WO2004075081A1 - Systeme de reglements pour le commerce mobile sur le net - Google Patents

Systeme de reglements pour le commerce mobile sur le net Download PDF

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Publication number
WO2004075081A1
WO2004075081A1 PCT/JP2003/011234 JP0311234W WO2004075081A1 WO 2004075081 A1 WO2004075081 A1 WO 2004075081A1 JP 0311234 W JP0311234 W JP 0311234W WO 2004075081 A1 WO2004075081 A1 WO 2004075081A1
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WO
WIPO (PCT)
Prior art keywords
transaction
data
settlement
availability
unit
Prior art date
Application number
PCT/JP2003/011234
Other languages
English (en)
Japanese (ja)
Inventor
Michiko Kakuta
Original Assignee
Source Japan Co., Ltd.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Source Japan Co., Ltd. filed Critical Source Japan Co., Ltd.
Priority to AU2003261898A priority Critical patent/AU2003261898A1/en
Priority to JP2004568507A priority patent/JPWO2004075081A1/ja
Publication of WO2004075081A1 publication Critical patent/WO2004075081A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]

Definitions

  • 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.
  • 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.
  • There is a “mobile phone credit settlement method” see Patent Document 1).
  • 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.
  • 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.
  • 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.
  • POS terminal or transaction server POS terminal or transaction server
  • 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.
  • 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.
  • 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
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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).
  • the settlement information management server 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.
  • 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.
  • 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.
  • 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
  • a 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.
  • “Trading data” is data that includes scheduled trading amounts.
  • 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.
  • 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.
  • the transaction availability data described later also includes scheduled transaction identification information on the A commodity.
  • 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.
  • 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.
  • 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.
  • mobile terminal device identification information is information for identifying a mobile terminal device, in addition to the scheduled transaction amount.
  • 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.
  • 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.
  • 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.
  • “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).
  • 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).
  • 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.
  • 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.
  • 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.
  • 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.
  • trading data is data that includes trading availability.
  • the transaction availability data includes transaction identification information that can be decrypted only at the settlement information management server described above.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • the transaction availability data generation unit 0 22 2 generates transaction availability data based on the received transaction data.
  • 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').
  • transaction identification information may mean information associated with the transaction availability data (case: B).
  • 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 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • the transaction execution data can also contain the mobile terminal identification information, the user account information, etc.
  • 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.
  • 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.
  • 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.
  • 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
  • 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.
  • the transaction execution data is data that indicates the availability of a transaction, similar to the aforementioned transaction availability data, and, for example,
  • 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.
  • 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”.
  • the information relating to the amount of money included in the settlement data is only “the amount to be settled”.
  • 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.
  • 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.
  • 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.
  • IR FM infrared communication
  • RF contactless
  • 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.
  • the terminal device used by the user is not limited to the “portable” type, but may be the “fixed type” type.
  • 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.
  • 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).
  • the POS terminal or a transaction server described later.
  • delivery information etc. of the product in the transaction execution data.
  • 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.
  • 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.
  • PDA wireless terminal device
  • 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.
  • IR FM etc. infrared telecommunication
  • RF contactless
  • 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.
  • 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.) .
  • the settlement data includes the transaction identification information which is decipherably encrypted only by the settlement information management server.
  • “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.
  • 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.
  • 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
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • “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.
  • 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.
  • 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.
  • the information necessary for the processing for the “decision” associated with the portable terminal device identification information is 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).
  • 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.
  • 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.
  • 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.
  • 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.
  • the “settable limit amount” may be specified based on the information (transaction data etc.) associated with the transaction availability data.
  • 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.
  • 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.
  • the transaction availability data stored in the information storage unit 0 2 2 6 corresponds.
  • 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.
  • 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.
  • the transaction matching unit compares the transaction identification information in the encrypted state, and compares the transaction availability data with the transaction availability data.
  • 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.
  • 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.
  • 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
  • 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.
  • 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.
  • 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.
  • 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.
  • step S 0 3 0 transmits the transaction data including the planned transaction amount (transaction data transmission step S 0 3 0 1).
  • transaction data transmission step S 0 3 0 transmits the transaction data including the planned transaction amount (transaction data transmission 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).
  • 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).
  • the transaction execution data generated in step S 0 3 0 3 is transmitted to the POS terminal (transaction execution data transmission 200
  • step S 0 4 0 acquire transaction execution data (transaction execution data acquisition step S 0 4 0 1).
  • settlement data which is data for settlement, is generated based on the transaction execution data acquired in step ⁇ ⁇ ⁇ ⁇ 401 (step S 04 0 2).
  • 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).
  • transaction data reception step S 0 5 0 receive transaction data including the planned transaction amount (transaction data reception step S 0 5 0 1).
  • 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).
  • the transaction availability data generated in step S 0 5 0 2 is transmitted (trading availability data transmission step S 0 5 0 3).
  • 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).
  • step S 0 5 0 2 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).
  • step S 0 6 0 Send the transaction data including the planned transaction amount (transaction data transmission step S 0 6 0 1).
  • transaction data transmitted in step S 0 6 0 1 is received (transaction data receiving step SO 6 0 2).
  • 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).
  • the transaction availability data generated in step S 0 6 0 3 is transmitted (transaction availability data transmission step S 0 6 0 4).
  • 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).
  • 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).
  • step S 0 6 1 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>
  • 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.
  • 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.
  • 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.
  • 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.
  • 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 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.
  • 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.
  • 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.
  • Processing data is data reconstructed to process the settlement data aggregated as described above as one transaction.
  • the processing data indicates the total amount of “amount to be settled” shown in each aggregated settlement data.
  • the processing data is reconstructed as data for settlement of ⁇ 1200, which is the total amount indicated by data A, B, and C.
  • the processing for settlement of “1 200 yen J can be performed as one transaction.
  • 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.
  • 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.
  • transaction data reception step S 0 9 0 receive transaction data including the planned amount j (transaction data reception step S 0 9 0 1).
  • the transaction availability data including the availability of the transaction is generated (trading availability data generation step S 0 90 2).
  • the transaction availability data generated in step S 0 902 is transmitted (transaction availability data transmission step S 0 9 0 3).
  • 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).
  • 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).
  • 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.
  • 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.
  • CAFIS registered trademark
  • the transaction system of the present invention 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.
  • 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.
  • 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.
  • 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.
  • (1) Users of credit cards and the like are expected to pay a certain amount (for example, 0 ⁇ 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • an example of a specific example of generating a plurality of transaction execution data based on one transaction availability data will be described.
  • the “remaining available transaction 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.
  • the transaction availability data is data indicating that “the transaction amount of ⁇ 200 can be settled with Credit System X”, etc. as an example.
  • "transaction execution data A indicating that the amount to be settled is 800 yen” is generated.
  • 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).
  • 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”.
  • the remaining tradable money amount information A is updated to “The remaining tradable money amount information B indicating the maximum amount of settlement ⁇ 500”.
  • 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.
  • 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.
  • 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.
  • the mobile terminal device may receive from 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.
  • 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.
  • 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.
  • 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.
  • the disadvantage of the prepaid card application type is that it takes time and effort to purchase in advance at convenience stores.
  • the disadvantage of the credit card application type is the possibility of leakage of personal information and the inability to secure anonymity of payment.
  • the “demerit of deposit currency usage type” is that the settleable amount is limited to the deposit amount.
  • 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.
  • 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.
  • 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
  • step S 1 4 0 3 Generate transaction execution data that indicates an amount that does not meet the functional limit (the amount to settle).
  • the transaction execution data generated in step S 1403 is transmitted to the POS terminal (transaction execution data transmission step S 140 4).
  • 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).
  • the process for settling the purchase price of the product can be simplified, not necessarily limited to the user's deposit amount.
  • processing for settlement of interpersonal transactions can be simplified.
  • 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 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.
  • IC card chip-type electronic device
  • 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).
  • IC card chip-type electronic device
  • 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).
  • 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 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.
  • the IC card (chip-type electronic device) could also be used in place of a credit card.
  • IC cards are widely used in systems for so-called settlement (transactions), such as the settlement of train fares.
  • settlement transactions
  • S U I C A registered trademark
  • J R East West Japan
  • 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.
  • the chip-type electronic device is a card type, it is convenient because the user can store it in a wallet and carry it.
  • 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.
  • 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 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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
  • 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).
  • 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.
  • the chip-type electronic device may be provided with a function (chip-type electronic device storage unit) for storing the transaction execution data.
  • 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.
  • 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 ⁇ 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.
  • contact type IC card There is a "remote IC card”, but the chip-type electronic device uses any type of IC card. It may be
  • 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).
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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).
  • the information storage of the payment information management server is performed.
  • “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.
  • the transaction data may include the chip-type electronic device identification information.
  • 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).
  • 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.
  • transaction execution data transmission step S 0 7 0 transmits the transaction data including the planned transaction amount (transaction data transmission step S 0 7 0 1).
  • 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).
  • 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).
  • 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).
  • 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).
  • 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).
  • RF contactless
  • 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).
  • a dedicated chip-type electronic device such as an IC card
  • portability is more convenient than so-called mobile phones and the like.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Mobile Radio Communication Systems (AREA)

Abstract

L'invention concerne une structure de paiement capable de réduire la charge d'un magasin grâce à l'utilisation d'une structure de paiement à crédit existante ainsi que d'assurer la sécurité. Un serveur de gestion d'informations sur les règlements (0220) communique avec une société de crédit, communique avec un client (en fonction du crédit, des données sur la transaction activée / désactivée contenant des informations sur l'identification autres que le numéro de carte sont transmises à un téléphone mobile (0200)), et communique ensuite avec un magasin (les données de transaction sont reçues d'un terminal POS (0210) qui est en liaison radio avec le téléphone mobile, et les informations sont comparées). Une transaction avec une société de crédit peut se présenter comme une base de totaux accumulée périodiquement. Les données sur la transaction activée / désactivée peuvent aussi être une base total / balance (monnaie électronique). Au lieu d'un téléphone mobile, il est également possible d'utiliser une carte sans contact (avec un PC).
PCT/JP2003/011234 2003-02-20 2003-09-03 Systeme de reglements pour le commerce mobile sur le net WO2004075081A1 (fr)

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AU2003261898A AU2003261898A1 (en) 2003-02-20 2003-09-03 Mobile net commerce settlement system
JP2004568507A JPWO2004075081A1 (ja) 2003-02-20 2003-09-03 モバイル・ネットコマース決済システム

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