JP2005141314A - Payment system using electronic value, payment device, server, and portable information terminal - Google Patents

Abstract

An electronic value is embedded using an electronic value embedded in an image to make a payment, and the electronic value is effectively utilized.
A mobile phone selects a digital watermark image held at the time of settlement and wirelessly transmits it to a POS terminal. The POS terminal extracts electronic gift certificate information from the received digital watermark image, and settles the purchased product using the available amount of the electronic gift certificate information. When the available amount is larger than the total amount of purchased products, the available amount is reduced. If the available amount ≦ the total amount, the available amount of the electronic gift certificate is changed to used information.
[Selection] Figure 8

Description

  The present invention relates to a payment system that performs payment using an electronic value such as an electronic gift certificate and an electronic ticket, a payment device used in the system, a server, and a portable information terminal.

Conventionally, for example, by embedding information such as a ticket number in an image or the like by digital watermark technology, and transmitting the image together with ticket information such as a ticket number to a portable terminal, illegal duplication of ticket information can be prevented more reliably. There is a ticket handling system. In this system, an image included in ticket information is read, and the authenticity of the ticket information is verified by checking whether a ticket number or the like is embedded in the image (see, for example, Patent Document 1).
JP 2001-256513 A

  In such a conventional system that embeds an electronic value such as a ticket number in an image and handles the electronic value including this image, it is not possible to make a payment using the electronic value embedded in the image, and the electronic value is valid. It was insufficient in the point to utilize for.

  The present invention provides a payment system using electronic value that can embed electronic value in an image using digital watermark technology and can make payment using the embedded electronic value, thereby effectively utilizing the electronic value. To do.

  The present invention comprises a portable information terminal holding an electronic value such as an electronic gift certificate or an electronic ticket, a payment device using the electronic value of the portable information terminal, and a server for managing a payment result of the payment device, The server includes an image generation unit that embeds an electronic value in an image using the digital watermark image creation function and generates a digital watermark image, and a transmission unit that transmits the digital watermark image generated by the image generation unit to the portable information terminal. The settlement apparatus includes a receiving unit, an extracting unit that extracts an electronic value from the digital watermark image received by the receiving unit from the portable information terminal using an electronic value extracting function, and uses the extracted electronic value. A payment means for settlement such as sales settlement and admission, and an updating means for updating the contents of the electronic value after the settlement. Provided with a receiving means, a storing means for storing the electronic watermark image from the server in the memory when the receiving means receives, and a transmitting means for transmitting the electronic watermark image stored in the memory to the settlement apparatus for settlement. It is in.

  According to the present invention, an electronic value can be embedded in an image using a digital watermark technique, and payment can be performed using the embedded electronic value, whereby the electronic value can be effectively utilized.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
(First embodiment)
FIG. 1 is a diagram showing a configuration of the entire system, in which 1 is a server, 2 is a POS terminal as a settlement apparatus, and 3 is a mobile phone as a portable information terminal holding an electronic value such as an electronic gift certificate or an electronic ticket. It may be a PDA or the like. The server 1 and the POS terminal 2 can communicate with each other via, for example, the WAN 4. Note that the Internet or a LAN may be used instead of the WAN.

  The mobile phone 3 can communicate with each other via the server 1, a wireless relay station (not shown), and the Internet 5. The mobile phone 3 communicates with the POS terminal 2 by a wireless communication method such as IrDA or Bluetooth.

  As shown in FIG. 2, the mobile phone 3 includes a network connection unit 31 that controls connection to the Internet 5, an application execution unit 32 that executes various applications, and includes a rewritable memory. A storage unit 33, a key input unit 34 that performs key input processing from a keyboard provided in the operation unit, a display unit 35 that includes a liquid crystal display that displays information such as images and text, and wireless communication systems such as IrDA and Bluetooth. The POS terminal 2 includes a wireless communication unit 36 that performs wireless communication control, and an image capturing unit 37 that includes an imaging device (hereinafter referred to as a camera) such as a CCD camera, and each is electrically connected by a bus line. .

  In the application execution unit 32, in addition to a program for executing a normal telephone function, in particular, a program 321 for executing a digital watermark extraction function for extracting an electronic value from a digital watermark image and whether or not value information has been used. Is provided with a program 322 for executing a value information verification function.

  As shown in FIG. 3, the server 1 includes a network connection unit 11 that controls connection to the WAN 4 and the Internet 5, an application execution unit 12 that executes various applications including a CPU, a ROM, a RAM, and the like. A storage unit 13 composed of a memory, a key input unit 14 for performing key input processing from a keyboard, and a database 6 are connected to the database 6 and a database connection unit 15 for writing and reading data to and from the database 6, and each is electrically connected by a bus line. It is connected to the.

  In particular, the application execution unit 12 presents a program 121 for executing a digital watermark generation function for generating an electronic watermark image by embedding an electronic value in an image, and an image held in the storage unit 13 to the mobile phone 3. A program 122 for executing an image presentation function, a program 123 for executing an electronic value issuing function for creating and issuing an electronic value, a program 124 for executing a payment function for performing a payment process when the electronic value is issued to the mobile phone 3, A program 125 for executing an electronic value management function for managing the issued electronic value using the database 6 is provided.

  An example of the data structure of the electronic value issued by the electronic value issuing function program 123 is shown in FIG. 4. The ID (identifier) for identifying the electronic value, the value information, and the value information are encrypted with a secret key. It is composed of a digital signature. The value information is, for example, an available amount when the electronic value is an electronic gift certificate, and information such as a venue, a seat number, and a date when the electronic value is an electronic ticket. Further, the value information has a state indicating used, and can be represented by 0, for example.

  Examples of the settlement process performed by the settlement function program 124 include a process of transmitting a credit number sent from the mobile phone 3 as a credit settlement to a card company. The management performed by the electronic value management function program 125 includes, for example, registering images and digital value value information used for digital watermarking, the status of the used electronic value, and what kind of product is purchased at which store. It is to add or change information such as used.

  FIG. 5 shows the management status of the electronic value managed by the electronic value management function program 125 using the database 6, and information such as ID, image name, value information, current status, and store used, and actual information. Image data is managed. Further, by purchasing the purchaser's attribute information when purchasing the electronic value from the mobile phone 3, the attribute information may also be managed in association with the electronic value.

  As shown in FIG. 6, the POS terminal 2 includes a network connection unit 21 that controls connection to the WAN 4, a CPU, ROM, RAM, and the like, an application execution unit 22 that executes various applications, and a rewritable memory. A storage unit 23, a key input unit 24 for performing key input processing from a keyboard, a display unit 25 for displaying information such as images and text, and wireless communication control with the mobile phone 3 by a wireless communication method such as IrDA or Bluetooth. The wireless communication unit 26 and the barcode input unit 27 for inputting the barcode data read by the barcode reader 7 are provided and are electrically connected to each other by a bus line.

  The application execution unit 22 includes, in particular, a program 221 that executes a digital watermark extraction function that extracts a digital value from a digital watermark image, a program 222 that executes a digital value update function that updates value information of the digital value, a digital watermark A program 223 for executing an electronic value verification function for decrypting an electronic signature of the electronic value extracted from the private key with a secret key and comparing it with the value information to check whether or not the value information has been tampered with, and a program 224 for executing the settlement function are provided. .

  The updating of the value information performed by the electronic value update function program 222 is, for example, a reduction of the usable amount in the case of an electronic gift certificate, and addition of used information in the case of an electronic ticket. Then, a new electronic signature is created for the changed price information. The settlement function program 224 obtains price information of purchased products from a host device (not shown) such as a store controller based on the input information obtained from the barcode input unit 27, calculates the total price, Processing to be displayed on the display unit 25 is performed. Then, the total amount is settled using the available amount indicated by the value information of the electronic value extracted by the electronic watermark extracting function program 221.

  Next, in the case where the electronic value is an electronic gift certificate, the exchange between the mobile phone 3 and the server 1 when the mobile phone 3 purchases the electronic value from the server 1, that is, the electronic gift certificate, based on the flowchart of FIG. explain.

  First, in the state where the screen shown in FIG. 9A is displayed on the display unit 35, the mobile phone 3 selects and requests "purchase" of electronic value from the server 1 in S1. Upon receiving this request, the server 1 transmits a list of electronic gift certificates (electronic value) that can be purchased to the mobile phone 3 in S2. When the mobile phone 3 receives the list, the mobile phone 3 displays the screen shown in FIG. In S3, an electronic gift certificate is selected. For example, an electronic gift certificate of 2000 yen is selected. In response to this selection, the server 1 issues an electronic gift certificate of 2000 yen in S4.

  Next, the server 1 performs a payment process for an electronic gift certificate of 2000 yen sold to the mobile phone 3. If this payment process is payment by credit, for example, the payment process shown in S5 is performed. That is, the server 1 first requests a credit number from the mobile phone 3 in S501. Upon receiving this request, the mobile phone 3 displays the screen shown in FIG. 9C on the display unit 35, and inputs a credit number from the key input unit 34 in S502. In step S503, the input credit number is transmitted to the server 1.

  When the server 1 receives the credit number from the mobile phone 3, the server 1 inquires the credit company for the received credit number and confirms it in S504. If the credit number can be confirmed, the purchase of the 2000 yen electronic gift certificate by credit payment is completed.

  When the payment process is thus completed, the server 1 requests the mobile phone 3 for an image in S6. In response to this request, the mobile phone 3 displays the screen shown in FIG. 9D on the display unit 35, and selects an image using this screen in S7. Here, a “server” that is selected from images provided from the server 1 and a “camera” that is selected from images captured using the camera of the image capturing unit 37 of the mobile phone 3 are selected. It has become. When the image selection is completed, the selected image is transmitted to the server 1 in S8.

Upon receiving the image, the server 1 embeds the electronic gift certificate information that has been purchased in the received image using the digital watermark technique to create a first digital watermark image (image generation means). The digital watermark here embeds information in an image by a method such as using information for embedding the least significant bit of each pixel for an image in which each pixel is represented by 8-bit data. It is realized by. Other digital watermark techniques may be used.
Subsequently, the server 1 registers the management information of the created first digital watermark image in the database 6 in S10. In S11, the created first digital watermark image is transmitted to the mobile phone 3 (transmission means).

When the mobile phone 3 receives the first digital watermark image, the mobile phone 3 stores it in the storage unit 33 (storage means) in S12. Subsequently, in S13, the electronic gift certificate information is obtained from the first digital watermark image. The value information of 2000 yen is extracted from the extracted information, and is displayed on the display unit 35 together with the digital watermark image as shown in FIG.
Thus, the exchange between the mobile phone 3 and the server 1 when purchasing the electronic gift certificate is completed.

Next, the exchange between the mobile phone 3, the POS terminal 2, and the server 1 when the mobile phone 3 uses the electronic gift certificate to make a payment at the POS terminal 2 will be described based on the flowchart of FIG.
First, the cellular phone 3 selects “use” of the digital watermark image in S21 in a state where the screen shown in FIG. Thereby, in S22, a list of digital watermark images stored in the storage unit 33 is read out and displayed on the display unit 35 as shown in FIG. That is, if three digital watermark images are stored, all three are displayed. In this case, the value information of the electronic gift certificate may be extracted and displayed together.

  In this state, a digital watermark image to be used is selected in S23. As a result, the display screen of the display unit 35 is switched to the screen shown in FIG. In step S24, the image is confirmed. That is, if the selected image is acceptable, “Send” on the screen is checked, and if it is desired to select the image again, “Once” is checked on the screen. Then, when “transmission” on the screen is checked for settlement, the selected digital watermark image is transmitted to the POS terminal 2 by wireless communication in S25 (transmission means).

  When receiving the digital watermark image from the mobile phone 3, the POS terminal 2 extracts electronic gift certificate information from the digital watermark image in S26 (extraction means). Subsequently, in S27, the value information is verified using the electronic signature included in the electronic gift certificate information. If fraud is detected, the mobile phone 3 is notified that the electronic gift certificate cannot be used. When this notification is received, the mobile phone 3 displays, on S <b> 28, that the electronic gift certificate cannot be used as shown in FIG. 10D on the display unit 35, and ends the process.

  Further, if fraud is not detected in S27, the POS terminal 2 performs a settlement process using the extracted electronic gift certificate information in S29 (settlement means). That is, if the available amount of the extracted electronic gift certificate information is larger than the total payment amount of the purchased product, a new available amount is calculated by subtracting the total amount from the available amount. If it is less than the total amount, the available amount is subtracted from the total amount. And you will pay the shortfall in cash. Subsequently, in S30, the mobile phone 3 is notified of the completion of payment. Upon receipt of this notification, the cellular phone 3 disables the use of the used digital watermark image, that is, prohibits transmission, and displays the screen shown in FIG. From then on, the cellular phone 3 can update the digital watermark image described later.

  When the POS terminal 2 notifies the mobile phone 3 of the completion of the settlement, the POS terminal 2 updates the value information of the used electronic gift certificate in S32 (update means). That is, when the available amount is larger than the total amount, the value information is changed to a new available amount. When the available amount is equal to or less than the total amount, the value information is changed to used information, for example, “0”. Subsequently, in S33, the updated electronic gift certificate information, payment information, and store information are transmitted to the server 1.

Upon receiving the information from the POS terminal 2, the server 1 embeds the gift certificate information in an image corresponding to the ID of the electronic gift certificate information in S34, creates a second digital watermark image, and in S35 Then, the purchased product is acquired from the received settlement information, the used store is acquired from the store information, and the current value information is acquired from the electronic gift certificate information, and the management information of the electronic value in the database 6 is updated.
In this way, the processing when the mobile phone 3 uses the electronic gift certificate to make a payment at the POS terminal 2 is completed.

  In this way, by embedding the electronic gift certificate information in the image by the digital watermark technology, the user can obtain added value as the content of the image together with the electronic gift certificate information, and the electronic gift certificate embedded in the image Payment can be made at the POS terminal 2 using the information. Thereby, electronic gift certificate information can be used effectively. Also, by embedding the electronic gift certificate information in the image, the electronic gift certificate information can be transmitted and received in the same manner as the image transmission and reception. Therefore, the electronic gift certificate information can be sent by e-mail as if the image was sent by e-mail. Furthermore, since a dedicated application or the like is required to extract the electronic gift certificate information from the image, the electronic gift certificate information can be used while maintaining sufficient security.

Next, a digital watermark image update process will be described.
That is, as shown in FIG. 11, in S41, the mobile phone 3 selects the update process of the digital watermark image that has been disabled by the process of S31. In other words, “update” is selected and checked while the screen shown in FIG. Subsequently, in S42, the mobile phone 3 extracts electronic gift certificate information from the digital watermark image selected to be updated, and further extracts an ID. In step S43, the extracted ID is transmitted to the server 1.

  When the server 1 receives the ID from the mobile phone 3, the server 1 acquires a second digital watermark image corresponding to the ID from the database 6 and transmits it to the mobile phone 3 in S 44. When receiving the second digital watermark image, the cellular phone 3 overwrites the corresponding digital watermark image in the storage unit 33 and stores the second digital watermark image in S45. In S46, electronic gift certificate information is extracted from the second digital watermark image, and in S47, it is checked whether or not the value information of the electronic gift certificate information is used information.

  If the value information is not used information, the mobile phone 3 cancels the use prohibition of the digital watermark image, that is, the transmission prohibition and makes it available in S48. In step S49, the digital watermark image and the value information are displayed on the display unit 35 as shown in FIG. If the value information is used information, in S49, the digital watermark image and the used message are displayed on the display unit 35 as shown in FIG.

Next, an example of image selection in S7 of FIG. 7 will be described with reference to the flowchart of FIG. In this example, an image taken by the camera of the mobile phone 3 is used.
That is, in the state where the display shown in FIG. 14A is performed on the display unit 35 of the mobile phone 3, when “camera” is checked and selected in S51, the screen of the display unit 35 is displayed as shown in FIG. Switch to the display screen shown in b).

  In this state, it is selected whether to use a “stored image” previously captured by the camera of the image capturing unit 37 and stored in the storage unit 33 or to use a “new capture” that is newly captured by the camera. If it is determined in S52 that “new shooting” is selected, an image is shot using the camera of the image shooting unit 37 in S53. At this time, as shown in FIG. 14C, the new image D and the “Send” and “Retry” buttons are displayed on the display unit 35.

  Subsequently, in S54, the display image is confirmed. That is, when the shooting is to be performed again, “Once” is checked on the screen. Thereby, the new image D can be captured again by the camera. If the displayed new image D is employed, “Send” on the screen is checked. When “transmission” on the screen is checked, the photographed new image is transmitted to the server 1 by wireless communication in S55.

  If it is determined in S52 that “Saved image” is selected, a list of saved images is displayed on the display unit 35 as shown in FIG. In this state, an image to be used is selected in S57. As a result, the display screen of the display unit 35 is switched to the screen shown in FIG. In step S58, the display image is confirmed. That is, since the selected image and the “Send” and “Retry” buttons are displayed on the display unit 35, if this image is acceptable, check “Send” on the screen and select the image again. Sometimes check "once again" on the screen. When “Send” on the screen is checked, the selected image is sent to the server 1 by wireless communication in S55.

  In this way, an image in which the electronic gift certificate information is embedded can be an image taken by the user himself / herself using the camera of the mobile phone 3. As a result, the user can use a unique image unique to the user as a digital watermark image.

Next, another example of image selection in S7 of FIG. 7 described above will be described using the flowchart of FIG. This example is an example in which an image held by the server 1 is used.
That is, in the state where the display shown in FIG. 16A is performed on the display unit 35 of the mobile phone 3, the “server” is checked and selected in S61. As a result, an image list request is transmitted from the mobile phone 3 to the server 1.

  Upon receiving the list request, the server 1 reads out a list of images stored in the database 6 and transmits it to the mobile phone 3 in S62. When receiving the list of images, the mobile phone 3 displays the list on the display unit 35 as shown in FIG. In S64, an image to be used is selected using this display screen. When an image is selected, the lower surface displayed on the display unit 35 is switched to the screen shown in FIG. That is, the selected image and “OK” and “again” buttons are displayed.

  Subsequently, in S65, the display image is confirmed. That is, when the selection is redone, check “Once” on the screen. As a result, the display screen of the display unit 35 returns to the screen of FIG. 16B, and the selection can be made again. If the selected image is adopted, “OK” on the screen is checked. Thereby, in S66, the selected image is notified to the server 1 by wireless communication.

In this manner, the user can select the image in which the electronic gift certificate information is embedded from the list stored in the server 1 using the mobile phone 3. Thereby, the user can use a favorite image as a digital watermark image.
In this embodiment, the management of the digital watermark image in the server 1 is performed using the database 6, but the present invention is not limited to this, and the management may be performed using the storage unit 13.

(Second Embodiment)
In the first embodiment, the case where the update process of the digital watermark image is performed by the server 1 has been described, but in the second embodiment, the case where the update process of the digital watermark image is performed by the POS terminal 2 will be described.

  As shown in FIG. 17, the application execution unit 22 of the POS terminal 2 includes a program 221 that executes a digital watermark extraction function, a program 222 that executes an electronic value update function, a program 223 that executes an electronic value verification function, and a checkout function. In addition to the program 224 for executing, a program 225 for executing a digital watermark creating function for embedding an electronic value in an image to create a digital watermark image is provided.

  The exchange between the mobile phone 3, the POS terminal 2, and the server 1 when the mobile phone 3 uses the electronic gift certificate to make a payment at the POS terminal 2 is performed based on the flowchart shown in FIG. 19, but from S21 to S29 The same processing as in FIG. 8 is performed. When the POS terminal 2 performs the settlement process using the electronic gift certificate information in S29, subsequently, in S71, the value information of the used electronic gift certificate is converted into used information or reduced value information. In step S72, the digital gift certificate information extracted by the digital watermark creation function program 225 is embedded in the digital gift certificate information with the updated value information using the digital watermark technology to create a second digital watermark image. To do. In step S73, the created second digital watermark image is transmitted to the mobile phone 3.

  When receiving the second digital watermark image, the cellular phone 3 overwrites the corresponding image in the storage unit 33 and stores the second digital watermark image in S74. In S75, value information is extracted from the second digital watermark image. Subsequently, in S76, the mobile phone 3 checks whether or not the extracted value information is used information. If the value information is used information, transmission of the digital watermark image is prohibited in S77. In S78, the digital watermark image and used are displayed on the display unit 35 as shown in FIG. If the value information is not used information, that is, if the new value information has been reduced, the digital watermark image and the new value information are displayed on the display unit 35 as shown in FIG. Is displayed.

  On the other hand, when the POS terminal 2 transmits the digital watermark image to the mobile phone 3 in S73, the electronic gift certificate information, the payment information, and the store information are transmitted to the server 1 in S79. When the server 1 receives the information from the POS terminal 2, in S80, the server 1 obtains the purchased product from the received settlement information, the use store from the store information, and the current value information from the electronic gift certificate information, and the database 6 Update the management information of the electronic value.

  As described above, even when the update process of the digital watermark image is performed by the POS terminal 2, the electronic gift certificate information is embedded in the image by the digital watermark technique, and the digital watermark image is wirelessly transmitted from the mobile phone 3 to the POS terminal 2 for payment. Is the same, and the electronic gift certificate information can be used effectively. In addition, the same effects as those of the first embodiment described above can be obtained.

(Third embodiment)
In the first embodiment, the case where the update process of the digital watermark image is performed by the server 1 has been described, but in the third embodiment, the case where the update process of the digital watermark image is performed by the mobile phone 3 will be described.

  As shown in FIG. 20, the application execution unit 32 of the mobile phone 3 includes a program for executing a normal telephone function, a program 321 for executing a digital watermark extraction function, a program 322 for executing a value information verification function, an image Is provided with a program 323 for executing an electronic watermark creating function for embedding an electronic value into an electronic watermark image.

  The exchange between the mobile phone 3, the POS terminal 2, and the server 1 is performed based on the flowchart shown in FIG. 21, but the same processing as in FIG. 8 is performed from S21 to S29. Then, when the POS terminal 2 performs the settlement process using the electronic gift certificate information in S29, subsequently, in S81, the value information of the used electronic gift certificate is converted into used information or reduced value information. In step S82, the electronic gift certificate information based on the updated value information is transmitted to the mobile phone 3.

  When receiving the electronic gift certificate information from the POS terminal 2, the mobile phone 3 embeds the electronic gift certificate information in the image by using the digital watermark generation function program 323 and embeds the second digital watermark image using the digital watermark technology in S83. create. In step S84, the created second digital watermark image is overwritten on the corresponding image in the storage unit 33 and stored. In S85, it is checked whether or not the value information of the received electronic gift certificate information is used information. If the value information is used information, transmission of the digital watermark image is prohibited in S86. In step S87, the digital watermark image and used are displayed on the display unit 35. If the value information is not used information, that is, if the new value information is reduced, the digital watermark image and the new value information are displayed on the display unit 35 in S87.

  On the other hand, when the POS terminal 2 transmits the electronic gift certificate information to the mobile phone 3 in S82, the electronic gift certificate information, the payment information, and the store information are transmitted to the server 1 in S88. When the server 1 receives the information from the POS terminal 2, in S89, the server 1 acquires the purchased product from the received payment information, the store used from the store information, and the current value information from the electronic gift certificate information. Update the management information of the electronic value.

  As described above, even when the update process of the digital watermark image is performed by the mobile phone 3, the electronic gift certificate information is embedded in the image by the digital watermark technique, and the digital watermark image is wirelessly transmitted from the mobile phone 3 to the POS terminal 2 for payment. Is the same, and the electronic gift certificate information can be used effectively. In addition, the same effects as those of the first embodiment described above can be obtained.

(Fourth embodiment)
In this embodiment, an example will be described in which the server 1 encrypts an electronic value and embeds it in an image, and the mobile phone 3 decrypts and extracts the electronic value.

  As shown in FIG. 22, the application execution unit 12 of the server 1 includes a program 121 for executing a digital watermark creating function, a program 122 for executing an image presentation function, a program 123 for executing an electronic value issuing function, and a settlement function. In addition to the program 124 to be executed and the program 125 to execute the electronic value management function, there is further provided a program 126 to execute an encryption function for encrypting electronic gift certificate information that is electronic value with a secret key.

  As shown in FIG. 23, the application execution unit 32 of the mobile phone 3 includes a program for executing a normal telephone function, a program 321 for executing a digital watermark extraction function, a program 322 for executing a value information verification function, In addition to the program 323 for executing the digital watermark creation function, a program 324 for executing a decryption function for decrypting the encrypted electronic gift certificate information with a secret key is provided.

  The exchange between the mobile phone 3 and the server 1 is performed based on the flowchart shown in FIG. 24, but S1 to S4 and S5 to S12 perform the same processing as in FIG. When the server 1 issues the electronic gift certificate in S4, the server 1 encrypts the issued electronic gift certificate using the secret key in S91. And it transfers to the payment process by credit by S5.

  In S12, the mobile phone 3 receives the digital watermark image from the server 1 and stores it in the storage unit 33. Subsequently, in S92, the mobile phone 3 extracts the electronic gift certificate information from the received digital watermark image, Decrypt using the key. In S93, the value information is extracted from the decrypted electronic gift certificate information and displayed on the display unit 35 together with the digital watermark image.

  Thus, since the electronic gift certificate information is encrypted and embedded in the image, the security of the electronic gift certificate information can be further enhanced. In other respects, the same operational effects as those of the first embodiment described above can be obtained.

(Fifth embodiment)
In this embodiment, processing of the POS terminal when the POS terminal 2 receives an electronic watermark image obtained by encrypting electronic gift certificate information and embedding it in an image from the mobile phone 3 will be described.

  As shown in FIG. 25, the application execution unit 22 of the POS terminal 2 includes a program 221 that executes an electronic watermark extraction function, a program 222 that executes an electronic value update function, a program 223 that executes an electronic value verification function, In addition to the program 224 for executing the function and the program 225 for executing the digital watermark creation function, a program 226 for executing a decryption function for decrypting the electronic gift certificate information, which is an electronic value, with a secret key is provided.

The exchange between the mobile phone 3, the POS terminal 2, and the server 1 when the mobile phone 3 uses the electronic gift certificate to make a payment at the POS terminal 2 is performed based on the flowchart shown in FIG. 26, but S21 to S25, S27. ˜S33, S34, S35 perform the same processing as in FIG.
Upon receiving the digital watermark image from the mobile phone 3, the POS terminal 2 extracts the encrypted electronic gift certificate information from the received digital watermark image in S101, and subsequently, in S102, the decryption function program 226 Thus, the electronic gift certificate information is decrypted using the secret key. Thereafter, in S27, the electronic gift certificate information is verified.
As described above, even if the electronic gift certificate information encrypted by the POS terminal 2 is extracted and decrypted and then settled, the same effects as those of the first embodiment described above can be obtained. .

  In each of the embodiments described above, an electronic gift certificate is used as an electronic value, and the purchase of the purchased product is performed at the POS terminal 2 using the electronic gift certificate. That is, the present invention is not limited to this. However, the present invention can also be applied to those that handle ticket information as electronic value. In the case of ticket information, the value information includes information related to the date and time of the ticket, the venue, the seat, etc., and the payment device includes, for example, a gate device that opens and closes the gate, and the ticket information is embedded from a mobile phone. A system is conceivable in which the gate device receives the digital watermark image, extracts ticket information from the received digital watermark image, verifies the value information, and opens and passes the gate information if correct.

The figure which shows the structure of the whole system which concerns on the 1st Embodiment of this invention. FIG. 3 is a block diagram illustrating a configuration of a mobile phone in the embodiment. The block diagram which shows the structure of the server in the embodiment. The figure which shows the data structural example of the electronic value in the embodiment. The figure which shows the management state of the electronic value by the database of the embodiment. The block diagram which shows the structure of the POS terminal in the embodiment. The flowchart which shows the exchange between a mobile telephone and a server when purchasing an electronic gift certificate from the server in the embodiment. The flowchart which shows the exchange between a mobile telephone, a POS terminal, and a server when a mobile telephone pays with a POS terminal using an electronic gift certificate in the embodiment. The figure which shows the example of a display screen of the display part of a mobile telephone when purchasing an electronic gift certificate from the server in the embodiment. The figure which shows the example of a display screen of the display part of a mobile telephone when a mobile telephone pays with a POS terminal using an electronic gift certificate in the embodiment. 6 is a flowchart showing the exchange between the mobile phone and the server when the digital watermark image is updated in the embodiment. FIG. 6 is a diagram showing an example of a display screen on a display unit of a mobile phone when a digital watermark image is updated in the embodiment. The flowchart which shows an example of the image selection by the mobile telephone of FIG. The figure which shows the example of a display screen of the display part of a mobile telephone at the time of the image selection of FIG. The flowchart which shows the other example of the image selection by the mobile telephone of FIG. The figure which shows the example of a display screen of the display part of a mobile telephone at the time of the image selection of FIG. The figure which shows the main function program structures of the application execution part of the POS terminal which concerns on 2nd Embodiment of this invention. The figure which shows the example of a display screen of the display part of a mobile telephone when a mobile telephone pays with a POS terminal using an electronic gift certificate in the embodiment. The flowchart which shows the exchange between a mobile telephone, a POS terminal, and a server when a mobile telephone pays with a POS terminal using an electronic gift certificate in the embodiment. The figure which shows the main function program structures of the application execution part of the mobile telephone which concerns on 3rd Embodiment of this invention. The flowchart which shows the exchange between a mobile telephone, a POS terminal, and a server when a mobile telephone pays with a POS terminal using an electronic gift certificate in the embodiment. The figure which shows the main function program structures of the application execution part of the server which concerns on 4th Embodiment of this invention. The figure which shows the main function program structures of the application execution part of the mobile telephone in the embodiment. The flowchart which shows the exchange between a mobile telephone and a server when purchasing an electronic gift certificate from the server in the embodiment. The figure which shows the main function program structures of the application execution part of the POS terminal which concerns on the 5th Embodiment of this invention. The flowchart which shows the exchange between a mobile telephone, a POS terminal, and a server when a mobile telephone pays with a POS terminal using an electronic gift certificate in the embodiment.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 1 ... Server, 2 ... POS terminal (payment apparatus), 3 ... Mobile phone (mobile information terminal), 121 ... Digital watermark creation function program, 221 ... Digital watermark extraction function program, 222 ... Electronic value update function program, 224 ... Checkout Function program, 33... Storage unit.

Claims (16)

A mobile information terminal that holds the electronic value, a payment device that uses the electronic value of the mobile information terminal, and a server that manages the payment result of the payment device,
The server embeds an electronic value in an image using a digital watermark image creation function, generates an electronic watermark image, and transmits the digital watermark image generated by the image generation unit to the portable information terminal Means,
The settlement apparatus uses a receiving means, an extracting means for extracting an electronic value from an electronic watermark image received by the receiving means from the portable information terminal using an electronic value extracting function, and the extracted electronic value. A payment means for making a payment and an updating means for updating the contents of the electronic value after the payment,
The portable information terminal receives a digital watermark image from the server, a storage unit that stores the digital watermark image in the memory when the reception unit receives the digital watermark image, and transmits the digital watermark image stored in the memory to the payment device for payment. A payment system using electronic value, characterized in that a transmission means is provided.   2. The payment system using electronic value according to claim 1, wherein the payment apparatus further comprises a transmission means for transmitting a payment result by electronic value to the server.   The settlement apparatus further includes a transmission unit that transmits a settlement result by electronic value to the portable information terminal, and the portable information terminal includes a prohibition unit that prohibits transmission of the digital watermark image according to the settlement result. A payment system using the electronic value according to claim 1. The portable information terminal further includes an imaging device and an image transmission unit that transmits an image captured by the imaging device to a server.
2. The payment system using electronic value according to claim 1, wherein the image generation means of the server generates an electronic watermark image by embedding the electronic value in the image received from the portable information terminal. The server further includes an image memory that stores a plurality of images, and an image transmission unit that transmits an image in the image memory to cause the portable information terminal to select an image. The image generation unit is selected by the portable information terminal. The digital image is generated by embedding the digital value in the image,
The portable information terminal further includes selection means for selecting one of the images received by the reception means from the server, and notification means for notifying the server of the image selected by the selection means. The payment system using the electronic value according to claim 1. A mobile information terminal holding electronic value, a payment device that performs payment using the electronic value of the mobile information terminal, and a server that manages payment information of the payment device,
The server includes an encryption unit that encrypts an electronic value, an image generation unit that embeds an electronic value encrypted using an electronic watermark image creation function and generates an electronic watermark image, and the image generation unit A transmission means for transmitting the generated digital watermark image to the portable information terminal;
The settlement apparatus includes a receiving unit, an extracting unit that extracts an electronic value encrypted using an electronic value extraction function from an electronic watermark image received by the receiving unit from the portable information terminal, and the extracted electronic value. Decrypting means for decrypting, settlement means for settlement using the decrypted electronic value, update means for updating the content of the electronic value after the settlement,
The portable information terminal receives a digital watermark image from the server, a storage unit that stores the digital watermark image in the memory when the reception unit receives the digital watermark image, and transmits the digital watermark image stored in the memory to the payment device for payment. A payment system using electronic value, characterized in that a transmission means is provided. A mobile information terminal that holds the electronic value, a payment device that uses the electronic value of the mobile information terminal, and a server that manages the payment result of the payment device,
The server includes a first image generation unit that embeds an electronic value in an image using a digital watermark image generation function and generates a first digital watermark image; and a payment device that uses the digital watermark image generation function. Similarly, the updated electronic value received from the settlement apparatus is embedded in the received image to generate a second digital watermark image, and the digital watermark image generated by each of the image generation means is the portable image. A transmission means for transmitting to the information terminal,
The settlement apparatus includes a receiving unit, an extracting unit that extracts an electronic value from the first digital watermark image received by the receiving unit from the portable information terminal using an electronic value extracting function, and the extracted electronic value. A payment means for making a payment using, an update means for updating the contents of the electronic value after the payment, and a transmission means for sending the image after the extraction of the electronic value and the updated electronic value to the server,
The portable information terminal includes a receiving unit, a first storing unit that stores the first digital watermark image in the memory when the receiving unit receives the first digital watermark image from the server, and a settlement of the first digital watermark image stored in the memory. An electronic apparatus comprising: a transmission unit configured to transmit to the settlement apparatus for the purpose; and a second storage unit that overwrites and stores in the memory when the reception unit receives a second digital watermark image from the server. Payment system using value. A mobile information terminal that holds the electronic value, a payment device that uses the electronic value of the mobile information terminal, and a server that manages the payment result of the payment device,
The server includes a first image generation unit that embeds an electronic value in an image using a digital watermark image creation function to generate a first digital watermark image, and the digital watermark image generated by the image generation unit A transmission means for transmitting to the information terminal,
The settlement apparatus uses a receiving means, an extracting means for extracting an electronic value from an electronic watermark image received by the receiving means from the portable information terminal using an electronic value extracting function, and the extracted electronic value. Payment means for payment, update means for updating the contents of the electronic value after the payment, and embedding the electronic value updated by the update means in the image after extraction of the electronic value using the digital watermark image creation function, A second image generation means for generating a second digital watermark image; and a transmission means for transmitting the second digital watermark image generated by the image generation means to the portable information terminal;
The portable information terminal includes a receiving unit, a first storing unit that stores a first digital watermark image from the server when the receiving unit receives the first digital watermark image, and a digital watermark image stored in the memory for settlement. A payment system using electronic value, comprising: a transmission unit that transmits to the payment device; and a second storage unit that overwrites and saves the second digital watermark image from the payment device. . A mobile information terminal that holds the electronic value, a payment device that uses the electronic value of the mobile information terminal, and a server that manages the payment result of the payment device,
The server includes a first image generation unit that embeds an electronic value in an image using a digital watermark image creation function to generate a first digital watermark image, and the digital watermark image generated by the image generation unit A transmission means for transmitting to the information terminal,
The settlement apparatus includes a receiving unit, an extracting unit that extracts an electronic value from the digital watermark image received by the receiving unit from the portable information terminal using an electronic value extracting function, and uses the extracted electronic value. A settlement means for settlement, an update means for updating the contents of the electronic value after the settlement, and a transmission means for transmitting the updated electronic value to the portable information terminal,
The portable information terminal includes a receiving unit, a first storing unit that stores a first digital watermark image from the server when the receiving unit receives the first digital watermark image, and a digital watermark image stored in the memory for settlement. Transmission means for transmitting to the settlement apparatus; and second image generation means for generating a second digital watermark image by embedding the updated electronic value received from the settlement apparatus in the image using a digital watermark image creation function And a second storage unit for overwriting and storing the second digital watermark image generated by the image generation unit in the memory.   2. The portable information terminal further includes an extracting unit that extracts an electronic value from an electronic watermark image by using an electronic watermark extracting function, and a display unit that displays the extracted electronic value. , 6, 7 or 8, the payment system using the electronic value. A payment device that uses an electronic value held by a portable information terminal,
Receiving means for receiving an electronic watermark image embedded with an electronic value from the portable information terminal holding the electronic value embedded in the image using the electronic watermark image creating function, and an electronic watermark image received by the receiving means The electronic value extraction function is used to extract the electronic value, the payment means that uses the extracted electronic value to make a payment, and the update means that updates the content of the electronic value after the payment. A settlement apparatus characterized by that. A payment device that uses an electronic value held by a portable information terminal,
Receiving means for receiving an electronic watermark image embedded with an electronic value from the portable information terminal holding the electronic value embedded in the image using the electronic watermark image creating function, and an electronic watermark image received by the receiving means An electronic value extraction function using the electronic value extraction function, a payment means for making a payment using the extracted electronic value, an update means for updating the electronic value after the payment, an electronic value A payment apparatus comprising: a transmission unit that transmits the extracted image and the updated electronic value to the server. A payment device that uses an electronic value held by a portable information terminal,
Receiving means for receiving an electronic watermark image embedded with an electronic value from the portable information terminal holding the electronic value embedded in the image using the electronic watermark image creation function, and a first received by the receiving means Extraction means for extracting an electronic value from an electronic watermark image using an electronic value extraction function, a payment means for making a payment using the extracted electronic value, and an updating means for updating the contents of the electronic value after the payment , An image generation unit that embeds the electronic value updated by the update unit in the image after the extraction of the electronic value using the digital watermark image creation function, and generates a second digital watermark image, and the image generation unit generates And a transmission means for transmitting the second digital watermark image to the portable information terminal. A payment device that uses an electronic value held by a portable information terminal,
Receiving means for receiving an electronic watermark image embedded with an electronic value from the portable information terminal holding the electronic value embedded in the image using the electronic watermark image creating function, and an electronic watermark image received by the receiving means The electronic value extraction function is used to extract the electronic value, the payment method using the extracted electronic value is settled, and the electronic value is updated after the payment is updated. A payment apparatus, comprising: a transmission unit configured to transmit the electronic value to the portable information terminal. A server for managing a settlement result of a settlement apparatus that uses an electronic value held by a portable information terminal,
A first image generation unit that embeds an electronic value in an image using a digital watermark image creation function and generates a first digital watermark image; and an image received from the settlement apparatus using a digital watermark image creation function Similarly, a second image generation unit that embeds the updated electronic value received from the settlement apparatus and generates a second digital watermark image, and transmits the digital watermark image generated by each of the image generation units to the portable information terminal. And a transmission means. A portable information terminal that holds electronic value transmitted from a server that manages payment of electronic value, and transmits the electronic value to a payment device for payment,
First receiving means for receiving, from the server, a first digital watermark image in which electronic value is embedded using a digital watermark image creating function, and a first digital watermark image received by the first receiving means A first storage unit that stores the electronic watermark image stored in the memory, a transmission unit that transmits the electronic watermark image stored in the memory to the settlement device for settlement, and a second unit that receives the updated electronic value from the settlement device. A receiving means; a second image generating means for generating a second digital watermark image by embedding the updated electronic value received in the image using the digital watermark image creating function; and a second image generating means generated by the image generating means. A portable information terminal, comprising: a second storage unit that overwrites and stores the two digital watermark images in the memory.

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