JP5542312B2 - Electronic payment apparatus and electronic payment method - Google Patents

Description

  The present invention relates to an electronic payment apparatus, an electronic payment system, and an electronic payment method for performing a settlement of commercial transactions at a remote place using a mobile portable electronic terminal. The present invention relates to an electronic payment apparatus, an electronic payment system, and an electronic payment method for preventing payment.

  When payment is made using a credit card, debit card, etc. owned by an individual, the card information is usually read at a terminal installed in the store, and credit check and check based on this card information and payment information Credit advance payment is approved and payment is made.

  However, since the terminal used conventionally is a fixed type installed in the store, it is difficult to make a settlement at a remote place away from the actual store.

  Therefore, Patent Document 1 (International Publication WO2002 / 084548) has been proposed as a technique for performing settlement at such a remote place. This document proposes an electronic payment system with improved security with respect to a combination of devices. Typically, an ordinary credit card card reader is connected to a mobile phone as a transaction terminal at a store. It has a configuration. And in order to improve the security at the time of the payment with such a credit, in addition to a user ID, a terminal ID, etc., authentication of a terminal is comprised so that card reader ID may be sent to a payment server.

  On the other hand, as a method for making a payment even in a remote place using a credit card, a credit card is also paid on the Internet. In such a settlement method, generally, a method in which a purchaser completes a purchase procedure by inputting a credit card number and an expiration date is generally used. However, this method cannot completely prevent unauthorized use (spoofing) by a stolen card number.

  In recent years, therefore, an authentication technique has been provided in which the user and the card issuer directly verify the identity of the customer using a password dedicated to online credit payment registered by the card issuer. . By entering such a password, it is possible to perform identity authentication equivalent to entering a “sign” at an actual store, and to prevent unauthorized use (spoofing) by a third party who knows the card number. Furthermore, the risk of unauthorized use is reduced by performing password authentication for a person who provides a product or service (a person who receives payment). This is because, by performing password authentication, it is regarded as a transaction similar to an actual store, and there is no obligation for full payment when a credit card is illegally used.

  In this way, the above-mentioned merits can be obtained by performing authentication by entering a password. On the other hand, from the viewpoint of the user (payer) who enters the password, there is resistance to entering the password this time. Problems arise. This is because the possibility of theft cannot be denied even if it is a password on a network such as the Internet or at the time of input.

Furthermore, Patent Document 2 (Japanese Patent Laid-Open No. 2003-150883) has been proposed as a method for preventing unauthorized use during credit card settlement. In this document, the position of the user is specified by the mobile phone with GPS function possessed by the user, and the POS terminal or ATM provided with the GPS receiver is used by the POS terminal or bank or card loan company ATM in each member store. If you specify the installation location of the product and pay for the goods or services provided, or if you perform caching, the GPS service company will check the location of the user and the location of the POS terminal or ATM, and only if they match It is intended to authenticate the use of credit cards.
International Publication WO2002 / 084548 Japanese Patent Laid-Open No. 2003-150883

  As described above, a credit card settlement method has been proposed in order to perform settlement even at a remote location, and this method makes it possible to take out a terminal installed in an actual store. Therefore, it is impossible to solve a problem (that is, unauthorized use) caused by making a payment at an arbitrary place.

  Specifically, in order to enable credit payment, it is necessary to specify the installation location of the terminal for the payment, but the problem that this installation location cannot be specified by payment using a mobile object Occurs. In this regard, in Patent Document 2, it is possible to specify the location by placing a GPS receiver in a POS terminal or ATM at a POS terminal or bank or card loan company at each member store, but in the first place The POS terminal and ATM described in this document have a fixed installation location and are not configured to be movable. Position information by GPS in such POS terminals and ATMs is exclusively used for confirming the locational compatibility with credit card users.

  Therefore, in the present invention, it is a first object to provide an electronic payment apparatus, an electronic payment system, and an electronic payment method that can specify a place where payment is made while allowing payment at an arbitrary place. .

  In addition, there is a credit settlement on the Internet as a method for performing a credit settlement at an arbitrary place. However, as described above, there are a number of security problems with respect to the input of a password for the settlement.

  Therefore, in the present invention, even when a settlement is made at a remote place which is an arbitrary place, an electronic settlement apparatus and an electronic settlement system that can perform identity verification by receiving a payer's signature without requiring a password input. The second problem is to provide an electronic settlement method.

  Further, in the conventional credit card settlement, the credit card approval may be put on hold depending on the card usage status of the card member. When there is such a pending approval decision, an announcement is made that the card company is called in the payment system error display. However, when such an error display is performed at a remote location, it is difficult to keep in touch with the card company, and there are not a few problems in achieving a quick response.

  Accordingly, a third object of the present invention is to provide an electronic settlement system and an electronic settlement method that enable quick contact even when approval determination is put on hold when settlement is performed at a remote location. Let it be an issue.

  Furthermore, in ordinary credit card payments, the card company denies the approval of credit change based on the card usage status of the card member, or when the number of divisions is not specified and the transaction classification is not appropriate, or up to a certain amount Approves the settlement, but if a settlement request exceeds that amount, the transaction may be denied and an error message may be issued. In such a case, each card member wants to know how the card can be settled, but the specific method is only known to the card issuer and it becomes speculative. Is the current situation.

  Therefore, the present invention provides an electronic settlement system and an electronic settlement method that can quickly confirm a method for approving a transaction when an error message denying such a transaction is received. It is set as the subject of 4.

  In order to solve at least one of the above problems, in the present invention, information on the current position is acquired by the mobile terminal, and the current position information is transmitted together with the payment information, so which user is making the payment and where. And an electronic payment apparatus capable of preventing unauthorized card payments.

  That is, according to the present invention, as a first embodiment that solves at least one of the above-described problems, an electronic payment apparatus is used for settlement of commercial transactions using an information communication network, and is used for settlement of commercial transactions. A card reader that reads card information from a card to be read, and a portable terminal that acquires the information read by the card reader by wired or wireless communication and transmits the acquired information to an external settlement information management server. The terminal includes current position acquisition means for acquiring current position information, and transmits the acquired position information to an external payment information management server and also transmits information to the payment information management server in a transaction at the time of transaction settlement. The electronic decision is sent to the external payment information management server for self-identification information that identifies itself in the communication network To provide a device.

The card reader includes a reading unit that reads information recorded on the card in a contact or non-contact manner, and further includes communication means for transmitting the read card information to the portable terminal. ing. The card assumed in the present invention is mainly a credit card, but may also be a cash card issued by a bank or the like, and any type can be used as long as it is a card used for the settlement of the price.
In addition, the card reader has identification (ID) information for identifying a portable terminal that can be connected to the inside in order to ensure the security of information communication with the portable terminal. When starting, it is desirable that the consistency with the ID information transmitted from the portable terminal is determined, and the session is performed only when the IDs match.

  In addition, since this card reader transmits and receives information to and from the portable terminal, it is necessary to provide a communication means. Such communication means may be wired communication using various cables in addition to wireless communication methods such as infrared communication and Bluetooth.

  A portable terminal is a terminal having a size and a function that can be carried, and at least communication means using a wireless method is established so that information communication with an external payment information management server can be established. It is necessary to have. As such a portable terminal, a PDA or a portable computer (notebook personal computer) is assumed in addition to a cellular phone, but any other device having a communication means and an information processing function can be used. However, the portable terminal used in the present invention needs to include at least current position information acquisition means for acquiring current position information. For example, the current position acquisition unit may acquire current position information by a GPS (Global Positioning System) method, but other methods may be used. Such current position information is transmitted to an external settlement information management server in a transaction at the time of settlement of a commercial transaction. In order to ensure the safety of the transaction and to reduce the transaction at the time of settlement, the settlement information It is desirable to be transmitted together with the self-identification information in the electronic settlement apparatus. The integration of the settlement information and the position information can be performed in an arithmetic device (CPU: central processing unit) included in the mobile terminal.

  The payment information, the self-identification number of the electronic payment apparatus, and the current position information are transmitted to an external payment information management server directly or indirectly connected to the electronic payment apparatus. Here, the payment information management server receives the payment information transmitted from the electronic payment device, transmits it to each card company or financial institution, obtains credit or payment approval, and converts it to the electronic payment device. It has a function of returning to the settlement apparatus, and can be regarded as a server for relaying a transaction for settlement. It should be noted that when the payment information is transmitted to each card company or financial institution, it may be configured to be performed via another payment information management server (or relay server).

  According to the electronic payment apparatus configured as described above, when using an electronic payment apparatus owned by a user (sales / provider etc.) who receives payment for the provision of goods or services (that is, at the time of payment) The location can be specified by the current location information, and the safety of transactions in card payment can be ensured. That is, when using this electronic payment apparatus, of course, it is necessary to register location information such as an address in order to clarify the location of the user (such as a member store that performs card payment). The current location information transmitted in the settlement transaction can be referred to as needed by the user of the electronic settlement apparatus when making a settlement with the electronic settlement apparatus. Therefore, if the current location information at the time of payment and the registered location information of the user (member store) are greatly different, a warning is issued to prevent unauthorized card payment. Here, payment for service fees by tow truck or taxi is not the same as the registered location information of member stores, but basically, payment is made within a certain area. At the time of settlement outside, it is naturally considered as a warning target and treated as a settlement requiring confirmation.

  In addition, since the card information held by the payer for the provision of goods and services is read by the card reader, the accuracy and safety of the commercial transaction can be ensured also in this respect. That is, by reading the card information with a card reader paired with the portable terminal by wired or wireless communication, the card information is transmitted to the portable terminal without causing the seller to recognize which data is actually necessary for settlement. be able to. In this regard, if card information (card data) is entered with a keyboard or the like, the requirements for explicit card settlement are known, which may lead to fraudulent settlement such as completion. It will be. In this regard, by using the card reader even in a remote place, it is possible to read the card payment requirement (data) without making it clear (not as magnetic data) to the operator.

  Furthermore, as a payment application (software) held on the mobile terminal side, it is configured so that no card information is displayed on the card screen reading, the payment information confirmation screen, and the sales slip for payment. As a result, the credit card settlement process can be performed without exposing the card information to the surroundings or the operator. On the other hand, when inputting card information etc. with a keyboard etc., in order to prevent an input mistake, an input result must be displayed on a screen etc. As a result, card information will be disclosed explicitly to an operator. As a result, information necessary for card payment is leaked.

  Therefore, the settlement using the electronic settlement apparatus according to the present invention has an effect that the leakage of card information can be prevented in advance.

  In the electronic settlement apparatus according to the present invention, the card reader preferably includes a printing unit. Such a printing means is necessary for the settlement when the mobile terminal receives the approval information for executing the settlement such as the approval of the advance payment by the credit card (that is, as a cue or a command for starting the processing). It is desirable that the information and the signature field are configured to be printed on various media including roll paper and other paper media. In this way, by printing the payment information on a print medium such as paper and enabling the payer to sign the payment information for approval, it is possible to leak the information, unlike password verification. Can be reliably prevented.

  In order to solve at least one of the above problems, the present invention provides an electronic payment system configured using the electronic payment apparatus.

  That is, an electronic payment apparatus that includes payment information for payment for commercial transactions and a payment information management server that manages the payment information acquired by the electronic payment apparatus and transmits the payment information to an external payment server. In the payment system, the electronic payment apparatus according to the present invention is used as the electronic payment apparatus, and the payment information management server receives position information and self-identification information transmitted from the electronic payment apparatus. This is an electronic payment system that determines whether payment information is correct.

  The external payment server is a device that receives the payment information transmitted from the electronic payment device via the payment information management server, and determines the approval of the payment. It is operated by the issuing company. The settlement server approves whether or not to replace the payment for the settlement in consideration of the usage status of the credit card user (name holder), and finally the result is the electronic It is comprised so that it may transmit to a payment apparatus.

  According to such an electronic payment system, it becomes possible to manage the current position information where payment has been made, for example, managing the behavior (working status) of the user of the electronic payment device for transmitting the payment information. Is possible. That is, it is possible to perform labor management and the like of the person who made the settlement by notifying the registered address of the electronic settlement apparatus periodically or immediately with the current position information where the settlement has been performed.

  Furthermore, in the electronic payment system, the payment information management server includes user information storage means for recording self-identification number information and user location information of the electronic payment device, and a portable terminal transmitted in a transaction at the time of payment for a commercial transaction. It is desirable to provide position information comparison means for comparing the position information of the user and the location information of the user recorded in the user information storage means. By providing such position information comparison means, before the payment information is transmitted to the payment server, that is, in the payment information management server, based on the position information and the self-identification information transmitted from the electronic payment apparatus, Since the legitimacy can be determined immediately, it is possible to reduce the operational burden of credit determination in the settlement server. For example, when payment information that is close in time is transmitted at two places that are substantially immovable, it is possible to determine that one of the payment information is illegal.

  Further, in the electronic payment system according to the present invention, the payment information management server receives a self-identification number in the electronic payment device as a trigger upon receipt of information instructing to hold credit transfer approval from an external payment server. It is desirable to send it to the server.

  In normal credit card payment, depending on the card usage status of the card member by the card member, the credit approval approval determination may be suspended. In such a pending decision, an error message of the normal payment system will be announced that the card company will be called, but this confirms that the card user is the person and the purchase details are not fraudulent. This is considered to be confirmation.

  Therefore, in this system, the self-identification number in the electronic settlement apparatus (for example, if the portable terminal is a cellular phone, a telephone number for identifying the cellular phone) is registered in the database of the settlement server, and this If such a determination is suspended, the self-identification number (such as the mobile phone number) of the electronic payment device that has been settled to the payment server can be immediately notified, and the designated card company's counter Can be notified of the self-identification number of the corresponding terminal. In particular, when a mobile phone is used as a mobile terminal and a mobile phone number is used as a self-identification number, both phones can be automatically connected by the system. In addition to the telephone number, an ID (identification number) set for each electronic settlement apparatus, a mail address, etc. can be used as the self-identification number. In particular, by transmitting the self-identification number of the electronic payment apparatus to the payment server in this way, it becomes possible to immediately contact the member store of the operator, particularly when an unauthorized card is used.

  Further, in the electronic payment system according to the present invention, the electronic payment apparatus includes a memory in which a telephone number of an inquiry destination of a credit card company that operates a payment server is recorded, and a search unit that searches the telephone number in the memory. The retrieval means retrieves the inquiry telephone number recorded in the storage means and receives the telephone number in the portable terminal, triggered by reception of the credit change approval suspension or rejection information transmitted from the external settlement server. It is desirable to be configured to display.

  In normal credit card payments, the card company denies the credit replacement approval request based on the card member's card usage status, or if the number of divisions is not specified and the transaction category is not appropriate, or the transaction is settled up to a certain amount However, if a payment request exceeds that amount, the transaction may be denied and an error message may be issued. In such a case, each card member wants to know how the card payment can be made, but the specific method is only known by the card issuer. Currently.

  Therefore, in this system, payment is made using information processing means (CPU) and storage means (memory) mounted on a mobile terminal such as a mobile phone, and software that operates in the environment of the mobile terminal. Get the card company type and error message contents from the payment server at the same time as the payment information communication, and from the obtained error contents, search the phone number of the card company's contact information that requires confirmation from the stored data in the mobile terminal, The number can be configured to be displayed. In particular, when a mobile phone is used as a mobile terminal, a voice call can be directly made to the searched telephone number. That is, when a mobile phone is used as a mobile terminal, the information processing function, the function as a communication modem, and the function as a voice phone can be fully utilized to make settlement smoothly. This action and effect will be explained more specifically. For example, if the payment amount requested in the payment information is 300,000 and this amount exceeds the credit amount of the card user, The settlement amount is within the credit limit. In such a case, it is possible to perform settlement by changing the settlement amount. Furthermore, even if the number of divisions is 6 times, the payment can be approved if it is 10 times. In such a case, it is possible to make a settlement by changing the number of divisions.

  Furthermore, in such an electronic payment system, as software and memory to be introduced into the mobile terminal, the error information received from the payment server is used as a search key, and the contents indicated by the error information are searched from the memory and displayed. It can also be configured. In this case, naturally, it is necessary to store each error code and a description of each error code in the memory of the portable terminal.

  Furthermore, in the present invention, in order to solve at least one of the above-described problems, an electronic settlement method capable of promptly and reliably performing electronic settlement of commercial transactions is provided.

  That is, in the present invention, a portable terminal having a wireless communication means establishes information communication with a card reader that acquires card information in a contact or non-contact manner, and the portable terminal manages settlement information. A network establishment step for establishing information communication with a settlement information management server in a wireless manner, and card information in which the card reader acquires card information in a contact or non-contact manner and records the acquired card information in a memory of a portable terminal An acquisition step, a payment information input step for prompting input of a payment amount and a payment method to be settled, and a position information acquisition step of acquiring current position information by a current position acquisition means provided in the mobile terminal and recording it in a memory And send the card information, payment information and location information acquired in the above step to the payment information management server. Comprising a settlement information transmission step for, provides an electronic payment method.

  In such a settlement method, the position information on which the settlement has been performed can be used when the settlement is approved, so that unauthorized settlement can be prevented in advance.

  In the present invention, the electronic payment apparatus acquires card information, the payment information transmission step of transmitting the payment information including the acquired card information by a wireless communication method, and the credit payment based on the payment information transmitted by the electronic payment apparatus. A credit result information sending step for performing advance approval and sending the result of approval / disapproval, a credit result information receiving step for receiving the credit result information by the electronic settlement apparatus, and an electronic settlement apparatus for credit settlement replacement approval in the credit result information Provided is an electronic settlement method including a self-identification number notifying step of transmitting a self-identification number in the electronic settlement apparatus to the settlement server in response to reception of information instructing rejection or suspension.

  With such a settlement method, the validity of the received settlement information can be quickly determined, and unauthorized settlement can be prevented in advance.

  Further, according to the present invention, the electronic payment apparatus acquires card information, the payment information transmission step of transmitting the payment information including the acquired card information by a wireless communication method, and the credit payment based on the payment information transmitted by the electronic payment apparatus. A credit result information sending step for performing advance approval and sending the result of approval / disapproval, a credit result information receiving step for receiving the credit result information by the electronic settlement apparatus, and an electronic settlement apparatus for credit settlement replacement approval in the credit result information In response to the reception of information for refusal or hold, a contact search step for searching for a contact person who has made a credit payment change approval recorded in the memory of the electronic payment device, and the search result as an electronic payment device There is provided an electronic settlement method comprising a contact display step for displaying on a display included in the electronic contact.

  In such a settlement method, even when settlement approval is not obtained, the solution can be obtained quickly, so the certainty of the commercial transaction can be increased.

  Hereinafter, based on the specific embodiment based on drawing, the electronic payment apparatus 10, the electronic payment system 1, and the electronic payment method concerning this invention are shown concretely.

  FIG. 1 is a schematic diagram showing the overall configuration of an electronic payment system 1 according to the present embodiment, and receives an electronic payment apparatus 10 for making payment at an arbitrary place and payment information from the electronic payment apparatus 10. The settlement information management server 20, the relay server 30 that distributes the settlement information received by the settlement information management server 20 to each settlement server 40, and the settlement information transmitted from the relay server 30 is received and settlement such as payment or payment It is comprised with the payment server 40 which judges whether it performs. Assuming a general case, the electronic payment apparatus 10 is owned by a business operator who sells products or provides services, and the payment information management server 20 receives payment information from the owner of the electronic payment apparatus 10. The relay server 30 is installed as a device for smoothly transmitting and receiving payment information. For example, various credit information inquiry services (for example, CAFIS provided by NTT DATA Corporation: Credit And Finance Information System, etc.) can be used. The settlement server 40 is a device for determining whether or not to perform settlement based on the settlement information, and is managed by a credit company that issued a credit card used for settlement, a bank that issued a cash card, or the like. ing.

  The electronic payment apparatus 10 and the payment information management server 20, the payment information management server 20 and the relay server 30, and the relay server 30 and the payment server 40 are connected by an information communication network N capable of two-way communication. The network N is also a closed network N that does not leak information to be transmitted and received. In particular, since communication between the electronic payment apparatus 10 and the payment information management server 20 is used in an arbitrary place, it is necessary to adopt a wireless communication method. 50 communication lines can be used. Further, the network N between the payment information management server 20 and various credit information inquiry systems such as CAFIS, and the network between the various credit information inquiry systems (30) such as CAFIS and the payment server 40 are used in the conventional CAFIS. You can use a communication line.

Next, a specific configuration related to the electronic settlement apparatus 10 will be described with reference to FIG. FIG. 2 is a schematic diagram showing the configuration of the electronic settlement apparatus 10 according to the present embodiment, and particularly includes a mobile phone 50 and a card reader 60 having a printer. In particular, the mobile phone 50 used in this embodiment includes a first communication means 51 for establishing communication in a mobile communication network, a memory 52 for recording various data, a CPU 53 as information processing means, and a display device. It is necessary to have a display 54 and an input key 55 as an input means, and further, a position information acquisition means 56 that can acquire its own position information using GPS, and a second communication that performs infrared communication or Bluetooth communication. Communication means 57 is provided.
The card reader 60 includes a card information reading unit 61 that acquires card information by magnetism or IC, a communication unit 62 that transmits the read card information to the mobile phone 50 and receives print information from the mobile phone 50, and An integrated circuit 63 for processing print information and the like and a printer 64 for printing information are provided.

  FIG. 9 is a diagram showing the processing procedure in the payment system configured as described above, FIG. 3 is a diagram showing the transaction and processing content, FIG. 4-7 is a transition diagram of the mobile phone screen, FIG. This will be described with reference to the drawings showing the items of the denial message database. Note that an application (software) for executing the following processing is installed in the memory 52 in the mobile phone 50 in advance.

  At the start of this session, if there is an offer for payment with a credit card as a payment method from a consumer who has been provided with some product or service, the electronic payment device 10 owned by the operator will perform a payment process. To start.

  Specifically, an input key on the mobile phone 50 is operated to request the payment information management server 20 to start a card payment transaction. When this start request is made, as shown in the “A-2 login” screen of FIG. 4, it is requested to input a predetermined (that is, pre-assigned) password necessary for the session with the settlement information management server 20 ( S10) When the password matches the password of the terminal information database recorded in the payment information management server 20, a card payment transaction is started (S20). Accordingly, the payment information management server 20 is provided with a customer database D10 including field items as shown in FIG. In the customer database D10, various items for specifying the electronic settlement apparatus 10 and the owner (operator) are recorded in addition to the customer name, customer contact phone number, address, mobile phone number, and password. Can do. When the transaction is started, the mobile phone number is used as the ID, so that the input of the ID can be omitted separately. This is because in the case of a mobile phone number, there is no duplicate value, and depending on the setting in the mobile phone 50, the caller number can be notified to the other party. As a matter of course, it may be configured to require the input of an ID separately to further increase security.

  When the verification of the electronic payment apparatus 10 in the payment information management server 20 is completed, a transaction between the electronic payment apparatus 10 and the payment information management server 20 is started, and the electronic payment apparatus 10 includes a mobile phone constituting the transaction. 50 and the card reader 60 are connected (S12). In the present embodiment, the connection between the mobile phone 50 and the card reader 60 (printer) is managed by the IP address and PIN code as shown in the “B-3 Printer Setting” screen of FIG. In order to maintain consistency when connecting the two, it is desirable to perform authentication by ID when connecting the two. That is, an ID (access code) is transmitted from the second communication means of the mobile phone 50 to the card reader 60, and the authentication is completed on the card reader 60 side so that information can be transmitted and received between the two. For this reason, it is desirable that a memory for recording an ID and an information processing unit for collating the ID are provided on the card reader 60 side.

  When the connection between the mobile phone 50 and the card reader 60 is completed, as shown in the “C-2 card reading (standby)” screen of FIG. 6, the card reader 60 makes a payment (the purchaser of the product or service). ) Is read (S13). The card information read by the card reader 60 is transmitted from the communication means in the card reader 60 to the mobile phone 50, and the card information is received by the second communication means in the mobile phone 50.

  After reading the card information, as shown in the “D-1 payment input” screen in FIG. 6, a screen for inputting payment information (payment input screen) on the mobile phone 50 is displayed on the display, and the amount, payment method, And requesting the number of installments for installments. About this payment input screen, an operator (operator) inputs necessary information by operating an input key of the mobile phone 50 (S14), and the mobile phone 50 acquires the input value.

  When the input of payment information on the payment input screen is completed, the application in the mobile phone 50 performs GPS positioning and acquires the current position information (S15). This state is shown on the screen of “D-5 GPS positioning (payment)” in FIG.

  Then, in the mobile phone 50, as shown in the “D-2 payment communication” screen in FIG. 6, information acquired by the mobile phone 50 by the above-described operation or processing, that is, card information, payment information, and The current position information and the like are transmitted to the payment information management server 20 as payment information (a message used for payment) (S16). When the payment information is transmitted, the first communication means 51 in the mobile phone 50 is used and transmitted to the payment information management server 20 via the mobile phone 50 communication network.

  In the payment information management server 20, when the payment information transmitted from the electronic payment apparatus 10 is received (S17), the position information included in the payment message is extracted and the validity of the position information is verified (S18). . For example, if two payments that are close in time are made and the location where the payments are made is difficult to move due to the difference in the time, the application for the payment is warned as invalid. Can be issued. In addition, it is determined whether or not the payment is made within the business area of the person (operator) who uses the electronic payment apparatus 10, and if the payment is made at a location significantly away from the business area, A warning can be issued regarding an unjustified application for payment. Thus, when approving a payment request, if there is any inappropriate matter as a result of the determination based on the position information (S19), the content can be transmitted as a warning to the electronic payment apparatus 10 ( S20). On the other hand, if there is no particular problem when requesting payment information based on the position information (S21), the information requesting the payment (payment request information) is transmitted to the payment server 40 via the relay server 30 in FIG. S22). Whether or not the place where the payment has been made can be determined from the position information obtained by accumulating the position information when the payment has been made in the past.

  The settlement server 40 determines whether or not to perform settlement for the received settlement request information (that is, whether to approve the requested settlement) (S23), and the result is sent via the relay server 30. To the settlement information management server 20 (S24). The settlement information management server 20 receives the determination result information (S25) and analyzes the determination result information (S26). This determination result information is received as a message composed of a determination approval number, processing date and time, card company name, card company telephone number, approval number, error code, etc. Based on the presence or absence of a number, approval or denial of the requested payment information is determined.

  As a result of the analysis of the determination information in the payment information management server 20, if an approval determination is made to approve the requested payment (S 27), the approval information is transmitted from the payment information management server 20 to the electronic payment apparatus 10. Is done. Upon receiving the payment approval information (S29), the electronic payment apparatus 10 displays the content of the payment approval information on the display as a payment result ("D-3 payment result" screen in FIG. 6). That is, on the display, the card number (part or all) used for the settlement, the amount for settlement, the settlement approval number, the payment method, and the number of payments in installments are displayed. In addition, an icon for instructing printing to a printer included in the card reader 60 is provided on the screen displaying the payment result. When the operator and the person making the payment confirm the payment result and select an icon for instructing the printing, information relating to the settlement is transmitted from the second communication means to the card reader 60. The card reader 60 that has received the information related to the payment prints the information related to the payment with a printer (S30). The printed payment information is officially settled by being signed by the person who performs the payment (payer). Note that the payment information printed by the card reader 60 is preferably printed in two copies: a payer's copy and an operator's copy, as shown in the transition diagram of the mobile phone screen in FIG. Further, when the application on the mobile phone is to be terminated without printing the information related to the settlement with a printer, it is desirable to issue a warning as shown in the “D-4 printing omission confirmation” screen of FIG.

  On the other hand, as a result of the determination information analysis in the payment information management server 20, if a denial determination that the requested payment is not approved has been performed (that is, a payment approval number is not given) (S31), The content of the denial information is analyzed (S32). That is, the column of the payment approval number is extracted from the determination result message, and when the payment approval number is not assigned to the column, the card company telephone number and the error code are extracted.

  The extracted error code is used as a search key for the denial message database D20 in the payment information management server 20, and the payment information management server 20 extracts the error content and the coping method corresponding to the error code based on the search result. . For this reason, the payment information management server 20 needs to have a database that records the contents of the error code and the coping method corresponding to the error code. FIG. 9 shows an example of field items of the denial message database D20, in which display messages, error contents, and handling methods are described in association with error codes. For example, when the error code “G60” is extracted from the communication message, the error content “accident card” and the countermeasure “accident card” corresponding to this code are entered. Please contact the handling company in the display column. " Then, the error content as a result of the analysis and the coping method and the card company telephone number extracted from the communication message are transmitted to the electronic settlement apparatus 10 (S33).

  In the electronic payment apparatus 10, when the result of the determination information analysis in the payment information management server 20 is a denial determination that the requested payment is not approved, an error content transmitted from the payment information management server 20 and a coping method, and The telephone number of the card company that requested the settlement can be acquired (S34), and this can be displayed on the display. As a result, even when the settlement is denied, the reason, the coping method, and the contact information can be quickly grasped. As a result, the rapid settlement and the safety of the transaction can be achieved.

  In the embodiment described above, the settlement information management server 20 analyzes settlement determination information, and when the requested settlement is denied, the denial information is analyzed. It can also be mounted on the electronic settlement apparatus 10 side, more specifically, 50 mobile phones. That is, the above-mentioned denial message database is provided in the memory of the 50 mobile phones, and the CPU as the information processing means provided in the 50 mobile phones extracts the card company's phone number and error code in the determination information. As the search key, the denial message database can be searched to extract the error content and the coping method, and displayed on the display.

  According to the electronic payment system 1 configured as described above, when an illegal payment is made, a determination can be made based on position information in payment information (payment request message) for requesting payment. And since the validity of the payment information based on such position information can be performed in the payment information management server 20, it can be quickly confirmed before transmitting to the relay server 30 such as CAFIS.

  Further, with respect to the determination result (payment determination message) transmitted when the payment approval determination is performed in the payment server 40, the content and the countermeasure, and the contact information are extracted from the content in the payment information management server 20. Since the data can be transmitted, even if the approval of payment is not obtained, it is possible to respond quickly. In particular, when a card that has lost its effectiveness (accident card) is used due to theft, loss, or exceeding the loan limit, the display on the mobile phone 50 is displayed. Based on the displayed countermeasure, the card used for the settlement can be deposited on the spot, so that it is possible to ensure safety in commercial transactions based on unauthorized use of a credit card.

  Next, an example of a hardware configuration of a computer used as a component of the settlement information management server 20 and the settlement server 40 that constitute the electronic settlement system 1 will be described with reference to FIG.

  A computer 800 includes a CPU 801, a memory 802, an audio output device 803, a network interface 804, a display controller 805, a display device 806, an input device interface 807, a keyboard 808, a mouse 809, an external storage device 810, a recording medium driving device 811, and a recording medium. An interface 812 and a bus 813 that connects these components to each other can be configured. However, for the server 110, at least the audio output device 803, the display controller 805, the display device 806, the input device interface 807, the keyboard 808, and the mouse 809 are not essential components. For the client 40, at least the audio output device 803 is not an essential component.

The CPU 801 controls the operation of each component of the computer 800, and under the control of the OS,
The execution of each program is controlled, and the operation of each component (each server) of the electronic settlement system 1 according to the present invention is controlled. The memory 802 is generally composed of a ROM (Read Only Memory) that is a nonvolatile memory and a RAM (Random Access Memory) that is a volatile memory. The ROM stores a program executed when the computer 800 is started. In the RAM, a program executed by the CPU 801 and for realizing each function of the server according to the present embodiment (a search function in the settlement information management server), and data used during execution of these programs ( Customer database, denial message database, etc.) are stored.

  The audio output device 803 is a device that outputs audio, such as a speaker, for example, and the network interface 804 is an interface for connecting to the network 820. The network 820 corresponds to the network 130 illustrated in FIG.

  A display controller 805 is a dedicated controller for actually processing a drawing command issued by the CPU 801. The drawing data processed by the display controller 805 is once written in the graphic memory and then output to the display device 806. The display device 806 is a display device configured with, for example, an LCD or a CRT.

  The input device interface 807 receives a signal input from the keyboard 808 or the mouse 809 and transmits a predetermined command to the CPU 801 according to the signal pattern. The keyboard 808 and the mouse 809 are necessary for inputting search key information and specifying output content information in the client 40.

  The external storage device 810 is a storage device such as a hard disk drive (HDD), for example, and the above-described program and data are recorded in this device and loaded into the RAM of the memory 802 as necessary at the time of execution. Is done. A storage means for storing a calculation file used for calculation of the server 110 and various data files, such as a customer file and a performance file, corresponds to the external storage device 810.

  The recording medium driving device 811 accesses a recording surface of a portable disk type recording medium 830 such as a CD (Compact Disc), an MO (Magneto-Optical Disc), a DVD (Digital Versatile Disc), etc., and is recorded there. It is a device that reads data. The recording medium 830 can also record a program for realizing the electronic settlement system 1 according to the present invention. Data recorded in the recording medium 830 is stored in the external storage device 810 via the recording medium driving device 811. If it is a program, it is loaded into the RAM of the memory 802 at the time of execution.

  Further, as another distribution form of the program for realizing the electronic settlement system 1 according to the present invention, it is stored in the external storage device 810 from a predetermined server on the network via the network 820 and the network interface 804, or It can be considered that it is executed directly. The program stored in such a route is loaded into the RAM of the memory 802 at the time of execution and executed as described above.

  The recording medium interface 812 is connected to a portable memory type recording medium 840 including a semiconductor memory (for example, a flash memory) such as a USB memory, an SD memory, or a memory stick through a connection terminal or the like, and data recorded therein is transferred. It is a reading device. A program for realizing the vehicle information providing network system 1 according to the present invention can be recorded on the recording medium 840 in the same manner as the disk-type recording medium 830.

Schematic diagram showing the overall configuration of an electronic payment system according to the present embodiment BRIEF DESCRIPTION OF THE DRAWINGS Drawing showing transaction and processing contents Transition diagram of mobile phone screen Transition diagram of mobile phone screen Transition diagram of mobile phone screen Transition diagram of mobile phone screen Drawing showing customer database items Drawing showing items of denial message database Schematic diagram showing the hardware configuration of a computer

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Electronic payment apparatus 20 Payment information management server 30 Relay server 40 Payment server 50 Mobile telephone 51 Communication means 52 Memory 54 Display 55 Input key 56 Location information acquisition means 60 Card reader 64 Printer D10 Customer database D20 Denial message database

Claims (6)

An electronic payment system comprising an electronic payment device for acquiring payment information for payment of a commercial transaction, and a payment information management server for managing the payment information acquired by the electronic payment device and transmitting the payment information to an external payment server Because
The electronic settlement apparatus includes a card reader that reads card information from a card used for settlement of a commercial transaction, acquires information read by the card reader by wired or wireless communication, and uses the acquired information as an external settlement information management server A mobile terminal having a self-identification number, which is transmitted by wireless information communication.
The card reader has identification information for identifying a portable terminal that can be connected to the inside, and when starting a session with the portable terminal, the consistency with the identification information transmitted from the portable terminal is determined. And is configured to session only if the identity matches,
The mobile terminal includes current position acquisition means for acquiring current position information, and transmits the acquired position information to an external payment information management server in a transaction at the time of settlement of a commercial transaction, and information on the payment information management server Transmitting self-identification information for identifying itself in the communication network used for transmission to the external settlement information management server,
The mobile terminal is a mobile phone, and a mobile phone number is used as the self-identification number,
The payment information management server receives position information and self-identification information transmitted from the electronic payment apparatus, determines whether the payment information is correct, and instructs to hold credit transfer approval from an external payment server triggered by the reception, and sends the mobile phone number to the settlement server, it characterized that you have to allow direct voice communication between the cellular phone, an electronic payment system.
The card reader includes a printing unit, and when the mobile terminal receives the approval information for executing payment, the printing unit prints information necessary for payment and a signature field on a medium,
The electronic payment system according to claim 1, wherein the current position information acquired by the current position acquisition means of the portable terminal is transmitted to the payment information management server together with the payment information or self-identification information in the electronic payment apparatus.
The settlement information management server
User information storage means for recording the self-identification number information of the electronic settlement apparatus and the location information of the user;
A position information comparison means for comparing the position information of the mobile terminal transmitted in the transaction at the time of settlement of the commercial transaction and the user location information recorded in the user information storage means;
Based on the self-identification number information of the electronic settlement apparatus, the current location information where the settlement has been performed is registered from the user information stored in the user information storage means periodically or immediately. The electronic payment system according to claim 1 or 2 , wherein the electronic payment system is notified.
The electronic payment apparatus or the payment information management server is
Corresponding to the error code included in the determination result information on whether or not to make a payment at an external payment server, it has a denial message database that records the contents of the error code and the coping method, and the received determination result information When the payment approval number is not given, the error code is extracted, the denial message database is searched using the error code as a search key, and the error content corresponding to the error code based on the search result and the countermeasure extracting a method, an electronic settlement system according to any one of claims 1 to 3 to be displayed on the portable terminal.
A mobile terminal comprising a mobile phone having a wireless communication means and a card reader that obtains card information in a contact or non-contact manner establishes information communication after ensuring security by authenticating identification information in the card reader. A card reader recognition step;
A network establishment step in which the mobile terminal establishes information communication in a wireless manner with a payment information management server that manages payment information;
A card information acquisition step in which the card reader acquires card information in a contact or non-contact format and records the acquired card information in a memory of a mobile terminal;
A payment information entry step that prompts you to enter the payment amount and method of payment for payment,
A position information acquisition step of acquiring current position information by a current position acquisition means included in the portable terminal and recording it in a memory;
A payment information transmission step of transmitting payment information including the card information, payment information and position information acquired in the above step to a payment information management server by a wireless communication method;
Credit result information transmission step for performing advance approval of credit settlement based on the settlement information transmitted by the electronic settlement apparatus and transmitting a result of approval / disapproval;
A credit result information receiving step in which the electronic settlement apparatus receives the credit result information; and
Triggered by reception of information instructing rejection or suspension of credit payment change approval in the credit result information in the electronic payment device, the electronic payment device transmits the self-identification number in the electronic payment device to an external payment server, and between the mobile phone An electronic settlement method comprising a self-identification number notifying step that enables a direct voice call .
A payment information transmission step in which the electronic payment apparatus acquires card information and transmits the payment information including the acquired card information by a wireless communication method;
Credit result information transmission step for performing advance approval of credit settlement based on the settlement information transmitted by the electronic settlement apparatus and transmitting a result of approval / disapproval;
A credit result information receiving step in which the electronic settlement apparatus receives the credit result information; and
In response to reception of information instructing rejection of credit payment change approval in the credit result information in the credit settlement information, the content of the error code corresponding to the error code included in the determination result information included in the electronic settlement device And a step of searching a non-repudiation message database in which a coping method is recorded,
The electronic payment method according to claim 5 , further comprising: displaying a search result on a display included in the electronic payment apparatus.