JP3507315B2 - Authentication settlement system - Google Patents

Authentication settlement system

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JP3507315B2
JP3507315B2 JP32265697A JP32265697A JP3507315B2 JP 3507315 B2 JP3507315 B2 JP 3507315B2 JP 32265697 A JP32265697 A JP 32265697A JP 32265697 A JP32265697 A JP 32265697A JP 3507315 B2 JP3507315 B2 JP 3507315B2
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authentication
settlement
user
id
company
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JP32265697A
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JPH11154260A (en )
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雅夫 小島
貢司 石川
俊哉 磯部
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住友商事株式会社
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【発明の詳細な説明】 【0001】 【発明の属する技術分野】この発明は例えば認証(クレジット)カードを用いて利用者の識別情報を、例えば商店などの利用機関に示し、そのクレジットカードの発行会社を通じてその利用者の金融機関の口座より、前記商店に対する買物の支払を決済する際のその利用者の識別情報を認証し、決済を行うようにする認証決済装置に関する。 BACKGROUND OF THE INVENTION DETAILED DESCRIPTION OF THE INVENTION [0001] The identity of the user by using this invention include, for example authentication (credit) card, for example, shown in use institutions such as shops, issue of the credit card from the account of the financial institutions of the user through the company, it authenticates the user identification information at the time to settle the payment of shopping for the shop, on the authentication settlement device to perform the settlement. 【0002】 【従来の技術】従来においては認証用識別情報と、決済用識別情報とが一致していた。 [0002] and the authentication identification information in the Related Art, and a settlement for the identification information was consistent. つまり利用者がある商店で買物をクレジットカードで行う場合、利用者が所有し、かつその商店が取扱っているクレジット会社(機関)のクレジットカードをその商店のそのクレジット会社の端末に装着して、そのクレジットカードの利用者の識別情報(以下IDと記す)が正しいものであることを認証し、その認証したIDを用いて、買入金額(支払うべき金額)などと共に決済情報として決済機関へ送り、 That is the case of the shopping in shops where there is a user with a credit card, owned by the user, and wearing the credit card of a credit card company (organization) that are dealing is the shop to the credit company of the terminal of the shop, It certifies that the credit card (hereinafter referred to as ID) identification information of the user of is correct, using the authentication the ID, sent to the clearing house as payment information together with such purchase payment amount (amount to be paid) ,
決済を行っている。 It is doing a settlement. つまり決済に用いるその利用者やI This means that the users and I to be used for settlement
Dは、認証時のIDと同一であった。 D was the same as the ID at the time of authentication. 【0003】 【発明が解決しようとする課題】従来においては認証用のIDと決済用のIDとが同一であり、従って商店や駐車場など各種支払を必要とする利用機関において、取扱うクレジット会社の全てではなく、一部のクレジット会社だけの場合が多く、また利用者は複数の金融機関やクレジット会社を利用している場合が多い。 [0003] In the conventional [0005] and the ID for a settlement with the ID for authentication are the same, and therefore in the use institutions that require a variety of payment such as shops and parking lots, handling of the credit company but not all, in many cases only part of the credit company, also the user in many cases are using multiple financial institutions and credit companies. このような関係から利用者は複数のクレジットカードを所持する必要があり、つまり複数のIDを用いることになり、何枚ものクレジットカードを常時所持することは負担になり、 User from such a relationship, it is necessary to possess a multiple of credit card, that will be the use of a plurality of ID, be possession at all times even credit card of many pieces become a burden,
また複数のIDを区別して、例えば商店の端末に入力することは、間違いのもとになり、不便であった。 Also possible to distinguish between multiple ID, and input, for example, to the shop of the terminal is made on the basis of the mistake, which is inconvenient. 【0004】 【課題を解決するための手段】請求項1の発明によれば例えば商店などの利用機関に設けられ、各利用者の認証用IDと、その決済用IDとの対応が認証・決済IDメモリに格納され、利用者からの認証用IDが受信されると、前記メモリを参照して、その認証用IDと対応する決済用IDを得、これとその時の支払情報などの決済情報とが決済機関へ送出される。 [0004] Means for Solving the Problems] provided institutes, such as according Invite example shops to the invention of claim 1, corresponding authentication and settlement and authentication ID of each user, and their settlement ID stored in the ID memory, the authentication ID from the user is received, by referring to the memory, to obtain a settlement ID and its corresponding authentication ID, which and the settlement information, such as payment information at that time There is sent to the clearing house. 【0005】請求項2の発明によれば、例えばセンタに設けられ、利用者の認証用IDと、利用機関の識別データと決済用IDとの関係が認証・決済IDメモリに格納され、認証用IDと利用機関の識別データとが受信されると、この受信認証用IDと利用機関の識別データに対応する決済用IDを前記認証・決済IDメモリを参照して得、この決済用IDと受信した支払情報などの決済情報とが決済機関へ送出される。 [0005] According to the invention of claim 2, for example, installed in a center, and the authentication ID of the user, the relationship between the settlement ID and the identification data of the user organizations are stored in the authentication and settlement ID memory, authentication If the identification data ID and user organizations are received, the settlement ID corresponding to the identification data of the received authentication ID and user organizations obtained by referring to the authentication and settlement ID memory, and receiving the settlement ID and payment information such as payment information is sent to the clearing house. 【0006】なお、認証用ID、識別データ、決済用I [0006] In addition, the authentication ID, identification data, the settlement for I
Dは、会社内の使用であれば社員番号、氏名、会員制のクラブなどでは会員番号、銀行決済の場合は、口座番号も含まれる。 D is, employee number if it is used within the company, name, membership number in, such as membership of the club, in the case of bank settlement, account number is also included. 【0007】 【発明の実施の形態】図1Aに請求項1の発明の実施例を示す。 [0007] shows an embodiment of the invention of claim 1 DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENT Figure 1A. この前提として、各商店、各駐車場などの利用機関が各利用者A、B、C、…ごとにこれら利用機関に共通の認証用IDA、IDB、IDC…をそれぞれ予め発行し、また各利用機関には、その利用者の認証用ID As this premise, each shop, institutes each user A, such as the parking lot, B, C, common authentication for the IDA to these user organizations in each ..., IDB, issued in advance IDC ..., respectively, and each use the agency, the authentication ID of the user
とその利用機関での支払に用いるクレジット会社の決済用IDを登録してある。 And it has registered a settlement for the ID of the credit company to be used for payment at the user organizations. これは利用者がクレジット会社と契約した際に、その利用者が利用する各利用機関へその利用者認証用IDとその決済用IDとが予め送られてある。 This is when the user has a contract with the credit card company, the user authentication for ID to each user organizations to which the user to use and its settlement ID is are sent in advance. 【0008】認証・決済IDメモリ11が設けられ、例えば利用者Aの認証用IDAに対しては、a社の決済用IDaaが、利用者Bの認証用IDBに対してはb社の決済用IDbbがそれぞれ格納されている。 [0008] authentication and settlement ID memory 11 is provided, for example with respect to the authentication for the IDA of the user A, a company of the settlement for IDaa is, for the settlement b's for authentication for use by the IDB of the user B IDbb are stored. 利用者Aが例えば商店で買物をしてクレジットで支払を行う場合は、その利用者が所持している発信部12から認証用I If user A is to make payments by credit to shop, for example, in the shops, the authentication for the I from the sending unit 12 to which the user is in possession
DAを、その認証決済装置の受信部13へ送信する。 The DA, is transmitted to the receiving unit 13 of the authentication settlement system. 発信部12にはその利用者の認証用IDAが格納され、発信部12がその利用者Aに予め渡されてある。 The sending unit 12 is stored authentication IDA of the user, transmitting unit 12 are passed in advance to the user A. 前記送信は電流源、電波光などの無線により、予め記憶された認証用IDAの送信が例えば起動スイッチにより自動的に行われる場合や、磁気カードを端末に装着することにより、その記録された認証用IDAが読出されて、受信される場合などがある。 The transmission current source, the wireless radio wave beam, or when transmission of previously stored authentication IDA, for example, performed automatically by the start switch, by mounting the magnetic card to the terminal, the recorded authentication use IDA is read, and the like when it is received. 【0009】受信部13で受信された認証用IDAは認証処理部14でその認証用IDAと認証・決済IDメモリ11の認証用IDとを参照し、一致した認証用IDがあれば、その認証用IDAに対するa社用の決済用ID [0009] authentication IDA received by the receiving unit 13 refers to the authentication ID of the authentication and settlement ID memory 11 and its authentication IDA in the authentication processing unit 14, if there is matching authentication ID, the authentication settlement for the ID of a company for the use IDA
aaを読出し、これら認証用IDAと決済用IDaaとを決済処理部15へ送る。 It reads aa, Send these authentication IDA and settlement IDaa to the settlement processing unit 15. 決済処理部15は受取った認証用IDA、決済用IDaaと、金銭登録機16からのその利用者がその利用機関に対し、支払うべき金額、日付などの決済されるべき情報(以下決済情報と記す)とが決済データメモリ17に記録されると共に、 モデムな<br>どの送信部18により通信網を通じて金融機関へその決済情報が送信される。 Payment processing unit 15 for authentication IDA received, referred to as a settlement for IDaa, with respect to the user is the user organizations from the cash register 16, the amount to be paid, and the information should be settled, such as the date (following settlement information ) and with are recorded in the settlement data memory 17, the payment information to a financial institution through the communications network is transmitted by the modems <br> which transmission unit 18. 【0010】同様にして、利用者Cがその利用機関を利用すると、認証用IDCと、c社用の決済用IDccとその時の利用決済情報とが決済データメモリ17に記録されると共に金融機関へ送信される。 [0010] In the same manner, when the user C is to utilize the user organizations, to financial institutions together with the authentication for the IDC, the settlement for IDcc of c company and the use of settlement information at that time is recorded in the settlement data memory 17 It is sent. 利用機関が異なれば、利用者の都合に応じて、異なるクレジット会社を利用できる。 Different user organizations, depending on the convenience of the user, can use a different credit company. 他の利用機関に対し、例えば図1Bに示すように、その認証・決済IDメモリ11には、利用者AのIDAに対し、b社の決済用IDabが格納され、利用者BはそのIDBに対し、b社の決済用IDbbが格納され、利用者CはそのIDCに対し、a社の決済用ID To other user organizations, for example, as shown in FIG. 1B, the the authentication and settlement ID memory 11, to IDA of the user A, b company settlement IDab is stored in the user B is in the IDB against, b, Inc. settlement IDbb is stored in the user C is for that IDC, a company settlement ID of
caが格納される。 ca is stored. 【0011】このように利用者は1つの認証用IDをもつだけで、複数のクレジット会社のクレジットで決済することができる。 [0011] In this way the user only has one of the authentication ID, can be settled in more than one credit card company of the credit. 認証・決済IDメモリをセンタに設けることもできる。 It is also possible to provide the authentication and settlement ID memory to the center. その例を図2に図1と対応する部分に同一符号を付けて示す。 It is shown by the same reference numerals to portions corresponding to the example of FIG. 1 in FIG. この場合は利用機関21において利用者Aが発信部12より認証用IDAを受信部13 In this case the receiving unit 13 the authentication IDA from sending unit 12 by the user A in the user organizations 21
へ送ると、その受信したIDAと、金銭登録機16からのその時の利用者の決済情報と、その利用機関21の識別データbとを送信部22により通信網23を通じてセンタに設けられた認証決済装置24へ送信する。 When sent to the IDA which the received monetary and then the user of the payment information from the registration device 16, authentication payment provided to the center through the communication network 23 by the transmitter 22 and the identification data b for the user organizations 21 It is transmitted to the device 24. センタの認証決済装置24は受信部25で受信した利用機関2 Use authentication settling apparatus 24 of the center is received by the receiver 25 engine 2
1からの情報を受信し、認証処理部14で受信した認証用IDAと利用機関識別データで認証・決済IDメモリ11を検索する。 Receiving information from the 1, it searches the authentication and payment ID memory 11 in institutes identification data and authentication IDA received by the authentication processing unit 14. 【0012】このセンタの認証決済装置24においては、認証・決済IDメモリ11は、各利用者認証用ID [0012] In the authentication settlement apparatus 24 of this center, the authentication and settlement ID memory 11, ID for each user authentication
ごとにその利用者が利用する各利用機関の識別データとその利用機関ごとに利用するクレジット会社のその利用者決済用IDとが格納されている。 The user identification data of each user organizations to use and the user settlement ID of the credit card company to be used for each that use engine is stored in each. 例えばIDAに対し、あ商店に対してはa社の決済用IDaa、い商店に対してはb社の決済用IDab、う駐車場に対してはc For example, with respect to IDA, Oh a company of settlement for IDaa for shopping, have c for b's settlement IDab, cormorants parking for shopping
社の決済用IDacがそれぞれ格納されている。 Company settlement IDac are stored each. IDB IDB
に対するように、あ商店、い商店の両者に対して共にb As for the, Oh shop, with him to the shops of both b
社の決済用IDbbを登録格納することもある。 Also be registered store the company's settlement IDbb. 【0013】受信情報の認証用IDがIDA、利用機関識別データがい商店であれば、b社の決済用IDであるIDabが取出される。 [0013] The authentication ID of the received information is IDA, if the shopping There are user organizations identification data, is a b Company settlement ID of IDab is taken out. 認証処理部14は、取出したI The authentication processing unit 14, the extracted I
Dabと、利用機関21から受信したIDA、決済情報、利用機関識別データとを決済処理部15へ送り、決済処理部15はその受信情報を決済データメモリ17に記録すると共に送信部18から金融機関へ送信する。 Dab and, IDA received from user organizations 21, payment information, send and institutes identification data to the settlement processing unit 15, the financial institution from the transmitting unit 18 together with the payment processing unit 15 records the received information to the settlement data memory 17 to send to. 【0014】図3はこの発明の更に他の実施例を示し、 [0014] Figure 3 shows yet another embodiment of the present invention,
図1、図2と対応する部分に同一符号を付けてある。 1, we are given the same reference numerals to portions corresponding to FIG. 2. これはセンタに図2中に示した認証・決済IDメモリ11 Authentication and settlement ID memory 11 which is shown in FIG. 2 to the center
を設け、利用機関21で認証用IDを受信すると、その認証用IDと、その利用機関の識別データとを送受信部28から通信網を通じてセンタ29へ送信する。 The provided, upon receiving the authentication ID in user organizations 21, and the authentication ID, and transmits the identification data of the user organizations to the center 29 via the communication network from the transceiver 28. センタ29では認証処理部14が送受信部31で受信した利用機関21からの認証用IDと、利用機関識別データとを用いて、認証・決済IDメモリ11(図2中のそれと同様のもの)を検索して対応する決済用IDを取出し、送受信部31より利用機関21へ送信する。 And the authentication ID from the user organizations 21 the authentication processing unit 14 in the center 29 is received by the transceiver unit 31, by using the available engine identification data, the authentication and payment ID memory 11 (Figure 2 in similar ones) retrieves the settlement ID retrieved by the corresponding, it transmits from the transmitting and receiving unit 31 to the user organizations 21. 利用機関21 User organizations 21
は送受信部28で受信した決済用IDと、先に受信部1 A settlement ID received by the transmission and reception unit 28, the previously received part 1
3で受信した認証用IDと、金銭登録機16からの決済情報とを決済処理部15へ送り、決済処理部15はこれらを決済データメモリ17に記録すると共に、送信部1 And authentication ID received in 3 sends the payment information from the cash register 16 to the settlement processing unit 15, the settlement processing unit 15 records these in the settlement data memory 17, the transmission unit 1
8を通じて金融機関へ送信する。 And transmits it to the financial institution through 8. 【0015】上述において、金融機関へは決済用IDと決済情報を送り、認証用IDの送信は省略してもよい。 [0015] In the above, is to a financial institution sends the settlement information to the settlement ID, the transmission of the authentication ID may be omitted. 【0016】 【発明の効果】以上述べたようにこの発明によれば利用者は、1つの認証用IDのみを用いて、自己が契約している複数のクレジット会社を利用することができ、いちいち各種別のIDをもつ必要がなく、利用機関ごとに決済クレジット会社を区別することができる。 [0016] The above mentioned as a user According to the present invention, according to the present invention, by using only one of the authentication ID, it is possible to use more than one credit card company that self has a contract, one by one there is no need to have a variety of different ID, it is possible to distinguish the settlement credit company for each user organizations. 【0017】図1に示した実施例によれば、利用者ごと各利用機関に対し、その利用クレジット会社の決済用I [0017] According to the embodiment shown in FIG. 1, for each user organizations each user, settlement I of the credit company
Dを登録する必要があり、利用機関が多い場合、また新たに利用する場合、利用クレジット会社を変更する場合、その登録、変更の作業数が多いが、図2及び図3に示した実施例では、センタの認証・決済IDメモリのみに対し、登録、変更をすればよい。 Must register D, if available engine is large, also when using new, if you change the credit company, the registration, but often work number of changes, the embodiment shown in FIGS. 2 and 3 in, only the authentication and settlement ID memory of the center, registration may be a change. 【0018】一方図2の実施例では各利用機関からの要求に対して全ての処理をするため、センタでのみ行うためセンタの処理の負担が大きいが、図1に示した実施例ではそのようなことがない。 Meanwhile for the embodiment of FIG. 2 that all the processing for the request from the user organizations, but the burden of processing center for performing only the center, so that in the embodiment shown in FIG. 1 there is no such thing. 図3に示した図1、図2の各実施例の利点をもっている。 Figure 1 shown in FIG. 3, has the advantage of the embodiment of FIG.

【図面の簡単な説明】 【図1】Aはこの発明の実施例の機能構成を示すブロック図、Bはその認証・決済IDメモリの他の記憶例を示す図である。 BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 A block diagram showing a functional configuration of an embodiment of the invention, B is a diagram showing another storage example of the authentication and settlement ID memory. 【図2】この発明の他の実施例の機能構成を示すブロック図。 2 is a block diagram showing the functional configuration of another embodiment of the present invention. 【図3】この発明の更に他の実施例の機能構成を示すブロック図。 3 is a block diagram showing the functional configuration of still another embodiment of the present invention.

───────────────────────────────────────────────────── フロントページの続き (56)参考文献 特開 平5−120306(JP,A) (58)調査した分野(Int.Cl. 7 ,DB名) G07F 7/08 G06F 17/60 ────────────────────────────────────────────────── ─── of the front page continued (56) reference Patent flat 5-120306 (JP, a) (58 ) investigated the field (Int.Cl. 7, DB name) G07F 7/08 G06F 17/60

Claims (1)

  1. (57)【特許請求の範囲】 【請求項1】 利用者の各利用機関に共通の認証用識別情報と、その利用者のその利用機関での支払いに用いる (57) and [claimed is: 1. A common authentication identification information to each institute of the user, is used to pay for its use authority of the user
    決済用識別情報とが1対1の関係で記憶された認証・決済IDメモリと、 利用者の認証用識別情報を受信する受信手段と、 認証・決済IDメモリを参照して上記受信された認証用識別情報と対応する決済用識別情報を得る手段と、 上記決済用識別情報と、上記利用者に対する決済情報を決済機関へ送出する手段とを具備する認証決済装置。 And settlement identification information and authentication and payment ID memory stored in a one-to-one relationship, a receiving unit that receives authentication identification information of the user, authentication by referring to authentication and settlement ID memory is the received It means for obtaining a settlement identification information corresponding to use identification information, and the payment identification information, authentication payment and means for sending to the settlement institution payment information for the user. 【請求項2】 利用者の各利用機関に共通の認証用識別情報と、その利用者の利用する利用機関の識別データと、これら両者に対応するその利用者のその利用機関で 2. A common authentication identification information to each institute of the user, and identification data of interest for engine you use the user, in its institutes of the user corresponding to these two
    の支払いに用いる決済用識別情報との関係が記憶された認証・決済IDメモリと、 利用者の認証用識別情報と利用機関の識別データと上記利用者に対する決済情報を受信する受信手段と、 上記認証・決済IDメモリを参照して上記受信された認証用識別情報と利用機関の識別データと対応する決済用識別情報を得る手段と、 上記決済用識別情報と受信した決済情報とを決済機関へ送信する手段とを具備する認証決済装置。 An authentication and payment ID memory stored the relationship between the payment identification information used to pay for, receiving means for receiving payment information for the identification data and the user's authentication identity and user organizations of the user, the It means for obtaining a settlement identification information by referring to the authentication and payment ID memory corresponding to the identification data of the received authentication identification information and user organizations, to the settlement institution and payment information received with the payment identification information authentication settlement and means for transmitting. 【請求項3】 利用者の各利用機関に共通の認証用識別情報と、その利用者の利用機関の識別データと、これら両者に対応するその利用機関での支払いに用いる各決済用識別情報との関係が記憶された認証・決済IDメモリと、 利用機関中の受信部に利用者の認証用識別情報が受信されると、その認証用識別情報とその利用機関の識別データを上記認証・決済IDメモリへ送信する手段と、 受信した上記認証用識別情報と利用機関識別データと対応した決済用識別情報を上記認証・決済IDメモリを参照して得る手段と、 上記得られた決済用情報を上記利用機関へ送信する手段と、 上記利用機関で上記決済用情報を受信すると、この決済用識別情報と上記利用者に対する決済情報を決済機関へ送信する手段とを具備する認証決済装置。 3. A common authentication identification information to each institute of the user, the identification data of the use authority of the user, and the payment identification information used to pay for that user organizations corresponding to these two an authentication and payment ID memory stored relationship, the authentication identification information of the user to the receiving portion in use engine is received, the authentication and payment identification data of the user organizations and the authentication identification information It means for transmitting to the ID memory, and means capable of receiving the above corresponding payment identification information authentication identification information and user organizations identification data by referring to the authentication and settlement ID memory, a settlement information obtained above It means for transmitting to said user organizations, upon receiving the payment information with the user organizations, authentication payment and means for transmitting the payment information for the settlement identification information and the user to the settlement institution.
JP32265697A 1997-11-25 1997-11-25 Authentication settlement system Expired - Fee Related JP3507315B2 (en)

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JP32265697A JP3507315B2 (en) 1997-11-25 1997-11-25 Authentication settlement system

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Publication number Priority date Publication date Assignee Title
US6397198B1 (en) * 1994-11-28 2002-05-28 Indivos Corporation Tokenless biometric electronic transactions using an audio signature to identify the transaction processor
US9165323B1 (en) 2000-05-31 2015-10-20 Open Innovation Network, LLC Biometric transaction system and method
US8370913B2 (en) 2007-03-16 2013-02-05 Apple Inc. Policy-based auditing of identity credential disclosure by a secure token service
US8561172B2 (en) 2008-08-29 2013-10-15 Novell Intellectual Property Holdings, Inc. System and method for virtual information cards
US8083135B2 (en) 2009-01-12 2011-12-27 Novell, Inc. Information card overlay

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