JPH11203358A - Certification settling method using portable terminal equipment and portable terminal equipment - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve safety, and to shorten a certification settling time. SOLUTION: A portable terminal 1 such as an ID tag, portable telephone, IC card, and credit card transmits an individual ID through a telephone line 8 to a management computer 10 in a financial institution by a telephone transmitting and receiving part 21, and settlement data including transmission data are returned, and stored in a memory to which any access can not be performed from the outside part. At the time of settlement, the individual ID and the settlement data are transmitted to a set terminal 7 such as a register in a shop by a terminal transmitting and receiving part 31, and the terminal 7 certifies the received data, and transmits the register data (service data) to the terminal 1 when the received data are correct, and transmits the settlement data and the register data through the telephone line 8 to the management computer 10 by an MODEM 74 so that settlement can be attained.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an authentication and settlement method using a portable terminal device such as an IC tag, a portable telephone, an IC card, a credit card, and the like, and the portable terminal device.

[0002]

2. Description of the Related Art A conventional authentication and settlement system of this type is a terminal device installed in a store to confirm settlement data such as credit for a large payment, such as when a large purchase is made at a store. , Which took a considerable amount of time to pay. In the case of small payments, if the credit is omitted in order to reduce the trouble and the payment processing time, it may be impossible to collect the payment.

[0003] If this type of portable terminal device is dropped or misplaced, there is a risk of unauthorized use. In this type of conventional portable terminal device, the built-in memory can be easily accessed from the outside. Therefore, if data for settlement such as credit is stored in this memory, there is a problem in security.

[0004] Further, since this type of conventional portable terminal device has only one transmission / reception medium, it cannot communicate with devices having different communication systems, such as other stores and financial settlement institutions.

[0005]

SUMMARY OF THE INVENTION An object of the present invention is to provide a highly secure authentication settlement method which can shorten the payment processing time, has no risk of being uncollectible, and has high security, and a portable terminal device used therefor. .

[0006]

According to the method of the present invention,
Payment terminal data including credit data provided by a financial institution is stored in a memory that cannot be accessed from the outside in a mobile terminal device such as an ID tag, a mobile phone, an IC card, or a credit card, and is installed in a store or the like. The settlement data and the address recognition data of the user are sent to the terminal device, and the installed terminal device verifies the received data. If the data is correct, the service data corresponding to the service is sent to the portable terminal device. The data and the corresponding data, the received payment data and the individual recognition data are sent to the management computer of the financial institution, and the management computer
Perform payment according to the received data.

[0007] In the portable terminal device, in order to acquire the settlement data including the credit data, a data transmission / reception unit with the installation terminal device and another data transmission / reception unit, for example, a telephone function, are connected to a financial institution, and individually recognized. At this time, the user inputs a password or the like at that time, and after confirming that the password matches the previously input one, payment data can be obtained.

[0008]

FIG. 1 shows an example of the configuration of a system according to the present invention. This system comprises a mobile terminal device 1, an installation terminal device 7 installed in a store or the like, and a management computer 10 provided in a financial settlement institution 7. The mobile terminal 1 and the installation terminal device 7 The mobile terminal device 1 and the installation terminal device 7 can mutually transmit and receive data via the management computer 10 via the management computer 10.

That is, the terminal transmitting / receiving section 31 of the portable terminal device 1
Can communicate with the transmission / reception unit 71 of the installation terminal device 7 in a contact or non-contact manner.
1 can be connected to a management computer 10 via a public line 8. The modem unit 74 of the installation terminal device 7 can transmit and receive data to and from the management computer 10 via the public line 8.

A data processing unit 72 is provided in the installation terminal equipment 7.
Are connected to the transmission / reception unit 71, the memory unit 73, and the modem unit 74. In the memory unit 73, the number of points, the number of prepaid tickets, the number of coupons, the number of telephone calls, the number of pachinko balls, and the like are input to the portable terminal device 1 by the processing of the data processing unit 72 as service data in accordance with the usage amount. Has the ability to do. The management computer 10 has settlement data such as credit, performs data communication with the telephone transmitting and receiving unit 21 of the portable terminal device 1 through the public line 8, and if the settlement data is taken out, it is impossible to withdraw a deposit or the like unless settlement processing is performed. The settlement data from the installation terminal device 7 is settled by the management computer 10 of the financial settlement institution 9 through the public line 8.

As shown in FIG. 2, the functional configuration of the portable terminal device 1 comprises a telephone transmitting / receiving device 2 and a terminal transmitting / receiving device 3, and these are transmitted through interface units (I / F units) 4.1 and 5.1. And the connection between the telephone transmitting / receiving device 2 and the terminal transmitting / receiving device 3 can be separated, that is, the I / F unit 4.1 and the I / F unit 5.1 constitute a detachable unit, It is configured such that it can be connected to another terminal transmitting / receiving device 3 or another telephone transmitting / receiving device 2 to enhance versatility.

The telephone transmitting / receiving apparatus 2 is provided with a telephone transmitting / receiving section 21 having a telephone transmitting / receiving function and an I / F section 4.1 for transmitting / receiving data to / from the terminal transmitting / receiving apparatus 3 as described above. An input operation unit 22 such as a numeric keypad, a display unit 23 for displaying a telephone function status and payment data, etc., and a data processing unit 24 for controlling these and processing data are provided, and a battery for supplying telephone power to each unit is provided. And the like.

The terminal transmitting / receiving device 3 can communicate with a device other than the telephone device by radio, electromagnetic wave, light, or the like by the terminal transmitting / receiving unit 31, and the ID unit 34 has individual identification data built therein.
This identification data is encrypted by the encryption unit 33 and can be stored in the memory unit 35 via the data processing unit 32. The encrypted data obtained from outside through the telephone transmitting / receiving device 21 is transmitted to the I / F unit 5.1 and the data processing unit 32.
, And is decoded by the decoding unit 37, sent to the data processing unit 32, and further stored in the memory unit 35. The transmission / reception operation unit 36 has a switch function of operating data transmission / reception using the terminal transmission / reception device 3, and the data processing unit 32 controls these operations and data, and
It communicates with the telephone transmitting / receiving device through the / F unit 5.1. The power supply unit 39 supplies power to each unit with a battery or the like.

The authentication settlement system of the present invention is applied,
For example, the portable terminal device 1 is used in an installed terminal device 7 such as a cash register that can communicate with the terminal transmitting / receiving device 3 (see also FIG. 3). First, when a password (password) for settlement is input from the input operation unit 22 (S1), the password passes through the data processing unit 24, the I / F unit 4.1, and the I / F unit 5.1, and passes through the data processing unit 32. Verification (S2), and if it passes, the settlement operation is accepted (S3). The password is registered in the memory unit 35 in advance.

Next, when the credit confirmation switch of the transmission / reception operation unit 36 is pressed (S4), the individual identification data previously written in the ID unit 34 is encrypted by the encryption unit 33 (S4).
5) The management computer 10 of the financial settlement institution 9 such as a bank via the telephone transmission / reception unit 21 through the public line 8 through the data processing unit 32, the I / F unit 5.1, the I / F unit 4.1, and the data processing unit 24. (S6), this is authenticated by the management computer 10 (S7), and if it passes, settlement data such as credit is returned (S8). This settlement data is transmitted to the telephone transmitting / receiving unit 21, the data processing unit 24, the I / F unit 4.1,
The data passes through the F unit 5.1 and the data processing unit 32, is decrypted by the decryption unit 37 (S9), and is authenticated by the ID recognition unit 38 (S1).
0), the data passes through the data processing unit 32 and is written into the memory unit 35 (S11). You are now ready to buy at the cash register.

Next, a transmission / reception operation unit 37 is connected to an installed terminal device 7 such as a cash register which can communicate with the terminal transmission / reception device 3.
When the individual recognition data transmission / reception switch is pressed (S12),
The data processing unit 32 links the settlement data such as credit written in the memory unit 35 with the individual identification data and the date and time in the ID unit 34 and sets them as settlement data (S1
3) While being written into the memory unit 35, transmitted from the terminal transmitting / receiving unit 31 to the installed terminal device 7, such as a cash register capable of communicating with the terminal receiving device 3 using a radio wave, electromagnetic wave, or optical communication medium. Data (or service data such as the number of points, the number of prepaid counts, the number of coupons, and the number of telephone calls) is received (S14). The received settlement data is transmitted to the management computer 10 through the modem unit 74 (FIG. 1) as cashier settlement data together with cashier data, and is automatically settled here.

At this time, the same cash register payment data is created by the data processing unit 32 from the payment data and the received cash register data in the memory unit 35, and is written into the memory unit 35 (S15). To check the cash register payment data, press the payment data confirmation switch of the transmission / reception operation unit 36 (S
16), and can be displayed on the display unit 23 (S1).
7). This serves as a receipt and cannot be rewritten externally.

The same applies to the equipment other than the cash register. Here, a device having a telephone function is used as a data transmission / reception medium of a different system, but other combinations such as an IC card, a credit card, an infrared card, and an ID tag using radio waves and electromagnetic waves are also possible. Needless to say, the same can be achieved with a single type of data communication medium.

[0019]

As will be understood from the above description, the present invention has the following effects. 1. By providing a highly secure memory unit that stores payment data such as credits and cannot be accessed from other sources, linking individual identification data and payment data and transmitting them can be completed in one transmission, and data such as credits can be stored. There is no time to order, and the processing time at the installed terminal equipment such as a cash register at the store is greatly reduced. 2. Since the credit data is sent in advance to the installation terminal device, it is not impossible to collect the credit data. 3. It is necessary to obtain credit data in advance, but it is impossible to access without knowing a password (personal identification number) or the like for obtaining the credit data, so that unauthorized use when dropped can be prevented. 4. Transmission / reception devices such as telephones and IDs in mobile terminal devices
Wide range of use that can communicate with devices with different communication methods, such as other stores and financial settlement institutions, and authenticate and settle by providing different types of data transmission / reception media such as providing terminal transmission / reception devices such as tags It will be. 5. Since the terminal transmission / reception device has the individual identification data, the encryption / decryption function, and the transmission / reception operation unit, it is possible to access a device that can communicate with the terminal transmission / reception device and perform highly secure identification and authentication. 6. The terminal transmitter / receiver has a non-rewritable memory from the outside, so that a certain amount of data can be stored, and data that requires high security, such as payment data recording and receipts, is displayed. You can see it in 7. By providing an I / F unit between the telephone transmitting / receiving device and the terminal transmitting / receiving device, the telephone transmitting / receiving device can be separated and connected to another telephone transmitting / receiving device. In addition, by providing an I / F unit also in a device other than the mobile phone device, communication with the terminal transmitting / receiving device can be performed, thereby increasing versatility.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration example of a system to which the method of the present invention is applied.

FIG. 2 is a block diagram showing a functional configuration of the embodiment of the portable terminal device 1 of the present invention.

FIG. 3 is a flowchart showing a processing procedure in the embodiment of the method of the present invention.

Claims (9)

[Claims] 1. A method for performing data communication with an installed terminal device provided in a store or the like using a mobile terminal device and performing settlement corresponding to a service, comprising: providing a memory in the mobile terminal device that cannot be accessed from outside; Payment data including credit data of a financial clearing house is stored in the mobile terminal device, and individual recognition data of a user is stored in the portable terminal device. The mobile terminal device transmits the service data to the mobile terminal device by transmitting the service data to the mobile terminal device, transmitting the service data to the mobile terminal device. Authentication payment method. 2. The installation terminal device sends the received payment data, the individual recognition data and the data corresponding to the service data to a financial clearing house, and the financial clearing house authenticates the received data, 2. The authentication settlement method using a portable terminal device according to claim 1, wherein the settlement corresponding to the service data is performed at a store or the like corresponding to the installation terminal device. 3. The portable terminal device is provided with a telephone transmission / reception function. By inputting the personal identification number, payment data reception processing is enabled. The personal identification data is transmitted to the financial settlement institution via a telephone line. The received financial settlement institution authenticates the personal identification data, transmits settlement data including the credit data to the portable terminal device, and the portable terminal device authenticates the received settlement data,
3. The authentication settlement method using the portable terminal device according to claim 1, wherein the settlement data is stored in the memory when the pass is passed. 4. A portable terminal device for transmitting data from a terminal transmitting / receiving device to an installed terminal device provided in a store or the like and performing settlement corresponding to a service, comprising: an ID unit for holding individual recognition data of a user; A memory that stores payment data including credit data from a financial institution and cannot be accessed from the outside; and a unit that transmits the individual recognition data and the payment data to the installation terminal device. Mobile terminal equipment. 5. A financial institution transmitting / receiving means connected to a financial institution by the financial institution transmitting / receiving means separately from a terminal transmitting / receiving means for performing data transmission / reception with the installed terminal equipment, and a means for obtaining the settlement data. The portable terminal device according to claim 4, wherein 6. A means for obtaining the settlement data includes means for inputting a password, means for verifying whether the input password matches a value stored in advance, and means for verifying whether or not the password is passed. Means for connecting the financial institution transmitting / receiving means to the financial institution, means for transmitting the individual recognition data to the financial institution by the financial institution transmitting / receiving means, and authentication of the data received from the financial institution, 6. The portable terminal device according to claim 5, further comprising: means for storing in the memory as payment data including credit data. 7. The means for obtaining the settlement data includes: an encrypting means for encrypting transmission of the individual recognition data to the financial institution; and a means for decrypting data received from the financial institution. The portable terminal device according to claim 6, wherein: 8. A part including the financial institution transmitting / receiving means,
9. The portable terminal device according to claim 5, wherein a portion that performs data transmission with the installation terminal device is connected to be separable. 9. The financial institution transmitting and receiving means is a telephone transmitting and receiving means through a telephone line.
9. The mobile terminal device according to any one of claims 1 to 8.