JP6528160B1 - Payment system - Google Patents

Abstract

To provide a settlement system that enables settlement without using a dedicated settlement terminal when settlement is performed using a contactless IC card. A payment system includes a user terminal, a store terminal, and a payment server connected via a network. One of the user terminal and the shop terminal encodes the payment amount into an optical mark and displays the payment amount, and the other reads and decodes the displayed optical mark Get the payment amount by doing. The user terminal compares the balance information stored in the secure area of the IC card with the input or the obtained payment amount to determine whether payment is possible, and the balance check means determines that payment is possible. The access right for rewriting the balance information of the IC card is acquired by authenticating the IC server with the settlement server using the IC access key shared in advance. [Selected figure] Figure 5

Description

  The present invention relates to a payment system, and more particularly, to a cashless payment system.

  Cashless settlement, which does not use cash as a settlement method, is rapidly advancing. Conventionally, cashless settlement has been performed using a magnetic stripe card or a contact type IC card, but in recent years, cashless settlement using a contactless card or QR code (registered trademark) has also rapidly spread. In cashless payment, various payment methods are mixed, and both consumers and retailers are confused, and the convenience is lost contrary to the original purpose.

  In Japan, many transit cards using the FeliCa (registered trademark) technology have been widely disseminated, and it can be said that this transit card is in the disuse phase in which it is used for the purpose of settlement to other goods sales. However, there are also aspects where spread is slowed due to the cost burden on the introduction of payment terminals on the retailer side.

  On the other hand, in other countries, the payment method using QR code with smartphone is simpler and less burden on the dealer side, but China's Alipay (registered trademark) and WeChatPay (registered trademark) are considered as explosive growth of its popularization It is expanding.

  Due to the rapid expansion of payment methods using smartphones and QR codes in foreign countries, it has become necessary to greatly review the way cashless payment is done in Japan.

JP, 2005-276023, A

  However, it is also a fact that there are still many problems, such as QR code settlement, which has become widespread rapidly, so that verification of security is insufficient.

Here, the method of cashless payment can be roughly classified into the following five methods.
(Method 1) Method using a magnetic stripe card: This is a method to make online settlement with a dedicated terminal using a card called a debit card, a credit card or the like. There is a restriction that a credit account or a bank account is required.
(Method 2) A method using a contact type IC card: This is a method to make online settlement with a dedicated terminal using a card called a debit card, a credit card or the like. There is a restriction that a credit account or a bank account is required.
(Method 3) A method using non-contact IC (post-pay): This is a small-amount settlement using a debit card and a credit card, and is a method to make an online settlement with a dedicated terminal. There is a restriction that a credit account or a bank account is required.
(Method 4) A method using a QR code in a smartphone: It is possible to make a small amount payment, and make a payment using an Internet connection using a general-purpose tablet or the like. There is a limitation that an account managed by a service provider is required.
(Method 5) A method using a noncontact IC (prepaid charge) card: a method using a card called a so-called traffic IC card, which can be settled off-line by a dedicated terminal.

  Although the system of the card as a medium of the authentication information of the user is different from (Scheme 1) to (Scheme 3), they are common in that dedicated settlement terminals on the dealer side are connected by an online network. The user must have a bank account or be a credit member, and the balance or credit information is managed online.

  (Method 4) is a method that can be realized by the spread of smartphones to users. By having a lot of functions in the application (application software) that runs on the user's smartphone, and converting authentication information, money, and payment into QR code, the facility on the retailer side can be simplified. As a result, the facilities on the dealer side became simple and widespread. When the store side presents, the store side can also be used only by posting the QR code printed on paper to the store. However, since the payment information is managed by the account managed by the service provider, there is a risk that personal transaction information may be missed by the service provider.

  (Method 5) is a method that is especially widespread in Japan. It was developed for transportation, so it can be processed quickly and safely so that the ticket will not stay, it can be used without having a bank account or credit card, and it is a prepaid system so that the balance is held in the card Therefore, it can be used without a network. However, since a dedicated terminal is required, there is a risk that it will take time to spread if the cost for facility investment is insufficient.

  In addition, although (Method 5) has become widespread in Japan, the cost burden of introducing a payment terminal on the retailer side actually hinders the spread.

  The present invention has been made in view of such conventional problems, and an object of the present invention is to provide a dedicated payment terminal when making a payment using a contactless IC card such as a traffic IC card currently in widespread use. An object of the present invention is to provide a payment system that enables payment by exchanging payment information via an optical mark without the need.

  In order to solve the above problems, the invention described in one embodiment is a user terminal used by a paying user connected via a network, and a shop terminal used in a shop Using the IC access key for authenticating access to the secure area of the IC card, and generating access authority and instructing the content of processing for the secure area of the IC card to perform access control and remittance to the dealer account A payment system comprising: a payment server, wherein the user terminal, the shop terminal and the payment server cooperate to execute payment by an IC card having balance information stored in a secure area, One of the consumer terminal and the dealer terminal, means for inputting the payment amount, and encoding the input payment amount into an optical mark And the other of the user terminal and the shop terminal has a means for acquiring a payment amount by reading and decoding the displayed optical mark, the user terminal The balance check means determines whether payment is possible by comparing the balance information stored in the secure area of the IC card with the input or the obtained payment amount, and determines that payment is possible by the balance check means The system further comprises an access authority acquiring unit for acquiring the access authority for rewriting the balance information of the IC card by authenticating the settlement server using the IC access key shared in advance and authentication of the IC card, The settlement server is instructed to deduct the payment amount from the balance information of the IC card when it is determined that the payment can be made by the balance check means. Serial via user terminal has the means to execute the settlement process to remit the payment to the dealer account and sends to the IC card, a settlement system.

  The invention described in another embodiment uses a user terminal connected via a network and used by a paying user and an IC access key for authenticating access to a secure area of an IC card. And a settlement server for performing remittance to a dealer account while performing access management by generating an access right and instructing processing contents to a secure area of the IC card, and the user terminal and the settlement server cooperate A payment system for executing a payment by an IC card whose balance information is stored in a secure area, and the user terminal acquires the payment amount by reading and decoding the displayed optical mark The balance information stored in the secure area of the IC card is compared with the acquired payment amount to determine whether payment is possible. Balance check means, access authority for rewriting the balance information of the IC card determined to be payable by the balance check means, the settlement server using the IC access key shared in advance, and the IC card And the payment server is instructed to deduct the payment amount from the balance information of the IC card when it is determined that the payment can be made by the balance check unit. Are sent to the IC card via the user terminal, and the payment system includes means for executing a payment process for transferring the payment amount to the store account.

It is a figure which shows the structural example of the payment system of this embodiment. FIG. 2 is a functional block diagram showing a configuration example of a user terminal 1; FIG. 2 is a functional block diagram showing a configuration example of a store terminal 2. FIG. 6 is a functional block diagram showing an example of configuration of the settlement server 3; It is a figure which shows the processing flow in the payment system of 1st Embodiment. FIG. 6 is a view showing an example of a screen displayed on the user terminal 1 or the shop terminal 2; It is a figure which shows the processing flow in the payment system of 2nd Embodiment. FIG. 6 is a view showing an example of a screen displayed on the user terminal 1 or the shop terminal 2; It is a figure which shows the processing flow in the settlement system of 3rd Embodiment. FIG. 2 is a view showing an example of a screen displayed on a user terminal 1;

  Hereinafter, embodiments of the present invention will be described in detail.

  The settlement system of the present embodiment does not require a dedicated settlement terminal when making settlement using a non-contact IC card such as a traffic IC card currently in widespread use, and exchanges payment information via an optical mark. It is possible to make a payment by doing. The optical mark used in the present embodiment refers to an optically readable mark on which arbitrary information is displayed according to a predetermined rule. Examples of the optical mark include, for example, a two-dimensional code including a QR code, a bar code, and the like, and the type thereof is not particularly limited.

  The settlement system of this embodiment is classified into Consumer Presented mode (first embodiment) in which the optical mark is displayed on the payment side and Merchant-Present mode in which the optical mark is displayed on the dealer side. Furthermore, Merchant-Presented mode is classified into a dynamic mode (second embodiment) and a static mode (third embodiment). The dynamic mode is a mode in which the dealer also operates the application software to generate an optical mark and present it to the user each time, and the static mode uses the optical mark printed on a medium such as paper in advance. This is an aspect to present to a person. Hereinafter, the settlement system according to each embodiment will be described. In the following embodiment, although the case where QR code is used as an optical mark is mentioned as an example and explained, the optical mark which can be used in the settlement system of this embodiment is not limited to QR code.

First Embodiment
FIG. 1 is a diagram showing a configuration example of the payment system of the present embodiment, FIG. 2 is a functional block diagram showing a configuration example of the user terminal 1, and FIG. 3 is a functional block showing a configuration example of the store terminal 2 It is a figure, FIG. 4 is a functional block diagram which shows the structural example of the payment server 3. As shown in FIG. FIG. 1 shows a configuration in which a user terminal 1, a store terminal 2, and a settlement server 3 are communicably connected via a network 4 as a settlement system of the present embodiment. Although one user terminal 1 and one shop terminal 2 are shown in the configuration shown in FIG. 1, it is needless to say that a plurality of the user terminal 1 and the shop terminal 2 may be connected.

  The IC card usable in the settlement system of the present embodiment is assumed to be a non-contact IC card such as a so-called traffic IC card. In a contactless IC card such as a traffic IC card, there is a secure area, which is an area where access can not be read or written without authentication between the payment server and the IC card, and an area that can be read arbitrarily A certain non-secure area exists in the storage area. When accessing the secure area, authentication of access authority is performed using the IC access key shared in advance by the payment server and the IC card. Balance information and the like are stored in the secure area. The non-secure area stores, for example, IC card identification information that is information for identifying a card. Also, the IC access key used for authentication is embedded in the IC card at the time of manufacturing the IC card.

  The user terminal 1 is a terminal used by the user of the present system of the payment side, and has a function capable of accessing an IC card (not shown) by near field communication (NFC) wireless communication. It may be any terminal capable of installing and executing an application for a user (hereinafter, also referred to as a user application), and for example, a smartphone, a tablet, a personal computer or the like can be used as the user terminal 1. Since the user application of the present settlement system is used to make settlement while accessing the IC card as needed, the user terminal 1 is preferably a mobile type terminal.

  The store terminal 2 is a terminal used by the user of the present system on the store side, and it may be a terminal that can install and execute a store application (hereinafter also referred to as a store application) for the present settlement system. For example, a smartphone, a tablet, a personal computer, a POS terminal or the like can be used as the store terminal 2.

  The settlement server 3 authenticates the IC access key, issues an access right to the secure area, designates the content of the process to the secure area of the IC card, controls the access, and transfers the money to the account of the store if necessary. It is a server to do. The settlement server 3 is connected to a store account management server (not shown), and performs remittance processing by instructing the store account management server to perform remittance processing to the store account as necessary. Can. The store account management server is a server such as a financial institution that manages the store account, and can transfer money to the store account based on the remittance instruction from the payment server 3.

  The network 4 is a communication path which enables the user terminal 1 and the settlement server 3 or the shop terminal 2 and the settlement server 3 to respectively transmit and receive information. For example, the Internet can be used. It does not prevent using a dedicated line.

  The user terminal 1 shown in FIG. 2 includes an NFC communication unit 12, a server communication unit 13, a QR code function unit 14, a camera function unit 15, and an input / output unit 16, and the units are mutually connected. Configuration is shown. The user terminal 1 includes a CPU, a memory, other storage means, a display means, a camera, an antenna, a modem and the like, and these configurations cooperate with one another to provide the functions of the functional units 12 to 16 shown in FIG. To achieve.

  The NFC communication unit 12 accesses the IC card by NFC wireless communication. The IC card identification information for identifying the IC card is acquired from the IC card, or desired processing for the secure area of the IC card is executed using the IC access message received from the settlement server 3.

  The server communication unit 13 executes processing for transmitting a balance confirmation request to the settlement server 3 via the network 4 and receiving an IC access message from the settlement server 3.

  The QR code function unit 14 encodes predetermined information into a QR code, or reads the QR code and decodes it into predetermined information, as necessary. In the present embodiment, an operation of encoding predetermined information into a QR code is performed.

  The camera function unit 15 can acquire a desired image by photographing as necessary. In the present embodiment, the product tag is photographed and used to acquire an image of the product tag. Information such as the payment amount can be extracted from the photographed image of the product tag.

  The input / output unit 16 is a display screen or an audio input / output device as an interface for inputting / outputting information. By using a touch panel display as the display screen, the display screen can be used as an input unit. For example, necessary information such as the payment amount can be manually input by the user.

  The store terminal 2 shown in FIG. 3 includes a server communication unit 22, a QR code function unit 23, a camera function unit 24, and an input / output unit 25. A configuration in which the units are connected to each other is shown. There is. The store terminal 2 includes a CPU, a memory, other storage means, a display means, a camera, an antenna, a modem and the like, and these configurations cooperate with one another to provide the functions of the functional units 22 to 24 shown in FIG. To achieve.

  The server communication unit 22 transmits the read result to the settlement server 3 via the network 4 or receives a notification of settlement processing completion from the settlement server 3.

  The QR code function unit 23 encodes predetermined information into a QR code, or reads the QR code and decodes it into predetermined information, as necessary. In the present embodiment, an operation of decoding the QR code and reading predetermined information is performed.

  The camera function unit 24 can acquire a desired image by photographing as necessary. In the present embodiment, it is used to acquire an image of a QR code obtained by capturing a QR code. The acquired image of the QR code is processed by the QR code function unit 23 to extract information such as the payment amount.

  The input / output unit 25 is a display screen, an audio input / output device, or the like which is an interface for inputting / outputting information. By using a touch panel display as the display screen, the display screen can be used as an input unit. For example, the dealer can manually input necessary information such as the payment amount.

  The settlement server 3 shown in FIG. 4 includes a terminal communication unit 32, an IC access message generation unit 33, and a remittance processing unit 34, and a configuration in which the respective units are connected to one another is shown. The settlement server 3 includes a CPU, a memory, other storage means, a modem, and the like, and these configurations cooperate to realize the functions of the functional units 32 to 34 shown in FIG.

  The terminal communication unit 32 performs communication via the Internet to transmit and receive information to and from the user terminal 1 and the shop terminal 3 or the like.

  When the IC access message generation unit 33 receives an access request (balance confirmation request, payment request) to the IC card from the user terminal 1, after performing authentication using the IC access key, the IC access message generation section 33 An IC access message that can be accessed to perform predetermined processing on balance information is generated. The IC access message includes an authority for the user terminal 1 to refer to the balance information stored in the secure area of the IC card, and a process in which the IC card itself rewrites the balance information stored in the secure area. There are some which contain instructions to execute.

  The authentication using the IC access key can be performed by the IC card and the settlement server 3 in cooperation with each other using the IC access key shared with the IC card. For example, the user terminal 1 sends the random number generated by the IC card to the settlement server 3, and the settlement server 3 having received the random number calculates the random number using the IC access key owned by itself. The settlement server 3 includes the calculation result in the IC access message for rewriting the balance information and passes it to the user terminal 1, and the user terminal 1 passes the IC access message including the calculation result to the IC card. If the value obtained by calculating the calculation result included in the IC card using the random number generated by itself and the IC access key held by the IC card having received the IC access message matches the balance, Permit information rewriting. In this case, the calculation result of the random number corresponds to the access authority. The random number can be sent to the settlement server 3 by being included in the IC card identification information.

  The remittance processing unit 34 instructs the store account management server to perform a remittance process on the store account as required.

  Next, the operation of the settlement system of the present embodiment will be described. In the settlement system of the present embodiment, the user activates the user application on the user terminal 1 of the user, displays the QR code after inputting information such as the purchase price, and displays the displayed QR code on the shop terminal 2 Operates in reading mode.

  FIG. 5 is a diagram showing a process flow in the settlement system of the present embodiment, and FIG. 6 is a diagram showing an example of a screen displayed on the user terminal 1 or the shop terminal 2.

  First, in the user terminal 1, when the user application is activated, the input / output unit 16 displays, for example, the screen shown in FIG. 6A on the display screen, and inputs the price to the payment side user. Prompting, for example, by reading the tag of the product by the camera function unit 15, it is possible to receive the input of the payment amount (step S101). The payment amount input process in step S101 may also be performed by, for example, the payment-side user on the software keyboard displayed on the display screen of the input / output unit 16 in the user terminal 1 at which the user application is activated. It can be done, and its input method does not matter.

  In the user terminal 1, the NFC communication unit 12 accesses the IC card to acquire IC card identification information (step S102), and the server communication unit 13 confirms the balance including the IC card identification information acquired in step S102. A request is sent to the settlement server 3 (step S103).

  In the settlement server 3, when the terminal communication unit 32 receives the balance confirmation request from the user terminal 1 (step S104), the IC access message generation unit 33 generates an IC access message for the IC card identified by the IC card identification information. Are generated (step S105). The IC card access message generation unit 33 uses, for example, an IC access key identified by the IC card identification information to calculate the random number sent from the user terminal. A telegram can be generated. The terminal communication unit 32 transmits the generated IC access message to the user terminal 1 (step S106).

  In the user terminal 1, when the server communication unit 13 receives the IC access message from the settlement server 3 (step S107), the NFC communication unit 12 accesses the IC card using the IC access message and checks the balance. (Step S108). The balance check is determined based on whether the balance stored in the IC card is equal to or more than the payment amount. If it is determined that the balance is not the payment amount or more (step S108: No), the process is ended.

  When it is determined that the balance is equal to or more than the payment amount (step S108: Yes), the QR code function unit 14 generates a QR code in the user terminal 1, and the input / output unit 16 displays the generated QR code on the display screen For example, the display is made as shown in FIG. 6B (step S109). In the generated QR code, the IC card identification information and the payment amount are encoded. In addition, the process number randomly generated for each payment process can also be encoded in the QR code.

  When the shop app is activated on the shop terminal 2, the input / output unit 25 displays a screen shown in FIG. 6C, for example, on the display screen, and reads the QR code displayed on the user terminal 1 In accordance with this, the camera function unit 24 reads the QR code (step S110).

  In the store terminal 2, when the QR code is read, the QR code function unit 23 decodes the QR code to acquire data encoded in the QR code (IC card identification information, payment amount, etc.), and the server The communication unit 22 transmits the acquired IC card identification information and the payment amount to the settlement server 3 as the reading result together with the shop account information linked to the shop terminal 2 (step S111). In steps S110 to S111, the input / output unit 25 can display a screen shown in FIG. 6D, for example, on the display screen to notify the user or the store that processing is in progress.

  In the settlement server 3, when the terminal communication unit 32 receives the read result (step S112), the terminal communication unit 32 executes the settlement process in cooperation with the user terminal 1, the shop terminal 2 and the shop account management server (step S113).

  In the settlement process of step S113, the remittance processing unit 34 in the settlement server 3 remits the payment amount included in the read result to the account corresponding to the shop account information to the shop account management server. (Operation 2) In the settlement server 3, the IC access message generation unit 33 executes an IC card access message for executing withdrawal processing of the payment amount for the IC card of the IC card identification information included in the reading result. When a settlement instruction is issued to the IC card via the user terminal 1 by transmitting the IC access message generated by the terminal communication unit 32 to the user terminal 1, the user is instructed based on the settlement instruction. In the terminal 1, the NFC communication unit 12 passes the IC access message to the IC card to cause the IC card to execute an instruction for withdrawal processing of the payment amount ( 3) In the settlement server 3, when the terminal communication unit 32 receives an ACK within a predetermined time, and confirms that the execution according to the instructions of (Process 1) and (Process 2) has been completed, the user terminal 1 and the sales The shop terminal 2 is notified of the completion of the settlement. On the other hand, when the terminal communication unit 32 of the settlement server 3 does not receive the ACK within the predetermined time, etc., the processing 1 and the processing 2 are not completed within the predetermined time, the store account management server And instructs the IC card via the user terminal 1 to cancel the process based on (Process 1) and (Process 2).

  When the payment completion is notified, in the user terminal 1, the input / output unit 16 displays, for example, a screen shown in FIG. 6F on the display screen, and in the shop terminal 2, the input / output unit 25 is displayed on the display screen. For example, the screen shown in FIG. 6E is displayed so that the user or the shop can confirm that the payment has been completed.

Second Embodiment
In the settlement system of the present embodiment, in the settlement system of the first embodiment shown in FIGS. 1 to 4, the QR code function unit 14 of the user terminal 1 encodes the QR code, and the QR code function of the store terminal 2 Instead of the configuration in which the unit 23 decodes the QR code, the QR code function unit 23 of the store terminal 2 encodes the QR code, and the QR code function unit 14 of the user terminal 1 decodes the QR code is there. Further, the camera function unit 15 of the user terminal 1 functions in the same manner as the function of the camera function unit 24 of the store terminal 2 in the first embodiment, and the camera function unit 24 of the store terminal 2 is the first embodiment. Functions in the same manner as the camera function unit 15 of the user terminal 1 in FIG. The other configuration is the same as the settlement system of the first embodiment described with reference to FIGS. 1 to 4, and thus the description thereof is omitted.

  Next, the operation of the settlement system of the present embodiment will be described. In the settlement system of the present embodiment, the dealer presents the user with a QR code including information such as the price of the product, and the user operates the camera function from the user application of his smartphone. Shooting and payment procedures.

  FIG. 7 is a diagram showing a process flow in the settlement system of the present embodiment, and FIG. 8 is a diagram showing an example of a screen displayed on the user terminal 1 or the shop terminal 2.

  First, when the shop app is activated on the shop terminal 2, the input / output unit 25 displays, for example, a screen shown in FIG. 8A on the display screen, and prompts the shop to enter a price. For example, by causing the camera function unit 24 to scan the product code, the input of the payment amount can be received (step S201). The payment amount input process in step S201 may also be performed by, for example, the payment side user using the software keyboard displayed on the display screen of the input / output unit 25 at the store terminal 2 at which the store app is activated. It can be done, and its input method does not matter.

  In the store terminal 2, the QR code function unit 23 generates a QR code, and the input / output unit 25 displays the generated QR code on the display screen, for example, a screen shown in FIG. 8B (step S202). The shop account information and the payment amount are encoded in the generated QR code. In addition, the process number randomly generated for each payment process can also be encoded in the QR code.

  In the user terminal 1, when the user application is activated, the input / output unit 16 displays, for example, a screen shown in FIG. 8C on the display screen, and reads the QR code displayed on the shop terminal 2 Prompt the user to read the QR code by the camera function unit 15 according to the prompt (step S203).

  In the user terminal 1, the NFC communication unit 12 further accesses the IC card to acquire IC card identification information (step 204), and the QR code function unit 14 decodes the read QR code and encodes it into a QR code When the acquired data is acquired, the server communication unit 13 transmits the balance confirmation request including the acquired IC card identification information to the settlement server 3 (step S205).

  In the settlement server 3, when the terminal communication unit 32 receives the balance confirmation request from the user terminal 1 (step S206), the IC access message generation unit 33 generates an IC access message for the IC card identified by the IC card identification information. Are generated (step S207). The IC card access message generation unit 33 uses, for example, an IC access key identified by the IC card identification information to calculate the random number sent from the user terminal. A telegram can be generated. The terminal communication unit 32 further transmits the generated IC access message to the user terminal 1 (step S208).

  In the user terminal 1, when the server communication unit 13 receives the IC access message from the payment server 3 (step S209), the NFC communication unit 12 accesses the IC card using the IC access message and checks the balance. (Step S210). The balance check is determined based on whether the balance stored in the IC card is equal to or more than the payment amount. If it is determined that the balance is not the payment amount or more (step S210: No), the process is ended.

  When the user terminal 1 determines that the balance is equal to or more than the payment amount (step S210: Yes), the input / output unit 16 displays, for example, the screen shown in FIG. When the input is accepted and the OK is input, the server communication unit 13 settles the payment OK instruction including the store account information obtained from the QR code and the payment amount and the IC card identification information obtained from the IC card. It transmits to the server 3 (step S211).

  In the settlement server 3, when the terminal communication unit 32 receives the payment OK instruction (step S212), the terminal communication unit 32 executes the settlement processing in cooperation with the user terminal 1, the shop terminal 2 and the shop account management server ( Step S213).

  In the settlement process of step S213, in the (process 1) settlement server 3, the remittance processing unit 34 remits the payment amount included in the payment OK instruction to the account corresponding to the shop account information to the shop account management server. An instruction to execute the process is issued (Process 2) In the settlement server 3, the IC access message generation unit 33 executes an IC card access process to execute a withdrawal process of the payment amount for the IC card of the IC card identification information When a telegram is generated and an IC access telegram generated by the terminal communication unit 32 is transmitted to the user terminal 1 to issue a settlement instruction to the IC card via the user terminal 1, based on the settlement instruction. In the user terminal 1, the NFC communication unit 12 passes the IC access message to the IC card and causes the IC card to execute an instruction for withdrawal processing of the settlement amount. (Process 3) In the settlement server 3, when the terminal communication unit 32 receives an ACK within a predetermined time, etc., and confirms that the execution according to the instructions of (Process 1) and (Process 2) is completed, the user terminal 1 and notify the store terminal 2 of the completion of payment. On the other hand, when the terminal communication unit 32 of the settlement server 3 does not receive the ACK within the predetermined time, etc., the processing 1 and the processing 2 are not completed within the predetermined time, the store account management server And instructs the IC card via the user terminal 1 to cancel the process based on (Process 1) and (Process 2).

  When the payment completion is notified, in the user terminal 1, the input / output unit 16 displays, for example, a screen shown in FIG. 6F on the display screen, and in the shop terminal 2, the input / output unit 25 is displayed on the display screen. For example, the screen shown in FIG. 6E is displayed so that the user or the shop can confirm that the payment has been completed.

Third Embodiment
In the settlement system of the second embodiment, the settlement system of the present embodiment does not use the shop terminal 2 shown in FIG. In the settlement system of the second embodiment, the QR code displayed on the shop terminal 2 is printed in advance and displayed on a medium such as paper. The other configuration is the same as that of the settlement system of the second embodiment, and thus the description thereof will be omitted.

  Next, the operation of the settlement system of the present embodiment will be described. In the settlement system of the present embodiment, the store presents the user with a QR code including information such as the price of the product, and the user operates the camera function from the user application of his smartphone. Shooting and payment procedures.

  FIG. 9 is a diagram showing a process flow in the settlement system of the present embodiment, and FIG. 10 is a diagram showing an example of a screen displayed on the user terminal 1.

  First, when the user application is activated in the user terminal 1, the input / output unit 16 displays, for example, the screen shown in FIG. 10A on the display screen and reads the QR code displayed on the paper medium or the like In accordance with this, the camera function unit 15 reads the QR code (step S301). The shop account information and the payment amount are encoded in the QR code. In addition, the process number randomly generated for each payment process can also be encoded in the QR code.

  In the user terminal 1, the NFC communication unit 12 accesses the IC card to acquire IC card identification information (step 302), and the QR code function unit 14 decodes the read QR code and encodes it into the QR code. The server communication unit 13 acquires the acquired data, and transmits it to the settlement server 3 as a balance confirmation request including the acquired IC card identification information (step S303).

  In the settlement server 3, when the terminal communication unit 32 receives the balance confirmation request from the user terminal 1 (step S304), the IC access message generation unit 33 generates an IC access message for the IC card identified by the IC card identification information. Are generated (S305). The IC card access message generation unit 33 uses, for example, an IC access key identified by the IC card identification information to calculate the random number sent from the user terminal. A telegram can be generated. The terminal communication unit 32 further transmits the generated IC access message to the user terminal 1 (step S306).

  In the user terminal 1, when the server communication unit 13 receives the IC access message from the payment server 3 (step S307), the NFC communication unit 12 accesses the IC card using the IC access message and checks the balance. (Step S308). The balance check is determined based on whether the balance stored in the IC card is equal to or more than the payment amount. If it is determined that the balance is not the payment amount or more (step S308: No), the process ends.

  When the user terminal 1 determines that the balance is equal to or more than the payment amount (step S308: Yes), the input / output unit 25 displays, for example, the screen shown in FIG. When the input of OK is accepted, the server communication unit 13 instructs the payment OK instruction including the store account information obtained from the QR code and the payment amount and the IC card identification information obtained from the IC card. It transmits to the settlement server 3 (step S309).

  In the settlement server 3, when the terminal communication unit 32 receives the payment OK instruction (step S310), the terminal communication unit 32 executes the settlement process in cooperation with the user terminal 1, the shop terminal 2 and the shop account management server ( Step S311).

  In the settlement process of step S311, the remittance processing unit 34 of the settlement server 3 transfers the payment amount included in the payment OK instruction to the account corresponding to the dealer account information in the settlement server 3 (Process 1). An instruction to execute the process is issued (Process 2) In the settlement server 3, the IC access message generation unit 33 executes an IC card access process to execute a withdrawal process of the payment amount for the IC card of the IC card identification information included in the payment OK instruction. When a telegram is generated and an IC access telegram generated by the terminal communication unit 32 is transmitted to the user terminal 1 to issue a settlement instruction to the IC card via the user terminal 1, based on the settlement instruction. In the user terminal 1, the NFC communication unit 12 passes the IC access message to the IC card and causes the IC card to execute an instruction for withdrawal processing of the settlement amount. (Process 3) In the settlement server 3, when the terminal communication unit 32 receives an ACK within a predetermined time, etc., and confirms that the execution according to the instructions of (Process 1) and (Process 2) is completed, the user terminal 1 and notify the store terminal 2 of the completion of payment. On the other hand, when the terminal communication unit 32 of the settlement server 3 does not receive the ACK within the predetermined time, etc., the processing 1 and the processing 2 are not completed within the predetermined time, the store account management server And instructs the IC card via the user terminal 1 to cancel the process based on (Process 1) and (Process 2).

  When the payment completion is notified, in the user terminal 1, the input / output unit 16 displays, for example, the screen shown in FIG. 10C on the display screen, and confirms that the payment by the user or the store is completed. It can be so.

  Although the settlement systems of the first to third embodiments have been described as separate configurations in the above description, they may be configured as a settlement system provided with all of the configurations of the settlement systems of these embodiments. . In this case, the user terminal 1 can be made to select in which embodiment the settlement system is to be operated.

  Although the above embodiments have been described on the assumption that the IC card has an access restriction for read / write access to the secure area, the usable IC card has a secure area if it is read only and not rewritten. There are also IC cards that do not restrict access. In this case, in the process of reading the balance information by the user terminal 1, the user terminal 1 alone is not required (without using the IC access message) without requesting the settlement server 3 to send the IC access message (balance confirmation request). Can read the balance information. That is, in this case (when reading the balance information of the IC card having no access restriction in reading), the processing of steps S103 to S107 of FIG. 5, steps S205 to S209 of FIG. 7, and steps S303 to S307 of FIG. Can be omitted.

  In the above embodiment, the case where the settlement server calculates the random number generated by the IC card using the IC access key and functions as the access authority is described as an example. That is, although the IC card performs authentication by matching the result of calculating the random number using the preshared IC access key with the calculation result functioning as the access authority, the authentication method is based on this. It is not limited. It may be any method that can acquire the access authority by authenticating the payment server and the IC card using the pre-shared IC access key.

  By means of the settlement system described in the above embodiment, the user of the traffic IC card continues to use as it is at convenience such as processing speed when using the transportation system, and at the same time, as a settlement method of goods sales in the store by QR code, IC card electronic money can also be used. In the store, it is possible to capture a traffic card user as a buyer without investing a dedicated device for reading an IC card.

  In addition, the payment system of the present embodiment cooperates with the application on the smart phone, the NFC function, the traffic IC card, and the payment server, and enables the use of the QR code payment while using the balance of the traffic card. This is simpler than the method of Mobile Suica (registered trademark) or the like which has a secure element in a smartphone, and is a safe one that can use the security function of the IC card as it is.

  In the payment system of this embodiment, there are many people who do not have bank accounts or credit cards, and there is a shortage of capital investment funds at stores, especially in developing countries (especially transportation cards are introduced for transportation infrastructure development). It can be expected to facilitate the introduction of cashless payment in countries such as

1 user terminal 12 NFC communication unit 13 server communication unit 14 QR code function unit 15 camera function unit 16 input / output unit 2 dealer terminal 22 server communication unit 23 QR code function unit 24 camera function unit 25 input / output unit 3 settlement server 32 Terminal communication unit 33 IC access message generator 34 Remittance processing unit 4 Network

Claims (3)

Using an IC access key for authenticating access to a secure area of a smart card, a user terminal used by a paying user connected via a network, a shop terminal used in a shop, and an IC card And a settlement server for performing remittance to a dealer account while performing access management by generating an access right and instructing processing contents to a secure area of an IC card, and between the user terminal and the dealer terminal A settlement system in which the user terminal, the shop terminal, and the settlement server cooperate with each other to execute settlement by an IC card whose balance information is stored in a secure area, without requiring transmission .
Before SL dealer end end includes means for inputting the payment amount, and means for displaying encoding a payment that is the input to the optical mark, the user ends the end of the displayed optical mark Have means to obtain the payment amount by reading and decoding
The IC card, the IC card, balance check means for judging whether payment is possible by comparing the balance information stored in the secure area of the IC card with the input or the acquired payment amount. an authentication requesting means for requesting authentication between said payment server and the IC card using the IC access key shared in advance only between the payment server to the payment server, the authentication based on the request The balance which instructs the IC card to rewrite the balance information stored in the secure area of the IC card using the IC access message including the calculation result using the IC access key created by the settlement server after establishment. And information rewriting instruction means,
The settlement server receives an instruction to deduct the payment amount from the balance information of the IC card and the IC access message including the calculation result of the IC access key, when it is determined that the balance check means can pay. A payment system for sending to the IC card via the balance information rewrite instructing means of the user terminal and executing payment processing for transferring the payment amount to the store account; . Further, store account information linked to the store is encoded in the optical mark,
The user terminal has means for transmitting to the settlement server as a payment instruction the IC card identification information acquired from the IC card, the payment amount acquired from the optical mark, and the dealer account information tied to the dealer. And
The settlement process, on the basis of the payment instruction, sends an instruction from the balance information to the effect that subtracting the payments to the IC card corresponding to the IC card identification information via the user terminal, the dealer account The payment system according to claim 1, characterized in that remittance is made to the account linked to the information. An access right is generated using a user terminal connected via a network and used by a paying user and an IC access key for authenticating access to the secure area of the IC card, and the secure area of the IC card And providing a settlement server for performing access control and remittance to a dealer account by instructing the processing content to the client, and requiring transmission between the user terminal and the dealer terminal used in the dealer. Instead, the settlement system cooperates between the user terminal and the settlement server to execute settlement with an IC card whose balance information is stored in a secure area,
The user terminal is a means for acquiring a payment amount by reading and decoding an optical mark in which the information of the store account is encoded, balance information stored in a secure area of an IC card, and the acquired payment Balance check means for determining whether payment is possible by comparing the amount, the settlement server using the IC access key shared in advance only between the IC card and the settlement server, and the IC card using the authentication requesting means for requesting authentication between the payment server, the IC access message including a computation result using the IC access key created by the payment server after establishing the authentication based on the request Means for instructing the IC card to rewrite the balance information stored in the secure area of the IC card. Have to,
The settlement server receives an instruction to deduct the payment amount from the balance information of the IC card and the IC access message including the calculation result of the IC access key, when it is determined that the balance check means can pay. A payment system for sending to the IC card via the balance information rewrite instructing means of the user terminal and executing payment processing for transferring the payment amount to the store account; .

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