WO2017029739A1

WO2017029739A1 - Credit settlement system and method using mobile terminal

Info

Publication number: WO2017029739A1
Application number: PCT/JP2015/073285
Authority: WO
Inventors: 好一粟野; 清水　裕之
Original assignee: 株式会社東京メカトロニクス
Priority date: 2015-08-19
Filing date: 2015-08-19
Publication date: 2017-02-23
Also published as: TW201721540A; JP6743023B2; WO2017029824A1; JPWO2017029824A1

Abstract

A credit settlement system wherein: a vendor terminal receives an input billing amount, converts the billing amount into a two-dimensional code, and displays the two-dimensional code on a display; a user mobile terminal captures an image of the two-dimensional code and displays the billing amount on a display, and if this billing amount is approved, the user mobile terminal transmits credit identification information and a user identification ID to a management company server; and the management company server performs a security check of the user mobile terminal on the basis of user identification information, then transmits credit information that has been read on the basis of the credit identification information to the vendor terminal, and thereby permits the vendor terminal to settle the credit transaction.

Description

Credit payment system and method using mobile terminal

The present invention relates to a credit settlement system and method using a portable terminal, and more particularly to a credit settlement system and method for performing personal identification of a user using a portable terminal such as a smart phone and performing credit settlement.

In normal commerce, users use cash or credit cards to pay for and purchase goods. When paying by credit card, the user's credit card is read by the magnetic card reader unit of the vendor terminal provided on the store side, and the printed product is output with the item name, amount, transaction date, etc. of the product input. Do. The trader terminal may use a portable terminal. It is often required to enter a PIN during credit card payment. In this case, since the credit information is stored together with the personal identification number at the store, the personal identification number or the credit information may be abused. Once the code number is stolen, there is a problem that it is easily permitted to tamper with the key input alone. In particular, it does not provide sufficient security in that credit cards are used fraudulently or forged.

On the other hand, there is known a QR code (registered trademark) system in which a camera captures a QR code (registered trademark) in which encoded information is two-dimensionally arranged and decodes the captured image into characters and the like. (See Patent Document 1). The QR code (registered trademark) is characterized in that the amount of information can be dramatically increased as compared with the bar code or the like used for the usage card. In addition, there is also a method of using a system or a security token for performing image registration of fingerprints or veins of human fingers and personal identification.

As another credit payment method, the card information of a credit card is read from a credit card reader provided in a store, this card information is received by a smartphone owned by a clerk, and transmitted to a settlement server to request settlement. The settlement server sends the settlement result to the store clerk's smartphone. The smartphone receives this and displays it in a shootable manner. The customer photographs and acquires the settlement result displayed on his / her portable terminal (see Patent Document 2).
Furthermore, as another credit payment method, credit information including the name of a credit company, a credit number, an effective period, etc. is loaded on the user's smartphone, making possession of a credit card unnecessary, and credit information on the store side Send to the receiving terminal. The receiving terminal transmits the received credit information to the credit company to request credit settlement. The credit company performs credit settlement based on the credit information if the result of the personal authentication is valid (see Patent Document 3).

Maintaining security is very important in credit payment, and in particular, a system for performing credit payment together with personal authentication so as not to steal passwords, personal identification numbers and credit information has been proposed (see Patent Document 4).

JP, 2009-187198, A JP, 2013-206256, A JP, 2005-128899, A International Publication WO-A1-2013 / 168815

In the credit settlement method using a smartphone as described above, the settled amount information may not be passed immediately to the user, and the user may only visually check the amount, and the store side may not There is no evidence for confirmation, so it is an unclear transaction. Furthermore, sufficient measures have not been taken against the fear that credit information and a personal identification number may be used illegally or stolen by another person.

In order to solve this, after transmitting the credit information recorded in the portable terminal of the user to the shopper terminal of the store, the trader terminal transmits the amount information to the user portable terminal to request confirmation of the amount, and the user confirms the amount Although it is conceivable to return the approval to the store side, since the communication process makes two round trips, the settlement process becomes complicated.

The first object of the present invention is to allow the user to record the transaction amount on his / her portable terminal only by performing one round-trip communication between the user's portable terminal and the shopper's terminal, while the trader It is an object of the present invention to provide a credit payment system and method using a mobile terminal that can obtain evidence of the user's transaction intention and the acceptance of the transaction amount.
A second object of the present invention is to provide a credit payment system and method using a portable terminal having high security in which a password or credit information is not used illegally by another person.

In order to achieve the above first object of the present invention, a two-dimensional code including at least a trader ID identifying the trader itself and a bill amount is created at the trader terminal and displayed on a display, and the two-dimensional code is displayed by the user. The mobile terminal reads it, decodes it, displays it on the display of the user mobile terminal, and confirms the amount of money and sends an acknowledgment to the trader terminal via the operation company server.
In order to achieve the second object of the present invention, requirements of the user and the vendor are previously registered in the operating company server, and the application is downloaded to the user portable terminal and the vendor terminal. At the time of transaction, communication is performed between the user portable terminal, the trader terminal and the operation company server based on the downloaded application program so that credit information is not directly transmitted from the user to the trader terminal, and Only when the terminal's security check is determined to be a symbol, the credit information is transmitted to the vendor's terminal, and a commerce is made under strict security.
Effect of the invention

According to the credit settlement system and method using the portable terminal according to the present invention, confirmation of purchase intention and confirmation of the amount can be properly performed with minimum processing in the case of a transaction, and illegal use of credit information is prevented. Strict security checks in order to

The whole block diagram which shows one Example of the credit card payment system which concerns on this invention Flow chart showing an example of a procedure for the user to register as a member Flow chart showing an example of a procedure for a vendor to register as a vendor Flow chart showing an example when the user operates the operation company server after member registration The flowchart which shows an example in the case where a trader operates with respect to a management company server after trader registration. Flow chart showing an embodiment of a procedure for conducting a credit settlement transaction between a user and a vendor 7 is a continuation of full circle 1 of FIG. 6 and is a flow chart showing one embodiment of the processing procedure between the user portable terminal and the operation company server 7 is a continuation of full circle 2 of FIG. 6 and is a flow chart showing an example of the processing procedure between the vendor terminal and the operation company server FIG. 8 is a flow chart showing an example of the processing procedure of the whole 3 and 4 of FIG.

An embodiment of the present invention will be described below based on the drawings.
In FIG. 1, reference numeral 1 denotes a user portable terminal owned by a user, which is generally a smartphone provided with an input device 2, a display 3, a processor 4, a memory 5, and the like. The input device also includes a camera 6. Reference numeral 8 denotes a vendor terminal provided by a vendor such as a store, and includes an input device 9, a display 10, a processor 11, a memory 12, and the like. The vendor terminal is preferably a smartphone but may be a desktop type terminal. An operation company server 14 includes a database 15, a temporary storage device 16, a processor 17 and the like. A computer 19 of a credit company has a database 20. The user terminal device 1, the vendor terminal 8, the operating company server 14, and the credit company computer 19 are connected by a communication medium 22 such as an Internet line.

In order for the user to use the system according to the present invention, he has to register as a member. FIG. 2 is a flow chart showing an operation procedure of the processor 4 for the user to register as a member using the user portable terminal. The member registration is executed in cooperation with the processor 17 of the operation company server 14.

In FIG. 2, the user executes the member registration 25 using the portable terminal 1. In step 26, the management company server of the management company operating this system is accessed to open the member site from the management company's home page. When the item of "new registration" in the member site is clicked in step 27, an input form for new registration is displayed. The input items to this form are an address, a name, a telephone number, a user ID, a password, an e-mail address, one representative credit name, credit information, a credit name ID, and the like. The user ID and password can be arbitrarily determined by the new member under predetermined constraints, and are used to personalize and identify the user. The credit name is a concise name suitable for new members to identify a credit card. In the case of new registration, only one representative credit card is selected and its name is decided. The credit information is information necessary for credit settlement, such as a credit company name of a selected credit card, a credit card number, an expiration date, and a name of an owner. The credit name ID is required to be input in order to read out and display a credit name, and high security is given to the display of highly confidential credit information. For the newly registered member, at step 28, the above items are input as new registration data.

Next, in step 29, the input new registration data is sent to the own mail address. As a result, the user portable terminal 1 can receive the transmitted new registration data. Check the registration content of the received new registration data to confirm that the new registration data is correctly transmitted and received. Next, at step 30, the management company server 14 is requested to create a member ID and a security ID. The security ID is an ID serving as a reference for identifying and authenticating the user portable terminal.

The operation company server 14 which has received the request for creating the member ID and the security ID sets the member ID and the authentication ID 1 in step 32 and registers them in the database 15 for each member. Next, at step 33, using the conversion logic, the authentication ID 1 is converted to a security ID and registered. As described in Patent Document 4, the conversion logic can convert an authentication ID into a security ID in the same manner as converting ID bit data into an authentication ID using an ID map address. However, other conversion logic may be used to convert the authentication ID into a security ID. The conversion logic is different for each member and registered in the database for each member. At step 34, the member ID and the security ID are transmitted to the user portable terminal.

The user portable terminal receives the member ID and the security ID in step 36 and registers them in the memory 5. Then, in step 37, the user terminal ID1 which is an individual identification number unique to the mobile terminal given to each mobile terminal is acquired. In step 38, the user portable terminal requests the operating company server to register the member ID, the security ID, the user terminal ID1 and the new registration data.

In step 40, the operation company server links the member ID, the authentication ID 1, the security ID, the user terminal ID 1 and the new registration data, registers them in the database 15, and ends the process.

The above has described the member registration of the user. Next, the operation procedure of the processor 11 when registering a trader such as a store will be described based on FIG.

In FIG. 3, the vendor executes the vendor registration 45 using the vendor terminal 8. First, in step 46, the vendor accesses the operating company server of the operating company that operates this system and opens the company site from the operating company's home page. When the item of "new registration" in the vendor site is clicked in step 47, an input form for new registration is displayed. The input items to this form are a name, a branch name, an address, a representative name, a telephone number, an e-mail address, a user ID, a password, and the like. The user ID and password can be arbitrarily determined by the new registrar under predetermined constraints, and are used to authenticate and identify the merchant. In step 48, the person who newly registers the trader inputs the above-mentioned input items as new registration data. After the new registration data is input, the new registration data is transmitted to the operating company server 14 in step 49.

The operating company server 14 receives the new registration data in step 51 and registers it in the database 15.

On the other hand, when the trader terminal 8 requests the manager's approval of the trader at step 53, the management company server creates the trader ID at step 55, attaches the trader ID at step 56, and sends the approval mail to the trader terminal. Send.

The vendor terminal 8 receives the approval email in step 58, registers the vendor ID attached to the approval email in step 59 in the memory of the vendor terminal, and ends the process.

The operation 62 of the member on the operation company server of the user after the user has registered as a member will be described based on FIG.

In FIG. 4, when the user operates the user portable terminal to open the member site of the operation company server in step 63 and inputs them in the user ID and password input fields in step 64, “member application download” in step 65, Items such as "member information change", "credit information addition / change", "payment history", and "application stop" are displayed.

When "member application download" is clicked in step 65, the member ID and the user terminal ID 1 are read out in step 67, and these are attached to request the operation company server 14 to download the member application. The member application includes member information and a program necessary for the user to make a credit payment in a commercial transaction with a trader.

The operating company server 14 selects the member application created on the basis of the member information corresponding to the member ID received in step 69, and in step 70, the received user terminal ID 1 is registered with the user terminal ID 1 registered in step 40. Perform a security check to see if there is a match. If the security check is OK, the member application is transmitted to the user portable terminal 1 in step 71. If it is determined that the security check is NO, the user portable terminal is notified that the member application can not be downloaded. Since the user terminal ID 1 is an individual identification number unique to the user portable terminal, downloading of the member application is permitted only to the same terminal as the portable terminal used at the time of registration.

When the user portable terminal 1 receives the member application in step 73, the member portable terminal 1 registers this in the memory 5, creates an icon of the member application in step 74, displays it on the display 3, and ends the processing. In addition, when the notification of the download impossibility is received in step 76, it is confirmed whether it operated by the terminal different from the user portable terminal operated by FIG. 2, and it tries download of a member application again. Thereby, the member application is prevented from being downloaded by an operation by a person other than a legitimate user. Alternatively, downloading to terminals other than the user portable terminal used for member registration is also prevented. As a result, the initial user who has registered as a member and his mobile terminal are protected from unauthorized use and plagiarism.

When “change member information” is selected in step 65, the operation company server 14 can change and register a name, an address, a telephone number, an e-mail address, a user ID, a password or the like. When "credit information addition / modification" is selected in step 65, it is possible to additionally register a maximum of 5 credit names and associated credit information in step 80, and a part of the registered information. Credit names and their credit information can be changed or deleted. The maximum number of five is for preventing the addition of unlimited credit information, and the maximum of five is for convenience. When "settlement history" is selected in step 65, in step 84, the history of past credit payments can be read from the database 15 and viewed. When “stop application” is selected in step 65, the use of the downloaded member application can be stopped in step 84.

An operation 86 for the management company server 14 that can be performed by the trader at the trader terminal 8 after the trader registration is performed will be described based on FIG.

In FIG. 5, when the vendor operates the vendor terminal to open the vendor site of the operation company server in step 87, and inputs them in the user ID and password input fields in step 88, “trader application download” and “trader information Items such as "change" are displayed. The merchant application contains the programs and information necessary for the merchant to make a credit payment in a commercial transaction using this system.

When "download vendor application" is clicked in step 89, a vendor ID input field is displayed. In step 90, the vendor ID is input in the input field, and the operating company server 14 is requested to download the vendor application.

The operation company server that has received the download request of the vendor application checks whether the vendor ID received in step 92 matches the vendor ID registered in the database 15. As a result, if OK, in step 93, the trader application is transmitted to the trader terminal.

In step 95, the vendor terminal 8 receives the vendor application and registers it in the memory 12, and in step 96 creates an icon of the vendor application and displays it on the display. On the other hand, if the result of the check in step 92 in the operation company server is NO, then in step 98 in the trader terminal, it is displayed that download is not possible. Thus, the check in step 92 prevents the merchant application from being downloaded illegally.

Next, a procedure for performing the credit settlement 100 when the user purchases a product at a store will be described based on FIGS. 6 to 9.

In FIG. 6, when an agreement is established for commerce between the user and the store, the vendor terminal 8 clicks the icon of the vendor application displayed on the display in step 101, and inputs the user ID and password in step 102. A screen will appear. Enter the vendor's user ID and password, and log in. Since the items "Settlement amount input" and "Create QR Code (registered trademark)" are displayed on the screen after login, the trader inputs the billed amount in the "Settlement amount input" column at Step 103, and Click the "Create QR code (registered trademark)" field. As a result, the information including the vendor ID, the charge amount, and the order specification number is converted into a QR code (registered trademark), and the QR code (registered trademark) is displayed in step 105.

On the other hand, in the user portable terminal 1, when agreement of commerce is established, when the member application icon displayed on the display is clicked in step 107, items including the user ID, the password and the login are displayed. In step 108, the user ID and password are input and login is performed. Next, when a credit name ID is input in step 109, one or a plurality of credit names registered in the database 15 of the operating company server 14 are displayed, and whether it is one payment or installment, and in the case of installment “Payment method” item to select and “QR code (registered trademark) read” item etc. are displayed.

Continuing, at step 110, up to five credit names are displayed on the display. In step 111, the user designates a credit name to be used for payment, inputs the number of payments in step 112, and confirms and determines the credit name and the number of payments in step 113. Next, in step 114, the QR code (registered trademark) reader in the user portable terminal is activated and the camera 6 is activated. In step 115, the QR code (registered trademark) displayed on the trader terminal 8 in step 105 is Shoot by 6 and read. The QR code (registered trademark) read in step 117 is analyzed, and it is determined in step 118 whether the analysis result is OK. If "NO" here, the process returns to step 115 again to read the QR code (registered trademark) again. If OK in step 118, the operation of the processor 4 of the user portable terminal 1 proceeds to the flow of FIG. Steps 107 to 114 of the user portable terminal and steps 101 to 104 of the trader terminal generally proceed in parallel, respectively.

In FIG. 7, if the analysis result of the QR code (registered trademark) is OK, in step 120, the billed amount acquired from the vendor terminal and an approval button for the billed amount are displayed. If the user confirms and approves the billed amount, the user clicks the approval button in step 121. Next, in step 122, the user terminal ID 2 which is an individual identification number specific to the user portable terminal is fetched. Then, in step 123, the user terminal ID 2, the vendor ID, the charge amount, the order details number, the credit name, the number of payments, and the security ID are transmitted as settlement data to the operation company server. The security ID is for identifying and authenticating the user portable terminal, and is registered in the memory 5 at step 36. When the payment data is transmitted, the security ID currently registered in the memory 5 is added to the payment data.

In step 125, the operation company server 14 stores the settlement data received from the user portable terminal 1 in the temporary storage device 16.
FIG. 8 is a flow chart showing the operation of the processor 11 after displaying the QR code (registered trademark) in step 105 of the vendor terminal in FIG.

In FIG. 8, after displaying the QR code (registered trademark) in step 105, the vendor terminal 8 starts a 60-second timer in step 128. Then, at step 129, it is checked whether the elapsed time has reached 60 seconds. If it is determined in step 129 that the elapsed time has not yet reached 60 seconds, then it is determined to be OK and the process proceeds to step 130. In step 130, the operation company server 14 is requested to acquire settlement data including these information with the vendor ID, the billed amount and the order receipt item number included in the QR code (registered trademark) in step 104 of FIG. .

In step 132, the operation company server 14 searches for settlement data including the vendor ID, the billed amount, and the order details number among the data stored in the temporary storage device 16 in the step 125. At step 133, the search result is transmitted to the vendor terminal. When the settlement data can not be found in the search of step 132, the search result not including the settlement data is transmitted to the vendor terminal.

In step 135 of the trader terminal, the search result is received, and in step 136, it is determined whether or not the search result received includes payment data including the user terminal ID 2 and the like. If NO is determined here, the process returns to step 129. In this manner, the retrieval of the data in the temporary storage device is repeated for 60 seconds, and when the elapsed time reaches 60 seconds, time-over occurs at step 138 and this operation is stopped.

If settlement data is found as a result of the search in step 132, the settlement data is transmitted to the trader terminal 8 in step 133.

The vendor terminal receives the search result in step 135, and determines in step 136 whether settlement data such as user terminal ID 2 is included. Since the settlement data is included this time, it is judged as OK and the process proceeds to step 137. The vendor terminal 8 requests the security company server 14 to perform a security check in step 137.

When the operation company server 14 receives the security check request in step 139, it reads out the user terminal ID 1 registered in step 40 and reads out the user terminal ID 2 out of the payment data searched in step 133, as shown in FIG. Go to 141.

In step 141 of FIG. 9, the registered user terminal ID 1 and the user terminal ID 2 in the payment data are compared to determine whether they match. Here, if they do not match, in step 142, a notification that the credit settlement can not be made is transmitted to the trader terminal (FIG. 8). Then, at the trader terminal, in step 143, the display 10 indicates that the credit settlement can not be made, and the process ends. In this case, the operation should be redone. In this way, the payment from terminals other than the user portable terminal used by the user himself at the time of new registration is prevented, and unauthorized use by others is prevented.

If it is determined in step 141 that ID1 and ID2 match, the security ID in the payment data is read out in step 144, and this security ID is converted into authentication ID 2 using conversion logic. This conversion logic uses the same one as the conversion logic in step 33 of FIG. In step 33, the authentication ID 1 is converted to a security ID. However, here, the security ID is converted to an authentication ID 2 here. Designing the conversion logic so as to be usable for conversion in the reverse direction in this way is easily accomplished by those skilled in the art.

In step 144, the authentication ID 1 registered in step 40 is further read out from the database 15. Then, in step 145, it is determined whether the read authentication ID 1 and the converted authentication ID 2 match. Here, if it is determined that they do not match, the process proceeds to step 142, and a notification that payment can not be made is transmitted to the trader terminal as described above. In such a case, the security ID transmitted from the user portable terminal 1 to the operation company server 14 and stored in the temporary storage device 16 is different from the security ID registered in step 36 at the beginning of the new registration for some reason. It will be a thing. This means that the security ID has changed for some reason in the course of using the user portable terminal. The security ID changes because there is some trouble, and by providing this check function, avoidance of the trouble is secured. This has improved the security of credit payments.

On the other hand, if it is determined in step 145 that they match, it is determined that the security ID specified at the beginning of the new registration of the user portable terminal is still functioning properly and properly. Next, in step 146, the credit name is read out from the settlement data recorded in the temporary storage device, and in step 147, the credit information corresponding to the credit name is read out from the database 15, and this credit information is transmitted to the vendor terminal.

When the vendor terminal receives the credit information in step 149, it executes credit payment with the credit company 152 in a normal settlement method based on the credit information in step 150. Then, upon receiving a notification of completion of the credit settlement from the credit company 152 in step 154, the credit settlement completion data is transmitted to the operating company server 14. Here, the credit settlement completion data includes a vendor ID, a settlement amount, an order detail number, a credit name, a number of payments, and a security ID.

In step 156, the operation company server 14 receives the credit settlement completion data, and registers this in the settlement history database included in the database 15 as the settlement history data. The user can view the payment history data of the user from the user portable terminal between

steps

65 and 82 in FIG.

In order to conduct a commercial transaction using the system described above, the user portable terminal 1 and the vendor terminal 8 must download in advance from the operating company server 14 a member application or a vendor application that executes an operation according to this system. You must. The user and the vendor set the user ID and password at the time of new registration and register them in the operation company server. After the registration is completed, the user or vendor can download the member app or vendor application to his / her user portable terminal or vendor terminal using the user ID and password. Therefore, no one else can download the member app or the vendor app. This prevents unauthorized commerce from happening.

In commerce using the system described above, when a user newly registers credit information and then additionally registers the credit information, the credit name is linked and registered with the credit information as a representative of the highly confidential credit information. . In commerce after that, credit payment can be made by designating the name of the credit without presenting the credit information to the vendor. Moreover, when the user newly registers, the operation company server is requested to create a member ID and a security ID, and as a result, the member ID and the security ID are registered in the operation company server and the user portable terminal, The member ID or the security ID can be used as personal authentication of the user or as information for specifying the user portable terminal. Furthermore, when the user newly registers, the individual identification number uniquely given to the user portable terminal itself is read, and this is registered as the user terminal ID 1 in the database of the operating company server, and for each commercial transaction performed thereafter Since the identification of the user portable terminal is automatically checked by reading the individual identification number as the user terminal ID 2 and comparing ID1 and ID2, credit settlement is permitted only for transactions using a predetermined user portable terminal. doing. Therefore, credit payments can not be made even if another person steals a member ID, password or security ID.

Furthermore, in the commercial transaction using the system described above, when the vendor inputs the billed amount and the like into the vendor terminal after the product purchase agreement has been made, the vendor terminal is required for the transaction such as the billed amount and the vendor ID. A two-dimensional code such as QR code (registered trademark) including product data is created and displayed on the display. The user portable terminal takes a picture of the displayed QR code (registered trademark) with a built-in camera, analyzes it, and displays the charge amount etc. on the display. When the user confirms the charge amount and the like and clicks the approval button, the settlement data obtained by adding the user's credit name and the like to the product data is registered in the temporary storage device of the operation company server. On the other hand, the trader terminal repeatedly searches the temporary storage device, and as soon as the payment data is registered in the temporary storage device, the payment data is read and the credit payment is made. For this reason, since the credit settlement is completed only by rounding the communication with the trader terminal, the user portable terminal, the management company server and the trader terminal, the procedure of the credit payment transaction is executed with the minimum necessary procedure and is extremely simplified. .

DESCRIPTION OF SYMBOLS 1 user portable terminal 2 input device 3 display 4 processor 5 memory 6 camera 8 vendor terminal 9 input device 10 display 11 processor 12 memory 14 operation company server 15 database 16 temporary storage device 17 processor 19 credit company 20 database

Claims

The vendor application including the program and information necessary to execute the credit payment is downloaded in advance from the operating company server (14), and the billing information including at least the billing amount and the vendor ID is two-dimensionally coded and displayed on the display (10) , The vendor terminal (8),
A member application including programs and information necessary to execute credit payment is downloaded in advance from the operation company server (14), and the two-dimensional code displayed on the trader terminal is photographed and analyzed by the built-in camera (6) The user portable terminal that transmits the settlement data in which the credit specification information and the user identification ID are added to the billing information when the billing amount is displayed on the display (3) and the displayed billing amount is approved, to the operating company server (1),
An operating company server (a database (15) in which trader information pertaining to the trader terminal and member information pertaining to the user portable terminal are registered, and a temporary storage device (16) storing the payment data received from the user portable terminal 14) and
Credit payment system using a portable terminal equipped with
The operation company server performs a security check of the user portable terminal based on the user identification ID in the payment data stored in the temporary storage device, and if it is compatible, based on the credit specification information in the payment data. Credit information is transmitted to a vendor terminal, and the vendor terminal executes credit settlement based on the credit information received from the operation company server.
Said credit payment system.
In claim 1,
The user identification ID is a user terminal ID 2 related to the individual identification number of the user portable terminal, and
The security check includes the user terminal ID 2 and the user terminal ID 1 included in the member information, and the user terminal ID 1 acquired in advance from the user portable terminal and registered in the database (15) of the operating company server (14). The credit payment system is performed by comparing.
In claim 1,
The user identification ID is a security ID assigned from the operation company server at the time of new member registration, and
The credit settlement system, wherein the security check is performed by comparing a security ID stored in the temporary storage device with a security ID registered in the database.
In claim 1,
At the time of new member registration of the user, the operation company server sets an authentication ID 1, converts the authentication ID 1 into a security ID using a predetermined conversion logic, and links the authentication ID 1 and the security ID to new registration data. , And transmits the security ID to the user portable terminal, and the user portable terminal registers the received security ID in the memory (5).
At the time of commerce, the user identification ID in the settlement data is a security ID registered in the memory of the user portable terminal, and the operating company server uses the conversion logic to convert the security ID in the settlement data. The credit settlement system, wherein a security check is performed by converting into an authentication ID 2 and comparing the authentication ID 2 with the authentication ID 1.
In claim 1,
The operation company server links and registers in advance a credit name specifying one or more pieces of credit information of each user and each piece of credit information in the database as the member information.
The credit settlement system, wherein the credit designation information is one credit name designated from one or more credit names.
In claim 5,
The credit settlement system, wherein the user portable terminal registers a credit name ID in advance, and the screen for designating the credit name is not displayed on the display if the credit name ID is not input.
In claim 1,
When the trader terminal requests the operation company server to search the settlement data in the temporary storage device by attaching the charge amount and the trader ID, the existence of the settlement data can be confirmed as a result of the search The credit payment system requesting the security check.
In claim 7,
When the operation company server receives the request for the search, the operation company server searches for the existence of the payment data including the charge amount and the vendor ID, and when the request for the security check is received, the user in the payment data The credit payment system which performs a security check based on a specific ID.
In any one of claims 1 to 8,
The two-dimensional code is a QR code (registered trademark) (104, 105, 115), the credit payment system.
A credit payment method using a portable terminal, comprising the following steps.
The vendor terminal (8) two-dimensionally codes the billing information including at least the vendor ID and the billing amount and displays it on the display (10).
The user portable terminal (1) captures and analyzes the displayed two-dimensional code with the built-in camera (6), displays at least the billed amount on the display (3), approves this, and then designates the user identification ID and the credit Sending settlement data in which information is added to the billing information to the operating company server (14);
The operating company server records the received payment data in a temporary storage device, performs security check with reference to the member information registered in advance in the database of the operating company server based on the user identification ID in the payment data, and the security If the result of the check matches, the corresponding credit information is read out from the member information based on the credit designation information in the settlement data and this is transmitted to the trader terminal, and the trader terminal performs the credit settlement based on the received credit information To perform
The credit payment method.
In claim 10,
The credit settlement method, wherein the user identification ID is a security ID given to the user portable terminal from the operation company server in advance and is a security ID held in the memory of the user portable terminal at the time of a commercial transaction.
In claim 11,
The operation company server sets the authentication ID 1 in advance, converts it to a security ID by conversion logic, registers the authentication ID 1 and the security ID in the database, and transmits the security ID to the user portable terminal, and the user portable terminal Store the security ID received in advance in the memory,
The security check is performed by converting a security ID included in the payment data into an authentication ID 2 using the conversion logic, and comparing the authentication ID 2 with the authentication ID 1 registered in the database. Credit payment method.
In claim 10,
The user identification ID is a user terminal ID 2 corresponding to an individual identification number unique to the user portable terminal, and
The security check includes the user terminal ID 2 included in the payment data, and a user terminal ID 1 included in the member information and corresponding to an individual identification number unique to the user portable terminal previously acquired from the user portable terminal. Performed by comparing
Credit payment method.
It is a vendor terminal in a credit card payment system using a mobile terminal,
A vendor application including a program and data necessary for credit settlement in advance, and a memory (12) for retaining a vendor ID for identifying the vendor
A processor (12) that operates the vendor terminal according to the program stored in the memory;
An input device (9) for entering a bill amount;
A display (10) for converting billing information including at least the billing amount and a vendor ID specifying the vendor into a two-dimensional code and displaying the same;
The user portable terminal (1) captures the two-dimensional code, analyzes it, approves the displayed billed amount, and transmits the settlement data in which the user identification ID and the credit designation information are added to the bill information to the operation company server And means (150, 152) for executing credit settlement when the credit information is acquired from the operation company server.
Said vendor terminal equipped with:
In claim 14,
The means for executing the credit settlement requests the operating company server to search for the existence of the settlement data, requests the security check of the user portable terminal when the existence of the settlement data is confirmed, and conforms to the security check. For example, the vendor terminal that acquires credit information of the user.
A user portable terminal device in a credit payment system using a portable terminal, comprising:
An input device (2) including a camera (6), a member application including a program and data necessary for credit payment in advance, and a memory (5) holding a user identification ID for identifying the user;
A processor (4) for operating the user portable terminal according to the program stored in the memory;
A display (4) for capturing a two-dimensional coded billing information displayed on a vendor terminal with the camera, analyzing the two-dimensional code, and displaying a billing amount in the billing information;
A unit (123) for transmitting, to the operating company server, settlement data in which one credit name and a user identification ID are added to the billing information after approving the billing amount displayed on the display;
Equipped with
The user portable terminal device, wherein credit information is transmitted to the trader terminal via the operation company server and credit settlement is permitted.
In claim 16,
The user portable terminal device, wherein the credit name is one or more, and one credit name designated for credit settlement is added to the settlement data.
In claim 16 or 17,
The credit name is a name given to one or a plurality of pieces of credit information, and each credit name and each piece of credit information are registered corresponding to each other and linked in advance to the database of the operating company server. The user portable terminal device as described above, wherein if the terminal designates a credit name, the corresponding credit information is read and transmitted to the trader terminal.
In claim 18,
The user portable terminal device, wherein the credit name and the credit information can be added, deleted or corrected to an operating company server.
In claim 16,
The user portable terminal, wherein one or more credit names are displayed on a display when a credit name ID is input from the input device, and one credit name can be designated.
An operating company server in a credit card payment system using a mobile terminal,
A database (15) for registering trader information including a trader ID relating to the trader terminal, and member information including a user identification ID relating to the user portable terminal and at least one credit information;
A temporary storage device (16) for receiving and storing payment data in which a user identification ID and credit designation information are added to the billing information from a user portable terminal that has captured a two-dimensional code of the billing information displayed on the display by the vendor terminal;
Means (132, 133, 139, 141-147) for reading out credit information of the user based on the user identification ID and the credit designation information included in the settlement data and transmitting it to the trader terminal to permit credit settlement (132, 133, 139, 141-147) When,
The said operation company server provided with.
In claim 21,
The operation company server, wherein the means for permitting the credit settlement performs a security check of the user portable terminal based on the user identification ID in the detected settlement data.
In claim 21 or 22,
The operation company server, wherein the user identification ID is a security ID, and the security ID is registered in the database in advance as the member information and is given to the user portable terminal.
In claim 23,
The operation company server, wherein the security ID is acquired by converting an authentication ID 1 registered in advance in the database as the member information using conversion logic.
In claim 24,
The security check is performed by converting the security ID in the payment data using the conversion logic to obtain an authentication ID 2 and comparing the authentication ID 2 with the authentication ID 1 registered in the database. , Said operating company server.
In claim 21 or 22,
The user identification ID is the user terminal ID 2 related to the individual identification information of the user portable terminal, and the security check is the user terminal ID 2 and the user terminal ID 1 related to the individual identification information of the user portable terminal acquired in advance. The operation company server, which is performed by comparing the user terminal ID 1 registered in the database as the member information.