WO2020022001A1

WO2020022001A1 - Payment system

Info

Publication number: WO2020022001A1
Application number: PCT/JP2019/026386
Authority: WO
Inventors: 平鹿　貴文; 園子平原; 五十嵐　達也; 茉那名久井
Original assignee: 株式会社サイバーウェア
Priority date: 2018-07-25
Filing date: 2019-07-02
Publication date: 2020-01-30
Also published as: JP6528160B1; JP2020017090A

Abstract

Disclosed is a payment system with which, when making a payment using a contactless IC card, the payment can be made without a need for a dedicated payment terminal. The payment system comprises a user terminal, a merchant terminal, and a payment server, which are connected via a network. Either the user terminal or the merchant terminal is used to input a payment amount, encode the inputted payment amount in an optical mark, and display the same. The other of the user terminal or the merchant terminal acquires the payment amount by reading in and decoding the displayed optical mark. The user terminal: compares balance information which is stored in a secure region of an IC card with the inputted or acquired payment amount and determines whether payment can be made; and acquires access permissions for overwriting the balance information of the IC card for which it has been determined that the payment can be made, through authentication between the payment server and said IC card using an IC access key which has been shared in advance.

Description

Payment system

(4) The present application relates to a payment system, and more particularly, to a payment system capable of performing a cashless payment.

キャッシュ Cashless payments, in which payments are made without using cash, are rapidly advancing. Conventionally, cashless payment using a magnetic stripe card or a contact type IC card has been performed, but in recent years, cashless payment using a non-contact card or a QR code (registered trademark) has rapidly spread. In cashless payment, various payment methods are mixed, and consumers and retailers are confused, and convenience is lost contrary to the original purpose.

交通 Transportation cards using FeliCa (registered trademark) technology have been widely used in Japan, and it can be said that the transportation card is in a spread period for use for settlement purposes for other merchandise. However, there are some aspects where the use of payment terminals at retail stores has become less popular due to the cost burden.

On the other hand, in other countries, payment methods using QR codes with smartphones, which are simpler and less burdensome on the retailer side, are using Alipay (registered trademark) and WeChatPay (registered trademark) in China as the first signals of explosive spread. It is expanding.

急 With the rapid expansion of payment methods using smartphones and QR codes in these foreign countries, the situation of cashless payments in Japan must be greatly revised.

JP 2005-276023 A

However, it is true that QR code payments still have many issues, such as insufficient security verification due to their rapid spread.

Here, cashless settlement methods can be roughly classified into the following five methods.
(Method 1) Method using a magnetic stripe card: A method in which a card called a debit card, a credit card, or the like is used to make an online payment at a dedicated terminal. There is a restriction that a credit or bank account is required.
(Method 2) A method using a contact type IC card: A method of performing online payment at a dedicated terminal using a card called a debit card, a credit card, or the like. There is a restriction that a credit or bank account is required.
(Method 3) A method using a non-contact IC (post-pay): a small amount payment using a debit card or a credit card, and a method for online payment using a dedicated terminal. There is a restriction that a credit or bank account is required.
(Method 4) A method using a QR code on a smartphone: A small amount payment is possible, and payment is made using a general-purpose tablet or the like using an Internet connection. There is a restriction that an account managed by the service provider is required.
(Method 5) A method using a non-contact IC (prepaid charge) card: a method using a so-called transportation IC card, which can be settled off-line by a dedicated terminal.

(Method 1) to (Method 3) differ in card method as a medium for user authentication information, but are common in that a dedicated payment terminal at the store side is connected via an online network. The user must have a bank account or be a credit member, and the balance or credit information is managed online.

(Method 4) is a method that became feasible due to the spread of smartphones to users. By providing many functions to the application (application software) that runs on the user's smartphone and converting the exchange of authentication information, amounts, and payments into QR codes, the equipment at the store can be simplified. As a result, the equipment on the dealer side became simpler and spread. In the case where the store presents the information, the store can simply use the QR code printed on the paper to post it at the store. However, since the settlement information is managed by the account managed by the service provider, there is a risk that the personal transaction information is lost to the service provider.

(Method 5) is a method that is particularly popular in Japan. Developed for transportation, so that ticket gates can be processed quickly and safely to avoid stagnating, that it can be used without a bank account or credit card, so it is a prepaid system and keeps the balance on the card Therefore, it can be used without a network. However, since a dedicated terminal is required, it may take a long time to disseminate if the cost of capital investment is insufficient.

（Also, in Japan, (method 5) has become widespread, but the cost burden of introducing a settlement terminal at the store has actually hindered the spread.

According to the present application, when a payment is made using a non-contact IC card such as a transportation IC card which is currently widely used, a dedicated payment terminal is not required, and payment information is exchanged via an optical mark, thereby making payment. Disclose a payment system that enables

One embodiment of the present invention relates to a user terminal used by a paying user, a store terminal used in a store, and authentication of access to a secure area of an IC card, which are connected via a network. A payment server for generating an access right using an IC access key for instructing a secure area of the IC card to perform access management and remittance to a store account. A payment system in which the store terminal and the payment server cooperate to execute a payment using an IC card having balance information stored in a secure area, wherein one of the user terminal and the store terminal is provided. Has means for inputting the amount of payment, and means for encoding the input amount of payment into an optical mark and displaying the mark. And the other of the store terminals has means for obtaining the payment amount by reading and decoding the displayed optical mark, and the user terminal is stored in the secure area of the IC card. Balance checking means for comparing the balance information with the input or acquired payment amount to determine whether payment is possible; and for rewriting the balance information of the IC card determined to be payable by the balance checking means. Further comprising an access right acquisition unit for acquiring the access right of the payment server by authenticating the payment server using the IC access key shared in advance and the IC card, and the payment server pays by the balance check unit. When it is determined that the IC card can be subtracted from the balance information of the IC card, an instruction to remove the payment amount is provided to the IC card via the user terminal. Have the means to execute the settlement process to remit the payment to the dealer account and sends in a payment system.

According to another embodiment of the present invention, a user terminal connected via a network and used by a paying user and an access using an IC access key for authentication of access to a secure area of an IC card are provided. A payment server that generates access and manages access by instructing processing contents for the secure area of the IC card and transfers money to a store account, wherein the user terminal and the payment server cooperate, A payment system for executing payment by an IC card in which balance information is stored in a secure area, wherein the user terminal reads and decodes the displayed optical mark to obtain a payment amount; The balance information stored in the secure area of the card is compared with the acquired payment amount to determine whether payment is possible. High check means, and an access right for rewriting balance information of the IC card determined to be payable by the balance check means, between the settlement server using the IC access key shared in advance and the IC card. The payment server further includes an access right acquisition unit for acquiring by authentication, wherein the settlement server issues an instruction to subtract the payment amount from the balance information of the IC card when the balance check unit determines that payment is possible. A payment system, comprising means for executing a payment process of sending the payment amount to the store account by sending the payment amount to the IC card via the user terminal.

It is a figure showing the example of composition of the settlement system of one embodiment. FIG. 2 is a functional block diagram illustrating a configuration example of a user terminal 1. FIG. 3 is a functional block diagram illustrating a configuration example of a store terminal 2. FIG. 3 is a functional block diagram illustrating a configuration example of a settlement server 3. It is a figure showing the processing flow in the settlement system of one embodiment. FIG. 3 is a diagram showing an example of a screen displayed on a user terminal 1 or a store terminal 2; It is a figure showing the processing flow in the settlement system of one embodiment. FIG. 3 is a diagram showing an example of a screen displayed on a user terminal 1 or a store terminal 2; It is a figure showing the processing flow in the settlement system of one embodiment. FIG. 3 is a diagram showing an example of a screen displayed on the user terminal 1.

Hereinafter, embodiments of the present invention will be described in detail.

The payment system according to the present embodiment does not require a dedicated payment terminal when performing payment using a non-contact IC card such as a transportation IC card which is currently widely used, and exchanges payment information via an optical mark. By doing so, it is possible to settle. The optical mark used in the present embodiment refers to an optically readable mark on which arbitrary information is displayed according to a predetermined rule. Examples of the optical mark include a two-dimensional code including a QR code and a bar code, and the type is not particularly limited.

The payment system according to the present embodiment is classified into a Consumer Presented mode (first embodiment) displaying an optical mark on the payment side and a Merchant Presented mode displaying an optical mark on the store side. Further, Merchant-Presented mode is classified into a dynamic mode (second embodiment) and a static mode (third embodiment). The dynamic mode is a mode in which the store operates the application software to generate an optical mark and present it to the user each time, and the static mode uses an optical mark printed in advance on a medium such as paper. It is a mode of presenting to a person. Hereinafter, a settlement system for each embodiment will be described. In the following embodiment, a case where a QR code is used as an optical mark will be described as an example, but the optical mark that can be used in the settlement system of the present embodiment is not limited to the QR code.

(First embodiment)
FIG. 1 is a diagram showing a configuration example of a settlement system of the present embodiment, FIG. 2 is a functional block diagram showing a configuration example of a user terminal 1, and FIG. FIG. 4 is a functional block diagram showing a configuration example of the settlement server 3. FIG. 1 shows a configuration in which a user terminal 1, a store terminal 2, and a payment server 3 are communicably connected via a network 4 as a payment system of the present embodiment. In the configuration shown in FIG. 1, one user terminal 1 and one shop terminal 2 are shown, but a configuration in which a plurality of user terminals 1 and two shop terminals 2 are connected may be used.

ＩＣ A non-contact IC card such as a so-called transportation IC card is assumed as an IC card that can be used in the settlement system of the present embodiment. Non-contact IC cards such as transportation IC cards include a secure area in which access is restricted where a payment server and an IC card cannot be read and authenticated without authentication, and an area which can be arbitrarily read without restriction. A certain non-secure area exists in the storage area. When accessing the secure area, access right authentication is performed using an IC access key shared in advance between the payment server and the IC card. In the secure area, balance information and the like are stored. The non-secure area stores IC card identification information, etc., which is information for identifying a card. The IC access key used for authentication is embedded in the IC card when the IC card is manufactured.

The user terminal 1 is a terminal used by a user of the present system on the payment side, and has a function capable of accessing an IC card (not shown) by NFC (Near Field Communication) wireless communication. Any terminal that can install and execute a user application (hereinafter, also referred to as a user application) may be used. For example, a smartphone, a tablet, a personal computer, or the like can be used as the user terminal 1. Since the user application of the present payment system is used to make a payment while accessing the IC card as needed, the user terminal 1 is preferably a mobile terminal.

The store terminal 2 is a terminal used by a user of the present system on the store side, and a terminal that can install and execute a store application (hereinafter also referred to as a store application) of the present payment system. For example, a smartphone, a tablet, a personal computer, a POS terminal, or the like can be used as the store terminal 2.

The settlement server 3 authenticates the IC access key, issues an access right to the secure area, controls the access by instructing the processing contents of the secure area of the IC card, and performs the remittance processing to the account of the store as necessary. Server. The settlement server 3 is connected to a store account management server (not shown), and performs a remittance process by instructing the store account management server to perform a remittance process to a store account as necessary. Can be. The store account management server is a server of a financial institution or the like that manages the store account, and can transfer money to the store account based on the remittance instruction of the settlement server 3.

The network 4 is a communication path that enables the user terminal 1 and the settlement server 3 or the store terminal 2 and the settlement server 3 to transmit and receive information, respectively. For example, the Internet can be used. It does not prevent using a dedicated line.

The user terminal 1 shown in FIG. 2 includes an NFC communication unit 12, a server communication unit 13, a QR code function unit 14, a camera function unit 15, and an input / output unit 16, and each unit is connected to each other. Configuration is shown. The user terminal 1 includes a CPU, a memory, other storage means, a display means, a camera, an antenna, a modem, and the like. These components cooperate to operate the functions of the functional units 12 to 16 shown in FIG. To achieve.

The NFC communication unit 12 accesses the IC card by NFC wireless communication. It acquires IC card identification information for identifying the IC card from the IC card, and executes a desired process for the secure area of the IC card using the IC access message received from the settlement server 3.

The server communication unit 13 executes a process of transmitting a balance confirmation request to the payment server 3 via the network 4 and receiving an IC access message from the payment server 3.

(4) The QR code function unit 14 encodes predetermined information into a QR code or reads a QR code and decodes the QR code into predetermined information, as necessary. In the present embodiment, an operation of encoding predetermined information into a QR code is performed.

The camera function unit 15 can acquire a desired image by photographing as necessary. In the present embodiment, it is used for photographing a product tag and acquiring an image of the product tag. Information such as the payment amount can be extracted from the photographed product tag image.

The input / output unit 16 is a display screen or an audio input / output device serving as an interface for inputting / outputting information. By using a touch panel display as the display screen, the display screen can be used as input means. For example, the user can manually input necessary information such as the payment amount.

The store terminal 2 shown in FIG. 3 includes a server communication unit 22, a QR code function unit 23, a camera function unit 24, and an input / output unit 25, and shows a configuration in which the units are connected to each other. I have. The store terminal 2 includes a CPU, a memory, other storage means, a display means, a camera, an antenna, a modem, and the like. These components cooperate to function as the functions of the functional units 22 to 24 shown in FIG. To achieve.

The server communication unit 22 transmits the reading result to the payment server 3 via the network 4 and receives a notification of the completion of the payment processing from the payment server 3.

(4) The QR code function unit 23 encodes predetermined information into a QR code, or reads the QR code and decodes the QR code into predetermined information, as necessary. In the present embodiment, an operation of decoding a QR code and reading predetermined information is performed.

The camera function unit 24 can acquire a desired image by photographing as necessary. In the present embodiment, it is used to acquire a QR code image obtained by capturing a QR code. The acquired QR code image is processed by the QR code function unit 23 to extract information such as the payment amount.

The input / output unit 25 is a display screen or an audio input / output device serving as an interface for inputting / outputting information. By using a touch panel display as the display screen, the display screen can be used as input means. For example, necessary information such as the payment amount can be manually input by the store.

4 shows a configuration in which the settlement server 3 shown in FIG. 4 includes a terminal communication unit 32, an IC access message generation unit 33, and a remittance processing unit 34, and the units are connected to each other. The settlement server 3 includes a CPU, a memory, other storage means, a modem, and the like. These components cooperate to implement the functions of the functional units 32 to 34 shown in FIG.

(4) The terminal communication unit 32 performs communication via the Internet in order to transmit and receive information to and from the user terminal 1 and the shop terminal 2.

When receiving an IC card access request (balance check request, payment request) from the user terminal 1, the IC access message generation unit 33 performs authentication using the IC access key and then performs authentication using the IC card secure area. An IC access message that can be accessed to perform predetermined processing on the balance information is generated. The IC access message includes an authority for the user terminal 1 to refer to the balance information stored in the secure area of the IC card, and the IC card itself rewrites the balance information stored in the secure area. Some instructions include an instruction to execute

Authentication using the IC access key can be executed by the IC card and the settlement server 3 in cooperation with each other using the IC access key shared with the IC card. For example, the user terminal 1 sends the random number generated by the IC card to the payment server 3, and the payment server 3 receiving the random number calculates the random number using its own IC access key. The settlement server 3 includes the calculation result in an IC access message for rewriting the balance information and passes the result to the user terminal 1, and the user terminal 1 passes the IC access message including the calculation result to the IC card. When the IC card that receives the IC access message calculates the calculation result contained in the IC card using the random number generated by itself and the IC access key held by the IC card, the value obtained is Permits information rewriting. In this case, the calculation result of the random number is equivalent to the access authority. The random number can be sent to the settlement server 3 while being included in the IC card identification information.

The remittance processing unit 34 instructs the store account management server to perform a remittance process to the store account as needed.

Next, the operation of the settlement system according to the present embodiment will be described. In the settlement system according to the present embodiment, the user activates a user application on his / her own user terminal 1, displays a QR code after inputting information such as a purchase price, and displays the displayed QR code on the dealer terminal 2. Operates in a read mode.

FIG. 5 is a diagram showing a processing flow in the settlement system of the present embodiment, and FIG. 6 is a diagram showing an example of a screen displayed on the user terminal 1 or the dealer terminal 2.

First, when a user application is started in the user terminal 1, the input / output unit 16 displays a screen shown in FIG. 6A on the display screen, for example, and inputs a price to the paying user. By prompting, for example, by reading the tag of the product by the camera function unit 15, the input of the payment amount can be accepted (step S101). In the input processing of the payment amount in step S101, for example, in the user terminal 1 on which the user application has been started, the user on the payment side may be input by a software keyboard displayed on the display screen of the input / output unit 16. Yes, and the input means does not matter.

In the user terminal 1, the NFC communication unit 12 accesses the IC card and acquires the IC card identification information (step S102), and the server communication unit 13 checks the balance including the IC card identification information acquired in step S102. The request is transmitted to the settlement server 3 (Step S103).

In the settlement server 3, when the terminal communication unit 32 receives the balance confirmation request from the user terminal 1 (step S104), the IC access message generation unit 33 transmits the IC access message to the IC card identified by the IC card identification information. Is generated (step S105). The IC access message generation unit 33 includes, for example, an IC access message including, as an access right, a calculation result obtained by calculating a random number transmitted from the user terminal using the IC access key identified by the IC card identification information. Can be generated. The terminal communication unit 32 transmits the generated IC access message to the user terminal 1 (Step S106).

In the user terminal 1, when the server communication unit 13 receives the IC access message from the settlement server 3 (step S107), the NFC communication unit 12 accesses the IC card using the IC access message to check the balance. Is performed (step S108). The balance check is determined based on whether or not the balance stored in the IC card is equal to or more than the payment amount. If it is determined that the balance is not equal to or more than the payment amount (step S108: No), the process ends.

If it is determined that the balance is equal to or more than the payment amount (step S108: Yes), the QR code function unit 14 generates a QR code in the user terminal 1, and the input / output unit 16 displays the generated QR code on the display screen. For example, it is displayed as shown in FIG. 6B (step S109). The generated QR code encodes the IC card identification information and the payment amount. The QR code can also encode a processing number that is randomly generated for each payment processing.

When the store application is started in the store terminal 2, the input / output unit 25 displays, for example, a screen shown in FIG. 6C on the display screen, and reads the QR code displayed on the user terminal 1. And the camera function unit 24 reads the QR code in accordance with the request (step S110).

When the QR code is read at the store terminal 2, the QR code function unit 23 decodes the QR code, acquires the data encoded in the QR code (such as IC card identification information and payment amount), and sends the data to the server. The communication unit 22 transmits the acquired IC card identification information and the payment amount to the settlement server 3 as a read result together with the store account information linked to the store terminal 2 (step S111). In steps S110 to S111, the input / output unit 25 can display, for example, a screen shown in FIG. 6D on the display screen to notify the user or the store that the processing is being performed.

In the settlement server 3, when the terminal communication unit 32 receives the read result (step S112), the terminal communication unit 32 executes the settlement processing in cooperation with the user terminal 1, the shop terminal 2, and the shop account management server (step S112). S113).

In the settlement processing in step S113, (processing 1) in the settlement server 3, the remittance processing unit 34 sends the payment amount included in the read result to the account corresponding to the shop account information to the shop account management server. (Process 2) In the settlement server 3, the IC access message generation unit 33 transmits the IC card access message for executing the process of withdrawing the payment amount for the IC card of the IC card identification information included in the read result. When the payment instruction is issued to the IC card via the user terminal 1 by transmitting the generated IC access message generated by the terminal communication unit 32 to the user terminal 1, the user is notified based on the payment instruction. In the terminal 1, the NFC communication unit 12 passes the IC access message to the IC card and causes the IC card to execute an instruction of a payment amount withdrawal process ( 3) In the settlement server 3, when the terminal communication unit 32 confirms that the execution according to the instructions of (Process 1) and (Process 2) is completed, for example, by receiving ACK within a predetermined time, the user terminal 1 and The store terminal 2 is notified of the settlement completion. On the other hand, if (Process 1) and (Process 2) are not completed within the predetermined time due to, for example, not receiving ACK within the predetermined time, the terminal communication unit 32 of the settlement server 3 And instruct the IC card via the user terminal 1 to cancel the processing based on (Process 1) and (Process 2).

When the completion of the settlement is notified, the input / output unit 16 of the user terminal 1 displays, for example, the screen shown in FIG. 6F on the display screen. For example, a screen shown in FIG. 6E is displayed so that the user or the dealer can confirm that the payment is completed.

(Second embodiment)
The settlement system according to the present embodiment is different from the settlement system according to the first embodiment shown in FIGS. 1 to 4 in that the QR code function unit 14 of the user terminal 1 encodes the QR code and the QR code function of the store terminal 2 Instead of the configuration where the unit 23 decodes the QR code, the QR code function unit 23 of the store terminal 2 encodes the QR code and the QR code function unit 14 of the user terminal 1 decodes the QR code. is there. Further, the camera function unit 15 of the user terminal 1 functions similarly to the function of the camera function unit 24 of the store terminal 2 in the first embodiment, and the camera function unit 24 of the store terminal 2 is the same as that of the first embodiment. Functions in the same manner as the function of the camera function unit 15 of the user terminal 1 in. Other configurations are the same as those of the settlement system according to the first embodiment described with reference to FIGS.

Next, the operation of the settlement system according to the present embodiment will be described. In the payment system according to the present embodiment, the store presents a QR code including information such as the price of the product to the user, and the user operates the camera function from the user application of his / her smartphone using the QR code. This is a method of taking pictures and paying.

FIG. 7 is a diagram showing a processing flow in the settlement system of the present embodiment, and FIG. 8 is a diagram showing an example of a screen displayed on the user terminal 1 or the dealer terminal 2.

First, in the store terminal 2, when the store application is activated, the input / output unit 25 displays, for example, a screen shown in FIG. 8A on the display screen to urge the store to input a price. For example, the input of the payment amount can be accepted by scanning the product code by the camera function unit 24 (step S201). In the input processing of the payment amount in step S201, for example, in the store terminal 2 on which the store application is activated, the user on the payment side may also be input using the software keyboard displayed on the display screen of the input / output unit 25. Yes, and the input means does not matter.

(4) In the shop terminal 2, the QR code function unit 23 generates a QR code, and the input / output unit 25 displays the generated QR code on a display screen, for example, a screen shown in FIG. 8B (step S202). In the generated QR code, the store account information and the payment amount are encoded. The QR code can also encode a processing number that is randomly generated for each payment processing.

When the user application is started in the user terminal 1, the input / output unit 16 displays a screen shown in FIG. 8C on the display screen, for example, and reads the QR code displayed on the store terminal 2. The user is prompted to read the QR code by the camera function unit 15 (step S203).

In the user terminal 1, the NFC communication unit 12 further accesses the IC card to acquire IC card identification information (step 204), and the QR code function unit 14 decodes the read QR code and encodes the QR code. When the obtained data is acquired, the server communication unit 13 transmits the data to the settlement server 3 as a balance confirmation request including the acquired IC card identification information (Step S205).

In the settlement server 3, when the terminal communication unit 32 receives the balance confirmation request from the user terminal 1 (step S206), the IC access message generation unit 33 executes the IC access message for the IC card identified by the IC card identification information. Is generated (step S207). The IC access message generation unit 33 includes, for example, an IC access message including, as an access right, a calculation result obtained by calculating a random number transmitted from the user terminal using the IC access key identified by the IC card identification information. Can be generated. The terminal communication unit 32 further transmits the generated IC access message to the user terminal 1 (Step S208).

In the user terminal 1, when the server communication unit 13 receives the IC access message from the settlement server 3 (step S209), the NFC communication unit 12 accesses the IC card using the IC access message and checks the balance. Is performed (step S210). The balance check is determined based on whether or not the balance stored in the IC card is equal to or more than the payment amount. If it is determined that the balance is not more than the payment amount (step S210: No), the process ends.

If the user terminal 1 determines that the balance is equal to or more than the payment amount (step S210: Yes), the input / output unit 16 displays, for example, a screen shown in FIG. When the input is accepted and OK is input, the server communication unit 13 setstles the payment OK instruction including the store account information and the payment amount obtained from the QR code and the IC card identification information obtained from the IC card. The data is transmitted to the server 3 (step S211).

In the settlement server 3, when the terminal communication unit 32 receives the payment OK instruction (step S212), the settlement processing is executed in cooperation with the user terminal 1, the shop terminal 2, and the shop account management server (step S212). Step S213).

In the settlement processing in step S213, (processing 1) in the settlement server 3, the remittance processing unit 34 transfers the payment amount included in the payment OK instruction to the store account management server to the account corresponding to the store account information. (Process 2) In the settlement server 3, the IC access message generation unit 33 causes the IC access message generation unit 33 to execute a process of withdrawing the payment amount for the IC card of the IC card identification information included in the payment OK instruction. When a message is generated and a payment instruction is issued to the IC card via the user terminal 1 by transmitting the IC access message generated by the terminal communication unit 32 to the user terminal 1, the payment is performed based on the payment instruction. In the user terminal 1, the NFC communication unit 12 passes the IC access message to the IC card, and executes an instruction of the withdrawal processing of the settlement amount to the IC card. (Process 3) In the settlement server 3, the terminal communication unit 32 confirms that the execution according to the instructions of (Process 1) and (Process 2) is completed by receiving ACK within a predetermined time or the like. The terminal 1 and the shop terminal 2 are notified of the settlement completion. On the other hand, if (Process 1) and (Process 2) are not completed within the predetermined time due to, for example, not receiving ACK within the predetermined time, the terminal communication unit 32 of the settlement server 3 And instruct the IC card via the user terminal 1 to cancel the processing based on (Process 1) and (Process 2).

(Third embodiment)
The payment system of the present embodiment has a configuration that does not use the store terminal 2 shown in FIG. 1 in the payment system of the second embodiment. In the settlement system of the second embodiment, a QR code displayed on the store terminal 2 is printed in advance and displayed on a medium such as paper. The rest of the configuration is the same as that of the settlement system of the second embodiment, and the description is omitted.

Next, the operation of the settlement system according to the present embodiment will be described. In the settlement system according to the present embodiment, the store presents a QR code including information such as the price of the product to the user, and the user operates the camera function from the user application of his / her smartphone using the QR code. This is a method of taking pictures and paying.

FIG. 9 is a diagram showing a processing flow in the settlement system of the present embodiment, and FIG. 10 is a diagram showing an example of a screen displayed on the user terminal 1.

First, when the user application is started in the user terminal 1, the input / output unit 16 displays, for example, a screen shown in FIG. 10A on a display screen and reads the QR code displayed on a paper medium or the like. And the camera function unit 15 reads the QR code in accordance with the request (step S301). In the QR code, the store account information and the payment amount are encoded. The QR code can also encode a processing number that is randomly generated for each payment processing.

In the user terminal 1, the NFC communication unit 12 accesses the IC card to obtain IC card identification information (step 302), and the QR code function unit 14 decodes the read QR code and encodes the QR code into a QR code. The server communication unit 13 acquires the acquired data, and transmits it to the settlement server 3 as a balance confirmation request including the acquired IC card identification information (step S303).

In the settlement server 3, when the terminal communication unit 32 receives the balance confirmation request from the user terminal 1 (step S304), the IC access message generation unit 33 transmits the IC access message to the IC card identified by the IC card identification information. Is generated (S305). The IC access message generation unit 33 includes, for example, an IC access message including, as an access right, a calculation result obtained by calculating a random number transmitted from the user terminal using the IC access key identified by the IC card identification information. Can be generated. The terminal communication unit 32 further transmits the generated IC access message to the user terminal 1 (Step S306).

In the user terminal 1, when the server communication unit 13 receives the IC access message from the settlement server 3 (step S307), the NFC communication unit 12 accesses the IC card using the IC access message and checks the balance. Is performed (step S308). The balance check is determined based on whether or not the balance stored in the IC card is equal to or more than the payment amount. If it is determined that the balance is not more than the payment amount (step S308: No), the process ends.

If the user terminal 1 determines that the balance is equal to or more than the payment amount (step S308: Yes), the input / output unit 25 displays, for example, a screen shown in FIG. Is received and OK is input, the server communication unit 13 issues a payment OK instruction including the store account information and the payment amount obtained from the QR code and the IC card identification information obtained from the IC card. The information is transmitted to the settlement server 3 (step S309).

In the settlement server 3, when the terminal communication unit 32 receives the payment OK instruction (Step S310), the terminal communication unit 32 executes the settlement process in cooperation with the user terminal 1, the shop terminal 2, and the shop account management server ( Step S311).

The settlement process in step S311 is as follows: (Process 1) In the settlement server 3, the remittance processing unit 34 sends the payment amount included in the payment OK instruction to the account management server to the account corresponding to the store account information. (Process 2) In the settlement server 3, the IC access message generation unit 33 causes the IC access message generation unit 33 to execute a process of withdrawing the payment amount for the IC card of the IC card identification information included in the payment OK instruction. When a message is generated and a payment instruction is issued to the IC card via the user terminal 1 by transmitting the IC access message generated by the terminal communication unit 32 to the user terminal 1, the payment is performed based on the payment instruction. In the user terminal 1, the NFC communication unit 12 passes the IC access message to the IC card, and executes an instruction of the withdrawal processing of the settlement amount to the IC card. (Process 3) In the settlement server 3, the terminal communication unit 32 confirms that the execution according to the instructions of (Process 1) and (Process 2) is completed by receiving ACK within a predetermined time or the like. The terminal 1 and the shop terminal 2 are notified of the settlement completion. On the other hand, if (Process 1) and (Process 2) are not completed within the predetermined time due to, for example, not receiving ACK within the predetermined time, the terminal communication unit 32 of the settlement server 3 And instruct the IC card via the user terminal 1 to cancel the processing based on (Process 1) and (Process 2).

When the payment completion is notified, in the user terminal 1, the input / output unit 16 displays, for example, a screen shown in FIG. 10C on the display screen, and confirms that the user or the store has completed the payment. It can be so.

In the above description, the settlement systems of the first to third embodiments have been described as separate configurations, but may be configured as a settlement system including all of the configurations of the settlement systems of these embodiments. . In this case, the user terminal 1 can select which embodiment of the settlement system is to be operated.

In the above embodiment, the IC card has been described assuming that the secure area has an access restriction for reading and writing. However, in the case where an available IC card is only read but not rewritten, Some IC cards do not restrict access. In this case, in the process of reading the balance information with the user terminal 1, the user terminal 1 alone does not request the settlement server 3 to transmit the IC access message (requests the balance confirmation) (without using the IC access message). Thus, the reading process of the balance information can be executed. That is, in this case (when reading the balance information of an IC card having no access restriction in reading), the processing of steps S103 to S107 of FIG. 5, steps S205 to S209 of FIG. 7, and steps S303 to S307 of FIG. Can be omitted.

In the above embodiment, the case where the result of calculation of the random number generated by the IC card by the payment server using the IC access key functions as an access right is described as an example. In other words, authentication has been performed by the IC card using the pre-shared IC access key to calculate the random number and the calculation result serving as the access right to match, but the authentication method is not the same. Not limited. Any method that can acquire the access right by authenticating the payment server and the IC card using the pre-shared IC access key may be used.

According to the settlement system described in the above embodiment, the user of the transportation IC card continues to use the convenience of the processing speed and the like when using the transportation means, and at the same time, as a settlement method of the merchandise sales at the store by the QR code, IC card electronic money can also be used. In a store, a transportation card user can be taken in as a purchase layer without investing in a dedicated device for reading an IC card.

In addition, the payment system of the present embodiment cooperates with the application on the smartphone, the NFC function, the transportation IC card, and the payment server, and makes it possible to use the QR code payment while using the balance of the transportation card. It is simpler than a method such as Mobile Suica (registered trademark) having a secure element in a smartphone, and it is safe to use the security function of an IC card as it is.

In the settlement system of the present embodiment, there are many people who do not have a bank account or a credit card, and there is a shortage of capital investment funds in stores. In other countries, it can be expected that cashless payments will be easily introduced.

Claims

A user terminal used by a paying user, a store terminal used at a store, and an IC access key for authentication of access to a secure area of an IC card, which are connected via a network. A payment server for performing access control by generating access authority and instructing the contents of processing on the secure area of the IC card and transmitting money to the store account, and providing a payment server between the user terminal and the store terminal. A payment system that performs payment by an IC card in which the user terminal, the store terminal, and the payment server cooperate without requiring transmission, and the balance information is stored in a secure area,
The store terminal has means for inputting the amount of payment, and means for encoding and displaying the input amount of payment on an optical mark, and wherein the user terminal reads the displayed optical mark. Having means for obtaining the payment amount by decoding;
The user terminal is configured to compare balance information stored in a secure area of the IC card with the input or acquired payment amount to determine whether or not payment is possible; An authentication requesting unit for requesting the payment server to perform authentication between the payment server and the IC card using the IC access key shared in advance only with the payment server; and performing the authentication based on the request. After the establishment, the balance instructing the IC card to rewrite the balance information stored in the secure area of the IC card by using the IC access message including the calculation result using the IC access key created by the settlement server. Further comprising information rewriting instruction means,
The payment server, when the balance check means determines that payment is possible, sends the IC access message including an instruction to subtract the payment amount from the balance information of the IC card and a calculation result of the IC access key. And a means for executing a settlement process for sending the payment amount to the store account via the balance information rewriting instructing means of the user terminal and sending the payment amount to the store account. .
The optical mark further encodes store account information associated with the store,
The user terminal has means for transmitting the IC card identification information acquired from the IC card, the payment amount acquired from the optical mark, and the store account information linked to the store to the settlement server as a payment instruction. And
The settlement process sends an instruction to subtract the payment amount from the balance information to the IC card corresponding to the IC card identification information via the user terminal based on the payment instruction, and The payment system according to claim 1, wherein the remittance is sent to an account associated with the information.
A user terminal connected via a network, which is used by a paying user, and an access right generated by using an IC access key for authenticating access to the secure area of the IC card, and the secure area of the IC card is generated. A payment server that manages access by instructing the contents of processing for and transmits money to the store account, and requires transmission between the user terminal and the store terminal used in the store. A payment system in which the user terminal and the payment server cooperate to execute payment by an IC card having balance information stored in a secure area,
The user terminal reads and decodes an optical mark in which the information of the store account is encoded, and obtains a payment amount; a balance information stored in a secure area of an IC card; Balance check means for comparing whether the payment is possible by comparing the amount with the payment server, the payment server using the IC access key previously shared only between the IC card and the payment server, and the IC card. Authentication requesting means for requesting the payment server to perform authentication during the period, and an IC access message including a calculation result using the IC access key created by the payment server after establishing the authentication based on the request. Means for instructing the IC card to rewrite the balance information stored in the secure area of the IC card. Have to,
The payment server, when the balance check means determines that payment is possible, sends the IC access message including an instruction to subtract the payment amount from the balance information of the IC card and a calculation result of the IC access key. And a means for executing a settlement process of sending the payment amount to the store account via the balance information rewriting instructing means of the user terminal and transmitting the payment amount to the store account. .