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WO2015155840A1 - Terminal portable, serveur de distribution, procédé de commande et programme - Google Patents

Terminal portable, serveur de distribution, procédé de commande et programme Download PDF

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Publication number
WO2015155840A1
WO2015155840A1 PCT/JP2014/060216 JP2014060216W WO2015155840A1 WO 2015155840 A1 WO2015155840 A1 WO 2015155840A1 JP 2014060216 W JP2014060216 W JP 2014060216W WO 2015155840 A1 WO2015155840 A1 WO 2015155840A1
Authority
WO
WIPO (PCT)
Prior art keywords
payer
mobile terminal
biometric information
payment
electronic value
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/JP2014/060216
Other languages
English (en)
Japanese (ja)
Inventor
喜久美 甲斐
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.)
Rakuten Edy Inc
Rakuten Group Inc
Original Assignee
Rakuten Inc
Rakuten Edy 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 Rakuten Inc, Rakuten Edy Inc filed Critical Rakuten Inc
Priority to JP2016500002A priority Critical patent/JP5985103B2/ja
Priority to PCT/JP2014/060216 priority patent/WO2015155840A1/fr
Priority to TW104111261A priority patent/TWI578245B/zh
Publication of WO2015155840A1 publication Critical patent/WO2015155840A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • 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
    • G06Q20/40145—Biometric identity checks
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices

Definitions

  • the present invention relates to a portable terminal that an operator presents to an electronic value payer, a distribution server that distributes a program executed on the portable terminal, a control method for the portable terminal, and the program.
  • the payer moves the portable device close to the reader / writer operated by the provider of the goods or services, so that he / she only touches the portable device and the reader / writer.
  • NFC Near Field Communication
  • the electronic value associated with the portable device is reduced by the amount of payment.
  • the portable device and the reader / writer do not need to be in contact with each other, but the distance typically needs to be close to several millimeters.
  • This electronic circuit generally operates by electric power generated by electromagnetic induction by NFC radio waves emitted from a reader / writer.
  • mobile terminals such as mobile phones and smartphones are also widely used in the same way as above, which incorporates an NFC electronic circuit inside, as well as an NFC card in a SIM card for telephone communication (Subscriber Identity Card).
  • SIM card for telephone communication
  • a device provided with a communication function has also been proposed.
  • radio waves emitted from the reader / writer can be used as a power source, and power can be supplied from a battery included in the main body of the mobile terminal.
  • an electronic circuit for NFC that can receive power supply from the mobile terminal main body includes (a) card emulation that works as a portable device to carry in and out electronic value in the account assigned to the electronic circuit Mode, (b) Reader / writer mode for processing information related to electronic value assigned to other portable devices and functioning as a reader / writer, (c) Various messages such as e-mail addresses between electronic circuits In many cases, it has a P2P (Peer To Peer) mode for sending and receiving.
  • P2P Peer To Peer
  • a mobile terminal such as a mobile phone or a smartphone can function as a wallet for electronic money, or can function as a reader / writer.
  • a technology for paying electronic value from an electronic money card by making the mobile terminal function as a reader / writer of an electronic money system and establishing communication by bringing the electronic money card close to the mobile terminal. It has been proposed (see Patent Document 1, paragraphs 0072 and 0073).
  • the mobile terminal used by the store owner for telephone calls can function as a reader / writer for the electronic money system, while reducing the cost of capital investment. Will be able to receive electronic value payments.
  • the store owner downloads the program for the portable terminal from the distribution server of the electronic money business operator and executes the program on the portable terminal.
  • the present invention is to solve the above-described problem, and a portable terminal suitable for suppressing unauthorized use in a portable terminal presented by an operator to a payer of electronic value, and a program executed by the portable terminal
  • An object is to provide a distribution server that distributes the program, a control method for the portable terminal, and the program.
  • the mobile terminal presented to the electronic value payer by the operator executes a program obtained from a distribution server, etc. Get the first biometric information of the payer, If the second biometric information acquired in the past does not match the first biometric information, the near field communication with the portable device used for payment of the electronic value is started by the payer.
  • Electronic value in the electronic money system has cash-like value.
  • Electronic value may be managed in the same currency unit so that it can be exchanged with cash or from one side to the other, or it may be converted at the time of exchange using an original unit. It is also possible to use various points given in accordance with user actions (purchasing products, answering questionnaires, visiting stores, etc.) as electronic value.
  • This embodiment can be applied to an electronic money system called a stored-value type.
  • electronic value also called “balance”
  • portable devices such as cards, mobile phones, and smartphones that incorporate electronic circuits. Manage in association.
  • a stored value type system it is common to store a numerical value of available electronic value in an electronic circuit of a portable device. This aspect corresponds to a state where cash is in the wallet.
  • the value associated with the portable device will be referred to as “remaining value” in comparison with “cash remaining in the wallet”.
  • a product or service provider accepts payment for a user by using a reader / writer that can communicate with a portable device.
  • a reader / writer that can communicate with a portable device.
  • communication between the portable device and the reader / writer becomes possible.
  • various commands are sent from the reader / writer to the portable device, the execution result of the command is available. Sent from the portable device to the reader / writer.
  • the remaining value associated with the portable device is decreased by the electronic value specified in the command. This corresponds to taking out cash from the wallet.
  • the decrease command is used when paying a consideration, that is, “billing” in a transaction for receiving provision of goods or services.
  • the electronic value specified in the decrease command is referred to as “price value”.
  • the heel increase command increases the remaining value associated with the portable device by the electronic value specified in the command. This corresponds to putting cash in the wallet.
  • the increase command is used, for example, when a user charges a portable device with electronic value corresponding to the cash instead of paying cash to the store clerk at the store.
  • an application that operates in the portable device responds to a command sent via the computer communication network. It is also possible to acquire or increase / decrease the residual value associated with the portable device. In this case, it is possible to pay the price and charge the remaining value without using the reader / writer.
  • the fact that the electronic value is increased or decreased by a decrease command or an increase command means that a value transfer has occurred between the payer and the provider.
  • the provider transmits this value transfer information to the electronic money management server.
  • the electronic money management server is operated by an operator of the entire electronic money service. If the payment information stored in the electronic money management server is added up, the total amount of electronic value that the provider has obtained or lost within that period can be obtained.
  • the provider If the provider has acquired electronic value, it can be obtained by exchanging cash from the operator. On the other hand, if the electronic value is lost, the provider is responsible for paying the operator cash or the like for the electronic value.
  • an intermediate trader may be interposed between the provider and the operator of the entire electronic money service.
  • This company is called an electronic money service provider, and provides advice and support for the provision of infrastructure and handling of electronic value necessary for the provider to receive payment by electronic value.
  • a mobile terminal such as a mobile phone or a smartphone prepared by a provider is used as a reader / writer, but a program for causing the mobile terminal to function as a reader / writer is A distribution server prepared by an operator or business operator distributes it to mobile terminals.
  • NFC is used for communication between a portable terminal functioning as a reader / writer and a portable device within the communicable range, but infrared communication or Bluetooth (Bluetooth (registered trademark)) is used. It may be adopted.
  • Bluetooth Bluetooth (registered trademark)
  • the present embodiment can also be applied to an electronic money system called a server value method.
  • a server value method identification information of an account corresponding to a wallet of electronic value is acquired from a portable device, and the account and the remaining value in the account are managed in the server of the operator or operator.
  • the portable device functions as an identification tag for identifying an account, but does not store the remaining value itself.
  • the mobile terminal functions as a user interface for exchanging various information with a reader / writer and a human, and transmission / reception of commands to / from the portable device is controlled by a thin client server.
  • This thin client server may be prepared by the provider itself, or may be one in which the business operator has set a usage right for the provider.
  • the thin client server plays a role of depositing and outputting electronic value in the provider. Management information is exchanged between the thin client server and the operator regularly, typically once a day, and the total amount of electronic value owned by the provider is required.
  • this embodiment can also be applied to a so-called rich client system.
  • the portable terminal relays communication between the portable device and the server and is responsible for interaction with the user.
  • the portable terminal further serves as a server. Become. That is, the mobile terminal examines command transmission / reception with the portable device, and also bears regular communication with the operator.
  • the mobile terminal of this embodiment can use hardware such as a smartphone or a mobile phone, can be configured by a dedicated electronic circuit, or can be realized by causing a computer to execute a program. Is possible.
  • a technology such as FPGA (Field Programmable Gate Array) that compiles a program into an electronic circuit design script and dynamically configures the electronic circuit based on the design script. By applying, it is possible to configure the portable terminal of this embodiment.
  • the portable terminal of the present embodiment in order to prevent as much as possible unauthorized acts by the operator of the portable terminal (including the provider, the person hired by the provider, and the person who steals the portable terminal from the provider). Utilize various technologies. In the following, first, these techniques will be outlined.
  • the first technology uses the biometric information of electronic value payers.
  • the payer is requested to take an action such as touching a predetermined part of the mobile terminal, and the intention to agree to the payment is confirmed.
  • the same payer agrees to pay continuously.
  • the second technology uses the tilt of the mobile device.
  • the portable device is placed close to the NFC electronic circuit so that the payer can see the front or back of the card. It is common.
  • mobile terminals such as mobile phones and smartphones often have a plate shape, and electronic circuits for NFC are arranged on the front or back surface of the plate.
  • the electronic value can be paid through the mobile terminal.
  • the portable terminal is moved closer to the bottom of the bag.
  • the attitude of the fraudster at this time is unnatural and conspicuous. Therefore, it is considered that fraud can be suppressed.
  • the third technique is to notify a person around the portable terminal such as a payer by audible sound, visible light, or vibration when paying with electronic value.
  • the notification performed here is desirably performed with the maximum volume, the maximum light amount, and the maximum vibration.
  • the owner of the portable device is warned that the electronic value will be paid from the account of the portable device.
  • This notification can be sent before payment of electronic value (e.g. while prompting the payer for consent), during payment (e.g. while NFC chip searches for nearby portable devices), after payment (e.g. , After payment is successful and the portable device is ready to go.
  • FIG. 1 is an explanatory diagram showing an outline of a mobile terminal according to an embodiment of the present invention.
  • a description will be given with reference to FIG.
  • the mobile terminal 101 is realized by downloading a program distributed from a distribution server by a provider or operator of an electronic money system to terminal hardware such as a smartphone or a mobile phone.
  • programs executed on terminal hardware are compact disk, flexible disk, hard disk, magneto-optical disk, digital video disk, magnetic tape, ROM (Read (Only Memory), EEPROM (Electrically Erasable Programmable ROM), flash memory, semiconductor It can be recorded on a computer-readable non-transitory information recording medium such as a memory. This information recording medium can also be distributed and sold independently of the terminal hardware.
  • a program recorded in a non-transitory information recording medium such as a flash memory is read after being read into RAM (Random Access Memory), which is a temporary storage device.
  • RAM Random Access Memory
  • CPU Central Processing Unit
  • the CPU directly reads and executes instructions included in the program stored in ROM.
  • the above program is distributed to terminal hardware etc. from a distribution server managed by the operator via a transitory transmission medium such as a computer communication network, independently of the computer on which the program is executed. ⁇ Can be sold.
  • the mobile terminal 101 includes an acquisition unit 102 and a control unit 103. Further, a prompt unit 104, a holding unit 105, an erasing unit 106, a notification unit 107, a setting unit 108, and a detection unit 109 are provided as optional elements. The operation of each part will be outlined below.
  • the bag acquisition unit 102 acquires biometric information of a payer who intends to pay electronic money.
  • biometric information a payer's fingerprint, voiceprint, face shape, retina shape, iris shape, or the like can be used.
  • the biometric information is acquired using a fingerprint sensor, a touch panel, a microphone, a camera, or the like included in the terminal hardware.
  • Prompt unit 104 outputs a message prompting the payer to take an action to agree to the payment.
  • the message is displayed on a display device such as a touch screen included in the terminal hardware under the control of the CPU included in the terminal hardware.
  • the action may be urged by voice from a speaker or the like included in the terminal hardware.
  • the action it is possible to make the payer touch the button displayed on the touch screen, or to make the payer agree to the payment by voice.
  • the biometric information is acquired from the action performed by the payer, it is considered that the psychological resistance of the payer is reduced and the transaction proceeds smoothly.
  • a payer's effort can be reduced.
  • the payer when fingerprints are adopted as biometric information, when consenting to payment, the payer is prompted to touch the fingerprint sensor of the terminal hardware, and the action can be taken when the fingerprint is acquired from the fingerprint sensor. It is considered that it was done.
  • the payer's fingerprint may be acquired from a touch screen of the terminal hardware.
  • the utterance of the payer that consents to the payment is acquired by the microphone of the terminal hardware, and it is determined whether or not an action has been taken from the result of voice recognition of the utterance. At the same time, when an action is taken, a voiceprint is acquired from the utterance.
  • a camera for self-photographing of terminal hardware can be used.
  • the display device displays an image photographed by the camera, and also displays a figure of a frame that serves as a guide. And if you agree with payment, move the terminal hardware or payer's face so that the contour of the photographed payer's face and eyes almost match the border of the guide, then for a predetermined time Encourage the payer to take action to maintain that position (several seconds).
  • the shape of the face, retina, and iris are also acquired.
  • image and sound information acquired by a sensor, a microphone, and a camera are not used as biometric information as they are, but feature values extracted from these pieces of information are used as biometric information.
  • a more suitable system is realized from the viewpoint of privacy.
  • the process of extracting feature quantities from the acquired image and audio information is performed using a CPU of the terminal hardware or a dedicated chip for biometric information processing. A known technique may be employed.
  • the bag holder 105 holds the payer's biometric information acquired in the past for a predetermined period or a predetermined number.
  • the holding unit 105 may separately hold biological information of an operator who operates terminal hardware such as a store clerk or a salesperson.
  • the holding unit 105 is realized by a nonvolatile non-transitory storage device, for example, a flash memory included in terminal hardware.
  • the bag control unit 103 controls payment by electronic value, and is realized by a CPU included in the terminal hardware.
  • the control unit 103 determines the possibility of fraudulent activity and determines whether or not to accept payment of electronic value as it is according to the possibility. If the electronic value payment is accepted as it is, the NFC chip of the terminal hardware is controlled to search for a nearby portable device. If a portable device is detected, a decrease command is transmitted to the portable device, the result is received, and if the decrease command is successful, it is assumed that payment of electronic value is completed.
  • the payment of the electronic value from the payer may be rejected, or the electronic value payment process may be started after passing another high-level check.
  • each of the payer's biometric information acquired in past transactions and payments and the payer who is going to pay the electronic value this time are acquired. Some biometric information is collated. In this aspect, if any of the former matches the latter, that is, if it is determined that the past payer is also a payer this time, there is a high possibility of fraud, and the current payer If it is determined that it is different from any of the past payers, it is determined that the possibility of fraud is low.
  • the erasure unit 106 erases the biometric information acquired the oldest of the payer from the holding unit 105. That is, the holding unit 105 is realized by the CPU of the terminal hardware cooperating with the flash memory or the like. As described above, the holding unit 105 holds the biometric information of the payer acquired in the past for a predetermined period or a predetermined number.
  • the holding unit 105 holds only one piece of payer's biometric information acquired in the past, or the deletion unit 106 deletes the oldest biometric information after payment of electronic value, and the payment completed this time
  • the payer's biometric information held in the holding unit 105 is only the biometric information of the payer who has just been paid for electronic value, and the previous payer's biometric information. Information is not retained. For this reason, further consideration can be given to the payer's privacy.
  • the biometric information acquired by the acquisition unit 102 matches the biometric information of the operator held in the holding unit 105, the payer's explicit consent has not been given, and the operator takes action instead. It is highly probable that he took In such a case, it is desirable that the electronic value is not paid unless a higher level check is passed, considering that there is a possibility of fraud.
  • the notification unit 107 emits audible sound, visible light, vibration, and the like to be paid for electronic value by a display device included in the terminal hardware, a speaker, a vibrator, an LED (Light Emitting Diode), a lamp, etc. Inform people in the vicinity of the terminal 101.
  • the operator can set the output intensity (brightness and blinking pattern, sound volume, vibration magnitude and pattern) of the display device, speaker, vibrator, LED and lamp via the setting unit 108.
  • the notification that the electronic value is paid is output with the predetermined strength even if the operator setting is weaker than the predetermined strength. If the operator setting is greater than or equal to a predetermined strength, the output may be output at the predetermined strength, or may be performed according to the operator setting. By being noticeable, it is possible to suppress fraudulent acts such as crowds.
  • the eyelid detection unit 109 is realized by various sensors that detect various states of the terminal hardware. For example, according to the tilt sensor, the orientation or attitude of the terminal hardware can be acquired. Therefore, only when the angle formed by the horizontal plane and the surface where the front and rear surfaces of the plate-shaped terminal hardware are spread is smaller than a predetermined threshold value and approximately parallel, the control unit 103 is not connected to the portable device. If NFC is performed and the angle is outside the specified range, NFC can be restricted, so that the attitude of the operator when receiving payment of electronic money can be limited, and illegal activities such as crowding Action can be suppressed.
  • a tilt sensor if a tilt sensor is used, a change in the tilt of the terminal hardware can be acquired. If a microphone is used, an audible sound around the terminal hardware can be acquired.
  • a technique for acquiring the current ambient brightness based on an image photographed by a brightness sensor or a camera in order to determine the necessity of flash photography using an LED or the like, there is a technique for acquiring the current ambient brightness based on an image photographed by a brightness sensor or a camera.
  • the CPU or dedicated chip of the terminal hardware matches the change in voice, brightness, and tilt measured by the sensor with the pattern of change in notification by the notification unit 107, so that the notification is actually sent to the surrounding people.
  • the size that is perceived by can be detected.
  • the size of the detected notification is sufficiently large compared to the strength at the time of outputting the notification, unauthorized modification of the terminal hardware (for example, covering the speaker, covering the LED, removing the vibrator, etc.) ) Or failure.
  • the size of the detected notification is smaller than the strength at the time of outputting the notification according to a predetermined criterion, there is a possibility of unauthorized modification or failure of the terminal hardware. It can be determined that there is a possibility of fraud.
  • the location of the terminal hardware can be detected using GPS.
  • it can be determined whether or not the use area is within the use area based on the detection result of GPS.
  • the terminal hardware has a wireless LAN (Local Area Network) communication function
  • SSID Service Set IDentifier
  • a command for processing electronic value is exchanged between the portable device and the thin client server via the mobile terminal 101. Therefore, if the thin client server operates only within the LAN and cannot be reached from outside the LAN, and the physical area of the LAN is limited, the mobile terminal 101 communicates with the thin client server. If possible, it can also be determined to be within a specific region.
  • the first technology (payers' biometric information), the second technology (terminal hardware inclination), the third technology (notification by audible sound, etc.), the fourth technology (location)
  • the flow of processing in a mode in which all of the above restrictions are adopted will be described.
  • the first to fourth techniques can be appropriately selected and omitted.
  • fingerprints are used as biometric information and fingerprints are obtained from a touch screen.
  • various types of biometric information can be adopted. is there.
  • a business operator assigns a shop code and a password to each provider when a contract related to an electronic money service is made with a plurality of providers (shops). Based on the shop code and password, the business operator manages the accounting of electronic value for each provider.
  • FIG. 2 is a flowchart showing a flow of processing executed by the mobile terminal according to the embodiment of the present invention.
  • this process is started by executing a program on the terminal hardware, and the portable terminal 101 is realized by this process.
  • the mobile terminal 101 first receives an input of a shop code and a password assigned in advance to the provider in order to associate the mobile terminal 101 with the provider (step S201). ).
  • step S201 in this embodiment, first, an input form is displayed on the touch screen arranged on the surface of the terminal hardware.
  • FIG. 3 is a display example of an input form for the provider to log in to the thin client server.
  • a description will be given with reference to FIG.
  • a touch screen 252 is prepared on the surface of the terminal hardware 251, a camera 261 for photographing a person who is looking at the touch screen 252, a telephone call and In addition, a microphone 262 and a speaker 263 for inputting and outputting audio are also arranged. In this figure, an input form 301 is displayed on the touch screen 252.
  • a shop code field 302 and a password field 303 are prepared.
  • the operator inputs information into these using the terminal hardware software keyboard (not shown) and taps the next button 304, the entered shop code and password, and identification of the terminal hardware are displayed.
  • Information (manufacturing number, MAC address, etc.) is transmitted to the thin client server via the wireless LAN, and the portable terminal 101 and the provider are linked (step S202).
  • step S201 if there is an input error in the shop code or password and the authentication in the thin client server fails, the process returns to step S201 to request another input (not shown in the flowchart).
  • FIG. 4 is a display example of a fingerprint registration form for an operator to register biometric information.
  • the fingerprint registration form 401 is provided with an elliptical touch area 402 for touching a finger. If the operator's finger touches the touch area 402 according to “touch the operator (seller) 's finger on an ellipse” displayed in the message field 405 and the fingerprint feature information can be acquired from the touch state on the touch screen, the message field 405 Will display "Tap registration to register this fingerprint” (not shown).
  • FIG. 5A is an explanatory diagram for explaining an aspect of a holding unit that holds biological information.
  • FIG. 5B is an explanatory diagram for explaining another aspect of the holding unit that holds the biological information.
  • the heel holding unit 105 is provided with an operator area 451 for holding the operator's biometric information and a payer area 471 for holding the payer's biometric information as will be described later.
  • the operator area 451 of the present embodiment holds the biological information of the operator as an array, and “none” is recorded in each element in the initial state.
  • biometric information is to be registered in step S204, first, an element in which “none” is recorded is searched from the array, and the new operator's biometric information is written in the found element.
  • This figure shows a state in which only one operator's biological information is recorded.
  • the payer area 471 is an area for recording the payer's biological information, and details thereof will be described later.
  • FIG. 6 is a display example of an outline form for showing an outline of login and registration. Hereinafter, a description will be given with reference to FIG.
  • the shop code accepted in steps S 201 -S 204 and the number of registered fingerprints are displayed in the outline column 502.
  • the operator taps the next button 503. Then, the process proceeds to step S206.
  • step S205 If the shop code, password, and operator fingerprint feature information are stored in a non-volatile manner in a flash memory, etc., the explicit provider information entry and operator fingerprint registration will be omitted at the next program startup. Is possible. That is, the processing of steps S201 and S203-S204 is omitted, and the portable terminal 101 is associated with the provider in the thin client server by using the already stored shop code and password, and the process proceeds to step S205.
  • the detection unit 109 detects the current position of the mobile terminal 101 (step S206).
  • GPS can be used outdoors. Also, in situations where GPS accuracy is a problem, GPS is not available because payment is made inside the building, GPS positioning time and battery consumption are problems, nearby wireless LAN access points It is also possible to acquire the SSID and detect the current position from the information.
  • step S207 it is determined whether or not the detected current position is within an available area allocated in advance to the shop code.
  • the available area information is downloaded from the thin client server to the mobile terminal 101 when the association is performed.
  • step S206 After detecting the physical current position (step S206), it is not determined whether the position is within the usable range (step S207), but a specific node in the LAN (for example, in the LAN) Whether or not the current position is within the available area may be determined based on whether communication with a POS register, a management computer, a network printer, or the like is possible.
  • step S207 If it is found that the mobile terminal 101 is in an available area by these methods (step S207; Yes), acceptance of payment of electronic value is started. On the other hand, if the mobile terminal 101 is not in the available area (step S207; No), in this aspect, the process returns to step S201 and is initialized again. However, after issuing a warning to the operator, the process may return to step S206, or the program itself may be terminated.
  • FIG. 7 is a display example of an amount form that requests input of the amount of electronic value related to payment.
  • a description will be given with reference to FIG.
  • a value field 602 for displaying the amount of electronic value for which payment is required and a software keyboard 603 are arranged.
  • the operator taps a number key on the software keyboard 603 the number assigned to the key is added to the value field 602. If the operator taps the delete key, the value in the value field 602 is deleted from the end.
  • FIG. 8 is a display example of a payment confirmation form that asks the payer to take an action to agree to the payment.
  • the amount of electronic value to be paid by the payer entered in the amount form 601 and a message “Touch an ellipse if you agree to payment” are displayed. If there is an error in the amount, for example, if the return button 705 is tapped, it is possible to return to step S208 to re-enter the amount (not shown in the flowchart).
  • the payment confirmation form 701 is provided with an elliptical touch area 703 for the payer to touch his / her finger.
  • the acquisition unit 102 of the mobile terminal 101 uses the fingerprint feature information as the payer's biometric information based on the contact status with respect to the touch screen. Obtain (step S210).
  • control unit 103 checks whether the payer's biometric information acquired in step S210 matches any of the operator's biometric information held in the holding unit 105 (step S211).
  • the biological information of the operator is recorded in the biological information column of each element of the array of the operator area 451 of the holding unit 105, and each element whose value is not “none” and the biological information of the payer Match information.
  • step S211 If any of them matches (step S211; Yes), the payment by the payer has not been agreed, and the process returns to step S209. At this time, a warning or a message may be presented as appropriate.
  • step S211 If neither matches (step S211; No), it is checked whether the payer's biometric information acquired in step S210 matches any of the past payer's biometric information held in the holding unit 105 (step S212). ). As will be described later, the payer's biometric information acquired in step S210 is registered in the holding unit 105 after payment is completed, and used as past payer's biometric information.
  • the biometric information of the payer is recorded in the biometric information column of each element of the array of the payer area 471 of the holding unit 105, and each of those whose value is not “None” is collated with the biometric information of the payer. .
  • step S212 If no match is found (step S212; No), the biometric information check is passed, and processing for receiving payment of electronic value from the payer's portable device is started.
  • the notification unit 107 outputs a notification indicating that a portable device is being detected at a predetermined intensity by using an audible sound, visible light, vibration, etc., so as to let the surrounding people know (step S214).
  • the mobile terminal 101 displays a communication form related to NFC with the portable device on the touch screen 252 (step S215).
  • FIG. 9 is a display example of a communication form indicating that NFC with a portable device is to be started.
  • FIG. 10 is an explanatory diagram showing a state of the back side of the terminal hardware. Hereinafter, a description will be given with reference to FIG.
  • a camera 264 for photographing landscapes and other people is arranged, and a mark 253 indicating a place where the NFC chip is arranged is affixed.
  • the NFC chip detects the portable device.
  • step S208 the control returns to step S208 and starts again from the input of the amount (not shown in the flowchart). Thereby, acceptance of payment of electronic value by the present amount can be canceled.
  • the detection unit 109 detects the tilt of the terminal hardware 251 by the tilt sensor (step S217). Then, it is checked whether or not the detected inclination and the target inclination are within a predetermined error range (step S218). In the present embodiment, the direction of the outward normal on the surface is detected and used as the inclination of the terminal, and the target inclination is set as the direction of gravity.
  • step S218 If both are not within the predetermined error range (step S218; No), the process returns to step S214. At this time, the message may be displayed in the message field 802 of the communication form 801 so that the inclination is correct. Therefore, even if the NFC chip and the portable device are close enough to enable NFC, the electronic value is not paid.
  • FIG. 11 is an explanatory diagram showing a state in which the portable device is brought close to the terminal hardware.
  • the NFC chip detects the portable device and both Communication becomes possible.
  • step S219 if the portable device is not detected (step S219; No), the process returns to step S214. Therefore, while the mobile terminal 101 is trying to detect the portable device, the notification is repeatedly output.
  • the mobile terminal 101 when the payer tries to bring the portable device 254 closer to the mobile terminal 101, the mobile terminal 101 is turned over, and the display on the touch screen is not visible to either the payer or the operator. Therefore, the notification pattern is changed depending on whether or not the inclination of the mobile terminal 101 is correct, that is, whether or not the outward normal vector of the touch screen surface and the direction of gravity are within a predetermined error range. Is desirable.
  • the pitch, tone, and melody of the notification sound that is emitted are different between the correct inclination and the incorrect inclination, or if the correct inclination is obtained by continuously vibrating during the incorrect inclination If the vibration patterns are different, such as intermittent vibration, the operator can know the current state of the mobile terminal 101 without displaying on the touch screen.
  • the detection of the portable device is attempted only while the inclination in which the back surface of the portable device 254 is disposed substantially horizontally on the upper side is detected, but the inclination for attempting the detection is determined by the terminal hardware. Changes can be made as appropriate according to the shape of the wear and the operation at the store.
  • the mobile terminal 101 transmits the amount to be paid to the thin client server via the wireless LAN (step S220). ). Then, the communication relay between the portable device and the thin client server is started.
  • the thin client server receives the amount to be paid from the mobile terminal 101
  • the thin client server confirms whether or not the mobile terminal 101 is the mobile terminal 101 linked in step S202. If the mobile terminal is not linked, the payment may be rejected. In this case, the mobile terminal 101 may report an error and end the process, or return to step S201 and log in to the thin client server again (not shown in the flowchart). .
  • the mobile terminal 101 receives the decrease command transmitted from the thin client server via the wireless LAN (step S221), and transmits the received decrease command to the portable device via the NFC chip ( Step S222).
  • the mobile terminal 101 receives the execution result of the decrease command transmitted from the portable device (step S223), and transmits the received execution result to the thin client server (step S224).
  • the execution result in this case includes the amount of electronic value remaining in the portable device after payment.
  • the mobile terminal 101 receives the instruction transmitted from the thin client server (step S225). If this instruction specifies the completion of payment and the amount of remaining electronic value (step S226; Yes), the mobile terminal 101 determines the number of biometric information of past payers held in the holding unit 105. Is less than or equal to a predetermined upper limit (step S227). If the upper limit is exceeded (step S227; No), the erasure unit 106 erases one of the oldest payer's biometric information (step S228), and proceeds to step S229.
  • step S227 if it is equal to or less than the upper limit (step S227; Yes), the latest biometric information acquired in step S210, that is, the biometric information of the payer related to the current payment is held in the holding unit 105 (step S229).
  • the number of pieces of biological information held in the holding unit 105 is controlled to be a predetermined number or less.
  • this upper limit is set to 1
  • the holding unit 105 holds at least one past payer's biometric information. For this reason, it is possible to minimize the period during which the biometric information of past payers is stored in the mobile terminal 101, and it is possible to operate in consideration of privacy.
  • the payer's biometric information is recorded in the payer area 471 of the holding unit 105.
  • the payer area 471 is realized by an array, and in the example shown in FIG. 5A, a biometric information field and a time stamp field are prepared for each element, and the payer area 471 has a plurality of elements (this figure). Then 4).
  • the biometric information column of each element records the payer's biometric information
  • the time stamp column records the date and time when the biometric information was acquired or the date and time when the payment was completed.
  • the payer area 471 has only one element and a biometric information field is prepared, but there is no time stamp field.
  • biometric information field 473 and the time stamp field 474 in each element 472 of the payer area 471 “none” is recorded if nothing is registered, as in the operator area 451.
  • the element 472 with the oldest date and time recorded in the time stamp field 474 is searched, and the biometric information field 473 and the time stamp field 474 of the element 472 are searched.
  • step S2208 the oldest biometric information is deleted and then the current biometric information is held.
  • the living person information and the acquisition date / time or payment completion date / time of the current payer may be overwritten.
  • the holding unit 105 does not hold the biometric information of the past payer.
  • the last registered biometric information of the operator can be adopted as the initial value of the biometric information of the past payer in the holding unit 105.
  • verification with the operator's biometric information may be omitted as appropriate.
  • the notification unit 107 outputs a payment completion notification by audible sound, visible light, vibration, or the like (step S230).
  • the notification here preferably has a different output pattern from the notification while the portable device is being detected.
  • the operator knows that the payment of the electronic value has been completed from the output pattern of the notification, turns the mobile terminal 101 over and makes the touch screen visible.
  • FIG. 12 is a display example of a message form indicating that payment of electronic value has been completed.
  • a description will be given with reference to FIG.
  • the message field 902 of the message form 901 As shown in this figure, in the message field 902 of the message form 901, the amount of electronic value paid, the amount of electronic value remaining in the account of the portable device, and a greeting are displayed.
  • the next button 903 of the message form 901 is tapped, control returns to step S208, and acceptance of payment for the next electronic value is started.
  • the thin client server transmits an instruction indicating that the payment is not completed. Therefore, if the instruction received by the mobile terminal 101 does not specify that payment is complete (step S226; No), the notification unit 107 outputs a notification of payment failure using audible sound, visible light, vibration, or the like. (Step S232). It is desirable that the notification here also has a different output pattern from other notifications. Then, the operator can know from the notification output pattern that the payment of the electronic value has failed.
  • step S226 If the settlement has failed (step S226; No), the mobile terminal 101 changes the display in the message field 802 of the communication form 801 to indicate that the remaining amount is insufficient (step S233), and returns to step S214.
  • FIG. 13 is a display example of a communication form indicating that the remaining amount of electronic value is insufficient.
  • the message “Balance is insufficient. Please bring another portable device close” is displayed, so the operator must turn over the mobile device 101 and confirm that. Can do. If it is desired to stop paying itself, the operator or the like may tap the return button 803 of the communication form 801 as described above.
  • step S212 when the biometric information of the past payer and the biometric information of the present payer match (step S212; Yes), the electronic money is obtained by performing a high level confirmation by the operator. Allow payment. Since this confirmation requires time and effort, it is possible to suppress repeated fraud.
  • FIG. 14 is a display example of a payment confirmation form that asks the payer for a high level confirmation.
  • a description will be given with reference to FIG.
  • step S209 “Confirm by operator touching ellipse” is described in the message field 702, prompting the operator to take an action.
  • the acquisition unit 102 of the mobile terminal 101 acquires the biological information of the operator from the contact state with respect to the touch screen (step S235).
  • control unit 103 of the terminal device 101 checks whether the operator's biometric information acquired in step S233 matches any of the operator's biometric information held in the holding unit 105 (step S236). If it matches any one (step S236; Yes), it is determined that the operator has confirmed that the payer has agreed to the payment, and the process proceeds to step S214.
  • step S236 If no match is found (step S236; No), if the acquisition of the biological information of the operator in step S234 has not reached the predetermined number of retries (step S237; No), the process returns to step S235.
  • step S237 If the number of retries has been reached (step S237; Yes), the portable terminal 101 displays a message form 901 on the touch screen to notify that payment cannot be settled (step S238).
  • This situation may be caused by mistakes caused by the work procedure on the provider side or a failure of the fingerprint sensor, or when the portable terminal 101 is stolen.
  • FIG. 15 is a display example of a message form indicating that electronic value cannot be paid.
  • a description will be given with reference to FIG.
  • the message field 902 of the e-mail message form 901 describes that an electronic value payment cannot be settled, an error code, a contact phone number of a business operator, and the like, and induces an inquiry from the provider.
  • step S208 the process returns to step S208, and the input of the payment amount of the electronic value is resumed.
  • the program itself may be stopped or the provider may be re-registered by returning to step S201.
  • the touch area 402, 703 displayed in the touch screen is not touched by the operator or payer, but the action of touching the fingerprint sensor prepared in the terminal hardware is adopted, thereby allowing the operator or payer to touch. It is good also as an action of a payer's consent while acquiring a living person's biometric information.
  • fraudulent acts relating to payment of electronic value occur by appropriately adopting technology related to payer's biometric information, terminal hardware tilt, audible sound notification, and location restrictions.
  • the control flow is advanced so as not to pay, and the NFC with the portable device is restricted, so that fraud can be effectively suppressed.
  • whether or not two pieces of biological information are acquired from the same person is determined by whether or not the similarity between the two pieces of information exceeds a predetermined threshold. That is, the similarity is high if there are many matches of the biometric information, and the similarity is low if there are many mismatches.
  • the similarity threshold for determining whether or not to match is changed according to the elapsed time since biometric information of a past payer is acquired, thereby obtaining biometric information. Will be properly verified.
  • a threshold is associated with each biometric information of a past payer held in the holding unit 105. And the threshold value matched with the said biometric information is increased, so that the elapsed time after a payer's biometric information is acquired becomes long.
  • control unit 103 when the control unit 103 obtains the similarity between the biometric information of the past payer and the biometric information of the current payer, the control unit 103 sets the similarity to a threshold associated with the biometric information of the past payer. In comparison, if the degree of similarity exceeds the threshold value, both are matched and the payment of electronic value is restricted. If the similarity is less than or equal to the threshold value, it is determined that the two do not match.
  • the elapsed time after the payer's biometric information is acquired may be employed.
  • the elapsed time after the payment related to the payer's biometric information is completed may be employed.
  • the elapsed time after the payment related to the payer's biometric information is completed may be employed.
  • the elapsed time after the payment related to the payer's biometric information is completed may be employed.
  • the elapsed time after the payment related to the payer's biometric information is completed may be employed. For example, after a product has been purchased at a store cash register, it is an action that can be taken by a general consumer to purchase an item placed next to the cash register. In this case, after completing the previous payment, tell the store clerk that you want to purchase additional items, check and enter the amount of the item, and wait until the consumer agrees to pay It is thought that it takes about 10 seconds.
  • the threshold may be changed as follows according to the elapsed time since the last payment was completed. That is, if the elapsed time is about several seconds, the threshold value is kept low, and the threshold value is raised for about several tens of seconds. Thereafter, the threshold value is rapidly decreased and then gradually increased.
  • the threshold value corresponding to the elapsed time may be changed as appropriate according to the behavior pattern of the customer layer of the provider and the behavior pattern of the unauthorized user.
  • the electronic value has been paid through the check by the payer's biometric information.
  • the operator is further confirmed from the viewpoint of further suppressing unauthorized use. To do.
  • every time the payment amount is transmitted to the thin client server it is confirmed whether or not the mobile terminal 101 is associated with the provider.
  • the operator checks each time payment is made.
  • the operator in addition to registering the biological information of the operator in steps S203 to S204, the operator is further required to register a settlement password.
  • the thin client server generates a payment password with an expiration date (typically only today).
  • the thin client server when the portable terminal 101 and the provider are linked, the thin client server generates a payment password and notifies the portable terminal 101 when the login is successful.
  • the portable terminal 101 displays the settlement password notified from the thin client server in the overview form 501 in step S205 to make the operator know.
  • the operator instead of tapping the next button 604 on the amount form 601, the operator inputs the payment password again, or the operator inputs the payment password again before and after detecting the payment consent action by the payer.
  • This is a method of confirming the identity of the operator by, for example.
  • steps S203 to S204 there is a method in which the portable device owned by the operator is detected and the operator's identity is confirmed by the identification number of the portable device.
  • the operator can put his / her portable device on the portable terminal 101 to show the payer a sample of the payment method, and at the same time can authenticate the operator using the portable device. .
  • the identity of the operator may be confirmed by the thin client server, or may be determined by the portable terminal 101 based on the settlement password stored in the portable terminal 101.
  • the payer has obtained payment consent by the action of touching the touch screen or the fingerprint sensor.
  • a smartphone or the like owned by the payer Use.
  • the operator's mobile terminal 101 to which the amount of payment has been input by the operator generates a one-time password for settlement.
  • the one-time password may be randomly generated each time, or a prepared one may be used as appropriate.
  • the mobile terminal 101 of the operator sends the payment amount and the one-time password to the display terminal such as the payer's smart phone or mobile phone by short-range communication such as Bluetooth (registered trademark) or infrared communication.
  • short-range communication such as Bluetooth (registered trademark) or infrared communication.
  • the payer's display terminal displays the received payment amount and the one-time password on the screen. Thereafter, if the payer agrees to pay the displayed amount, the payer performs an action of inputting the displayed one-time password into the mobile terminal 101 of the operator.
  • the check by the payer's biometric information can be used in the same manner as in the above aspect, but the identification information (MAC address, serial number, etc.) assigned to the payer's smartphone or mobile phone is used in the above aspect. It can also be used in place of the payer's biometric information.
  • the identification information MAC address, serial number, etc.
  • an unauthorized user must use a large amount of equipment corresponding to the “payer's smart phone or the like” to obtain an unauthorized withdrawal. Cannot be repeated. Therefore, unauthorized use can be suppressed.
  • a mobile terminal suitable for suppressing unauthorized use a distribution server for distributing a program executed on the mobile terminal, the mobile terminal Control method and the program can be provided.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephone Function (AREA)

Abstract

L'invention concerne un terminal portable (101) qui est présenté par un opérateur à un payeur d'une valeur électronique. Le terminal portable (101) fonctionne comme unité d'acquisition (102) et comme unité de commande (103) par exécution d'un programme. L'unité d'acquisition (102) acquiert des premières informations biologiques à partir du payeur. Si des secondes informations biologiques, qui ont été acquises dans le passé par l'unité d'acquisition (102), ne correspondent pas aux premières informations biologiques, l'unité de commande (103) démarre une communication en champ proche avec un dispositif pouvant être transporté fourni par le payeur pour le paiement de la valeur électronique. En outre, la présente invention peut être configurée de telle sorte qu'une unité d'incitation (104) dont est équipé le terminal portable (101) délivre un message qui incite le payeur à réaliser une action en vue d'accepter le paiement. Dans cette configuration, l'unité d'acquisition (102) acquiert les premières informations biologiques à partir de l'action réalisée par le payeur.
PCT/JP2014/060216 2014-04-08 2014-04-08 Terminal portable, serveur de distribution, procédé de commande et programme Ceased WO2015155840A1 (fr)

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JP2016500002A JP5985103B2 (ja) 2014-04-08 2014-04-08 携帯端末、配布サーバ、制御方法、ならびに、プログラム
PCT/JP2014/060216 WO2015155840A1 (fr) 2014-04-08 2014-04-08 Terminal portable, serveur de distribution, procédé de commande et programme
TW104111261A TWI578245B (zh) 2014-04-08 2015-04-08 Portable terminals, delivery servers, control methods, and programs

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TW201606666A (zh) 2016-02-16

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