JP2001351044A - Store front payment system using portable terminal - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a store front payment system based on a portable terminal of high security eliminating the necessity of presenting a consumer's own card and inputting a pin number by allowing the consumer to execute payment operation by his (or her) own portable terminal. SOLUTION: When a consumer inputs his (or her) own identification(ID) information from an input means at the time of paying a charge in the store, a transmission means transmits the ID information to a computer in a settlement service center. The computer stores the sent ID information, identifies the sent ID information with registered ID information previously stored in a storage means and sends the payment information stored in the storage means together with the identified registered ID information to the store.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an in-store payment system using a portable terminal.

[0002]

2. Description of the Related Art Conventionally, a consumer who has purchased a service or a product at a store has received a credit card, a debit card,
When payment is made at a store using a card such as a bank ATM card, the customer is required to hand over his / her card to a store clerk at a payment terminal device provided at the store,
Alternatively, the consumer inputs the pin number (personal identification number), which is part of the payment operation.

[0003]

However, in the above-mentioned conventional over-the-counter payment system, when performing a payment operation, a situation occurs in which a card is illegally copied or a pin number input by a consumer is stolen. ing.

The present invention solves the problems of the above-mentioned conventional store payment system, and allows a consumer who has purchased a service or a product at a store to perform a payment operation using his or her own portable terminal, thereby allowing the customer to purchase his or her card at the store. It is an object of the present invention to provide an in-store payment system using a mobile terminal with high security, without having to present a PIN or inputting a pin number from an in-store payment terminal device.

[0005]

To this end, a storefront payment system using a portable terminal according to the present invention has a consumer portable terminal including input means and transmission means, and a computer of a settlement service center including storage means. Then, at the time of payment at the store, the consumer inputs his / her own identification information from the input unit, and transmits the identification information to the computer by the transmission unit, and the computer transmits the transmitted identification information to the computer. Identifying the registered identification information stored in the storage means in advance, and transmitting the settlement information stored in the storage means along with the identified registration identification information to the store.

[0006]

Embodiments of the present invention will be described below in detail with reference to the drawings.

FIG. 1 is a conceptual diagram of a storefront settlement system using a portable terminal according to an embodiment of the present invention.

[0008] In the present embodiment, an internet settlement system is used. The Internet settlement is a type of electronic settlement system, in which traders exchange goods and services via the Internet, that is, pay and receive payments without actually exchanging money. This is a system that can be performed electronically via accounts opened at financial institutions 21 and 24 such as shinkin banks. In addition,
If a network system other than the Internet is available, it is not always necessary to go through the Internet.

[0009] In the case of the Internet settlement, a consumer 23 who purchases a service or a product in a store that provides and sells a service or a product, that is, a store 22, opens an account in the financial institution 21 in advance, and the account has a predetermined number or more. Deposit the amount. On the other hand, the store 22 has previously established the financial institution 2
Open an account at 4. The financial institutions 21 and 24
May be the same person.

Here, the store 22 can be an individual or a corporation if it is a person who provides various services and products such as a store that sells goods, a restaurant that provides meals, a store that only provides services such as hairdressing, etc. For example, the consumer 23 may be a company, a group, or the like without being an individual.

[0011] The consumer 23 submits identification information to the financial institution 21 in advance to identify himself / herself. The identification information includes, for example, a pin number (personal identification number) including numbers, characters, and symbols, a secret key in encryption,
And biometrics (biological features) such as signatures, voiceprints, fingerprints, and irises (irises of the eyes).

The certification organization 25 registers the identification information sent from the financial institution 21 to the certification organization 25 (arrow 11 in the figure). The certification body 25 is the financial institution 2
1 may be a part of, but from the viewpoint of fairness, a trusted third party, for example, a CA center that manages public keys of encryption used in Internet transactions,
It is desirable that Note that the identification information may be directly submitted to the certification organization 25 without passing through the financial institution 21.

The settlement service center 26 has a computer, and in the storage means of the computer, the registered certificate sent by the certification body 25 together with the certificate issued by the certification body 25 (arrow 12 in the figure). It stores identification information, that is, registered identification information. Correspondingly, an electronic wallet (server wallet) of the consumer 23 is opened in the storage means, and the registration identification information,
A certificate, settlement information (name of the principal, account number at a financial institution, etc.) accompanying the registered identification information, and the like are stored.

The financial institutions 21 and 24, the certification institution 25, and the settlement service center 26 have previously concluded a contract for the Internet settlement system.

The consumer 23 holds a mobile terminal 27 such as a mobile phone, a mobile computer, and an electronic organizer. The mobile terminal 27 includes an input unit capable of inputting identification information and a transmission unit, and transmits the input identification information to the settlement service center 26 via a wireless or telephone line (arrows in the figure). 15) Yes. The mobile terminal 27 may store the identification information in an internal storage unit or the like, and the consumer 23 may transmit the identification information to the settlement service center 26 by a simple operation. From the viewpoint of security (safety), it is preferable that the communication apparatus has no means for storing the identification information and does not leave a communication log of the identification information.

The financial institutions 21 and 24, the consumer 23,
Certification organization 25, settlement service center 26 and store 2
From the viewpoint of security, it is desirable that the communication signal between the two is encrypted by the communication interface means such as the computer of the transmission source or the portable terminal 27 and is decrypted by the communication interface means of the destination.
Alternatively, for example, an electronic payment system with high security such as SET (Secure Electronic Transaction) can be adopted. Particularly, when the mobile terminal 27 is a mobile phone, tapping (interception of the communication) is relatively easy, and therefore, when the identification information is transmitted to the settlement service center 26, encryption or scrambling is performed. It is desirable to apply.

Further, the consumer 23 and the store 22 open an electronic account in their own computer or the like, and connect the electronic account with the account of the financial institution 21 or 24 via the online or the Internet. It is desirable to make the connection electronically. In this case, remittance can be performed between the electronic account and the accounts of the financial institutions 21 and 24 based on a command input from input means such as the computer or periodically and automatically, The commission cost required for settlement is reduced.

More preferably, the financial institution 21 is used in place of each electronic account established in both computers and the like.
And an account set up in 24 is an electronic account, and among the amounts deposited in the electronic account set up in the financial institution 21, a predetermined amount corresponding to a price described later is transferred via the Internet or the like. Then, when the money is directly transferred to the electronic account established at the financial institution 24,
The commission cost required for settlement is further reduced. Also,
The payment may be made via a settlement company established on the Internet instead of a conventional financial institution.

Next, the operation of this embodiment will be described.

When the consumer 23 purchases a service or product at the store 22 (arrow 13 in the figure), the consumer 23 is requested to pay for the service or product (arrow 14 in the figure). Then, the consumer 23 does not pay the cash or the card and pays for the store 2 such as a seat and a cash register.
In the second store, payment is made by the Internet payment system. In this case, the mobile terminal 27 functions as if it were a conventional card.

The amount of the price is input from terminal equipment provided in the store 22, but may be input from the portable terminal 27 by the consumer 23 itself.

Next, the consumer 23 inputs identification information to his / her own portable terminal 27 and transmits the identification information to the settlement service center 26 together with accompanying information such as the amount of the price and the name of the store 23 ( Arrow 1 in the figure
5). When the price is input from the terminal device of the store 22, all or a part of the accompanying information is not transmitted.

The computer of the settlement service center 26 identifies the identification information matching the identification information sent from the portable terminal 27 from all the registered identification information stored in the electronic wallet, and identifies the identification information. The settlement information accompanying the registered identification information is transmitted to the terminal device of the store 22 together with the accompanying information sent from the portable terminal 27 (arrow 16 in the figure).

The store 22 transmits the registered identification information of the consumer 23, the settlement information, and the accompanying information such as the amount of the price sent from the settlement service center 26 to the financial institution 2.
4 (arrow 18 in the figure) to request that the transfer of money from the account of the consumer 23 at the financial institution 21 to the account of the store 22 at the financial institution 24 be performed.

The financial institution 21 checks the registration identification information, the settlement information and the accompanying information of the consumer 23 sent from the financial institution 24, and then pays the money from the account of the consumer 23 to the financial institution 23. Transfer to the account of the store 22 established at 24 (arrow 17 in the figure).

When the money is transferred, the financial institution 24 sends a notice to that effect to the terminal device of the store 18 (arrow 18 in the figure), so that the clerk or the like of the store 22 knows that the money has been transferred. Confirm.

Thus, the settlement at the shop 22 is completed.

As described above, in the present embodiment, the consumer 23 who has purchased a service or a product at the store 22 is
However, since the payment operation such as the input of the identification information is performed by the user's own mobile terminal 27, the identification information does not leak to others, and the security is high.

Further, there is no need to carry a plurality of credit cards or the like for settlement.

Further, if the portable terminal 27 has no means for storing identification information and does not leave a communication log of the identification information, the portable terminal 27 may be stolen or picked up. However, the identification information is not used.

The present invention is not limited to the above embodiment, but can be variously modified based on the gist of the present invention, and they are not excluded from the scope of the present invention.

[0032]

As described above in detail, according to the present invention, in a point-of-sale settlement system using a portable terminal, a consumer's portable terminal including input means and transmission means and a settlement service center including storage means are provided. Having a computer,
At the time of payment at the store, the consumer inputs his / her own identification information from the input means, transmits the identification information to the computer by the transmission means, and the computer stores the transmitted identification information in the storage. Identifying the registered identification information stored in advance in the means and transmitting the settlement information stored in the storage means to the store along with the identified registered identification information.

In this case, since the consumer who has purchased the service or the product at the store performs the settlement operation such as input of the identification information using his / her own portable terminal, the identification information is not leaked to another person and the security is high. Also, there is no need to carry a plurality of credit cards or the like for settlement.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram of an in-store payment system using a portable terminal according to an embodiment of the present invention.

Claims (1)

[Claims] 1. A consumer service terminal including input means and transmission means, and a computer of a settlement service center including storage means, wherein (a) the consumer pays for the price at a store, Is transmitted from the input means to the computer by the transmitting means. (B) The computer transmits the transmitted identification information to registered identification information stored in the storage means in advance. An in-store payment system using a portable terminal, wherein the payment information stored in the storage means is transmitted to the store together with the identified registered identification information.