JP2013196317A - Biological registration type electronic money settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a biological registration type electronic money settlement system for easily performing the use registration of electronic money or the use of the electronic money only by biological information.SOLUTION: The biological registration type electronic money settlement system includes: a plurality of biological registration type electronic money use terminals 1 to 3 each of which has a biological information read mechanism 8 for performing transaction with electronic money by biological information; and a network host 10. The network host 10 includes: a database for managing the electronic money account of the electronic money and the biological information of a user; a registration processing part 13-3 for performing the registration processing of the electronic money account to the database; a payment processing part 13-1 for performing the payment processing to the electronic money account; and a settlement processing part 13-2 for performing settlement processing from the electronic money account.

Description

  The present invention relates to a biometric registration type electronic money settlement system for substituting biometric information for electronic money settlement using contactless IC data mounted on a medium such as a card or a mobile phone. .

  Non-contact IC data supplied by the card issuer for the current electronic money payment (payment using electronic money at convenience stores, payment of public transportation such as Suica (registered trademark)) In general, a card or a mobile phone terminal equipped with communication (such as Felica (registered trademark)) is used, and in recent years, the amount of settlement per person is increasing.

  Further, when using such electronic money settlement, the user needs to possess a card or a mobile phone, and there is a risk of loss, theft or forgery. In addition, the process of “withdrawing / withdrawing a card from / from a wallet” and “withdrawing / withdrawing a mobile phone terminal from / from a bag” is necessary at the time of electronic money settlement, which is troublesome in terms of ease of settlement.

  Also, even if the balance of electronic money remains, it is inconvenient that payment with electronic money cannot be made if the user does not have it, such as forgetting a charged card or mobile phone at the time of settlement.

  Therefore, conventionally, as a technique of cardless settlement, there is a technique described in Japanese Patent Application Laid-Open No. 2007-323116 (Patent Document 1), which is a cardless transaction from a bank ATM terminal.

JP 2007-323116 A

  However, in the case of using the ATM terminal, the one disclosed in Patent Document 1 first performs a transaction feasibility determination process using the operator authentication finger vein information, and requests the operator authentication finger vein information of the operator again after the determination process. Thus, a complicated process of starting an actual transaction is required.

  Further, it is not a mechanism for registering the user's biometric information from the ATM terminal or easily using electronic money.

  Therefore, an object of the present invention is to provide a biometric registration type electronic money settlement system that can easily perform registration and use of electronic money with only biometric information.

  The above and other objects and novel features of the present invention will be apparent from the description of this specification and the accompanying drawings.

  Of the inventions disclosed in the present application, the outline of typical ones will be briefly described as follows.

  That is, the outline of a representative one is that a biometric information read mechanism that reads biometric information of a user and has a plurality of biometric registration type electronic money use terminals that perform transactions using electronic money based on the biometric information, and biometric registration type electronic money use A network host connected to a terminal via a network and performing transaction processing of a user's electronic money, the network host includes a database for managing an electronic money account of electronic money and biometric information of the user, and a biometric registration type electronic Based on the electronic money usage registration data including the biometric information transmitted from the money using terminal, the registration processing unit for registering the electronic money account in the database, and the biometric information transmitted from the biometric registration type electronic money using terminal A deposit processing unit for depositing money into the electronic money account based on the received electronic money deposit data; Based on the electronic money settlement data including the biological information transmitted from the registered electronic money using terminal, and has a settlement processing unit which performs settlement processing of the electronic money account.

  The effects obtained by typical ones of the inventions disclosed in the present application will be briefly described as follows.

  In other words, the effect obtained by typical ones is that electronic money payment users do not need to possess a card or mobile phone terminal, etc., which was necessary at the time of payment, which eliminates the inconvenience of always carrying the card, and at the same time lost This eliminates the risk of theft and theft and eliminates the need for the process of “removing the card or mobile phone terminal” in the payment process, which can improve the convenience and convenience of the payment process.

  In addition, electronic money issuers are not required to continuously issue electronic money media (cards and mobile phone terminals equipped with contactless ICs), which can reduce running costs. There is a merit of reducing environmental pollution factors by reducing the generation of harmful substances at the time and eliminating the need to dispose of unnecessary electronic money media.

It is a block diagram which shows the structure of the biometric registration type electronic money payment system which concerns on one embodiment of this invention. It is a figure which shows an example of the data stored in the biometric account management DB used with the biometric registration type | formula electronic money payment system which concerns on one embodiment of this invention. It is a figure which shows an example of the data stored in registration information management DB used with the biometric registration type | formula electronic money payment system which concerns on one embodiment of this invention. It is a figure which shows an example of the data stored in the participating store management DB used with the biometric registration type | formula electronic money payment system which concerns on one embodiment of this invention. It is a figure which shows an example of the transmission data structure used with the biometrics registration type electronic money payment system which concerns on one embodiment of this invention. It is a figure which shows an example of the reply data structure used with the biometrics registration type electronic money payment system which concerns on one embodiment of this invention.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. Note that components having the same function are denoted by the same reference symbols throughout the drawings for describing the embodiment, and the repetitive description thereof will be omitted.

<Configuration of biometric registration type electronic money settlement system>
With reference to FIG. 1, the configuration of a biometric registration type electronic money settlement system according to an embodiment of the present invention will be described. FIG. 1 is a configuration diagram showing a configuration of a biometric registration type electronic money settlement system according to an embodiment of the present invention.

  In FIG. 1, the biometric registration type electronic money settlement system includes a network host 10 and a plurality of biometric registration type electronic money using terminals 1 to 3 connected to the network host 10 by a data communication network 9.

  The network host 10 includes a deposit processing unit 13-1 for performing deposit processing, a settlement processing unit 13-2 for performing settlement processing, and a business processing unit 13 having a registration processing unit 13-3 for performing registration processing. And a search processing unit 14 having a search processing control unit 14-4 for performing a search process for each database of the affiliated store management DB 14-1, registration information management DB 14-2, and biometric account management DB 14-3, and The processing control base 12 that controls the business processing unit 13 and the search processing unit 14 and the request processing transmission / reception unit (host side) 11 that performs data transmission / reception with the biometric registration type electronic money using terminals 1 to 3 are configured.

  In addition, the biometric registration type electronic money using terminals 1 to 3 include a request processing transmission / reception unit (terminal side) 4 that performs data transmission / reception with the network host 10, and a process requested by the user (“registration” key 5-1, “ The request processing input interface 5 for inputting the “deposit” key 5-2 and the “settlement” key 5-3), the screen display interface 6 for displaying the use result of the biometric registration type electronic money system, and the cash for depositing / withdrawing cash A deposit / withdrawal mechanism 7 (for example, a cash register at a convenience store) and a biometric information read mechanism 8 that reads the biometric information of the user are configured.

<Data used in biometric electronic money settlement system>
Next, data used in the biometric registration type electronic money settlement system according to an embodiment of the present invention will be described with reference to FIGS. 2 to 6 are diagrams showing data used in the biometric registration type electronic money settlement system according to the embodiment of the present invention, and FIG. 2 is an example of data stored in the biometric account management DB 14-3. 3 shows an example of data stored in the registration information management DB 14-2, FIG. 4 shows an example of data stored in the affiliated store management DB 14-1, and FIG. 5 shows a transmission data configuration. FIG. 6 is a diagram illustrating an example, and FIG. 6 is a diagram illustrating an example of a response data configuration.

  In FIG. 2, the data stored in the biometric account management DB 14-3 has a registration number, biometric information (data), and a balance as item 15. For example, as one record 16, the registration number is “12345”, The biometric information (data) is “123456789123456” and the balance is “12,000”.

  In FIG. 3, the data stored in the registration information management DB 14-2 includes a registration number, biometric information (original), and registration information as an item 17. For example, as one record 18, the registration number is “12345”. The biometric information (original) is image information of the biometric information, and the registration information is information such as “name, address, age, telephone number, registration date”.

  In FIG. 4, the data stored in the participating store management DB 14-1 has a registration number, a participating store number, and a settlement account as item 19. For example, as one record 20, the registration number is “123123” Stored is information with a store number “112233345566” and a settlement account “662,800”.

  In FIG. 5, as a transmission data configuration transmitted from the biometric registration type electronic money using terminals 1 to 3, a transmission data configuration 21 at the time of electronic money settlement includes, for example, a processing serial number, a participating store number, a machine number, biometric information (data ), Payment amount and request processing items, for example, the processing serial number is “111”, the affiliated store number is “112233454566”, the machine number is “321”, the biometric information (data) is “123456789123456”, and the payment amount is Information of “¥ 1,200” and request processing “settlement” is transmitted.

  The transmission data structure 22 at the time of depositing electronic money includes, for example, processing sequence number, store number, machine number, biometric information (data), deposit amount, and request processing items. For example, the processing sequence number is “222”, the store number Is “456”, the machine number is “654”, the biological information (data) is “123456789123456”, the deposit amount is “¥ 3,000”, and the request processing is “payment”.

  The transmission data structure 23 at the time of biometric registration electronic money use registration has, for example, items of process serial number, store number, machine number, biometric information (original), registration information, and request processing. For example, the process serial number is “333”. "Store number is" 789 ", machine number is" 987 ", biometric information (original) is image information of biometric information, registration information is" name, address, age, phone number, registration date, etc. " Is transmitted as transmission data.

  In FIG. 6, the response data structure for replying from the network host 10 includes the reply data structure 24 for electronic money settlement, the reply data structure 25 for depositing electronic money, and the reply data structure 26 for biometric registration electronic money use registration: Each of the fields has a process serial number, a store number, a machine number, and a processing answer. The process serial numbers are “111”, “222”, “333”, the store numbers are “123”, “456”, “789”, and the machine number is “ Information of “321”, “654”, “987”, processing responses “transaction complete”, “transaction impossible”, “registration complete” is received as response data.

  In the example shown in FIG. 6, at the time of electronic money settlement, the response data when the processing request is normally completed, when electronic money is received, the response data when the processing request is not accepted, and at the time of biometric registration electronic money use registration, the registration processing is normally completed. The response data at the time is shown, and information such as “registration not possible” is received as the response data when the registration process is abnormally completed at the time of registration using the biometric registration electronic money.

<User biometric information registration process and biometric registration electronic money use registration process>
Next, a user's biometric information registration process and biometric registration electronic money use registration process in the biometric registration type electronic money settlement system according to an embodiment of the present invention will be described with reference to FIGS.

  The user of the biometric registration type electronic money system of the present embodiment needs to register his / her own biometric information in the network host 10.

  First, a user's biometric information registration process is implemented by the following processes (1) to (4).

  (1) The user inputs processing requested by the request processing input interface 5 of the biometric registration type electronic money using terminals 1 to 3. In this case, the “registration” key 5-1 is pressed to perform registration processing.

  (2) Since a screen for new registration is displayed on the screen display interface 6, personal information (name, address, age, telephone number, etc.) is input according to the guidance.

  (3) When the input of personal information is completed, guidance for registering biometric information is displayed on the screen display interface 6. In accordance with the guidance, the biological information read mechanism 8 reads the biological information by holding a finger or the like over the biological information read mechanism 8.

  (4) The request processing transmission / reception unit (terminal side) 4 shapes the user information input in (2) and (3) into a data frame configuration and transmits it to the network host (refer to the living body in FIG. 5). Transmission data structure 23) at the time of registration electronic money use registration.

  Next, the biometric registration electronic money use registration process is performed by the following processes (5) to (11).

  (5) The request processing transmission / reception unit (host side) 11 that has received the transmission data of the transmission data configuration 23 at the time of biometric registration electronic money utilization registration from the biometric registration type electronic money utilization terminals 1 to 3 receives the received data from the data frame. Take it out and pass it to the processing control board 12.

  (6) The processing control board 12 extracts the request processing from the received data received from the request processing transmission / reception unit (host side) 11 and calls the business processing unit 13 corresponding to the request processing. In this case, “registration” is extracted as the request processing, and the registration processing unit 13-3 is called as the corresponding business processing unit 13.

  (7) The registration processing unit 13-3 extracts registration information (name, address, age, telephone number, etc.) for new registration from the received data, and sends the new information to the search processing control unit 14-4 of the search processing unit 14. Confirm that the registered personal information is not already registered.

  (8) If it is confirmed that multiple registration will not occur, personal information is registered in the registration information management DB 14-2 of the search processing unit 14, and a biometric electronic money account is opened in the biometric account management DB 14-3.

  (9) When the establishment of the biometric electronic money account is completed, the registration processing unit 13-3 notifies the processing control board 12 that the new registration has been completed normally.

  (10) The processing control infrastructure 12 shapes the response data of the registration process into a data frame format, and transmits the response data to the biometric registration type electronic money using terminals 1 to 3 that transmitted the processing request (see: FIG. 6). Response data structure 26) at the time of biometric electronic money usage registration.

  (11) The request processing transmission / reception unit (terminal side) 4 of the biometric registration type electronic money using terminals 1 to 3 that has received the response data displays on the screen display interface 6 that the new registration has been completed normally, and the processing ends. If the new registration is abnormal based on the answer data, information indicating that registration is not possible is displayed on the screen display interface 6.

<Deposit processing>
Next, with reference to FIG. 1, FIG. 5, and FIG. 6, payment processing in the biometric registration type electronic money settlement system according to an embodiment of the present invention will be described.

  When making a payment in a biometric registration type electronic money system, it is necessary to deposit money into the user's own biometric electronic money account.

  The deposit process is performed by the following processes (1) to (11).

  (1) The user inputs processing requested by the request processing input interface 5 of the biometric registration type electronic money using terminals 1 to 3. In this case, the “deposit” key 5-2 is pressed to perform a deposit process.

  (2) Since a screen for authenticating the user is displayed on the screen display interface 6, the biometric information read mechanism 8 reads the biometric information by holding a finger or the like over the biometric information read mechanism 8 according to the guidance. . Subsequently, since guidance for requesting cash input is displayed on the screen display interface 6, cash is deposited into the cash deposit / withdrawal mechanism 7 in accordance with the guidance.

  (3) The cash deposit / withdrawal mechanism 7 collates / counts the deposited cash, and the deposited amount is displayed on the screen display interface 6. Therefore, if the displayed deposit amount is acceptable, the user can, for example, perform request processing. A “confirm” key (not shown) of the input interface 5 is pressed.

  (4) The request processing transmission / reception unit (terminal side) 4 shapes the user's biometric information and payment amount input in (2) into a data frame configuration and transmits it to the network host (see: electronic in FIG. 5). Transmission data structure 22) when depositing money.

  (5) The request processing transmission / reception unit (host side) 11 that has received the transmission data from the biometric registration type electronic money using terminals 1 to 3 extracts the received data from the data frame and passes it to the processing control board 12.

  (6) The processing control board 12 extracts the request processing from the received data received from the request processing transmission / reception unit (host side) 11 and calls the business processing unit 13 corresponding to the request processing. In this case, “deposit” is taken out as the request process, and the deposit processing unit 13-1 is called as the corresponding business processing unit.

  (7) The deposit processing unit 13-1 extracts the user's biometric information and the deposit amount from the received data, and asks the search processing control unit 14-4 of the search processing unit 14 whether the biometric information has been registered. Confirm that payment is possible for the biometric electronic money account.

  (8) When it is confirmed that the deposit is possible, the balance of the corresponding biometric electronic money account in the biometric account management DB 14-3 is increased by the deposit amount.

  (9) When the depositing process to the biometric electronic money account is completed, the depositing processing unit 13-1 notifies the processing control board 12 that the depositing process has been completed normally.

  (10) The processing control infrastructure 12 shapes the response data of the deposit process into a data frame format, and transmits the response data to the biometric registration type electronic money using terminal that has transmitted the process request (see: electronic money deposit in FIG. 6). Response data structure 25 at the time, in this case, the processing answer is “transaction completed”).

  (11) The request processing transmission / reception unit (terminal side) 4 that has received the response data displays on the screen display interface 6 that the deposit processing has been completed normally, and the processing ends.

<How to join a store to a biometric electronic money system>
Next, with reference to FIG. 1 and FIG. 4, a store subscription method to the biometric registration type electronic money system in the biometric registration type electronic money settlement system according to one embodiment of the present invention will be described.

  When a user makes a payment with biometric registration type electronic money, the use store needs to subscribe to the biometric registration type electronic money system.

  When a new store joins, the store registers the subscribed store number uniquely assigned by the biometric registration type electronic money using terminals 1 to 3 of the store in the subscribed store management DB 14-1 together with the payment corresponding to the subscribed store number. Prepare an account and register the settlement account. The registered store number can be registered not by the biometric registration type electronic money using terminals 1 to 3 but by a store-specific management terminal or the like.

<Payment processing>
Next, with reference to FIGS. 1 and 4 to 6, a payment process in the biometric registration type electronic money payment system according to an embodiment of the present invention will be described.

  As for the following settlement processing, it is assumed that settlement is performed at a store that has already subscribed to the biometric registration type electronic money system (reference: settlement at a store with the subscription store number “11223454566” in FIG. 4).

  The settlement process is performed by the following processes (1) to (11).

  (1) When a user makes a payment at a store participating in the biometric electronic money system, the payment is made to the person in charge on the store side in the payment at the store using the biometric electronic money system.

  (2) The person in charge on the store side inputs a process for requesting settlement through the request process input interface 5 of the biometric registration type electronic money using terminals 1 to 3. In this case, the “settlement” key 5-3 is pressed to perform the settlement process.

  (3) Since a screen for authenticating the settlement person is displayed on the screen display interface 6, the user holds a finger or the like over the biometric information read mechanism according to the guidance, and the biometric information read mechanism reads the biometric information. .

  (4) The request processing transmission / reception unit (terminal side) 4 shapes the user's biometric information and payment amount input in (3) into a data frame configuration and transmits it to the network host (see: electronic in FIG. 5). Transmission data structure at the time of money settlement 21).

  (5) The request processing transmission / reception unit (host side) 11 that has received the transmission data from the biometric registration type electronic money using terminals 1 to 3 extracts the received data from the data frame and passes it to the processing control board 12.

  (6) The processing control board 12 extracts the request processing from the received data received from the request processing transmission / reception unit (host side) 11 and calls the business processing unit 13 corresponding to the request processing. In this case, “settlement” is extracted as the request process, and the settlement processing unit 13-2 is called as the corresponding business processing unit 13.

  (7) The payment processing unit 13-2 extracts the user's biometric information and the payment amount from the received data, and asks the search processing control unit 14-4 of the search processing unit 14 whether the biometric information has been registered. Confirm whether the settlement amount can be settled from the biometric electronic money account concerned.

  (8) If it is confirmed that payment is possible, the payment amount is deducted from the balance of the corresponding biometric electronic money account in the biometric account management DB 14-3. In addition, the settlement amount is added to the settlement account of the participating store number in the participating store management DB 14-1.

  (9) When the payment processing to the biometric electronic money account is completed, the payment processing unit 13-2 notifies the processing control board 12 that the payment processing has been normally completed.

  (10) The processing control infrastructure 12 shapes the response data of the settlement process into a data frame format, and transmits the response data to the biometric registration type electronic money using terminals 1 to 3 that transmitted the processing request (reference: FIG. 6) Response data structure at the time of electronic money settlement 24).

  (11) The request processing transmission / reception unit (terminal side) 4 that has received the response data displays on the screen display interface 6 that the payment processing has been completed normally, and the processing ends.

  By this settlement process, the settlement account in the affiliated store management DB 14-1 indicates the amount that the operator of the biometric registration type electronic money system needs to pay to the affiliated store.

  When a user makes a payment at a bio-electronic money system subscription store, the payment amount is added to the settlement account corresponding to the subscription store number of the subscription store management DB 14-1, and the payment amount payment to the subscription store is completed Then, clear the payment account of the payment completed store.

  In the present embodiment, the biometric registration type electronic money using terminals 1 to 3 register the user's biometric information, and based on the registered biometric information, deposit electronic money or settle payment at the store. Therefore, there is no need for a card equipped with a non-contact IC, and the user can easily use electronic money.

  As mentioned above, the invention made by the present inventor has been specifically described based on the embodiment. However, the present invention is not limited to the embodiment, and various modifications can be made without departing from the scope of the invention. Needless to say.

  The present invention has an advantage that authentication information embedded in a card, a mobile phone, or the like becomes unnecessary by performing user authentication with only biometric information at the time of electronic money settlement. However, with the current technology, the time required for settlement by biometric authentication and server inquiry is 1 to 2 seconds, and there is a problem that it is not suitable for application to a system in which authentication speed is important.

  Considering these, the industrial applicability is listed below.

Payment at retail stores or restaurants When users purchase or pay for food and drink at retail stores or restaurants, payment by bio-registration type electronic money can be made by incorporating a bio-registration type electronic money system into the cash register. Become.

  If paying at the cash register, the authentication speed is not so important, so it can be used.

  The condition is that the store is subscribed to the biometric electronic money system, but it can be added by improving the customer's willingness to purchase in combination with the improvement of turnover by increasing the payment speed of the cash register and giving points. It is also expected to improve store sales.

  1-3 ... biometric registration type electronic money using terminal, 4 ... request processing transmission / reception unit (terminal side), 5 ... request processing input interface, 5-1 ... "registration" key, 5-2 ... "deposit" key, DESCRIPTION OF SYMBOLS 3 ... "Settlement" key, 6 ... Screen display interface, 7 ... Cash deposit mechanism, 8 ... Biometric information read mechanism, 9 ... Data communication network, 10 ... Network host, 11 ... Request processing transmission / reception part (host side), 12 ... Processing control infrastructure, 13 ... business processing unit, 13-1 ... deposit processing unit, 13-2 ... settlement processing unit, 13-3 ... registration processing unit, 14 ... search processing unit, 14-1 ... affiliated store management DB, 14 -2 ... Registration information management DB, 14-3 ... Biometric account management DB, 14-4 ... Search processing control unit.

Claims (3)

A plurality of biometric registration type electronic money using terminals having a biometric information read mechanism for reading biometric information of a user, and performing transactions with electronic money using the biometric information;
A network host connected to the biometric registration type electronic money using terminal via a network and performing transaction processing of the user's electronic money,
The network host is based on a database for managing the electronic money account of the electronic money and the biometric information of the user, and electronic money use registration data including the biometric information transmitted from the biometric registration type electronic money use terminal. A registration processing unit for registering an electronic money account in the database, and depositing into the electronic money account based on electronic money deposit data including the biometric information transmitted from the biometric registration type electronic money using terminal A deposit processing unit that performs processing, and a settlement processing unit that performs settlement processing from the electronic money account based on electronic money settlement data including the biometric information transmitted from the biometric registration type electronic money using terminal. A biometric registration type electronic money payment system characterized by the above. The biometric registration type electronic money payment system according to claim 1,
The electronic money use registration data including the biometric information, the electronic money deposit data including the biometric information, and the electronic money settlement data including the biometric information are distinguished from each other according to the contents of request processing items in the data. A biometric registration type electronic money settlement system. The biometric registration type electronic money settlement system according to claim 2,
The registration processing unit, the deposit processing unit, and the settlement processing unit each transmit information of processing results to the biometric registration type electronic money using terminal.