JPH11154260A - Certification settling device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make it possible to utilize credits of plural credit companies only by one certification ID so as to distinguish it in each application agency such as a store. SOLUTION: In each application agency, user's settlement ID information IDaa, IDbb,... of a credit company allowed to be applied to the application agency are stored in a memory 11 correspondingly to respective users' certification ID information IDA, IDB,.... When a certain user transmits a certification ID information IDA e.g. from a transmission part 12, its corresponding settlemet ID information IDaa is extracted from the IDA by referring to the memory 11 and the extracted IDaa and settlement information from a money register 16 are transmitted from a settlement processing part 15 to a banking agency.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention shows, for example, identification information of a user to a user organization such as a store using an authentication (credit) card, and an account of the user's financial institution through a credit card issuing company. More specifically, the present invention relates to an authentication and settlement device that authenticates the user's identification information when making a payment for a purchase to the store and performs settlement.

[0002]

2. Description of the Related Art Conventionally, authentication identification information and payment identification information have been matched. In other words, when a customer uses a credit card for shopping at a store, the credit card of the credit company (institution) owned by the user and handled by the store is attached to the terminal of the credit company of the store, Authenticates that the identification information (hereinafter referred to as ID) of the credit card user is correct, and sends it to the settlement institution along with the purchase amount (payable amount) as settlement information using the authenticated ID. ,
You are paying. In other words, the user or I
D was the same as the ID at the time of authentication.

[0003]

Conventionally, the ID for authentication and the ID for settlement are the same. Therefore, not all of the credit companies that are used in the institutions that require various payments, such as shops and parking lots, are used. In many cases, only some credit companies are used, and users often use a plurality of financial institutions and credit companies. From such a relationship, it is necessary for the user to have a plurality of credit cards, that is, to use a plurality of IDs, and it is burdensome to always have many credit cards.
In addition, it is inconvenient to distinguish a plurality of IDs and input them to, for example, a terminal of a store, as a source of error.

[0004]

According to the first aspect of the present invention, the correspondence between the authentication ID of each user and the settlement ID is provided in the authentication / settlement ID memory, which is provided in a use organization such as a store. When the authentication ID is stored and received from the user, the memory ID is referred to the payment ID corresponding to the authentication ID, and the payment ID such as the payment information at that time is settled by the payment institution. Sent to

According to the second aspect of the present invention, the relationship between the user ID, the identification data of the user institution, and the settlement ID is provided in, for example, the center and stored in the authentication / settlement ID memory. When the ID and the identification data of the institution are received, the reception authentication ID and the settlement ID corresponding to the identification data of the institution are obtained by referring to the authentication / settlement ID memory. Payment information, such as the payment information, is sent to the payment institution.

The authentication ID, the identification data, and the payment I
D includes an employee number and name in the case of use in a company, a member number in a membership club, and an account number in the case of bank settlement.

[0007]

FIG. 1A shows an embodiment of the first aspect of the present invention. The premise of this is that each user A, B, C,... Issues a common authentication IDA, IDB, IDC,... To each user A, B, C,. The institution has the user's authentication ID
And the settlement ID of the credit company used for payment at the institution. In this case, when a user contracts with a credit company, the user authentication ID and the settlement ID are sent to each user institution used by the user in advance.

An authentication / settlement ID memory 11 is provided. For example, for the authentication IDA of the user A, the settlement IDaa of the company a is used, and for the authentication IDB of the user B, the settlement ID of the company b is used. IDbb is respectively stored. When the user A makes a purchase at a store and pays by credit, for example, the authentication unit 12 is transmitted from the transmitting unit 12 possessed by the user.
The DA is transmitted to the receiving unit 13 of the authentication and settlement device. The transmitting unit 12 stores an IDA for authentication of the user, and the transmitting unit 12 has been passed to the user A in advance. The transmission of the authentication IDA stored in advance is automatically performed by, for example, a start switch by wireless transmission of a current source, radio wave light, or the like, or the recorded authentication IDA is inserted by attaching a magnetic card to the terminal. There is a case where the IDA is read and received.

The authentication IDA received by the receiving unit 13 is referred to by the authentication processing unit 14 with the authentication IDA and the authentication ID in the authentication / settlement ID memory 11. ID for company a to IDA
aa is read, and the authentication IDA and the settlement IDa are sent to the settlement processing unit 15. The settlement processing unit 15 receives the authentication IDA and the settlement IDaa and the information to be settled by the user from the cash register 16 to the institution such as the amount to be paid and the date (hereinafter referred to as settlement information). ) Are recorded in the settlement data memory 17 and the settlement information is transmitted to the financial institution through the communication network by the transmission unit 18 such as a model.

Similarly, when the user C uses the institution, the authentication IDC, the settlement IDcc for the company c, and the settlement information used at that time are recorded in the settlement data memory 17 and transmitted to the financial institution. Sent. Different credit institutions can use different credit companies according to the convenience of the user. As shown in FIG. 1B, for example, as shown in FIG. 1B, the IDA for user B is stored in the authentication / settlement ID memory 11 for the IDA of the user A, and the user B stores the IDab for the IDB of the user A in the IDB. On the other hand, the settlement ID bb of the company b is stored, and the user C gives the settlement ID of the company a to the IDC.
ca is stored.

As described above, the user can settle with credits of a plurality of credit companies only by having one authentication ID. An authentication / settlement ID memory can be provided at the center. FIG. 2 shows an example in which parts corresponding to those in FIG. In this case, the user A sends the authentication IDA from the transmitting unit 12 to the receiving unit 13 in the user institution 21.
And sends the received IDA, the user's payment information from the cash register 16 at that time, and the identification data b of the user institution 21 to the authentication payment provided at the center via the communication network 23 by the transmission unit 22. Transmit to the device 24. The authentication and settlement device 24 of the center uses the institution 2
1 and searches the authentication / settlement ID memory 11 with the authentication IDA and the user institution identification data received by the authentication processing unit 14.

In the authentication and settlement device 24 of this center, the authentication and settlement ID memory 11 stores each user authentication ID.
In each case, the identification data of each institution used by the user and the user settlement ID of the credit company used by the institution are stored. For example, for IDA, the settlement IDaa of company a for a store, the settlement IDab of company b for a store, and c for a parking lot.
The settlement IDac of each company is stored. IDB
As for, both the store and the store
The company's settlement IDbb may be registered and stored.

If the authentication ID of the received information is IDA and the institution identification data is a store, IDab, which is the settlement ID of company b, is extracted. The authentication processing unit 14
The Dab and the IDA, the payment information, and the usage institution identification data received from the usage institution 21 are sent to the payment processing unit 15, and the payment processing unit 15 records the received information in the payment data memory 17 and transmits the information from the transmission Send to

FIG. 3 shows still another embodiment of the present invention.
1 and 2 are denoted by the same reference numerals. This corresponds to the authentication / settlement ID memory 11 shown in FIG.
When the user institution 21 receives the authentication ID, the authentication ID and the identification data of the user institution are transmitted from the transmission / reception unit 28 to the center 29 via the communication network. In the center 29, the authentication processing unit 14 uses the authentication ID from the use organization 21 received by the transmission / reception unit 31 and the use organization identification data to store the authentication / settlement ID memory 11 (similar to that in FIG. 2). The corresponding settlement ID is retrieved by retrieval, and transmitted to the institution 21 from the transmission / reception unit 31. User organization 21
Is the payment ID received by the transmitting / receiving unit 28 and the receiving unit 1
The payment processing unit 15 sends the authentication ID received in step 3 and the payment information from the cash register 16 to the payment processing unit 15, and the payment processing unit 15 records these in the payment data memory 17 and transmits the information to the transmission unit 1.
8 to the financial institution.

In the above description, the settlement ID and the settlement information may be sent to the financial institution, and the transmission of the authentication ID may be omitted.

[0016]

As described above, according to the present invention, a user can use a plurality of credit companies with which he or she has contracted by using only one authentication ID. There is no need to have an ID, and the settlement credit company can be distinguished for each institution.

According to the embodiment shown in FIG. 1, for each user, each user institution is provided with a payment I
It is necessary to register D, and when there are many use institutions, when using a new company, or when changing the credit company used, the number of registration and change operations is large, but the embodiment shown in FIG. 2 and FIG. Then, registration and change need only be made to the authentication / settlement ID memory of the center.

On the other hand, in the embodiment shown in FIG. 2, since all processing is performed for requests from each user organization, only the center performs the processing, so that the processing load on the center is large. In the embodiment shown in FIG. There is nothing. It has the advantages of the embodiments shown in FIGS. 1 and 2 shown in FIG.

[Brief description of the drawings]

FIG. 1A is a block diagram showing a functional configuration of an embodiment of the present invention, and FIG. 1B is a diagram showing another example of storage of the authentication / settlement ID memory.

FIG. 2 is a block diagram showing a functional configuration of another embodiment of the present invention.

FIG. 3 is a block diagram showing a functional configuration of still another embodiment of the present invention.

Claims (3)

[Claims] 1. An authentication / settlement ID in which a relationship between a user's authentication identification information and the user's settlement identification information is stored.
A memory, receiving means for receiving the identification information for authentication of the user, means for referring to the authentication / settlement ID memory to obtain the identification information for settlement corresponding to the received identification information for authentication, An authentication settlement device comprising: information; and means for sending settlement information for the user to a settlement institution. 2. An authentication / settlement ID memory in which a relationship between user identification information, identification data of each user organization used by the user, and settlement identification information corresponding to both of them is stored. Receiving means for receiving the identification information for user authentication, the identification data of the institution, and the settlement information for the user; and the received identification information for authentication and the institution referred to by referring to the authentication / settlement ID memory. An authentication and settlement apparatus comprising: means for obtaining settlement identification information corresponding to the identification data of claim 1; and means for transmitting the settlement identification information and the received settlement information to a settlement institution. 3. An authentication / settlement ID memory in which a relationship between user identification information, identification data of a user institution used by the user, and settlement identification information corresponding to both is stored. Receiving the authentication identification information of the user at the receiving unit in the user institution, transmitting the authentication identification information and the identification data of the user institution to the authentication / settlement ID memory; Means for obtaining payment identification information corresponding to the service identification information and the user institution identification data by referring to the authentication / payment ID memory; means for transmitting the obtained payment information to the user institution; An authentication payment device comprising: means for transmitting the payment identification information and the payment information for the user to a payment institution upon receiving the payment information.