WO2005122035A1 - 電子決済システム、携帯電話機、非接触icカードリーダ装置、および個人認証データ採取装置 - Google Patents
電子決済システム、携帯電話機、非接触icカードリーダ装置、および個人認証データ採取装置 Download PDFInfo
- Publication number
- WO2005122035A1 WO2005122035A1 PCT/JP2005/010753 JP2005010753W WO2005122035A1 WO 2005122035 A1 WO2005122035 A1 WO 2005122035A1 JP 2005010753 W JP2005010753 W JP 2005010753W WO 2005122035 A1 WO2005122035 A1 WO 2005122035A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- mobile phone
- personal authentication
- data
- contact
- card reader
- Prior art date
Links
Classifications
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0861—Network architectures or network communication protocols for network security for authentication of entities using biometrical features, e.g. fingerprint, retina-scan
-
- 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
-
- 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]
- G06Q20/3226—Use of secure elements separate from M-devices
-
- 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
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
-
- 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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/0873—Details of the card reader
- G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
- G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
Definitions
- the present invention relates to an electronic payment system using a mobile phone, non-contact communication, and personal authentication. Background art
- a mobile phone is equipped with a fingerprint input unit that collects fingerprint data, an IC card that has registered personal fingerprint information in advance, and a function to verify both fingerprint data, and only when the results of the two match are matched.
- a fingerprint input unit that collects fingerprint data
- an IC card that has registered personal fingerprint information in advance
- a function to verify both fingerprint data and only when the results of the two match are matched.
- the mobile phone is equipped with an IC card in which the fingerprint information of the user is registered in advance.
- a system has also been proposed in which fingerprints are collected, collated with fingerprint data transmitted from a mobile phone by non-contact communication by an automatic checker, and payment is made if the collation results match (Japanese Patent Application Laid-Open No. H08-139,028). 0 0 2-1 4 7 4 2 publication).
- fingerprint collection, collation, and settlement are performed by a mobile phone, and since fingerprint authentication is linked to a payment process, a mobile phone is used. It requires a series of many operations such as fingerprint authentication function selection and fingerprint input.
- mounting a fingerprint authentication sensor on a mobile phone is affected by the performance of the mobile phone itself due to the failure of the fingerprint authentication unit, the variation in the performance of the fingerprint authentication unit depending on the type of mobile phone, and other factors.
- fingerprint collation is performed by an automatic checker installed at a merchandise store or the like. Is transmitted from the mobile phone used by the user to the automatic checker managed by the third party, and there is a risk that fingerprint data, which is personal information, leaks from the automatic checker. Disclosure of the invention
- the present invention solves the above-mentioned problems, and performs fingerprint authentication using a fingerprint collection device installed at a store and performing fingerprint verification using a mobile phone carried by a user, thereby performing personal authentication.
- a fingerprint collection device installed at a store
- fingerprint verification using a mobile phone carried by a user
- an object of the present invention is to provide a system that can perform electronic payment with high security and excellent operability.
- the electronic payment system of the present invention includes a mobile phone equipped with a non-contact IC card means and a data collation means, a non-contact IC card reader device, and a personal authentication data collection device connected to the non-contact IC card reader device.
- the personal authentication data collection device collects personal authentication data, transmits the personal authentication data from the non-contact IC card reader device to the mobile phone, and the mobile phone stores the received personal authentication data in advance.
- the non-contact IC card reader transmits the collation result to the non-contact IC card reader device, and performs the payment processing based on the received collation result.
- the mobile phone used in the electronic settlement system of the present invention includes a communication unit that performs non-contact communication with an external device, a verification data storage unit that stores verification data, and a personal authentication data that is received through non-contact communication.
- a verification unit that verifies the verification data with the verification data; an authentication result output unit that transmits the verification result to the external device; and a transmission unit that transmits payment information in response to a payment request from the external device.
- the mobile phone used in the electronic payment system of the present invention further includes a payment information storage unit for storing payment information therein, and a display unit for displaying the stored payment information.
- a payment information storage unit for storing payment information therein
- a display unit for displaying the stored payment information.
- the mobile phone used in the electronic settlement system of the present invention is a storage medium in which the collation data storage section is detachable.
- the user can arbitrarily attach and detach data required for personal authentication, so that when a mobile phone is replaced, the trouble of re-registering personal authentication data and transferring data overnight can be saved.
- one mobile phone can be shared by multiple users.
- the data input unit to the data storage unit for collation is contactless communication.
- This configuration eliminates the need for a connection cable with the personal authentication and collection device, and allows the collation data to be input easily and safely because the collation data is input without going through a network.
- data input to the verification data storage section is performed via the connection cable.
- the personal authentication data and the verification data are fingerprints.
- the size of the collecting means of the personal authentication collecting device can be reduced, and the personal authentication data can be easily collected, whereby the personal authentication can be performed more quickly.
- the contactless IC card reader device used in the electronic payment system of the present invention includes a collection device connection unit that connects to the personal authentication data collection device, a personal authentication data storage unit that stores personal authentication data, and a mobile phone.
- a communication unit that performs contact communication, and a mobile phone It has a settlement unit that performs electronic settlement according to the result of the verification, an erasure unit that erases personal authentication data, and an external device connection unit that connects external devices.
- non-contact IC card reader device used in the electronic settlement system of the present invention is integrated with the personal authentication data collection device.
- connection interface the connection interface, transfer processing, and the like can be omitted, and space can be saved and settlement processing can be speeded up.
- the contactless IC card reader device used in the electronic payment system of the present invention encrypts personal authentication data and transmits it by contactless communication.
- the data for personal authentication is a fingerprint.
- the size of the collection means of the personal authentication collection device can be reduced, and personal authentication data can be easily collected, so that personal authentication can be performed more quickly.
- the personal authentication data collection device used in the electronic payment system of the present invention deletes the collected personal authentication data from a storage unit inside the device when outputting the personal authentication data to the mobile phone. With this configuration, the failure of the personal authentication data collection device and the removal of personal information Can prevent information leakage.
- the personal authentication data collection device used in the electronic payment system of the present invention deletes the collected personal authentication data from the storage unit inside the device in response to the payment processing completion notification from the mobile phone.
- the personal authentication data is a fingerprint.
- the size of the collecting means of the personal authentication collecting device can be reduced, and the personal authentication data can be easily collected, whereby the personal authentication can be performed more quickly.
- the collation data registered in advance in the mobile phone is not transmitted to the external device, it is possible to prevent leakage of personal information. it can.
- the personal authentication data collection device installed at the store to perform personal authentication data, the problem of unauthorized use such as remodeling of mobile phones and forgery of personal authentication data can be solved. Therefore, a simple and secure electronic payment system can be provided for both the user and the retailer.
- FIG. 1 is a system configuration diagram of an electronic settlement system according to Embodiment 1 of the present invention.
- FIG. 2 is a configuration diagram of a fingerprint collating unit of the mobile phone according to the first embodiment of the present invention. is there.
- FIG. 3A is a system configuration diagram of the personal authentication data registration method according to the first embodiment of the present invention.
- FIG. 3B is a system configuration diagram of a personal authentication data registration method using a removable storage medium according to Embodiment 1 of the present invention.
- FIG. 3C is a system configuration diagram of the personal authentication data registration method using contactless communication according to Embodiment 1 of the present invention.
- FIG. 4 is a system configuration diagram of the electronic payment system according to the first embodiment of the present invention.
- FIG. 5 is a sequence diagram in the case where the fingerprint authentication collation results in Embodiment 1 of the present invention match.
- FIG. 6 is a sequence diagram when the fingerprint authentication collation results in Embodiment 1 of the present invention do not match.
- FIG. 7 is a sequence diagram according to Embodiment 2 of the present invention. BEST MODE FOR CARRYING OUT THE INVENTION
- FIG. 1 shows an overall configuration of an electronic payment system using a mobile phone according to a first embodiment of the present invention.
- Figure 1 shows an embodiment in which a user 101 uses a mobile phone 102 with prepaid electronic money to purchase goods from a salesperson 104 at a store 103.
- a non-contact IC card reader device 105 and a fingerprint collecting device 106 as a data collection device for personal authentication are connected to the store 103, and the non-contact IC card reader device 105 is connected to a network.
- External devices connected to It has an Internet interface and is connected to financial institution servers via a network.
- the user 101 designates a prepaid charge payment with the contactless IC card reader device 105 when purchasing a product (arrow A) (arrow B).
- the contactless IC card reader device 105 instructs the fingerprint collection device 106 to collect a fingerprint (arrow C).
- the fingerprint collection device 106 transfers the fingerprint data to the non-contact IC card reader device 105 (arrow E).
- the mobile phone 102 Receive (arrow F).
- the mobile phone 102 collates the received fingerprint data with the collation fingerprint data stored in advance and transmits the collation result to the non-contact IC card reader 105 (arrow G).
- the non-contact IC card reader 105 displays the collation result (arrow H), and issues a settlement request to the mobile phone 102 based on the collation result.
- the salesperson 104 transfers the goods to the user 101 (arrow 1). As described above, users can easily and safely purchase products using electronic payment.
- a wireless transmission / reception unit, an audio processing unit, a part of a speaker, and the like are actually provided inside the mobile phone, but illustration and description are omitted.
- the means for realizing fingerprint collation of the mobile phone 102 includes a collation fingerprint data storage unit 1 serving as a collation data storage unit for storing collation fingerprint data obtained in advance, and a non-contact type.
- a non-contact IC unit 2 as a communication unit, including a reader module including a dedicated CPU, storage unit, and high-frequency circuit and a non-contact antenna for communication, and fingerprint data received by the non-contact IC unit 2 for communication.
- Fingerprint data collation unit 3 as a collation unit that analyzes and collates with an algorithm, and authentication that outputs the collation result It comprises a collation result output unit 4 as a result output unit, a control unit 5, a memory unit 6, and a display unit 7.
- the fingerprint data for verification and personal information acquired in advance may be stored in the non-contact IC unit 2.
- a non-contact IC reader / writer module is mounted on the non-contact IC section 2 of the mobile phone 102.
- the fingerprint data matching unit 3 analyzes the captured fingerprint data, extracts the fingerprint data stored in the fingerprint data storage unit 1 for comparison, and performs the matching. Do. By this comparison, it is determined whether or not the fingerprint data of the user who performs the settlement matches the fingerprint data for verification registered in the mobile phone 102.
- the verification result is transmitted from the verification result output unit 4 to the non-contact IC card reader device via the non-contact IC unit 2 as a transmission unit.
- the control unit 5 performs transmission / reception control or the like overnight, and the memory unit 6 as a payment information storage unit stores received data.
- the display unit 7 may display information related to the service used by the user, such as the result of the comparison, the balance information of the prepaid money, and the expiration date of the credit card.
- Registration requires identification, so it is performed under the security management of a telecommunications carrier. For example, when a new mobile phone is added or a model is changed, a license or other proof of identity is used to prove the identity of the subscriber or user before registering.
- the matching data to be registered may be registered along with the fingerprint data, the account number of the financial institution, the credit number, and other biometric information in accordance with the contents of the settlement system to be used.
- FIG. 3 shows a configuration of a system for registering the fingerprint data for verification from the fingerprint data collection device for verification 8 installed on the communication carrier side to the mobile phone 102 owned by the user.
- Fig. 3A shows the configuration of a system using a cable
- Fig. 3B shows the configuration of a system using a storage medium
- Fig. 3C shows the configuration of a system using non-contact communication.
- the fingerprint data collection device 8 for collation has a fingerprint collection unit 9 and an external interface unit 10 connectable to the mobile phone 102.
- the user samples a fingerprint using the fingerprint data collection device 8 for collation, and connects the mobile phone 102 to the fingerprint data collection device 8 for collation with a cable or the like.
- the collected fingerprint data is transferred from the fingerprint data collection device 8 for collation to the mobile phone 102 and stored in the fingerprint data storage unit 1 for collation.
- the fingerprint data collection device 8 for collation and the mobile phone 102 are equipped with slots 13 a and 13 b for storage media such as a memory card, respectively, and the collation collected by the fingerprint collection unit 9 is provided. Transfer the storage medium 12 storing the fingerprint data for use to the mobile phone 102. As a result, the verification data required for electronic payment can be stored in the verification fingerprint data storage unit 1 of the mobile phone 102.
- the non-contact IC unit 14 is mounted on the fingerprint data collection device 8 for verification, and the non-contact IC reader / writer module 15 is mounted on the mobile phone 102. Transfer fingerprint data to phone 1. As a result, the collation data required for electronic payment can be stored in the collation fingerprint data storage unit 1 of the mobile phone 102.
- FIG. 4 shows the internal configuration of the non-contact IC card reader according to the first embodiment of the present invention, and the flow of signals between the fingerprint collection device 106 and the mobile phone 102.
- the non-contact IC card reader 105 includes a fingerprint data storage unit 16 as a personal authentication data storage unit, a control unit 17, a non-contact IC unit 18 as a communication unit, and an external device connection unit.
- An external interface unit 19 as a storage unit and a fingerprint collection unit interface unit 20 as a collection unit connection unit are provided.
- the fingerprint data storage unit 16 temporarily stores the fingerprint data input from the fingerprint collection device 106 via the fingerprint collection device interface unit 20, and the control unit 17 stores the fingerprint data. After being encrypted, it is transmitted from the non-contact IC section 18 to the mobile phone 102.
- Fingerprint day The data is stored in the fingerprint data storage unit 16 until the settlement process is completed.
- the control unit 17 requests the mobile phone 102 to perform a payment process if the result matches, and from the mobile phone 102, Receiving the information necessary for settlement and performing settlement processing. If the result of fingerprint matching does not match, the communication is determined to be impossible and the communication is disconnected.
- the fingerprint data of the contactless card reader device 105 and the fingerprint collection device 106 is obtained by the instruction of the control unit 17 in both cases where the matching result matches or the matching result does not match. delete. That is, the control unit 17 has both a function as a settlement unit and a function as an erasure unit.
- a network is connected to the external interface unit 19 and predetermined payment information received from the mobile phone 102 is transferred. To perform settlement processing.
- the external interface unit 19 may be connected to an information terminal such as a personal computer as needed.
- the non-contact IC card reader device may be provided with a fingerprint collecting device and a processing device mounted on the fingerprint collecting device, so that the device can be integrated with the fingerprint collecting device.
- Figure 5 shows a mobile phone 1 with user 101 prepaid at a store.
- FIG. 11 is a sequence diagram showing a processing procedure when matching of fingerprint data matches when purchasing a product using 02.
- the user 101 designates the precharge charge payment with the contactless IC card reader device 105 (MlO1). Contactless when payment method is specified
- the 1C card reader device 105 instructs the fingerprint collection device 106 to perform a fingerprint collection operation (M102).
- M102 fingerprint collection operation
- the fingerprint acquisition device 106 encrypts and transfers the fingerprint data to the non-contact IC card reader device 105. Yes (M 104).
- the user 101 sets the mobile phone 102 in the non-contact operation mode (Ml 05), and connects the mobile phone 102 to the non-contact IC card reader device 105 (Ml 06).
- the non-contact IC card reader 105 transmits a communication permission to the mobile phone 102 (M107), and transmits the encrypted fingerprint data to the mobile phone 102 (Ml 08).
- the mobile phone 102 collates the received fingerprint data with a previously stored fingerprint data for verification (Ml 09). If the collation results match, a non-contact connection is made to the non-contact IC card reader device 105 (Ml 11), communication permission is granted (Ml 12), and a notification of the collation result match is issued (M 1 13) .
- Non-contact IC card reader device 105 is in a standby state until a fingerprint collation result is sent from the mobile phone 102 (Ml 10).
- Non-contact IC card reader 1
- the non-contact IC card reader 105 notifies the mobile phone 102 of the payment completion (Ml 16).
- the fingerprint collection device 106 deletes the stored fingerprint data (Ml 18). At this time, even in the non-contact IC card reader device 105, the fingerprint data inside the device is deleted (Ml 19).
- FIG. 6 is a sequence diagram showing a processing procedure when fingerprint data collation does not match.
- FIG. 6 the description of the same processing contents as in FIG. 6
- Non-contact IC card reader When detecting a mismatch in the fingerprint collation result, the device 105 disconnects the connection with the mobile phone 102 (M203). Further, the fingerprint collection device 106 is notified of the processing end (M204), and upon receiving the processing completion notification, the fingerprint collection device 106 deletes the fingerprint data (M205). At this time, even in the non-contact IC card reader device 105, the fingerprint data inside the device is erased (M206).
- the non-contact IC card reader device displays the mismatch result and deletes the collected fingerprint data.
- Non-contact communication is not disconnected.
- the non-contact IC leader device displays the fingerprint re-entry instruction to the user and instructs the fingerprint collection device to perform the fingerprint collection operation again, so that the authentication process can be continued. It is configured as follows.
- the fingerprint operation can be performed without restarting the operation of the mobile phone. Perform fingerprint collection again after seeing the re-entry instruction display. By doing so, the certification work can be continued.
- the salesperson before making a payment, the salesperson can easily confirm whether the mobile phone owned by the user operates properly. The operation of the embodiment will be described below with reference to FIG.
- FIG. 7 is a sequence diagram showing a processing procedure for a confirmation operation before settlement.
- the same processing contents as those in FIGS. 5 and 6 are denoted by the same reference numerals, and description thereof is omitted.
- the salesperson 104 collects his / her own fingerprint with the fingerprint collection device 106 (M301).
- the fingerprint collection device 106 transfers the fingerprint data of the salesperson 104 to the non-contact IC card reader 105 (M104).
- Non-contact operation mode is selected on the mobile phone 102 (Ml 05), and connected to the non-contact IC card reader 105 in a non-contact manner (Ml 06), and the fingerprint data of the salesperson 104 is received (Ml 08) .
- the mismatched verification result is transmitted to the contactless IC card reader 105 (M 202), and the non-contact 1C card reader 105 displays the collation result.
- the non-contact IC card reader 105 sends a fingerprint data deletion instruction (M302) to the fingerprint collection device 106, and the fingerprint collection device 106 deletes the stored fingerprint data (Ml 18). .
- the non-contact IC card reader 105 also erases the fingerprint data inside the device (Ml 19). Thus, the confirmation work is completed.
- the non-contact IC card reader 105 displays a fingerprint re-input instruction, and issues a fingerprint collection operation instruction (Ml 02) to the fingerprint collection unit 106. Therefore, the user 101 collects his / her own fingerprint using the fingerprint collection device 106 (Ml 03), and performs actual fingerprint authentication and payment processing. In this case, the same operation as in Fig. 5 already described It becomes.
- the electronic payment system using the mobile phone according to the present invention does not leak personal information from the mobile phone and solves the problem of unauthorized use such as remodeling of the mobile phone and forgery of authentication data. This makes it easy and secure for both stores to make electronic payments, and is useful as an electronic payment system that requires high reliability.
- using a mobile phone for personal authentication makes it possible to support various electronic payment services, eliminating the need to carry an IC card for each service, and an electronic payment system that can replace IC card payment. It is useful as
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Health & Medical Sciences (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Biomedical Technology (AREA)
- General Health & Medical Sciences (AREA)
- Computer Hardware Design (AREA)
- Computing Systems (AREA)
- General Engineering & Computer Science (AREA)
- Signal Processing (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
- Telephonic Communication Services (AREA)
- Collating Specific Patterns (AREA)
- Mobile Radio Communication Systems (AREA)
Abstract
Description
Claims
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
EP05748080A EP1768057A4 (en) | 2004-06-07 | 2005-06-07 | ELECTRONIC REGULATION SYSTEM, CELL PHONE, CONTACTLESS CARD READER AND PERSONAL IDENTIFICATION DATA SAMPLE |
US11/570,189 US20070181672A1 (en) | 2004-06-07 | 2005-06-07 | Electronic settlement system, portable telephone, noncontact ic card reader, and personal identification data sampler |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
JP2004-168197 | 2004-06-07 | ||
JP2004168197A JP2005346606A (ja) | 2004-06-07 | 2004-06-07 | 携帯電話機を用いた電子決済システム |
Publications (1)
Publication Number | Publication Date |
---|---|
WO2005122035A1 true WO2005122035A1 (ja) | 2005-12-22 |
Family
ID=35498894
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/JP2005/010753 WO2005122035A1 (ja) | 2004-06-07 | 2005-06-07 | 電子決済システム、携帯電話機、非接触icカードリーダ装置、および個人認証データ採取装置 |
Country Status (4)
Country | Link |
---|---|
US (1) | US20070181672A1 (ja) |
EP (1) | EP1768057A4 (ja) |
JP (1) | JP2005346606A (ja) |
WO (1) | WO2005122035A1 (ja) |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US11232438B2 (en) | 2012-08-23 | 2022-01-25 | Samsung Electronics Co., Ltd. | Method and system for authenticating transaction request from device |
Families Citing this family (20)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8548927B2 (en) * | 2001-07-10 | 2013-10-01 | Xatra Fund Mx, Llc | Biometric registration for facilitating an RF transaction |
JP4813109B2 (ja) * | 2005-06-30 | 2011-11-09 | 富士通株式会社 | 生体認証方法及び生体認証システム |
US7823766B1 (en) * | 2005-09-30 | 2010-11-02 | Advanced Micro Devices, Inc. | Financial transaction system |
US8224034B2 (en) | 2006-02-02 | 2012-07-17 | NL Giken Incorporated | Biometrics system, biologic information storage, and portable device |
JP5360518B2 (ja) * | 2006-02-02 | 2013-12-04 | 雅英 田中 | 生体認証システム |
JP4832159B2 (ja) * | 2006-05-18 | 2011-12-07 | 有 小山 | 携帯電話機を使った自動券売システム |
JP4843389B2 (ja) * | 2006-06-28 | 2011-12-21 | 本田技研工業株式会社 | 生体認証システム |
JP2009146049A (ja) * | 2007-12-12 | 2009-07-02 | Hitachi Omron Terminal Solutions Corp | 携帯電話を用いる決済システム及び決済方法 |
GB0725277D0 (en) * | 2007-12-28 | 2008-02-06 | Touch N Glo Ltd | Secure transaction system |
JP2011242836A (ja) * | 2010-05-14 | 2011-12-01 | Denso Wave Inc | プリペイドカード管理システム |
CN102208008B (zh) * | 2011-04-13 | 2014-12-17 | 钱袋网(北京)信息技术有限公司 | 读卡控制方法、装置、终端及系统 |
GB2504267A (en) * | 2012-07-22 | 2014-01-29 | John Michael Lowe | Human fingerprint authentication system for contactless transactions |
CN103914912A (zh) * | 2012-12-30 | 2014-07-09 | 北京握奇数据系统有限公司 | 基于音频接口读卡设备数据传输的方法和系统 |
US9436697B1 (en) * | 2013-01-08 | 2016-09-06 | Veritas Technologies Llc | Techniques for managing deduplication of data |
CN103489148A (zh) * | 2013-09-24 | 2014-01-01 | 刘茜 | 一种移动智能信息采集终端及移动信息采集对比方法 |
KR102461325B1 (ko) | 2015-10-29 | 2022-10-31 | 삼성전자주식회사 | 근거리 무선 통신을 사용하는 휴대용 생체 인증 장치 및 단말 장치 |
KR102467033B1 (ko) | 2015-10-29 | 2022-11-14 | 삼성전자주식회사 | 적층형 반도체 소자 |
KR101758575B1 (ko) | 2016-11-14 | 2017-07-26 | 이선관 | 모바일 디바이스를 이용한 금융 결제 방법 및 결제 시스템 |
JP6903980B2 (ja) * | 2017-03-23 | 2021-07-14 | 日本電気株式会社 | 認証装置、認証システム、認証方法、プログラム |
US11295311B2 (en) | 2020-06-29 | 2022-04-05 | Capital One Services, Llc | System and method for handling point of sale card rejections |
Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
JP2000215279A (ja) * | 1999-01-26 | 2000-08-04 | Hitachi Ltd | Icカ―ド決済装置 |
JP2001344544A (ja) * | 2000-06-02 | 2001-12-14 | Koji Sugano | 携帯端末およびそれを用いた電子決済システム |
JP2002358416A (ja) * | 2001-06-01 | 2002-12-13 | Matsushita Electric Ind Co Ltd | 決済システム |
JP2003271937A (ja) * | 2002-03-15 | 2003-09-26 | Matsushita Electric Ind Co Ltd | 個人認証用デバイスと携帯端末装置 |
Family Cites Families (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US7152045B2 (en) * | 1994-11-28 | 2006-12-19 | Indivos Corporation | Tokenless identification system for authorization of electronic transactions and electronic transmissions |
GB9814398D0 (en) * | 1998-07-02 | 1998-09-02 | Nokia Mobile Phones Ltd | Electronic apparatus |
KR200189514Y1 (ko) * | 2000-02-07 | 2000-07-15 | 주식회사인터넷시큐리티 | 지문 인식 기반 무전원 전자 서명 장치 |
JP2001236324A (ja) * | 2000-02-24 | 2001-08-31 | Fujitsu Ltd | バイオメトリクス情報による個人認証機能を有する携帯電子装置 |
KR100381621B1 (ko) * | 2000-06-01 | 2003-04-26 | 남현도 | 신체정보가 등록된 기록매체를 이용한 보안장치 및보안검증 방법 |
US7154375B2 (en) * | 2001-07-10 | 2006-12-26 | American Express Travel Related Services Company, Inc. | Biometric safeguard method with a fob |
-
2004
- 2004-06-07 JP JP2004168197A patent/JP2005346606A/ja active Pending
-
2005
- 2005-06-07 EP EP05748080A patent/EP1768057A4/en not_active Withdrawn
- 2005-06-07 US US11/570,189 patent/US20070181672A1/en not_active Abandoned
- 2005-06-07 WO PCT/JP2005/010753 patent/WO2005122035A1/ja not_active Application Discontinuation
Patent Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
JP2000215279A (ja) * | 1999-01-26 | 2000-08-04 | Hitachi Ltd | Icカ―ド決済装置 |
JP2001344544A (ja) * | 2000-06-02 | 2001-12-14 | Koji Sugano | 携帯端末およびそれを用いた電子決済システム |
JP2002358416A (ja) * | 2001-06-01 | 2002-12-13 | Matsushita Electric Ind Co Ltd | 決済システム |
JP2003271937A (ja) * | 2002-03-15 | 2003-09-26 | Matsushita Electric Ind Co Ltd | 個人認証用デバイスと携帯端末装置 |
Non-Patent Citations (1)
Title |
---|
See also references of EP1768057A4 * |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US11232438B2 (en) | 2012-08-23 | 2022-01-25 | Samsung Electronics Co., Ltd. | Method and system for authenticating transaction request from device |
Also Published As
Publication number | Publication date |
---|---|
EP1768057A4 (en) | 2009-06-24 |
JP2005346606A (ja) | 2005-12-15 |
US20070181672A1 (en) | 2007-08-09 |
EP1768057A1 (en) | 2007-03-28 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
WO2005122035A1 (ja) | 電子決済システム、携帯電話機、非接触icカードリーダ装置、および個人認証データ採取装置 | |
CA2651821C (en) | System and method for activating telephone-based payment instrument | |
US20180374092A1 (en) | System and method for secure transactions at a mobile device | |
US7424732B2 (en) | Card settlement method and system using mobile information terminal | |
US20140214673A1 (en) | Method for authentication using biometric data for mobile device e-commerce transactions | |
US20060032905A1 (en) | Smart card network interface device | |
RU2651245C2 (ru) | Защищенный электронный блок для санкционирования транзакции | |
US20090150248A1 (en) | System for enhancing payment security, method thereof and payment center | |
US20070206743A1 (en) | System and method for facilitating transaction over a communication network | |
KR20020078989A (ko) | 휴대단말기를 이용한 신용카드 거래인증 시스템 및 그 방법 | |
US20050177484A1 (en) | Audio-equipped transaction card systems and approaches | |
WO2005073934A1 (en) | Method and system for authenticating credit transactions | |
KR20070047264A (ko) | 모바일 상거래용 휴대전화기에서 고객 비밀번호를 인증하고전달하는 핀 애플릿 | |
JP2001344544A (ja) | 携帯端末およびそれを用いた電子決済システム | |
JP2004199269A (ja) | 携帯端末によるクレジット決済システムおよび方法、クレジット決済サーバ、並びにプログラム | |
KR20090021887A (ko) | 아이디카드와 스마트 칩 내장 휴대 전화를 같이 사용하는결제 방법 및 시스템 | |
KR101623972B1 (ko) | 가맹점의 고유코드를 이용한 결제 시스템 | |
KR20040075159A (ko) | 카드 결제 인증 방법 및 시스템 | |
EP2881908A1 (en) | NFC top-up | |
JP2007257059A (ja) | 認証システム | |
CN115796859A (zh) | 一种基于nfc支付的方法、系统及存储介质 | |
KR20200020442A (ko) | 결제 금액 설정이 가능한 카드 결제 시스템, 서버 및 방법 | |
KR20070118462A (ko) | 집적회로 카드의 원격연결 응용서비스 방법 및 시스템 | |
KR20100026596A (ko) | 결제승인내역에 대응하는 음성출력 기능이 구비된 결제단말과 결제승인내역에 대응하는 음성출력 서비스 제공방법 및 시스템과 이를 위한 프로그램 기록매체 | |
KR20100042717A (ko) | 결제단말을 이용한 현금서비스 처리 방법 및 시스템과 현금서비스 처리 기능이 구비된 결제단말 |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
AK | Designated states |
Kind code of ref document: A1 Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BW BY BZ CA CH CN CO CR CU CZ DE DK DM DZ EC EE EG ES FI GB GD GE GH GM HR HU ID IL IN IS KE KG KM KP KR KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX MZ NA NG NI NO NZ OM PG PH PL PT RO RU SC SD SE SG SK SL SM SY TJ TM TN TR TT TZ UA UG US UZ VC VN YU ZA ZM ZW |
|
AL | Designated countries for regional patents |
Kind code of ref document: A1 Designated state(s): GM KE LS MW MZ NA SD SL SZ TZ UG ZM ZW AM AZ BY KG KZ MD RU TJ TM AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HU IE IS IT LT LU MC NL PL PT RO SE SI SK TR BF BJ CF CG CI CM GA GN GQ GW ML MR NE SN TD TG |
|
121 | Ep: the epo has been informed by wipo that ep was designated in this application | ||
WWE | Wipo information: entry into national phase |
Ref document number: 2005748080 Country of ref document: EP |
|
WWE | Wipo information: entry into national phase |
Ref document number: 11570189 Country of ref document: US Ref document number: 2007181672 Country of ref document: US |
|
NENP | Non-entry into the national phase |
Ref country code: DE |
|
WWW | Wipo information: withdrawn in national office |
Country of ref document: DE |
|
WWP | Wipo information: published in national office |
Ref document number: 2005748080 Country of ref document: EP |
|
WWP | Wipo information: published in national office |
Ref document number: 11570189 Country of ref document: US |