of the payment process of the payment system shown in FIG.

The payment processing sequence shown in FIG. 2 is executed when the non-contact IC card reader / writer 20 receives a price request command from the main control 30 of the vending machine.
For example, when a customer who has a non-contact IC card 10 presses a product selection button of a vending machine (not shown) and selects a product to purchase, the main control unit 30 of the vending machine controls the control unit 24 of the non-contact IC card reader / writer 20. A price request command based on the price of the selected product is sent to.
Then, the non-contact IC card reader / writer 20 drives the transmission / reception control unit 22 and inquires of the non-contact IC card 10 about the balance via the transmission / reception antenna 21. (Step S01) At this time, the settlement apparatus ID for identifying itself is transmitted together with the inquiry of the balance.

  The control unit 14 of the contactless IC card 10 that has received the balance inquiry and the payment device ID receives the received payment device ID and the payment device ID previously registered in the memory 13 of the contactless IC card 10 in the process of step S02. Based on the above, a settlement possibility determination process is executed. In the settlement possibility determination process, the settlement apparatus ID registered in the memory 13 is collated. If they match, settlement is permitted. (Step S02) When the settlement is permitted, the non-contact IC card 10 notifies the non-contact IC card reader / writer 20 of the balance. (Step S03)

  It should be noted that, even in the case where the settlement apparatus ID received and the settlement apparatus ID registered in advance in the memory 13 of the contactless IC card 10 do not match in the settlement possibility determination process in step S02, the contactless IC card When the number of registered payment device IDs to 10 is less than the registration upper limit, a registration process for registering the received payment device ID in the memory 13 of the contactless IC card 10 is performed. After this registration process, settlement is permitted, and the process proceeds to step S03 to notify the non-contact IC card reader / writer 20 of the balance of electronic money stored in the memory 13.

  On the other hand, in the settlement possibility determination process in step S02, the received settlement apparatus ID and the settlement apparatus ID registered in the memory 13 of the non-contact IC card 10 in advance do not match, and the non-contact When the registered number of payment device IDs registered in the memory 13 of the IC card 10 is registered up to the registration upper limit, the payment is not permitted. In this case, although not shown in FIG. 2, instead of step S03, the non-contact IC card reader / writer 20 is notified that the settlement is impossible, and the non-contact IC card reader / writer 20 that has received the notification that the settlement is not possible. Ends the settlement process.

  The non-contact IC card reader / writer 20 that has received the balance notification subtracts the price from the balance. (Step S04) Next, the non-contact IC card 10 is instructed to update the balance after subtraction. (Step S05)

  The contactless IC card 10 that has received the balance update instruction executes the balance update process (step S06) and notifies the completion of the update (step S07).

  When the non-contact IC card reader / writer 20 receives the notification of the update completion, it completes the settlement process. The receipt of the price is notified to the main control unit 30 of the vending machine. When the vending machine is notified of receipt of the price, it releases the goods.

  Next, the settlement possibility determination process in step S02 of FIG. 2 will be described in detail with reference to FIG. FIG. 3 is a flowchart for explaining in detail the settlement possibility determination process in step S02 of the sequence diagram shown in FIG.

  The settlement determination process shown in FIG. 3 starts when a price request and a settlement apparatus ID are received from the non-contact IC card reader / writer 20. (Step S11)

  First, the settlement apparatus ID registered in advance in the memory 14 is compared with the settlement apparatus ID received from the non-contact IC card reader / writer 20. (Step S12)

  If the payment device ID registered in the memory 14 matches the payment device ID received from the non-contact IC card reader / writer 20 in step S12 (Yes in step S12), the process proceeds to step S15 and payment is permitted.

  On the other hand, if the payment device ID registered in the memory 14 and the payment device ID received from the non-contact IC card reader / writer 20 do not match in step S12 (No in step S12), the process proceeds to step S13. It is determined whether or not the number of settlement device IDs stored in the memory 14 of the contact IC card is less than the upper limit number of registrations. Here, if the upper limit number of registrations is not reached (Yes in step S13), the process proceeds to step S14, and the received payment apparatus ID is registered in the memory. (Registration process) Further, when the registration process of step S14 is completed, the process proceeds to step S15, and the settlement is permitted.

  On the other hand, if the number of settlement device IDs stored in the memory of the contactless IC card 10 is the upper limit number of registrations (No in step S13), the process proceeds to step S16 and settlement is not permitted.

  As described above, in the payment system according to the embodiment of the present invention, even if the customer wants to make a payment using a payment device that is not yet registered in the contactless IC card 10, no specific registration operation is required. Registration processing can be easily executed without bothering the customer.

  In the operation of the payment system in the present embodiment, it is possible to operate without setting the upper limit of the number of registrations in advance. When operating in this way, a registration processing prohibition button is separately provided in the non-contact IC card reader / writer 20, and when the customer can register a payment device ID sufficiently used by the customer, after pressing the registration processing prohibition button. Then, by holding the non-contact IC card 10, a registration prohibition command may be transmitted from the non-contact IC card reader / writer 20 to the non-contact IC card 10 to prohibit subsequent registration processing.

  In the present embodiment, the present invention has been described by way of an embodiment of a payment system using a contactless IC card reader / writer connected to a vending machine and a contactless IC card reader / writer. A settlement system in which an IC card reader / writer is connected to a register installed in a retail store or the like can also be used. In this way, when the contactless IC card reader / writer is connected to the register of the retail store and the payment system is operated, the payment apparatus may execute the payment process in accordance with the price request command transmitted from the register.

  Further, when a plurality of registers and a plurality of contactless IC card reader / writers connected to the registers are installed in one retail store, a plurality of settlement apparatus IDs installed in one retail store can be set to one. . In this way, if one ID of all the non-contact IC card reader / writers installed in one retail store is set to one, the troublesomeness of registering a plurality of settlement device IDs of one retail store in the non-contact IC card is eliminated. Once a contactless IC card has been registered with the retailer's contactless IC card reader / writer, any contactless IC card reader / writer installed at that retailer can subsequently make payments. It becomes.

  Further, in the embodiments, the present invention has been described by taking an electronic money settlement system using a non-contact IC card storing electronic money as an example. However, the present invention is not limited to such an electronic money settlement system. A post-payment settlement system using a card may be used. In the case of the post-payment method, at the time of payment, the control unit of the non-contact IC card verifies the payment device ID sent from the payment device and permits the payment, and the card stored in advance in the non-contact IC card Is transmitted to the settlement apparatus. The settlement apparatus may perform a settlement process based on the identification ID sent.

Further, the present invention is not limited to a contactless IC card, and any portable record provided with a memory that can store a payment device ID and a function that enables communication with the payment device and that can be held by a customer It may be a medium, and may be, for example, a mobile phone, a human body communication terminal that communicates with the outside via human body communication, or an RF-ID.
In addition, the payment apparatus may be an apparatus compatible with the communication method of the portable recording medium that communicates.

10 Mobile recording media (Non-contact IC card reader / writer)
DESCRIPTION OF SYMBOLS 11 Transmission / reception antenna 12 Transmission / reception control part 13 Control part 14 Memory 20 Payment apparatus (non-contact IC card reader / writer)
21 Transmission / reception antenna 22 Transmission / reception control unit 23 Memory 24 Control unit 30 Main control unit of vending machine

Claims (1)

An electronic payment system comprising a portable recording medium that stores payment information and a payment device that performs electronic payment processing by communicating with the portable recording medium,
The settlement apparatus stores a settlement apparatus ID that can identify the settlement apparatus,
The portable recording medium is
A memory capable of registering a payment device ID of the payment device up to a predetermined registration upper limit number and a control unit for determining whether payment is possible based on the payment device ID received from the payment device;
The controller is
At the time of payment processing, the payment device ID received from the payment device is checked against the payment device ID stored in the memory. If they match, the payment is permitted, and if they do not match, the payment device ID registered in the memory. When the number of cases is less than the registration upper limit number, the settlement is permitted after the settlement apparatus ID is registered in the memory.

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