JP3324993B2 - Payment system - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a toll settlement apparatus for inputting a password and using a settlement card to settle, deposit, withdraw, transfer, and the like.

[0002]

2. Description of the Related Art Conventionally, when making a purchase at a store, when paying with a card, the user goes from the position where the product is placed to a place where a terminal for inputting a personal identification number is provided, and enters a personal identification number. To pay by card. The terminal for inputting the password was fixedly arranged or movable, but was connected by a cord and could only move about 1 meter.

In the case of payment by card at a parking lot,
I got out of the car at the exit, went to the input terminal, entered my PIN, and paid. In an automatic cash depositing machine (ATM) of a bank, a personal identification number is input from an operation unit of the ATM to perform deposit, withdrawal, transfer, and the like.

[0004]

In order to pay by card at the time of purchasing a product, it is necessary to go to the position where the terminal is provided, which is rude to the customer. Getting out of the car at the parking lot and paying the bills was troublesome. In particular, when inputting a password, it takes time at the exit and congestion occurs in a large parking lot. At the exit, the parking ticket and card are handed over to the attendant without getting off the car to settle the fee.However, in such a case, the card is used to process the transfer from the bank account or to provide credit to the credit company. There is a problem that it takes ten and several seconds to perform the inquiry process, and traffic congestion occurs during the ten and several seconds.

[0005] Even in deposits at ATMs in banks and the like, it takes a relatively long time to input a personal identification number, causing a queue.

[0006]

According to the present invention, a mobile terminal for payment is used, and the mobile terminal for payment reads a payment card on which data necessary for payment at a payment institution is recorded. Enter a number, write the entered card PIN and the read card data in a data carrier card in the same format as a conventional credit card, debit card, cash card, IC card, etc. Using a card, payment can be made by a management computer such as a POS register in the same manner as in conventional card processing.

[0007] Means for wirelessly transmitting the card data read by the mobile terminal for settlement and the input personal identification number is provided, and receiving means for receiving the wireless data and inputting it to the management computer is provided. Can be replaced by

[0008]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The technique of the present invention will be described with reference to FIG. The payment card 1 records data (hereinafter referred to as card data) required for payment at a financial institution, such as a financial institution code and an account number. These are debit cards, cash cards, IC cards, and the like. Is used.

[0009] The payment portable terminal 2 can read card data of the payment card 1, input data required for payment such as a card PIN, and temporarily store the data, and write data to the data carrier card 3. That can be carried by individuals. The data carrier 3 is similar to a cash card, a debit card, or the like, and is configured by a magnetic card, an IC card, or the like, and allows the card reader 4 to read data. The read data is processed by the management computer 5, sent to the financial institution device 7, and settled. The management computer 5 also serves as, for example, a cash register (POS register), and inputs a product code, a slip number, an amount, and the like.

Data carrier card 3, card reader 4
May be omitted, and the receiver 6 may receive the data transmitted from the mobile terminal for payment 2 and input the data to the management computer 5. An example in which the present invention is applied to a case where a product is purchased at a store and payment is made with a debit card will be described. FIG. 2 shows the detailed functional configuration of the mobile terminal 2 for payment, and FIG. 3 shows the flow of the entire process.

The clerk turns on the power of his or her mobile payment terminal 2
N is activated (S1), and a data PIN 25 (for example, an employee number or a terminal registration number) is input by operating the data input unit 25 composed of numeric keys (S2). The input terminal password is stored in the memory unit 27. The terminal ID unit 21 has a terminal ID which is information unique to the mobile terminal 2 for settlement.
(Identifier) is stored, and the terminal security code and terminal ID
Are linked (S3). The terminal ID and the terminal password are registered in the management computer 5 in advance. The terminal ID of the terminal ID section 21 cannot be changed from outside, and its contents cannot be known from outside.

The customer receives the payment portable terminal 2, inserts the payment card 1 into the card reader / writer section 24, and reads the card data of the payment card 1 (S4). The read card data is stored in the memory unit 27.
Further, the user operates the data input unit 25 to input a card password (S5), stores the card password in the memory unit 27, and links the card data and the card password (S6).

Next, by inputting and operating the data carrier card 3 in the card reader / writer unit 24, the card data, card password, terminal ID and terminal password are encrypted by the encryption unit 26 and linked. Write the linked data to the data carrier card 3 (S
7). In this state, the data carrier card 3 has a terminal PIN, a terminal ID, and a card PIN in addition to the data of a normal debit card. Therefore, the data carrier card 3 can perform the same processing as the payment processing using the conventional payment card.

The management computer 5 according to the purchased product
Is input with a product code, a slip number, and an amount (S8).
The data carrier card 3 is inserted into the card reader 4 to read data. Decrypts the read data,
The decrypted terminal ID and terminal PIN are collated with those stored in the management computer 5 in advance to authenticate that the data is valid from the payment mobile terminal 2 (S
9). If the authentication is successful, the encrypted card data, card PIN and product code, slip number, and amount are linked (S10) and transmitted to the financial institution device 7 (S11).

The financial institution apparatus 7 decodes the card data and the card password, confirms the validity based on the card password, and performs settlement such as withdrawing the received amount from the account number deposit. When the settlement is completed, a notice indicating the settlement is sent to the management computer 5 (S12), and whether or not the settlement is possible is displayed and printed on the management computer 5 (S13).

Operations such as data reading, writing, encryption, and transmission on the settlement portable terminal 2 are performed by the data operation unit 28. Instead of using the data carrier card 3, the encrypted data may be transmitted from the data transmission unit 23 to the reception unit 6 by infrared rays, radio waves, or the like, and the data received by the reception unit 6 may be input to the management computer 5. FIG. 4 shows an example of the appearance of a mobile terminal for payment. The body 200 has a thin rectangular case shape, and has a numeric keypad data input section 2 on one side.
5. A data display unit 29 and a data operation unit 28 are provided, and a card insertion groove 201 is formed on one side surface along the longitudinal direction, and a magnetic card is inserted and moved to perform reading or writing. An IC is provided at the center of the card insertion groove 201.
A card insertion hole 202 is formed. Body 200
A magnetic card reader / writer 203 is provided on one side of the card insertion groove 201 inside the IC card insertion hole 20.
2, an IC card reader / writer 204 is provided. When the magnetic card is passed through the groove 201, the IC card does not come into contact with the IC card reader / writer 204, and when the IC card is inserted into the card insertion hole 202, the IC card does not come into contact with the magnetic card reader / writer 203. In this way, the magnetic card reader / writer 203 and the IC card reader / writer 204 are shifted from each other so that the read / write function does not deteriorate due to insertion / removal of the other card. The data transmission unit 23 is arranged at one corner of the body 200.

Next, an example in which the present invention is applied to the settlement of a parking fee at a parking lot will be described. FIG. 5 shows the overall configuration, FIG. 6 shows the functional configuration of each unit, and FIG. 7 shows the flow of processing. The customer who uses the parking lot turns on the mobile terminal 2 for payment and turns it on (S1), operates the data input unit 25 to input a terminal password, and stores it in the memory unit 27 (S2). The terminal password and the terminal ID of the terminal ID section 21 are linked (S3).

The payment card 1 is inserted into the card reader / writer section 24 of the payment portable terminal 2 to read the card data and stored in the memory section 27 (S4). Further, the user operates the data input unit 25 to input a card password and stores it in the memory unit 27 (S5). When the switch of the data operation unit 28 is pressed, the card data, the card password, the terminal ID, and the terminal password stored in the memory unit 27 are encrypted by the encryption unit 26 and transmitted from the data transmission unit 23 (S6). ).

This transmission data is received by the entrance receiver 8 provided at the entrance of the parking lot, and is input to the management computer 5. Further, the encrypted terminal ID and terminal PIN are decrypted by the decryption unit 58, and the decrypted terminal ID and terminal PIN are stored in the ID authentication / collation unit 53 by the terminal ID and terminal PIN stored in advance. The password is compared with the personal identification number (S7). If the authentication is passed, a control signal for opening the gate is sent from the gate control unit 47 to the gate to allow the vehicle to pass (S7).
8). At this time, the entry time is acquired from the clock unit 55, and the correspondence between the entry time and the terminal ID is recorded in the settlement processing unit 54. The inquiry management unit 52 sends the encrypted card data and the card password to the toll settlement machine 7 via the modem unit 56 to make an inquiry (S9).

In the toll settlement machine 7, the encrypted data sent from the management computer 5 is received by the modem unit 71, decrypted by the decryption unit 76, and the decrypted card data (financial institution code, account number) and card The password is authenticated by the authentication unit 73 to check whether the password is correct. If the password is passed, the inquiry management unit 74 inquires whether the account number has a sufficient balance for paying the parking fee. A reply to the presence or absence of the balance is sent to the management computer 5 via the modem unit 71. When the management computer 5 receives the reply inquiry data, the settlement processing unit 54 stores the reply inquiry data together with the terminal ID and the entrance time which are stored in correspondence (S10). If the payment card 1 is a credit card, the charge settlement machine 7 checks whether the credit card can be settled by the card, and if the credit card is accepted, notifies the management computer 5 of the check.

At the time of participation, the terminal ID, terminal PIN, card data,
The card password is transmitted by the data transmission unit 23, received by the exit receiver 9 provided at the exit, and input to the management computer 5 (S11). The management computer decodes the terminal ID and the terminal password, and calculates a parking fee by the settlement processing unit 54 from the entry time corresponding to the terminal ID and the time at which the vehicle exits (current time) (S12). If credit is given to the decrypted terminal ID by the reply inquiry data, participation is permitted, a control signal is transmitted from the gate control unit 57 to open the gate, and the vehicle can enter (S13).

Thereafter, the encrypted card data, the card password and the calculated parking fee are sent to the toll settlement machine 7 via the modem 56 (S14). In the toll settlement machine 7, the data received by the modem unit 71 is decrypted by the decryption unit 76, and the authentication unit 73 authenticates the card password. Withdraw the parking fee from the deposit and deposit to the parking account number. When the settlement process is completed, a notice of settlement completion is sent to the management computer 5. When the management computer 5 receives the settlement end notification, it notifies the settlement processing unit 54
The corresponding terminal ID is stored (S15).

As described above, the customer only needs to operate the payment portable terminal 2 and does not need to get off the vehicle. Also, while parking,
By inquiring the payment institution whether the customer has the payment ability, at the time of participation, the gate is opened immediately after receiving and authenticating the terminal ID, and the payment processing can be performed thereafter. The processing time at the exit can be reduced by the time required for the processing, and the entry processing can be performed quickly.

There is a parking lot in which a toll is paid by a pre-payment machine before getting on a car when coming from a parking lot, and then the ticket is passed to an exit gate to enter. The processing at the time of entry in this case is the same as the processing shown in FIG. At the time of participation, as shown in FIG. 8, the terminal ID and the terminal PIN, the card data and the card PIN if necessary are transmitted from the settlement portable terminal 2 to the prepaid machine (management computer) (S1),
When the prepaid machine receives this data, it calculates the parking fee from the entry time (current time) and the entry time (S2), and transmits the card data, the card password and the fee to the financial institution device (S3). When the settlement processing is completed by the device and the notification is received from the financial institution device, the fact is stored as the processed data corresponding to the settlement processing unit (S4). At the exit gate, the terminal I
Only D is transmitted from the mobile terminal for settlement (S5), the terminal ID is authenticated, and if it passes, the entry is permitted and the gate is opened (S6).

Next, an example in which the present invention is applied to an account transfer at an ATM will be described with reference to FIG. The staff member turns on the power of the mobile terminal for settlement and activates the terminal (S1), inputs a terminal PIN by operating the numeric keypad (S2), links the terminal PIN and the terminal ID, and stores them in the memory unit (S3). The customer receives the mobile terminal for payment, the customer reads the payment card on the mobile terminal for payment (S4), and further sequentially inputs the amount to be transferred, the transfer destination account number, and the card PIN, and stores them in the memory unit. (S5, S6, S7). Card data, amount, card PIN, transfer destination account number, terminal I
D, link the terminal security code (S8).

The linked data is written into a data carrier card, and this data carrier card is inserted into the payment card slot of the ATM terminal, and is read by the ATM terminal (management computer). The terminal ID and terminal PIN received in the ATM terminal are authenticated (S9), and if the authentication is successful, the card data, card PIN, amount, and transfer destination account number are sent to the financial institution device (S10). The financial institution apparatus authenticates the received card encryption number, and if passed, transfers the amount received from the account of the account number in the card data and deposits the received amount into the account of the transfer destination account number. When this process is completed, the end notification is sent to the ATM terminal, and when the end notification is received by the ATM terminal, the completion of the transfer is displayed on the display unit of the ATM terminal (S12).

In this manner, the user inputs the amount of money, the account number of the transfer destination, and the card password to the mobile terminal for settlement, and causes the ATM terminal to read them all at once using a data carrier card. On the other hand, the time during which the customer occupies the ATM terminal is significantly reduced as compared with the case where the customer directly performs each of the above inputs. In the case of not only transfer but also deposit and withdrawal processing, the time for using the ATM terminal can be shortened by applying the present invention in the same manner.

In the above description, in a payment portable terminal or the like, the card PIN is erased once read,
Enhance safety by leaving nowhere. Further, the card password is erased after a certain period of time by using a timer, for example. In this case, in the example of the parking lot,
When sending an inquiry by sending card data and a card PIN in the entry process, the card data and the card PIN are required for the payment in the entry process. You need to re-enter the terminal.

The present invention can be applied not only to parking lots, but also to toll settlements in places where entry and exit occur in limited areas such as taxis, amusement parks, theme parks, hotels, aircraft, and bullet trains. In such a case, even if the card reader reads the payment card directly and enters the PIN, without using the payment mobile terminal, it is necessary to make an inquiry between the entry and the exit. By
The time required for participation can be reduced.

In the above description, a plurality of terminal IDs are prepared, one of which is used for authentication, which cannot be viewed by anyone from outside, and the other terminal ID is used for data processing and can be viewed. The terminal ID is used for managing the mobile terminal for settlement, for attaching a use history, and the like. In the case of the above-mentioned transfer, instead of inputting the transfer destination account number by operating the numeric keypad, the second payment card is read by the card reader unit, and the card PIN is input by operating the numeric keypad, From the account with the account number on the first payment card,
It is also possible to transfer the input amount to the account of the account number of the payment card.

In the above description, the card data, the card password, the terminal ID, and the terminal password are written in the data carrier card. As in the above-mentioned parking lot, in the toll settlement involving entry and exit, after a predetermined time has passed after entering and performing an inquiry inquiry, the payable amount given by the balance inquiry and the authorization in the inquiry inquiry is given first. In such a state, the fee is exceeded. In such a case, an inquiry about whether the fee can be paid for the fee higher than the previous time can be made.

[0032]

As described above, in an apparatus using a data carrier card, for example, when paying by card at the time of purchasing a product, it is not necessary for the customer to move to the position where the card processing terminal is provided. The clerk may carry the data carrier card to the card processing terminal (management computer) and perform the processing.

Further, the card processing terminal is the same as the conventional one, and the data carrier card is inserted into the card processing terminal without modification, that is, as if the payment card was directly inserted into the card processing terminal. To be processed. This is the same for the processing at the ATM terminal, and the data carrier card can be read without modifying the ATM terminal.
The time occupying the TM terminal can be reduced.

When data is transmitted from the data transmitting unit of the payment portable terminal, it is necessary to particularly provide a receiving unit on the management computer side. However, data writing to the data carrier card and data on the data carrier card are transmitted to the management computer. The trouble of reading is eliminated. By performing a balance inquiry and an authorization inquiry from entry to entry in the toll settlement with entry and exit like a parking lot from entry to entry, you can enter at the exit only by authentication of terminal ID and terminal PIN, Thereafter, the fee settlement process can be performed, and the entry process at the exit can be quickly performed.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a technique of the present invention.

FIG. 2 is a block diagram showing a functional configuration of the mobile terminal for payment 2 in FIG. 1;

FIG. 3 is a diagram showing the flow of processing shown in FIG. 1.

FIG. 4 is a perspective view schematically showing the appearance of the mobile terminal for payment 2;

5 is a block diagram illustrating a real施例of the present invention.

FIG. 6 is a block diagram showing a functional configuration of each unit in the embodiment of FIG. 5;

FIG. 7 is a diagram showing a processing flow of the embodiment of FIG. 5;

FIG. 8 is a diagram showing a processing flow of a partially modified example of the embodiment of FIG. 5;

FIG. 9 is a diagram showing a processing flow of still another embodiment of the present invention.

──────────────────────────────────────────────────続 き Continuing on the front page (72) Inventor Mori Fusao 1-21-2 Dogenzaka, Shibuya-ku, Tokyo Inside Japan Aviation Electronics Industry Co., Ltd. (72) Inventor Tsubasa Oshima 16-4 Kamiyamacho, Shibuya-ku, Tokyo (56) References JP-A-4-253695 (JP, A) JP-A-4-363790 (JP, A) JP-A-10-40430 (JP, A) (58) Field (Int.Cl. ⁷ , DB name) G06F 17/60 G07G 1/12 G07G 1/14 JICST file (JOIS)

Claims (2)

(57) [Claims] 1. A structure of a toll settlement device comprising an entrance receiver provided at an entrance of a parking lot for receiving data sent from a mobile terminal for settlement, an exit receiver provided at an exit, and a management computer. In, the terminal ID in the data received by the entrance receiver and the terminal PIN number are collated, and if this authentication is passed, the gate is opened and the vehicle enters, and the terminal ID and the entry time of the vehicle are Means for sending inquiry data comprising card data and a card PIN in the data received by the entrance receiver to a financial institution device; and sufficient means for payment of a parking fee received from the financial institution device. Means for storing reply inquiry data on the presence or absence of the balance together with the terminal ID and the entry time of the vehicle, and a terminal ID in the data received at the time of entry by the entrance receiver The parking fee is calculated from the entry time and the entry time, and if credit is given by the reply inquiry data, a gate is opened to permit entry of the vehicle, and the card data and card PIN are entered. And transmitting the calculated parking fee to the financial institution device. 2. A means for detecting when a predetermined time elapses after passing the authentication of the entrance, and means for inquiring of the settlement institution apparatus whether or not the corresponding fee can be settled after the elapse of the predetermined time by the detection. The charge settlement device according to claim 1, further comprising: