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WO2001077921A1 - Procede d'authentification et de reglement - Google Patents

Procede d'authentification et de reglement Download PDF

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Publication number
WO2001077921A1
WO2001077921A1 PCT/JP2001/003035 JP0103035W WO0177921A1 WO 2001077921 A1 WO2001077921 A1 WO 2001077921A1 JP 0103035 W JP0103035 W JP 0103035W WO 0177921 A1 WO0177921 A1 WO 0177921A1
Authority
WO
WIPO (PCT)
Prior art keywords
biometric data
settlement
authentication
network
purchaser
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/JP2001/003035
Other languages
English (en)
Japanese (ja)
Inventor
Syunichi Nakanishi
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Cyber SIGN Japan Inc
Original Assignee
Cyber SIGN Japan Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Cyber SIGN Japan Inc filed Critical Cyber SIGN Japan Inc
Publication of WO2001077921A1 publication Critical patent/WO2001077921A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0861—Network architectures or network communication protocols for network security for authentication of entities using biometrical features, e.g. fingerprint, retina-scan
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2463/00—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00
    • H04L2463/102—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00 applying security measure for e-commerce

Definitions

  • the present invention relates to a system for selling products on a network.
  • the present invention relates to a network trading method for performing personal authentication and settlement on behalf of individuals using biometric data.
  • FIG. 1 The configuration diagram of such a commercial transaction system is shown in FIG.
  • the store 10 on the network publishes a so-called WEB page regarding product introduction and order reception via the Internet 12.
  • the purchaser 14 browses the web page via the Internet and determines a product or the like to purchase. Then, on the WEB page for ordering goods, enter the address and name of the buyer and specify the payment method.
  • Various methods are used as a method of paying for goods and the like. For example, a buyer may choose to pay by credit card. With credit card settlement, the buyer enters the credit card number along with his / her name on the WEB page.
  • the present invention has been made in view of such a problem, and an object of the present invention is to construct a transaction system on a network in which a credit card number or the like does not flow on the network.
  • the biometric data is instead passed on the network.
  • the present invention employs the following means.
  • the present invention stores a receiving step of receiving biometric data via a network, an individual's biometric data, and information on a settlement method selected by the individual.
  • biometric data is sent to the network instead of the payment method, and personal authentication and information on the payment method are simultaneously performed. As a result, no information about the payment method flows to the network.
  • the authentication and settlement method wherein the biometric data is signature data.
  • a receiving step of receiving the biometric data of the product purchaser, the product purchase information of the product purchaser, and the received biometric data and the product purchase information A product sales method characterized by including a requesting step of requesting externally for authentication of the product purchaser and settlement of the product purchase by transmitting the product via the network.
  • the present invention is the product selling method, wherein the receiving step receives, via a network, biometric data of the product purchaser and product purchase information of the product purchaser.
  • the system is configured to receive biometric data via a network, so-called network transactions can be performed. Even in this case, there is no need to send any information on the settlement method to the network, so that the purchaser's personal information is not leaked to a third party and smooth transactions can be performed.
  • the biometric data is signature data.
  • the present invention provides a storage unit for storing biometric data of an individual, information on a settlement method selected by the individual, a receiving unit for receiving the biometric data via a network, and the receiving unit. And a retrieval means for retrieving the received biometric data from the storage means, and retrieving information on the payment method selected by the individual having the retrieved biometric data.
  • the present invention is the authentication and settlement system, wherein the biometric data is signature data. Since signature data is difficult to forge, it is extremely difficult for third parties to commit fraud. BRIEF DESCRIPTION OF THE FIGURES
  • FIG. 1 is an overall configuration diagram of a network transaction system according to a preferred embodiment 1 of the present invention.
  • FIG. 2 is a flowchart showing the registration operation.
  • Fig. 3 is a flowchart showing the operation of a buyer actually purchasing a product from a store.
  • FIG. 4 is a configuration block diagram of the server of the authentication and settlement mechanism.
  • Figure 5 is a block diagram of a conventional network commerce system. BEST MODE FOR CARRYING OUT THE INVENTION
  • FIG. 1 shows an overall configuration diagram of a network transaction system according to a preferred embodiment 1 of the present invention.
  • a store 10 and a purchaser 14 are connected to the Internet 12.
  • the buyer 14 places an order for goods to the store 10 via the Internet 12.
  • the server of the authentication and settlement machine 20 is connected to the Internet 12.
  • the server of the authentication and settlement mechanism 20 stores the biometric data of the buyer 14 and information on the settlement method selected by the buyer 14. Then, for the biometric data provided from the outside via the Internet 12, the purchaser 14 having the biometric data is searched from the server, and the settlement method selected by the buyer 14 is selected. Based on, the authentication settlement mechanism 20 performs the settlement instead of the store 10. For example, in the case of payment using a credit card, the authentication and settlement mechanism 20 performs procedures for the credit company 16 and reports the result to the store 10 separately. With such a configuration, not only the credit card number but also information on the payment method selected by the buyer does not flow on the Internet 12 at all. Therefore, according to the first embodiment, more secure network transactions are possible, and the privacy of the buyer is maintained.
  • the authentication and settlement mechanism 20 may be constituted by a corporation such as a stock company or may be constituted by an unincorporated organization. As described above, the authentication and settlement mechanism 20 authenticates the purchaser 14 in accordance with the information stored in the internal server, and performs settlement of the transaction.
  • FIG. 2 shows a flowchart showing this registration operation.
  • This server corresponds to the authentication settlement system of the present invention.
  • step S2-1 the buyer 14 mails his or her settlement method together with his / her name and address to the authentication settlement mechanism 20.
  • mail is adopted, but any communication means other than a network may be used.
  • facsimile communication may be used, or it may be sent directly to the authentication and settlement mechanism 20.
  • Payment method is selected by each buyer 14 by bank account withdrawal, account transfer, payment by credit card, type of the card, number of payments in installments, etc. Further, it is preferable that the registered contents can be changed at any time by the buyer 14.
  • step S2-2 the authentication and settlement mechanism 20 registers the received information such as the settlement method in the server.
  • step S2-3 the date and time of inputting the signature data (biometric data) is notified to the buyer 14. This notification may be made via the Internet 12 or by mail or telephone.
  • step S2-4 at the specified date and time, the buyer 14 connects to the authentication and settlement mechanism 20 via the internet 12 and the signature data is written using the handwritten pad 14a. Then, the signature data is transmitted to the authentication and settlement mechanism 20. As shown in FIG. 1, each buyer 14 is provided with a handwritten pad 14a, and signature data can be input through the handwritten pad 14a.
  • signature data is used as biometric data.
  • biometric data for example, various biometric data such as a fingerprint, a voiceprint, and a retinal pattern can also be used.
  • step S2-5 this signature data (biometric data) is registered in the server of the authentication and settlement mechanism 20.
  • the server of the authentication and settlement mechanism 20 stores (1) the signature data (biometric data) of the individual, and (2) the settlement method selected by the individual.
  • step S3-1 the buyer 14 browses the WEB page of the store 10 and issues a purchase request for a product.
  • the purchase request itself is the same as the conventional operation.
  • step S3-2 the buyer 14 inputs the signature data according to the instruction on the WEB page. This input is performed using the handwritten pad 14a, and the input signature data is transmitted to the WEB server of the store 10.
  • step S3-3 the signature data sent to the store 10 and data such as the price of the purchased product are transmitted to the authentication settlement mechanism 20.
  • step S3-4 a search for signature data is performed.
  • the authentication settlement mechanism 20 retrieves the transmitted signature data from the server.
  • step S3-5 the individual (buyer 14) substitutes for the store 10 on behalf of the store 10 based on the payment method selected in advance.
  • the settlement procedure is performed for the credit company 16.
  • the result of performing the procedure on behalf of store 10 is reported to store 10 (step S3-6).
  • Step S3-7 if the corresponding person of the signature data is not found, it means that the authentication of the individual has failed, and the failure is reported to the store 10.
  • the business model of the authentication settlement mechanism 20 it is not necessary to include any information on the settlement method such as the credit card number in the communication with the store 10 on the Internet.
  • the business model of the first embodiment since no personal information flows on the Internet, it is possible to realize smooth network transactions while ensuring the security of purchaser transactions.
  • the authentication and settlement mechanism 20 performs the procedures for the credit company 16 on behalf of the credit company 16.However, based on the selection of the buyer 14, the settlement of the settlement to It is equally possible to act on behalf of a procedure.
  • the authentication and settlement mechanism 20 performs settlement on behalf of the user.
  • the authentication and settlement mechanism 20 passes information on the settlement method to the store 10 and the store 10 performs the settlement as before.
  • the method used is also preferred.
  • the authentication and settlement mechanism 20 transmits information on the settlement method to the store 10 by means other than the network such as the Internet.
  • information on settlement is transmitted to the store 10 by mail or the like.
  • This server corresponds to the authentication and settlement system of the present invention.
  • Fig. 4 shows a configuration block diagram of this server.
  • the server 30 includes storage means 32 for storing personal signature data and the like, and communication means 34 for receiving signature data and the like transmitted by the store 10.
  • the storage means 32 is composed of a hard disk or the like, and stores the following items by the above-described registration operation.
  • the authentication and settlement mechanism 20 authenticates the individual based on the signature data sent by the store 10 and knows the settlement method if the authentication is successful. It is possible.
  • the communication means 34 is means for connecting to the Internet 12 and means for transmitting and receiving signature data and the like to and from the store 10 and the like.
  • the communication means 34 corresponds to the receiving means of the present invention.
  • the server 30 includes a search unit 36.
  • the search means 36 searches the storage means 32 for the signature data received from the store 10 by the communication means 34. As described above, the failure of the search means that the authentication has failed, and the search means 36 reports to the store 10 that the authentication has failed via the communication means 34. On the other hand, a successful search means a successful authentication, and the search means 36 Subsequently, the settlement method selected by the individual having the signature data is taken out from the storage means 32.
  • the authentication settlement mechanism 20 performs a settlement proxy procedure based on the extracted information on the settlement method, and reports the result to the store 10.
  • the server 30 it is possible to simultaneously perform personal authentication and settlement, and it is possible to smoothly perform an authentication settlement operation.
  • the authentication and settlement mechanism 20 is provided separately from the store 10, but it is a preferable business model to operate the store in combination with the store 10 as well.
  • the server 30 described above is provided inside the store 10 and the server 10 stores the server 10 based on the personal settlement method retrieved from the storage means 32. The body will perform the settlement procedure. Therefore, it can no longer be called proxy processing.
  • the configuration of the second embodiment is also applicable to the case where the purchaser 14 purchases a product at a store, similarly to the first embodiment. Further, in this case, since the signature data is not transmitted via the Internet 12, the communication means 34 becomes unnecessary from the configuration of FIG.
  • the authentication of the individual and the acquisition of the settlement method can be outsourced. Therefore, it is possible to sell products without knowing any settlement method.
  • a system that can simultaneously perform personal authentication and acquisition of information on an individual settlement method from biometric data is obtained, so that it is possible to purchase products using only biometric data. it can.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Computer Security & Cryptography (AREA)
  • Economics (AREA)
  • Technology Law (AREA)
  • Marketing (AREA)
  • Development Economics (AREA)
  • Health & Medical Sciences (AREA)
  • Biomedical Technology (AREA)
  • General Health & Medical Sciences (AREA)
  • Computer Hardware Design (AREA)
  • Computing Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un système de négociation configuré dans un réseau de façon que les numéros de cartes de crédit restent à l'abri des fuites et de la divulgation par le réseau. A cet effet, un serveur d'un mécanisme d'authentification et de règlement (20), conserve en mémoire, d'une part la biométrie de l'acheteur (14), et d'autre part l'information sur le mode de règlement sélectionné par l'acheteur (14). Lorsque la biométrie de l'acheteur (14) existe déjà, le serveur utilise l'Internet pour se procurer à l'extérieur les données biométriques correspondantes. Par rapport au mode de règlement choisi par l'acheteur (14), le mécanisme d'authentification et de règlement (20) agit pour le compte d'un magasin (10). L'information concernant le mode de règlement choisi par l'acheteur reste donc à l'abri des fuites et d'une divulgation sur l'ensemble de l'Internet (12). Il en résulte une plus grande sécurité des transactions commerciales par le réseau, et une meilleure protection de la vie privée de l'acheteur.
PCT/JP2001/003035 2000-04-12 2001-04-09 Procede d'authentification et de reglement Ceased WO2001077921A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
JP2000110111A JP2001297284A (ja) 2000-04-12 2000-04-12 認証決済方法及び商品販売方法及び認証決済システム
JP2000-110111 2000-04-12

Publications (1)

Publication Number Publication Date
WO2001077921A1 true WO2001077921A1 (fr) 2001-10-18

Family

ID=18622683

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/JP2001/003035 Ceased WO2001077921A1 (fr) 2000-04-12 2001-04-09 Procede d'authentification et de reglement

Country Status (2)

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JP (1) JP2001297284A (fr)
WO (1) WO2001077921A1 (fr)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2022054997A (ja) * 2020-09-28 2022-04-07 グローリー株式会社 認証システム

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1996008783A1 (fr) * 1994-09-16 1996-03-21 First Virtual Holdings, Inc. Systeme de paiement informatise pour l'achat de produits d'information par transfert electronique sur internet
JPH1021305A (ja) * 1996-07-01 1998-01-23 Hitachi Maxell Ltd 電子商品取引システム
WO1998041947A1 (fr) * 1997-03-17 1998-09-24 Smarttouch, Inc. Systeme d'identification sans jeton lie a l'utilisation
US5841970A (en) * 1995-09-08 1998-11-24 Cadix, Inc. Authentication method for networks

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1996008783A1 (fr) * 1994-09-16 1996-03-21 First Virtual Holdings, Inc. Systeme de paiement informatise pour l'achat de produits d'information par transfert electronique sur internet
US5841970A (en) * 1995-09-08 1998-11-24 Cadix, Inc. Authentication method for networks
JPH1021305A (ja) * 1996-07-01 1998-01-23 Hitachi Maxell Ltd 電子商品取引システム
WO1998041947A1 (fr) * 1997-03-17 1998-09-24 Smarttouch, Inc. Systeme d'identification sans jeton lie a l'utilisation

Also Published As

Publication number Publication date
JP2001297284A (ja) 2001-10-26

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