WO2004075081A1

WO2004075081A1 - Mobile net commerce settlement system

Info

Publication number: WO2004075081A1
Application number: PCT/JP2003/011234
Authority: WO
Inventors: Michiko Kakuta
Original assignee: Source Japan Co., Ltd.
Priority date: 2003-02-20
Filing date: 2003-09-03
Publication date: 2004-09-02
Also published as: JPWO2004075081A1; AU2003261898A1

Abstract

There is provided a payment structure capable of reducing the load on a store utilizing the current credit payment infrastructure as well as assuring security. A settlement information management server (0220) communicates with a credit company, communicates with a client (according to the credit, transaction enabled/disabled data containing identification information other than the card number is transmitted to a mobile telephone (0200)), and further communicates with a store (transaction data is received from a POS terminal (0210) which is radio-linked to the mobile telephone and identification information is matched). A transaction with a credit company may be a periodically aggregated total base. The transaction enabled/disabled data may also be a total/balance base (electronic money). Instead of the mobile telephone, it is also possible to use a non-contact card (together with a PC).

Description

Statement monoliner net commerce payment system technical field

The present invention relates to a payment system using a credit terminal using a portable terminal device, or a mechanism for transfer settlement between banks using a portable terminal device, and an internet network using a fixed terminal device. On the mechanism of net transaction using fixed terminal equipment. Background art

In the past, there has been proposed a method and system that enables payment by a credit system using terminals such as mobile phones without presenting credit cards directly at stores.

For example, “The mobile phone has a memory antenna in addition to the communication antenna, and the memory contains the data read from the card reader or credited via the internet using the mobile phone. To store personal information of their own credit card obtained from the company, and transmit the stored personal information of the credit card to the cash register by wireless communication. There is a “mobile phone credit settlement method” (see Patent Document 1).

Also, “Transceiver unit that records credit information including credit card numbers encrypted by the credit company in the IC memory unit of the mobile phone, and enables communication with the electronic payment communication terminal. Communication is established between a mobile phone on which the mobile phone is mounted and an electronic payment communication terminal mounted on or connected to a device such as a register of a store, and the mobile phone having the credit card function is By making it close to the sending / receiving unit of the post-communication terminal, the encryption credit card Credit card payment that transmits payment information such as the number to a contract credit card company via a communication line, and only the contract credit company can recognize the card owner by the encryption recovery device. Mobile phone payment system with features. There is also one configured as “(see Patent Document 2).

The payment method etc. by the credit system using these mobile phones is such that the information on the credit card is encrypted and can not be confirmed directly, so a normal mobile phone is not used. It can be said that security is improved at a certain level compared to payment by credit system.

Japanese Patent Application Laid-Open No. 2 0 0 2 — 2 7 9 3 2 0

Disclosure of the Invention

However, the payment system of the credit system that has conventionally been proposed using a mobile phone is, for example, a commerce store or the like that performs a small payment for a large number of people in a short time, such as a convenience store. In fact, there is not much promotion in use.

One of the major reasons is that the payment by the credit system itself is more likely to be processed at the store's terminal and the store's person's work related to it than the cash payment, regardless of whether or not the mobile phone is used. There is a lot of The main reason for this is that in credit system settlement, credit processing (confirmation of transaction availability) is performed to determine whether a particular transaction can be settled by the credit system. Usually, it is necessary to do at the store side. About this point, it writes in the above-mentioned patent documents 1, 2 It can be said that it is an unresolved technical problem left in the prior art described.

In the prior art disclosed in Patent Documents 1 and 2, although information such as credit card is encrypted, if the encryption is decrypted and then decrypted, the information on the credit card is Etc. may leak, and security can only be secured within the limits of encryption technology. Therefore, security is not sufficient to use for credit transactions, such as settlement using a credit system. In this respect, in payment using a credit system, in general, information between the store's register (POS terminal) and the credit card company's server (the payment by the credit system) To transmit and receive information necessary for processing, use a communication network exclusively for payment such as "CAF 'IS, and reditandinance information S ystem (registered trademark)" without using a normal communication network. From the above, it can be understood that the security technique is not sufficient by the technique # 2.

That is, only with the conventional techniques described in Patent Documents 1 and 2 above, security is secured, and the burden for credit processing (confirmation of transaction availability) is made to the store side (POS terminal). It is difficult to set up a system for making payments using a tariff system using a mobile phone without making a call.

Therefore, the present invention is a mechanism for payment by a credit system or the like using a mobile terminal device, or transfer settlement between banks using a mobile terminal device or a fixed terminal device. There is no burden on the store side (POS terminal or transaction server) for credit processing (confirmation of transaction availability), and security can be secured without relying only on encryption technology. The purpose is to provide a mechanism that This enables many people to make small payments in a short time, such as convenience stores. Even commercial shops and the like may be able to promote payment using a credit system etc. using a mobile phone.

In order to solve such problems, the present invention relates to a portable terminal device (or fixed terminal device) including a transaction data transmission unit, a transaction availability data reception unit, a transaction execution data generation unit, and a transaction execution data transmission unit. A POS terminal (or a transaction server) having a transaction execution data acquisition unit, a settlement data generation unit, and a settlement data transmission unit; a transaction data reception unit; a transaction availability data generation unit; a transaction availability data transmission unit; A transaction system or the like comprising a payment data receiving unit, a transaction matching unit, and a payment information management server is used.

Credit processing whether settlement is possible by credit system etc.

(Confirmation of transaction availability) is made in advance by the payment information management server and credit card according to the request (transaction data) from the mobile terminal (or fixed terminal) used by the credit card or other user. It takes place between two companies (servers). Then, the transaction availability data including the “transaction availability” which is the result of the credit processing is generated by the payment information management server and transmitted to the user's portable terminal device. Furthermore, based on the transaction availability data, transaction execution data (data indicating execution of a transaction) is generated in the mobile terminal device and transmitted to the POS terminal device (or the transaction server). Furthermore, based on the transaction execution data, the POS terminal (or the transaction server) generates settlement data (data for settlement), which is sent to the settlement information management server. The transaction availability data, transaction execution data, and settlement data all include encrypted transaction identification information. This transaction identification information is associated with the transaction availability data and information necessary for processing for payment (credit card information, debit card information, etc.) in the payment information management server. Then, the transaction identification information included in the payment data received by the payment information management server and the transaction identification information included in the transaction availability data that has already been generated are each payment information. Decrypted and compared in the management server. Furthermore, if the matching result is the same, the payment information management server directly uses the information necessary for the processing for the payment within the range of the tradable amount indicated by the transaction availability data. Processing for settlement becomes possible. That is, in the case of the POS terminal (or the transaction server), credit card information (card number etc.) etc. are inputted as in the conventional case, and the credit card company's server etc. It is not necessary to check the status of

In addition, transaction availability data Neither transaction execution data nor settlement data contains any information that can directly read the payment card number and so on. Therefore, the credit card number etc. may be leaked directly even if the malicious technology third party is acquired by the malicious third party while the transaction availability data, transaction execution data, and settlement data are being transmitted, etc. Security can be secured without relying solely on encryption technology. Brief description of the drawings

FIG. 1 is a diagram showing an example of the concept of Embodiment 1.

FIG. 2 is a diagram showing an example of a functional pattern of the first embodiment.

FIG. 3 is a diagram showing an example of the process flow of the first embodiment.

FIG. 4 is a diagram showing an example of the process flow of the first embodiment.

FIG. 5 is a diagram showing an example of the process flow of the first embodiment.

FIG. 6 is a diagram showing an example of the process flow of the first embodiment.

FIG. 7 is a diagram showing an example of the concept of the second embodiment.

FIG. 8 is a diagram showing an example of a functional pattern of the second embodiment.

FIG. 9 is a diagram showing an example of a process flow of the second embodiment.

FIG. 10 is a diagram of an example of a functional block of the second embodiment.

FIG. 11 is a diagram showing an example of a functional pattern of the first embodiment. FIG. 12 is a diagram showing an example of the concept of the third embodiment.

FIG. 13 is a diagram showing an example of a functional pattern of the third embodiment.

FIG. 14 is a diagram showing an example of the process flow of the embodiment 3.

FIG. 15 is a diagram showing an example of the concept of the fourth embodiment.

FIG. 6 is a diagram showing an example of a functional block of the fourth embodiment.

FIG. 17 is a diagram illustrating an example of a process flow of the fourth embodiment.

FIG. 18 is a diagram illustrating an example of a specific example of the transaction execution data generation unit according to the third embodiment. BEST MODE FOR CARRYING OUT THE INVENTION

The relationship between the embodiment and the claims is as follows. The first embodiment mainly relates to claims 1, 4 to 14 and the like.

The second embodiment mainly relates to the claims 15, 16 and the like.

The third embodiment mainly relates to claim 2 and the like.

The fourth embodiment mainly relates to claim 3 and the like.

Hereinafter, an example of the embodiment of the present invention will be described with reference to FIGS. 1 to 18.

Embodiment 1>

<Concept of Embodiment 1>.

The present embodiment exemplifies a mechanism that enables payment by a credit system or the like using a mobile terminal device represented by a mobile phone. Further, in the present embodiment, security is not particularly applied to the store side without placing a burden on the credit processing (confirmation of transaction availability) in the settlement, and without relying only on the encryption technology. It is a system that can be secured. As an application example, a mechanism using a fixed terminal instead of a portable terminal and a mechanism using a transaction server instead of a POS terminal are mentioned.

FIG. 1 is a diagram showing an example of the concept of Embodiment 1. Using the same figure, An example of the concept of the embodiment will be described.

The credit card users used the credit system to settle products purchased at the commercial store. The price of the product was 450 yen. At that time, the credit card was not presented directly at the commercial store. Instead, check whether it is possible to make a transaction (credit processing) as to whether it is possible to settle the 500 yen worth of goods in advance based on the information of the credit card that you use. We made a request to the payment information management server through communication using our own mobile phone (transaction data was sent) (1). With the payment information management server, it is confirmed by querying the server of the credit card company that the user uses, whether or not the payment for 500 yen by this user is possible. (2). The settlement information management server is data (data including the availability of transactions) indicating that settlement for 500 yen is possible, and a transaction that can be decrypted only by the settlement information management server Trade availability data, which is data including identification information, is generated and transmitted to the user's mobile phone. This transaction identification information is associated with “information necessary for processing for settlement (credit card number etc.)” in the settlement information management server. (3). In addition, the user decides to shop for 450 yen, and on the user's mobile phone, transaction execution data including the transaction identification information is generated from the transaction availability data, and the shop POS is used. Passed to the terminal (4). At the POS terminal of the store, the settlement information management server generates the settlement data for settlement including the transaction identification information from the delivered transaction execution data without performing confirmation (credit processing) of the transaction availability again. Sent to (5). The settlement information management server decrypts and collates the encoded transaction identification information included in the transaction availability data and the encrypted transaction identification information included in the settlement data, and determines that they are identical. Then, based on the transaction identification information, information etc. necessary for processing for settlement is acquired, processing for settlement is performed, and the commerce is carried out. The settlement at the business store has ended. In the transaction system of the present invention, information necessary for the process for settlement, including the credit card number of the user, etc., is managed only by the settlement information management server. The transaction identification information is generated as data included in the transaction availability data in the settlement information management server, and is encrypted so as to be decipherable only by the settlement information management server. Then, the encrypted transaction identification information is transmitted from the settlement information management server and returned to the settlement information management server via the portable terminal device and the POS terminal device. Then, as described above, the encrypted transaction identification information is included in other data (transaction execution data, settlement data) while passing through the portable terminal and the POs terminal. Then, the transaction identification information is circulated without being tampered with, and it is only after obtaining a comparison between before and after the circulation that the information necessary for settlement processing is acquired in the settlement information management server, and the settlement is performed. It is possible to process for Therefore, information necessary for processing for settlement, such as the user's credit card number, has not been identified except by the settlement information management server.

Configuration of First Embodiment>

FIG. 2 is a view showing an example of a functional pattern of the present embodiment. An example of the configuration of the present embodiment will be described using the same figure.

In this embodiment, the portable terminal device 0 2 0 0,? 0 3 terminal equipment 0 2 1 0, settlement information management server 0 2 2 0

Configuration of Mobile Terminal Device>

“The mobile terminal device 0 2 0 J is a transaction data transmission unit 0 2 0 1, a transaction availability data reception unit 0 2 0 2, a transaction execution data generation unit 0 2 0 3, a transaction execution data transmission unit 0 2 0 4 In addition, as the “mobile terminal device”, specifically, a mobile phone, a PHS, a PDA, a wrist watch, etc. correspond.

The “transaction data transmitting unit 0 2 0 1” transmits transaction data including the transaction amount. As mentioned above, “Trading data” is data that includes scheduled trading amounts. Also, the transaction data may include information (predicted transaction identification information) that can identify the transaction to be conducted in some form. The scheduled transaction identification information includes, for example, information on the product that the user of the mobile terminal device plans to purchase, information on the service that the user is scheduled to receive, and information on the scheduled date for conducting transactions, places, etc. May be included. By including the forecasted transaction identification information in the transaction data, the transaction availability data described later is illegally acquired and replicated on the way of communication, and unfairly into another transaction different from the originally intended transaction. It can be prevented from being used. For example, the transaction data related to the transaction for purchasing the product A can include the product code or the like of the product A as the planned transaction identification information. In this case, the transaction availability data described later also includes scheduled transaction identification information on the A commodity. And, the transaction execution data generated based on such transaction availability data can limit the A product to the one to be the business object J to be settled. That is, the A product is settled. It is possible to prevent the use of the transaction availability data and the transaction execution data for transactions that are not considered as transaction objects.

The “scheduled amount” is the amount you would like to receive credit to trade. For example, the planned transaction amount refers to a gold bank that is scheduled to be settled by a credit system or transfer between banks (including the case of using a debit card). The planned transaction amount is, for example, the same amount as the price of the product or an amount exceeding the amount of the product when the purchase price of the product is cleared by settlement by the credit system. It may mean any of them. For example, if the price of the product is ¥ 45 5 ', then ¥ 450, which is the same amount as the price, can be used as the planned transaction amount. Similarly, if the price of the product is 450 yen, it is possible to use 500 yen as the planned transaction amount, which exceeds the amount. In other words, the planned transaction amount is the upper limit of scheduled settlements. Indicates the amount of money.

Although not shown, the transaction data may include mobile terminal device identification information, which is information for identifying a mobile terminal device, in addition to the scheduled transaction amount. Although transaction data is not illustrated, an account file (described later) managed by a settlement information management server (described later) is used on the basis of a user etc. who performs settlement using a credit system etc. using a portable terminal device. It may include user account information associated with the “information storage unit” described later. Such portable terminal device identification information and user account information do not directly indicate the credit card number or the like used by the user. The portable terminal device identification information and the user account information are received by the payment information management server, as described later. Then, whether payment by the credit system used by the user is possible for a specific planned transaction amount can be made, that is, information necessary for judging whether or not the transaction can be made, such as the portable terminal device identification information, Or, it can be obtained based on user account information. The "information necessary to determine whether or not a transaction can be made" means, for example, when the user settles a transaction using a credit system, the card number of the credit card, the credit card, or the credit card. Information such as the expiration date of the credit card, the name of the credit card holder's name, and the telephone number. Also, when the user settles a transaction using a debit card, it means information on the debit card's card number, the debit card's PIN number, etc. Such “information necessary to determine whether or not to make a transaction” is the same as “information necessary for processing for settlement” described later. Further, the portable terminal device identification information and the user account information may be used for authentication of the user of the user in combination with the input of the password. Further, the portable terminal device identification information and the user account information may be stored in an IC card or the like, and the portable terminal device may acquire the information from the IC card. In the present application, “user” means, unless otherwise defined, a credit system or an interbank using the mobile terminal (or the fixed terminal described later) as described above. The person who makes the payment by the transfer (including the case of using a debit card).

Such transaction data is not shown, but the information input by the user using the input unit provided in the mobile phone, or the receiving unit provided in the mobile phone (transaction data identification information receiving unit) May be obtained based on the information received at (Trading data identification information). In addition, transaction data is attached to the package of the product, information in the form of barcode (transaction data identification information) displayed on the product read by the reading unit (camera etc.) provided in the mobile phone. It may be obtained based on the information (transaction data identification information) stored in the IC card. In addition, the receiver unit (transaction data identification information receiver unit) or the reader unit may use infrared communication (IR FM etc.), contactless (RF) tag, b 1 uetooth etc. It may be configured to be receivable, configured to receive the information passed by these means from the P ◦ S terminal device described later, and to acquire transaction data based on the information. Communication methods using such non-contact (RF) tags may include methods such as an electromagnetic coupling method, a capacitive coupling method, an electromagnetic induction method, a micro wave method, and an optical communication method.

In addition, transaction data may be obtained based on e-mail sent to the portable terminal device from public data and various billing notices from data memory based on the information (transaction data identification information).

The “trading availability data receiving unit 0 202 2” receives trading availability data including availability of trading in accordance with the trading data transmitted from the trading data division unit.

As mentioned above, “trading data” is data that includes trading availability. P2003 / 011234

12

It is received according to the transaction data. As “possible or not to be traded”, the credit result is applicable in the settlement using the credit system, and in the settlement by interbank transfer, the balance related to whether or not the depositor's balance is equal to or more than the planned amount. The result of inquiry (also referred to as “credit result”) may be applicable. Also, the transaction availability data includes transaction identification information that can be decrypted only at the settlement information management server described above. For example, the transaction availability data indicates that “the settlement possible limit amount A (450 yen) can be settled by the credit system B.” The transaction identification information C It may be obtained as information including In this case, “Credit System B” indicated by the transaction availability data is information necessary for processing for settlement using the credit system, for example, the power of the credit card. It does not include any information such as number, expiration date, name of holder, and telephone number. These credit card numbers and the like are associated with the transaction identification information, etc., and held, accumulated, managed, etc. in a payment information management server described later. Therefore, these credit card numbers and the like can be acquired based on the transaction identification information only in the settlement information management server described later. Further, the transaction availability data may include the mobile terminal identification information or the user account information. The transaction availability data includes credit card system accident history information, shopping history information, etc. in the account file (included in the “information storage unit” described later) managed by the payment information management server. It may include customer information.

As described above, the “settleable limit amount” may be directly indicated by the transaction availability data (it may be included in the transaction availability data), and the transaction availability data. It may be indicated by data associated with. In the latter case, for example, the transaction data and the like initially transmitted correspond to data associated with the transaction availability data, The transaction data may be used to identify the “settleable limit”. In this case, it is not necessary to include information directly indicating the repayment limit value in the transaction availability data.

Moreover, the transaction availability data is "received according to the transaction data" means that the transaction availability data is received through the following series of steps. First, the transaction data transmitted by the transaction data transmitting unit 0 2 0 1 is received by the transaction data receiving unit 0 2 2 1 of the settlement information management server described later. Next, the transaction availability data generation unit 0 22 2 generates transaction availability data based on the received transaction data. Then, the generated transaction availability data is transmitted from the transaction availability data transmission unit 0 2 2 3 and received by the transaction availability data reception unit 0 2 0 2 of the mobile terminal device 0 2 0 0.

The “transaction identification information” is information identifying the transaction availability data, and transfer between credit systems or banks used by the user (including the use of debit cards). Information to identify the information necessary for processing for settlement by ('case A').

Alternatively, “transaction identification information” may mean information associated with the transaction availability data (case: B).

Alternatively, “transaction identification information” means information necessary for processing for settlement by the credit system or interbank transfer (including the case of using a debit card) used by the user. It may mean information associated with (case C).

The relation between the transaction availability data in Case B above and the information necessary for processing for settlement is the initial transaction data received by the settlement information management server, and the credit result is determined by the server system when the credit result is determined. It shall be done.

Information necessary for processing for settlement in case C above, and transaction availability data The implication with this shall be carried out in the system of the relevant server when the transaction data is initially accepted by the payment information management server and the credit result is determined.

Information necessary for processing for payment includes, for example, the credit card number of the credit card, the expiration date of the credit card, when the user uses the credit system for payment. It contains information such as the name of the credit card holder's name and the telephone number. Further, information necessary for processing for settlement includes, for example, when the user makes a settlement using a debit card, the debit card number of the debit card, the PIN code of the debit card, etc. Contains information on Information necessary for processing for such settlement can be acquired based on the transaction identification information only at a settlement information management server described later. The reason is that the association between the transaction identification information and the information necessary for the settlement is made only at the settlement information management server.

The transaction identification information does not burden the credit processing (confirmation of transaction availability) in the POS terminal device using the present embodiment, and the security at the time of settlement is made only by the encryption technology. It plays an important role in solving the problems of the invention of the present invention, which is to realize a mechanism for performing settlement by a credit system using a mobile phone, securing it independently.

The reason is that in the POS terminal device, in the settlement by the credit system etc., the information such as the credit card etc. is input, and the credit processing with the server etc. of the credit card company There is no need to carry out confirmation). The result of the credit processing is received by the portable terminal device in advance as transaction availability data. The transaction availability data is passed from the portable terminal to the POS terminal as transaction execution data, and the transaction execution data is passed from the POS terminal to the settlement information management server as settlement data. T JP 2003/011234

15

During this time, as described above, in the PO S terminal device, it is not necessary to perform credit processing (confirmation of transaction availability) with a server of a credit card company or the like. Therefore, as described above, the burden on the P S S terminal is reduced.

Also, the encrypted transaction identification information itself transmitted and received on the network connecting the payment information management server, the portable terminal device and the POS terminal device may be obtained by a third party without any problem. In other words, the information necessary for the processing of payments does not circulate on the network, so it is not necessary to encrypt the information necessary for the processing for such payments to keep the secret in communication. As a result, it is possible to ensure security in making payments without relying solely on encryption technology. In addition, if the settlement by the credit system etc. is promoted, the settlement can be done only by the credit system etc. without putting cash in the cashier at all, and it is possible to prevent the illegal acts such as cash theft etc. He also has a side as well.

Also, as an aspect of encrypting transaction identification information so as to be decipherable only by the settlement information management server, literally the transaction identification information is encrypted with a key that is only available (or available) to the settlement information management server. The case also includes the case where the transaction identification information is converted into some form in accordance with the network transmission method (eg, transmission based on the data compression method).

The “transaction execution data generation unit 0 2 0 3” generates transaction execution data based on the transaction availability data received by the transaction availability data reception unit 0 2 0 2 <With “transaction execution data”, the transaction availability 2 Within the settleable limit indicated by the data (or the data associated with it), due to a credit system or an interbank transfer (including the use of debit cards) It is information that decides to carry out processing for settlement, and executes a transaction. And, the transaction execution data has the transaction identification information which can be decipherably encrypted only by the settlement information management server. Transaction Execution Data In addition to the encrypted transaction identification information, “information indicating that it has been decided to perform processing for settlement, the amount to be settled, the name of the transaction object to be settled, (Product name, service name, etc.) May contain J etc. Moreover, the transaction execution data can also contain the mobile terminal identification information, the user account information, etc. By passing such portable terminal identification information etc. as transaction execution data to the POS terminal and passing it from the POS terminal to the settlement data and passing it to the payment information management server, a so-called discovery of “unsatisfied” can be made. That is, based on the mismatch between the portable terminal identification information etc. included in the settlement data and the portable terminal identification information etc. included in the transaction availability data, transmission etc. of the transaction execution data is valid. The end of the mobile user This is because the payment information management server can determine whether it is from the end device or from another portable terminal device, and in the latter case, there is a possibility of omission. Because the payment information management server does not perform further processing, the authentication of the user of the portable terminal device can be performed using a password or a fingerprint attached to the portable terminal device. It can be done by authentication.

In addition, the information such as “the price of the product, the name of the product” is not shown, but the information input by the user using the input unit provided in the mobile phone, or It may be acquired based on the information (transaction execution data identification information) received by the reception unit (transaction execution data identification information reception unit) provided in the mobile phone. In addition, transaction execution data may be obtained from the data memory by reading utility bills and various bill notifications from mail sent to the mobile terminal, based on the information (transaction execution data identification information) or the like. In addition, although not shown, the price of the product, etc. is the barcode format information (transaction execution data specification information) displayed on the product read by the reading unit provided in the mobile phone, the package of the product IC card attached to PT / JP2003 / 011234

17

May be acquired based on the information (transaction execution data identification information) etc stored in. In addition, the reception unit (transaction execution data identification information reception unit) or the reading unit may be an information device using infrared communication (IR FM etc.), non-contact (RF) tag, b 1 uetooth etc. May be received, and information such as the amount of money of the product may be obtained based on the information passed from the POS terminal device described later by these means. Also, the transaction execution data is data that indicates the availability of a transaction, similar to the aforementioned transaction availability data, and, for example,

“It is possible to settle the limit of ¥ 0, which can be settled by the credit system.”

In addition, when the transaction availability data includes the mobile terminal identification information or the user account information, the transaction execution data generation unit of the mobile terminal device having the same information performs the transaction execution. You can also make it possible to generate data. As a result, it is possible to prevent that the transaction availability data is incorrectly acquired in the midst of communication and that the subsequent processing is performed by so-called spoofing.

Also, neither the transaction availability data nor the transaction execution data may be data that simply indicates “transaction is possible” without indicating “the amount that can be settled”. In this case, in the POS terminal device, the information relating to the amount of money included in the settlement data is only “the amount to be settled”. After receiving the settlement data, the settlement information management server acquires the transaction availability data based on the transaction identification information included in the settlement data, and identifies the limit amount that can be settled based on the transaction availability data. And, although not shown, information indicating that processing for settlement is possible if “the amount to be settled” indicated by such settlement data is within the range of the settlement limit (processable information) Can be sent to the POS terminal. On the other hand, if the “settlement amount” indicated by such settlement data is not within the limit of settlement possible. For example, it is possible to transmit information (unprocessable information) indicating that processing for settlement is impossible to the POS terminal.

The “transaction execution data transmission unit 0 2 0 4” transmits the transaction execution data generated by the transaction execution data generation unit. Transmission of transaction execution data is performed by infrared communication (IR FM, etc.), contactless (RF) tag, b 1 uetooth transmission to POS terminal equipment, and other communication networks such as telephone networks and Internet networks. May use a method such as transmission via Also, for transmission of transaction execution data, a bar code type information capable of specifying the transaction execution data is displayed on a display unit provided on a portable terminal device (not shown), and the bar code type information is displayed. It includes the exchange of information by having it read by a barcode reader provided on the POS terminal.

Fixed terminal equipment

Further, the transaction system of the present embodiment may be configured as a transaction system having a fixed terminal device instead of the portable terminal device. That is, the terminal device used by the user (the “mobile terminal device” in the above description) is not limited to the “portable” type, but may be the “fixed type” type. For example, personal computers installed in private homes, and business PCs installed in company offices, etc. are applicable. Like the mobile terminal device, the fixed terminal device includes the transaction data transmitting unit, the transaction availability data receiving unit, the transaction execution data generating unit, and the transaction execution data transmitting unit. The transaction data may include fixed terminal identification information (including IP address and the like) which is information for identifying a fixed terminal device in addition to the planned transaction amount. In addition, the “transaction execution data transmission unit” of the fixed terminal transmits the transaction execution data generated by the transaction execution data generation unit via a communication network such as a telephone network or internet network. Do. The transaction execution data is transmitted from the transaction execution data transmission unit to the POS terminal (or a transaction server described later). In this case, it is possible to include delivery information etc. of the product in the transaction execution data. As will be described later, by configuring the POS terminal instead of the transaction server, even in the case of settlement of transactions between corporations which are not necessarily conducted transactions in real stores that sell products etc., and settlement of net transactions, etc. Use of the trading system of the present embodiment is facilitated. In this case, it is possible to include in the transaction execution data the product delivery information and the product pinning information (information on payment means, slips, etc.).

Configuration of Terminal Device>

The “POS terminal device 0 2 1 0” has a transaction execution data acquisition unit 0 2 1 1, a settlement data generation unit 0 2 1 2, and a settlement data transmission unit 0 2 1 3. Also, as POS terminal devices, specifically, registers (including PC-based ones) compatible with the POS system are applicable. However, the POS terminal device may be a wireless terminal device (PDA, mobile phone terminal, etc.) or the like.

The “transaction execution data acquisition unit 0 21 1” acquires the transaction execution data transmitted from the mobile terminal device. Acquisition of transaction execution data is via infrared telecommunication (IR FM etc.), contactless (RF) tag, reception by b 1 uetooth, and other telecommunication networks such as telephone networks and internet networks. In some cases, a method such as reception may be used. Also, in order to acquire transaction execution data, information in a barcode format that can identify the transaction execution data is displayed on the display unit provided in the portable terminal as described above, although not shown. It includes the exchange of information by having a barcode reader provided in the POS terminal read the format information.

The “settlement data generation unit 0 2 1 2” generates settlement data, which is data for settlement, based on the transaction execution data acquired by the transaction execution data acquisition unit 0 2 1 1.

As mentioned above, "settlement data" is data for settlement. Tool Physically speaking, it is the information that added the information etc. of the recipient of the payment in the settlement by the credit system or the transfer between banks (including the case of using a debit card) to the above mentioned transaction execution data. . “Information on the recipient of payment” refers to information on the financial institution account of the person who manages and operates the POS terminal (a member account of a credit card member store or a deposit account of a financial institution, etc.) . And, the settlement data includes the transaction identification information which is decipherably encrypted only by the settlement information management server.

In other words, “settlement data” means the amount to be settled by the credit system if the settlement is the settlement by the credit system, the settlement method (such as batch, split, separate for revolving, etc.) Information on the account of the financial institution of the person who manages and operates the POS terminal (eg, a member account of a credit card member or a deposit account of the financial institution, etc.) of the information specified by the transaction execution data, etc. Is added information. In addition, as described above, the settlement data includes the transaction identification information encrypted so as to be decipherable only by the settlement information management server, and based on the transaction identification information, the settlement information management server described later It is possible to obtain the card number of the registered card, the expiration date of the card, and the name of the user. In addition, “the amount of money to be settled by the credit system” may be specified by a numerical value input to an input unit provided in the POS terminal device, although not shown. Also, although this amount of money is not shown, it may be specified by the bar code type information displayed on the product package using a bar code reader provided on the POS terminal. In addition, this amount of money can be read by a bar coder on the bill number written on the bill such as a public utility charge, or it can be input to the input unit, and the settlement information management server described later based on the bill number. It may be acquired from a database of

However, the payment data does not necessarily attach other information to the transaction execution data. It is not necessary to add, and if the transaction execution data contains all the information necessary for processing for settlement, it is regarded as data showing the same contents as the transaction execution data, It may be generated by The settlement data in this case also corresponds to settlement data generated based on the transaction execution data. In addition, payment data may include user shopping information. The user's shopping information can be used by the payment information management server for customer analysis.

The “settlement data transmission unit 0 2 1 3” transmits the settlement data generated by the settlement data generation unit 0 2 1 2 to the settlement information management server 0 2 2 0. The payment data may be sent via a communication network such as a leased line or an internet network.

Trading server〉

In addition, the transaction system of the present embodiment may be configured as a transaction system having a transaction server (which may be PC-based) in place of the POS terminal device. This transaction server does not have to be installed in the actual store that provides goods and services, and does not have to be installed in a location close to the place where products etc are provided. Further, the transaction server, like the POS terminal device, comprises the transaction execution data acquisition unit, the settlement data generation unit, and the settlement data transmission unit. In this case, the user can access the transaction server with a portable terminal device or a fixed terminal device through a Web site accessible via an internet network. By configuring in this way, settlement of transactions of legal persons who are not necessarily made transactions at actual stores that sell products etc., payment collection of utilities, settlement of various payments, settlement of net transactions, etc. Also, the use of the transaction system of the present embodiment is facilitated. Further, in addition to the delivery information, tag data of a courier company or a carrier can be included in the settlement data. In addition, in the settlement of transactions between corporations, Based on (information on invoice slips), clearing of accounts receivable can be completed on the transaction server, and payment request information can be included in the settlement data.

The “settlement information management server 0 2 2 0” includes a transaction data reception unit 0 2 2 1, a transaction availability data generation unit 0 2 2 2, a transaction availability data transmission unit 0 2 2 3, and a payment data reception unit 0 2 It has 2 4, transaction matching unit 0 2 2 5, and information storage unit 0 2 2 6. '

The “transaction data receiving unit 0 2 2 1” receives the transaction data transmitted from the transaction data transmitting unit 0 2 0 1 of the mobile terminal device 0 2 0 0. The transaction data may be received using a method such as reception via a communication network such as a telephone network or an internet network.

“Trading availability data generation unit 0 2 2 2 j generates the trading availability data based on the transaction data received by the transaction data reception unit 0 2 2 1.

As mentioned above, “trading availability data” is data that includes the availability of trading.

FIG. 11 is a diagram showing an example of a functional block of a payment information management server that constitutes the transaction system of the present embodiment. An example in which the transaction availability data generation unit 1 12 2 generates transaction availability data based on the transaction data will be described using FIG. The transaction data includes information (portable terminal device identification information) and the like for identifying the portable terminal device 1 100 that transmits the transaction data. As described above, the transaction data may include the portable terminal device identification information. The payment information management server 1 120 is associated with the information for identifying the mobile terminal device 1 100 and is used for “settlement” when the user makes a payment using the credit system. The information necessary for processing is stored in advance in the information storage unit 1 1 ^{2 6} (database). The settlement information management server 1 1 2 0 is included in the transaction data. On the basis of the information for identifying the portable terminal device 1 1 0 0 (portable terminal device identification J information), the information necessary for the processing for the “decision” associated with the portable terminal device identification information. Get " The “information necessary for processing for settlement” in the settlement by the credit system means, for example, the card number of the credit card, the expiration date of the card, and the user who uses the card. It is the name etc. of (card holder name). Then, a server that manages and operates a credit card company that issues the credit card, and the “information necessary for processing for settlement” and the planned transaction amount included in the transaction data. Send to etc. The credit card company server managed by the credit card company manages the “information necessary for processing for settlement” and the above-mentioned “scheduled transaction amount” included in the transaction data. Perform credit processing (judgement of transaction availability) whether or not the user can settle the planned transaction amount using the credit system. Then, if it is determined that the estimated transaction amount can be settled by the credit system as a result of the credit processing (judgement of transaction availability), the credit within the range indicated by the estimated transaction amount Information ("Delivery result (trade availability)") indicating that payment by the system is possible is sent to the payment information management server 1 120. The settlement information management server 1 120 receives the credit result (whether or not to make a transaction). Then, the transaction availability data generation unit 1 1 2 2 of the settlement information management server 1 120 is data indicating the received credit result (transaction availability), and is information necessary for processing for settlement. Generates transaction availability data, which is data including transaction identification information associated with the transaction. The generated transaction availability data is stored and managed in the information storage unit 1 12 6 (database) or the like of the payment information management server. Note that, as described above, FIG. 7 is only an example of the functional block diagram of the present embodiment, and the present embodiment is the above-mentioned “information necessary for processing for settlement”, “trading availability data”. Are stored in the same information storage unit It is not limited to In addition, the transaction system of the present embodiment may be configured to provide such an information storage unit outside the payment information management server.

As an example of the transaction availability data generated by the above process, for example, “credit amount A (450 yen possible) can be settled by credit system B”. The data including the transaction identification information C corresponds to this point. In this case, the “credit card B” indicated by the transaction availability data corresponds to the credit card company name etc., and the credit card's card number, expiration date, name of the nominee, telephone number etc. Information is not included at all. The credit card company name has been set up at the store, although it is necessary to determine whether the credit card of the credit card company can use it at a specific store. It is not necessary for processing linkage between the os terminal and the server that manages the payment information management server or the credit card company. That is, even if the credit card company name is read from the transaction availability data, only the credit card company name is used, and a third party without permission of the credit card company name Information can not be used for payment and security is ensured. As described above, the “settable limit amount” may be specified based on the information (transaction data etc.) associated with the transaction availability data.

And, as described above, the transaction availability data includes transaction identification information encrypted only decipherably by the settlement information management server. ·

The “trading 'availability data transmission unit 0 2 2 3 (see FIG. 2)” transmits the availability data generated by the trading availability data generation unit 0 2 2 2 to the mobile terminal device 0 2 0 0. The transmission of the transaction availability data may use a method such as transmission via a communication network such as a telephone line network or an internet line network.

“Payment data receiving unit 0 2 2 4” is transmitted from the POS terminal Receive payment data. The payment data may be received by a method such as reception via a communication network such as a leased line or an internet network.

The “transaction matching unit 0 225” matches the payment data received by the payment data receiving unit with the transaction availability data transmitted from the transaction availability data transmitting unit. Here, “the tradeability data transmitted from the tradeability data transmission unit” is tradeability data indicating the same content as the tradeability data transmitted from the tradeability data transmission unit 0 2 2 3 This means that the payment information management server exists. For example, the transaction availability data stored in the information storage unit 0 2 2 6 corresponds. In addition, the verification may be performed by using encrypted transaction identification information that can be decrypted only by the payment information management server included in the transaction availability data generated by the payment information management server, and from the payment information management server to the portable terminal device 0 2 0 0 And it is carried out by decrypting and comparing with encrypted transaction identification information that can be decrypted only by the payment information management server sent via the POS terminal device 0 2 1 0. “The settlement information management server is sent from the settlement information management server via the portable terminal device 0 2 0 0 and the POS terminal 0 2 1 0” means that the transaction identification information is included in the transaction availability data and the settlement information management server ( It is transmitted from the transaction availability data transmission unit to the portable terminal device, included in the transaction execution data, transmitted from the portable terminal device (transaction execution data transmission unit) to the POS terminal device, and included in the settlement data, the POS terminal device It is transmitted from (the settlement data transmission unit) and received by the settlement information management server (the settlement data reception unit), that is, it has been circulated. Although not shown, decryption (decryption) of the encrypted transaction identification information is realized by other functions other than the transaction verification unit, and the transaction verification unit only verifies the decrypted transaction identification information. You may choose to Also, although not shown, the transaction matching unit compares the transaction identification information in the encrypted state, and compares the transaction availability data with the transaction availability data. Note that payment data may be collated. That is, bit data of both encrypted transaction identification information may be compared, and the transaction availability data may be compared with the settlement data based on whether or not the two coincide. As described above, the transaction identification information "is encrypted so that only the payment information management server can be deciphered" means the decryption key for decrypting and decrypting the cipher other than the payment information management server. Portable terminal device 0 2 0 0, POS terminal device 0 2 1 0 It means not sharing. Therefore, it does not mean that only the use of special encryption techniques is applicable.

Further, the comparison is performed by determining whether the transaction identification information included in the transaction availability data and the transaction identification information included in the settlement data are the same. The result of matching that both transaction identification information are identical indicates that the transaction identification information has been circulated without falsification. Then, if it is determined that the transaction identification information is the same, the transaction availability data identified by the transaction identification information and the transaction identification information associated with the “process for settlement”. You can use the required information to proceed directly to payment processing. That is, in the POS terminal, there is no need to re-enter information such as credit card, etc., and it is not necessary to carry out credit processing (confirmation of transaction availability) with the credit card company's server etc. It is reduced. Also, as described above, the information necessary for processing for settlement can be acquired based on the transaction identification information only in the settlement information management server, so that encryption technology can be obtained. Security can be ensured without relying solely on

As mentioned above, although the case where this embodiment was constituted as a transaction system was mainly explained, the above-mentioned portable terminal device 0 2 0 0 (or fixed terminal device), POS terminal device 0 2 1 0 The payment information management server 0 220 may be configured alone. Also, mobile terminal device 0 Settlement data is generated based on the transaction execution data at 200, and the settlement information management server is directly transmitted from the portable terminal unit 0 200 without passing through the POS terminal unit 0 21 0 (or the transaction server). A configuration is also possible in which the settlement data is sent out to 0 2 2 0. Further, in the present specification, the “scheduled amount of transaction” and the “availability of transaction” in the description of “transaction data including the scheduled amount of transaction” and “traditionability data including the availability of transaction” are defined by their respective definitions. Data (information) indicating the indicated content (or meaning of character), and in the same format as the transaction data etc., data (information) that can be transmitted / received via the internet network etc. It is explained as meaning.

Process flow of the first embodiment>

FIGS. 3 to 6 are flowcharts showing an example of the processing flow of this embodiment. An example of the flow of processing according to this embodiment will be described with reference to FIG. The “process” described in this specification can be executed by a program to be executed by a computer (including a portable terminal, a POS terminal, a payment information management server, a transaction server, and a fixed terminal). . The program can also be stored and used on a computer readable recording medium. The same applies to the following embodiments.

First, an example of the flow of processing in the portable terminal device will be described using FIG.

First, transmit the transaction data including the planned transaction amount (transaction data transmission step S 0 3 0 1). Next, according to the transaction data transmitted in step S 0 3 0 1, the transaction availability data including the availability of the transaction is received (trading availability data receiving step S 0 3 0 2). Furthermore, transaction execution data is generated based on the transaction availability data received in step S 0 3 0 2 (transaction execution data generation step S 0 3 0 3). Finally, the transaction execution data generated in step S 0 3 0 3 is transmitted to the POS terminal (transaction execution data transmission 200

28

Step S 3 3 4 4).

Next, an example of the flow of processing in the POS terminal will be described using FIG.

First, acquire transaction execution data (transaction execution data acquisition step S 0 4 0 1). Next, settlement data, which is data for settlement, is generated based on the transaction execution data acquired in step ステップ 401 (step S 04 0 2). Finally, the settlement data generated in step S 0 4 0 2 is transmitted to the settlement information management server (settlement data transmission step S. 0 4 0 3).

'Next, an example of the flow of processing in the payment information management server will be described using FIG.

First, receive transaction data including the planned transaction amount (transaction data reception step S 0 5 0 1). Next, the transaction availability data is generated based on the transaction data received in step S 0 5 0 1 (tradition availability data generation step S 0 5 0 2). Furthermore, the transaction availability data generated in step S 0 5 0 2 is transmitted (trading availability data transmission step S 0 5 0 3). Further, it receives settlement data, which is data for settlement generated from the transaction execution data generated based on the transaction availability data transmitted in step 0 5 0 3 (settlement data reception step SO 5 0 4). Furthermore, the encrypted transaction identification information included in the transaction availability data generated in step S 0 5 0 2 and the serial number included in the settlement data received in step S 0 5 0 4 Decrypt and decipher the converted transaction identification information (transaction identification information deciphering step S 0 5 0 5). Finally, by comparing the transaction identification information included in the transaction availability data decoded in step S 0 5 0 5 with the transaction identification information included in the settlement data, the step may be performed. Payment data received in step S 0 5 0 4 and the transaction availability data sent in step S 0 5 0 3 Match and with (transaction matching step S 0 5 0 6).

Finally, an example of the process flow in the transaction system is explained using Fig.6.

Send the transaction data including the planned transaction amount (transaction data transmission step S 0 6 0 1). Next, the transaction data transmitted in step S 0 6 0 1 is received (transaction data receiving step SO 6 0 2). Further, the transaction availability data is generated based on the transaction data received in step S 0 602 (transaction availability data generation step S 0 6 0 3). Furthermore, the transaction availability data generated in step S 0 6 0 3 is transmitted (transaction availability data transmission step S 0 6 0 4). Furthermore, it receives the transaction availability data including the availability of the transaction according to the transaction data transmitted in the step S 0 6 0 1 (transaction availability data receiving step S 0 6 0 5). Furthermore, transaction execution data is generated based on the transaction availability data received in step S 0 6 0 5 (transaction execution data generation step S 0 6 0 6). Furthermore, the transaction execution data generated in step S 0 6 0 6 is transmitted (transaction execution data transmission step S 0 6 0 7). Furthermore, the transaction execution data transmitted in step S 0 6 0 7 is acquired (transaction execution data reception step S 0 6 0 8). Furthermore, settlement data, which is data for settlement, is generated based on the transaction execution data received in step S 0 6 0 8 (step S 6 6 0 9). Furthermore, the settlement data generated in the step S 0 6 0 9 is transmitted (settlement data transmission step S 0 6 1 0). Furthermore, the settlement data transmitted in step S 0 6 1 0 is received (step S 0 6 1 1). Furthermore, the encrypted transaction identification information included in the transaction availability data generated in step S 0 6 0 3 and the encryption included in the settlement data received in step S 0 6 1 1. Decrypt and decrypt the converted transaction identification information (transaction identification information decoding step S 0 6 1 2). Finally, said S 0 6 The settlement data received in step S 0 6 1 1 can be obtained by comparing the transaction identification information included in the transaction availability data, which has been decrypted in 1 2, with the transaction identification information included in the settlement data. Step S Match the tradeability data sent in S 0 6 0 4 (Trade verification step S 0 6 1 3). --<Brief description of the effect of Embodiment 1>

By using the transaction system of the present embodiment, settlement by a credit system or the like is not imposed on the store side for credit processing (confirmation of transaction availability) in the settlement. And, security can be ensured without relying solely on encryption technology.

The present embodiment is based on the configuration of the first embodiment described above, and the settlement information management server further includes a settlement amount judgment unit. And, the transaction amount determination unit is a transaction system having a period totaling means, an amount totaling means and / or both, and a processing data configuration means. In the transaction system according to the present embodiment, the settlement information management server (or other device, server, etc.) performs the processing for settlement in order to eliminate the complexity of processing settlement of small amount of transactions individually. I was able to do it quickly. Specifically, it was configured as a trading system for aggregating the settlement data on the basis of a fixed amount of money or a fixed period and processing it as a transaction of 1.

FIG. 7 is a diagram showing an example of the concept of the present embodiment. An example of the concept of the present embodiment will be described using this figure.

As shown in (a) of the figure, on 1st of January, the user uses the credit system to settle a ¥ 350 commodity A at a commercial store using his own mobile phone. We also confirmed on the payment information management server whether or not the payment of ¥ 3.50 could be made using a mobile phone. From the payment information management server, 3 5 0 JP 2003/011234

31

The transaction availability data A indicating that it is possible to settle yen is sent, and the user receives this on the mobile phone, and the transaction execution data A generated based on the transaction availability data A is used as a POS terminal device. Sent to The POS terminal receives this, generates and sends settlement data A which is data for settlement, and the settlement information management server receives this.

The user, at the same commercial store, shopped for 400 yen Product B on 5 January and shopped for 400 C Item C on 10 January. Payment for shopping for products B and C was made using the credit system using a mobile phone, as with the purchase of product A.

The settlement information management server receives the settlement data B for settlement of the goods B on January 5 (see the same figure (b)), and the settlement of the goods C on January 10 Received settlement data C for (see (c) in the figure). Then, the settlement information management server aggregates the settlement data A, B, C received from 1 to 1/1 0 in a period, and is identified by the settlement data A, B, C 1 2 0 0 We restructured the processing data, which is the data to process yen-denominated settlement as one transaction.

Configuration of Second Embodiment>

FIG. 8 shows an example of a functional block diagram of this embodiment. An example of the configuration of the present embodiment will be described using this figure.

This embodiment is based on the configuration of the first embodiment, and further includes a settlement amount determination unit 0 8 2 7, and the settlement amount determination unit 0 8 2 7 uses period totaling means 0 8 2 7. This is a trading system that includes one or more of money summarization means (10 2 0 7 a: see Fig. 10) and processing data construction means 8 2 7 b. Transaction data transmitter of the mobile terminal device 0 8 0 0 (or fixed terminal device) 0 8 0 1, transaction availability data receiver 0 0 0 2, transaction execution data generator 0 8 0 3, transaction execution data transmitter POS terminal device 0 8 0 4 and 0 8 1 Transaction execution data acquisition unit 0 8 1 1 (or transaction server), settlement data generation unit 0 8 1 2, settlement data transmission unit 0 8 1 3 and settlement information management server 0 8 2 0 Transaction data reception unit 0 8 2 1, Trade availability data generation unit 0 8 2 2, Trade availability data transmission unit 0 8 2 3, Settlement data reception unit 0 8 2 4, Transaction verification unit 0 8 2 5, Information storage unit 0 The parts corresponding to those in the first embodiment are the same as those in the first embodiment, and therefore the description thereof is omitted.

“Settlement amount determination unit 0 8 2 7” is an amount indicated by the settlement data including the transaction identification information when the collation result of the transaction identification information in the transaction collation unit 0 8 2 5 is the same It is determined whether the amount to be settled exceeds a predetermined amount. The determination in the settlement amount judgment unit 0 8 2 7 is the settlement data to be totaled by the period totaling means 0 8 2 7 a or the amount totaling means (see 10 2 7 _{a in} FIG. 10) described later. It is done to distinguish whether or not it falls under. “Exceeding” a predetermined amount of money may be used to mean “is over”.

The “settlement amount determination unit 0 8 2 7” further includes one or both of period totaling means 0 8 2 7 a and amount totaling means (see 10 2 7 a in FIG. 10).

“Period count means 0 8 2 7 a” is determined by the settlement amount judgment unit 0 8 2 7 that the amount indicated in the settlement data (the amount to be settled) does not exceed a predetermined amount The period data of the settlement data is calculated. The settlement data aggregated by the period aggregation means is characterized in that “information necessary for processing for settlement” and the like associated with the transaction identification information included in the settlement data is identical. For example, the number of credit card (or debit card) used for settlement is the same, and the recipient of the settlement (the administrator of the POS terminal specified by the settlement data) Settlement data with the same financial institution's account (including an account as a credit card member's store) is collected by the term aggregation means. An example of aggregation of settlement data by the period aggregation means 0 8 2 7 a will be described. For example, when the "predetermined amount of money" is set to a small amount such as "500 yen" and the amount appropriate for settling as a transaction of 1 unit is set as "2000 yen". Think about it. In this case, for example, if it is expected that the transaction will be conducted once a week, the period for which the settlement data should be aggregated is determined to be four weeks in advance. The settlement data received by the settlement data reception unit 0 8 2 4 and determined to not exceed the amount “500 yen” predetermined by the settlement amount determination unit 0 8 2 7 Settlement data within a predetermined "four-week period" is aggregated by the period aggregation means 0 8 2 7 a.

Further, in the transaction system of the present embodiment, instead of the period totaling means 0 8 2 7 a provided in the settlement amount determination unit 0 8 2 7, an amount totaling means may be provided or both of the above means It may be configured to have FIG. 10 is a diagram showing an example of a functional block of a transaction system in which the period totaling means is replaced with the amount totaling means.

The “amount tabulation means 1 0 2 7 a” is determined by the settlement amount determination unit 1 0 2 7 that the amount (the amount to be settled) indicated in the settlement data is determined in advance and does not exceed the amount. In the case, the settlement data is aggregated until a predetermined amount of money is reached.

For example, in the same manner as described above, the amount predetermined in the settlement amount determination unit 1007 is set to a small amount such as "500 yen" and the amount appropriate for settlement as a transaction of 1 unit is Let's consider the case of 2 0 0 0 yen. In this case, the amount of money used as the basis for aggregating the settlement data is determined in advance as “2000 yen”. Then, with regard to the settlement data judged not to exceed the amount of “500 yen” predetermined by the settlement amount judgment unit 1 0 2 7, the amount of “2 0 0 0 yen” determined in advance is The settled data is aggregated by the amount aggregation means 1 0 2 7 a until it is reached. ' “Processing data configuration means (; 8 0 2 7 b in FIG. 8; 1 0 2 7 b in FIG. 1 、)” includes the period counting means (8 0 2 7 a in FIG. 8) or the amount summarizing means The settlement data summarized in (10 2 0 7 a in FIG. 10) is reconstructed as processing data for processing as a 1-transaction.

“Processed data” is data reconstructed to process the settlement data aggregated as described above as one transaction. In addition, the processing data indicates the total amount of “amount to be settled” shown in each aggregated settlement data.

For example, if the settlement data A for settlement of 350 yen, settlement data for settlement of 400 yen, and settlement data for settlement of 450 yen are summarized in period, these settlements The processing data is reconstructed as data for settlement of ¥ 1200, which is the total amount indicated by data A, B, and C. In this case, although not shown, in the settlement processing unit that performs processing for settlement, the processing for settlement of “1 200 yen J can be performed as one transaction. The reason is, as described above, the transaction identification information included in the settlement data to be totaled by the period totaling means (8 0 2 7 a in FIG. 8) or the amount totaling means (1 0 2 7 a in FIG. 10). This is because “information required for processing for settlement” etc. that can be obtained based on the same information is the same. The fact that “information required for processing for settlement” is the same means that “credit card information (or debit) used for settlement acquired based on settlement data A, B, C. Account information) is the same, and the account of the recipient (the administrator of the POS terminal specified by the settlement data) and the account of a financial institution (a credit card member store) Indicates that the same account is included. That is, since the payer side and the payee side are the same in the settlement identified by the settlement data A, B, C, the processing for these settlements is combined into one transaction. It will be possible to Process Flow of Second Embodiment>

FIG. 9 is a flowchart showing an example of the flow of processing according to the present embodiment. An example of the flow of processing according to the present embodiment will be described with reference to FIG.

First, receive transaction data including the planned amount j (transaction data reception step S 0 9 0 1). Next, on the basis of the transaction data received in the step S 0 901, the transaction availability data including the availability of the transaction is generated (trading availability data generation step S 0 90 2). Furthermore, the transaction availability data generated in step S 0 902 is transmitted (transaction availability data transmission step S 0 9 0 3). Further, it receives settlement data which is data for settlement generated from the transaction execution data generated based on the transaction availability data transmitted in step 0 9 0 3 (settlement data reception state). S 0 9 0 4). Furthermore, the encoded transaction identification information included in the transaction availability data generated in the step S 0 901 and the encryption included in the settlement data received in the step S 0 9 0 4. Decrypt and decipher the identified transaction identification information (decryption step S 0 9 0 5). Furthermore, by comparing and comparing the transaction identification information decoded in the step S 0 9 0 5, the settlement data received in the step S 0 9 0 4 and the step S 0 9 0 3 Match the availability data sent in (match step S 0 9 0 6). Furthermore, when the collation result of the collation in the collation step S 0 9 0 6 is the same, it is judged whether or not the settlement data including the transaction identification information exceeds a predetermined amount of money. Step S 0 9 0 7). Further, the settlement data determined not to exceed the predetermined amount in step S 0 9 0 7 is subjected to period aggregation (period aggregation step S 0 9 0 8). Finally, the settlement data aggregated in the step 0 9 0 8 is reassembled as processing data for processing as a 1 transaction (processing data reconstruction step S 0 9 0 9).

Brief Description of Effects of Embodiment 2 By using the transaction system of the present embodiment, it is not necessary to individually process the settlement based on the settlement data for the small settlement, so the processing for the settlement May be efficient. As described above, it is possible to process settlement data as a single transaction by aggregating settlement data that satisfies a certain condition for a certain period, or based on a certain amount of money. is there.

Also, for example, if the credit card company's convenience store uses the transaction system of the present embodiment, in order to promote small settlements in the convenience store, etc., to be performed by the credit system, for example. It is convenient. In small-scale settlement, if processing for settlement is performed for each settlement data, the minimum fee for using the credit system is incurred for each processing. And, the total amount of the minimum fee may exceed the fee that would have been incurred if it had been settled with the total settlement value shown in all settlement data. Merchants may be aware of this increased ratio of fees to payments, and may avoid making small payments using credit systems. On the other hand, credit card companies, if they process such small settlements individually, will have to pay the minimum fee as described above, since they will have expenses for each process. In any case, for each processing, the data necessary for processing for the settlement can be stored at the shop side and the credit card company via a communication line dedicated to settlement such as the above-mentioned "CAFIS (registered trademark)". It is because it is necessary to transmit and receive between. That is, the fee for use of the communication line is incurred for each processing. In this regard, when the transaction system of the present invention is used, it is only necessary to use the dedicated communication line between the payment information management server and the credit card company server or the like. In addition, since the settlement data is aggregated and processed as described above, the number of communications can be reduced. That is, as mentioned above, is the communication fee expensive? There is no problem with measuring. Moreover, the communication fee can be further reduced by adopting a method in which payment data is stored in the POS terminal device at the member store side and batch transmission processing is performed in a fixed amount or time, and the communication fee can be further reduced. It makes it possible. Therefore, by using the transaction system of the present invention, communication charges and the like borne by credit card companies and the like can be reduced. Credit card companies can also reduce the fees they receive from customers. Thus, it can be said that the transaction system of the present invention is a system having merits for both.

Packaging embodiment 3.>

Concept of embodiment 3>

FIG. 12 shows an example of the concept of this embodiment. An example of the concept of the present embodiment will be described using FIG.

The present embodiment is based on the configuration of the first embodiment described above, and further, the transaction execution data generation unit is configured to execute a plurality of transactions based on the one transaction availability data received by the transaction availability data reception unit. It is a trading system that can generate execution data.

That is, as shown in the figure, (1) Users of credit cards and the like are expected to pay a certain amount (for example, 0 円 Receive the transaction availability data A including the result of credit processing (whether or not the transaction can be made) whether settlement is possible using the credit system etc. Then, after the transaction availability data A is received, shopping etc. can be performed using the transaction availability data A within the limit of the settleable amount (¥ 200 0) indicated by one transaction availability data A. Ru. For example, based on the one transaction availability data A, (2) transaction execution data indicating that “the amount to be settled is 800 yen” is generated at a specific store (store A) and You can send it, and you can purchase the commodity A of 800 yen. Furthermore, (3) another store (store B) The transaction execution data indicating that “the amount of money to be settled is ¥ 700” is generated and sent to the POS terminal, and the goods B of ¥ 700 can be purchased. Furthermore, (4) transaction execution data indicating that “the amount to be settled is 500 yen” is generated at another store (C store), and transmitted to the POS terminal device, and 500 yen is sent. You can purchase item C of. That is, it is convenient that the user of the portable terminal of the transaction system of the present invention does not receive the transaction availability data including the result of the credit processing at each settlement.

Configuration of Third Embodiment>

FIG. 13 is a diagram showing an example of a functional block of the present embodiment. An example of the configuration of the concept of the present embodiment will be described using FIG.

As described above, the present embodiment is based on the configuration of the above-described first embodiment, and further, the transaction execution data generation unit transmits the one transaction availability data received by the transaction availability data reception unit. It is a trading system that can generate multiple transaction execution data based on it.

Transaction data transmission unit 1 3 0 1 of the mobile terminal device 1 (or fixed terminal device), transaction availability data reception unit 1 3 0 2, transaction execution data generation unit 1 3 0 3, transaction execution data transmission unit In addition, the transaction execution data acquisition unit 1 3 1 1 of the POS terminal apparatus 1 3 1 0 (or the transaction server), the settlement data generation unit 1 3 1 2, the settlement data transmission unit 1 3 1 3 and also the transaction data receiving unit 1 3 2 1 of the settlement information management server 1 3 2 0, the transaction availability data generating unit 1 3 2 2, the transaction availability data transmitting unit 1 3 2 3, the settlement data receiving unit 1 3 2 4. The transaction collating unit 1 3 2 5 and the information storage unit 1 3 2 6 are the same as the corresponding portions of the first embodiment, so the description of the common portions will be omitted. In the figure, illustration of transaction data, transaction availability data, transaction execution data, and settlement data, which are targets of processing in each configuration of the POS terminal device and the settlement information management server, is omitted. <About transaction execution data generation unit>

The “transaction execution data generation unit 1 3 0 3” can generate a plurality of transaction execution data based on the one transaction availability data received by the transaction availability data reception unit. For example, as shown in the figure, the transaction execution data generation unit 1303 can generate three transaction execution data A, B, and C based on one transaction availability data.

That is, the total of the “settlement amount” indicated by each of the plurality of pieces of transaction execution data A, B, C does not exceed the settleable limit value indicated by the transaction possibility data, A plurality of pieces of transaction execution data can be generated by the transaction execution data generation unit 1303 on the basis of. Then, the sum of “the amount to be settled” indicated by each of the plurality of pieces of transaction execution data A, B and C generated by the transaction execution data generation unit 1303 is the transaction availability data. Once the indicated settleable limit is reached, it will not be possible to generate transaction execution data based on the transaction availability data. Hereinafter, an example of a specific example of generating a plurality of transaction execution data based on one transaction availability data will be described.

When the transaction execution data is generated based on the transaction availability data, the content of the transaction execution data that can be further generated based on the transaction availability data is limited based on the “remaining available transaction amount information” shown below. Ru. The “remaining tradable amount information” refers to information on the amount obtained by subtracting the “payment amount” indicated by the transaction execution data from the “settled amount limit” indicated by the transaction availability data.

FIG. 18 is a diagram showing an example of a specific example of generating a plurality of pieces of transaction execution data based on one piece of transaction availability data, using the remaining tradable amount information. An example of the generation of transaction execution data in the transaction execution data generation unit will be described using FIG. Consider the case where the transaction availability data is data indicating that “the transaction amount of ¥ 200 can be settled with Credit System X”, etc. as an example. Based on the transaction availability data, "transaction execution data A indicating that the amount to be settled is 800 yen" is generated. Then, at the same time as generation of such transaction execution data, transaction execution data indicating “the amount to be settled” of the remaining ¥ 1 200 yen can be generated based on the transaction availability data, either before or after that. The remaining transaction possible money amount information A is generated by the transaction execution data generation unit, is associated with the transaction availability data, and is stored in the storage unit (see (A) in the figure).

Then, the transaction execution data generation unit generates transaction execution data B, which indicates that the amount to be settled is 700 yen, based on the transaction availability data and the remaining available transaction amount information A. Yes (see (B) in the figure). The “settlement amount” of the newly generated transaction execution data is within the range of the settleable limit (¥ 200 0) indicated by the transaction availability data, and the remaining transaction is possible. It is limited to the range of the settleable limit (1 200 yen) indicated by the amount information A. In other words, the “settlement amount” shown in transaction execution data B is limited to the range of “1 200 yen”. Then, the remaining tradable money amount information A is updated to “The remaining tradable money amount information B indicating the maximum amount of settlement ¥ 500”.

Then, the transaction execution data generation unit generates “transaction execution data C indicating that the amount to be settled is 500 yen,” based on the transaction availability data and the remaining tradable amount information B. (See Figure (C)). Then, the remaining available transaction amount information B is updated to “remainable available transaction amount information C indicating a limit of 0 yen that can be settled”. Thus, it is possible to generate a plurality of transaction execution data A, B, and C based on the one transaction availability data until the settleable limit value indicated by the remaining available transaction amount information becomes 0 yen. It is possible. These processes are included in the process of “generating a plurality of transaction execution data based on the one transaction availability data received by the transaction availability data receiving unit” described above.

Further, although not shown, the transaction availability data associated with such remaining available transaction amount information is stored in a memory or the like in the portable terminal device. Alternatively, after the remaining transaction available money amount information is generated by the transaction execution data generation unit, it is transmitted from the mobile terminal device to the payment information management server, stored in the payment information management server, and managed again. When generating transaction execution data based on the transaction availability data, the mobile terminal device may receive from the payment information management server. In addition, even if this remaining tradable money amount information is exchanged between the portable terminal device and the payment information management server, the information itself does not indicate personal information, and in the transaction system of this embodiment, personal information is also included. Information will not leak.

As described above, in the present embodiment, it is possible to generate a plurality of transaction execution data based on one transaction availability data, and the advantage is that the transaction availability data and the transaction execution data are referred to as so-called It is possible to use it as electronic money. Electronic money means “the electronic information in the electronic money system, which is a generic term for systems that complete payment by exchange of electronic information”. Electronic money, while electronic information, can be used for settlement with the same freedom as cash. Further, the transaction availability data used in the transaction system of the present embodiment does not need to be received by (the transaction availability data receiving unit of) the portable terminal device each time of the transaction. In the transaction system of the present embodiment, once the transaction availability data is received by the mobile terminal device (transaction availability data receiving unit), the transaction availability de- -It becomes possible to use data for payment processing with the same degree of freedom as cash. In this respect, it can be said that it is possible to use the transaction availability data as electronic money.

Electronic money systems are generally divided into “prepaid card application type”, “Tale card application type”, “deposit currency usage type” and “cash currency type”. And, in the present embodiment using the transaction availability data etc., when it is used for payment by a credit system, “credit card applied type” of this electronic money system is used. It has the advantage of 'currency type'. In addition, in the present embodiment, when used for settlement by interbank transfer (including the case of using a debit card), “deposit currency usage type” and “cash currency type” are also used in electronic money systems. Have the advantages of And, in any case, it can be said that it is superior to each of these electronic money systems in that it does not have the drawbacks of each of these electronic money systems.

The above “credit card type advantage” means that the existing credit card payment communication network is available and there is a high possibility of practical use, and the payment limit is the actual deposit of the user. It is convenient for users because it is not limited to the amount. Also, “the advantage of cash currency type” is that it can ensure the anonymity of settlement. Also, the advantage of the “deposit currency usage type” is that it can be put into practical use with relatively simple technical mechanisms (such as bank book rewriting). Also, there is no need to use a dedicated device, and this can be realized by operation from an individual personal computer or the like.

Also, “the disadvantage of the prepaid card application type” is that it takes time and effort to purchase in advance at convenience stores. In addition, “the disadvantage of the credit card application type” is the possibility of leakage of personal information and the inability to secure anonymity of payment. In addition, the “demerit of deposit currency usage type” is that the settleable amount is limited to the deposit amount. Also, the drawback of “cash currency type” is that It is difficult to construct a technical mechanism to ensure the authenticity of electronic money (electronic information), which is a form of electronic money, that is, it is difficult to put it to practical use.

In the electronic money management system, among the above-mentioned methods, in particular, “Credit card application type” has been put into practical use, but as described above, “leakage of personal information” becomes a problem. A truly reliable system has not yet been built. In this regard, in the present invention, as described in the first embodiment, personal information such as credit card numbers is not exchanged between the portable terminal device, the POS terminal device, and the payment information management server. It is only the transaction availability data that does not contain personal information that is exchanged between these devices. Since personal information such as credit card numbers is managed only by the management server, there is no risk of leakage of personal information, and the anonymity of settlement is ensured.

In addition, there are "VISAC ash (registered trademark)" etc. as an example of the "prepaid card application type" of the above-mentioned electronic money, and an example of "credit card application type" is " For example, “Financia 1 Service Termology Consortium”, or “Cash currency type” may be used as an example of “type of deposit currency”. As an example, there is “M ondex (registered trademark) J etc. Process flow of embodiment 3>

FIG. 14 is a flowchart showing an example of the process flow of the present embodiment. An example of the flow of processing according to this embodiment will be described with reference to FIG.

First, transmit the transaction data including the planned transaction amount (transaction data transmission step S 0 4 0 1). Next, transaction availability data including transaction availability is received according to the transaction data transmitted from step S 1401 (trading availability data receiving step S 140 2). Furthermore, based on the transaction availability data received in step S 1 402, the settlement availability indicated by the transaction availability data is 00 Hiring 1234

44

Generate transaction execution data that indicates an amount that does not meet the functional limit (the amount to settle). (Trade execution data generation step S 1 4 0 3). In addition, the transaction execution data generated in step S 1403 is transmitted to the POS terminal (transaction execution data transmission step S 140 4). Furthermore, the remaining transaction available amount information, which is information about the amount obtained by subtracting the settlement amount indicated by the transaction execution data, from the limit value of the transaction indicated by the transaction availability data is used as the transaction possibility data. Associate and accumulate (remaining available amount information related information step S 1 0 4 5). Further, an amount within the limit of the settleable limit indicated by the transaction availability data and within the range of the settleable limit indicated by the remaining available transaction amount information (the amount to be settled) Generate transaction execution data (re-transaction execution data generation step S 1 4 0 6) <Brief description of the effect of the third embodiment>

By using this embodiment, the process for settling the purchase price of the product can be simplified, not necessarily limited to the user's deposit amount. In addition, it is possible to secure the anonymity of the settlement and perform processing for settlement. In addition, processing for settlement of interpersonal transactions can be simplified.

Concept of Fourth Embodiment>

FIG. 15 shows an example of the concept of this embodiment. An example of the concept of the present embodiment will be described using FIG.

The present embodiment is based on the configurations of the above-described first to third embodiments, and in addition, the portable terminal device is a transaction that is a chip-type electronic device (such as an IC card) that can be inserted and removed from another electronic device It is a system.

As shown in the figure, it has a prepaid card (IC card: chip-type electronic device) for train fares that can be used for automatic clearing of train fares. The user charged the IC card (chip-type electronic device) with the prepaid card charge device for the train fare, and the amount information for the train transportation @. Then, the user settled the train fare with the IC card (chip-type electronic device).

Furthermore, the user received “trading availability data” from the server using his mobile phone etc., and stored it in the IC card (chip-type electronic device). Such trade availability data indicates that the user can use the credit system to perform processing for settlement with a limit of ¥ 800 as the settlement limit. The Then, the user uses the “settlement amount equivalent to the price of the product” based on the transaction availability data stored in the IC card (chip-type electronic device) in order to purchase the product A of 800 yen. The transaction execution data indicating the amount of money to be paid (80 yen) was generated and sent to the POS terminal of the store. The user finished clearing the price for product A by transmitting the transaction execution data to the POS terminal of the store. Thus, the IC card (chip-type electronic device) could also be used in place of a credit card.

At present, IC cards are widely used in systems for so-called settlement (transactions), such as the settlement of train fares. For example, “S U I C A (registered trademark)” operated by J R East (West Japan) corresponds to the IC card. Further, it is more convenient to add the function of the chip-type electronic device of the present invention to the IC card. In other words, many payment functions can be integrated into one IC card. Therefore, the portable terminal device constituting the present embodiment is configured as a "chip-type electronic device" so that it can be used even in the manner as the above-mentioned IC card. In addition, if the chip-type electronic device is a card type, it is convenient because the user can store it in a wallet and carry it.

Configuration of Fourth Embodiment> Four

46

FIG. 16 is a diagram showing an example of a functional block diagram of the present embodiment. An example of the configuration of this embodiment will be described using this figure.

As described above, the present embodiment is based on the configuration of the first to third embodiments, and further, the portable terminal device can be inserted into and removed from another electronic device (chip card electronic device etc.) Is a trading system. Transaction execution data acquisition unit 1 6 1 1, settlement data generation unit 1 6 1 2, settlement data transmission unit 1 6 1 3 of the POS terminal device 1 6 10 (or the transaction server), and the settlement information management server 1 6 2 0 transaction data receiving unit 1 6 2 1, transaction availability data generating unit 1 6 2 2, transaction availability data transmitting unit 1 6 2 3, settlement data receiving unit 1 6 2 4, transaction matching unit 1 6 2 5 The information storage unit 1 6 2 6 is the same as the corresponding part of the basic embodiment 1 and the like, and therefore the description of the common part is omitted.

<Chip-type electronic devices, other electronic devices>

“Chip-type electronic device 1 6 0 0” is a part of components constituting the transaction system of the present embodiment in place of the mobile phone of the first embodiment, and can be removed from other electronic devices. It is an electronic device. Then, the same function as the function of the portable terminal device of the first embodiment, which is the basic, is realized in both the chip-type electronic device and the other electronic device. For example, as shown in the figure, among the functions possessed by the portable terminal devices constituting the transaction system according to the first embodiment, the chip-type electronic device 1600 is a transaction execution data generation unit 1600. 3, has transaction execution data transmission unit 1 6 0 4. And, the other function possessed by the portable terminal device constituting the transaction system of the basic embodiment 1 is possessed by the other electronic device capable of inserting and removing the chip-type electronic device. That is, as shown in the figure, the transaction data transmitting unit 1601 and the transaction availability data receiving unit 1602 are configured to be included in the other electronic device. Examples of the other electronic devices include mobile phones, PDAs, personal computers and the like. Although not shown, the chip-type electronic device includes the transaction data transmitting unit 1 6 0 1, the transaction availability data receiving unit 1 6 0 2, the transaction execution data generating unit 1 6 0 3, the transaction execution data It may be configured to have all of the transmitters 1604 or one or more functions. Therefore, the other electronic device includes the transaction data transmission unit 1601, the transaction availability data reception unit 1602, and the transaction execution data generation unit 1603, and the chip-type electronic device It is also possible to configure the trading system of the present embodiment so that the device has the transaction execution data transmission unit 1604.

Specific examples of chip-type electronic devices include IC cards and electronic memories with communication functions. The IC card may be in the form of so-called contact or non-contact. The electronic memory with communication function corresponds to a communication module, that is, an electronic device in which an information storage device is integrated with an RF circuit and a baseband circuit. The communication by the communication module is not limited to the one using a so-called telephone network, and like the transaction execution data transmission unit of the portable terminal according to the first embodiment, the infrared communication (Ir FM etc.), Other methods such as contactless (RF) tag transmission, bluetooth transmission, or transmission via a communication network such as an internet network can be used. Although not shown, in the communication by the communication module, a bar code type information capable of specifying the transaction execution data is displayed on a display unit provided in the chip type electronic device, and the bar code type It includes the exchange of information by having the information read by a barcode reader provided in the POS terminal.

The functions of the above-described chip-type electronic device and other electronic devices may be configured in hardware or software. When the function is configured as software, a program for realizing the function may be the above-mentioned other electronic device or the chip type electronic device from the above-mentioned payment information management server. You should be able to download it to

When the chip-type electronic device 1600 is configured using an IC card function, the "transaction execution data generation unit 1603" realizes an information processing function of an IC power. It can be configured in the same way as the configuration (such as “CPU” in the IC card microcomputer section).

In addition, as described above, the “transaction execution data transmission unit 1604 in the chip-type electronic device” transmits the transaction execution data to the POS terminal according to a communication method using a non-contact (RF) tag. It can be sent to device 1 6 1 0. That is, chip-type electronic devices can transmit data (transaction execution data) in the same way as data communication with contactless IC cards. In this case, the transaction execution data transmission unit 1604 of the chip-type electronic device is configured in the same manner as the configuration for realizing the data transmission / reception function of the IC card, etc.). It is possible.

Although not shown, the chip-type electronic device may be provided with a function (chip-type electronic device storage unit) for storing the transaction execution data. In this case, the storage function (chip-type electronic device storage section) has the same configuration as that for realizing the information storage function of the IC card (such as "EEPROM _: Electrically Rewritable ROM" of the IC module's microcomputer section). This can be achieved by the configuration.

As mentioned above, IC cards may be of a non-contact type. That is, data can be transmitted / received (without contact) by means of electromagnetic induction or the like without being in direct contact with the reader / writer (in the present embodiment, the one equivalent to the P 装置 S terminal device). Such non-contact type IC card can exchange information with the above-mentioned "contact type IC card" which can exchange information with the reader's writer at intervals of about several mm and more. There is a "remote IC card", but the chip-type electronic device uses any type of IC card. It may be

As mentioned above, the functions of IC cards are widely used in systems for so-called settlement (Registration I) such as train fare clearing. Therefore, when the user of the chip-type electronic device already owns the IC card, the transaction execution data generation unit 1 6 0 3 and the transaction execution data transmission unit 1 6 are added to the function of the IC card. It is possible to configure the chip-type electronic device by adding functions such as 4).

In addition, although “set fare function for train fares” is illustrated as a payment function possessed by the IC card used for the chip-type electronic device, the payment function possessed by the IC card is not limited to such function, For example, it may be a payment function of ETC card used for ETC (automatic toll collection system for toll motorways). It goes without saying that an IC card dedicated to the transaction system of this embodiment can be used as the chip-type electronic device.

Also, in the case of a chip-type electronic device, the IC card may be incorporated in a mobile phone or PDA (in this case, the mobile phone or PDA may be the other electronic device). In addition, it may be stuck on clothes, bags, wallets, glasses, watches, etc.

In addition, chip-type electronic devices are not limited to those similar to IC cards, and mainly have the function of reading and recording information such as r Flash memory, etc. It also includes those with functions.

In addition, chip-type electronic devices may be provided with a biometric authentication method such as fingerprint authentication.

The IC card is characterized as "It is very difficult to physically copy, it is difficult to access the inside of the keyboard, and it is difficult to falsify or steal data." Security is said to be high, but it can not completely eliminate unauthorized access to the inside of the card. Therefore, There is still a risk that such information will be obtained illegally if the smart card number is stored directly in the IC card. In this respect, in the transaction system of the present embodiment, even when an IC card is used as a chip-type electronic device, the personal information of the credit card number is not stored in the IC card. There is no concern about the leakage of personal information, even if the IC card information is illegally acquired.

As an IC card used for a system for payment, an IC card "F e 1 ica (registered trademark)" developed by Sony Corporation is known, and as described above, the actual train fare Credit card “SUICA (registered trademark) J” is used.

However, in the current settlement system using such an IC card "F e 1 ica (registered trademark)", the IC card itself is encrypted with the credit card number etc. (common key system). And electronic money etc. that have direct monetary value. Therefore, the security of the IC depends on the encryption technology. In order to solve this problem, NTT Group has also proposed using a public key method that is generally said to be highly secure among encryption technologies. However, such a mechanism is still secure only at the limit of encryption technology.

As described in the above-mentioned embodiment 1, the payment information management server 1260 is associated with the information for identifying the portable terminal device (portable terminal identification information), and the credit card of the user is The “information necessary for processing for settlement” by the credit system using the database information is stored in advance in the information storage unit 1 6 2 6 (database). In the case of this embodiment, since the mobile terminal device is a "chip-type electronic device", the information storage of the payment information management server is performed. In the stacking unit, “information for identifying the chip-type electronic device (chip-type electronic device identification information)” and the “information necessary for processing for settlement” may be associated and stored. Good. In this case, the transaction data may include the chip-type electronic device identification information. Then, the payment information management server 1602 is required for the processing for the payment related to the chip-type electronic device identification information based on the chip-type electronic device identification information included in the transaction data. Information is acquired. The information “J necessary for processing for payment” is the same as that described in the above-mentioned Embodiment 1, and therefore the explanation is omitted. May be information for identifying the other electronic device (including a mobile phone).

Process flow of the fourth embodiment>

FIG. 17 is a flow chart showing an example of the processing flow of this embodiment. An example of the flow of processing according to this embodiment will be described with reference to FIG.

First, transmit the transaction data including the planned transaction amount (transaction data transmission step S 0 7 0 1). Next, transaction availability data including transaction availability is received according to the transaction data transmitted in step S 1 0 1 1 (transaction availability data receiving step S 1 7 0 2). Furthermore, the transaction availability data acquired in step 1702 is stored in a chip-type electronic device that can be inserted into and removed from another electronic device (tradition availability data storage step 1 7 0 3). Furthermore, transaction execution data is generated based on the transaction availability data accumulated in step 1 703 (transaction execution data generation step 1 7 0 4). Furthermore, the transaction execution data generated in step 1704 is stored in the chip-type electronic device (transaction execution data storage step 1 7 0 5). Finally, the transaction execution data stored in step 1705 is transmitted from the chip-type electronic device to the POS terminal by a communication method using a contactless (RF) tag (transaction execution data transmission Step 1 7 0 6).

Brief Description of Effects of Embodiment 4

By using the transaction system of the present embodiment, it is possible to add the functions of the chip-type electronic device of the present embodiment to an IC card etc. already used for a system that has already been settled. Several payment functions can be installed in one chip-type electronic device (such as an IC card). In addition, even when a dedicated chip-type electronic device (such as an IC card) is used in the transaction system of the present embodiment, portability is more convenient than so-called mobile phones and the like.

Industrial applicability

By using the present invention, payment by a credit system using a portable terminal device represented by a mobile phone can be reduced to the store side (POS terminal device) for the credit processing in the payment. It will be possible to ensure security without doing anything and relying solely on encryption technology. Moreover, if the settlement by the credit system etc. is promoted in this way, the settlement can be made only by the credit system etc. without putting cash in the cashier at all, cash theft etc. It also has an aspect that can prevent fraud.

In addition, it may be possible to promote payment by a credit system using a mobile phone, even in a commercial store where small payments are made for a large number of people in a short time, such as a convenience store. is there. Also, in the case of net transaction or inter-corporation settlement using the internet network, the burden for credit processing in the settlement is not put on the transaction server, and it depends only on the encryption technology. Security can be secured without having to do it.

Claims

The scope of the claims

1. A transaction data transmitting unit for transmitting transaction data including a planned transaction amount, and a transaction availability data receiving unit for receiving transaction availability data including availability of transactions according to the transaction data transmitted from the transaction data transmitting unit,

A transaction execution data generation unit that generates transaction execution data based on the transaction availability data received by the majestic allowance availability data reception unit;

A transaction execution data transmission unit that transmits the transaction execution data generated by the transaction execution data generation unit to the POS terminal device;

A portable terminal device having

A transaction execution data acquisition unit that acquires transaction execution data transmitted from the transaction execution data transmission unit of the mobile terminal device;

A settlement data generation unit that generates settlement data that is data for settlement based on the transaction execution data acquired by the transaction execution data acquisition unit; and settlement data generated by the settlement data generation unit to a settlement information management server A payment data transmission unit to be transmitted;

And a POS terminal device having

A transaction data receiving unit for receiving transaction data transmitted from the transaction data transmitting unit of the mobile terminal device;

A transaction availability data generation unit that generates the transaction availability data based on the transaction data received by the transaction data reception unit;

A transaction availability data transmission unit for transmitting the transaction availability data generated by the transaction availability data generation unit to the portable terminal device; and settlement data transmitted from the settlement data transmission unit of the P 0 S terminal device A payment data receiving unit for receiving

Payment data received by the payment data receiving unit; and the transaction availability data A transaction information management server having a transaction matching unit that matches the transaction availability data sent from the sending unit;

The transaction matching unit of the payment information management server, an encrypted transaction identification information that can be decrypted only by the payment information management server, included in the transaction availability data generated by the transaction availability data generation unit, and the payment information. It is included in the transaction availability data from the management server and transmitted to the portable terminal device, is included in the transaction execution data from the portable terminal device and is transmitted to the POS terminal device, and is included in the settlement data from the POS terminal device. A transaction system that performs the comparison by comparing with the transmitted transaction identification information that can be decrypted only by the payment information management server.

2. The transaction system according to claim 1, wherein the transaction execution data generation unit can generate a plurality of transaction execution data based on the one transaction availability data received by the transaction availability data reception unit. .

3. The transaction system according to claim 1 or 2, wherein the portable terminal device is a chip-type electronic device that can be inserted into and removed from another electronic device.

4. The trading system according to any one of claims 1 to 3, wherein the POS terminal device is configured instead of a trading server,

The transaction server is

A transaction execution data acquisition unit for acquiring the transaction execution data via an internet network;

Trading system with.

5. A claim in which the mobile terminal device is replaced with a fixed terminal device 1 2004/075081

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Or the trading system described in 2;

The fixed terminal device is

A reverse data transmission unit that transmits transaction data including a planned transaction amount via the Internet network;

A transaction availability data receiving unit that receives transaction availability data including transaction availability according to the transaction data sent from the transaction data sending unit;

A transaction execution data generation unit that generates transaction execution data based on the transaction availability data received by the transaction availability data receiving unit;

A transaction execution data transmission unit for transmitting the transaction execution data generated by the transaction execution data generation unit to the POS terminal or the transaction server via the internet network;

Trading system with.

6. The POS terminal according to claim 1.

7. The transaction server according to claim 4.

8. The mobile terminal device according to claim 1.

9. The fixed terminal device according to claim 5.

1 0 The payment information management server according to claim 1.

1 1 With the transaction data sending step of sending transaction data including scheduled transaction amount

A transaction availability data receiving step of receiving transaction availability data including transaction availability according to the transaction data transmitted in the transaction data transmission step, and trading based on the transaction availability data received in the transaction availability data receiving step A transaction execution data generation step of generating execution data;

A transaction execution data transmission step of transmitting the transaction execution data generated in the transaction execution data generation step to the POS terminal device;

A trading program that causes a computer to execute.

1 2. Settlement data generation step for acquiring settlement data, which is data for settlement based on the transaction execution data acquisition step for acquiring transaction execution data, and the transaction execution data acquired in the transaction execution data acquisition step Step and

A settlement data transmission step of transmitting the settlement data generated in the settlement data generation step to a settlement information management server;

A trading program that causes a computer to execute

The transaction execution data is

A trading program characterized by being generated based on tradeability data including tradeability, which is received according to trade data including a traded amount.

1 3. Transaction data receiving step of receiving transaction data including scheduled transaction amount,

A transaction availability data generation step of generating the transaction availability data based on the transaction data received in the transaction data reception step;

A transaction availability data transmission step for transmitting the transaction availability data generated in the transaction availability data generation step;

A payment data receiving step for receiving payment data which is data for payment;

The encrypted transaction identification information included in the transaction availability data generated in the transaction availability data generation step and the encrypted transaction identification information included in the settlement data received in the settlement data reception step are decrypted. Transaction identification information decoding step to

The payment data receiving step is performed by comparing the transaction identification information included in the transaction availability data, which is decrypted in the transaction identification information decryption step, with the transaction identification information included in the settlement data. Matching the payment data received in step with the transaction availability data sent in the transaction availability data sending step Transaction matching step, and

It is a trading program that lets a computer execute

The payment data is

A trading program characterized by being generated from trade execution data generated based on the trade availability data.

1 4. Transaction data transmission step of transmitting transaction data including scheduled transaction amount,

A transaction data receiving step for receiving the transaction data sent in the transaction data sending step;

A transaction availability data transmission step of transmitting the transaction availability data generated in the transaction availability data generation step;

A transaction availability data receiving step of receiving transaction availability data including transaction availability according to the transaction data transmitted from the transaction data transmission step; and based on the transaction availability data received in the transaction availability data receiving step. A transaction execution data generation step of generating transaction execution data;

A transaction execution data transmission step for transmitting the transaction execution data generated in the transaction execution data generation step;

A transaction execution data acquisition step of acquiring the transaction execution data transmitted in the transaction execution data transmission step;

A settlement data generation step of generating settlement data that is data for settlement based on the transaction execution data acquired in the transaction execution data acquisition step;

A settlement data transmission step of transmitting the settlement data generated in the settlement data generation step; A settlement data receiving step of receiving the settlement data transmitted in the settlement data transmission step;

The encrypted transaction identification information included in the transaction availability data generated in the transaction availability data generation step and the encrypted transaction identification information included in the settlement data received in the settlement data reception step Step of deciphering and deciphering the transaction identification information;

The payment data receiving step is performed by comparing the transaction identification information included in the transaction availability data, which is decrypted in the transaction identification information decryption step, with the transaction identification information included in the settlement data. A transaction matching step of matching the settlement data received in step with the transaction availability data sent from the transaction availability data sending step;

A trading program that causes a computer to execute.

The payment information management server further includes

In the case where the collation result of the transaction identification information in the transaction collating unit is the same. There is a settlement amount judgment unit which judges whether the amount indicated by the settlement data including the transaction identification information exceeds a predetermined amount. And

The settlement amount judgment unit further

A period totaling means for totaling the period of the settlement data determined that the amount indicated by the settlement data does not exceed the predetermined amount;

A processing data configuration means for reconstructing processing data for processing settlement data aggregated by the period aggregation means as one transaction, any one of claims 1 to 5 Trading system described in.

1 6. The payment information management server further

A settlement amount judgment unit which judges whether the amount indicated by the settlement data exceeds a predetermined amount when the collation result of the transaction identification information in the transaction collation unit is the same; 004/075081

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The settlement amount judgment unit further

Money summarizing means for totalizing the settlement data determined to have the amount of money indicated by the settlement data not exceeding the predetermined amount until the predetermined amount of money is reached;

A transaction according to any one of claims 1 to 5, further comprising: processing data construction means for reconstituting settlement data aggregated by said amount aggregation means into processing data for processing as a single transaction. system.