JP4525556B2 - Settlement system, transaction management server, settlement method used for them, and program thereof - Google Patents

Description

The invention settlement system, a payment method and program used in the transaction management server and their concerns payment including in particular payments through face-to-face sales and on the Web at the store.

  Conventionally, in order to make a payment using a website and a communication terminal while ensuring privacy, it is common to make a payment using prepaid electronic money (hereinafter referred to as first conventional technology). And). Further, in order to make a payment at a store while ensuring privacy, it is common to use cash or a cash voucher instead of a credit card (hereinafter referred to as a second conventional technology).

  When using a communication terminal for payment at a store, there is a case where personal authentication is performed and a case where personal authentication is not performed, but when personal authentication is not performed, electronic money on the communication terminal is used. Settlement is generally performed (hereinafter referred to as a third prior art).

  On the other hand, as a credit settlement method using a communication terminal, a mechanism similar to a transaction identification number using a temporary settlement number has been devised (see, for example, Patent Document 1) (hereinafter referred to as a fourth conventional technique). ). An example of a payment system for preventing card information leakage in this credit payment is shown in FIG.

  In FIG. 27, this conventional settlement system comprises a credit company 1, a user 2, and a store 3 on the Internet. In FIG. 27, each of the credit company 1, the user 2, and the store 3 on the Internet shows an information processing apparatus belonging to each of them.

  In the conventional settlement system having such a configuration, the credit company 1 gives a temporary settlement number to the user 2 (i), and the user 2 presents the temporary settlement number to the store 3 on the Internet. (J) and the store 3 on the Internet makes a settlement with the credit company 1 (k).

  As another credit settlement method using a communication terminal, a mechanism using a one-time password has been devised (see, for example, Patent Document 2) (hereinafter referred to as fifth conventional technology).

  As another credit settlement method using a communication terminal, a mechanism using a transaction identification number has been devised (see, for example, Patent Document 3) (hereinafter referred to as the sixth prior art).

  As yet another credit settlement method using a communication terminal, a mechanism using a transaction identification number has been devised (see, for example, Patent Document 4) (hereinafter referred to as the seventh prior art).

JP 2001-67396 A Japanese Patent Application Laid-Open No. 2002-163584 JP 2002-259865 A JP 2004-126976 A

  In the conventional settlement method described above, in the case of the first prior art described above, it is not always necessary to notify the other party of privacy information such as the telephone number of the communication terminal and the e-mail address. Doing so may cause theft and unauthorized use.

  In the case of the second prior art described above, since the communication terminal is not used, naturally, it is not always necessary to notify the other party of the privacy information such as the telephone number or the e-mail address of the communication terminal. Since personal authentication is not performed, there is a risk of theft and unauthorized use.

  In the case of the third prior art described above, when a communication terminal is used for settlement at a store and the personal authentication is not performed, it is necessary to notify the other party of privacy information such as a telephone number and an e-mail address of the communication terminal. However, there is a possibility that electronic money on the communication terminal is stolen and illegally used because it does not perform personal authentication.

  In addition, when performing identity authentication, identification information for mutual communication such as a URL (Uniform Resource Locator), a telephone number, and an e-mail address of the website is notified between the seller and the buyer. Therefore, it is generally difficult to ensure privacy. Furthermore, with this settlement method, the settlement procedure including authentication is complicated, and there are problems in that the convenience is low, for example, the scenes that can be used are limited.

  In the case of the fourth prior art described above, a temporary credit card number (so-called child card number) associated with an official credit card is used in transactions at a store on a Web site. Privacy information that is more important than numbers and e-mail addresses will be notified, and it will be difficult to ensure privacy.

  In addition, in this payment method, in the assumed transaction on the Internet, personal information such as the buyer's personal name and address for delivering the goods flows through an insecure communication network such as the Internet, and the seller and the seller are fully trusted. Since it is managed by a business operator who cannot do it, it is difficult to ensure privacy even if encryption is performed.

  Further, when the temporary settlement number is leaked, since the personal authentication is not performed, there is no means for preventing unauthorized use and there is no choice but to wait until the expiration date. In addition, when using a so-called one-time credit number that changes the temporary settlement number for each settlement, it is necessary to prepare a unique number without duplication, and it is necessary to obtain a temporary settlement number for each settlement. The problem is low convenience.

  In the case of the fifth prior art described above, in the transaction at the store on the Web site, the payment information including the credit card number, which is more important than the telephone number or the e-mail address, is notified. Securing privacy will be difficult.

  In addition, since the one-time password used in the technology described in Patent Document 2 is generated after the product or service to be purchased and its transaction price are determined, all the information is previously stored in the communication terminal on the buyer side. It is necessary to input it, and it is difficult to use it when the settlement amount is determined at the cash register of the store.

  Furthermore, the one-time password used in the technology described in Patent Document 2 above does not require personal authentication and has the role of a voucher having the same value as money, and therefore may be stolen and illegally used. .

  In the case of the sixth prior art described above, in the transaction at the store on the Web site, the privacy information more important than the telephone number or the e-mail address, which is the settlement information including the seller identification ID, is notified. As a result, it is difficult to ensure privacy.

  In addition, since the transaction identification number used in the technique described in Patent Document 3 is generated after the product or service to be purchased and its transaction price are determined, all such information is input in advance at the buyer's communication terminal. This is difficult to use when determining the payment amount at the cash register of the store.

  Furthermore, since the transaction identification number used in the technique described in Patent Document 3 above does not require personal authentication and has a role of an exchange ticket having the same value as money, there is a possibility that the transaction identification number may be stolen and illegally used.

  In the case of the seventh prior art described above, in the transaction at the store on the Web site, the transaction object including the seller identification information, which is more important than the telephone number and the e-mail address, is notified. Therefore, it was difficult to ensure privacy.

  In addition, since the transaction identification number used in the technique described in Patent Document 4 is generated after the product or service to be purchased and its transaction price are determined, all such information is input in advance at the buyer's communication terminal. This is difficult to use when determining the payment amount at the cash register of the store.

SUMMARY OF THE INVENTION Accordingly, an object of the present invention is to provide a settlement system, a transaction management server, a settlement method used for them, and a program therefor that can solve the above problems and ensure privacy in settlement.

A payment system according to the present invention is a payment system including a seller terminal used by a seller of a product, a buyer terminal used by a buyer of the product, and an authentication server for authenticating the seller and the buyer,
A plurality of transaction identification information is issued prior to the transaction of the product at the request of the seller or the buyer, and the personal information of one of the seller and the buyer associated with the transaction identification information and the transaction identification information is registered. A transaction management server for verifying transaction identification information presented from the other of the seller terminal and the buyer terminal based on these information,
The transaction management server issues the transaction identification information after authentication of one of the seller terminal and the buyer terminal is performed by the authentication server,
The transaction identification information between the seller and the buyer using a local interface for direct communication between the seller terminal and the buyer terminal or a local dialogue by a cooperative operation between the seller and the buyer And making a payment when buying and selling the product using the transaction identification information .

The transaction management server according to the present invention is a transaction used in a settlement system including a seller terminal used by a seller of a product, a buyer terminal used by a buyer of the product, and an authentication server that authenticates each of the seller and the buyer. A management server,
A plurality of transaction identification information, which is shared between the seller and the buyer and used for settlement when buying and selling the product, is issued prior to the transaction of the product at the request of the seller or the buyer, and the transaction identification information and Issuing means for registering personal information of one of a seller and a buyer associated with the transaction identification information, and a transaction presented from the other of the seller terminal and the buyer terminal based on the registered information Means for verifying the identification information,
The issuing means issues the transaction identification information after the authentication is performed by an authentication server,
The transaction identification information between the seller and the buyer using a local interface for direct communication between the seller terminal and the buyer terminal or a local dialogue by a cooperative operation between the seller and the buyer Share.

The settlement method according to the present invention is a settlement method used in a settlement system including a seller terminal used by a seller of a product, a buyer terminal used by a buyer of the product, and an authentication server that authenticates each of the seller and the buyer. There,
The transaction management server issues a plurality of transaction identification information prior to the transaction of the product at the request of the seller or the buyer, and one of the seller and the buyer associated with the transaction identification information and the transaction identification information An issuance process for registering information, and a process for verifying transaction identification information presented from the other of the seller terminal and the buyer terminal based on the registered information,
In the issuing process, the transaction identification information is issued after the authentication is performed by an authentication server,
The transaction identification information between the seller and the buyer using a local interface for direct communication between the seller terminal and the buyer terminal or a local dialogue by a cooperative operation between the seller and the buyer And making a payment when buying and selling the product using the transaction identification information .

A program according to the present invention is provided in a transaction management server in a payment system including a seller terminal used by a seller of a product, a buyer terminal used by a buyer of the product, and an authentication server that authenticates each of the seller and the buyer. A program to be executed by a computer,
A plurality of transaction identification information is issued prior to the transaction of the commodity at the request of the seller or the buyer, and the personal information of one of the seller and the buyer associated with the transaction identification information and the transaction identification information is registered. Issuing processing, and processing for verifying transaction identification information presented from the other of the seller terminal and the buyer terminal based on the registered information,
In the issuing process, the transaction identification information is issued after the authentication is performed by an authentication server,
The transaction identification information between the seller and the buyer using a local interface for direct communication between the seller terminal and the buyer terminal or a local dialogue by a cooperative operation between the seller and the buyer And making a settlement when buying and selling the product using the transaction identification information .

  That is, in the settlement system of the present invention, when a seller and a buyer make a settlement using a communication terminal at a store, a local communication function of the communication terminal or a local dialogue by a cooperative operation between the seller and the buyer is performed. A transaction identification number (transaction ID (IDentifier)) is shared between sellers and buyers by using it, and it is safe and inexpensive without leaking any privacy information such as telephone numbers or e-mail addresses. Is to provide a highly convenient mobile payment platform.

  In the settlement system of the present invention, in the authentication server, the authentication means for authenticating the seller and the buyer, and the transaction ID issuing unit of the transaction management server at the request of the seller or the buyer issues a plurality of transaction IDs prior to the transaction, Transaction ID issuing means for registering a transaction ID and personal information of a seller or buyer in a management DB (DataBase), and a transaction ID verification unit of a transaction management server at the request of a buyer or a seller, verifying the transaction ID, and the buyer in the management DB Alternatively, transaction ID verification means for registering the seller's personal information, information exchange means for exchanging information locally between the seller terminal and the buyer terminal, and the payment request receiving unit of the payment server from the seller and buyer communication terminals Transaction management by payment request means to request payment to payment partner (buyer and seller) and payment server Transaction ID reference means for referring to personal information of sellers and buyers related to the transaction ID registered in the management DB in the transaction ID reference section of the server, and payment means for performing a payment transaction in the payment processing section of the payment server; And a settlement result notifying unit for notifying the settlement result to at least one of the seller and the buyer from the settlement result notifying unit of the settlement server.

  As a result, in the payment system of the present invention, the seller and the buyer communicate with each other only through the transaction ID, and the payment server does not transmit any personal information of the seller or the buyer. It becomes possible. Here, as personal information, not only credit card numbers and bank account numbers, but also all personal information such as telephone numbers, e-mail addresses, and website URLs (Uniform Resource Locators) are not transmitted.

  Further, in the payment system of the present invention, since the validity of the shared transaction ID is mutually verified before payment, there is no room for anyone other than the authenticated seller or buyer to enter payment, so that payment can be performed safely. It becomes possible. In this case, it is not always possible to know who the trading partner is because privacy is protected, but at least it is guaranteed that the trading partner is a reliable partner.

  In the present invention, when a seller and a buyer make a settlement using a communication terminal at a store, transaction identification is performed using a local communication function of the communication terminal or a local dialogue by a cooperative operation between the seller and the buyer. By sharing the number (transaction ID (IDentifier)) between the seller and the buyer, there is an effect that privacy can be secured in the settlement.

  Next, embodiments of the present invention will be described with reference to the drawings. FIG. 1 is a block diagram showing a configuration of a payment system according to an embodiment of the present invention. In FIG. 1, a settlement system according to an embodiment of the present invention includes a communication network 10, a seller terminal 11, a buyer terminal 12, a local I / F (interface) 13, an authentication server 1, and a transaction management server 2. , A management DB (DataBase) 26, a settlement server 3, and a financial institution 4.

  The seller terminal 11, the buyer terminal 12, the authentication server 1, the transaction management server 2, and the settlement server 3 operate under program control and are connected to each other via a communication network 10 such as a mobile communication network. Yes.

  FIG. 2 is a sequence chart showing the operation of the settlement system according to the embodiment of the present invention. The operation of the settlement system according to the embodiment of the present invention will be described with reference to FIGS.

  First, when the seller terminal 11 requests the authentication server 1 to authenticate the seller (step S01 in FIG. 2), the authentication server 1 authenticates the seller (step S02 in FIG. 2). When the seller terminal 11 requests the transaction management server 2 to issue a transaction ID (IDentifier) (step S03 in FIG. 2), the transaction management server 2 notifies the seller terminal 11 of the transaction ID in response to the seller's request (FIG. 2). Step S04). Thereafter, the seller terminal 11 notifies the buyer terminal 12 of transaction information including a transaction ID and a transaction price (step S05 in FIG. 2).

  Next, when buyer authentication is requested from the buyer terminal 12 to the authentication server 1 (step S06 in FIG. 2), the authentication server 1 authenticates the buyer (step S07 in FIG. 2). When the buyer requests the transaction management server 2 to verify the transaction ID of the buyer terminal 12 (step S08 in FIG. 2), the transaction management server 2 verifies the transaction ID of the buyer terminal 12 (step S09 in FIG. 2). In this case, if the buyer's verification is not successful, the transaction is terminated (step S10 in FIG. 2).

  When payment is requested from the buyer terminal 12 to the settlement server 3 (step S11 in FIG. 2), the settlement server 3 requests the transaction management server 2 to refer to the transaction ID related information (step S12 in FIG. 2). When the transaction ID related information is notified from (step S13 in FIG. 2), real-time settlement is performed in the financial institution 4 via the settlement server 3 (step S14 in FIG. 2). Thereafter, the settlement server 3 notifies the buyer terminal 12 of the settlement result (step S15 in FIG. 2). Finally, the settlement server 3 notifies the seller terminal 11 of the settlement result (step S16 in FIG. 2).

  As described above, in the embodiment of the present invention, the seller and the buyer communicate with each other only through the transaction ID, and the payment server does not transmit any personal information of the seller or the buyer. be able to. Here, as personal information, not only credit card numbers and bank account numbers, but also all personal information such as telephone numbers, e-mail addresses, and website URLs (Uniform Resource Locators) are not transmitted.

  In the embodiment of the present invention, since the validity of the shared transaction ID is mutually verified before settlement, there is no room for anyone other than the authenticated seller or buyer to enter the settlement, so that the settlement can be performed safely. Can do. In this case, it is not always possible to know who the trading partner is because privacy is protected, but at least it is guaranteed that the trading partner is a reliable partner.

  Next, embodiments of the present invention will be described with reference to the drawings. FIG. 3 is a block diagram showing the configuration of the seller terminal according to the first embodiment of the present invention. The settlement system according to the first embodiment of the present invention has the same configuration as the settlement system according to the embodiment of the present invention shown in FIG. 1, and the operation is the same as the operation shown in FIG.

  In FIG. 3, the seller terminal 11 includes a wireless communication unit 111 that can communicate with the communication network 10 via the antenna 110, an authentication request unit 112 that requests the authentication server 1 for seller authentication, and a transaction management server 2. Transaction ID issue request unit 113 for requesting issue of transaction ID, transaction ID receiving unit 114 for receiving transaction ID issued from transaction management server 2, and transaction ID verification request for requesting transaction management server 2 to verify transaction ID Unit 115, settlement request unit 116 for notifying settlement server 3 of a settlement request, settlement result receiving unit 117 for receiving a settlement result from settlement server 3, control unit 118 for controlling these units, and operation of control unit 118 And a memory 119 that stores a control operation procedure of the control unit 118 as a program. Note that the seller terminal 11 may further include a local communication unit 1110 as shown in FIG.

  FIG. 4 is a block diagram showing the configuration of the buyer terminal according to the first embodiment of the present invention. In FIG. 4, the buyer terminal 12 sends a wireless communication unit 121 that can communicate with the communication network 10 via the antenna 120, an authentication request unit 122 that requests authentication from the authentication server 1, and a transaction management server 2. Transaction ID issue request unit 123 that requests issue of a transaction ID, transaction ID reception unit 124 that receives a transaction ID issued from the transaction management server 2, and transaction ID verification request that requests the transaction management server 2 to verify the transaction ID Unit 125, settlement request unit 126 for notifying settlement server 3 of a settlement request, settlement result receiving unit 127 for receiving a settlement result from settlement server 3, control unit 128 for controlling these units, and operation of control unit 128 And a memory 129 that stores a control operation procedure of the control unit 128 as a program. Note that buyer terminal 12 may further include a local communication unit 1210 as shown in FIG.

  The local I / F 13 exchanges information between the seller terminal 11 and the buyer terminal 12. In this function, for example, the buyer confirms information from the display screen of the buyer terminal 12 and transmits it to the seller through verbal dialogue, and the seller transmits the seller terminal via the input unit (not shown) of the seller terminal 11. 11 is included. The authentication server 1 has a function of authenticating the seller and the buyer based on the authentication request from the communication terminal of each of the seller terminal 11 and the buyer terminal 12.

  FIG. 5 is a block diagram showing the configuration of the transaction management server according to the first embodiment of the present invention. In FIG. 5, the transaction management server 2 includes a transaction ID issuing unit 21 that issues a transaction ID to each of the communication terminals of the seller terminal 11 and the buyer terminal 12, and a transaction ID received from each of the communication terminals of the seller terminal 11 and the buyer terminal 12. A transaction ID verification unit 22 that verifies the transaction ID, a transaction ID reference unit 23 that transmits the transaction ID received from the payment server 3 to the payment server 3 with reference to related information of the transaction ID, a control unit 24 that controls these units, and this control A memory 25 that operates as a working memory of the unit 24 and stores a control operation procedure of the control unit 24 as a program is configured.

  FIG. 6 is a diagram showing the configuration of the management DB according to the first embodiment of the present invention. The management DB 26 has a function of registering transaction IDs and personal information of sellers and buyers and searching them. The personal information includes, for example, an individual identification number, a telephone number, an account number, and an e-mail address. That is, in FIG. 6, the management DB 26 has “transaction ID”, “issue number”, “issuer terminal ID”, “issuer account ID”, “issuer address”, “transaction partner terminal ID”, “transaction partner”. Information such as “account ID”, “transaction partner address”, “issue date / time”, and “restriction condition” are stored.

  FIG. 7 is a block diagram showing the configuration of the settlement server according to the first embodiment of the present invention. In FIG. 7, the settlement server 3 receives a settlement request from the communication terminal of each of the seller terminal 11 or the buyer terminal 12, transmits a settlement request to the counterparty communication terminal, and receives a result of the settlement request receiving unit 31. The settlement processing unit 32 that requests settlement processing from the financial institution 4, the settlement result notification unit 33 that reports the result of settlement processing to each communication terminal of the seller terminal 11 and the buyer terminal 12, and the transaction ID from the settlement server 3. The transaction ID reference unit 34 that refers to the personal information of the seller and the buyer, the control unit 35 that controls each of these units, and operates as a working memory of the control unit 35, and the control operation procedure of the control unit 35 as a program And a memory 36 to be stored.

  The financial institution 4 is a financial institution such as a credit company or a bank, and has a function of performing credit and settlement based on a request from the settlement server 3.

  Next, the operation of the settlement system according to the first embodiment of the present invention will be described with reference to FIGS. Note that the operation of each device in FIG. 2 is realized by a control unit constituting each device executing a memory program.

  First, when the seller terminal 11 requests the authentication server 1 to authenticate the seller (step S01 in FIG. 2), the authentication server 1 authenticates the seller (step S02 in FIG. 2). When the seller terminal 11 requests the transaction management server 2 to issue a transaction ID (IDentifier) (step S03 in FIG. 2), the transaction management server 2 notifies the seller terminal 11 of the transaction ID in response to the seller's request (FIG. 2). Step S04). Thereafter, the seller terminal 11 notifies the buyer terminal 12 of transaction information including a transaction ID and a transaction price (step S05 in FIG. 2).

  Next, when buyer authentication is requested from the buyer terminal 12 to the authentication server 1 (step S06 in FIG. 2), the authentication server 1 authenticates the buyer (step S07 in FIG. 2). When the buyer requests the transaction management server 2 to verify the transaction ID of the buyer terminal 12 (step S08 in FIG. 2), the transaction management server 2 verifies the transaction ID of the buyer terminal 12 (step S09 in FIG. 2). In this case, if the buyer's verification is not successful, the transaction is terminated (step S10 in FIG. 2).

  When payment is requested from the buyer terminal 12 to the settlement server 3 (step S11 in FIG. 2), the settlement server 3 requests the transaction management server 2 to refer to the transaction ID related information (step S12 in FIG. 2). Notifies the settlement server 3 of the transaction ID related information (step S13 in FIG. 2). Then, real-time settlement is performed at the financial institution 4 via the settlement server 3 (step S14 in FIG. 2), and the settlement server 3 notifies the buyer terminal 12 of the settlement result (step S15 in FIG. 2). Finally, the settlement server 3 notifies the seller terminal 11 of the settlement result (step S16 in FIG. 2).

  As described above, in this embodiment, the seller and the buyer communicate with each other only through the transaction ID, and the payment server does not transmit any personal information of the seller or the buyer, so that privacy can be ensured in the payment. . Here, as personal information, not only credit card numbers and bank account numbers, but also all personal information such as telephone numbers, e-mail addresses, and website URLs are not transmitted.

  Further, in this embodiment, since the validity of the shared transaction ID is mutually verified before the settlement, there is no room for anyone other than the authenticated seller or buyer to enter the settlement, so that the settlement can be performed safely. In this case, it is not always possible to know who the trading partner is because privacy is protected, but at least it is guaranteed that the trading partner is a reliable partner.

  As described above, in this embodiment, since the settlement result is also notified to the seller terminal 11, it is not necessary to confirm the payment status with the buyer or the settlement server 3, and the problem that it takes time to pay at the store is solved. can do. In particular, the effect is remarkable if it is a store such as a convenience store with many waiting for cashiers.

  FIG. 8 is a diagram for explaining the operation of the settlement system according to the first embodiment of the present invention. With reference to FIG. 8, in order to better understand the above-described embodiment, the operation around the transaction management server 2 in FIG. 1, which is a characteristic part of the present invention, will be specifically described. Referring to FIG. 8, only the seller terminal 11, the buyer terminal 12, the transaction management server 2, the payment server 3, and the management DB 26 in the configuration of the payment system shown in FIG. 1 are extracted and shown.

  Consider a case where a seller obtains a transaction ID in advance using the seller terminal 11 and a buyer makes a payment using the buyer terminal 12. In the management DB 26, for example, as shown in FIG. 7, "transaction ID", "issue number", "issuer terminal ID", "issuer account ID", "issuer address", "transaction partner terminal ID" It is assumed that information such as “transaction partner account ID”, “transaction partner address”, “issue date”, “restriction condition”, and the like is stored. The “constraint condition” stores various restrictions when performing a transaction. For example, the “constraint condition” includes the validity period of the transaction ID, the geographical range of stores where the transaction ID can be used, the limit of use, and the like.

  First, when a transaction ID issuance is requested from the seller terminal 11 to the transaction management server 2 (signal a in FIG. 8, step S03 in FIG. 2), the transaction management server 2 adds a new record to the management DB 26 (signal in FIG. 8). b). Information added to the management DB 26 includes “transaction ID”, “issue number”, “issuer terminal ID”, “issuer account ID”, “issuer address”, “issue date”, “restriction condition”, and the like. is there.

  When the transaction ID is notified from the transaction management server 2 to the seller terminal 11 (signal c in FIG. 8, step S04 in FIG. 2), the seller terminal 11 notifies the buyer terminal 12 of transaction information including the transaction ID and the transaction price ( Signal d in FIG. 8, step S05 in FIG. 2). When the buyer requests the transaction management server 2 to verify the transaction ID of the buyer terminal 12 (signal e in FIG. 8, step S08 in FIG. 2), the transaction management server 2 verifies the transaction ID in the buyer terminal 12 (signal in FIG. 8). f, Step S09 in FIG. 2). In this case, the buyer receives the verification result from the transaction management server 2 at the buyer terminal 12 (signal g in FIG. 7).

  When the settlement request is notified from the buyer terminal 12 to the settlement server 3 (signal h in FIG. 8, step S11 in FIG. 2), the settlement server 3 requests the transaction management server 2 to refer to the transaction ID related information (in FIG. 8). Signal i, step S12 in FIG. At that time, the transaction management server 2 updates the record to the management DB 26 (signal j in FIG. 8). Information to be updated includes “transaction partner terminal ID”, “transaction partner account ID”, “transaction partner address”, and the like.

  When transaction ID related information is notified from the transaction management server 2 to the settlement server 3 (signal k in FIG. 8, step S13 in FIG. 2), the settlement server 3 notifies the buyer terminal 12 of the settlement result (signal l in FIG. 8). FIG. 2 step S15). Finally, the buyer terminal 12 notifies the seller terminal 11 of the settlement result (signal m in FIG. 8, step S24 in FIG. 8).

  As described above, in the present invention, the transaction ID is not associated with actual transaction information, but is associated with “issue number”, “issuer terminal ID”, “issuer account ID”, “issuer address”, and the like. By attaching, a plurality of transaction IDs can be pooled in advance in the seller terminal 11, and high-speed payment processing that does not require issuing real-time transaction IDs at the time of transactions can be performed.

  Further, according to the present invention, there is no need to repeat the identity authentication when making a plurality of payments at the same store, so that the convenience of the seller and the buyer is high. Furthermore, in the present invention, when the seller terminal 11 has acquired the transaction ID in advance, if the transaction result information is shared via the buyer terminal 12, payment can be made even if the seller terminal 11 is offline. In addition, the convenience of the seller and the buyer is high.

  In the present invention, a point-of-sales (POS) terminal is assumed as the seller terminal 11 and a mobile phone is assumed as the buyer terminal 12, but it is not necessary to perform processing such as member store registration. Even if the seller terminal 11 is a mobile phone, it can be configured in the same manner as described above.

  As described above, in the present invention, the seller and the buyer communicate with each other only through the transaction ID, and the settlement server 3 does not transmit any personal information of the seller or the buyer. Therefore, privacy can be ensured in the settlement. As personal information, not only credit card numbers and bank account numbers, but also all personal information such as telephone numbers, e-mail addresses, website URLs, etc. are not transmitted.

  Further, in the present invention, since the validity of the shared transaction ID is mutually verified before settlement, there is no room for anyone other than the authenticated seller or buyer to enter the settlement, so that the settlement can be performed safely. It is not always possible to know who the trading partner is because the privacy is protected, but at least it is guaranteed that the trading partner is a reliable partner.

  FIG. 9 is a sequence chart showing the operation of the payment system according to the second embodiment of the present invention. The settlement system according to the second embodiment of the present invention has the same configuration as the settlement system according to the embodiment of the present invention shown in FIG. The operation of the settlement system according to the second embodiment of the present invention will be described with reference to FIGS. Note that the operation of each device in FIG. 9 is realized by the control unit constituting each device executing a program in the memory.

  First, when the seller terminal 11 requests the authentication server 1 to authenticate the seller (step S01 in FIG. 9), the authentication server 1 authenticates the seller (step S02 in FIG. 9). When the seller terminal 11 requests the transaction management server 2 to issue a transaction ID (step S03 in FIG. 9), the transaction management server 2 notifies the seller terminal 11 of the transaction ID in response to the seller's request (step S04 in FIG. 9). Thereafter, the seller terminal 11 notifies the buyer terminal 12 of transaction information including a transaction ID and a transaction price (step S05 in FIG. 9).

  When buyer terminal 12 requests authentication server 1 for authentication of the buyer (step S06 in FIG. 9), authentication server 1 authenticates the buyer (step S07 in FIG. 9). When the buyer requests the transaction management server 2 to verify the transaction ID of the buyer terminal 12 (step S08 in FIG. 9), the transaction management server 2 verifies the transaction ID of the buyer terminal 12 (step S09 in FIG. 9). In this case, if the buyer's verification is not successful, the transaction is terminated (step S10 in FIG. 9).

  When payment is requested from the buyer terminal 12 to the payment server 3 (step S11 in FIG. 8), the payment server 3 requests the transaction management server 2 to refer to the transaction ID related information (step S12 in FIG. 9). When transaction ID related information is notified from the transaction management server 2 to the settlement server 3 (step S13 in FIG. 9), real-time settlement is performed at the financial institution 4 via the settlement server 3 (step S14 in FIG. 9). The server 3 notifies the buyer terminal 12 of the settlement result (step S15 in FIG. 9). Finally, the buyer terminal 12 notifies the settlement result to the seller terminal 11 (step S24 in FIG. 9).

  As described above, in this embodiment, when the settlement result is not notified to the seller terminal 11, the buyer presents the settlement completion result (receipt) to the seller for confirmation. As a method of presentation, in addition to a method of visually confirming a receipt screen, as shown in FIGS. 20 and 21, in the local communication unit 1110 of the seller terminal 11 and the local communication unit 1210 of the buyer terminal 12, the IC (Integrated Circuit) Near-field wireless (RFID: Radio Frequency IDentification) and IrDA (Infrared Data Association) and other infrared codes used in card readers and various barcodes such as QR (Quick Response) codes (two-dimensional barcodes) Various local interfaces (local I / F) can be used.

  FIG. 10 is a sequence chart showing the operation of the payment system according to the third embodiment of the present invention. The settlement system according to the third embodiment of the present invention has the same configuration as the settlement system according to the embodiment of the present invention shown in FIG. In FIG. 10, the operation of FIG. 9 is partially changed, and only the changed portion is illustrated. The operation of the settlement system according to the third embodiment of the present invention will be described with reference to FIG. 1, FIG. 9, and FIG. Note that the operation of each device in FIG. 10 is realized by a control unit constituting each device executing a memory program.

  First, when the seller terminal 11 requests the authentication server 1 to authenticate the seller (step S01 in FIG. 9), the authentication server 1 authenticates the seller (step S02 in FIG. 9). When the seller terminal 11 requests the transaction management server 2 to issue a transaction ID (step S03 in FIG. 9), the transaction management server 2 notifies the seller terminal 11 of the transaction ID in response to the seller's request (step S04 in FIG. 9). Thereafter, the seller terminal 11 notifies the buyer terminal 12 of the transaction ID (step S051 in FIG. 10).

  When the buyer server 12 requests the authentication server 1 to authenticate the buyer (step S06 in FIG. 10), the authentication server 1 authenticates the buyer (step S07 in FIG. 10). When the buyer requests the transaction management server 2 to verify the transaction ID of the buyer terminal 12 (step S08 in FIG. 10), the transaction management server 2 verifies the transaction ID of the buyer terminal 12 (step S09 in FIG. 10). In this case, if the buyer's verification is not successful, the transaction is terminated (step S10 in FIG. 10).

  When the seller terminal 11 requests the transaction management server 2 to notify the transaction information including the transaction ID and the transaction price (step S052 in FIG. 10), the transaction management server 2 refers to the management DB 26 for the address of the buyer terminal 12. (FIG. 10 step S131), the buyer terminal 12 is notified of the transaction information (FIG. 10 step S132).

  When payment is requested from the buyer terminal 12 to the payment server 3 (step S11 in FIG. 9), the payment server 3 requests the transaction management server 2 to refer to the transaction ID related information (step S12 in FIG. 9). When transaction ID related information is notified from the transaction management server 2 to the settlement server 3 (step S13 in FIG. 9), real-time settlement is performed at the financial institution 4 via the settlement server 3 (step S14 in FIG. 9). The server 3 notifies the buyer terminal 12 of the settlement result (step S15 in FIG. 9). Finally, the buyer terminal 12 notifies the settlement result to the seller terminal 11 (step S24 in FIG. 9).

  Thus, in the present embodiment, an example is shown in which the amount of transmission data is limited in the local I / F 13 between the seller terminal 11 and the buyer terminal 12. In the present embodiment, even if there is a limit to the amount of transmission data, transaction information can be shared without any problem via the transaction management server 2.

  For example, a customer at a store performs shopping according to the following procedure. Assuming that the seller has already authenticated at the seller terminal 11, first, select a product to be bought and bring it to the cash register. Next, the buyer confirms the product brought by the seller and waits for the total price to be calculated, and the buyer authenticates at the buyer terminal 12 (password input operation if necessary). In addition, transaction information (invoice) is received using an IC card reader (not shown) (one holding operation). Buyer authentication may be performed after this.

  Furthermore, the application of the buyer terminal 12 is automatically activated with the receipt of transaction information as a trigger, and performs settlement there (one click operation). Furthermore, it waits for the seller to receive a settlement completion result notification. Finally, take the item that the buyer brought to the cash register. If the seller does not receive a payment completion result notification, the IC card reader is used to send the buyer's payment completion result (one-time operation), and finally the item that the buyer has brought to the cash register. take away.

  Here, if the buyer remembers a product that he forgot to buy, he first selects the product he forgot to buy and brings it to the cash register. Next, wait for the seller to check the items brought in and calculate the total price. In addition, the transaction information (invoice) is received using the IC card reader (one holding operation). Further, settlement is performed by an automatically activated application of the buyer terminal 12 (one click operation). Furthermore, it waits for the seller to receive a settlement completion result notification. Finally, take the item that the buyer brought to the cash register. If shopping is not performed at the same store, the application of the buyer terminal 12 is terminated.

  As mentioned above, when the same buyer performs multiple transactions at the same store, the redundant procedure is skipped without repeating the same procedure from the beginning by using multiple transaction IDs acquired in advance. High-speed and convenient payment can be made.

  FIG. 11 is a sequence chart showing the operation of the payment system according to the fourth embodiment of the present invention. The settlement system according to the fourth embodiment of the present invention has the same configuration as the settlement system according to the embodiment of the present invention shown in FIG. The operation of the settlement system according to the fourth embodiment of the present invention will be described with reference to FIGS. Note that the operation of each device in FIG. 11 is realized by a control unit constituting each device executing a memory program.

  First, when the seller terminal 11 requests the authentication server 1 to authenticate the seller (step S01 in FIG. 11), the authentication server 1 authenticates the seller (step S02 in FIG. 11). Subsequently, when the buyer terminal 12 requests the authentication server 1 to authenticate the buyer (step S06 in FIG. 11), the authentication server 1 authenticates the buyer (step S07 in FIG. 11).

  When a transaction ID issuance is requested from the buyer terminal 12 to the transaction management server 3 (step S17 in FIG. 11), the transaction management server 3 notifies the buyer terminal 12 of the transaction ID in response to the buyer's request (step S18 in FIG. 11). The buyer terminal 12 notifies the seller terminal 11 of the transaction ID (step S19 in FIG. 11).

  When the seller requests the transaction management server 3 to verify the transaction ID of the seller terminal 11 (step S20 in FIG. 11), the transaction management server 3 verifies the transaction ID of the seller terminal 11 (step S21 in FIG. 11). In this case, if the verification of the seller is not successful, the transaction is terminated (step S22 in FIG. 11).

  When payment is requested from the seller terminal 11 to the settlement server 3 (step S23 in FIG. 11), the settlement server 3 requests the transaction management server 2 to refer to the transaction ID related information (step S12 in FIG. 11). When the transaction ID related information is notified from (step S13 in FIG. 11), real-time settlement is performed in the financial institution 4 via the settlement server 3 (step S14 in FIG. 11). Thereafter, the settlement server 3 notifies the buyer terminal 12 of the settlement result (step S15 in FIG. 11). Finally, the payment server 3 notifies the seller terminal 11 of the payment result (step S16 in FIG. 11).

  As described above, this embodiment shows that the present invention can be implemented even when the seller terminal 11 and the buyer terminal 12 are interchanged. That is, in this embodiment, the transaction ID can be acquired by either the seller or the buyer, and if the information on the seller and the buyer is registered in the management DB 26, the transaction ID can be settled by either. Therefore, it is possible to obtain an effect that the degree of freedom in making a settlement is high and convenience is high. Regarding the transaction price, the settlement side will ultimately decide, but since the seller and buyer are facing each other at the store, it is assumed that there is an agreement between them.

  If it is assumed that there will be a problem with the transaction price, it is necessary to add a procedure for obtaining an agreement between the two parties regarding the transaction price. In this embodiment, these procedures are easily added. be able to.

  FIG. 12 is a diagram for explaining the operation of the payment system according to the fourth embodiment of the present invention. With reference to FIG. 12, in order to better understand the above-described embodiment, the operation around the transaction management server 2 in FIG. 1, which is a characteristic part of the present invention, will be specifically described. Referring to FIG. 12, only the seller terminal 11, the buyer terminal 12, the transaction management server 2, the payment server 3, and the management DB 26 in the configuration of the payment system shown in FIG. 1 are extracted and shown.

  Consider a case where a buyer acquires a transaction ID in advance using the buyer terminal 12 and a seller makes a payment using the seller terminal 11. In the management DB 26, for example, as shown in FIG. 7, "transaction ID", "issue number", "issuer terminal ID", "issuer account ID", "issuer address", "transaction partner terminal ID" It is assumed that information such as “transaction partner account ID”, “transaction partner address”, “issue date”, “restriction condition”, and the like is stored. The “constraint condition” stores various restrictions when performing a transaction. For example, the “restriction condition” includes the validity period of the transaction ID, the geographical range of stores where the transaction ID can be used, the limit of use, and the like.

  First, when the buyer terminal 12 requests the transaction management server 2 to issue a transaction ID (signal a ′ in FIG. 12, step S17 in FIG. 11), the transaction management server 2 adds a new record to the management DB 26 (signal b in FIG. 12). '). Information to be added includes “transaction ID”, “issue number”, “issuer terminal ID”, “issuer account ID”, “issuer address”, “issue date”, “restriction condition”, and the like.

  When the transaction ID is notified from the transaction management server 2 to the buyer terminal 12 (signal c ′ in FIG. 12, step S18 in FIG. 11), the buyer terminal 12 notifies the seller terminal 11 of transaction information including the transaction ID and the transaction price (FIG. 11). 12 signal d ′, FIG. 11 step S19). When the seller requests the transaction management server 2 to verify the transaction ID of the seller terminal 11 (signal e ′ in FIG. 12, step S20 in FIG. 11), the transaction management server 2 verifies the transaction ID of the seller terminal 11 (in FIG. 12). Signal f ′, step S21 in FIG. In this case, the seller receives the verification result from the transaction management server 2 at the seller terminal 11 (signal g ′ in FIG. 12).

  When the seller terminal 11 requests payment to the payment server 3 (signal h ′ in FIG. 12, step S23 in FIG. 11), the payment server 3 requests the transaction management server 2 to refer to the transaction ID related information (signal i in FIG. 12). ', FIG. 11 step S12). At that time, the transaction management server 2 updates the record to the management DB 26 (signal j ′ in FIG. 12). Information to be updated includes “transaction partner terminal ID”, “transaction partner account ID”, “transaction partner address”, and the like.

  When the transaction management server 2 notifies the settlement server 3 of the transaction ID related information (signal k ′ in FIG. 12, step S13 in FIG. 11), the settlement server 3 notifies the buyer terminal 12 of the settlement result (signal l ′ in FIG. 12). FIG. 11 step S15). Finally, the settlement server 3 notifies the seller terminal 11 of the settlement result (signal m ′ in FIG. 12, step S16 in FIG. 11).

  As described above, in the present invention, the transaction ID is not associated with actual transaction information, but is associated with “issue number”, “issuer terminal ID”, “issuer account ID”, “issuer address”, and the like. By attaching, a plurality of transaction IDs can be pooled in advance in the buyer terminal 12, and high-speed settlement processing that does not require issuing a real-time transaction ID at the time of transaction can be performed.

  Further, according to the present invention, there is no need to repeat the identity authentication when making a plurality of payments at the same store, so that the convenience of the seller and the buyer is high. Further, when the buyer terminal 12 has acquired a transaction ID in advance, if the transaction result information is shared via the seller terminal 11, the buyer terminal 12 can settle even if the buyer terminal 12 is offline. The effect of high convenience is obtained.

  In the present invention, a POS terminal is assumed as the seller terminal 11 and a mobile phone is assumed as the buyer terminal 12. However, the seller terminal 11 is not portable because there is no need for processing such as member store registration. Even a telephone can be configured in the same manner as described above.

  FIG. 13 is a sequence chart showing the operation of the payment system according to the fifth embodiment of the present invention. The settlement system according to the fifth embodiment of the present invention has the same configuration as the settlement system according to the embodiment of the present invention shown in FIG. The operation of the settlement system according to the fifth embodiment of the present invention will be described with reference to FIGS. Note that the operation of each device in FIG. 13 is realized by the control unit constituting each device executing a program in the memory.

  First, when the buyer terminal 12 requests the authentication server 1 to authenticate the buyer (step S06 in FIG. 13), the authentication server 1 authenticates the buyer (step S07 in FIG. 13). Next, when a transaction ID issuance is requested from the buyer terminal 12 to the transaction management server 3 (step S17 in FIG. 13), the transaction management server 3 notifies the buyer terminal 12 of the transaction ID in response to the buyer's request (step S18 in FIG. 13). ). The buyer terminal 12 notifies the seller terminal 11 of the transaction ID (step S19 in FIG. 13).

  Thereafter, the seller terminal 11 notifies the buyer terminal 12 of transaction information including a transaction ID and a transaction price (step S05 in FIG. 13), and notifies the buyer terminal 12 of the address of the seller terminal 11 (step S25 in FIG. 13). When payment is requested from the buyer terminal 12 to the payment server 3 (step S11 in FIG. 13), the payment server 3 requests the transaction management server 2 to refer to the transaction ID related information (step S12 in FIG. 13). When the transaction ID related information is notified (step S13 in FIG. 13), real-time settlement is performed in the financial institution 4 via the settlement server 3 (step S14 in FIG. 13). Thereafter, the settlement server 3 notifies the buyer terminal 12 of the settlement result (step S15 in FIG. 13). Finally, the settlement server 3 notifies the seller terminal 11 of the settlement result (step S16 in FIG. 13).

  Thus, in this embodiment, an example is shown in which privacy is not considered, for example, the seller is not an individual. In this case, higher-speed settlement can be performed, for example, the step of verifying the transaction ID is not required.

  FIG. 14 is a diagram for explaining the transaction ID issuing operation of the settlement system according to the present invention. In order to better understand each of the embodiments of the present invention described above with reference to FIG. 14, the transaction ID issuing operation using the signal b in FIG. 8 and the signal b ′ in FIG. 12, which is a characteristic part of the present invention. This will be specifically described.

  In the present invention, the issue date / time, issue number, and issuer information are each expressed in binary format. In order to simplify the explanation, it is assumed that the issue number is a serial number of the current year, and the issuer information is composed of a terminal ID, an account ID, and an e-mail address. First, in the present invention, the issue date / time and the issue number are concatenated to generate a unique issue ID.

  Further, in the present invention, the issuer information is divided into, for example, three (partial information 1, partial information 2, partial information 3) and each is linked with a unique issue ID (unique issue ID + partial information 1, unique issue). ID + partial information 2, unique issue ID + partial information 3). Furthermore, in the present invention, each linked hash value is calculated, and finally, a unique issue ID and three hash values (hash value 1, hash value 2, hash value 3) are linked to generate a transaction ID. .

  As described above, in the present invention, by generating a transaction ID using a hash function, it is possible to prevent a third party from impersonating an unauthorized person while performing safe and high-speed processing. .

  FIG. 15 is a diagram for explaining the transaction ID verification operation of the settlement system according to the present invention. Referring to FIG. 15, in order to better understand each embodiment of the present invention described above, transaction ID verification operation using signal f of FIG. 8 and signal f ′ of FIG. 12, which is a characteristic part of the present invention. Will be described in detail.

  In the present invention, the transaction ID issued by the above transaction ID issuing operation is obtained by concatenating a unique issue ID and three hash values (unique issue ID + hash value 1 + hash value 2 + hash value 3) (first To link information). Next, in the present invention, the unique issue ID is decomposed into an issue date / time and an issue number, the management DB 26 is searched from the issue date / time and the issue number, and issuer information is specified.

  In the present invention, the issuer information is divided into, for example, three (partial information 1, partial information 2, and partial information 3), and each is linked with a unique issuance ID (unique issuance ID + partial information 1, unique information). Issue ID + partial information 2, unique issue ID + partial information 3). Furthermore, in the present invention, each linked hash value is calculated, and the three hash values are linked (hash value 1 + hash value 2 + hash value 3) (referred to as second linked information). Finally, in the present invention, binary comparison is performed between the three linked hash values of the first linked information and the second linked information to verify that they are the same.

  As described above, in the present invention, by verifying the transaction ID, when a third party tries to impersonate, it is possible to detect it while performing safe and high-speed processing. Moreover, in this invention, since unique transaction ID is utilized, transaction ID does not overlap and the effect that the traceability of transaction improves is also acquired.

  FIG. 16 is a block diagram showing the configuration of a payment system according to the sixth embodiment of the present invention. In FIG. 16, the settlement system according to the sixth embodiment of the present invention has the same basic configuration as the settlement system according to each embodiment of the present invention described above, but the internal configuration of the communication network 10 is partially different. That is, the communication network 10 includes the address conversion server 101 and the communication server 102 as shown in FIG.

  The address translation server 101 has an address registration function for registering the issuer's address and registering the address of the trading partner, and an address translation function for performing address translation between the temporary address and the original address. The communication server 102 has a function of inquiring the address conversion server 101 about an address that needs to be converted, and communicating with the converted address.

  17 to 19 are sequence charts showing operations of the address translation server 101 and the communication server 102 of FIG. Since the operation of the payment system according to the sixth embodiment of the present invention is the same as that of the payment system according to the fifth embodiment of the present invention shown in FIG. 13, FIG. 1, FIG. 13, FIG. The operation of the settlement system according to the sixth embodiment of the present invention will be described with reference to FIG. The operation of each device in FIGS. 17 to 19 is realized by a control unit constituting each device executing a memory program.

  First, when the seller terminal 11 requests the authentication server 1 to authenticate the seller (step S01 in FIG. 13), the authentication server 1 authenticates the seller (step S02 in FIG. 13). When the buyer server 12 requests the authentication server 1 to authenticate the buyer (step S06 in FIG. 13), the authentication server 1 authenticates the buyer (step S07 in FIG. 13).

  When a transaction ID issuance is requested from the buyer terminal 12 to the transaction management server 2 (FIG. 13, step S17), the transaction management server 2 generates a temporary address of the buyer and notifies the address conversion server 101 (in step S18 in FIG. 17). S1801). The address conversion server 101 registers the buyer's temporary address (step S26 in FIG. 17). When the transaction ID is notified from the transaction management server 2 to the buyer terminal 12 by the buyer's request (step S18 in FIG. 13), the buyer terminal 12 notifies the seller terminal 11 of the transaction ID (step S19 in FIG. 13).

  When the seller requests the transaction management server 2 to verify the transaction ID of the seller terminal 11 (step S20 in FIG. 13), the transaction management server 2 generates a temporary address of the seller and notifies the address conversion server 101 (step S21 in FIG. 18). In S1801). The address conversion server 101 registers the seller's temporary address (step S26 in FIG. 18). The transaction management server 2 verifies the transaction ID of the seller terminal 11 (step S21 in FIG. 13). In this case, if the verification of the seller is not successful, the transaction is terminated (step S22 in FIG. 13).

  When settlement is requested from the seller terminal 11 to the settlement server 3 (step S23 in FIG. 13), the settlement server 3 requests the transaction management server 2 to refer to the transaction ID related information (step S12 in FIG. 13). When the transaction ID related information is notified to the settlement server 3 (step S13 in FIG. 13), real-time settlement is performed in the financial institution 4 via the settlement server 3 (step S14 in FIG. 13).

  At this time, the settlement server 3 notifies the seller's temporary address to the address conversion server 101 (step S1501 in FIG. 19), and the address conversion server 101 converts the seller's temporary address into the original address (step S27 in FIG. 19). In this case, the settlement server 3 notifies the buyer terminal 12 of the settlement result (step S15 in FIG. 13).

  The settlement server 3 notifies the seller's temporary address to the address conversion server 101 (step S1501 in FIG. 19), and the address conversion server 101 converts the seller's temporary address into the original address (step S27 in FIG. 19). Finally, the settlement server 3 notifies the seller terminal 11 of the settlement result (step S16 in FIG. 13).

  As described above, in this embodiment, by generating a temporary address and converting the address by the address conversion server 101, when an e-mail address is eavesdropped on an insecure communication path, the influence can be reduced. Is possible.

  In addition, although the present embodiment has been described along the fifth embodiment of the present invention described above, even when other embodiments of the present invention are used, it can be described in the same manner as described above. Needless to say, similar effects can be obtained.

  FIG. 20 is a block diagram showing the configuration of a seller terminal according to the seventh embodiment of the present invention. The settlement system according to the seventh embodiment of the present invention has the same configuration as the settlement system according to the embodiment of the present invention shown in FIG. 1, and the operation is the same as the operation shown in FIG. 20, the seller terminal 11 according to the seventh embodiment of the present invention has the same configuration as the seller terminal 11 according to the first embodiment of the present invention shown in FIG. 3 except that a local communication unit 1110 is provided. The same components are denoted by the same reference numerals.

  FIG. 21 is a block diagram showing the structure of a buyer terminal according to the seventh embodiment of the present invention. 21, the buyer terminal 12 according to the seventh embodiment of the present invention has the same configuration as the buyer terminal 12 according to the first embodiment of the present invention shown in FIG. 4 except that a local communication unit 1210 is provided. The same components are denoted by the same reference numerals.

  In the seventh embodiment of the present invention, local communication units 1110 and 1210 are provided in the seller terminal 11 and the buyer terminal 12, respectively, and local interaction between the seller terminal 11 and the buyer terminal 12 is performed through the local communication units 1110 and 1210. Is used to share the transaction ID between the seller and the buyer. As a result, in this embodiment, it is possible to provide a safe and inexpensive mobile payment platform that is safe and inexpensive without leaking any privacy information such as a telephone number or an e-mail address.

  FIG. 22 is a block diagram showing the configuration of the seller terminal according to the eighth embodiment of the present invention. The settlement system according to the eighth embodiment of the present invention has the same configuration as the settlement system according to the embodiment of the present invention shown in FIG.

  Further, in FIG. 22, the seller terminal 11 according to the eighth embodiment of the present invention is a vending machine, and the seller terminal 11 according to the seventh embodiment of the present invention shown in FIG. The same components are denoted by the same reference numerals. The product providing unit 1111 has a product providing function for providing a product stored in the vending machine to the buyer.

  FIG. 23 is a sequence chart showing an operation example of the settlement system according to the eighth embodiment of the present invention. The operation of the settlement system according to the eighth embodiment of the present invention will be described with reference to FIG. 1, FIG. 22, and FIG. Note that the operation of each device in FIG. 23 is realized by a control unit constituting each device executing a memory program.

  First, when seller authentication is requested from the seller terminal 11 to the authentication server 1 (step S01 in FIG. 23), the authentication server 1 authenticates the seller (step S02 in FIG. 23). When the seller terminal 11 requests the transaction management server 2 to issue a transaction ID (step S03 in FIG. 23), the transaction management server 2 notifies the seller terminal 11 of the transaction ID in response to the seller's request (step S04 in FIG. 23). The seller terminal 11 notifies the buyer terminal 12 of transaction information including a transaction ID and a transaction price (step S05 in FIG. 23).

  When buyer terminal 12 requests authentication server 1 for authentication of the buyer (step S06 in FIG. 23), authentication server 1 authenticates the buyer (step S07 in FIG. 23). When the buyer requests the transaction management server 2 to verify the transaction ID of the buyer terminal 12 (step S08 in FIG. 23), the transaction management server 2 verifies the transaction ID of the buyer terminal 12 (step S09 in FIG. 23). In this case, if the buyer's verification is not successful, the transaction is terminated (step S10 in FIG. 23).

  When payment is requested from the buyer terminal 12 to the payment server 3 (step S11 in FIG. 23), the payment server 3 requests the transaction management server 2 to refer to the transaction ID related information (step S12 in FIG. 23). When the transaction ID related information is notified (step S13 in FIG. 23), real-time settlement is performed in the financial institution 4 via the settlement server 3 (step S14 in FIG. 23). The settlement server 3 notifies the settlement result to the buyer terminal 12 (step S15 in FIG. 23) and notifies the settlement result to the seller terminal 11 (step S16 in FIG. 23). Finally, the product providing unit 1111 notifies the buyer of the product (step S28 in FIG. 23).

  As described above, in this embodiment, the description has been made along the first embodiment of the present invention described above. However, even when the fourth embodiment of the present invention is used, as shown in FIG. Needless to say, the same operation as described above can be performed, and the same effect as described above can be obtained.

  FIG. 25 is a block diagram showing the configuration of a payment system according to the ninth embodiment of the present invention. In FIG. 25, the payment system according to the ninth embodiment of the present invention includes a communication network 10, a seller terminal 11, a seller server 14, a buyer terminal 12, a local I / F 13, the Internet 15, and a gateway 16. , The authentication server 1, the transaction management server 2, the management DB 26, the settlement server 3, and the financial institution 4. Here, the seller terminal 11, the seller server 14, the buyer terminal 12, the authentication server 1, the gateway 16, the transaction management server 2, and the settlement server 3 operate by program control.

  The buyer terminal 12 and the gateway 16 are connected to each other via a communication network 10 such as a mobile communication network, and the seller terminal 11 and the seller server 14 are connected to each other via the seller's internal LAN. The seller server 14 and the gateway 16 are connected to each other via the Internet 15, and the gateway 16, the authentication server 1, the transaction management server 2, and the settlement server 3 are mutually connected via the internal LAN of the transaction broker. It is connected.

  FIG. 26 is a block diagram showing the configuration of the seller server 14 shown in FIG. In FIG. 26, the seller server 14 includes a communication unit 141 capable of communicating with the Internet 15, a message mediating unit 142 that mediates a settlement message, a terminal management unit 143 that manages a plurality of seller terminals, and a seller terminal. An operator authentication unit 144 that performs authentication of an operator to be used, a form management unit 145 that manages a specification and a journal, a control unit 146 that controls these units, and operates as a working memory of the control unit 146, And a memory 147 that stores a control operation procedure of the control unit 146 as a program.

  The gateway 16 has various functions that provide the functions of the authentication server 1, the transaction management server 2, and the payment server 3 via the communication network 10 and the Internet 15. As described above, in this embodiment, even when a relatively general POS terminal and POS server are configured, various processes are performed in a form that passes through the seller server 14 and the gateway 16. 2 and the operation similar to the operation shown in FIG. 12 can be performed.

  The present invention can be applied to any commercial transaction in which a seller and a buyer make real-time payments including debit payment and credit payment using a communication terminal at a store.

It is a block diagram which shows the structure of the payment system by embodiment of this invention. It is a sequence chart which shows operation | movement of the payment system by embodiment of this invention. It is a block diagram which shows the structure of the seller terminal by the 1st Example of this invention. It is a block diagram which shows the structure of the buyer terminal by the 1st Example of this invention. It is a block diagram which shows the structure of the transaction management server by 1st Example of this invention. It is a figure which shows the structure of management DB by the 1st Example of this invention. It is a block diagram which shows the structure of the payment server by 1st Example of this invention. It is a figure for demonstrating operation | movement of the payment system by 1st Example of this invention. It is a sequence chart which shows operation | movement of the payment system by the 2nd Example of this invention. It is a sequence chart which shows operation | movement of the payment system by the 3rd Example of this invention. It is a sequence chart which shows operation | movement of the payment system by the 4th Example of this invention. It is a figure for demonstrating operation | movement of the payment system by the 4th Example of this invention. It is a sequence chart which shows operation | movement of the payment system by the 5th Example of this invention. It is a figure for demonstrating transaction ID issue operation | movement of the payment system by this invention. It is a figure for demonstrating transaction ID verification operation | movement of the payment system by this invention. It is a block diagram which shows the structure of the payment system by the 6th Example of this invention. It is a sequence chart which shows operation | movement of the address translation server and communication server of FIG. It is a sequence chart which shows operation | movement of the address translation server and communication server of FIG. It is a sequence chart which shows operation | movement of the address translation server and communication server of FIG. It is a block diagram which shows the structure of the seller terminal by the 7th Example of this invention. It is a block diagram which shows the structure of the buyer terminal by the 7th Example of this invention. It is a block diagram which shows the structure of the seller terminal by the 8th Example of this invention. It is a sequence chart which shows the operation example of the payment system by the 8th Example of this invention. It is a sequence chart which shows the other operation example of the payment system by the 8th Example of this invention. It is a block diagram which shows the structure of the payment system by the 9th Example of this invention. It is a block diagram which shows the structure of the seller server shown in FIG. It is a figure for demonstrating operation | movement of the conventional payment system.

Explanation of symbols

1 Authentication server
2 Transaction management server
3 Payment server
4 Financial institutions
10 Communication network
11 Seller terminal
12 Buyer terminal
13 Local I / F
14 Seller server
15 Internet
16 gateway
21 Transaction ID issuing department
22 Transaction ID verification department
23 Transaction ID reference part 24, 34, 118,
128, 146 control unit 25, 35, 119,
129,147 memory
26 Management DB
31 Payment Request Receiving Department
32 Payment processing department
33 Settlement result notification section
34 Transaction ID reference part
101 Address translation server
102 communication server 110, 120 antenna 111, 121 wireless communication unit 112, 122 authentication request unit 113, 123 transaction ID issue request unit 114, 124 transaction ID reception unit 115, 125 transaction ID verification request unit 116, 126 settlement request unit 117, 127 Settlement result receiving department
141 Communication Department
142 Message Intermediary Department
143 Terminal Manager
144 Operator authentication unit
145 Form management unit 1110, 1210 Local communication unit
1111 Product provision department

Claims (16)

A payment system including a seller terminal used by a seller of the product, a buyer terminal used by the buyer of the product, and an authentication server for authenticating each of the seller and the buyer;
A plurality of transaction identification information is issued prior to the transaction of the commodity at the request of the seller or the buyer, and the personal information of one of the seller and the buyer associated with the transaction identification information and the transaction identification information is registered. And having a transaction management server for verifying transaction identification information presented from the other of the seller terminal and the buyer terminal based on these information,
The transaction management server issues the transaction identification information after authentication of one of the seller terminal and the buyer terminal is performed by the authentication server,
The transaction identification information between the seller and the buyer using a local interface for direct communication between the seller terminal and the buyer terminal or a local dialogue by cooperative operation of the seller and the buyer And making a payment when buying and selling the product using the transaction identification information . The payment system according to claim 1, wherein the local interface is at least one of short-range wireless, infrared communication, and two-dimensional barcode. 3. The settlement system according to claim 1, wherein the buyer terminal is a mobile phone. 4. The payment system according to claim 1, wherein the seller terminal is a POS (Point Of Sales) terminal. 4. The settlement system according to claim 1, wherein the seller terminal is a vending machine. A transaction management server used in a payment system including a seller terminal used by a seller of a product, a buyer terminal used by a buyer of the product, and an authentication server that authenticates each of the seller and the buyer,
A plurality of transaction identification information, which is shared between the seller and the buyer and used for settlement when buying and selling the product, is issued prior to the transaction of the product at the request of the seller or the buyer, and the transaction identification information and Issuing means for registering personal information of one of the seller and buyer associated with the transaction identification information, and a transaction presented from the other of the seller terminal and the buyer terminal based on the registered information Means for verifying the identification information,
The issuing means issues the transaction identification information after the authentication is performed by an authentication server,
The transaction identification information between the seller and the buyer using a local interface for direct communication between the seller terminal and the buyer terminal or a local dialogue by cooperative operation of the seller and the buyer A transaction management server characterized by sharing. The transaction management server according to claim 6, wherein the local interface is at least one of short-range wireless communication, infrared communication, and two-dimensional barcode. The transaction management server according to claim 6 or 7, wherein the buyer terminal is a mobile phone. 9. The transaction management server according to claim 6, wherein the seller terminal is a POS (Point Of Sales) terminal. The transaction management server according to any one of claims 6 to 8, wherein the seller terminal is a vending machine. A payment method used in a payment system including a seller terminal used by a seller of goods, a buyer terminal used by a buyer of the goods, and an authentication server for authenticating each of the seller and the buyer,
The transaction management server issues a plurality of transaction identification information prior to the transaction of the product at the request of the seller or the buyer, and one of the seller and the buyer associated with the transaction identification information and the transaction identification information An issuance process for registering information, and a process for verifying transaction identification information presented from the other of the seller terminal and the buyer terminal based on the registered information,
In the issuing process, the transaction identification information is issued after the authentication is performed by an authentication server,
The transaction identification information between the seller and the buyer using a local interface for direct communication between the seller terminal and the buyer terminal or a local dialogue by cooperative operation of the seller and the buyer And making a payment when buying and selling the product using the transaction identification information . 12. The settlement method according to claim 11, wherein the local interface is at least one of short-range wireless, infrared communication, and two-dimensional barcode. The settlement method according to claim 11 or 12, wherein the buyer terminal is a mobile phone. The payment method according to claim 11, wherein the seller terminal is a POS (Point Of Sales) terminal. The settlement method according to claim 11, wherein the seller terminal is a vending machine. A program to be executed by a computer in a transaction management server in a payment system including a seller terminal used by a seller of a product, a buyer terminal used by a buyer of the product, and an authentication server that authenticates each of the seller and the buyer. There,
A plurality of transaction identification information is issued prior to the transaction of the commodity at the request of the seller or the buyer, and the personal information of one of the seller and the buyer associated with the transaction identification information and the transaction identification information is registered. Issuing processing, and processing for verifying transaction identification information presented from the other of the seller terminal and the buyer terminal based on the registered information,
In the issuing process, the transaction identification information is issued after the authentication is performed by an authentication server,
The transaction identification information between the seller and the buyer using a local interface for direct communication between the seller terminal and the buyer terminal or a local dialogue by cooperative operation of the seller and the buyer And making payment when buying and selling the product using the transaction identification information .

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