WO2001009806A1 - Systeme de reglement electronique, dispositif et terminal de reglement - Google Patents
Systeme de reglement electronique, dispositif et terminal de reglement Download PDFInfo
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- WO2001009806A1 WO2001009806A1 PCT/JP1999/004178 JP9904178W WO0109806A1 WO 2001009806 A1 WO2001009806 A1 WO 2001009806A1 JP 9904178 W JP9904178 W JP 9904178W WO 0109806 A1 WO0109806 A1 WO 0109806A1
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- terminal
- user
- payment
- transaction
- communication unit
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q30/00—Commerce
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/4012—Verifying personal identification numbers [PIN]
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- G—PHYSICS
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- 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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
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- G—PHYSICS
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- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0603—Catalogue ordering
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0609—Buyer or seller confidence or verification
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0641—Shopping interfaces
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1025—Identification of user by a PIN code
- G07F7/1075—PIN is checked remotely
Definitions
- the present invention relates to an electronic payment system, a payment device, and a terminal that can perform payment in commercial transactions electronically using a communication network.
- an electronic payment system for performing transaction settlement using a communication network, comprising: A payment terminal connected to the payment device via a communication network to make a bill in a transaction; and a payment terminal connected to the payment device through the communication network to make a payment in a transaction.
- the payment terminal sends the same transaction identification number to the settlement device, the communication with the billing terminal and the communication with the payment terminal are synchronized. By doing so, the transaction is settled.
- the billing terminal may be connected to the settlement device through a telephone line or a dedicated line, and the payment terminal may be connected to the settlement device by wireless telephone communication.
- a settlement device for communicating with a billing terminal for making a bill in a transaction and a payment terminal for making a payment in the transaction, and performing settlement of the transaction.
- a first communication unit connected to the billing terminal, a second communication unit connected to the payment terminal via the second communication network, and a processing unit for performing a settlement process of the transaction.
- a transaction identification number for identifying a transaction is set, and when the payment terminal transmits the same transaction identification number as the transaction identification number to the payment device, the communication with the billing terminal and the communication with the payment terminal are synchronized. It is characterized by
- the first communication unit may connect to the billing terminal via a telephone line or a dedicated line
- the second communication unit may connect to the payment terminal via wireless telephone communication.
- the first communication unit receives the purchase amount in the transaction from the billing terminal, and the second communication unit transmits the purchase amount to the payment terminal and checks the purchase amount in order to have the payment terminal confirm the purchase amount.
- the processing unit receives the purchase final confirmation signal from the payment terminal, the second communication unit performs the payment processing after receiving the purchase final confirmation signal from the payment terminal, and the first communication unit performs the payment processing by the processing unit.
- a payment completion notification notifying the completion of the payment may be transmitted to the billing terminal, and the second communication unit may transmit a receipt notifying the receipt of the purchase price in the payment processing by the processing unit to the payment terminal.
- a billing terminal database storing information on the billing terminal, wherein the first communication unit receives the identification number for identifying the billing terminal from the billing terminal, and the processing unit, based on the identification number, Information about the billing terminal may be extracted and registration of the billing terminal may be confirmed.
- the second communication unit may transmit the information on the billing terminal extracted from the billing terminal database to the payment terminal so that the payment terminal checks the billing terminal.
- a payment terminal database storing information on the payment terminal; a second communication unit detecting a calling terminal number of the payment terminal; and a processing unit detecting the payment terminal from the payment terminal database based on the calling terminal number. Extract information about users and use At least one of the registration status of the user, the usage status of the user, and the user's possible settlement amount may be confirmed.
- the first communication unit transmits a transaction identification number identifying the transaction to the billing terminal, the billing terminal notifies the transaction identification number to the payment terminal or the user of the payment terminal, and the payment terminal is the same as the transaction identification number.
- the processing unit synchronizes the communication with the billing terminal and the communication with the payment terminal, and the first communication unit indicates that the synchronization has been established.
- a synchronization confirmation signal may be transmitted to the billing terminal.
- the processing unit extracts the authentication information of the user of the payment terminal from the payment terminal database, and the first communication unit transmits the authentication information of the user to the charging terminal in order for the charging terminal to authenticate the user. Is also good.
- the user authentication information may be a face photograph of the user.
- the first communication unit receives a signal requesting authentication by the user's password from the billing terminal, the processing unit extracts information on the payment terminal user's password from the payment terminal database, and the second communication unit Sends a command requesting a password to the payment terminal, receives the password entered by the payment terminal from the payment terminal, and processes the password received from the payment terminal with information on the password extracted from the payment terminal database and the password.
- the first communication unit may authenticate the user by performing the verification and transmitting the success or failure of the password verification by the processing unit to the billing terminal.
- the processing unit extracts the authentication information registered by the user of the payment terminal from the payment terminal database, the second communication unit transmits an instruction for inquiring the authentication information to the payment terminal, and the payment terminal inputs the instruction to the instruction
- the user may be authenticated by receiving the response from the payment terminal and checking the response received from the payment terminal by the processing unit with the authentication information extracted from the payment terminal database.
- the authentication information registered by the user of the payment terminal which is extracted from the payment terminal database by the processing unit, is the password of the user, voice data emitted by the user, image data of the user's face, iris of the user's eyeball Or at least one of the retinal image data and the fingerprint image data of the user, and the response received by the processing unit from the payment terminal to match the authentication information is text data, voice data, or image data. At least a little data May be one.
- the first communication unit may synchronize the communication with the payment terminal and the communication with the payment terminal, and transmit a synchronization confirmation signal indicating that the synchronization has been established to the billing terminal.
- a first communication unit receiving from the billing terminal product order information for prompting a user of the payment terminal to input a product order; a second communication unit transmitting the product order information to the payment terminal; If the payment terminal transmits the order content of the product entered by the user of the payment terminal based on the product order information to the payment device, the first communication unit may transmit the order content to the billing terminal. Good.
- a voice database storing voice data of the user of the payment terminal is further provided, and the second communication unit transmits a message requesting the payment terminal to input the voice of the user, and receives the voice of the user from the payment terminal. Then, the processing unit may authenticate the user by collating the user's voice using a voice database.
- the processing unit extracts the authentication information registered by the user of the payment terminal from the payment terminal database, the second communication unit transmits an instruction for inquiring the authentication information to the payment terminal, and the payment terminal inputs the instruction to the instruction
- the user may be authenticated by receiving the response from the payment terminal and checking the response received from the payment terminal by the processing unit with the authentication information extracted from the payment terminal database.
- the authentication information registered by the user of the payment terminal which is extracted from the payment terminal database by the processing unit, includes the password of the user, image data of the user's face, iris or retina image data of the user's eyeball, and usage
- the response received by the processing unit from the payment terminal for at least one of the image data of the fingerprint of the user and the processing unit to collate with the authentication information may be at least one of character data and image data.
- the system communicates with a settlement device for settling a transaction, and A billing terminal for making a payment in a transaction to a payment terminal for making a payment in a transaction, comprising: a communication unit connected to the settlement device via a communication network; and a processing unit for performing a billing process in the transaction.
- the unit transmits an identification number for identifying the billing terminal to the payment device, and receives a synchronization confirmation signal indicating that synchronization with the payment terminal has been established from the payment device.
- the communication unit may be connected to the settlement device via any of a telephone line, a dedicated line, and wireless telephone communication.
- a display unit for displaying a processing status of the processing unit wherein the communication unit receives a transaction identification number for identifying the transaction from the payment device, and the display unit displays the transaction identification number, whereby the transaction identification number is displayed.
- the display unit receives the synchronization confirmation signal.
- a short-distance communication unit that communicates with the payment terminal by optical communication or wireless communication may be further provided, and the short-range communication unit may transmit the transaction identification number to the payment terminal.
- the communication unit may transmit the purchase price in the transaction to the settlement apparatus and receive a settlement completion notification for notifying the completion of the settlement from the settlement apparatus.
- the communication unit may receive authentication information of the user of the payment terminal from the payment device, and the processing unit may authenticate the user based on the authentication information received from the payment device.
- the user authentication information may be a face photograph of the user.
- the processing unit fails to authenticate the user based on the photograph of the user's face, the communication unit sends a signal requesting authentication using the user's password to the payment device, and the success or failure of the authentication using the password. May be received from the payment device.
- the payment terminal further includes a product selection unit that allows a user of the payment terminal to select a product to be purchased, and a product discharge unit that discharges the purchased product, and the communication unit indicates that synchronization with the payment terminal has been established.
- the product selection unit allows the user to select a product
- the communication unit transmits the price of the product selected by the user to the payment device as a purchase price of the transaction. Receipt of payment completion notification from payment device
- the merchandise discharging unit may discharge the merchandise selected by the user according to the settlement completion notification.
- the communication unit transmits product order information to the payment terminal user to input a product order to the payment device, and receives the order content input by the payment terminal user based on the order information from the payment device.
- the processing unit calculates the purchase price based on the order content, and the communication unit sends the purchase price calculated by the processing unit to the payment device, and sends a payment completion notification from the payment device to notify the completion of the payment process. You may receive it.
- a payment terminal that performs payment for a transaction communicates with a payment device that performs payment for the transaction, and communicates with a computer terminal that makes a request for the transaction and displays the status of the transaction.
- a billing terminal for providing information on the transaction wherein the first communication unit connects to a settlement device via a communication network, and the second communication unit connects to a computer terminal via a communication network.
- a processing unit for performing a billing process in the transaction wherein the first communication unit transmits an identification number for identifying the billing terminal to the payment device, and receives a transaction identification number for identifying the transaction from the payment device.
- the second communication unit sends the transaction identification number to the computer terminal to notify the user of the payment terminal of the transaction identification number, and the first communication unit establishes synchronization with the payment terminal Synchronization confirmation
- the authentication signal is received from the settlement device.
- the second communication unit receives the purchase price in the transaction from the computer terminal, the first communication unit transmits the purchase price to the payment device, and receives a payment completion notification from the payment device to notify the completion of the payment. You may.
- the second communication unit transmits to the computer terminal at least one of the synchronization confirmation signal and the payment completion notification received from the settlement device by the first communication unit so that the computer terminal displays the status of the transaction. You may.
- an authentication device which communicates with a first terminal and a second terminal which requests authentication of a user of the first terminal, and performs authentication requested by the second terminal.
- a user database that stores authentication information registered by a user of the first terminal; a first communication unit that connects to the first terminal via a first communication network; And a second communication unit connected to the second terminal via the second communication network.
- a processing unit for performing authentication wherein the processing unit sets an identification number for identifying the authentication requested by the second terminal, and the first terminal transmits the same identification number as the identification number to the authentication device.
- the communication with the first terminal is synchronized with the communication with the second terminal, and the second communication unit receives an authentication request for authenticating the user of the first terminal from the second terminal.
- the processing unit extracts authentication information for authenticating the user of the first terminal from the user database, the first communication unit transmits a command for inquiring the authentication information to the first terminal, The first terminal receives a response input from the first terminal to the command from the first terminal, and the processing unit compares the response received from the first terminal with the authentication information extracted from the database, thereby obtaining the first terminal.
- the second communication unit authenticates the user of the By sending to the terminal, and wherein the authenticating the benefits for the user of the first terminal.
- the authentication information extracted by the processing unit from the database and registered by the user of the first terminal includes a user password, voice data emitted by the user, image data of the user's face, an iris of the user's eyeball, At least one of the retinal image data and the user's fingerprint image data, and the processing unit receives character data, voice data, At least one image data may be used.
- a recording medium storing a computer program for communicating with a billing terminal for making a bill in a transaction and a payment terminal for making a payment in the transaction, and for performing a transaction settlement.
- a first communication module that causes the computer to communicate with the billing terminal via a telephone line or a dedicated line
- a second communication module that causes the computer to communicate with the payment terminal via wireless telephone communication.
- a processing module that performs transaction settlement processing. The processing module sets a transaction identification number that identifies the transaction, and the payment terminal sends the same transaction identification number as the transaction identification number to the payment device.
- the communication with the billing terminal and the communication with the payment terminal are synchronized.
- FIG. 1 is a configuration diagram of an electronic payment system according to a first embodiment of the present invention.
- FIG. 2 is a schematic diagram of a cashier terminal 10.
- FIG. 3 is a schematic diagram of a mobile phone as an example of the user terminal 20.
- FIG. 4 is a configuration diagram of the sync server 30.
- FIG. 5 is a flowchart of a payment process of the electronic payment system according to the first embodiment.
- FIG. 6 is a flowchart of the cashier terminal information inquiry 104 process.
- FIG. 7 is a flowchart of the processing of the cashier number verification 1 16.
- FIG. 8 is a flowchart of the process of the user information inquiry 128.
- FIG. 9 is a flowchart of the visual authentication 1 32 processing.
- FIG. 10 is a flowchart of the process of collating 13 6 between the purchase amount and the available amount.
- FIG. 11 is a flowchart of the final purchase confirmation 140 processing.
- FIG. 12 is an example of a screen of the cashier-side display unit 702 of the cashier terminal 10.
- FIG. 13 is an example of a screen of the display unit 800 of the user terminal 20.
- FIG. 14 is a configuration diagram of an electronic payment system according to the second embodiment of the present invention.
- Figure 15 is an example of a mail-order catalog.
- FIG. 16 is a flowchart of the settlement processing of the electronic settlement system according to the second embodiment.
- FIG. 17 is a flowchart of the processing of the cashier information inquiry 206.
- FIG. 18 is a flowchart of the process of the user information inquiry 208.
- FIG. 19 is a flowchart of the process of password authentication 210.
- FIG. 20 is a flowchart of the process of the synchronization establishment 226.
- FIG. 21 is a flowchart of the order input 234 process.
- FIG. 22 is a flowchart of the process of matching the purchase amount with the available amount.
- Figure 23 is a flowchart of the final purchase confirmation 248 process.
- FIG. 24 is an example of a screen of the display unit 802 of the user terminal 20.
- FIG. 25 is a configuration diagram of the electronic payment system according to the third embodiment of the present invention.
- FIG. 26 is a flowchart of the settlement process of the electronic settlement system according to the third embodiment.
- FIG. 27 is a flowchart of the process of the user information inquiry 306.
- FIG. 28 is a flowchart of the voice authentication 308 process.
- FIG. 29 is a flowchart of the processing of the cashier information inquiry 3 15.
- FIG. 30 is a configuration diagram of an electronic payment system according to the fourth embodiment of the present invention.
- FIG. 31 is a schematic diagram of a mobile terminal having a communication function, which is an example of the user terminal 20.
- FIG. 32 is a flowchart of the settlement process of the electronic settlement system according to the fourth embodiment.
- FIG. 33 is a flowchart of the process of user image information authentication 211.
- FIG. 34 is a configuration diagram of the electronic payment system according to the fifth embodiment of the present invention.
- FIG. 35 is a schematic diagram of the vending machine 16.
- FIG. 36 is a flowchart of the settlement process of the electronic settlement system according to the fifth embodiment.
- FIG. 37 is an example of a screen of the display unit 802 of the user terminal 20.
- FIG. 38 is a configuration diagram of the electronic payment system according to the sixth embodiment of the present invention.
- FIG. 39 is a flowchart of a settlement process of the electronic settlement system according to the sixth embodiment.
- FIG. 40 is a flowchart of the processing of the cashier information inquiry 508.
- FIG. 41 is a flowchart of the processing of the cashier number collation 5 28.
- FIG. 42 is a flowchart of the process of the user information inquiry 5 36.
- FIG. 43 is a flowchart of the process of password authentication 538.
- FIG. 44 is an example of a display screen of the user computer 22.
- FIG. 45 is a block diagram illustrating a hardware configuration of the general-purpose computer 600.
- FIG. 46 is a block diagram illustrating a functional configuration of software executed by the CPU 602.
- An electronic payment system when a consumer purchases a product at a retail store and pays for the product, payment can be made electronically via a communication network.
- a communication network In the following, consumers are called users.
- FIG. 1 is a configuration diagram of the electronic payment system of the present embodiment.
- the electronic payment system includes a cashier terminal 10 as an example of a billing terminal, a user terminal 20 as an example of a payment terminal, a synchronization server 30 as an example of a payment device, and a carrier server 4.
- a cash register database 50 as an example of a billing terminal database
- a user database 60 as an example of a payment terminal database
- a user account database 70 The communication line 18 is a communication line connecting the cashier terminal 10 and the sync server 30 and may be either a telephone line or a dedicated line.
- the wireless communication transmission path 28 is a transmission path for wireless telephone communication connecting the user terminal 20 and the carrier server 40.
- the communication line 38 is a communication line connecting the carrier server 40 and the sink server 30 and may be either a telephone line or a dedicated line.
- FIG. 2 is a schematic diagram of the cashier terminal 10.
- the cashier terminal 10 has a customer-side display unit 700, a cashier-side display unit 72, a cashier body 704, a sync lamp 706, and an infrared communication unit 708 as an example of a short-range communication unit.
- the cashier terminal 10 is connected via a telephone line or a dedicated line. It has a communication function to connect to the port server 30.
- the customer-side display section 700 has a display screen such as a liquid crystal display or an LCD for displaying character information on the back side of the cashier terminal 10, and displays the total price of the product, a cashier number described later, and the like. Display and notify user.
- the cashier-side display unit 72 displays the process of calculating the price of the product and the process of electronic payment.
- the synchro lamp 706 is a lamp that is turned on to notify the synchro state when a “synchro” state described later is established.
- the infrared communication unit 708 performs data communication with the infrared communication unit 808 of the user terminal 20 of the user by infrared communication.
- the user terminal 20 instructs the user to pay for the product purchased by a credit means such as a credit card or a bank card.
- a credit means such as a credit card or a bank card.
- An example of the user terminal 20 is a wireless telephone communication means such as a mobile phone.
- Another example of the user terminal 20 is a portable terminal such as a PDA or a notebook-type vascon, which can perform communication by connecting to a wireless communication means such as a mobile phone.
- FIG. 3 is a schematic diagram of a mobile phone as an example of the user terminal 20.
- the user terminal 20 has an antenna 800, a display unit 800, an operation button 804, a dial button 806, and an infrared communication unit 808.
- the user terminal 20 communicates with the carrier server 40 by way of the antenna 800 via the wireless communication transmission path 28.
- the user terminal 20 has a data packet communication function and can transmit and receive digital data.
- the display unit 802 displays character information and image information transmitted and received by the data packet communication function.
- the operation unit 804 selects a menu or a button displayed on the display unit 802.
- the dial button 806 is a button for inputting a telephone number, a password, and the like.
- the infrared communication unit 808 performs data communication with the infrared communication unit 708 of the registration terminal 10.
- the user terminal 20 is connected to the carrier server 40 via the wireless communication transmission path 28.
- the carrier server 40 is connected to the sync server 30 via a communication line 38. Therefore, the user terminal 20 can perform data communication with the synchronization server 30.
- the synchronizing server 30 performs settlement processing of merchandise transactions between the retail store and the user.
- the sink port server 30 includes a cash register database 50 storing information of cash register terminals 10, a user database 60 storing information of user terminals 20, and a credit or bank account of the user.
- the sync server 30, cash register database 50, user database 60, and user account database 70 may be provided in a credit company or bank network. Only the user account database 70 may be provided in the network of the credit company or bank, and the sink server 30 may connect to the user account database 70 via a dedicated line.
- the synchronization server 30 connects to the cashier terminal 10 and the user terminal 20 via a communication network to perform data communication. There is no direct communication means between the cashier terminal 10 and the user terminal 20.
- the synchronization server 30 acquires information related to the billing of the merchandise transaction by communicating with the cashier terminal 10, and acquires information related to the payment of the merchandise transaction by communicating with the user terminal 20.
- the synchronization server 30 synchronizes the communication with the cashier terminal 10 and the communication with the user terminal 20 to settle the transaction between the cashier terminal 1 ⁇ and the user terminal 20. .
- FIG. 4 is a configuration diagram of the sync server 30.
- the synchronizing server 30 includes a processing unit 80 for processing a payment, a first communication unit 82 for processing data communication via the communication line 18, a communication line 38 and a wireless communication transmission line 28. And a database search unit 86 that accesses the cashier database 50, the user database 60, and the user account database 70 and searches database information. .
- the “synchronous settlement” means that the cashier terminal 10 does not perform communication between the cashier terminal 10 and the user terminal 20, and the cashier terminal 10 via the sync server 30 that communicates with both the cashier terminal 10 and the user terminal 20.
- This method synchronizes communication between the cashier terminal 10 and the user terminal 20 in real time, and performs the transaction settlement processing between the cashier terminal 10 and the user terminal 20.
- the synchronizing server 30 requests the transaction for a specific transaction. It is necessary to identify the cashier terminal 10 to perform and the user terminal 20 to pay for the transaction, synchronize the communication between the cashier terminal 10 and the user terminal 20, and perform the settlement process for the transaction between the two. .
- cash number is used as an example of a transaction identification number for identifying a specific transaction.
- the sync server 30 determines the cashier number and transmits it to the cashier terminal 10.
- the cashier terminal 10 displays the cashier number received from the synchronizing server 30 on the customer-side display unit 700 to notify the user of the cashier number.
- the user uses the user terminal 20 to input the notified cash register number, and transmits the cash register number when connecting to the sync server 30.
- the sync server 30 communicates with the cash register terminal 10 and the user terminal 2 Synchronize 0 communication. If there is no matching cash register number, the user terminal 20 is not synchronized with any cash register terminal 10. In this way, for the specific transaction identified by the cash register number, the sync server 30 associates the cash register terminal 10 for billing the transaction and the user terminal 2 ⁇ for payment of the transaction with the cash register number. The payment process is performed by synchronizing the communication between the cashier terminal 10 and the user terminal 20. Therefore, the transaction between the cashier terminal 10 and the user terminal 20 can be settled without performing direct communication between the cashier terminal 10 and the user terminal 20.
- a mobile phone which is an example of the user terminal 20, has an outgoing telephone number unique to the mobile phone, and a unique outgoing telephone number is used whenever a call is made.
- the calling phone number is unique to the mobile phone, and it is not possible to make a call from the other mobile phone using the same caller phone number. Therefore, as long as the mobile phone is used by the mobile phone holder, the calling phone number of the mobile phone can be used to identify the user.
- a mobile phone can act as a driver's license or other ID card.
- the user database 60 stores data in which the calling telephone number of the mobile phone is associated with the information of the user of the mobile phone, and determines whether the user of the mobile phone is the owner of the mobile phone. Authenticate whether.
- the sync server 30 When connected to the user terminal 20, the sync server 30 detects the calling telephone number of the user terminal 20, searches the user database 60 based on the calling telephone number, and extracts information about the user. And authenticate the user. Authentication methods include visual authentication, password authentication, and voice authentication, and these authentication methods can be used in combination.
- the sync server 30 extracts the user's face photo data from the user database 60 and sends it to the cashier terminal 10 so that the cashier can authenticate whether the user is himself.
- the synchronizer 30 extracts password information from the user database 60 and sends the password to the user terminal.
- a passcode request command is transmitted to 20 and the user is caused to input a passcode from the user terminal 20 and transmitted to the sync server 30.
- the sync server 30 compares the transmitted password with the password registered in the user database 60, and The success or failure of the authentication is transmitted to the cashier terminal 10.
- voice authentication instead of a password
- the registered word is recorded in the database of the voice data generated by the user, and the user is made to input utterance data of the registered mode from the user terminal 20 and transmitted to the synchronizing server 30.
- the authentication accuracy can be improved by performing multiple authentication, such as combining other authentication methods such as password authentication.
- the cashier terminal 10 and the user terminal 20 do not directly communicate, and secret information such as a password is not exchanged between the cashier terminal 10 and the user terminal 20.
- the synchronization server 30 communicating with both the cashier terminal 10 and the user terminal 20 mediates the authentication process, so that the cashier who uses the cashier terminal 10 can identify the user who uses the user terminal 20. Can be indirectly authenticated. Therefore, the user can authenticate the user without confidential information such as a password being known to the cashier or without transmitting data such as a password from the user terminal 20 to the cashier terminal 10. There is no risk of leaking user's personal information. Even if data exchanged between the user terminal 20 and the sink server 30 may be stolen due to eavesdropping, personal information is not transmitted or received at all, so it is safe.
- FIG. 5 is a flowchart of the settlement processing of the electronic settlement system of the present embodiment.
- Cashier terminal 10, user terminal 20, and synchronizer The payment process of the server 30 is shown in a flow chart along time, and the exchange of information between the cashier terminal 10, the user terminal 20, and the synchronization server 30 is shown by a horizontal arrow.
- 6 to 11 are flowcharts showing the details of the processing in FIG.
- FIG. 12 is a screen example of the cashier-side display unit 720 of the cashier terminal 10, and FIG.
- the exchange of information between the cashier terminal 10 and the synchronizing server 30 is performed via the communication line 18 and the information between the user terminal 20 and the synchronizing server 30.
- the exchange is performed via a wireless communication transmission line 28 and a communication line 38.
- the method of accessing the sync server 30 from the cashier terminal 10 may be either a method of dial-up access from a telephone line or a method of accessing a server gate via a dedicated line.
- the access method from the user terminal 20 to the sink port server 30 is performed by wireless telephone communication when the user terminal 20 is a mobile phone.
- a user purchases a product and pays for the product at a cash register.
- the cashier receives an electronic payment request from the user, selects an electronic payment menu from the cashier terminal 10, and starts synchronized payment (100).
- the cashier terminal 10 accesses the sync server 30 (102).
- the cashier terminal 10 accesses the sink port server 30, it transmits a cashier registration number unique to the cashier terminal.
- the sink port server 30 starts connection with the cashier terminal 10 in response to access from the cashier terminal 10 and inquires cashier terminal information based on the cashier registration number transmitted from the cashier terminal 10. (104).
- the processing of the cashier terminal information inquiry 104 will be described with reference to FIG.
- the synchronization server 30 accesses the cashier database 50 (1042), and extracts cashier terminal information of the cashier terminal corresponding to the cashier registration number (1044).
- the cashier terminal information the name of the retail store, the name of the store, the authentication method, and the like are registered. Authentication methods include a visual authentication method and a password authentication method.
- the cashier terminal information specifies which authentication method to use.
- Sync server 30 It decides to adopt the authentication method set in the report (106). In the following, a description will be given assuming that the adoption of the visual authentication method has been determined as the authentication method.
- the sync server 30 assigns a cashier number to the cashier terminal 10 (1048).
- the cashier number is a number for identifying a payment to be made by the cashier terminal 10 in the future.
- the cashier number is, for example, a sequence of numbers generated by random numbers, and has the shortest possible number of digits for ease of input from the user terminal 20.
- the synchronizing server 30 communicates with the cashier terminal 10 and the user terminal 2. 0 cannot be correlated. Therefore, register numbers are assigned so that the same register number is not used more than once in a given time. However, after a certain period of time, the same cash register number may be used again as the cash register number. By doing so, it is possible to maintain the uniqueness of the cash register number without increasing the number of digits of the cash register number.
- a short-digit cash register number may collide with a cash register number generated by random numbers. In such a case, it is possible to avoid the collision of the cash register numbers by devising the range of random numbers so that the cash register numbers of the branches do not conflict with each other.
- the cash register number is a number that uniquely identifies a transaction, rather than a long-digit number such as a transaction ID that is uniquely defined for all transactions. It is a number with a short number of digits.
- the synchronization server 30 distributes the cashier number to the cashier terminal 10 (106). At this time, the synchronizing server 30 enters an “access waiting” state of waiting for the user terminal 20 to access using the register number. Also, it is assumed that the registration terminal 10 to which the cash register number has been distributed is in a “waiting for synchronization” state.
- the cashier terminal 10 displays the cashier number transmitted from the synchronization server 30 on the customer-side display unit 700 (108).
- the cashier terminal 10 displays the screen shown in Figure 12 (a). Then, the cashier number is displayed, and the fact that the user terminal is in the “synchro waiting” state for waiting for access to the sync server 30 using this cashier number is displayed.
- the cashier notifies the user of the cashier number displayed on the cashier terminal 10 (110).
- the cashier may verbally provide the user with the cashier number.
- the cashier number displayed on the customer-side display unit 700 of the cashier terminal 1 ⁇ may be shown to the user.
- the cashier can cancel the payment process by selecting the cancel button on the screen shown in Fig. 12 (a).
- This cancellation process is performed when the user terminal 20 cannot access the sync server 30 due to a communication failure or the like, even though the user terminal 20 has correctly transmitted the cash register number. Is performed when synchronization cannot be established.
- a cashier number input screen shown in FIG. 13 (a) is displayed on the user terminal 20.
- the user inputs the cashier number notified by the cashier (112).
- the user selects the transmission button on the registration number input screen, and transmits the registration number to the sync server 30 (114). Or you can select the Cancel button to cancel and end the payment process.
- This canceling process is performed, for example, when the settlement process cannot proceed even if the cash register number is correctly input due to a communication failure or the like.
- the sink port server 30 receives the cash register number transmitted from the user terminal 20 and collates the cash register number (1 16).
- the "synchro" state between the cashier terminal 10 and the user terminal 20 realized by checking the cashier number will be described.
- the synchronization server 30 is in an “access waiting” state of waiting for the user terminal 20 to access and transmit the cashier number. In the “waiting for access” state, if there is a user terminal 20 that accesses using the same cash register number as the cash register number assigned to the cashier terminal 10, the sync server 30 will register the cashier terminal 10 and the user terminal 2. Establish a “synchro” state of one unit between 0 and realize synchronization between the cashier terminal 10 and the user terminal 20. The access from a plurality of user terminals 20 is not associated with one cashier terminal 10 for one cashier number.
- the timeout setting is performed for the “access waiting” state of the sync server 30. Waiting for access from the user terminal 20 is limited to, for example, 3 minutes. If there is no access to the cashier number issued from the user terminal 20 even after the time limit, the sync server 30 disconnects the cashier terminal 10 and initializes it. This time-out function is troublesome when the user inputs a cash register number by mistake or when the communication between the user terminal 20 and the sync server 30 is bad and information exchange is not performed normally. Set for avoidance.
- the sync server 30 is in the “access waiting” state, has access from the user terminal, checks whether the cash register number has been transmitted from the user terminal (1 16 2), and if there is no access, Then, it is checked whether the set time of the timeout has elapsed (11164), and if it has elapsed, the connection with the cashier terminal 10 is disconnected (111666), and the process is terminated. At this time, the cashier terminal 10 displays the screen shown in FIG. 12 (b), indicating that the connection has been forcibly disconnected.
- the user terminal 20 When the user terminal 20 has transmitted the cashier number, it is checked whether there is a cashier terminal 10 in the “waiting for sync” state corresponding to the cashier number (1 1 6 8). The cashier number verification error message is sent (1 170). The user terminal 20 displays the screen shown in FIG. 13B showing the cashier number error (1 1 7 2). If the user selects the @K button here, the process returns to step 112, and the user terminal 20 redisplays the screen shown in FIG. 13 (a), prompting the user to re-enter the cashier number.
- the sync server 30 establishes the “sync” state of the cash register terminal 10 and the user terminal 20. Then, the communication with the cashier terminal 10 and the communication with the user terminal 20 are synchronized (1174).
- the synchronization server 30 transmits a synchronization signal to the cashier terminal 10 (118).
- the cashier terminal 10 receives the sync signal from the sync server 30, and turns on the sync lamp 706 of the cashier terminal 10 (120). Due to this, the cashier is in synch I can let you know.
- the synchronization server 30 distributes the cashier terminal information obtained from the cashier database 50 in the cashier terminal information inquiry 104 to the user terminal 20.
- the user terminal 20 displays the screen shown in FIG. 13 (c) and prompts the user to confirm that the synchronized cash register terminal is correct (124).
- the cancel button the process returns to the process of register number input 1 1 2.
- This cancellation process is used, for example, to cancel the payment process when the user synchronizes with the wrong cashier terminal because the user has entered the wrong cashier number.
- the user terminal 20 sends a cashier terminal information confirmation signal to the sync server 30. Yes (1 2 6).
- the synchronization server 30 Upon receiving the cashier terminal information confirmation signal transmitted by the user terminal 20, the synchronization server 30 performs a user information inquiry 128.
- the synchronizer 30 detects the user terminal number of the user terminal 20 (1280).
- the user terminal number is a calling telephone number when the user terminal 20 is a mobile phone.
- the sink server 30 accesses the user database 60 (1282), and checks whether the user terminal 20 is registered as a user (1284). If the user has not been registered, the message “Not registered” is sent to the user terminal 20 (1286).
- the user terminal 20 displays the screen shown in FIG. 13D showing that the user has not been registered.
- the sink port server 30 releases the synchronized state of the cashier terminal 10 and the user terminal 20 (1290), and ends.
- the user information is extracted from the user database 60 (1292).
- the user information contains information on the usage status of the user, and based on the information, checks whether there is any problem with the usage status of the user's credit card or bank card (1294). If there is a problem with the usage status, a message “unavailable” is sent to the user terminal 20 (1296).
- the user terminal 2 ⁇ displays the image shown in Fig. 13 (e), indicating that it cannot be used. The face is displayed.
- the synchronization server 30 releases the synchronization state of the cashier terminal 10 and the user terminal 20 (1298), and ends.
- sync server 30 proceeds to the next process.
- Synchronous multi-authentication is authentication having a plurality of authentication stages performed between the cashier terminal 10 and the user terminal 20 after the synchro server establishes a sink port state between the cashier terminal 10 and the user terminal 20.
- Information about authentication is not exchanged between the cashier terminal 10 and the user terminal 20, and only information between the cashier terminal 10 and the synchronizing server 30 and between the user terminal 20 and the synchronizing server 30 are related to authentication. Are exchanged.
- the synchronization server 30 mediating the authentication, the cashier can authenticate the user of the user terminal 20 without the user exchanging any personal authentication information of the user with the cashier.
- the synchronization server 30 acquires the image of the face photograph of the user from the user database 60 in the user information inquiry 128, and distributes the image data of the face photograph to the cashier terminal 10 (130).
- the cashier terminal 10 receives the face photograph image data of the user from the synchronization server 30, and performs visual authentication (132).
- FIG. 12D is a display example of the screen of the cashier terminal 10.
- the cashier compares the user with the face photo and confirms whether or not he / she is himself (1322). If it is doubtful or the purchase is expensive, the cashier selects the DOUBT button on the screen shown in FIG. 12 (d) and sends a DOUBT signal to the sync server 30 (1324). At this time, the cashier terminal 10 displays a screen indicating that password authentication is being performed, as shown in FIG. 12 (e). If the cashier selects the ⁇ K button in FIG. 12 (d), the visual authentication processing 1 32 ends.
- the sync server 30 When the sync server 30 receives the DOUBT signal from the cashier terminal 10, the sync server 30 obtains data necessary for authentication from the user database 60 and creates authentication data in order to perform password authentication (1 3 2 6) .
- the synchronization server 30 initializes a variable n for storing the number of password requests to zero (1 328).
- the synchronizing server 30 increments n by 1 (1330), and transmits a pass-side request message to the user terminal 20 (1332).
- the screen shown in FIG. 13 (f) is displayed on the user terminal 20, and the user inputs a password (1 334).
- the user terminal 20 transmits the password input by the user to the synchronization server 30 (13336).
- the synchronization server 30 receives the password transmitted from the user terminal 20, and checks whether the password is correct (1338).
- the process returns to 1330 and the password request is repeated. If the number of password requests n is greater than 2, an authentication-inhibited message is transmitted to the user terminal 20 (1344).
- the user terminal 20 displays the screen shown in FIG. 13 (g) that informs that the service cannot be used because the authentication could not be performed (1346). In addition, it sends an unauthenticated message to cashier terminal 10 (1342).
- the cashier terminal 10 displays a screen indicating that password authentication could not be performed (1350), and ends.
- the synchronizing server 30 After sending the authentication-inhibited message to the user terminal 20 and the cashier terminal 10, the synchronizing server 30 releases the synchronized state between the cashier terminal 10 and the user terminal 20 (1348).
- the synchronization server 30 confirms that the password is correct in the password verification 1 3 3 8 in the password authentication, it transmits a password authentication OK signal to the cashier terminal 10 (1348).
- the cashier terminal 10 displays the screen of FIG. 12 (f) indicating that the password authentication has been successful (1350), and terminates the visual authentication processing 1332.
- the cashier terminal 10 transmits purchase price information including the total purchase price to the synchronization server 30 (134).
- the synchronization server 30 receives the purchase amount information from the cashier terminal 10, The processing of matching the purchase price with the available price 1 36 is performed.
- the sync server 30 obtains the available amount of the user's credit card or bank card, etc. obtained from the user database 60 in the user information inquiry 128, and the purchase amount transmitted by the cashier terminal 10. Is compared (1362), and if the purchase amount does not exceed the available amount, the matching is terminated. If the purchase amount exceeds the available amount, the user terminal 20 message “Exceeded amount” is sent (1 364), and the state of the sink between the cashier terminal 10 and the user terminal 20 is checked. Cancel (1366). At this time, a screen shown in FIG. 13 (h) is displayed on the user terminal 20, notifying that the usage limit has been exceeded.
- the synchronization server 30 transmits total amount information including the purchase amount to the user terminal 20 (138). Upon receiving the total price information from the sync server 30, the user terminal 20 performs a final purchase confirmation process 140.
- the final purchase confirmation processing 140 will be described with reference to FIG.
- the user terminal 20 displays the screen shown in FIG. 13 (i) and displays the total purchase amount (1402).
- the user confirms whether the total purchase amount is correct (1404), and if correct, selects the OK button on the screen and ends the final purchase confirmation process 140.
- the user selects the cancel button if the total purchase price is incorrect.
- the user terminal 20 displays the screen shown in FIG. 13 (j) indicating that the payment has been canceled (1406), and sends a cancel signal to the sink server 30. Yes (1 408).
- the sync server 30 sends a cancel signal to the cashier terminal (141 0).
- the cashier terminal 10 displays the screen shown in FIG. 12 (g), which indicates that the payment has been canceled by the user (1442).
- the sync server 30 cancels the synchronization between the cashier terminal 10 and the user terminal 20 (144 1 4).
- the end 20 sends a purchase final confirmation signal to the synchronizing server 30 (142).
- the synchronizing server 30 accesses the user account database 70 and performs a settlement process for recording purchase information (144).
- the synchronization server 30 sends a payment completion notification to the cashier terminal 10 (146), and sends a receipt to the user terminal 20 (150).
- the cashier terminal 10 displays the screen shown in FIG. 12 (h) indicating that the payment has been completed (148).
- the user terminal 20 displays the screen shown in FIG. 13 (k) indicating that the payment is completed (15 2).
- the synchronization server 30 when the synchronization server 30 sends the settlement completion notification 1 46 to the cashier terminal 10, the synchronization server 30 has some attributes related to the user of the user terminal 20 who made the payment for the transaction. Information may be extracted from the user database 60 and transmitted to the cashier terminal 10.
- the attribute information of the user sent to the cashier terminal 10 is, for example, information on the attribute of the user such as gender and age, and preferably does not include personal information such as a name, an address and a credit card number.
- the cashier terminal 10 may acquire information on the user who has paid for the transaction, and accumulate the contents of the transaction and the user information in the database of the retail store as a purchase history. Therefore, the retail store can extract the purchase behavior of the user, such as the age group of the user who purchases a specific product, from the purchase history information accumulated in the database, and can use it for product marketing.
- the synchronization server 30 receives the total purchase price of the merchandise from the cashier terminal 10, but receives detailed information on the purchased merchandise, such as the name and unit price of the purchased merchandise, and stores the user database 60 in the user database 60. It may be recorded as a purchase history.
- the user terminal 20 can inquire of the sink server 30 about the purchase history of the user, and can receive the purchase history from the sink server 30.
- the functions and operations of the payment processing of the electronic payment system according to the present embodiment are as described above. If a communication failure such as a communication interruption occurs in the above settlement exchange, information and temporary data for all processes are initialized and the process is terminated.
- a communication failure such as a communication interruption occurs in the above settlement exchange
- information and temporary data for all processes are initialized and the process is terminated.
- the cashier verbally tells the user the cashier number
- the cashier number displayed on the customer display unit 700 of the cashier terminal 10 is shown to the user, but the method of transmitting the cashier number to the user or the user terminal 20 is not limited to this.
- the cashier number received by cashier terminal 10 is the infrared communication unit of cashier terminal 10
- the cashier terminal 10 and the user terminal 20 each have a wireless communication unit as an example of a short-range communication unit, and use a B 1 uetooth system.
- the cashier number may be transmitted and received using wireless communication for mobile devices.
- the sync server 30 performs cashier terminal information inquiry 104, cashier number collation 1 16, user information inquiry 1 28, collation of purchase amount and available amount 1 36, settlement process 1 4
- the processing of 4 is the payment processing section of the sync server 30
- the sync server 30 performs data communication with the cashier terminal 10; access reception from the cashier terminal 10; transmission of the cashier number to the cashier terminal 10; and transmission to the cashier terminal 10.
- Synchronization signal distribution 1 1 8 User face photo image distribution to cashier terminal 10 3 0, purchase amount information received from cashier terminal 10 3 4
- Payment completion notification 1 4 6 The first communication unit 82 of 30 performs this.
- the sync server 30 is a data communication performed with the user terminal 20, receiving a cash register number 114 from the user terminal 20, distributing cash register terminal information to the user terminal 120, Receipt of cashier terminal information confirmation signal from user terminal 20 1 2 6, Total price information transmission to user terminal 20 1 3 8, Purchase final confirmation signal from user terminal 20 1 4 2, User terminal 2 0
- the second communication unit 84 of the sink server 30 processes the receipt notification 150 to the server.
- the user registers a plurality of passwords in the user database 60 in advance.
- a four-digit number is used as a password for a smart card or a cash card
- the user uses a simple combination of numbers, a date of birth, a telephone number, etc. to make it easy to remember. It is easily known and may be misused.
- the user registers information that only the user knows, such as the maiden name of his mother, the name of his grandfather or grandmother, and the name of his / her home address.
- the synchronization server 30 randomly selects one of the pieces of registration information, and transmits a question inquiring about the registration information to the user terminal 20. Unless the user of the user terminal 20 is the person himself / herself, he / she cannot correctly answer the contents randomly asked. In this way, if there is any doubt about the authentication using the facial photograph, the password can be queried more randomly, so that the accuracy of the authentication can be reliably increased.
- the cashier at the retail store can authenticate the user with the photograph data of the face, and in the case of suspicion or expensive payment, can further request the user to input a password.
- the accuracy of the authentication can be increased depending on the situation.
- the user can easily and safely make payments using a mobile device having a wireless communication function such as a mobile phone or a mobile terminal.
- FIG. 14 is a configuration diagram of the electronic payment system according to the present embodiment.
- the electronic payment system according to the present embodiment includes a cashier server 14, a virtual cashier terminal 12 as an example of a billing terminal, a user terminal 20 as an example of a payment terminal, and a synchronization server 3 as an example of a payment device.
- the cashier server 14 is a server system that acts as a proxy for mail-order sales.
- the cashier server 14 configures a virtual cashier terminal 12 in the server, and performs billing for transactions with users.
- the synchronizing server 30 performs a settlement process for merchandise transactions between the mail-order seller and the user.
- the sync server 30 is connected to the cashier terminal 10 and the user terminal 20 via a communication network to perform data communication.
- the virtual cashier terminal 12 in the cashier server 14 is connected to the synchronizing server 30 via the communication line 18 to perform data communication.
- the communication line 18 may be either a telephone line or a dedicated line.
- the user terminal 20 connects to the carrier server 40 via the wireless communication transmission line 28.
- the carrier server 40 is connected to the sink server 30 via a communication line 38. There is no direct communication means between the virtual cashier terminal 12 and the user terminal 20.
- the sync server 30 obtains information related to a request for merchandise transaction by communicating with the virtual cashier terminal 12, and acquires information related to payment of the merchandise transaction by communicating with the user terminal 20.
- the communication between the virtual cashier terminal 12 and the user terminal 20 is settled by synchronizing the communication with the terminal 12 and the communication with the user terminal 20.
- Figure 15 is an example of a mail-order catalog.
- the catalog shows the cash register number that identifies this mail order and the order number of each product. The user sees such a mail-order sales catalog and uses the user terminal 20 to order and settle the product. And do it.
- FIG. 16 is a flowchart of the settlement processing of the electronic settlement system according to the present embodiment.
- FIGS. 17 to 23 are flowcharts showing details of the processing in FIG.
- FIG. 24 is an example of a screen of the display unit 802 of the user terminal 20.
- the settlement process will be described with reference to FIG.
- the user selects the electronic payment menu from the user terminal 20 and starts electronic payment (200).
- a screen for inputting the “checkout number” shown in FIG. 24 (a) is displayed.
- the user enters the cashier number described in the mail order advertisement or catalog (202).
- the cash register number is a number for identifying the cash register server 14 that performs mail order sales.
- the user terminal 20 When the user selects the send button on the cashier number input screen, the user terminal 20 is connected to the sync server 30 and the cashier number is transmitted to the sync server 30 (204). If the user selects the cancel button on the cashier number input screen, the settlement process can be terminated. This cancellation process is performed when the settlement process cannot be proceeded even if the cashier number is correctly input due to a communication failure or the like.
- the sync server 30 receives the cash register number transmitted from the user terminal 20 and inquires cash register information using the cash register number (206).
- the processing of the cashier information inquiry 206 will be described with reference to FIG.
- the synchro server 30 accesses the cashier database 50 (2062), and extracts cashier information matching the cashier number (2064).
- the authentication method includes a voice authentication method, a password authentication method, and the like, and the cashier information sets which authentication method to use.
- the sync server 30 decides to use the authentication method set in the cashier information (2066). In the following, a description will be given assuming that the use of the pass-through authentication method has been determined as the authentication method.
- the sync server 30 proceeds to the user information inquiry 208 processing. .
- the process of the user information inquiry 208 will be described with reference to FIG.
- the synchronization server 30 detects the user terminal number of the user terminal 20. If the user terminal 20 is a mobile phone, the user terminal number is the calling phone number.
- the synchronizing server 30 accesses the user database 60 (2082) and checks whether the user terminal 2 2 is registered as a user based on the user terminal number (2084). If the user is not registered, a message “Not registered” is sent to the user terminal 20 (2086).
- the screen of FIG. 24 (b) is displayed on the user terminal 20, indicating that the user has not been registered. Synchronization server 30 disconnects from user terminal 20 (2900) and ends.
- the user information is extracted from the user database 60 (2092).
- the user information contains information on the user's usage status, and based on the information, checks whether there is any problem with the user's usage status of credit cards or bank cards (2094). If there is a problem with the usage status, a message “unavailable” is sent to the user terminal 20 (2096).
- the user terminal 20 displays the screen shown in FIG. 24 (c), indicating that it cannot be used.
- the sync server 30 disconnects the connection with the user terminal 20 (2098) and terminates.
- the sink server 30 proceeds to the password authentication 210 process.
- the process of password authentication 210 will be described with reference to FIG.
- the sync server 30 authenticates the user terminal based on the authentication method determined in the cashier terminal information inquiry 206.
- the synchronization server 30 obtains data necessary for authentication from the user database 60 to perform password authentication, and creates authentication data (2102).
- the synchronization server 30 initializes a variable n for storing the number of password requests to 0 (2104).
- the synchronization server 30 increments n by 1 (2106), and transmits a password request message to the user terminal 20 (2108).
- the synchronization server 30 receives the password transmitted by the user terminal 20, and checks whether the password is correct (2114).
- the process returns to 2 106 and the password request is repeated. . If the number of password requests n is greater than 2, the authentication process is terminated (2 118), and an authentication-inhibited message is transmitted to the user terminal 20 (2 120). The user terminal 20 displays the screen shown in FIG. 24E to notify that the service cannot be used because the authentication could not be performed (2124).
- the sync server 30 accesses the cash register server 14 using the cash register server access number extracted in the processing of the cash register information inquiry 206 (2 1 2).
- the cashier server 14 activates the virtual cashier terminal 12 configured in the cashier server 14 (2 14).
- the virtual cashier terminal 12 is a device or process serving as a cashier terminal, and may be a terminal device provided in the cashier server, or may be a program activated in the cashier server.
- the virtual cashier terminal 12 accesses the synchronization server 30 (2 16).
- the sync server 30 creates “link information” (2 18).
- the link information includes cashier terminal identification information for identifying the virtual cashier terminal 12 connected to the sync server 30 and cashier identification information for identifying the cashier server 14 such as a seller name and a welcome message. It is.
- the synchronization server 30 distributes the link information to the user terminal 20 (220).
- the user terminal 20 Upon receiving the link information from the sync server 30, the user terminal 20 displays a welcome message shown in FIG. 24 (f) on the screen. Users can look at this screen to see if they are the mail-order site they want to connect to.
- the user terminal 20 sends a link information confirmation signal to the sync server 3 Call to 0 (2 2 4).
- the link information confirmation signal includes cashier terminal identification information for identifying the virtual cashier terminal 12 included in the link information.
- the electronic payment can be canceled.
- This cancellation process is performed when an unintended mail-order site is displayed on the screen, for example, because the user has entered an incorrect cashier number.
- the sync server 30 When the sync server 30 receives the link information confirmation signal from the user terminal 20, the sync server 30 establishes a sync (226). With reference to FIG. 20, the process of establishing a synchro 2 26 will be described.
- the “sync” state is established when the user terminal 20 transmits a link information confirmation signal to the link information distributed by the sync server 30.
- the sink port server 30 is in an “access waiting” state in which the user terminal 20 accesses and waits for transmission of a link information confirmation signal.
- the sync server 30 The terminal 1 establishes a “synchro” state of 1 with the terminal 20, thereby realizing synchronization between the virtual storage terminal 12 and the user terminal 20. Access from a plurality of user terminals 20 is not associated with one piece of link information.
- a timeout is set, and the waiting for access from the user terminal 20 is limited to, for example, three minutes. If there is no response to the link information issued from the user terminal 20 even after the time limit expires, the sync server 30 disconnects the connection with the virtual cashier terminal 12 and initializes. This timeout function prevents troubles such as when the user cancels the process or when the communication between the user terminal 20 and the sync server 30 is bad and the information exchange is not performed normally. Set for.
- the synchronization server 30 is in the “access waiting” state, has access from the user terminal 20, and checks whether a link information confirmation response signal has been transmitted from the user terminal 20 (2). 2 6 2), If there is no access, It is checked whether or not the set time of the timeout has elapsed (2264). If the time has elapsed, the connection with the virtual cashier terminal 12 is disconnected (2266), and the processing ends.
- the user terminal 20 When the user terminal 20 transmits the link information confirmation signal, it checks whether there is a virtual cashier terminal 12 in the “waiting for synchronization” state corresponding to the link information (2268). Send a synchro error message (2270). The user terminal 20 displays a synchronization error on the screen (2
- the user terminal 20 interrupts the payment process and ends.
- the synchronization server 30 changes the “synchronization” state between the virtual cashier terminal 12 and the user terminal 20. It establishes and synchronizes communication with the virtual cashier terminal 12 and communication with the user terminal 20 (2274).
- the synchronization server 30 transmits a synchronization signal to the virtual cashier terminal 12 (228).
- the virtual cashier terminal 12 receives the synchro signal from the synchro server 30, it transmits merchandise information for mail order (230).
- the synchronization server 30 distributes the product information received from the virtual cashier terminal 12 to the user terminal 20 (232).
- the user terminal 20 allows the user to input a product order based on the product information received from the synchronization server 30 (234). Order entry 2 referring to Fig. 2 1
- the process of 34 will be described.
- the user terminal 20 displays a screen for inputting the order details shown in FIG. 24 (g).
- the user enters an order number and places an order for a product while referring to the mail-order sales catalog shown in Fig. 15 (2 3 2 2).
- the screen shown in Fig. 24 (h) is displayed, and the selected product can be confirmed. If you select the OK button in Fig. 24 (h), you will return to the screen in Fig. 24 (g) and you can enter the next order number.
- the order can be canceled by pressing the cancel button shown in Fig. 24 (h).
- the "shopping completed" button is pressed on the screen of FIG. 24 (g), the screen of FIG.
- the user terminal 20 transmits the order information to the synchronization server 30 (236).
- the synchronization server 30 distributes the order information received from the user terminal 20 to the virtual cashier terminal 12 which is in synchronization with the user terminal 20 (2 3 8
- the virtual cashier terminal 12 calculates the purchase price based on the order information received from the sync server 30 (240), and transmits the purchase price information including the total purchase price to the sink server 30 ( 2 4 2).
- the synchronization server 30 Upon receiving the purchase price information from the virtual cashier terminal 12, the synchronization server 30 performs a process of matching the purchase price with the available price 244.
- the synchronization server 30 compares the available amount of the user acquired from the user database 60 in the user information inquiry 208 with the purchase amount transmitted by the virtual cashier terminal 12 (2 4 4 2) If the purchase amount does not exceed the available amount, end the matching. If the purchase amount exceeds the available amount, a message “Exceeded amount” is sent to the user terminal 20 (2 4 4 4), and the virtual cashier terminal 12 and the user terminal 20 are sent. Release the sink state between (2 4 4 6). At this time, a screen shown in FIG. 24 (k) is displayed on the user terminal 20. Referring back to FIG. 16, the process after the matching of the purchase price and the available price will be described.
- the synchronization server 30 transmits total price information including the purchase price to the user terminal 20 (2466).
- the user terminal 20 Upon receiving the total amount information from the synchronization server 30, the user terminal 20 performs the final purchase confirmation process 248.
- the purchase final confirmation processing 248 will be described with reference to FIG.
- the user terminal 20 displays the screen shown in FIG. 24 (1), and displays the total purchase amount (246 2).
- the user confirms whether the total purchase amount is correct (2464), and if correct, selects the OK button on the screen and ends the final purchase confirmation process 248.
- the user selects the cancel button if the total purchase price is incorrect.
- the user terminal 20 displays a screen indicating that the settlement has been canceled as shown in FIG.
- the synchronizing server 30 transmits a cancel signal to the virtual cashier terminal 12 (2470).
- the virtual cashier terminal 12 cancels the settlement and ends (247 2).
- the synchronizing server 30 cancels the synchronization between the virtual cashier terminal 12 and the user terminal 20 and ends the process (2474).
- the user terminal 20 transmits a purchase final confirmation signal to the synchronizing server 30 (250).
- the sync server 30 accesses the user account database 70 and performs a settlement process for recording purchase information (252).
- the synchronization server 30 sends a notice of settlement completion to the virtual cashier terminal 12 (254), and sends a receipt to the user terminal 20 (258).
- the virtual cashier terminal 12 confirms the completion of the settlement and ends the synchronized settlement (256).
- the user terminal 20 displays the screen of FIG. 24 (n) indicating the completion of the settlement (152).
- the user can electronically order and pay for goods in mail-order sales such as magazines and catalogs. Before placing an order for mail-order sales, the user can confirm whether or not the user has connected to the desired mail-order sales site using the link information displayed on the mobile terminal. By specifying an authentication method, a mail order seller can authenticate a user with a password or the like, and then make a payment. (Third embodiment)
- An electronic payment system according to a third embodiment of the present invention will be described.
- the user can order and settle goods via mail-order through a network.
- the electronic payment system according to the present embodiment differs from the second embodiment in that voice authentication is used as a user authentication method.
- FIG. 25 is a configuration diagram of the electronic payment system according to the present embodiment.
- the electronic payment system according to the present embodiment includes a cashier server 14, a virtual cashier terminal 12 as an example of a billing terminal, a user terminal 20 as an example of a payment terminal, and a synchronization server 3 as an example of a payment device.
- a carrier server 40 a cashier database 50 as an example of a billing terminal database
- a user database 60 as an example of a payment terminal database
- a user account database 70 a voice authentication center 42
- a user voice database 44 a user voice database 44.
- the voice authentication center 42 connects to the carrier server 40, and when the user terminal 20 makes a call by wireless telephone communication, voice-authenticates the user by the voice of the user of the user terminal 20.
- the voice authentication center 42 has a user voice database 44, and can match the voice of the user of the user terminal 20 with the voice of the user registered in the user voice database 44 in advance.
- the user voice database 44 stores voice information registered by the user of the user terminal 20 in advance.
- the user's voice information is, for example, voice of the user uttering a specific registered word.
- the voice authentication center 42 connects to the cash register database 50 and the user database 60 to check the registration status and usage status of the user. In addition, it is possible to search the cash register server registered in the cash register database 50 from the cash register number transmitted by the user and confirm the registration of the cash register server.
- FIG. 26 is a flowchart of the settlement processing of the electronic settlement system according to the present embodiment.
- FIGS. 27 to 29 are flowcharts showing details of the processing in FIG. 26.
- the difference between this embodiment and the second embodiment is that, when the user terminal 20 selects the synchronized payment menu and starts the payment, the voice authentication center 42 via the carrier server 40 First, voice authentication is performed.
- Other processes are the same as those in the second embodiment, and thus, processes different from those in the second embodiment will be described.
- the user selects the electronic payment menu from the user terminal 20 and starts electronic payment (300).
- the user terminal 20 displays a screen for inputting an “order telephone number”. Enter the “order telephone number” described in a mail order advertisement or catalog (302) and make a call ( 304).
- the "order telephone number” is the telephone number of the voice authentication center 142, and the user terminal 20 is connected to the voice authentication center 42 by telephone. Transmission of information from the user terminal 20 to the voice authentication center 42 is performed by voice or input of a touch phone, and transmission of information from the voice authentication center 42 to the user terminal 20 is instructed by voice. This is done with voice guidance providing information.
- the voice authentication center 42 Upon receiving the telephone call from the user terminal 20, the voice authentication center 42 inquires the user information (306). With reference to FIG. 27, the process of the user information inquiry 303 will be described.
- the voice authentication center 42 detects the user terminal number of the user terminal 20 when receiving the telephone call from the user terminal 20 (3060).
- An example of the user terminal number of the user terminal 20 is a calling telephone number. If the user terminal 20 is set for calling number notification, the calling party's calling phone number can be detected from the calling party. If the user terminal 20 has set the number not to be notified, it is not possible to detect the caller's calling telephone number from the destination. In that case, in order to urge the user of the user terminal 20 to change the setting, The voice guidance is sent from the voice authentication center 42 to the user terminal 20.
- the voice authentication center 42 accesses the user database 60 (3 0 6 2 ) Based on the user terminal number, it is checked whether or not the user terminal 20 is registered as a user (3064). If the user is not registered, a voice guidance is sent to the user terminal 20 indicating that the user terminal 20 is not registered in the database (30666), and the connection with the user terminal 20 is established. Disconnect (3068) and end.
- the user information is extracted from the user database 60 (3070).
- the user information contains information on the usage status of the user, and based on the information, checks whether there is any problem with the usage status of the user's credit card or bank card (3072). If there is a problem with the user's usage, a voice guidance is sent to the user terminal 20 notifying that the terminal cannot be used (3074), and the connection with the user terminal 20 is disconnected (30076). ) , finish. If there is no problem in the user's usage status, the process of the user information inquiry 306 ends, and the process proceeds to the next process.
- the voice authentication center 42 performs the process of voice authentication 308 after the process of the user information inquiry 306.
- the process of voice authentication 308 will be described with reference to FIG.
- the voice authentication center 42 accesses the user voice database 44 (3800), and from the user voice database 44 based on the user terminal number of the previously detected user terminal 20, the user voice database 44 is used.
- the voice information of the user is extracted (3082).
- the user's voice information is voice data when the user utters a specific registered word.
- the number n for requesting the user to utter the registration word is initialized to 0 (3084).
- the number n of registration word requests is incremented by one (3086), and voice guidance requesting the user terminal 20 to speak a registration word is transmitted (30888).
- This voice guidance is, for example, a voice message that says, "Please say the registration word after the dial tone. When you are finished, press #.”
- the user terminal 20 receives the voice guidance, the user utters the registration word, and the user's voice is input (3090).
- the voice of the uttered user is transmitted to the voice authentication center 42 (3092).
- the voice authentication center 42 receives the voice of the registered word transmitted from the user terminal 20. Is compared with the voice of the user's registration code extracted from the user voice database 44 (3094).
- the process of the voice authentication 308 ends.
- n the number of registered word requests n exceeds 2 (3096). If n does not exceed 2, Return to the processing 3 08 6 and repeat the request for the registration word. If n exceeds 2, it is determined that voice authentication cannot be performed (3098), voice guidance indicating that voice authentication could not be performed is transmitted to the user terminal 20 (3100), and the process ends.
- the voice authentication center 42 sends voice guidance to the user terminal 20 to prompt the user to input the cashier number (310).
- the voice guidance is, for example, a voice message such as "You have been authenticated. Please dial your cashier number.”
- the user dials and inputs a cashier number from the user terminal 20 (3 1 2).
- the cash register number is a number for identifying the cash register server 14 that performs mail order.
- the entered cashier number is transmitted to the voice authentication center 42 (3 1 4).
- the voice authentication center 42 queries the cash register information based on the cash register number received from the user terminal 20 (3 15).
- the processing of the cashier information inquiry 3 15 will be described with reference to FIG.
- the sync server 30 accesses the cash register database 50 (3182), and checks whether the cash register server corresponding to the cash register number is registered (3184). If the cashier server 14 is not registered, the voice guidance is sent to the user terminal 20 to notify that the cashier server is not found (3186). The user terminal hears a sound saying "No cashier corresponding to the input cashier number is found" and returns to the process of cashier number input 312.
- a situation in which the cashier server 14 corresponding to the cashier number is not registered may occur when the user inputs a cashier number by mistake, or when a user inputs a cashier number of a mail order whose expiration date has passed.
- the cash register server corresponding to the cash register number has been registered, the cash register information is extracted (3184).
- the cash register information a seller name, an authentication method, an access number of the cash register server 14 and the like are registered.
- the synchronization server 30 extracts the access number of the cashier server 14 from the cashier information.
- the access number is, for example, a telephone number to which the cashier server 14 is connected.
- the synchronizing server 30 sends voice guidance for confirming the cashier information to the user terminal 2 ⁇ . For the user terminal 20, for example, the cash register in the July issue of the mail order catalog was selected. If you like, please hang up and wait for the message. If it is not the desired cash register, enter the cashier number again A voice message is played.
- the voice authentication center 42 After processing the cashier information inquiry 3 15, the voice authentication center 42 sends an order processing instruction to the sync server 30 and distributes the cashier number. Voice authentication center 42 sends voice guidance “Please hang up the phone and wait for message” to user terminal 20, and the telephone connection between voice authentication center 42 and user terminal 20 is disconnected.
- the sync server 30 receives the order processing command from the voice authentication center 42 and receives the cash register number.
- the synchronization server 30 accesses the cashier server 14 corresponding to the cashier number (320).
- the cashier server 14 activates the virtual cashier terminal 12 (3 2 2).
- the virtual cashier terminal 12 is a device or a process serving as a cashier terminal, and may be a terminal device provided in the cashier server or a program started in the cashier server.
- the virtual storage terminal 12 is connected to the synchronization server 30 (3 2 3).
- the synchronization server 30 When the synchronization server 30 is connected to the virtual cashier terminal 12, it creates “link information” that specifies a transaction with the virtual cashier terminal 12 (32 4).
- the link information of the present embodiment is an example of a transaction identification number, and specifies a transaction between the user terminal 20 and the virtual cashier terminal 12.
- the synchronization server 30 synchronizes the communication between the user terminal 20 and the virtual cashier terminal 12 based on the link information, and performs a payment process.
- the link information includes, in addition to the transaction identification number, cashier identification information for identifying the cashier server 14, for example, the name of a mail order seller, a welcome message, and the like.
- the synchronization server 30 distributes the link information to the user terminal 20 (326).
- the user terminal 20 Upon receiving the link information from the synchronization server 30, the user terminal 20 displays a welcome message similar to the screen shown in FIG. 24 (f) of the second embodiment on the screen. The user can check this screen to see if he or she wants to connect to a mail-order site (322). When the user selects the link button on the screen, the user terminal 20 sends a link information confirmation signal to the sync server 30 (330).
- the link information confirmation signal includes cashier terminal identification information for identifying the virtual cashier terminal 12 included in the link information.
- the electronic payment can be canceled.
- This cancellation process is performed when an unintended mail-order site is displayed on the screen, for example, because the user has entered an incorrect cashier number.
- the synchronization server 30 Upon receiving the link information confirmation signal from the user terminal 20, the synchronization server 30 establishes synchronization (332).
- the settlement processing after the establishment of the synchro (3332) is the same as that of the second embodiment, and the description is omitted.
- the electronic payment system of the present embodiment since the user is authenticated by voice and then the electronic payment is performed, high authentication accuracy can be secured.
- An electronic payment system according to a fourth embodiment of the present invention will be described.
- the user can order and settle goods via mail-order through a network.
- the electronic payment system of the present embodiment differs from the second embodiment in that image authentication is used as a user authentication method.
- FIG. 30 is a configuration diagram of the electronic payment system according to the present embodiment.
- the electronic payment system according to the present embodiment includes a cashier server 14, a virtual cashier terminal 12 as an example of a billing terminal, a user terminal 20 as an example of a payment terminal, and a synchronization server 3 as an example of a payment device.
- carrier server 40, and billing terminal database It has a cash register database 50 as an example, a user database 60 as an example of a payment terminal database, a user account database 70, an image authentication center 46, and a user image database 48.
- the image authentication center 46 authenticates the user based on the image transmitted by the user terminal 20.
- the image authentication center 46 has a user image database 48, and can match an image transmitted by the user terminal 20 with a user image registered in the user image database 48 in advance.
- image data of a photograph of the user's face, image data of the iris or retina of the user's eye, or image data of the user's fingerprint is used.
- the user registers these image data in advance in the user image database 48 as authentication data.
- FIG. 31 is a schematic diagram of a portable terminal having a communication function, which is an example of the user terminal 20 of the present embodiment.
- the mobile terminal 90 can perform wireless communication by connecting the mobile phone 92.
- a CCD camera 94 can be connected to capture images of the user's face.
- a fingerprint image of the user can be captured.
- the mobile terminal 90 has a wireless communication function equivalent to the mobile phone 92, an imaging function equivalent to the CCD camera 94, and a fingerprint detection function equivalent to the fingerprint detection pad 96 inside the mobile terminal 90. You may.
- FIG. 32 is a flowchart of a payment process of the electronic payment system according to the present embodiment.
- the processing and communication denoted by the same reference numerals as those in FIG. 16 are the same as those in the second embodiment, and therefore description thereof will be omitted, and user image information authentication different from the second embodiment 2 Will be described.
- FIG. 33 is a flowchart showing details of the processing of user image information authentication 211.
- the synchronization server 30 authenticates the user terminal based on the authentication method determined in the cashier terminal information inquiry 206.
- the authentication method is any of authentication using image information that can recognize the user as an individual, such as authentication using a face image, authentication using an image of the iris or retina of the eye, or authentication using a fingerprint image. .
- Shin The cross server 30 accesses the user image database 48 to perform authentication based on image information (2700), obtains user image information necessary for authentication, and creates authentication data (2702). .
- the synchronization server 30 initializes a variable n for storing the number of requests for image information to 0 (2704).
- the sync server 30 increments n by 1 (2706), and transmits an image information request message to the user terminal 20 (2708).
- the user terminal 20 displays a screen for instructing the user terminal 20 to input image information, for example, an image of a face, an image of an iris or retina of an eye, an image of a fingerprint, and the like. Alternatively, image information is input to the user terminal 20 using the fingerprint detection pad 96 or the like (2710).
- the user terminal 20 transmits the image information input by the user to the synchronizing server 30 (2712).
- the synchronization server 30 receives the image information transmitted by the user terminal 20, and compares the image information with the image information acquired from the user image database 48 (2714).
- the image information transmitted by the user terminal 20 does not match the image information obtained from the user image database 48, it is checked whether the number of image information requests n is greater than 2 (2 7 16). Return to the processing of 2 706 and repeat the request for image information. If the image information request count n is larger than 2, the authentication processing is terminated (2718), and an authentication failure message is transmitted to the user terminal 20 (2720). The user terminal 20 displays a screen notifying that the service cannot be used because the authentication could not be performed (2724).
- the sync server 30 confirms that the image information transmitted by the user is correct in the image information collation 2 7 14, the user image information authentication 2 11 ends the process.
- the user can be authenticated by transmitting information for identifying the user as an individual, such as a face, an iris or retina of the eye, or a fingerprint, as image data. Secure electronic payments can be made. Also, unlike voice authentication, image authentication does not require a mobile phone to be connected to a voice carrier, so authentication is performed using the mobile phone's data packet communication function. Certificates to settlement can be performed continuously.
- An electronic payment system according to a fifth embodiment of the present invention will be described.
- the electronic payment system when a user purchases a product from a vending machine, payment for the product can be made via a network.
- FIG. 34 is a configuration diagram of the electronic payment system according to the present embodiment.
- the electronic payment system according to the present embodiment includes a vending machine 16 as an example of a billing terminal, a user terminal 20 as an example of a payment terminal, a sink server 30 as an example of a payment device, and a carrier server 4.
- a register database 50 as an example of a billing terminal database
- a user database 60 as an example of a payment terminal database
- a user account database 70 a user account database.
- the vending machine 16 can be connected to the synchronizing server 30 via a communication line.
- a communication method from the vending machine 16 to the synchronization server 30 any communication means of a telephone line communication, a dedicated line communication, and a wireless telephone communication may be used.
- FIG. 35 is a schematic diagram of the vending machine 16.
- the vending machine 16 has a button 900 for selecting a product, an electronic settlement operation unit 902, a coin insertion unit 904 for depositing coins, and a product outlet 906.
- the electronic payment operation unit 902 includes a display unit 908 for displaying the process of electronic payment, a start button 910 for instructing the start of electronic payment, and a cancel button 911 for instructing cancellation of the electronic payment. And 2.
- FIG. 36 is a flowchart of the settlement processing of the electronic settlement system according to the present embodiment.
- FIG. 37 is a screen example of the display unit 802 of the user terminal 20.
- the settlement process will be described with reference to FIG.
- the user can use the user terminal 20 Select the electronic payment menu (410) and press the start button 910 of the vending machine 16 to start electronic payment (400).
- the vending machine 16 accesses the sync server 30 (402).
- the vending machine 16 transmits a unique cash register number to the vending machine 16.
- Synchronization server 30 starts connection with vending machine 16 in response to access from vending machine 16 and queries cashier terminal information based on cashier registration number sent from vending machine 16 Yes (404).
- the processing from the cashier terminal information inquiry 404 to the user information inquiry 428 is the same as the processing from the cashier terminal information inquiry 104 to the user information inquiry 128 of the first embodiment shown in FIG. Therefore, the description is omitted.
- the synchro lamp When the synchro lamp is turned on, the vending machine 16 has a synchro lamp, and the synchro lamp may be turned on. Alternatively, the display section 908 may be notified by text or the like that the synchro state is in effect. Good.
- the synchronizing server 30 After processing the user information inquiry 428, the synchronizing server 30 sends a sales command to the vending machine 16 (430).
- the vending machine 16 receives the sales command from the synchronizing server 30, the user is allowed to select a product sold by the vending machine (433).
- the vending machine 16 transmits purchase price information to the synchronizing server 30 (4 3 4).
- the synchronization server 30 Upon completion of the payment processing 4 44, the synchronization server 30 notifies the vending machine 16 of a payment completion notification (4 4 6). The vending machine 16 discharges the product selected by the user (444). The sync server 30 sends a receipt indicating the receipt of the price of the product to the user terminal 20 (45 2). The user terminal 20 displays the receipt (455).
- the exchange of data between the vending machine 16 and the synchronizing server 30 is all performed via the communication line 18.
- the exchange of data between the user terminal 20 and the synchronizing server 30 is performed as follows. Via wireless communication transmission line 28 and communication line 38 Done. No data is exchanged between the vending machine 16 and the user terminal 20.
- the notification of the cashier number from the vending machine 16 to the user terminal 20 (4 10) is performed by the vending machine 16 displaying the cashier number on the display unit.
- the vending machine 16 has an infrared communication unit as an example of the short-range communication unit, and processes the notification (4 10) of the cashier number from the vending machine 16 to the user terminal 20.
- the cash register number may be transmitted from the infrared communication unit of the vending machine 16 to the infrared communication unit 808 of the user terminal 20 by infrared communication. This saves the user from having to input the cashier number to the user terminal 20 and prevents the user from mistakenly inputting the cashier number.
- the vending machine 16 and the user terminal 20 each have a wireless communication unit as an example of a short-range communication unit, and a B 1 uetooth system.
- the cashier number may be transmitted and received using wireless communication for mobile devices such as
- the electronic payment system of this embodiment differs from the first, second, third, and fourth embodiments in that the user's visual authentication, password authentication, voice authentication, eye iris or retina authentication, and fingerprint authentication are used. Do not do the same. This is because the transaction of goods by the vending machine 16 is less necessary for user authentication because the price of the goods is small. If the user terminal 20 is a mobile phone, the uniqueness of the mobile phone calling number allows the user to be identified from the mobile phone calling number as long as the mobile phone owner himself uses the mobile phone. However, in the case of micropayments, omitting the user authentication process does not pose a major problem. As described above, in the electronic settlement system of the present invention, the authentication method can be selected according to the size of the settlement amount, the difference in the sales form, and the like.
- FIG. 38 is a configuration diagram of the electronic payment system according to the present embodiment.
- the electronic payment system according to the present embodiment includes a cashier server 14, a virtual cashier terminal 12 as an example of a billing terminal, a user terminal 20 as an example of a payment terminal, and a synchronization server 3 as an example of a payment device.
- the shopping server 24 is an online shopping server published on the Internet 26.
- the user computer 22 is a computer of a user connected to the Internet 26 and can access the shopping server 24 to perform online shopping.
- FIG. 39 is a flowchart of the settlement processing of the electronic settlement system according to the present embodiment.
- FIGS. 40 to 43 are flowcharts showing details of the processing in FIG.
- FIG. 44 is an example of a display screen of the user computer 22.
- the user connects to the Internet 26 using the user computer 22, accesses the shopping server 24 connected to the Internet 26, and performs online shopping.
- online shopping the user selects products while viewing the shopping web page on the shopping server 24.
- the user computer 2 second display screen 4 such as 4 (a)
- the W eb page shows the content and the total amount of purchased merchandise is displayed
- the user synchro By selecting the button for instructing the settlement, the synchronized settlement is started (500).
- the user computer 22 accesses the cash register server 14, and the purchase price information including the total purchase price is transmitted to the cash register server 14 (502).
- the cashier server 14 activates the virtual cashier terminal (504).
- the virtual cashier terminal 12 is a device or a process serving as a cashier terminal, and may be a terminal device provided in the cashier server, or may be a program activated in the cashier server. .
- the virtual cashier terminal 12 connects to the synchro server 30, sets a cashier number as an example of a transaction identification number for identifying the transaction, and transmits it to the synchro server 30 (506).
- the sink port server 30 starts the connection with the virtual cashier terminal 12 in response to the access from the virtual cashier terminal 12, and inquires the cashier information based on the cashier registration number transmitted from the virtual cashier terminal 10. Yes (5 08).
- FIG. 40 shows the processing of the cashier information inquiry 508.
- the processing of the cashier information inquiry 508 is the same as the processing of the cashier information inquiry 206 of the second embodiment shown in FIG.
- the cashier server 14 creates link information (5 10) and distributes the link information to the user computer 22 (5 12).
- the screen shown in FIG. 44 (b) is displayed on the screen of the user computer 22 by the cooperative processing with the registration server 14.
- CGI Common Gat e Int e r f a c e
- the screen shown in Fig. 4 (b) has a "Shopping Details & Description” button and a “Synchro Regi” button.
- the “link information” button is accompanied by “link information” to the virtual cashier terminal 12 in the cashier server 14. Therefore, when the user presses the “Synch cash register” button, the user computer 22 can connect to a specific virtual cash register terminal 12 in the cash register server 14 (
- the user computer 22 When the user presses the “synch register” button, the user computer 22 connects to the virtual cashier terminal 12 and sends a link information confirmation signal to the virtual cashier terminal 12 (5 16). When receiving the link information confirmation signal from the user computer 22, the virtual cashier terminal 12 transmits the previously set cashier number to the user computer 22. Yes (5 1 8). When the user computer 22 receives the cashier number from the virtual cashier terminal 12, the cashier browser window is started as shown in FIG. 44 (c), and the virtual cashier terminal is drawn in the cashier browser window. An instruction to enter the cashier number is displayed (520).
- the user computer 22 can notify the user of the cashier number by displaying the cashier number in the cashier browser window (522).
- the user enters the cashier number displayed in the cashier browser window of the user computer 22 into the user terminal 20 (524).
- the user terminal 20 transmits the cashier number input by the user to the sync server 30 (5 26).
- the sync server 30 checks the cash register number received from the virtual cashier terminal 12 in the processing 506 and the cash register number received from the user terminal 20 in the processing 506, and if the cash register numbers match. , Communication with virtual cashier terminals 1 and 2 and user terminals
- FIG. 41 shows the processing of the cash register number check 5 28.
- the cashier number collation 5 28 is the same as the cashier number collation 1 16 of the first embodiment shown in FIG. 7, and a description thereof will be omitted.
- the sync server 30 delivers a sync signal to the virtual cash register terminal 12 (530).
- the virtual cashier terminal 12 transmits the sink port signal to the user computer 22 (532).
- the user computer 22 turns on the synchro lamp of the virtual cashier terminal drawn in the cashier browser window (534). As a result, the user can confirm that synchronization with the virtual storage terminal 12 has been achieved.
- Synchronization server 30 checks the cashier number.
- the processing of the user information inquiry 5 36 shown in FIG. 42 is the same as the processing of the user information inquiry 128 of the first embodiment shown in FIG.
- the process of password authentication 538 shown in FIG. 43 is the same as the process of password authentication 210 of the first embodiment shown in FIG. 9 except that it does not have visual authentication. Description is omitted.
- the sync server 30 checks the purchase amount and the available amount 5 4 0, performs the payment processing 5 4 8 processing, and the user terminal 20 performs the final purchase confirmation 5 4 4 Perform processing. Since these processes are the same as those in the first embodiment, description thereof will be omitted.
- the synchronization server 30 transmits a payment completion notification to the virtual cashier terminal 12 (550), and transmits a receipt to the user terminal 20.
- the virtual cashier terminal 12 receives the payment completion notification from the synchronizing server 30, the payment terminal 12 sends a payment completion notification to the user combi- ter 22 (5552).
- the user computer 22 displays on the display screen that the payment has been completed. Thereby, the user can know that the settlement of the transaction with the virtual cashier terminal 12 is completed.
- a user accesses an online shopping server on the Internet with a computer, selects a product to be purchased, and uses a user terminal such as a mobile phone to collect the price of the product. Payment can be made.
- the synchronizing server 30 as an example of a settlement device may be realized by a general-purpose computer.
- Figure 45 shows the hardware configuration of a general-purpose computer 600 It is a block diagram.
- the CPU 602 operates based on the programs stored in the ROM 604 and the RAM 606.
- the input device 608 allows the administrator of the sink port server 30 to input a data @ command.
- the hard disk drive 610 as an example of the storage device stores the setting information and the program on which the CPU 602 operates.
- the floppy disk drive 614 reads data or a program from the floppy disk 624 and provides it to the CPU 602.
- the CD-ROM drive 616 reads data or a program from the CD-ROM 626 and provides it to the CPU 602.
- the first communication interface 6 18 connects to the communication line 18 to transmit and receive data.
- the second communication interface 62 0 connects to the communication line 38 to transmit and receive data.
- the database interface 6 12 connects to various databases 622 to transmit and receive data in the databases.
- the sink server 30 is provided with an interface for connecting to the display 628, and the administrator can monitor the operation status of the sync server 30 and check the setting information by the display 628.
- FIG. 46 is a block diagram showing a functional configuration of software executed by CPU 602 shown in FIG.
- These softwares are stored in a recording medium such as a floppy disk 624 or a CD-ROM 626 and provided to the user.
- the software stored on the recording medium may be compressed or uncompressed.
- the software is installed on the hard disk drive 610 from the recording medium, read out to the RAM 606, and executed by the CPU 602.
- the software stored and provided on the recording medium that is, the software installed on the hard disk drive 610, has a functional configuration of a payment processing module 642, a first communication module 644, and a second communication module 64. 6 and a database search module 648.
- the payment processing module 642, the first communication module 644, the second communication module 646, and the database search module 648 work on the computer 600 to cause the CPU 6002 to perform the first and second processing, respectively.
- 2nd, 3rd Functions and operations of the settlement processing unit 80, the first communication unit 82, the second communication unit 84, and the database search unit 86 in the synchronization server 30 of the fourth, fifth, and sixth embodiments Therefore, the description is omitted.
- a floppy disk 624 or a CD-ROM 626 as an example of a recording medium shown in FIG. 45 has a sync server 30 as an example of a settlement apparatus according to all the embodiments described in the present application. Some or all functions of the operation can be stored. Further, when a part of the operation of the cashier terminal 10 described in the above embodiment is executed by the synchronizing server 30 instead of the cashier terminal 10, one of the operations of the cashier terminal 10 described in the above embodiment is performed. The part can also be stored on a floppy disk 624 or a CD-ROM 626.
- programs may be read directly from the recording medium to the RAM and executed, or may be once installed in the hard disk drive and then read and executed by the RAM. Further, the program may be stored on a single recording medium or on a plurality of recording media. Also, it may be stored in an encoded form.
- Recording media include floppy disks, CD-ROMs, optical recording media such as DVDs, magnetic recording media such as MDs, magneto-optical recording media such as PDs, tape media, magnetic recording media, IC cards and miniatures.
- a semiconductor memory or the like can be used.
- a storage device such as a hard disk or a RAM provided in a server system connected to a dedicated communication network or the Internet may be used as a recording medium, and the program may be provided to the sync server 30 via a communication network. good.
- Such a recording medium is used only for manufacturing the synchronizing server 30, and the manufacture and sale of such a recording medium as a business constitute infringement of the patent right based on the present application. Is clear.
- the cashier at the retail store authenticates the user based on the face photograph data, and further inputs a password in the case of suspicion or expensive payment. Since the request can be made to the user, the accuracy of authentication can be improved according to the situation. Users can also use mobile phones and Payment can be performed simply and safely using a portable device such as a portable terminal having a wireless communication function.
- the user can electronically order and pay for goods in mail-order sales such as magazines and power tags.
- the user Before placing an order for mail-order sales, the user can confirm whether or not the user has connected to the desired mail-order sales site by using the link information displayed on the mobile terminal.
- the seller of the mail-order sales can authenticate the user with a password or the like, and then settle the payment.
- the electronic payment system of the third embodiment since the user is authenticated by voice and then the electronic payment is performed, high authentication accuracy can be secured.
- the electronic payment system by transmitting information identifying a user as an individual, such as a face, an iris or retina of the eye, or a fingerprint, as image data to the user, the identity of the user is determined. Authentication is possible and secure electronic payment can be performed. Also, in the case of image authentication, unlike voice authentication, there is no need to connect the mobile phone to the voice carrier, so that the data packet communication function of the mobile phone can be used to continuously perform authentication and settlement. .
- the settlement of the product purchase and the payment by the vending machine can be easily performed via the network.
- a user accesses an online shopping server on the Internet using a computer, selects a product to be purchased, and uses a user terminal such as a mobile phone to pay for the product. Payment can be done safely.
- the selection of the product to be purchased is made on the Internet, but the payment can be made securely using a mobile phone, etc., and the user does not have to worry about the personal information being known to the seller of the product. , Privacy is protected.
- the electronic payment system of the present invention has the following advantages for sellers of retail stores, mail-order sales, or online shopping on the Internet.
- Reliable user authentication can be performed based on the uniqueness of the outgoing telephone number of the mobile phone.
- the accuracy of authentication can be adjusted according to the payment amount and payment scene. And can be easily changed.
- user authentication may be omitted, and the user may be identified based on only the calling phone number of the mobile phone to make the payment.
- the sales representative In the case of expensive payments, such as purchasing goods at a jewelry store, the sales representative must authenticate the user with face photo data and, if in doubt, combine pass-and-pass authentication to ensure the accuracy of the authentication. Can be done.
- the electronic payment system of the present invention has the following advantages for the user.
- Carrying a portable communication terminal called a mobile phone makes it possible to pay for shopping electronically anytime and anywhere, eliminating the need to carry cash, credit cards, bank cards, and IC money cards.
- the user can use the data packet communication function of the mobile phone to check the account withdrawal status, available balance, shopping history, and the like.
- the electronic payment system of the present invention has the following advantages for a credit card company.
- An authentication method using a mobile phone can prevent unauthorized use of credit cards. Credit payment can be done electronically using a mobile phone, which eliminates the need to issue and manage credit cards, thereby reducing costs.
- the multi-authentication method even if an employee in charge of a credit card company or the like illegally takes out data, it is possible to prevent the user's settlement account from being illegally used.
Description
Claims
Priority Applications (14)
Application Number | Priority Date | Filing Date | Title |
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AU49337/99A AU4933799A (en) | 1999-08-02 | 1999-08-02 | Electronic settlement system, settlement device, and terminal |
PCT/JP1999/004178 WO2001009806A1 (fr) | 1999-08-02 | 1999-08-02 | Systeme de reglement electronique, dispositif et terminal de reglement |
US09/786,208 US7657490B1 (en) | 1999-08-02 | 1999-08-02 | Electronic settlement system, settlement device, and terminal |
JP2001514350A JP4393739B2 (ja) | 1999-08-02 | 1999-08-02 | 電子決済システム、決済装置及び端末 |
JP2001514351A JP4399137B2 (ja) | 1999-08-02 | 2000-03-29 | 電子決済システム、決済装置及び端末 |
AU34560/00A AU3456000A (en) | 1999-08-02 | 2000-03-29 | Electronic settlement system, and settlement device and terminal |
PCT/JP2000/002014 WO2001009807A1 (fr) | 1999-08-02 | 2000-03-29 | Systeme de reglement electronique, et dispositif et terminal de reglement |
AU34559/00A AU3455900A (en) | 1999-08-02 | 2000-03-29 | Electronic settlement system, and settlement device and terminal |
JP2001514352A JP4083428B2 (ja) | 1999-08-02 | 2000-03-29 | 電子決済システム、決済装置及び端末 |
PCT/JP2000/002015 WO2001009808A1 (fr) | 1999-08-02 | 2000-03-29 | Systeme, dispositif et terminal de reglement electronique |
US09/630,563 US7571117B1 (en) | 1999-08-02 | 2000-08-02 | Electronic authentication system, authentication apparatus, and terminal |
US11/043,050 US7448540B2 (en) | 1999-08-02 | 2005-01-27 | Electronic settlement system, settlement apparatus and terminal |
US11/344,131 US7457782B2 (en) | 1999-08-02 | 2006-02-01 | Electronic settlement system, settlement apparatus and terminal |
US11/672,701 US7865401B2 (en) | 1999-08-02 | 2007-02-08 | Electronic settlement system, settlement apparatus, and terminal |
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PCT/JP1999/004178 WO2001009806A1 (fr) | 1999-08-02 | 1999-08-02 | Systeme de reglement electronique, dispositif et terminal de reglement |
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US09/630,563 Continuation US7571117B1 (en) | 1999-08-02 | 2000-08-02 | Electronic authentication system, authentication apparatus, and terminal |
US11/043,050 Division US7448540B2 (en) | 1999-08-02 | 2005-01-27 | Electronic settlement system, settlement apparatus and terminal |
US11/344,131 Continuation US7457782B2 (en) | 1999-08-02 | 2006-02-01 | Electronic settlement system, settlement apparatus and terminal |
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PCT/JP2000/002015 WO2001009808A1 (fr) | 1999-08-02 | 2000-03-29 | Systeme, dispositif et terminal de reglement electronique |
PCT/JP2000/002014 WO2001009807A1 (fr) | 1999-08-02 | 2000-03-29 | Systeme de reglement electronique, et dispositif et terminal de reglement |
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PCT/JP2000/002015 WO2001009808A1 (fr) | 1999-08-02 | 2000-03-29 | Systeme, dispositif et terminal de reglement electronique |
PCT/JP2000/002014 WO2001009807A1 (fr) | 1999-08-02 | 2000-03-29 | Systeme de reglement electronique, et dispositif et terminal de reglement |
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US (5) | US7657490B1 (ja) |
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WO2001009808A1 (fr) | 2001-02-08 |
US7865401B2 (en) | 2011-01-04 |
US20060129504A1 (en) | 2006-06-15 |
JP4399137B2 (ja) | 2010-01-13 |
US7657490B1 (en) | 2010-02-02 |
US7571117B1 (en) | 2009-08-04 |
JP4083428B2 (ja) | 2008-04-30 |
US7448540B2 (en) | 2008-11-11 |
US20070130025A1 (en) | 2007-06-07 |
AU4933799A (en) | 2001-02-19 |
AU3456000A (en) | 2001-02-19 |
AU3455900A (en) | 2001-02-19 |
US7457782B2 (en) | 2008-11-25 |
US20050127167A1 (en) | 2005-06-16 |
JP4393739B2 (ja) | 2010-01-06 |
WO2001009807A1 (fr) | 2001-02-08 |
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