JPH11175622A - Electronic settlement system and its processor - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an electronic settlement processor substantially provided with simpleness, instantaneousness and safeness such as the characteristics of a cash transaction in accordance with the kind and the amount or the like of commodities and services, and capable of executing electronic settlement. SOLUTION: The electronic settlement processor 1 is provided with a settlement mode selection means 16. The selection means 16 selects either one of a 1st settlement mode for providing commodity/service without communicating with an electronic settlement management system 2 and requesting the system 2 to execute amount transfer processing corresponding to the amount of the commodity/service from a customer's electronic settlement account 4 to a store electronic settlement account 5 through a communication means 15 within prescribed time after the provision of the commodity/service and a 2nd settlement mode for transmitting the commodity/service amount information and customer's account data inputted from a customer data input means 11 to the system 2 through the means 15, receiving settlement permission/injection information from the system 2 and determining the permission/rejection of commodity/service provision based on the settlement permission/rejection information.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic settlement system and an electronic settlement processing apparatus in a cashless transaction form in buying and selling goods and services.

[0002]

2. Description of the Related Art Heretofore, the settlement of cashless transactions at a sales site for goods and services such as stores has been performed by a credit card or a bank POS. Further, with the rapid development of computer and computer network-related technologies in recent years, settlement by so-called electronic money has been spotlighted, and its spread is expected in the future. Also,
It is not a cashless transaction, but in terms of not carrying a large amount of cash at all times, a CD card (CD: bank unattended cash machine) is used to withdraw the required amount of cash from its bank account and -It is also used to pay for purchasing services. By the way, at present, there is no firm definition of electronic money, but it is understood in a narrow sense that, like cash, there are two features that anonymity and the transfer of monetary value are performed directly. This is different from the above-described credit card or bank POS in which there is no anonymity and the money value is transferred indirectly. Therefore, in the case of electronic money, from the viewpoints of anonymity and the immediacy of the transaction, it can be said that the electronic money is suitable for applications in which a so-called wallet can be used easily.

[0003]

However, in the case of electronic money, there are technical problems and operational problems to be solved such as security problems, and at present, it has not reached full-scale operation. However, for the time being, it is difficult to apply to high-value payments. In the case of credit cards, fees are charged regardless of the transaction amount, so if all credit cards are used to purchase low-priced products, the payment margin will rise and the number of payment processes will be enormous. There is a problem. In the case of bank POS, when applied to the purchase of low-priced products, there is a problem that the number of payment processes becomes enormous. In the case of purchase of high-priced products, the payment grace period is shorter because it is immediate payment compared to credit card. There is a disadvantage that there is no. In the case of a credit card or a bank POS, although the security is higher than electronic money, it is less anonymous than cash or the electronic money in the narrow sense.
There may be annoyance and resistance on the user side,
Since the transfer of money value is performed indirectly, there is a problem that time is required for personal verification, credit inquiry, balance inquiry, etc., which lacks immediacy and simplicity.

[0004] The present invention has been made in view of the above-mentioned problems, and has as its object the advantages and advantages of electronic money, credit cards, and bank POS, depending on the type and amount of goods and services to be traded. It is an object of the present invention to provide an electronic settlement system and an electronic settlement processing device that can eliminate or reduce disadvantages by eliminating or selecting disadvantages.

[0005]

A first feature of the present invention to achieve this object relates to an electronic payment processing apparatus, and as described in claim 1 of the claims, the electronic payment processing apparatus comprises: Customer data input means for inputting customer account data and personal identification information necessary for identifying a settlement account;
Matching means for performing identity verification based on the personal identification information, type information input means for inputting type information of goods / services requested by the customer, and price information input means for inputting price information of the goods / services; A communication means for connecting and communicating with a predetermined communication line and an electronic settlement management system for managing the deposit and withdrawal of the electronic settlement account of the customer and the deposit and withdrawal of the electronic settlement account of the store providing the goods and services; After the matching unit confirms that the customer is the principal, based on the predetermined discrimination data, the payment mode at the time of providing the goods / services, without performing communication with the electronic payment management system. Providing the goods and services, and performing a transfer process of an amount equivalent to the amount of the goods and services from the electronic settlement account of the customer to the electronic settlement account of the store. A first payment mode requesting the electronic payment management system via the communication means at a predetermined time after the provision of the service, or the customer input from the customer / data input means and the price information of the goods / services Transmitting account data to the electronic payment management system via the communication means, receiving payment permission / inhibition information from the electronic payment management system, and determining whether to provide the product / service based on the payment permission / inhibition information. And a settlement mode selecting means for selecting from any of the two settlement modes.

[0006] In the second feature configuration, as described in claim 2 of the claims, in addition to the first feature configuration, the discrimination data includes the type of the product / service and the product. The total of the amounts of the services, wherein the payment mode selecting means belongs to the first payment product / service category in which the type of the product / service is set in advance, and the total amount of the product / service is If the value is equal to or less than the set first payment amount, the first payment mode is selected, and the type of the product / service does not belong to the first payment product / service classification, or the price of the product / service. If the sum exceeds the first payment amount set in advance, the second payment mode is selected.

[0007] In the third feature configuration, as described in claim 3 of the claims, in addition to the first feature configuration, the discrimination data is a safety degree rank of the store. The payment mode selection means selects the first payment mode or the second payment mode according to the security rank. Here, the safety degree rank indicates a degree to which the store does not use a stolen electronic payment card (described later) or illegal use such as fraudulent use. Is determined based on the type of business and the status of past transactions. Hereinafter, the term “safety rank” means the same thing.

[0008] The fourth feature configuration is, in addition to the second feature configuration described above, a product / product belonging to the first payment product / service category, as described in claim 4 of the claims section.
The point is that the cashable product type is excluded when the service type is set.

The fifth characteristic configuration belongs to the first settlement product / service classification in addition to the above-mentioned second or fourth characteristic configuration, as described in claim 5 of the claims section. The point is that the setting of the product / service type is changed as needed.

[0010] The sixth feature configuration is, in addition to the second, fourth or fifth feature configuration described above, as described in claim 6 of the claims section, in addition to the first settlement product / service. The ratio of the type of goods / services belonging to the classification to all the types of goods / services, or at least one of the first settlement amounts, or a variation range thereof is set according to the safety rank of the store. There is in the point.

[0011] The seventh characteristic configuration is, as described in claim 7 of the claims section, the above-mentioned first, second, third, and third features.
In addition to the fourth, fifth, or sixth characteristic configuration, a time required for requesting the transfer processing to the electronic payment management system can be changed based on a security level of the store.

[0012] The eighth characteristic configuration is the same as the first, second, third, or second aspect described in claim 8 of the claims.
In addition to the fourth, fifth, sixth or seventh feature configuration, the customer data input means may be configured to store the customer account data stored therein and the encrypted customer account data from an electronic payment card possessed by the customer. Is configured to be able to read password data,
The personal identification information is formed from the personal identification number entered by the customer into the customer data input means and the personal identification data.

The ninth characteristic configuration relates to an electronic settlement system, as described in claim 9 of the claims.
An electronic settlement management system that manages the deposit and withdrawal of an electronic settlement account of a customer and the deposit and withdrawal of an electronic settlement account of a store that provides the goods and services, and the electronic settlement management system that is connected to a predetermined communication line. The above-mentioned communicable first, second, third, fourth, fifth, sixth, seventh or eighth comprising an electronic payment processing device having a feature configuration, the electronic payment management system, When there is the transfer processing request from the electronic payment processing device, comparing the sum of the amount of the goods and services and the balance of the electronic payment account of the customer,
If the balance is larger, withdraw the sum of the goods and services from the customer's electronic settlement account, deposit the same amount into the store's electronic settlement account, and if the balance is smaller, And depositing the total amount of the goods and services into the electronic settlement account of the store, and without paying out from the electronic settlement account of the customer, a predetermined fee is added to the total amount of the goods and services. Either create credit data with the added amount, or withdraw the entire balance from the customer's electronic settlement account, create credit data with a predetermined fee added to the shortfall, The credit data is stored in a predetermined credit data storage unit, and a withdrawal is made based on the credit data from a credit contract deposit account of the customer on a predetermined settlement date.

According to a tenth feature of the present invention, in addition to the ninth feature, as described in claim 10 of the claims, the electronic settlement management system further comprises: When the price information of the goods and services and the customer account data are received, the total of the prices of the goods and services is compared with the balance of the electronic payment account of the customer. A settlement permission signal is transmitted to the device, and if the balance is smaller, a settlement rejection signal is transmitted.

An eleventh characteristic configuration relates to an electronic payment processing device, as described in claim 11 of the claims section, wherein the first, second, third, fourth, fifth, and fifth above-mentioned features are described. In addition to the sixth, seventh or eighth feature configuration, when there is a request for payment by a credit card from the customer, the amount information of the goods / services and the customer account data are transmitted to the electronic device via the communication means. To the payment management system, receive the credit payment availability information from the electronic payment management system, and based on the credit payment availability information,
The point is to determine whether or not the service can be provided.

The operation and effect of the characteristic structure of the present invention will be described below. According to the first characteristic configuration of the present invention, when the first payment mode is selected based on the predetermined determination data, any inquiry or indirect payment from the store to the electronic payment management system is performed. Without performing communication for processing, although the settlement processing is not substantially immediately performed, the transaction is immediately completed with the customer as if by cash or electronic money, and a quick and simple transaction is performed. While secured, if the second payment mode is selected based on the predetermined determination data, communication from the store to the electronic payment management system is involved, so the electronic payment management system To confirm the balance or credit of the electronic settlement account and provide settlement availability information to the store, secure the same degree of security as settlement by credit card or bank POS. But they can.
Therefore, according to the characteristics of the store, that is, the content of the product or service, its type, business hours, business type, location conditions, etc. By properly setting the boundary condition of which one of the first payment mode and the second payment mode is selected, the store or the operator of the electronic payment system can provide the customer with a certain level of security while ensuring a certain level of security. Thus, goods and services can be promptly provided, and transactions can be simply terminated with customers. In particular, it is suitable for a retail store or the like that sells low-priced products and the like frequently.

Also, since the personal identification information necessary for performing the personal identification is input from the customer data input means, the personal identification can be performed without communication to the electronic payment management system, so that the first payment can be performed. Even when the mode is selected, the identity can be surely confirmed without impairing the immediacy, and a post-mortem payment to the electronic payment account of the store corresponding to the amount of the goods or services provided by the store can be reliably performed. You can do it.

According to the second characteristic configuration, transactions in the first settlement mode are limited to products and services of a certain amount or less and of a certain type, so that transactions of products with a large number of sales or low-priced products are performed. It is possible to secure a higher degree of safety while maintaining the immediacy and simplicity to some extent.

According to the third characteristic configuration, for a store having a sufficiently high degree of security, the first settlement mode is always selected to enable quick and simple transactions, and the degree of security is low. For the store, by always selecting the second settlement mode, transactions with high security can be ensured. If the security rank of the store changes, the store is selected accordingly. The settlement mode to be changed changes, and in the long run, a quick and simple transaction can be secured and the security of the transaction can be secured.

According to the fourth characteristic configuration, the second payment mode is always selected at the time of the purchase of a cashable product. Thus, it is possible to prevent a criminal act of purchasing a cash product and trying to cash it illegally.

According to the fifth characteristic configuration, a specific product
It is possible to avoid that the service type always belongs to the first payment product / service category, and if the customer is a certain product / service, the service type is always in the first payment mode, that is, the communication to the electronic payment management system. It is possible to prevent the user from being informed that the processing is performed without the use of the information, and to prevent inducing fraudulent use such as use for fraud.

According to the sixth characteristic configuration, the boundary condition of which of the first settlement mode and the second settlement mode is selected can be optimized according to the safety rank of the store. Is more secure.

According to the seventh aspect, when the first payment mode is selected due to unauthorized use, the transfer request can be made earlier for a store having a lower security rank. The higher the probability of unauthorized use, the earlier it can be found. Also,
In a store with a high safety rank, the transfer request can be processed in a batch for a plurality of processes, and the efficiency of the process can be improved.

[0024] According to the eighth aspect, the collating means decrypts the encrypted personal identification data in the personal identification information and outputs the personal identification number entered by the customer in the personal identification information. Confirm that they match, and if they match, confirm that they are who they say they are. In this way, by storing the encrypted personal identification data in the electronic payment card, access to a predetermined host system that centrally manages the registered personal identification numbers to be verified and necessary for personal identification is performed. Is unnecessary, and even when the first settlement mode is selected, the identity can be surely confirmed without impairing the immediacy. In addition, because it is encrypted password data, even if the electronic payment card is lost or stolen,
At first glance, there is very little risk that the personal identification number will be decrypted from that card, and such a personal identification number or encrypted personal identification data is not stored in the magnetic stripe portion of a general CD card or credit card. In the case of an electronic payment card having the same appearance as a CD card or a credit card, there is a low possibility that the password is illegally decoded.

According to the ninth aspect, even when the electronic payment processing apparatus selects the first payment mode, the substantial payment processing between the customer and the store is performed by the electronic payment processing. According to the management system, it can be reliably executed between the customer's electronic settlement account or credit contract deposit account and the store's electronic settlement account. Therefore,
The store can make an electronic payment using the electronic payment processing device with peace of mind. Note that the fee when the balance is insufficient is a kind of penalty fee, which is set based on a contract between the customer, that is, the system user and the system provider. It does not matter.

According to the tenth characteristic configuration, when the electronic payment processing device selects the second payment mode and requests the electronic payment management system to determine whether or not payment is possible, the electronic payment processing device can accurately determine Payment permission / inhibition information can be given to the electronic payment processing device, and the electronic payment processing device receives the payment permission / inhibition information, that is, the payment permission signal or the payment rejection signal, and receives the payment permission signal. Can determine that the balance is greater than the total amount of the goods / services and that the goods / services may be provided, and when the settlement rejection signal is received, the balance
It is less than the total amount of the service, and it can be determined that the product or service should not be provided, and the safety of the transaction is reliably ensured.

[0027] According to the eleventh characteristic configuration, even if the customer has made a request for payment with a credit card, the customer can handle the payment. For example, the electronic payment processing device can set the second payment mode to the second payment mode. Select and receive the payment refusal signal, even if the payment is once rejected,
With the customer's consent, they can immediately switch to credit card payments and avoid automatic loss of trading opportunities. Further, since the electronic payment processing device can handle both the electronic payment according to the present invention and the payment using a credit card, there is no need to separately provide a terminal for a credit card.

[0028]

Embodiments of the present invention will be described below with reference to the drawings. As shown in FIG. 1, an electronic payment system according to the present invention includes an electronic payment processing apparatus 1 according to the present invention, which is used together with a POS terminal or used alone in a store that provides goods and services, An electronic settlement management system 2 that manages the deposit and withdrawal of an electronic settlement account 4 of a customer who receives provision of goods and services at a store and the deposit and withdrawal of an electronic settlement account 5 of the store with predetermined communication such as a public telephone line. It is configured so as to be communicable with a line 3.
The electronic payment system is provided in the electronic payment management system 2 necessary for operating the present system, and is provided with a predetermined storage in a storage device 6 that can additionally write the electronic payment accounts 4 and 5 of the customer and the store. Provided in the area. In addition, the electronic settlement system includes, in addition to the storage device 6, a control unit 7 and a communication unit 8 that connects the control unit 7 to the communication line 3 to enable transmission and reception of necessary data. Computer system. Therefore,
The control unit 7 includes a necessary arithmetic unit, a high-speed storage device, a fixed storage device for storing programs, and the like.
The computer system can realize the same function in various configurations, and is not an essential part of the present invention.

Further, in order to secure deposits required for the operation of the electronic settlement system in the electronic settlement deposit accounts 4 and 5, and to transfer the deposit amount between tangible bank account accounts, A bank deposit system 30 for managing the deposit and withdrawal of the bank account 31 and the deposit and withdrawal of the bank account 32 of the store is separately provided. A write-once storage device 33 that is configured by a computer system similar to the electronic payment management system 2 and stores the bank account 31, 32 in a predetermined storage area;
And a communication unit 35 for connecting the control unit 34 to the communication line 3 and enabling transmission and reception of necessary data. In this embodiment, as shown in FIG. 1, the customer and the bank account 31 and 32 of the store are provided in the same bank account system 30. And since there are multiple stores each,
Each user's bank account need not be managed by a single bank account system. However, for example, in a case where the present system provides a financial service to a person who has a bank account at a specific bank, the form shown in FIG. 1 is used. Further, the bank deposit system 30 and the electronic settlement management system 2 may be configured in the same computer system. That is, the bank deposit system 3
0 may be directly accessible from the control unit 7 in the electronic payment management system 2.

As shown in FIG. 1, the electronic payment processing device 1 reads an electronic payment card 10 held by the customer
It is possible to read the customer account data necessary for specifying the customer's electronic payment account 4 and the password data obtained by encrypting the password corresponding to the customer's electronic payment account 4 by a predetermined encryption procedure. Customer data input means 11 capable of key input of the personal identification number by means of a personal identification information, and collation means 12 for performing identity verification based on the personal identification information consisting of the personal identification number and the personal identification data input from the customer data input means 11. A type information input unit 13 for inputting type information of goods / services requested by the customer; an amount information input unit 14 for inputting amount information of the goods / services; Communication means 1 enabling transmission and reception of necessary data to and from management system 2
5, a payment procedure in which a payment mode at the time of providing the product / service is set in advance based on the type information and price information of the product / service inputted from the type information input means 13 and the price information input means 14 Payment mode selection means 16 for selecting from the first payment mode and the second payment mode, and a first display unit 17 including a liquid crystal display or the like for displaying necessary data and operation instructions to the customer. A second display unit 18 composed of a liquid crystal display or the like for displaying necessary data and operation instructions to an operator of the electronic payment processing device 1 such as a salesperson at the store, and printing transaction contents related to the provision of the goods and services. A printer 19 for outputting and handing over to the customer, and a printer 19 before the settlement mode selection means 16 selects the first settlement mode or the second settlement mode. Setting change means 20 for changing the setting of the judgment condition for the type information of the goods / services and the amount information as required; And a control unit 21 for executing the procedure.
The electronic payment processing device 1 is also configured by a general computer system, like the electronic payment management system 2, and includes the communication unit 15 and the input / output units 11, 1.
Parts other than 3, 14, 17, 18, and 19 are composed of necessary arithmetic devices, high-speed storage devices, fixed storage devices for storing programs and fixed data, and write-once storage devices for storing transaction contents. Have been.

In the first settlement mode, when the first settlement mode is selected, after the matching means 12 confirms that the customer is the principal, the first settlement mode is transmitted to the electronic settlement management system 2 and the customer's electronic settlement account is confirmed. This is a payment mode in which the second display unit 18 displays the fact without performing any communication such as the balance inquiry of 4, and the product / service can be provided. Therefore, the transaction is apparently immediately terminated, as if by cash. When the second payment mode is selected, when the second payment mode is selected, the amount information of the goods / services and the customer account data input from the customer data input means 11 are transmitted via the communication means 15 and the communication line 3. In the payment mode, which transmits to the electronic payment management system 2, receives payment enable / disable information from the electronic payment management system 2, and determines whether to provide the goods / services based on the payment enable / disable information. Therefore, this is a payment mode having a higher degree of security than the first payment mode.

The system configuration of the electronic payment processing apparatus 1 is schematically shown in FIG. 1, but the external configuration is shown in FIG.
As shown in FIG.
And the remote terminal 23 where the customer inputs a personal identification number.
It is composed of On the surface of the main unit 22, a card reader 24 that reads the customer account data and the password data from the electronic payment card 10, the second display unit 18, the printer 19, and the setting change unit 2
0 and a key operation unit 25 constituting a part of the type information input means 13 are provided. On the surface of the remote terminal 23, a key operation unit 26 for inputting a password
And the first display unit 17 are provided.

In this embodiment, as shown in FIG. 2, the electronic payment processing apparatus 1 is used in combination with a POS terminal 27 used in a general store. In this case, since the type information and the amount information of the goods / services are exclusively input from the POS terminal 27 or the barcode reader attached thereto, the type information input unit 13 and the amount information input unit 14 are controlled by the control unit. And the POS
The electronic payment processing device 1 serves as an interface with the terminal 27.
When integrated with the terminal 27, the POS terminal 27
Is included in the type information input means 13 and the amount information input means 14.

The electronic payment card 10 has the same shape and the same dimensions as a normal business card size credit card or CD card, and has a magnetic field having a width of about 7 mm over the entire length in the longitudinal direction on the back surface like the ordinary credit card or CD card. It has a stripe portion. It has a three-layer structure in the thickness direction, and is composed of, in order from the surface side, an infrared-transmitting protective film that transmits infrared light of a predetermined wavelength, a card body portion made of a synthetic resin that transmits infrared light of the predetermined wavelength, and the magnetic stripe portion. You. The personal identification data is obtained by encrypting the personal identification number into 200 alphanumeric characters using a predetermined encryption algorithm, and using stealth ink that reflects infrared light of the predetermined wavelength that cannot be visually identified on the surface side of the card body. The magnetic stripe portion is printed on a plurality of lines in the longitudinal direction of the card so as not to overlap with the embossed character area on the front side of the card body. The normal, visually identifiable printing on the front and back surfaces of the card body is performed using ink that does not reflect or absorb infrared light of the predetermined wavelength.
Further, the customer account data is stored in the magnetic stripe portion in the same format as the credit card or the CD card. As the customer account data, bank codes, store numbers, store numbers, and the like stored in the magnetic stripe portion of these credit cards or CD cards so that they can be used as ordinary credit cards or CD cards.
An account number, a membership number, an expiration date, and the like are stored, and an account number and the like of the same account 4 required to identify the electronic settlement account 4 of the customer can be identified from the membership number and the like. Alternatively, the account number of the customer's electronic payment account 4 may be directly stored using the 160-bit utility area of the magnetic stripe unit.

The card reader 24 of the electronic payment processing device 1 includes a magnetic data reading mechanism for reading the customer account data of the magnetic stripe portion of the electronic payment card 10 and the personal identification data printed by the stealth ink. And a password reading mechanism for reading the password. The magnetic data reading mechanism has the same structure as that used for ordinary credit cards and CD cards. The secret data reading mechanism irradiates infrared rays of a predetermined wavelength from the front side of the electronic payment card 10 set at the reading position of the card reader 24, and transmits infrared rays transmitted by an infrared area sensor provided on the back side. Upon sensing, the 200-character alphanumeric pattern of the password data is two-dimensionally read, and thereafter, character recognition is performed, and the reading of the password data of 200 alphanumeric characters is completed.

As described above, since the password data is printed with the stealth ink which cannot be identified with the naked eye, it cannot be seen at a glance that the password data is stored in the electronic payment card 10. Further, since the password reading mechanism is a non-contact type, there is an advantage that a special reading driving unit is not required.

Next, the outline of the respective processing and operation procedures of the electronic settlement processing device 1 and the electronic settlement management system 2 when a customer offers the provision of the goods and services by the electronic settlement card 10 will be described. explain.

First, the processing and operation procedure of the electronic settlement processing device 1 will be described. As shown in FIG. 3, when the customer requests payment by the electronic payment card 10 when receiving the product / service at the store, the customer sets the electronic payment card 10 in the card reader 24. To perform an input operation (step # 1).

Subsequently, the customer enters the remote terminal 2
A key number is input from the key operation unit 26 of the third key in accordance with the guidance display of the first display unit 17 (step #).
2). At this time, since the remote input is performed by the remote terminal 23, the input operation can be performed without anyone seeing the password.

The customer data input means 11 is provided by the card reader 24 for generating the customer account data and the personal identification data from the electronic payment card 10, and further comprising the personal identification information comprising the personal identification data and the personal identification number. Is transferred from the customer data input means 11 to the collation means 12, and the collation means 12 decrypts the password data into a password by a predetermined decryption algorithm,
The combined password and the password entered by the customer are compared to confirm the identity (step # 3).

When the identity is confirmed by the identity confirmation (O
K), an operation of inputting the type and amount of the product / service to be provided to the customer is performed (step # 4). If the identity is not confirmed in the identity verification (NG), the process is terminated. When the store is a store that sells various kinds of low-priced products such as a convenience store, for example, the electronic payment processing device 1
An embodiment in which the POS terminal 27 is used in connection with the OS terminal 27 is conceivable.
The type and price of the product / service are read from a barcode reader attached to the terminal 27, and the
Is forwarded to

The control section 21 inputs the type information and the amount information of the goods / services to the settlement mode selection means 16 and, based on the settlement mode selection means 16, the first settlement mode or the second settlement mode. Mode or not is selected (step # 5). Specifically, the payment mode selection procedure compares the first payment amount and the first payment product / service classification preset by the setting change unit 20 with the product / service type information and the price information. Do. For example, when the first payment amount is 10,000 yen, and when the total amount of the goods and services exceeds 10,000 yen, the second payment mode is selected. In addition, the type of the product / service 1
Even in the case where the type includes a product other than the first payment product / service classification, the second payment mode is selected regardless of the total price of the product / service. In cases other than the above, that is, when the total amount of the goods / services is equal to or less than the first settlement amount and all the types of the goods / services belong to the first settlement goods / service classification, The payment mode is selected. Here, the first settlement product / service classification is, for example, a set of individual product types in a retail store such as the convenience store, and is composed of a part of product types among all products handled. . With this configuration, even if the total amount is equal to or less than the first settlement amount, the second settlement mode may be set depending on a product to be purchased. It is unknown whether the mode is selected or not, and there is an effect of suppressing the unauthorized use of the electronic payment card 10. Further, from the first payment product / service category, product types with high cash value such as tickets, stamps, stamps and postcards, and other product types with a certain amount or more that can be redeemed at a ticket shop are excluded. When a product is purchased, the second payment mode in which the electronic payment management system 2 determines whether or not payment is possible is always selected, so that unauthorized purchase of these cashable products can be prevented.

If the first payment mode is selected in step # 5, the product is transferred from the customer's electronic payment account 4 to the store's electronic payment account 5 by a batch process at a predetermined timing after the transaction is completed. Transactions of the customer account data and the information on the amount of goods and services for requesting the electronic payment management system 2 to transfer the service equivalent to the amount of the service via the communication means 15 and the communication line 3. The contents are stored in the write-once storage device in the control unit 21 (Step # 6).

After the transaction contents are stored (step # 6), the transaction contents are displayed on the first display unit 17 and the second display unit 18 (step # 7), and the transaction contents are displayed by the customer. The print is output from the printer 19 for storage (step # 8). Through these procedures, the actual product / service is provided (step # 9). The provision of the product / service itself is not the processing and operating procedure of the electronic payment processing device 1.

When the second settlement mode is selected in step # 5, the control unit 21
Through the communication line 3 to the electronic payment management system 2
(Step # 10), and transmits the customer account data and the price information of the goods / services to the electronic payment management system 2 (step # 11). At this time, predetermined identification data is superimposed on the transmission data of step # 11 and transmitted so that it can be distinguished from the case where the electronic payment management system 2 requests the transfer processing in the batch processing described above.

The electronic payment management system 2 determines whether or not payment is possible based on the received customer account data and the information on the amount of money for the goods and services. Based on the settlement permission signal or settlement rejection signal to send the payment availability information,
The communication means 15 receives the payment availability information (step # 12).

The control section 21 determines whether or not payment is possible based on the payment availability information. If the payment permission signal is received, the control section 21 determines that payment has been permitted, and proceeds to step 7. When the settlement rejection signal is received, the fact that the settlement is rejected is displayed on the first display unit 17 and the second display unit 18 and the processing is terminated.

Next, a processing procedure on the electronic settlement management system 2 side will be described. As shown in FIG. 4, the customer account data and the product /
When the service amount information is received (step S1), the balance data is read from the customer's electronic settlement account 4 stored in a predetermined storage area of the storage device 6, and the customer account data and the goods / services are read. Along with the price information, the control unit 7 temporarily stores the information in a predetermined position of the storage device (step S2).

Subsequently, identification data indicating whether the transfer processing request by the batch processing or the second settlement mode is selected is superimposed on the customer account data and the price information of the goods / services, It is determined whether or not the request is a transfer processing request (step S3).

In step S3, a transfer processing request (YE
If determined to be S), the total amount of the goods / services, which is the price information of the goods / services, is compared with the balance (step S4). If the balance is larger (YES), the customer is From the electronic payment account 4 of the customer, withdrawal processing of the amount corresponding to the total amount of the goods and services, and update the balance data in the electronic payment account 4 of the customer by adding the new balance after the withdrawal processing (step). S5). Subsequently, the electronic payment account 5 of the store, which is stored in a predetermined storage area of the storage device 6, is subjected to deposit processing for the amount corresponding to the total amount of the goods and services, and the balance data in the electronic settlement account 5 of the store is processed. Is updated by adding the new balance after the payment processing (step S6). The transfer process is completed in both the steps S5 and S6, and the process ends.

On the other hand, if the balance is smaller at the step S4 (NO), the transaction with the customer has already been completed, but the total amount of the goods and services from the electronic settlement account 4 of the customer is obtained. Because we cannot process the full amount,
The withdrawal process is not performed at all from the customer's electronic settlement account 4, and a predetermined fee based on the contract contents of the use of the electronic settlement system with the customer and the sum of the total amount of the goods and services are In this case, the credit card 9 is automatically switched to the payment by the credit card owned by the customer based on a prior contract, and the credit data 9 of the total amount of the amount lent by the credit card, that is, the total amount of the commission and the total amount of the goods and services is stored. It is created and stored in a predetermined storage area of the storage device 6 (step S7), and the process ends. Then, on a predetermined credit card settlement date at a later date, the credit data 9 equivalent is deducted from the customer's bank account 31 in the bank account system 30.

Here, the depositing and withdrawing processing for the electronic settlement accounts 4 and 5 of the customer or the store is electronic settlement without transfer of cash, and a specific processing method is as follows. 5 data structure. Here, the data structure may be configured as a set of electronic money that simulates actual currency as if it were the contents of a wallet.
In this way, instead of managing the balance like a normal bank account, electronic money is managed by its issue number,
Deposit and withdrawal processing can be performed without having a history, and confidentiality as currency can be secured.

Next, when it is determined in step S3 that the request is not a transfer processing request (NO), that is, when the electronic payment processing apparatus 1 has selected the second payment mode, once the product The total amount of the service and the balance are compared (step S8), and if the balance is larger (YES), the steps S5 and S6 are performed.
(Steps S9 and S10), the payment permission signal is transmitted to the electronic payment processing device 1 (Step S11), and the process ends. The step S
If the balance is smaller at 8 (NO), the payment rejection signal cannot be sent from the electronic payment processing device 1 because the entire amount of the goods and services cannot be withdrawn from the electronic payment account 4 of the customer. (Step S1)
2), end.

Hereinafter, another embodiment will be described. <1> In the above embodiment, the selection between the first payment mode and the second payment mode may be performed by the payment mode selection means 16 based on the security level of the store. Here, the safety rank is
As described above, the store indicates, for example, the degree to which unauthorized use such as use of a stolen electronic payment card or use for fraudulent purposes is not performed, and indicates the type of business of the store and the status of past transactions. And so on. Therefore, for a store having a sufficiently high safety rank, the first
By selecting the settlement mode, quick and simple transactions are enabled, and for stores with a low safety rank, always selecting the second settlement mode ensures reliable transactions. Naturally, if the security rank of the store changes, the selected payment mode changes accordingly, and in the long term, a quick and simple transaction can be secured and the transaction The degree of safety can be secured. The setting of the safety rank is performed by the setting changing means 2.
It may be performed by a key input operation from 0, or may be changed from the electronic payment management system 2 via the communication line 3.

<2> Further, it is preferable that the setting of the product / service type belonging to the first settlement product / service classification is performed by a key input operation from the setting change means 20, and the content is changed as appropriate. In this case, the candidate product / service type of the first payment product / service class is registered in advance,
A product / service type to be included in the first payment product / service classification may be automatically selected from the registered candidate types at random or in accordance with the sales situation.

Further, when the contents of the first payment product / service class are changed in this way, the product / service belonging to the first payment product / service class is changed according to the security rank.
It is also preferable that the ratio of the service type to all the products / service types or the ratio of the candidate products / service types to all of them is set according to the security rank. In this case, the higher the safety rank, the larger the ratio. In addition, it is preferable that the first payment amount is set to be higher as the security rank is higher according to the security rank. Further, even when the first payment amount is changed at a predetermined timing, the change range may be changed according to the security rank.

Further, it is preferable that the timing of the transfer processing request to the electronic payment management system 2 by the batch processing after selecting the first payment mode is also changed based on the security rank. When batch processing is automatically performed, it is preferable that the timing of the transfer processing request can be advanced in accordance with the security rank when the security rank is low.

<3> The electronic payment processing device 1 uses a normal P
Although the description has been given of the one used together with the OS terminal 27, the electronic payment processing device 1 may be integrated with the input processing mechanism of the type and the amount of the goods / services processed by the POS terminal 27. Absent. The electronic payment processing device 1 has a portable structure that can be used outdoors, and a digital mobile phone or a P
It may be of a type that can use a wireless telephone line such as HS.

<4> The customer account data does not necessarily have to be in the form of the electronic payment card 10. It is not always necessary to use a personal identification number for personal identification. For example, fingerprint information of the customer encrypted as the password data may be stored, and the electronic payment processing apparatus 1 may be provided with a fingerprint reading mechanism.

<5> The structure and configuration of the electronic payment card 10 are not limited to those of the above-described embodiment. For example, the card body uses a material that absorbs the infrared light of the predetermined wavelength, the card reader 24 irradiates the infrared light of the predetermined wavelength from the side printed with the stealth ink, and the secret infrared light is reflected by the reflected infrared light. The data may be configured to be readable. In this case, the card reader 24 may be in the form of a barcode / handy scanner. Further, an infrared laser beam can be used as the infrared source having the predetermined wavelength.

<6> In the above embodiment, in the processing procedure of the electronic payment management system 2 side, in the step S4, when the balance is smaller, the credit data 9 is created in the step S7. Alternatively, a bank POS type process of immediately deducting the commission and the total amount of the goods and services from the customer's bank account 31 in the bank account system 30 may be performed.

<7> The electronic payment system according to the present invention
It does not need to be operated by a financial institution.
Therefore, the electronic payment card 10 cannot be used as a credit card or a CD card, and may be dedicated to the electronic payment system.

[0063]

As described above, according to the present invention,
According to the type and amount of goods and services to be dealt with, the advantages and disadvantages of electronic money, credit cards, and bank POS are selected. An electronic payment system and an electronic payment processing device can be provided.

[Brief description of the drawings]

FIG. 1 is a system configuration diagram showing an embodiment of an electronic payment system and an electronic payment processing device according to the present invention.

FIG. 2 is an explanatory diagram showing an external configuration of an embodiment of an electronic payment processing apparatus according to the present invention.

FIG. 3 is a flowchart showing a process and an operation procedure of the electronic payment processing device according to the present invention.

FIG. 4 is a flowchart showing a processing procedure of the electronic payment management system according to the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Electronic payment processing apparatus 2 Electronic payment management system 3 Communication line 4 Customer electronic payment account 5 Store electronic payment account 6 Recordable storage device 7 Control unit 8 Communication means 9 Credit data 10 Electronic payment card 11 Customer data Input means 12 Matching means 13 Type information input means 14 Amount information input means 15 Communication means 16 Payment mode selection means 17 First display unit 18 Second display unit 19 Printer 20 Setting change unit 21 Control unit 22 Main unit 23 Remote terminal 24 Card Reader 25, 26 Key operation unit 27 POS terminal 30 Bank deposit system 31 Customer bank account 32 Bank account at store 33 Recordable storage device 34 Control unit 35 Communication means

Claims (11)

[Claims] Claims: 1. Customer data input means for inputting customer account data and personal identification information required to identify a customer's electronic settlement account; collation means for performing identity verification based on the personal identification information; Type information input means for inputting type information of goods / services requested by the customer, amount information input means for inputting amount information of the goods / services, deposit / withdrawal of the customer's electronic settlement account, and An electronic settlement management system for managing deposits and withdrawals of an electronic settlement account of a store providing a service, communication means for connecting and communicating with a predetermined communication line, and the collation means confirming that the customer is the principal. Thereafter, based on predetermined discrimination data, the payment mode at the time of providing the product / service is changed to the product / service without communicating with the electronic payment management system. And providing a transfer process of an amount equivalent to the amount of the goods and services from the electronic settlement account of the customer to the electronic settlement account of the store via the communication means at a predetermined time after the provision of the goods and services. The first payment mode requested from the electronic payment management system, or the customer / account data input from the customer data input means and the customer / account data input from the customer / data input means to the electronic payment management system via the communication means. A payment mode selecting means for transmitting and receiving payment permission / inhibition information from the electronic payment management system, and selecting from any of the second payment modes for determining whether or not to provide the goods / services based on the payment permission / inhibition information. Electronic payment processing device provided. 2. The method according to claim 1, wherein the discrimination data is a sum of the type of the product / service and the price of the product / service, and wherein the payment mode selecting means includes: a first payment product in which the type of the product / service is set in advance. -If it belongs to a service category and the sum of the amounts of the goods and services is equal to or less than a preset first settlement amount, the first settlement mode is selected, and the type of the goods and services is the first The second payment mode is selected when the payment mode does not belong to a payment product / service classification or when the total amount of the products / services exceeds a preset first payment amount. 2. The electronic payment processing device according to 1. 3. The method according to claim 2, wherein the determination data is a security rank of the store, and the settlement mode selection means selects the first settlement mode or the second settlement mode according to the security rank. The electronic payment processing device according to claim 1. 4. The electronic payment processing apparatus according to claim 2, wherein when setting a type of a product / service belonging to the first payment product / service classification, a cashable product type is excluded. 5. The electronic payment processing device according to claim 2, wherein the setting of the type of the product / service belonging to the first payment product / service classification is changed as needed. 6. The ratio of the type of goods / services belonging to the first payment product / service classification to all the products / service types, or at least one of the first payment amounts, or a variation range thereof, 6. The electronic payment processing device according to claim 2, wherein the electronic payment processing device is set in accordance with a safety rank of the store. 7. The time required for requesting the transfer processing to the electronic payment management system can be changed based on the safety degree of the store.
7. The electronic settlement processing device according to 3, 4, 5, or 6. 8. The customer data input means is configured to be able to read the customer account data and encrypted password data stored therein from an electronic payment card possessed by the customer, 8. The electronic payment according to claim 1, wherein said personal identification information is formed from a personal identification number input to said customer data input means and said personal identification data. Processing equipment. 9. An electronic settlement management system for managing the deposit and withdrawal of an electronic settlement account of a customer and the deposit and withdrawal of an electronic settlement account of a store that provides the goods and services, and a predetermined communication line connected to the electronic settlement management system. An electronic payment system comprising the electronic payment processing device according to claim 1, which is communicable with an electronic payment management system, wherein the electronic payment management system comprises: When the transfer processing request is received from the electronic payment processing device, the total of the goods and services is compared with the balance of the electronic payment account of the customer, and if the balance is larger, the customer's Withdraw the total amount of the goods and services from the electronic settlement account, deposit the same amount in the electronic settlement account of the store, and if the balance is less, the product in the electronic settlement account of the store.・ Service money A credit data is created by adding a predetermined fee to the total amount of the goods and services without depositing from the electronic settlement account of the customer while depositing the total amount, or Either withdraw the entire balance from the electronic settlement account, create credit data obtained by adding a predetermined fee to the shortage amount, store the credit data in a predetermined credit data storage unit, An electronic payment system, wherein a withdrawal is made from a credit contract deposit account of the customer on a predetermined settlement date based on the credit data. 10. The electronic payment management system, when receiving the price information of the goods / services and the customer account data from the electronic payment processing device, the total of the prices of the goods / services and the electronic payment account of the customer. Comparing the balance of, if the balance is more, send a settlement permission signal to the electronic payment processing device, if the balance is less,
The electronic settlement system according to claim 9, wherein the settlement settlement signal is transmitted. 11. When the customer makes a request for payment by credit card, the information on the amount of the goods / services and the customer account data are transmitted to the electronic payment management system via the communication means, The method according to claim 1, further comprising: receiving credit settlement availability information from a payment management system, and determining whether to provide the product / service based on the credit settlement availability information.
The electronic settlement processing device according to 4, 5, 6, 7, or 8.