JP2014016745A - Electronic transaction system and electronic transaction method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an electronic transaction method that allows both a customer and a shop to perform an electronic transaction without introduction of a special device.SOLUTION: The electronic transaction method of performing an electronic transaction by use of a first portable terminal, a second portable terminal and a management server connected to these portable terminals via a network is configured to perform: a position information transmission step in which the first portable terminal transmits position information on the portable terminal to the management server; a portable terminal selection step in which the management server selects the second portable terminal on the basis of the position information transmitted from the portable terminal; a transaction check request step in which the first portable terminal and the second portable terminal transmit a transaction check request to the management server; a request timing collation step in which the management server collates request timings of the transaction check requests from the first portable terminal and the second portable terminal; and a transaction execution step in which the management server executes a transaction when the timings of the transaction check requests correspond with each other.

Description

  The present invention relates to a system and method for conducting electronic transactions using a mobile terminal. More particularly, the present invention relates to a system and method for giving points to a customer using a mobile terminal in an actual store, and a settlement system and method using the mobile terminal in an actual store.

Motivation for visits and purchases by giving points and giving discounts and other benefits according to the number of points to customers who visit the store or purchase products at the store as a representative promotional activity Giving up is done.
One of the typical point grant methods in actual stores is to distribute paper cards to customers at the first visit to the store, and the store stamps the stamp according to the amount used at the store, and a certain number of stamps are accumulated You can get discounts and other benefits from the store.
Another method is to distribute magnetic reading cards to customers, record points with a dedicated device at the store according to the amount spent at the store, and save a certain number of stamps and other There is something that you can receive benefits.
In recent years, a point program service using a non-contact type IC card mounted on a mobile phone has been provided.

In addition, as a typical settlement method not using cash, settlement using a credit card or settlement using electronic money is used.
Payments using credit cards in actual stores are typically made by a customer using a payment terminal installed in the store to read a magnetic stripe card or IC card brought by the customer, and a payment company installed in the store. This is done by connecting the terminal for online use.
As a typical payment method using electronic money, the contactless IC card brought by the customer is read by a dedicated payment terminal installed in the store, and installed in the store with a host computer such as an electronic money service provider. There are an online method in which payment is made by connecting the payment terminals online, or an offline method in which payment is made at a payment terminal in a store.

  In recent years, it has been proposed to perform electronic money settlement using a mobile phone with a built-in non-contact IC card instead of a conventional magnetic stripe card or IC card. For example, in Patent Document 1, an electronic device in which a portable terminal incorporating a non-contact type IC card that stores payment method specifying information and balance data and a payment settlement apparatus having a non-contact type IC card reader / writer are wirelessly connected. In the payment system, the payment settlement apparatus transmits a payment method response request including billing amount data and communication path information to the mobile terminal, and performs payment settlement using the established communication path. The payment method response request transmitted by the payment settlement apparatus is received, and one of the payable payment method identification information stored in the IC card is selected, and the communication path with the highest priority of the selected payment method identification information is selected. An electronic settlement system is disclosed that returns a request for establishment to a payment settlement apparatus and transmits a payment method response using the established communication path.

JP 2009-205234 A

In the case of the conventional method of giving points, the customer side is troublesome to carry around the point cards of various stores, but if they forget to bring the point cards, they will miss the opportunity to receive points. . Also, from the store side, when issuing a point card, it is troublesome to ask the customer to enter personal information, but if customer information is not acquired, there is a problem that sufficient promotional activities cannot be performed thereafter. is there.
The same annoyance with using a card exists not only for point cards but also for credit cards and electronic money cards.
In order to eliminate this inconvenience, a mobile phone terminal of a non-contact type IC card has been released, and points are given and settlements are performed using this. However, there are still many mobile phone terminals not equipped with non-contact type IC cards. Further, if the store side intends to use various services using a non-contact type IC card, a non-contact type IC card reader / writer must be installed, and there is a problem that costs increase. Under such circumstances, the mobile phone terminal equipped with a non-contact type IC card and the system according to Patent Document 1 that requires a non-contact type IC card reader / writer have a problem that it is difficult to use.

  Then, this invention makes it a subject to provide the electronic transaction system and method which both a customer and a shop can use a point service and a payment service, without introducing special equipment.

The present invention for solving the above problems is as follows.
An electronic transaction system having a first mobile terminal, a second mobile terminal, and a management server connected to these mobile terminals via a network,
The first portable terminal and the second portable terminal have transaction confirmation request means for transmitting a transaction confirmation request to the management server,
The management server
Mobile terminal selection means for selecting the second mobile terminal based on the position information of the first mobile terminal;
Request timing collating means for collating request timings of transaction confirmation requests from the first portable terminal and the second portable terminal;
Transaction execution means for executing a transaction when the timings of the transaction confirmation requests coincide with each other.
Such an electronic transaction system allows customers and stores to perform electronic transactions such as point issuance and electronic payment at actual stores using general-purpose portable terminals without communicating directly between portable terminals. Make it possible. At that time, since the mobile terminals held by the two parties performing the transaction can be associated with each other based on both the position of the mobile terminal and the timing of the transaction confirmation request, it is possible to prevent malfunction and transaction.

In a preferred embodiment of the present invention, each of the first mobile terminal and the second mobile terminal has an operation detection means for detecting an operation applied from the outside to each mobile terminal,
The transaction confirmation requesting means of the first portable terminal and the second portable terminal each transmit a transaction confirmation request to the management server when the operation detecting means detects a predetermined operation.
By using the motion detection means, it is possible to make a transaction confirmation request with a sensuous operation, which is excellent in usability.

In a preferred embodiment of the present invention, the management server is
A storage unit that associates and stores IDs of a plurality of mobile terminals, IDs of stores that hold each mobile terminal, and store information that includes location information of each store;
The portable terminal selection means of the management server is
The use store specifying means for checking the location information of the first mobile terminal with the location information of each store stored in the storage unit and specifying the use store of the first mobile terminal;
Mobile terminal specifying means for specifying the second mobile terminal by collating the ID of the store using the first mobile terminal with the ID of the store stored in the storage unit.
Thereby, it becomes possible to specify the second portable terminal by a simple method.

In a preferred embodiment of the present invention, the motion detection means of the first mobile terminal and the second mobile terminal includes an acceleration sensor.
Thereby, the operation | movement added to the portable terminal can be detected with a simple method.

  The present invention can be preferably used for point issuance and settlement.

In a preferred embodiment of the present invention, the transaction confirmation request from the first portable terminal and the second portable terminal includes a payment confirmation request,
The first portable terminal includes authentication data creation means for creating personal authentication data;
Authentication data transmission means for transmitting the created authentication data to the management server,
The transaction execution unit of the management server includes a personal authentication unit that performs personal authentication by comparing authentication data transmitted from the first portable terminal with previously registered personal authentication data.
This makes it possible to perform electronic payment with high security.

As the personal authentication data, a gesture pattern can be used. In this case, an acceleration sensor can be used as the authentication data creating means.
This makes it possible to authenticate the person with a sensory and simple operation.

The present invention is an electronic transaction method performed using a first mobile terminal, a second mobile terminal, and a management server connected to these mobile terminals via a network,
A location information transmission step in which the first mobile terminal transmits location information of the mobile terminal to the management server;
A portable terminal selection step in which the management server selects a second portable terminal based on the position information transmitted from the portable terminal;
A transaction confirmation request step in which the first portable terminal and the second portable terminal transmit a transaction confirmation request to the management server;
A request timing collation step in which the management server collates request timings of transaction confirmation requests from the first portable terminal and the second portable terminal;
The management server includes a transaction execution step of executing a transaction when the timing of the transaction confirmation request matches.

In a preferred embodiment of the present invention, the management server includes a storage step of storing the IDs of a plurality of mobile terminals, the IDs of the stores that have the respective mobile terminals, and store information including the location information of each store in association with each other. And
The portable terminal selection step of the management server includes
The use store specifying step of checking the location information of the first mobile terminal with the location information of each store stored in the storage step and specifying the use store of the first mobile terminal;
A portable terminal identification step of identifying a second portable terminal by collating the ID of the store using the first portable terminal with the ID of the store stored in the storage unit.

  In a preferred embodiment of the present invention, the use store specifying step further includes a store ID check for checking the use store ID input by the owner of the first portable terminal with the ID of each store stored in the storage unit. Has steps.

In a preferred embodiment of the present invention, the transaction confirmation request from the first portable terminal and the second portable terminal includes a payment confirmation request,
An authentication data creating step in which the first mobile terminal creates personal authentication data;
An authentication data transmission step in which the first portable terminal transmits the created authentication data to the management server;
The management server includes a personal authentication step of performing personal authentication by checking authentication data transmitted from the first portable terminal and personal authentication data registered in advance.
The same effects as those obtained when the electronic transaction system of the present invention is used can be obtained by the above electronic transaction methods.

  The electronic transaction system of the present invention performs electronic transactions such as point issuance and electronic payment at an actual store, without the need for direct communication between mobile terminals using a general-purpose mobile terminal. Make it possible.

It is explanatory drawing explaining the outline | summary of the electronic transaction system of this invention. It is a process flowchart for implement | achieving the electronic transaction system of Example 1. FIG. It is a figure which shows an example of the transaction screen of the 1st portable terminal used in Example 1. FIG. 3 is a functional block diagram illustrating a configuration of a first mobile terminal used in Embodiment 1. FIG. 3 is a functional block diagram showing a configuration of a second mobile terminal used in Embodiment 1. FIG. It is a functional block diagram which shows the structure of the management server used in Example 1. FIG. It is a process flowchart for implement | achieving the electronic transaction system of Example 2. FIG. 6 is a functional block diagram illustrating a configuration of a first mobile terminal used in Embodiment 2. FIG. It is a functional block diagram which shows the structure of the management server used in Example 2. FIG.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
FIG. 1 is a diagram illustrating an outline of an electronic transaction system 1 according to the present invention. The electronic transaction system 1 includes a first mobile terminal 100, a second mobile terminal 200, and a management server 300. The first portable terminal 100 and the second portable terminal 200 are connected to the management server 300 via a network 400 including a mobile phone base station.
The first portable terminal 100 is a portable terminal, a tablet computer, or the like held by a customer who wants to purchase a product at a store.
The second mobile terminal 200 is a mobile terminal owned by a store, a tablet computer, or the like.
The first portable terminal 100 and the second portable terminal 200 are used for transactions in the same store V indicated by a virtual line.
The management server 300 is a server owned by the operation manager of the electronic transaction system.

FIG. 2 is a flowchart for explaining an overview of the processing flow of the electronic transaction system 1 according to the embodiment of the present invention.
The first mobile terminal 100 owned by the customer transmits the current position information to the management server 300 based on the customer's operation such as starting up an application of the point issuing system, for example (S1).

  The management server 300 that has received the location information transmitted from the first mobile terminal 100 stores stores in the management server 300 in advance in the vicinity of the location of the first mobile terminal 100 based on the location information. The store information database is searched and a store list is created (S2). This store list is, for example, a list of store names, and the locations of the stores are arranged in order from the position of the first mobile terminal 100.

  In this store information database, a store name and an address, which are owned by a store using the system and used for the system, or from another terminal connectable to the network 400 via the network 400 in advance, In addition, information on the rate of points and benefits (coupon), and the ID of the portable terminal owned by the store and used for this system are registered (S0).

The management server 300 transmits the created store list to the first mobile terminal 100 (S3).
The first portable terminal 100 displays the store list transmitted from the management server 300 on the screen, and requests the customer to select a store for which points are desired (S4).
Subsequently, when the customer selects a use store using the touch panel of the first mobile terminal 100, the first mobile terminal 100 transmits the store ID of the use store to the management server 300 (S5).

The management server 300 collates the transmitted use store ID with the store ID registered in the store information database (S6), and specifies the use store of the first portable terminal 100 (S7).
Subsequently, with reference to the store information database, the mobile terminal having the mobile terminal ID associated with the ID of the use store is specified as the second mobile terminal 200 used for the transaction with respect to the first mobile terminal 100 (S8). ). Then, the management server 300 waits for a transaction request from the first mobile terminal 100 and the second mobile terminal 200 (S9).

  On the other hand, if the customer who owns the first mobile terminal 100 wishes to receive points and the store clerk of the store that owns the second mobile terminal 200 agrees to issue points to the customer, Both use each mobile terminal to create a transaction confirmation request (S10, S11). In the present embodiment, the transaction confirmation request from the first portable terminal 100 is a point acquisition request, and the transaction confirmation request from the second portable terminal 200 is a point issue request.

  The transaction confirmation request in the customer-side mobile terminal 100 can be made by performing an operation of gently shaking the mobile terminal 100 (tilting toward the second mobile terminal 200). In addition, the transaction confirmation request in the mobile terminal 200 on the store side is, for example, that the store clerk shakes the mobile terminal 200 lightly after inputting transaction data such as the purchase amount and points of the customer from the touch panel of the mobile terminal 200 (first operation). It can be created by performing an operation of tilting toward the portable terminal 100.

  FIG. 3 shows an example of a transaction data input screen (a) and an operation request screen (b) displayed on the screen of the second portable terminal 200.

The first portable terminal 100 that has received the input detects the lightly swinging motion using the mounted acceleration sensor, and creates a point acquisition request (S10).
On the other hand, after preparing the transaction data, the second portable terminal 200 that has received the input detects the above-described lightly swinging motion using the mounted acceleration sensor, and creates a point issuance request (S11).
By such a method, it is possible to create a transaction confirmation request by a sensuous operation of tilting and touching mobile terminals.
The transaction confirmation request can be created based only on an input from the touch panel of each mobile terminal.
The transaction confirmation request created in this way is transmitted from each portable terminal to the management server 300 (S12, 13). In this embodiment, after a transaction confirmation request is created, it is automatically transmitted to the management server 300.

  The management server 300 that has received these transaction confirmation requests determines whether or not the request timings of both coincide with each other (S14). Whether or not the request timings match can be determined by comparing the time when the request from each portable terminal is received and determining whether or not the request timing is within the scheduled range. If the request timings match, a point issuance and point acquisition transaction is executed (S15). And after recording a transaction result in a database (S16), a transaction result is transmitted to both the 1st portable terminal 100 and the 2nd portable terminal 200 (S17).

  The portable terminal 100 and the portable terminal 200 display the received transaction result (S18, S19). The transaction result includes, for example, information on transaction details such as the completion of transaction, the number of points issued, and the cumulative number of points (see FIG. 3C).

  On the other hand, if the request timings do not match, the mobile terminal 100 and the mobile terminal 200 are requested to retransmit the transaction request (S20). The customer and the store clerk who have each portable terminal requested to retransmit the transaction request perform an operation for creating the transaction request again. And each portable terminal creates a transaction request again (S10, S11), and transmits this (S12, S13). The subsequent flow is as described above.

  Further, from the first portable terminal 100, by accessing the transaction record database of the management server 300, the point acquisition history using the portable terminal can be browsed and searched. Further, by accessing the transaction record database of the management server 300 from the second portable terminal 200, the point issuance history using the portable terminal can be browsed and searched (FIG. 3 (d)). .

FIG. 4 is a configuration diagram of the first mobile terminal 100.
The first portable terminal 100 includes a CPU 101, an input unit 102, a display unit 103, a power supply unit 104, a wireless communication unit 105, a storage unit 107, a GPS chip 108, an acceleration sensor 109, a dedicated program, have. The CPU 101 is a central processing unit. The display unit 103 is a liquid crystal display or an organic EL display. The input unit 102 is a button key or a touch panel using the display unit 103.
The wireless communication unit 105 includes an antenna 106. The wireless communication unit 105 transmits and receives wireless radio waves via the antenna 106.
The power supply unit 104 stores electricity and supplies power to each circuit.
The storage unit 107 is a semiconductor memory.
The GPS chip 108 receives position information data.
The acceleration sensor 109 detects an operation given to the mobile terminal 100 from the outside.

Furthermore, the first portable terminal 100 includes a transaction confirmation request unit 120. The transaction confirmation request unit 120 includes a transaction confirmation request data creation unit 121 and a transaction confirmation request data transmission unit 122.
The transaction confirmation request data creation unit 121 creates transaction confirmation request data from the operation detected by the acceleration sensor 109. Further, the transaction confirmation request data transmission unit 122 transmits the transaction confirmation request data to the management server 300.
Each means is realized by a dedicated program, and functions by the CPU 101 interpreting and executing the dedicated program.

FIG. 5 is a configuration diagram of the second mobile terminal 200.
The second mobile terminal 200 also basically has the same configuration as the first mobile terminal 100. The description of the same configuration will be omitted by replacing the 100th code in FIG. 1 with the 200th code. Note that the second mobile terminal 200 does not necessarily have to include the GPS chip 208.
Further, the transaction confirmation request data creation unit 221 in the transaction confirmation request unit 220 in the second mobile terminal 200 further includes a transaction data input reception unit 221a that receives input of transaction data.

FIG. 6 is a configuration diagram of the management server 300.
The management server 300 includes a CPU 301, a network connection unit 302, a storage unit 303, and a dedicated program.
The CPU 301 is a central processing unit.
The network connection unit 302 is a LAN connection terminal. The network connection unit 302 receives data transmitted from the first mobile terminal 100 and the second mobile terminal 200 via the base station of the mobile phone.

The storage unit 303 is a semiconductor memory.
The storage unit 303 includes a store information database 304 that associates store IDs, store information including store location information and store name information, and IDs of portable terminals held by the store.
Furthermore, the management server 300 includes second mobile terminal selection means 305, request timing verification means 306 for verifying transaction request timing between mobile terminals, and transaction execution means 307.

The second portable terminal selection unit 305 identifies the second portable terminal 200 used for the transaction with respect to the first portable terminal 100 based on the position information of the first portable terminal 100.
The second portable terminal selection unit 305 includes a store list creation unit 305a that searches for stores from position information, a store list transmission unit 305b that transmits a list of searched stores to the first portable terminal 100, and a first portable terminal A portable terminal determination unit 305c that determines a second portable terminal based on store information used by a customer who owns the terminal 100;

The store list creation unit 305 a refers to the store information registered in the store information database 304 of the storage unit 303 based on the location information transmitted from the first mobile terminal 100, and is close to the first mobile terminal 100. Create a list of stores in
The store list transmission unit 305 b is connected to the network via the network connection unit 302 and transmits the created store list to the first mobile terminal 100.
The portable terminal determination unit 305c collates the location information of the first portable terminal and the store ID transmitted from the first portable terminal 100 with the store ID registered in the store information database 304 of the storage unit 303, and stores the store information. Based on the association between the store ID and the mobile terminal ID in the database 304, the mobile terminal ID held by the store is specified. As a result, the second portable terminal is selected.

The request timing verification unit 306 compares the reception time of the transaction confirmation request from the first portable terminal 100 with the reception time of the transaction confirmation request from the second portable terminal 200, and the difference between these times is a predetermined time. If it is, the transaction execution command is issued to the transaction execution means 307.
The transaction execution means 307 executes a transaction.
Each of the above means is realized by a dedicated program, and functions by the CPU 301 interpreting and executing the dedicated program.

Hereinafter, a payment system according to another embodiment of the present invention will be described with reference to FIGS.
The following embodiments can also be performed basically using the system shown in FIG. However, in the present embodiment, the management server 300 is connectable to an external server 500 (see FIG. 7) such as a credit card company via the network 400.

FIG. 7 shows a processing flow after the transaction request waiting S9 of the management server 300 shown in FIG.
When the customer who owns the first mobile terminal 100 and the store clerk who owns the second mobile terminal 200 agree to make a payment, they create a transaction confirmation request using their respective mobile terminals. To do.
The transaction confirmation request in the store-side mobile terminal 200 can be created by lightly shaking as in the first embodiment (S21, S22).
The transaction confirmation request created in this way is transmitted to the management server 300 (S23, S24).

The management server 300 that has received these transaction confirmation requests determines whether or not the request timings of both coincide with each other (S25). If the request timings coincide with each other, it connects to an external server 500 separately provided by a credit card company or the like, and requests settlement permission (S26).
On the other hand, if the request timings do not match, a retransmission request is transmitted to both the mobile terminal 100 and the mobile terminal 200 (S27).

The management server 300 receives the notification regarding the payment permission from the external server 500, and determines whether this is a payment permission notification (S28).
When the management server 300 receives the payment permission notification from the external server 500, the payment permission notification is transmitted to the first portable terminal 100 and the second portable terminal 200 (S29).
On the other hand, when the management server 300 is notified of the payment non-permission from the external server 500, the management server 300 transmits a payment non-permission notification to the portable terminal 200 (S30).
The second mobile phone displays a notification of settlement permission or disapproval on the screen (S31).

The first portable terminal 100 that has received the payment permission notification requests the customer (payer) to input authentication data (S32). As the authentication data, a personal identification number is given, but face authentication using a camera, gesture pattern authentication using an acceleration sensor, or the like may be used.
The first portable terminal 100 creates authentication data based on the customer input (S33). Subsequently, the created authentication data is transmitted to the management server 300 (S34).

The management server 300 collates the authentication data received from the first mobile terminal 100 and the authentication information database of the management server 300 with the personal authentication data registered in association with the mobile terminal ID of the transmission source. It is determined whether they match (S35).
As a result, when the authentication data matches the personal authentication data, the settlement is executed (S36). Then, after the settlement result is recorded in the storage unit (S37), it is transmitted to both the portable terminal 100 and the portable terminal 200 (S38). Each of the mobile terminal 100 and the mobile terminal 200 displays on the screen that payment has been completed (S39, S40).

On the other hand, if the authentication data does not match the authentication information, a request for retransmission of authentication data is transmitted to the mobile terminal 100 (S41).
The first portable terminal 100 requested to retransmit the authentication data requests the customer to input the authentication data (S32), and creates and transmits the authentication data again (S33, S34). The subsequent flow is as described above.

FIG. 8 is a configuration diagram of the first portable terminal 100 in the present embodiment.
The configuration of the first portable terminal 100 used in the present embodiment is basically the same as that used in the first embodiment described above, but further includes an authentication data creation unit 123 and an authentication data transmission unit 124. .
The authentication data creation unit 123 creates authentication data based on the input of the owner of the first mobile terminal 100.
The authentication data transmission unit 124 transmits the created authentication data to the management server 300.

  The configuration of the second portable terminal 200 in the present embodiment is basically the same as that used in Example 1 described above.

FIG. 9 is a configuration diagram of the management server 300.
The configuration of the management server 300 used in this embodiment is basically the same as that used in the first embodiment described above, but further includes an authentication unit 308 for performing personal authentication.
The authentication unit 308 collates the authentication data transmitted from the first portable terminal 100 with the authentication information stored in the authentication database 309 of the storage unit 303, and associates the authentication information stored in the authentication database 309 with the authentication information. Based on the mobile terminal ID, it is determined whether the operator of the mobile terminal is the person who has the right authority for payment.
Each of the above means is realized by a dedicated program, and functions by the CPU 301 interpreting and executing the dedicated program.

DESCRIPTION OF SYMBOLS 100 1st portable terminal 200 2nd portable terminal 300 Management server 400 Network 109,209 Acceleration sensor 120,220 Transaction confirmation request means 123 Authentication data creation means 124 Authentication data transmission means 303 Storage part 305 2nd portable terminal selection means 306 Request timing verification means 307 Transaction execution means 308 Authentication means

Claims (12)

An electronic transaction system having a first mobile terminal, a second mobile terminal, and a management server connected to these mobile terminals via a network,
The first portable terminal and the second portable terminal have transaction confirmation request means for transmitting a transaction confirmation request to the management server,
The management server
Mobile terminal selection means for selecting the second mobile terminal based on the position information of the first mobile terminal;
Request timing collating means for collating request timings of transaction confirmation requests from the first portable terminal and the second portable terminal;
A transaction execution means for executing a transaction when the timing of the transaction confirmation request matches,
Electronic trading system. The first mobile terminal and the second mobile terminal have an operation detection means for detecting an operation applied from the outside to each mobile terminal,
The transaction confirmation requesting means of the first portable terminal and the second portable terminal transmits a transaction confirmation request to the management server when the operation detecting means detects a predetermined operation. Electronic trading system. The management server includes a storage unit that associates and stores IDs of a plurality of mobile terminals, IDs of stores that hold each mobile terminal, and store information that includes location information of each store,
The portable terminal selection means of the management server is
The use store specifying means for checking the location information of the first mobile terminal with the location information of each store stored in the storage unit and specifying the use store of the first mobile terminal;
A portable terminal identification unit that collates the ID of the store using the first portable terminal with the ID of the store stored in the storage unit and identifies the second portable terminal;
The electronic transaction system according to claim 1. The use store specifying means further compares the use store ID input by the owner of the first portable terminal with the ID of each store stored in the storage unit, and determines the use store of the first portable terminal. Identify,
The electronic transaction system according to claim 3.   The electronic transaction system according to any one of claims 1 to 4, wherein the motion detection means of the first mobile terminal and the second mobile terminal includes an acceleration sensor.   The electronic transaction system according to any one of claims 1 to 5, wherein the transaction confirmation request from the first portable terminal and the second portable terminal is a point issue confirmation request and / or a settlement confirmation request. The transaction confirmation request from the first portable terminal and the second portable terminal includes a payment confirmation request,
The first portable terminal includes authentication data creation means for creating personal authentication data;
Authentication data transmission means for transmitting the created authentication data to the management server,
The transaction execution unit of the management server includes a personal authentication unit that performs personal authentication by comparing authentication data transmitted from the first portable terminal with pre-registered personal authentication data.
The electronic transaction system in any one of Claims 1-6.   The electronic transaction system according to claim 7, wherein the personal authentication data is a gesture pattern, and the authentication data creating means includes an acceleration sensor. An electronic transaction method performed using a first mobile terminal, a second mobile terminal, and a management server connected to these mobile terminals via a network,
A location information transmission step in which the first mobile terminal transmits location information of the mobile terminal to the management server;
A portable terminal selection step in which the management server selects a second portable terminal based on the position information transmitted from the portable terminal;
A transaction confirmation request step in which the first portable terminal and the second portable terminal transmit a transaction confirmation request to the management server;
A request timing collation step in which the management server collates request timings of transaction confirmation requests from the first portable terminal and the second portable terminal;
A management server has a transaction execution step of executing a transaction when the timing of the transaction confirmation request matches,
Electronic trading method. The management server includes a storage step of storing an ID of a plurality of mobile terminals, an ID of a store holding each mobile terminal, and store information including position information of each store in association with each other,
The management server portable terminal selection step includes:
The use store specifying step of checking the location information of the first mobile terminal with the location information of each store stored in the storage step and specifying the use store of the first mobile terminal;
A portable terminal identification step of collating the ID of the store using the first portable terminal with the ID of the store stored in the storage unit and identifying the second portable terminal;
The electronic transaction method according to claim 9. The use store specifying step further includes a store ID checking step for checking the use store ID input by the owner of the first portable terminal with the ID of each store stored in the storage unit.
The electronic transaction method according to claim 10. The transaction confirmation request from the first portable terminal and the second portable terminal includes a payment confirmation request,
An authentication data creating step in which the first mobile terminal creates personal authentication data;
An authentication data transmission step in which the first portable terminal transmits the created authentication data to the management server;
The management server has a user authentication step of performing user authentication by comparing authentication data transmitted from the first portable terminal and user authentication data registered in advance.
The electronic transaction method in any one of Claims 9-11.

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