WO2010134135A1

WO2010134135A1 - Payment system

Info

Publication number: WO2010134135A1
Application number: PCT/JP2009/002632
Authority: WO
Inventors: 木村康行
Original assignee: 株式会社日本コンラックス
Priority date: 2009-05-19
Filing date: 2009-06-10
Publication date: 2010-11-25

Abstract

A payment system provided with a payment device which performs payment with electronic money and a portable noncontact IC card case into which a noncontact IC card containing payment information to be used for the payment can be inserted. The card case is provided with an antenna for the noncontact IC card communicable with the inserted noncontact IC card, a first antenna for human body communication communicable with the payment device, and a control means which when the noncontact IC card is inserted, transmits to the payment device through the first antenna for human body communication, payment information read from the inserted noncontact IC card through the antenna for the noncontact IC card. The payment device is provided with a second antenna for human body communication which is communicable with the first antenna for human body communication and a payment means which performs payment on the basis of the payment information which the second antenna for human body communication received from the card case. An electrode plane of the first antenna for human body communication is disposed so as to overlap a radiation plane of the antenna for the noncontact IC card and comprises an opening section which exposes the radiation plane and a cut which reaches from the opening section to the periphery of the electrode plane.

Description

Payment system

The present invention relates to a payment system, and more particularly to a payment system using a portable non-contact IC card case that reads information from a non-contact IC card and transmits it to the outside by human body communication.

Today, a payment system using a contactless IC card storing electronic money has become common as a payment system for electronic money. For example, Patent Document 1 discloses a technology for performing communication between a vending machine and a non-contact IC card by a customer holding the non-contact IC card over a vending machine having a non-contact IC card antenna. Has been proposed. Patent Document 2 proposes an electronic payment system for a vending machine using human body communication using a human body as a communication path. In this electronic payment system, a customer who possesses a human body communication device storing electronic money holds his / her hand over the human body communication antenna of the payment device mounted on the vending machine, so that the human body communication device and the payment device are connected. Communicate and settle between.

Further, Patent Document 3 proposes an information processing apparatus that communicates with a non-contact IC card and communicates with an external human body communication apparatus via human body communication. The information processing apparatus includes a non-contact IC reading / writing device having a non-contact IC card antenna for communicating with a non-contact IC card, and a human body communication device having a human body communication antenna for communicating by human body communication. . However, in the case of such an information processing apparatus, when the non-contact IC card antenna and the human body communication antenna are arranged to overlap, the magnetic field generated by the non-contact IC card antenna is blocked or absorbed by the human body communication antenna. As a result, the non-contact IC card antenna and the non-contact IC card cannot communicate well. Therefore, since it is necessary to dispose the human body communication antenna and the non-contact IC card antenna separately, it is difficult to downsize the information processing apparatus.

On the other hand, in Patent Document 4, a slit is provided in the antenna of a communication device used for human body communication, so that even if the card type device used in the RF-ID system overlaps the communication device, A technique for suppressing the shielding of communication has been proposed. However, when the human body communication antenna is simply provided with a slit, the human body communication antenna forms a closed circuit, so that electromagnetic induction occurs and the RF-ID system magnetic field is absorbed by the antenna of the human body communication device. Therefore, good communication with the non-contact IC card cannot be performed. A configuration in which a plurality of antennas of a communication device are arranged has also been proposed. When a plurality of antennas are arranged in this way, wiring and the like for connecting the plurality of antennas are required, which complicates the configuration and hinders downsizing.

JP 2004-30393 A JP 2004-145873 A JP 2006-352318 A JP 2009-33610 A

The present invention provides a payment system using a portable non-contact IC card holder in which a non-contact IC card is inserted so that the user can make a payment without taking out the non-contact IC card and holding it over the payment apparatus. The purpose is to do. Furthermore, an object of the present invention is to reduce the size of the portable non-contact IC card compartment used in the settlement system.

In view of the above problems, a payment system according to an embodiment of the present invention includes a payment device that performs payment using electronic money and a portable non-contact IC card that can store a contactless IC card that stores payment information used for the payment. A payment system comprising a contact IC card case, wherein the portable non-contact IC card case is a non-contact IC card antenna capable of communicating with an inserted non-contact IC card and a communication device capable of communicating with the payment device. The payment information read from the inserted non-contact IC card via the non-contact IC card antenna when the non-contact IC card is inserted into the first human body communication antenna; Control means for transmitting to the settlement apparatus via the human body communication antenna, wherein the settlement apparatus communicates with the first human body communication antenna. And an electrode surface of the first human body communication antenna, the second human body communication antenna including a settlement means for performing settlement based on the settlement information received from the portable contactless IC card holder. Is disposed so as to overlap the radiation surface of the non-contact IC card antenna, and has an opening that exposes the radiation surface, and a notch that reaches the outer periphery of the electrode surface from the opening. To do.

A payment system according to another embodiment of the present invention includes a payment apparatus that performs payment using electronic money, and a portable non-contact IC card slot into which a non-contact IC card that stores payment information used for the payment can be inserted. The portable non-contact IC card holder includes a non-contact IC card antenna capable of communicating with an inserted non-contact IC card, and a first human body communication antenna capable of communicating with the settlement apparatus. And when the contactless IC card is inserted, the settlement information read from the inserted contactless IC card via the contactless IC card antenna is transferred to the first human body communication antenna. Control means for transmitting to the settlement apparatus via the settlement apparatus, wherein the settlement apparatus is capable of communicating with the first human body communication antenna, the second human body communication antenna, Payment means based on the payment information received from the portable contactless IC card holder, the electrode surface of the first human body communication antenna is annular, It is arranged around the radiation surface of the non-contact IC card antenna and has a notch reaching from the inner periphery to the outer periphery.

According to the present invention, there is provided a settlement system that enables settlement even when a user takes out a non-contact IC card and holds it over a settlement apparatus. Furthermore, according to the present invention, it is possible to reduce the size of the portable non-contact IC card compartment used in the payment system, thereby improving portability and expanding user convenience.

, It is a figure explaining an example of portable non-contact IC card case 100 concerning the embodiment of the present invention. , , It is a figure explaining one Example of the integrated antenna 200 which concerns on embodiment of this invention. , It is a figure explaining another Example of the integrated antenna which concerns on embodiment of this invention. It is a figure explaining another Example of the integrated antenna which concerns on embodiment of this invention. It is a figure explaining another Example of the integrated antenna which concerns on embodiment of this invention. It is a figure explaining another Example of the integrated antenna which concerns on embodiment of this invention. It is a figure explaining an example of the functional block diagram of the portable non-contact IC card case 100 which concerns on embodiment of this invention. It is a figure explaining an example of the functional block diagram of the payment apparatus 800 which concerns on embodiment of this invention. It is an Example of the payment system which concerns on embodiment of this invention. It is another Example of the payment system which concerns on embodiment of this invention. It is a sequence diagram explaining an example of operation | movement of the payment system which concerns on embodiment of this invention.

Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings. 1A and 1B are diagrams illustrating an example of a portable non-contact IC card slot 100 included in the settlement system according to the embodiment of the present invention. FIG. 1A is an overall view of a portable non-contact IC card case 100, and FIG. 1B is a view of the portable non-contact IC card case 100 cut away.

The portable non-contact IC card slot 100 includes a card insertion slot 102 in a part of the casing 101. The portable non-contact IC card compartment 100 includes a slot 110, an electrode plate 111, a substrate 112, and a control unit 113 inside a housing 101. The slot 110 stores a non-contact IC card inserted from the card insertion slot 102. The control unit 113 is composed of, for example, an IC or an LSI, and controls the entire portable non-contact IC card slot 100.

2A to 2C are configuration diagrams illustrating the electrode plate 111 and the substrate 112 according to the present embodiment. Hereinafter, the electrode plate 111 and the substrate 112 are collectively referred to as an integrated antenna 200. 2A is a diagram illustrating an overall view of the integrated antenna 200, FIG. 2B is a diagram focusing on the substrate 112, and FIG. 2C is a diagram focusing on the electrode plate 111. Both figures are observed from the same direction. In the integrated antenna 200, a surface material (not shown) may be further disposed so as to overlap the electrode plate 111. The surface material is made of, for example, an insulator.

The substrate 112 includes an antenna coil 210. The antenna coil 210 is made of, for example, copper wire or copper foil, and is disposed on the surface of the substrate 112. A region including the antenna coil 210 on the surface of the substrate 112 is referred to as a radiation surface 211. In the example of the integrated antenna 200 shown in FIGS. 2A to 2C, the surface of the substrate 112 and the radiation surface 211 coincide. In FIG. 2B, the radiation surface 211 is an area surrounded by a broken line. For the sake of easy viewing, the outer periphery of the substrate 112 and the outer periphery of the radiation surface 211 are displayed in a shifted manner. The control unit 113 causes the substrate 112 to function as a non-contact IC card antenna by causing a current to flow through the antenna coil 210 and generating the magnetic field 201 from the radiation surface 211. When a non-contact IC card is inserted, electric power is transmitted from the radiation surface 211 to the non-contact IC card by the magnetic field 201, whereby data is transmitted and received between the control unit 113 and the inserted non-contact IC card.

The electrode plate 111 is configured by sandwiching an insulator between conductors such as a copper plate. The electrode plate 111 of the integrated antenna 200 receives an electric field generated according to data by a settlement apparatus 800 described later via a medium such as a human body, and transmits the electric field to the control unit 113 via, for example, a lead wire (not shown). On the other hand, the control unit 113 transmits data to the settlement apparatus 800 by generating an electric field corresponding to information transmitted to the electrode plate 111. In this way, the settlement apparatus 800 and the control unit 113 transmit / receive data via the integrated antenna 200.

The electrode plate 111 is disposed so as to be superimposed on the radiation surface 211 of the substrate 112. The electrode plate 111 has an opening 221. Furthermore, the electrode plate 111 has a notch 223 that reaches the outer periphery 222 of the electrode plate 111 from the opening 221. A part of the radiation surface 211 of the substrate 112 is exposed by the opening 221 and the notch 223. Therefore, the magnetic field 201 generated from the exposed radiation surface 211 is not shielded by the electrode plate 111 and is stored above the integrated antenna 200 (that is, toward the electrode plate 111 in the integrated antenna 200). It becomes possible to communicate with. Furthermore, since the integrated antenna 200 has the notches 223 in the electrode plate 111, there is no closed circuit surrounding the magnetic field 201 generated by the radiation surface 211 in the electrode plate 111. Therefore, since the electrode plate 111 does not generate electromagnetic induction by the magnetic field 201 generated by the radiation surface 211, it is possible to prevent the electrode plate 111 from absorbing the magnetic field 201 generated by the radiation surface 211. Accordingly, the electromagnetic induction coupling between the radiation surface 211 and the non-contact IC card is not hindered by the electrode plate 111 functioning as a human body communication antenna.

2A to 2C describe the integrated antenna 200 in which the outer periphery of the electrode plate 111 and the outer periphery of the radiation surface 211 have substantially the same shape, but the integrated antenna is not limited to this. Another embodiment of the integrated antenna will be described with reference to FIGS. 3A and 3B. For the sake of clarity, the antenna coil is omitted in the following drawings, and only the radiation surface is described.

The integrated antenna 300 shown in FIG. 3A is configured such that the entire surface of the electrode plate 310 overlaps a part of the radiation surface 321 on the substrate 320. In other words, the electrode plate 310 is completely included in the radiation surface 321. In addition, the integrated antenna 350 illustrated in FIG. 3B is configured such that a part of the electrode plate 360 overlaps with a part of the radiation surface 371 on the substrate 370. In other words, the electrode plate 360 is arranged so as to be shifted from the radiation surface 371.

Of course, the number of openings in the electrode plate is not limited to one. For example, the electrode plate 401 of the integrated antenna 400 shown in FIG. 4 has three openings 402A to 402C and three notches 403A to 403C corresponding to the openings 402A to 402C, respectively. Thus, the widths of the cuts 403A to 403C may be equal to the widths of the openings 402A to 402C.

In the above embodiment, the integrated antenna in which the electrode plate and the radiation surface overlap is described. However, like the integrated antenna 500 illustrated in FIG. 5, the electrode plate 510 may be disposed so as to surround the radiation surface 521. In the integrated antenna 500, an annular electrode plate 510 is disposed around the radiation surface 521. The electrode plate 510 has a cut 511 that reaches from the inner periphery to the outer periphery. Therefore, in the electrode plate 510, there is no closed circuit surrounding the magnetic field 530 generated by the radiation surface 521. Therefore, since the electrode plate 510 does not generate electromagnetic induction with respect to the magnetic field 530 generated by the radiation surface 521, the electrode plate 510 can be prevented from absorbing the magnetic field generated by the radiation surface 521. . Therefore, also in the integrated antenna 500 illustrated in FIG. 5, the electrode plate 510 functioning as a human body communication antenna does not hinder electromagnetic induction coupling between the radiation surface 521 and the non-contact IC card.

Note that the integrated antenna 500 shown in FIG. 5 includes an electrode plate 510 and a radiation surface 521 on a single substrate 520. However, like the integrated antenna 600 illustrated in FIG. 6, the substrate 610 on which the electrode plate 611 is formed and the substrate 620 on which the radiation surface 621 is formed may be separately formed and fitted.

In the above embodiment, the electrode plate is disposed on the side having the radiation surface of the substrate. However, the electrode plate may be disposed on the side having no radiation surface. That is, in one substrate, an electrode plate for a human body communication antenna may be formed on one surface, and an antenna coil for a non-contact IC card may be formed on the other surface. Furthermore, when the integrated antenna is formed of a multilayer substrate, the electrode plate and the radiation surface may be formed in different layers.

Furthermore, although the electrode plate 111 is located between the slot 110 and the substrate 112, the positions of the electrode plate 111 and the substrate 112 may be interchanged, and the slot 110 is located between the electrode plate 111 and the substrate 112. Alternatively, the substrate 112 may be positioned between the slot 110 and the electrode plate 111. Preferably, in order to reduce the thickness of the portable non-contact IC card case 100, the electrode plate 111 and the substrate 112 are disposed adjacent to each other.

That is, by providing the electrode plate 111 with an opening and a notch reaching the outer periphery of the electrode plate 111 from the opening, absorption of the magnetic field 201 generated by the substrate 112 by the electrode plate 111 can be suppressed, and as a result, the substrate Communication between 112 and the non-contact IC card is improved.

Subsequently, an example of a functional block diagram of the portable non-contact IC card slot 100 will be described with reference to FIG. The control unit 113 included in the portable non-contact IC card slot 100 includes a CPU 701, a memory 702, a non-contact IC card communication module 703, and a human body communication module 704.

The CPU 701 controls the entire portable non-contact IC card slot 100. The memory 702 stores a control program, temporary data, and the like for the portable contactless IC card holder 100, and is configured by, for example, a ROM or a RAM. The non-contact IC card communication module 703 controls the non-contact IC card antenna 711 to communicate with the non-contact IC card inserted into the slot 110. As described above, the substrate 112 functions as the non-contact IC card antenna 711. The human body communication module 704 controls the human body communication antenna 712 to communicate with the settlement apparatus 800. As described above, the electrode plate 111 functions as the human body communication antenna 712.

The control unit 113 transmits information read from the non-contact IC card via the non-contact IC card antenna 711 to the settlement apparatus 800 via the human body communication antenna 712. In addition to or instead of this, the control unit 113 may write the information received from the settlement apparatus 800 via the human body communication antenna 712 to the noncontact IC card via the noncontact IC card antenna 711. Good.

Subsequently, the settlement apparatus 800 will be described with reference to FIG. FIG. 8 is a diagram illustrating an example of a functional block diagram of a payment apparatus 800 included in the payment system according to the embodiment of the present invention. The settlement apparatus 800 is used together with an apparatus that requests settlement using electronic money, such as a vending machine or a POS register. Payment apparatus 800 includes a human body communication antenna unit 801 and a payment unit 802.

The human body communication antenna unit 801 is composed of, for example, an electrode plate in which an insulator is sandwiched between conductors such as a copper plate. Since it is not necessary to mount the antenna unit for non-contact IC card in the settlement apparatus 800, the electrode plate included in the human body communication antenna unit 801 may have any shape. The settlement unit 802 includes a CPU 803, a memory 804, and a human body communication module 805, and processes settlement using electronic money. The CPU 803 controls the entire payment apparatus 800. The memory 804 stores a control program for the settlement apparatus 800, temporary data, and the like, and includes, for example, a ROM, a RAM, and the like. The human body communication module 805 controls the human body communication antenna unit 801 to communicate with the portable non-contact IC card slot 100.

Subsequently, a configuration example of the payment system will be described with reference to FIG. FIG. 9 shows an example of the payment system according to the embodiment of the present invention. In this embodiment, the settlement apparatus 800 is mounted on the vending machine 900. A user 901 who intends to purchase a product of the vending machine 900 carries a portable non-contact IC card slot 100 in order to make a payment with electronic money. For example, the user 901 puts the portable non-contact IC card holder 100 in a shirt pocket. Further, prior to the settlement, the user 901 inserts a non-contact IC card 902 storing settlement information described later into the portable non-contact IC card slot 100. Then, the user 901 makes a payment with electronic money by placing his hand over the human body communication antenna unit 801 of the payment apparatus 800.

Electronic money used for settlement may be prepaid or postpaid. In the case of prepaid electronic money, the balance of electronic money is stored in the contactless IC card 902 as payment information. In the case of post-pay type electronic money, a card number, an expiration date, and the like are stored in the contactless IC card 902 as settlement information. In the present specification, data necessary for making such a payment is referred to as payment information.

The device used together with the settlement device 800 is not limited to the vending machine 900. For example, as shown in FIG. 10, the settlement apparatus 800 may be connected to the POS register 1000. FIG. 10 shows another example of the payment system according to the embodiment of the present invention. Also in this embodiment, the user 901 carries the portable non-contact IC card holder 100 in order to make a payment with electronic money. The user 901 who has confirmed the amount displayed in the POS register 1000 makes a payment with electronic money by holding his / her hand over the human body communication antenna unit 801 of the payment apparatus 800.

Finally, the operation of the payment system will be described with reference to FIG. FIG. 11 is a sequence diagram for explaining an example of the operation of the payment system according to the present embodiment. In the configuration of the payment system in FIG. 9, the vending machine, the payment device mounted on the vending machine, and the portable It is a figure explaining the payment processing of the prepaid type electronic money by a contact IC card case and the non-contact IC card put in the portable non-contact IC card case. This operation is executed by the

CPUs

701 and 803 of the portable non-contact IC card holder 100 and the settlement apparatus 800 processing the programs stored in the

memories

702 and 804, respectively.

This settlement process is performed when, for example, a user 901 possessing a portable non-contact IC card containing a non-contact IC card storing electronic money selects a product by pressing a product selection button of the vending machine 900. When the settlement unit 802 of the settlement apparatus 800 receives a settlement amount request from the vending machine 800, the process starts.

In step S1101, the vending machine 900 designated by the user 901 as a product (for example, canned coffee) notifies the settlement apparatus 800 of the settlement amount (for example, 100 yen). In step S1102, the settlement unit 802 of the settlement apparatus 800 stores the balance information (settlement of electronic money) stored in the contactless IC card held by the user via the human body communication with respect to the portable contactless IC card slot 100. Information). In step S1103, the control unit 113 of the portable non-contact IC card slot 100 inquires of the inserted non-contact IC card 902 about balance information through the non-contact IC card antenna 711. In step S1104, the non-contact IC card 902 transmits the requested balance information to the non-contact IC card slot 100. In step S1105, the control unit 113 of the portable non-contact IC card slot 100 transmits balance information to the settlement apparatus 800 via human body communication. In step S1106, the settlement unit 802 of the settlement apparatus 800 reduces the settlement amount, which is the price of the product, from the received balance information. In steps S1104 to S1106, the settlement apparatus 800 receives the card number and expiration date information as information for authenticating the validity of the contactless IC card 902 together with the balance information from the contactless IC card 902, After 802 authenticates the non-contact IC card 902, the next payment information step may be executed.

In step S1107, the settlement unit 802 of the settlement apparatus 800 transmits an instruction to update the balance information reduced to the portable non-contact IC card holder 100 of the user 901 via human body communication. In step S1108, the control unit 113 of the portable non-contact IC card slot 100 transmits a balance information update instruction to the inserted non-contact IC card 902 through the non-contact IC card antenna 711. In step S1109, the contactless IC card 902 updates the balance information requested in step S1108. In step S1110, the contactless IC card 902 notifies the portable contactless IC card holder 100 of the completion of the update. In step S <b> 1111, the control unit 113 of the portable non-contact IC card slot 100 transmits update completion to the settlement apparatus 800 via human body communication. Accordingly, the settlement unit 802 of the settlement apparatus 800 completes the settlement process by receiving the update completion notification.

In step S1112, the settlement apparatus 800 notifies the vending machine 900 of the settlement result. When the payment is normally completed, the vending machine 900 pays out the product selected by the user 901. When the process ends abnormally, the vending machine 900 presents the fact to the user 901.

In the settlement process of FIG. 11, the settlement process with the portable non-contact IC card slot 100 containing the non-contact IC card 902 storing the electronic money has been described. However, the present invention is a non-contact type of post-pay type electronic money. The present invention can also be applied to settlement processing (post-pay electronic money settlement processing) in a state where an IC card is placed in a non-contact IC card. In payment processing using a non-contact IC card for post-pay electronic money, the payment unit 802 of the payment apparatus 800 acquires and authenticates authentication information (card number and expiration date information) stored in the non-contact IC card for post-pay electronic money. This completes the payment process. At the time of this authentication, the settlement unit 802 of the settlement apparatus 800 may access the credit card company server or the like for authentication.

As described above, according to the present embodiment, a user of a vending machine that makes payment using electronic money can make a payment by simply holding the hand over the payment apparatus without taking out a non-contact IC card. It becomes. Furthermore, the portable non-contact IC card holder 100 that communicates with the settlement apparatus 800 can be reduced in size.

DESCRIPTION OF SYMBOLS 100 Portable non-contact IC card slot 101 Case 102 Card insertion slot 110 Slot 111 Electrode plate 112 Board | substrate 113 Control part 200 Integrated antenna 201 Magnetic field 210 Antenna coil 211 Radiation surface 221 Opening part 222 Outer periphery 223 Notch 800 Payment apparatus 900 Vending machine 901 User 902 Contactless IC card

Claims

A payment system comprising a payment device for payment by electronic money, and a portable non-contact IC card slot into which a non-contact IC card storing payment information used for the payment can be inserted,
The portable non-contact IC card holder is
An antenna for a non-contact IC card capable of communicating with the inserted non-contact IC card;
A first human body communication antenna capable of communicating with the settlement apparatus;
When the non-contact IC card is inserted, the settlement information read from the inserted non-contact IC card via the non-contact IC card antenna is sent via the first human body communication antenna. Control means for transmitting to the settlement apparatus,
The settlement device
A second human body communication antenna capable of communicating with the first human body communication antenna;
Payment means for making a payment based on the payment information received from the portable non-contact IC card holder by the second human body communication antenna,
The electrode surface of the first human body communication antenna is
Arranged so as to overlap the radiation surface of the non-contact IC card antenna,
A settlement system comprising: an opening for exposing the radiation surface; and a notch reaching the outer periphery of the electrode surface from the opening.
A payment system comprising a payment device for payment by electronic money, and a portable non-contact IC card slot into which a non-contact IC card storing payment information used for the payment can be inserted,
The portable non-contact IC card holder is
An antenna for a non-contact IC card capable of communicating with the inserted non-contact IC card;
A first human body communication antenna capable of communicating with the settlement apparatus;
When the non-contact IC card is inserted, the settlement information read from the inserted non-contact IC card via the non-contact IC card antenna is sent via the first human body communication antenna. Control means for transmitting to the settlement apparatus,
The settlement device
A second human body communication antenna capable of communicating with the first human body communication antenna;
Payment means for making a payment based on the payment information received from the portable non-contact IC card holder by the second human body communication antenna,
The settlement system characterized in that the electrode surface of the first human body communication antenna is ring-shaped, and is disposed around the radiation surface of the non-contact IC card antenna, and has a notch reaching from the inner periphery to the outer periphery. .