JP2014191674A - Server device, mobile terminal and settlement terminal - Google Patents

Abstract

It cannot be used in a settlement process performed inside a mobile object.
[Solution]
One or more authentication information which is a set of a card identifier and a mobile identifier is stored, one or more card related information having a first payment identifier and a card identifier for identifying payment, and a second payment identifier for identifying payment The server receiving unit that receives one or more mobile-related information, and the one or more card-related information, the one or more mobile-related information, and the one or more authentication information received by the server receiving unit are valid for payment. A server determination unit that determines whether or not there is a server determination unit, and a server processing unit that performs processing corresponding to authentication permission only when the server determination unit determines that the payment is valid. The related information is information transmitted by a payment terminal that has received a portable identifier from a portable terminal by short-range wireless communication, or information transmitted by a portable terminal that has received a payment identifier by short-range wireless communication. The device can be utilized in the settlement process performed within such mobile.
[Selection] Figure 1

Description

  The present invention relates to a payment system using a credit card or the like.

  Conventionally, there has been a card use legitimacy determination method for discriminating unauthorized use of a card using current position information of a wireless portable terminal device (see, for example, Patent Document 1). The card transaction system that realizes this determination method enables online card transactions by connecting a card transaction terminal device and a card authentication host via a network, and manages the current location information of the wireless portable terminal device. This is a card transaction system in which telecommunications company hosts are further connected via a network. And in this card transaction system, at the time of card transaction request, based on the data transmitted from the card transaction terminal device, the function of acquiring the card usage location information at that time, and the card information transmitted from the card transaction terminal device Based on the above, the function of identifying the wireless portable terminal device possessed by the authorized user of the card and acquiring the current location information of the wireless portable terminal device via the telecommunications company host, and the obtained card usage location And a function of determining the validity of the card use based on the information and the current position information of the wireless portable terminal device.

  There has also been a credit card authentication system using a mobile phone with a GPS function (see, for example, Patent Document 2). In this system, a user has a mobile phone with a GPS function and a credit card together for specifying the position of the user. In addition, a GPS receiver is installed in the POS terminal or ATM in order to specify the POS terminal or ATM of the bank or card loan company in each member store. When paying for goods or services, or when performing cashing, the user's location information is transmitted to the GPS service company via the carrier, and the POS terminal or ATM location information is sent to the payment agent service company. The information is transmitted to the GPS service company, and the GPS service company verifies the user's position with the POS terminal or ATM installation location, and authenticates the use of the credit card only when they match.

JP 2002-140646 A (first page, FIG. 1 etc.) Japanese Unexamined Patent Publication No. 2003-150883 (first page, FIG. 1 etc.)

  However, the prior art cannot be used in a settlement process performed inside a moving body such as a train or an airplane, or underground.

  That is, in the technology according to Patent Document 1, when the mobile terminal and the settlement terminal are present in a moving body that moves at high speed, such as a Shinkansen, for example, the timing when the current location information of the wireless mobile terminal device is acquired, and the card If there is a deviation from the timing of acquiring the usage location information, there is a problem that payment is not performed as a result of determining that the location of the wireless mobile terminal device is different from the card usage location information was there.

  Moreover, in the technique which concerns on patent document 2, in addition to the subject of the technique which concerns on patent document 1, there existed a subject that it cannot utilize in the place where GPS receivers, such as an underground, do not function.

  In view of the above problems, the present invention makes it possible to perform payment processing after ensuring that the relative position between the payment terminal and the mobile terminal held by the user is within a predetermined range. .

  A server device according to a first aspect of the present invention is a server device in a payment system including a mobile terminal held by a user who purchases a product, a payment terminal for payment for product purchase, and a server device, and a payment card One or more having an authentication information storage unit that can store one or more authentication information that is a set of a card identifier that identifies a mobile terminal and a mobile identifier that identifies a mobile terminal; a first settlement identifier that identifies settlement; and a card identifier A server receiving unit that receives the card related information and one or more mobile related information having one or more second payment identifiers for identifying payment, one or more card related information received by the server receiving unit, When the server determination unit determines whether the payment is valid using the mobile-related information and one or more authentication information in the authentication information storage unit, and the server determination unit determines that the payment is valid And a server processing unit that performs processing corresponding to the authentication permission, and the mobile-related information received by the server receiving unit is information transmitted by the mobile terminal that has received the second settlement identifier by short-range wireless communication, or server reception The mobile identifier received by the unit is a server device that is information transmitted by the payment terminal received from the mobile terminal by short-range wireless communication.

  With such a configuration, it can be used in a settlement process performed in a mobile body such as a train or an airplane, underground, or the like performed underground.

  In the server device of the second invention, in contrast to the first invention, the authentication information also includes one or more payment set information that is a set of the first payment identifier and the second payment identifier, The terminal transmits a mobile receiver that receives one or more second settlement identifiers by short-range wireless communication, and mobile transmission that transmits mobile related information including the one or more second settlement identifiers received by the mobile receiver to the server device. A payment storage unit that can store a first payment identifier, a first payment acquisition unit that acquires a card identifier from a payment card, and a first payment identifier that acquires a first payment identifier from the payment storage unit. A second payment acquisition unit; a first payment transmission unit that transmits to the server device card-related information having the card identifier acquired by the first payment acquisition unit and the first payment identifier acquired by the second payment acquisition unit. The server determination unit receives the server determination unit. A set of a first payment identifier corresponding to a card identifier included in the one or more card-related information and one second payment identifier of one or more second payment identifiers included in the mobile-related information received by the server reception unit. This is a server device in a payment system that determines that payment is valid when the payment set information exists in the authentication information storage unit.

  With such a configuration, it can also be used in a settlement process performed inside a mobile body such as a train or an airplane, or underground.

  In the server device of the third aspect of the invention, in contrast to the first aspect of the invention, the mobile related information includes a second settlement identifier and a mobile identifier, and the card related information includes the first settlement identifier and the mobile related information. The second payment identifier that is included is a payment identifier that is the same type of information that identifies payment, and is the same among one or more card-related information and one or more mobile-related information received by the server receiver. A server acquisition unit that acquires a pair of a card identifier and a mobile identifier that is paired with a payment identifier is further provided, and the server determination unit is configured to verify that authentication information that matches the set of the card identifier and the mobile identifier acquired by the server acquisition unit It is a server device that determines whether or not it exists in the information storage unit.

  With such a configuration, it can also be used in a settlement process performed inside a mobile body such as a train or an airplane, or underground.

  According to the fourth aspect of the present invention, in contrast to the third aspect of the invention, the portable terminal has a portable storage unit that can store a portable identifier, and a portable terminal that receives the payment identifier from the payment terminal by short-range wireless communication. A receiving unit; a mobile transmitting unit that transmits mobile-related information having a mobile identifier of the mobile storage unit and a payment identifier received by the mobile receiving unit to the server device; and the payment terminal receives the card identifier from the payment card. Card-related information having a first payment acquisition unit to acquire, a second payment acquisition unit to acquire a payment identifier, a card identifier acquired by the first payment acquisition unit, and a payment identifier acquired by the second payment acquisition unit Server apparatus in a payment system comprising: a first payment transmission unit that transmits to a server device; and a second payment transmission unit that transmits a payment identifier acquired by a second payment acquisition unit to a mobile terminal by short-range wireless communication A.

  With such a configuration, it can also be used in a settlement process performed inside a mobile body such as a train or an airplane, or underground.

  Further, in the server device of the fifth invention, in contrast to the fourth invention, the mobile reception unit receives two or more payment identifiers from two or more payment terminals by short-range wireless communication, and the mobile transmission unit The mobile-related information having the mobile identifier stored in the mobile storage unit and the two or more payment identifiers received by the mobile receiving unit is transmitted to the server device, and the server receiving unit has the payment identifier and the card identifier. The server acquisition unit receives one or more card-related information, one or more mobile-related information having two or more payment identifiers and a mobile identifier, and the server acquisition unit receives the one or more card-related information and one or more received by the server reception unit Mobile-related information of the mobile-related information including part of the same payment identifier as the payment identifier included in the card-related information, and the card identifier of the corresponding card-related information That is a server device.

  With such a configuration, it can also be used in a settlement process performed inside a mobile body such as a train or an airplane, or underground.

  According to the sixth aspect of the present invention, in the server device according to the third aspect of the present invention, the portable terminal uses a portable storage unit that can store a portable identifier and a short-distance wireless communication to set the portable identifier of the portable storage unit as a settlement terminal. The payment terminal includes: a first payment acquisition unit that acquires a card identifier from a payment card; a second payment acquisition unit that acquires a payment identifier; Is received from the mobile terminal, one or more pieces of card-related information having the payment identifier acquired by the second payment acquisition unit and the card identifier acquired by the first payment acquisition unit, and acquired by the second payment acquisition unit This is a server device in a payment system including a payment transmitter that transmits one or more mobile-related information having the payment identifier and the mobile identifier received by the payment receiver to the server device.

  With such a configuration, it can also be used in a settlement process performed inside a mobile body such as a train or an airplane, or underground.

  Further, according to the server device of the seventh invention, in contrast to the third invention, the mobile terminal sets a payment identifier and a card identifier by short-range wireless communication, and a payment identifier and a card identifier. The mobile receiver receives from the terminal, the mobile-related information including the mobile identifier stored in the mobile storage unit and the payment identifier received by the mobile receiver, and the card identifier and mobile receiver received by the mobile receiver A portable transmission unit that transmits the card-related information having the settlement identifier to the server device, and the settlement terminal includes a first settlement acquisition unit that acquires the card identifier from the settlement card, and a second settlement that acquires the settlement identifier. A payment including an acquisition unit and a payment transmission unit that transmits the card identifier acquired by the first payment acquisition unit and the payment identifier acquired by the second payment acquisition unit to the mobile terminal by short-range wireless communication A server device in the system.

  With such a configuration, it can also be used in a settlement process performed inside a mobile body such as a train or an airplane, or underground.

  According to the eighth aspect of the present invention, in any one of the third to seventh aspects, the payment terminal generates a payment identifier in response to the first payment acquisition unit acquiring the card identifier. The server apparatus further includes a settlement identifier generation unit.

  With such a configuration, it can also be used in a settlement process performed inside a mobile body such as a train or an airplane, or underground.

  The settlement system according to the present invention can also be used in settlement processing performed inside a moving body such as a train or an airplane, or underground.

Conceptual diagram of settlement system A in the first embodiment Block diagram of payment system A Flow chart for explaining the operation of the server apparatus A1 Flow chart for explaining the operation of the portable terminal A2 Flow chart for explaining the operation of the settlement terminal A3 Figure showing the authentication information management table The figure which shows the same store terminal radio wave information management table Block diagram of settlement system 1 in the second embodiment A flowchart for explaining the operation of the server device 11 Flowchart explaining the group information acquisition process A flowchart for explaining the operation of the mobile terminal 12 A flowchart for explaining the operation of the settlement terminal 13 Block diagram of settlement system 2 in the third embodiment A flowchart for explaining the operation of the settlement terminal 23 Block diagram of settlement system 3 in the fourth embodiment A flowchart for explaining the operation of the settlement terminal 33 Overview of the computer system in the above embodiment Block diagram of the computer system

  Hereinafter, embodiments of a payment system and the like will be described with reference to the drawings. In addition, since the component which attached | subjected the same code | symbol in embodiment performs the same operation | movement, description may be abbreviate | omitted again.

(Embodiment 1)
In this embodiment, a payment system that performs payment using a mobile terminal and a payment terminal, and a payment system that reliably prevents fraud will be described.

  Further, the server device constituting the payment system according to the present embodiment manages the card identifier of the payment card in association with the mobile identifier, and uses such information to determine whether the payment is valid. Only when it is determined that the payment is valid, processing corresponding to the authentication permission is performed.

  FIG. 1 is a conceptual diagram of a payment system A in the present embodiment. The payment system A includes a server device A1, one or more portable terminals A2, and one or more payment terminals A3. The mobile terminal A2 is a terminal held by a user who purchases a product, and is a mobile phone, a so-called smartphone, a mobile tablet terminal, or the like. Here, the product may be considered to include a service. The payment terminal A3 is a terminal that performs payment for product purchase, and is, for example, a card reader for a payment card, a reader for a payment card (for example, an IC card), or the like. In addition, the terminal that performs settlement here may mean a terminal that triggers settlement, and does not have to be a terminal that completes the settlement process. The payment terminal A3 is normally a terminal of a store that sells products. A payment card is a card used for payment, and includes a credit card, an electronic money card, and the like, and is widely understood. The payment card may be a postpay card or a prepaid card. Further, here, the settlement may be considered as a commercial transaction.

  FIG. 2 is a block diagram of settlement system A in the present embodiment. The server device A1 includes an authentication information storage unit A11, a server reception unit A12, a server transmission unit A13, a server determination unit A14, and a server processing unit 115. The portable terminal A2 includes a portable storage unit 121, a portable reception unit A22, and a portable transmission unit A23. Furthermore, the payment terminal A3 includes a payment storage unit A31, a first payment acquisition unit 131, a second payment acquisition unit A33, and a first payment transmission unit A34.

  The authentication information storage unit A11 constituting the server device A1 can store one or more authentication information. The authentication information here includes a set of a card identifier for identifying the payment card and a portable identifier for identifying the portable terminal A2. The card identifier may be any information that can identify a payment card, such as a card number. The mobile identifier may be any information that can identify the mobile terminal 12 such as a telephone number, an IP address, or a MAC address. The authentication information is usually information received from a terminal used by the user when the user is registered. The authentication information may also include one or more payment set information that is a set of the first payment identifier and the second payment identifier. The first settlement identifier is information for identifying information related to settlement, for example, information for identifying a settlement place, information for identifying a settlement terminal A3, or information for identifying a settlement itself. Here, the first settlement identifier is, for example, a settlement terminal identifier for identifying the settlement terminal A3 or a store identifier for identifying the store. The second settlement identifier is information for identifying information related to settlement, for example, information for identifying a settlement location, information for identifying a terminal used for settlement, or information for identifying the settlement itself. Here, the second settlement identifier is, for example, an SSID or a MAC address. In general, the SSID or the MAC address is information that can be acquired from radio waves around the settlement terminal A3.

  The server reception unit A12 receives one or more card related information and one or more mobile related information. The card-related information here has a first payment identifier for identifying payment and a card identifier. In addition, the mobile-related information has one or more second settlement identifiers. Note that the mobile-related information may include a mobile identifier that identifies the mobile terminal A2 and one or more second settlement identifiers. The server reception unit A12 normally receives card-related information from the payment terminal A3 and receives mobile-related information from the mobile terminal A2.

  The server determination unit A14 uses the one or more card related information received by the server receiving unit A12, the one or more mobile related information, and the one or more authentication information of the authentication information storage unit A11 to determine whether the payment is valid. Determine whether.

  More specifically, the server determination unit A14 receives the second settlement identifier received from the mobile terminal A2 identified by the mobile identifier paired with the card identifier included in the card-related information received by the server reception unit A12, and the server reception. It is determined whether or not the payment set information that matches the set with the first payment identifier included in the card related information received by the part A12 is stored in the authentication information storage unit A11. If the matched payment group information is stored in the authentication information storage unit A11, it is determined that the payment is valid. On the other hand, if the matching payment group information is not stored in the authentication information storage unit A11, it is determined that the payment is invalid.

  That is, the server reception unit A12 receives one or more second settlement identifiers from the mobile terminal A2 identified by the mobile identifier paired with the card identifier included in the card-related information received earlier. The second settlement identifier here is an SSID or a MAC address acquired by the mobile terminal A2 from radio waves around the mobile terminal A2. The server reception unit A12 receives card-related information having the first payment identifier from the payment terminal A3. Here, the first settlement identifier is a settlement terminal identifier.

  The server processing unit 115 performs processing corresponding to authentication permission only when the server determination unit A14 determines that the payment is valid. In addition, when the server determination unit 114 determines that the payment is invalid, the server processing unit 115 or the server transmission unit A1 normally transmits an error message to the mobile terminal A2 and / or the payment terminal A3. The process corresponding to the authentication permission may be a process of transmitting information indicating authentication permission, a payment process, or the like. The payment process may be any process related to payment, and is a well-known technique, and thus detailed description thereof is omitted.

  Server transmission part A13 may transmit the instruction | indication which transmits portable relevant information to portable terminal A2. The server transmission unit A13 normally transmits a transmission instruction of portable related information to the portable terminal A2 triggered by the server receiving unit A12 receiving the card related information from the settlement terminal A3. That is, when server receiving part A12 receives card related information from settlement terminal A3, server transmitting part A13 acquires a card identifier which card related information has. Next, the server transmission unit A13 acquires a portable identifier that is paired with the acquired card identifier from the authentication information storage unit A11. And server transmission part A13 transmits the transmission instruction | indication of portable relevant information to portable terminal A2 identified with the acquired portable identifier.

  The mobile storage unit 121 configuring the mobile terminal A2 can store a mobile identifier.

  The mobile receiver A22 receives one or more second settlement identifiers by short-range wireless communication. Here, the mobile receiver A22 acquires one or more second settlement identifiers from radio waves of short-range wireless communication. The second settlement identifier here is, for example, an SSID or a MAC address that can be acquired from radio waves around the mobile terminal A2 and the settlement terminal A3. Further, the mobile receiver A22 may receive a mobile-related information transmission instruction from the server device A1. A second settlement identifier such as an SSID may be generated. Such generation may be performed by a generation unit (not shown) or may be performed by the mobile reception unit A22. Further, the second settlement identifier such as SSID may be determined in advance. In that case, it is preferable that the second settlement identifier such as the SSID is periodically updated.

  The portable transmitter A23 transmits portable related information having one or more second settlement identifiers received by the portable receiver A22 to the server device A1. The mobile transmitter A23 normally transmits mobile-related information in response to a transmission instruction from the server device A1.

  The payment storage unit A31 constituting the payment terminal A3 can store the first payment identifier. The first payment identifier is, for example, a payment terminal identifier or a store identifier. It is assumed that the settlement terminal identifier has the same meaning as the store terminal identifier.

  The first payment acquisition unit 131 acquires a card identifier from the payment card. The first payment acquisition unit 131 can be realized by a card reader, a receiving means, or the like. Here, the acquisition of the card identifier usually means reading the card identifier from the payment card.

  The second payment acquisition unit A33 acquires the first payment identifier from the payment storage unit A31. Here, “acquisition” refers to reading the first settlement identifier stored in the settlement storage unit A31.

  The first payment transmission unit A34 transmits card related information including the card identifier acquired by the first payment acquisition unit 131 and the first payment identifier acquired by the second payment acquisition unit A33 to the server device A1.

  The authentication information storage unit A11, the portable storage unit 121, and the payment storage unit A31 are preferably non-volatile recording media, but can also be realized by volatile recording media. The process in which authentication information etc. are memorize | stored in authentication information storage part A11 grade | etc., Is not ask | required. For example, authentication information or the like may be stored in the authentication information storage unit A11 or the like via a recording medium, and authentication information or the like transmitted via a communication line or the like is stored in the authentication information storage unit A11 or the like. Alternatively, authentication information or the like input via the input device may be stored in the authentication information storage unit A11 or the like.

  The server reception unit A12 is usually realized by a wireless or wired communication means, but may be realized by a means for receiving a broadcast.

  The server determination unit A14, the server processing unit 115, and the second settlement acquisition unit A33 can be usually realized by an MPU, a memory, or the like. The processing procedure of the server determination unit A14 and the like is usually realized by software, and the software is recorded on a recording medium such as a ROM. However, it may be realized by hardware (dedicated circuit).

  The server transmission unit A13, the portable transmission unit A23, and the first settlement transmission unit A34 are usually realized by wireless or wired communication means, but may be realized by broadcasting means.

  The portable receiver A22 can be realized by short-range wireless communication means.

  Next, the operation of the payment system A will be described. First, operation | movement of server apparatus A1 is demonstrated using the flowchart of FIG.

  (Step S301) The server reception unit A12 determines whether card-related information has been received from the payment terminal A3. If card-related information is received, the process goes to step S302, and if card-related information is not received, the process returns to step S301.

  (Step S302) The server transmission unit A13 acquires the card identifier included in the card related information received in step S301.

  (Step S303) The server transmission unit A13 acquires the mobile identifier paired with the card identifier acquired in step S302 from the authentication information stored in the authentication information storage unit A11.

  (Step S304) The server transmission unit A13 transmits a mobile related information transmission instruction to the mobile terminal A2 identified by the mobile identifier acquired in Step S303.

  (Step S305) In response to the transmission of the transmission instruction in step S304, the server reception unit A12 determines whether or not portable related information has been received from the portable terminal A2. If mobile-related information is received, the process goes to step S306, and if mobile-related information is not received, the process returns to step S305.

  (Step S306) The server determination unit A14 acquires one or more second settlement identifiers from the mobile related information received in Step S305.

  (Step S307) The server determination unit A14 uses the first settlement identifier included in the card-related information received in Step S301 and the one or more second settlement identifiers acquired in Step S306 to validate this settlement process. It is determined whether or not. If it is determined to be valid, the process proceeds to step S308, and if it is determined not to be valid, the process proceeds to step S309.

  Specifically, for example, the server determination unit A14 acquires, from the authentication information storage unit A11, a second payment identifier that is paired with the first payment identifier included in the card-related information. Then, the server determination unit A14 determines whether or not the acquired second settlement identifier is included in the one or more second settlement identifiers acquired in step S306. When the acquired second payment identifier is included in the one or more second payment identifiers acquired in step S306, the server determination unit A14 determines that the payment processing is valid.

  Specifically, for example, the server determination unit A14 determines whether the first settlement identifier included in the card-related information and one second settlement identifier among the one or more second settlement identifiers acquired in step S306. It is determined whether or not the payment set information that is a set is stored in the authentication information storage unit A11. If it is stored, the server determination unit A14 may determine that the payment process is valid.

  (Step S308) The server processing unit 115 performs processing corresponding to authentication permission. The process returns to step S301.

  (Step S309) The server processing unit 115 performs a process corresponding to the authentication non-permission. The process returns to step S301.

  In the flowchart of FIG. 3, the process ends when the power is turned off or the process is terminated.

  Next, operation | movement of portable terminal A2 is demonstrated using the flowchart of FIG.

  (Step S401) The mobile receiver A22 determines whether a transmission instruction is received from the server device A1. If a transmission instruction is received, the process proceeds to step S402, and if a transmission instruction is not received, the process returns to step S401. The transmission instruction is an instruction to transmit mobile related information.

  (Step S402) The mobile receiver A22 acquires one or more second settlement identifiers by short-range wireless communication.

  (Step S403) The portable transmission unit A23 acquires the portable identifier from the portable storage unit 121.

  (Step S404) The mobile transmission unit A23 configures mobile-related information using the one or more second settlement identifiers received in Step S402 and the mobile identifier acquired in Step S403.

  (Step S405) The mobile transmission unit A23 transmits the mobile related information configured in step S404 to the server device A1.

  In the flowchart of FIG. 4, the process ends when the power is turned off or the process ends.

  In the flowchart of FIG. 4, the mobile transmission unit A23 may transmit only one or more second settlement identifiers to the server device A1.

  Next, the operation of the payment terminal A3 will be described using the flowchart of FIG.

  (Step S501) The first payment acquisition unit 131 determines whether a card identifier has been acquired from the payment card. If the card identifier is acquired, the process goes to step S502. If the card identifier is not acquired, the process returns to step S501.

  (Step S502) The second payment acquisition unit A33 acquires the first payment identifier from the payment storage unit A31.

  (Step S503) The first settlement transmission unit A34 configures card-related information having the card identifier acquired in Step S501 and the first settlement identifier acquired in Step S502.

  (Step S504) The first settlement transmission unit A34 transmits the card related information configured in Step S503 to the server device A1.

  In the flowchart of FIG. 5, the process ends when the power is turned off or the process ends.

  Hereinafter, a specific operation of the settlement system A in the present embodiment will be described. A conceptual diagram of the payment system A is shown in FIG.

  Now, the authentication information storage unit A11 of the server device 11 holds the authentication information management table shown in FIG. The authentication information management table manages one or more pieces of user information including authentication information. The user information includes “membership number”, “authentication information”, “name”, and the like. “Authentication information” includes “credit card number” and “mobile number”. Here, “credit card number” is an example of a card identifier. “Mobile number” is an example of a mobile identifier. Note that “ID” in the authentication information management table is information for identifying a record.

  Further, the authentication information storage unit A11 holds the store terminal radio wave information management table shown in FIG. The store terminal radio wave information management table has “ID”, “store terminal ID”, and “SSID”. “ID” is information for identifying a record. The “store terminal ID” is information for identifying a store. “Store terminal ID” is an example of a payment terminal identifier, and is an example of a first payment identifier. Furthermore, “SSID” is a second settlement identifier here. “SSID” is also an identifier of an access point in the wireless LAN. A set of “store terminal ID” and “SSID” is payment set information.

  In addition, it is assumed that the first settlement identifier “8888” is stored in the settlement storage unit A31 of the settlement terminal A3.

  In this situation, the user “Ichiro Tanaka” purchases a product at the store where the store terminal identified by the first settlement identifier “8888” is installed, and makes a payment with his / her credit card. I gave my credit card. Further, it is assumed that Ichiro Tanaka has activated the settlement application of his / her mobile terminal 12 that he / she holds.

  Next, the salesperson received the credit card and caused the settlement terminal 13 to read the credit card. The salesperson inputs the sold product ID “001” and the amount “2500 yen” to the settlement terminal 13. Then, the first payment acquisition unit 131 of the payment terminal 13 acquires the credit card number “12345678”. Further, the second payment acquisition unit A33 acquires the first payment identifier “8888” from the payment storage unit A31.

  Next, the first settlement transmission unit A34 determines the card from the acquired card identifier “12345678”, the acquired first settlement identifier “8888”, the received product ID “001” and the amount “2500 yen”. Related information “8888, 12345678, 001, 2500 yen” is configured. Then, the first settlement transmission unit A34 transmits the configured card-related information “8888, 12345678, 001, 2500 yen” to the server device A1.

  Next, the server receiving unit A12 of the server apparatus A receives the card related information “8888, 12345678, 001, 2500” from the settlement terminal A3. Then, the server transmission unit A13 acquires the card identifier “12345678” included in the received card related information. Next, the server transmission unit A13 acquires the portable identifier “090-1234-1122” paired with the acquired card identifier “12345678” from the authentication information management table of FIG. And server transmission part A13 transmits the transmission instruction | indication of portable relevant information with respect to portable terminal A2 identified by the acquired portable identifier "090-1234-1122".

  Next, the mobile receiver A22 of the mobile terminal A2 receives an instruction to transmit mobile related information from the server device A1. Next, the mobile receiver A22 acquires one or more second settlement identifiers by short-range wireless communication. Here, it is assumed that the mobile receiver A22 has received three second settlement identifiers “SSID1, SSID7, SSID9”. Next, the portable transmission unit A23 acquires the portable identifier “090-1234-1122” from the portable storage unit 121. Next, the mobile transmission unit A23 configures mobile-related information “SSID1, SSID7, SSID9; 090-1234-1122” using the three second settlement identifiers and the mobile identifier. Next, the portable transmitter A23 transmits the configured portable related information “SSID1, SSID7, SSID9; 090-1234-1122” to the server device A1. Note that a short-range wireless communication radio wave is emitted around the mobile terminal A2, and the mobile receiver A22 of the mobile terminal A2 can acquire the SSID from the radio wave.

  Next, the server reception unit A12 of the server device A1 receives the mobile-related information “SSID1, SSID7, SSID9; 090-1234-1122” from the mobile terminal A2. Then, the server determination unit A14 acquires three second settlement identifiers “SSID1, SSID7, SSID9” from the received mobile related information. Next, the server determination unit A14 acquires the second settlement identifier “SSID1” paired with the first settlement identifier “8888” from the store terminal radio wave information management table. Then, the server determination unit A14 determines that the acquired second settlement identifier “SSID1” is included in the three acquired second settlement identifiers “SSID1, SSID7, SSID9”. That is, the server determination unit A14 determines that the payment is valid.

  Next, the server processing unit 115 performs processing corresponding to authentication permission. This process is, for example, a process of making a settlement of “2500 yen” for the credit card number “12345678”. Further, the authentication processing may be, for example, transmitting information indicating authentication permission or payment completion to the mobile terminal 12 and / or the payment terminal 13.

  As described above, according to the present embodiment, even in any environment such as a high-speed moving body or underground, there may be a mobile terminal held by the user within a certain relative distance from the payment terminal. As a result of guaranteeing, even in an environment where the absolute position of a payment terminal or a portable terminal is difficult to determine, authentication processing for payment can be performed correctly. As a result, for example, it can be used in a settlement process performed inside a mobile body such as a train or an airplane, or underground.

  Note that the processing in the present embodiment may be realized by software. Then, this software may be distributed by software download or the like. Further, this software may be recorded and distributed on a recording medium such as a CD-ROM. This also applies to other embodiments in this specification. Note that the software that implements the server device in the present embodiment is the following program. That is, this program stores one or more authentication information, which is a set of a card identifier for identifying a payment card and a portable identifier for identifying a mobile terminal, in the recording medium. A server receiving unit that receives one or more card-related information having one settlement identifier and a card identifier, and one or more mobile-related information having one or more second settlement identifiers for identifying payment; and A server determination unit that determines whether payment is valid using the received one or more card-related information, one or more mobile-related information, and one or more authentication information of the recording medium; and the server determination unit Is a program for functioning as a server processing unit that performs processing corresponding to authentication permission only when it is determined that the payment is valid, and the portable function received by the server receiving unit Information transmitted by the mobile terminal that has received the second settlement identifier by short-range wireless communication, or the mobile identifier received by the server reception unit has been transmitted by the settlement terminal received by short-range wireless communication from the mobile terminal It is a program that is information.

(Embodiment 2)
In this embodiment, a payment system that performs payment using a mobile terminal and a payment terminal, and a payment system that reliably prevents fraud will be described.

  In addition, the server device constituting the payment system in the present embodiment manages the card identifier of the payment card in association with the mobile identifier, receives the card identifier and the payment identifier, and receives the mobile identifier and the payment. If the information is received, and if the card identifier having the same settlement identifier and the mobile identifier are managed, authentication is permitted and an authentication result is output.

  The conceptual diagram of the settlement system 1 in the present embodiment is the same as FIG. The payment system 1 includes a server device 11, one or more portable terminals 12, and one or more payment terminals 13. The mobile terminal 12 is a terminal held by a user who purchases a product, and is a mobile phone, a so-called smartphone, a mobile tablet terminal, or the like. Here, the product may be considered to include a service. The payment terminal 13 is a terminal that performs payment for product purchase, and is, for example, a card reader for a payment card, a reader for a payment card (for example, an IC card), or the like. The payment card is a card used for payment, and includes a credit card, an electronic money card, and the like, and is widely understood. The payment card may be a postpay card or a prepaid card.

  FIG. 8 is a block diagram of the settlement system 1 in the present embodiment. The server device 11 includes an authentication information storage unit 111, a server reception unit 112, a server acquisition unit 113, a server determination unit 114, and a server processing unit 115.

  The mobile terminal 12 includes a mobile storage unit 121, a mobile reception unit 122, and a mobile transmission unit 123.

  The payment terminal 13 includes a first payment acquisition unit 131, a payment identifier generation unit 132, a second payment acquisition unit 133, a first payment transmission unit 134, and a second payment transmission unit 135.

  The authentication information storage unit 111 constituting the server device 11 can store one or more pieces of authentication information. The authentication information is a set of a card identifier for identifying the payment card and a portable identifier for identifying the portable terminal 12.

  The server receiving unit 112 receives one or more card related information and one or more mobile related information. The card related information is information having a settlement identifier and a card identifier. The mobile-related information is information having a settlement identifier and a mobile identifier. The card-related information and the mobile-related information may share a settlement identifier. That is, the server reception unit 112 may receive a payment identifier, a card identifier, and a mobile identifier. Here, the server receiving unit 112 receives card-related information from the payment terminal 13 and mobile-related information from the mobile terminal 12. Further, the payment identifier included in the card related information may be referred to as a first payment identifier. Furthermore, the payment identifier included in the mobile-related information may be referred to as a second payment identifier.

  Further, the mobile related information received by the server receiving unit 112 may be information having two or more payment identifiers and mobile identifiers. Further, the card related information received by the server receiving unit 112 may be information having two or more settlement identifiers and card identifiers.

  The server acquisition unit 113 acquires a pair of a card identifier and a mobile identifier paired with the same settlement identifier among the one or more card related information and the one or more mobile related information received by the server reception unit 112.

  In addition, when the server receiving unit 112 receives mobile related information having two or more settlement identifiers, the server acquiring unit 113 includes one or more card related information and one or more mobile related information received by the server receiving unit 112. Thus, the mobile identifier included in the mobile related information partially including the same payment identifier as the payment identifier included in the card related information and the card identifier included in the corresponding card related information are acquired.

  The server determination unit 114 determines whether authentication information that matches the set of the card identifier and the mobile identifier acquired by the server processing unit 115 exists in the authentication information storage unit 111.

  The server processing unit 115 performs processing corresponding to the authentication permission only when the server determination unit 114 determines that matching authentication information exists. In addition, when the server determination unit 114 determines that there is no matching authentication information, the server processing unit 115 normally performs processing corresponding to authentication non-permission. The process corresponding to the authentication permission may be a process of transmitting information indicating authentication permission, a payment process, or the like. The payment process may be any process related to payment, and is a well-known technique, and thus detailed description thereof is omitted. Further, the process corresponding to the authentication non-permission is, for example, a process of transmitting an error message to the mobile terminal 12 and / or the settlement terminal 13.

  The mobile receiver 122 that constitutes the mobile terminal 12 receives the settlement identifier by short-range wireless communication. The mobile receiving unit 122 may receive the payment identifier from the payment terminal 13 by short-range wireless communication, or picks up a radio wave around the place where the payment is performed, and sets a peripheral payment identifier (for example, SSID or MAC address). ) May be received.

  Moreover, the mobile receiver 122 may receive two or more payment identifiers by short-range wireless communication. That is, for example, the mobile receiver 122 may pick up radio waves around a place where payment is performed and receive two or more peripheral payment identifiers (for example, SSID and MAC address).

  The mobile transmission unit 123 transmits mobile-related information including the mobile identifier stored in the mobile storage unit 121 and the settlement identifier received by the mobile reception unit 122 to the server device 11.

  In addition, the mobile transmission unit 123 may transmit mobile-related information including the mobile identifier stored in the mobile storage unit 121 and two or more settlement identifiers received by the mobile reception unit 122 to the server device 11.

  The payment identifier generation unit 132 configuring the payment terminal 13 generates a payment identifier in response to the first payment acquisition unit 131 acquiring the card identifier. The payment identifier generator 132 normally generates a unique payment identifier.

  The second payment acquisition unit 133 acquires a payment identifier. Here, the acquisition may be to read a payment identifier stored in a recording medium (not shown) or to acquire a payment identifier generated by the payment identifier generation unit 132.

  The first payment transmission unit 134 transmits card-related information having the card identifier acquired by the first payment acquisition unit 131 and the payment identifier acquired by the second payment acquisition unit 133 to the server device 11.

  The second payment transmission unit 135 transmits the payment identifier acquired by the second payment acquisition unit to the mobile terminal 12 by short-range wireless communication. The short-range wireless communication in all the embodiments is usually wireless communication that does not specify a partner, but may be wireless communication that specifies a partner.

  The authentication information storage unit 111 and the portable storage unit 121 are preferably non-volatile recording media, but can also be realized by volatile recording media. The process in which authentication information etc. are memorize | stored in the authentication information storage part 111 grade | etc., Is not ask | required. For example, authentication information or the like may be stored in the authentication information storage unit 111 or the like via a recording medium, and authentication information or the like transmitted via a communication line or the like is stored in the authentication information storage unit 111 or the like. Alternatively, authentication information or the like input via the input device may be stored in the authentication information storage unit 111 or the like.

  The server receiving unit 112 is usually realized by a wireless or wired communication means, but may be realized by a means for receiving a broadcast.

  The server acquisition unit 113, the server determination unit 114, the server processing unit 115, the payment identifier generation unit 132, and the second payment acquisition unit 133 can be usually realized by an MPU, a memory, or the like. The processing procedure of the server acquisition unit 113 and the like is usually realized by software, and the software is recorded on a recording medium such as a ROM. However, it may be realized by hardware (dedicated circuit).

  The portable transmission unit 123 and the first settlement transmission unit 134 are usually realized by wireless or wired communication means, but may be realized by broadcasting means.

  The mobile receiver 122 and the second settlement transmitter 135 can be realized by short-range wireless communication means. The short-range wireless communication means is a wireless communication means that can communicate only in a short distance, and is widely understood, for example, Bluetooth (registered trademark), wireless LAN, ZigBee, RF-ID, and the like.

  Next, the operation of the payment system 1 will be described. First, operation | movement of the server apparatus 11 is demonstrated using the flowchart of FIG.

  (Step S901) The server reception unit 112 determines whether or not one or more card related information and one or more mobile related information have been received. If one or more card related information etc. are received, it will go to step S902, and if not received, it will return to step S901. Here, the server reception unit 112 may receive one or more card-related information and one or more mobile-related information. Note that the timing of receiving one or more card-related information and one or more mobile-related information may be the same or different. That is, the timing at which one or more card-related information and one or more mobile-related information are received does not matter.

  (Step S902) The server reception unit 112 temporarily stores one or more card-related information and one or more mobile-related information received in step S901 in a buffer (not shown).

  (Step S903) The server acquisition unit 113 selects a pair of a card identifier and a mobile identifier paired with the same settlement identifier from one or more pieces of card-related information and one or more mobile-related information existing in the buffer. Get more than pairs. Such a process is called a group information acquisition process. A set of a card identifier and a mobile identifier is appropriately referred to as set information. The group information acquisition process will be described with reference to the flowchart of FIG.

  (Step S904) The server determination unit 114 substitutes 1 for a counter i.

  (Step S905) The server determination unit 114 determines whether or not the i-th group information acquired in step S903 exists. If the i-th group information exists, the process goes to step S906, and if not, the process returns to step S901.

  (Step S906) The server determination unit 114 searches the authentication information storage unit 111 using the i-th set information as a key.

  (Step S907) From the search result in step S906, the server determination unit 114 determines whether authentication information that matches the i-th group information exists in the authentication information storage unit 111. If it exists in the authentication information storage unit 111, go to step S908, and if not, go to step S909.

  (Step S908) The server processing unit 115 performs processing corresponding to authentication permission. Go to step S910.

  (Step S909) The server processing unit 115 performs a process corresponding to authentication not permitted.

  (Step S910) The server determination unit 114 increments the counter i by 1. The process returns to step S905.

  In the flowchart of FIG. 9, the process is terminated by power-off or a process termination interrupt.

  Next, the group information acquisition processing in step S903 will be described using the flowchart in FIG.

  (Step S1001) The server acquisition unit 113 substitutes 1 for a counter i.

  (Step S1002) The server acquisition unit 113 determines whether or not the i-th card related information exists in a buffer (not shown). If it exists in the buffer, the process goes to step S1003, and if it does not exist in the buffer, the process returns to the upper process.

  (Step S1003) The server acquisition unit 113 acquires a settlement identifier included in the i-th card related information.

  (Step S1004) The server acquisition unit 113 searches for one or more mobile related information using the payment identifier acquired in step S1003 as a key. The one or more mobile related information is mobile related information in a buffer (not shown).

  (Step S1005) As a result of the search in step S1004, the server acquisition unit 113 determines whether or not the settlement identifier acquired in step S1003 is present in one or more mobile related information. If there is a settlement identifier, go to step S1006, and if there is no settlement identifier, go to step S1008.

  (Step S1006) The server acquisition unit 113 acquires a card identifier and a portable identifier that have a common settlement identifier.

  (Step S1007) The server acquisition unit 113 deletes mobile-related information including a common settlement identifier from the buffer.

  (Step S1008) The server acquisition unit 113 deletes the card related information including the common settlement identifier from the buffer.

  (Step S1009) The server acquisition unit 113 increments the counter i by 1. The process returns to step S1002.

  Next, the operation of the mobile terminal 12 will be described using the flowchart of FIG.

  (Step S1101) The mobile receiver 122 determines whether or not the payment identifier has been received from the payment terminal 13 by short-range wireless communication. If the settlement identifier is received, the process goes to step S1102, and if not received, the process returns to step S1101.

  (Step S1102) The portable transmission unit 123 reads the portable identifier from the portable storage unit 121.

  (Step S1103) The mobile transmission unit 123 configures mobile-related information using the settlement identifier received in step S1101 and the mobile identifier read in step S1102.

  (Step S1104) The portable transmission unit 123 transmits the portable related information configured in step S1103 to the server device 11. It is assumed that the portable transmission unit 123 holds information (for example, an IP address, a MAC address, etc.) that identifies the server device 11 that is a transmission destination. The process returns to step S1101.

  Note that the processing is ended by powering off or interruption for aborting the processing in the flowchart in FIG.

  Next, operation | movement of the payment terminal 13 is demonstrated using the flowchart of FIG.

  (Step S1201) The first payment acquisition unit 131 determines whether a card identifier has been acquired from the payment card. When the card identifier is acquired, the process goes to step S1202, and when the card identifier is not acquired, the process returns to step S1201.

  (Step S1202) The payment identifier generation unit 132 generates a payment identifier in response to the first payment acquisition unit 131 acquiring the card identifier. Then, the second payment acquisition unit 133 acquires the payment identifier generated by the payment identifier generation unit 132. In this step, the second settlement acquisition unit 133 may read the settlement identifier stored in the recording medium.

  (Step S1203) The second payment transmission unit 135 transmits the payment identifier acquired in Step S1202 to the mobile terminal 12 by short-range wireless communication.

  (Step S1204) The first payment transmission unit 134 configures card-related information using the card identifier acquired in Step S1201 and the payment identifier acquired in Step S1202.

  (Step S1205) The first settlement transmission unit 134 transmits the card-related information configured in step S1204 to the server device 11. It is assumed that the first settlement transmission unit 134 holds information (for example, an IP address, a MAC address, etc.) that identifies the server device 11 that is a transmission destination. The process returns to step S1201.

  In the flowchart of FIG. 12, the process is terminated by powering off or a process termination interrupt.

  Hereinafter, a specific operation of the settlement system 1 in the present embodiment will be described. A conceptual diagram of the payment system 1 is shown in FIG.

  Now, the authentication information storage unit 111 of the server device 11 holds the authentication information management table shown in FIG. Further, the authentication information storage unit 111 holds a store terminal radio wave information management table shown in FIG. In this situation, the following two specific examples will be described.

(Specific example 1)
Specific example 1 is a case where authentication is permitted and settlement is performed.

  The user “Ichiro Tanaka” purchased the product at the store “8888” traveling in the car while getting on the Shinkansen, and gave his credit card to the salesperson in order to make a payment with his credit card. Further, it is assumed that Ichiro Tanaka has activated the settlement application of his / her mobile terminal 12 that he / she holds.

  Next, the salesperson received the credit card and caused the settlement terminal 13 to read the credit card. The salesperson inputs the sold product ID “001” and the amount “2500 yen” to the settlement terminal 13. Then, the first payment acquisition unit 131 of the payment terminal 13 acquires the credit card number “12345678”. Next, the second payment acquisition unit 133 acquires the SSID “SSID1” that is a payment identifier. Next, the second payment transmission unit 135 transmits the payment identifier “SSID1” to the mobile terminal 12 of Ichiro Tanaka by short-range wireless communication. Next, a settlement accepting unit (not shown) accepts the product ID “001” and the amount “2500 yen” input by the salesperson. Next, the first settlement transmission unit 134 configures the card related information “SSID1, 1234567,001,2500” using the credit card number “12345678” and the settlement identifier “SSID1”. Here, the card-related information includes a product ID and a price. Next, the first settlement transmission unit 134 transmits the card-related information “SSID 1, 12345678, 001, 2500 yen” to the server device 1.

  In addition, the mobile receiver 122 of the mobile terminal 12 receives the payment identifier “SSID1” from the payment terminal 13 by short-range wireless communication. Then, the portable transmission unit 123 reads the portable number “090-1234-1122” from the portable storage unit 121. It is assumed that the portable number “090-1234-1122” is stored in advance in the portable storage unit 121 of the portable terminal 12. Next, the mobile transmission unit 123 configures mobile-related information “SSID 1,090-1234-1122” using the received settlement identifier “SSID1” and the read mobile identifier “090-1234-1122”. Next, the mobile transmission unit 123 transmits the configured mobile-related information “SSID 1,090-1234-1122” to the server device 11.

  Next, the server receiving unit 112 of the server device 11 receives the card-related information “SSID 1,12345678,001,2500 yen” from the settlement terminal 13 and accumulates it in the buffer. In addition, the server reception unit 112 receives the mobile-related information “SSID 1,090-1234-1122” from the mobile terminal 12 and stores it in the buffer. Next, the server acquisition unit 113 sets the combination of the card identifier and the mobile identifier having the same settlement identifier “SSID1” among the one or more card-related information and the one or more mobile-related information existing in the buffer “12345678,090”. -1234-1122 ". Next, the server determination unit 114 searches the authentication information management table of FIG. 6 using the group information “12345678, 090-1234-1122” as a key. Then, the server determination unit 114 determines that authentication information that matches the group information “12345678, 090-1234-1122” exists in the record of “ID = 1” in FIG. 6. Then, the server processing unit 115 performs an authentication process corresponding to the authentication permission. The authentication process is, for example, a process of performing a settlement of “2500 yen” for the credit card number “12345678”. Further, the authentication process may be, for example, transmitting information indicating authentication permission or payment completion to the mobile terminal 12 and / or the payment terminal 13.

  Needless to say, in the first specific example, the payment identifier generation unit 132 may generate the payment identifier.

(Specific example 2)
Specific example 2 includes a case where authentication is not permitted.

  It is assumed that the user “Taro Yamada” loses the credit card, and another malicious person A picks up the credit card of Yamada Taro. Then, another person A purchased the product at the store “9999” and handed Taro Yamada's credit card to the salesperson in order to make a payment with Taro Yamada's credit card. In addition, it is assumed that another person A knows the payment mechanism of the present application and activates the payment application of his / her mobile terminal 12 that he / she holds.

  Next, the salesperson received the credit card and caused the settlement terminal 13 to read the credit card. Further, the salesperson inputs the sold product ID “107” and the amount “385000 yen” to the settlement terminal 13. Then, the first payment acquisition unit 131 of the payment terminal 13 acquires the credit card number “223334567”. Next, the second payment acquisition unit 133 acquires the SSID “SSID2” that is a payment identifier. Next, the second payment transmission unit 135 transmits the payment identifier “SSID2” to the portable terminal 12 of the other person A by short-range wireless communication. Next, a settlement accepting unit (not shown) accepts the product ID “107” and the amount “385000 yen” input by the salesperson. Next, the first payment transmission unit 134 configures card-related information “SSID 2, 2233567, 107, 385000 yen” using the credit card number “223334567” and the payment identifier “SSID2”. Here, the card-related information includes a product ID and a price. Next, the first settlement transmission unit 134 transmits the card-related information “SSID 2, 2233567, 107, 385000 yen” to the server device 1.

  Further, the mobile receiver 122 of the mobile terminal 12 of the other person A receives the payment identifier “SSID2” from the payment terminal 13 by short-range wireless communication. Then, the portable transmission unit 123 reads the portable number “090-7777-4444” from the portable storage unit 121. It is assumed that the portable storage unit 121 of the portable terminal 12 of another person A stores the portable number “090-7777-4444” in advance. Next, the mobile transmitting unit 123 configures mobile-related information “SSID 2,090-7777-4444” using the received settlement identifier “SSID2” and the read mobile identifier “090-7777-4444”. Next, the mobile transmission unit 123 transmits the configured mobile-related information “SSID 2,090-7777-4444” to the server device 11.

  Further, around the same time, the user “Ichiro Tanaka” purchased the product at the store “9999” and gave his / her credit card to the salesperson in order to make a payment with his / her credit card. Further, it is assumed that Ichiro Tanaka has activated the settlement application of his / her mobile terminal 12 that he / she holds.

  Next, the salesperson received the credit card and caused the settlement terminal 13 to read the credit card. The salesperson inputs the sold product ID “106” and the amount “28500 yen” to the settlement terminal 13. Then, the first payment acquisition unit 131 of the payment terminal 13 acquires the credit card number “12345678”. Next, the second payment acquisition unit 133 acquires the SSID “SSID2” that is a payment identifier. Next, the second payment transmission unit 135 transmits the payment identifier “SSID2” to the mobile terminal 12 of Ichiro Tanaka by short-range wireless communication. Next, a settlement accepting unit (not shown) accepts the product ID “106” and the amount “28500 yen” input by the salesperson. Next, the first payment transmission unit 134 configures card-related information “SSID2, 12345678, 106, 28500 yen” using the credit card number “12345678” and the payment identifier “SSID2”. Here, the card-related information includes a product ID and a price. Next, the first settlement transmission unit 134 transmits the card related information “SSID 2, 12345678, 106, 28500 yen” to the server device 1.

  Further, the mobile receiver 122 of the mobile terminal 12 receives the payment identifier “SSID2” from the payment terminal 13 by short-range wireless communication. Then, the portable transmission unit 123 reads the portable number “090-1234-1122” from the portable storage unit 121. It is assumed that the portable number “090-1234-1122” is stored in advance in the portable storage unit 121 of the portable terminal 12. Next, the mobile transmission unit 123 configures mobile-related information “SSID2, 090-1234-1222” using the received settlement identifier “SSID2” and the read mobile identifier “090-1234-1122”. Next, the mobile transmission unit 123 transmits the configured mobile-related information “SSID 2,090-1234-1122” to the server device 11.

  Next, the server receiving unit 112 of the server device 11 receives the card-related information “SSID 2, 2233567, 107, 385000 yen” from the settlement terminal 13 and accumulates it in the buffer. In addition, the server reception unit 112 receives the mobile related information “SSID 2,090-7777-4444” from the mobile terminal 12 of the other person A, and accumulates it in the buffer.

  Further, the server receiving unit 112 of the server device 11 receives the card related information “SSID 2, 12345678, 106, 28500 yen” from the settlement terminal 13 and accumulates it in the buffer. In addition, the server reception unit 112 receives the mobile-related information “SSID 2,090-1234-1122” from the mobile terminal 12 of the other person A and accumulates it in the buffer.

  Next, the server acquisition unit 113 sets the combination of the card identifier and the mobile identifier having the same settlement identifier “SSID2” among the one or more card-related information and the one or more mobile-related information existing in the buffer “223334567,090”. -7777-4444 "," 223345567, 090-1234-1122 "," 12345678, 090-7777-4444 "," 12345678, 090-1234-1122 ".

  Next, the server determination unit 114 searches the authentication information management table of FIG. 6 using each set information of the 4 sets information as a key. Then, the server determination unit 114 determines that only the set information “12345678, 090-1234-1122” includes authentication information that matches the set information (record of “ID = 1”). . Then, the server processing unit 115 performs an authentication process corresponding to the authentication permission for the payment specified by the set information “12345678, 090-1234-1122”. The authentication process is, for example, a process of making a settlement of “28500 yen” for the credit card number “12345678”.

  On the other hand, the server determination unit 114 performs an authentication non-permission process on the mobile terminal 12 and / or the payment terminal 13 for which no matching authentication information exists. The authentication non-permission process is, for example, transmission of an error message.

  Then, the portable terminal 12 or / and the settlement terminal 13 of another person A receives and outputs the error message.

  With this process, the settlement process is performed only when the authentication is valid.

  As described above, according to the present embodiment, even in any environment such as a high-speed moving body or underground, there may be a mobile terminal held by the user within a certain relative distance from the payment terminal. As a result of guaranteeing, even in an environment where the absolute position of a payment terminal or a portable terminal is difficult to determine, authentication processing for payment can be performed correctly. As a result, for example, it can be used in a settlement process performed inside a mobile body such as a train or an airplane, or underground.

  Note that the software that implements the server device in the present embodiment is the following program. That is, this program stores one or more authentication information, which is a set of a card identifier for identifying a payment card and a portable identifier for identifying a mobile terminal, in the recording medium. A server receiving unit that receives one or more card-related information having one settlement identifier and a card identifier, and one or more mobile-related information having one or more second settlement identifiers for identifying payment; and A server determination unit that determines whether payment is valid using the received one or more card-related information, one or more mobile-related information, and one or more authentication information of the recording medium; and the server determination unit Is a program for functioning as a server processing unit that performs processing corresponding to authentication permission only when it is determined that the payment is valid, and the portable function received by the server receiving unit Information transmitted by the mobile terminal that has received the second settlement identifier by short-range wireless communication, or the mobile identifier received by the server reception unit has been transmitted by the settlement terminal received by short-range wireless communication from the mobile terminal It is a program that is information.

  In the above program, the mobile related information includes a second settlement identifier and a mobile identifier, and the first settlement identifier included in the card related information and the second settlement identifier included in the mobile related information A payment identifier that is the same type of information to be identified, and the card identifier and the mobile phone paired with the same payment identifier among the one or more card related information and the one or more mobile related information received by the server receiver The computer is further functioned as a server acquisition unit that acquires a set of identifiers, and the server determination unit stores authentication information that matches a set of a card identifier and a mobile identifier acquired by the server acquisition unit in the authentication information storage unit. As a program for determining whether or not it exists, a program that causes a computer to function is suitable.

(Embodiment 3)
Compared with the second embodiment, the present embodiment differs in that the card-related information and the mobile-related information are transmitted to the server device at the settlement terminal. In the second embodiment, the payment terminal transmits the card related information, and the mobile terminal transmits the mobile related information.

  The conceptual diagram of the payment system 2 in the present embodiment is the same as FIG. In addition, the code | symbol in FIG.

  FIG. 13 is a block diagram of the payment system 2 in the present embodiment. The payment system 2 includes a server device 21, a mobile terminal 22, and a payment terminal 23. The mobile terminal 22 is a terminal held by a user who purchases a product, and is a mobile phone, a so-called smartphone, a mobile tablet terminal, or the like. The payment terminal 23 is a terminal that performs payment for product purchase, and is, for example, a card reader for a payment card, a reader for a payment card (for example, an IC card), or the like.

  The server device 21 includes an authentication information storage unit 111, a server reception unit 212, a server acquisition unit 113, a server determination unit 114, and a server processing unit 115.

  The portable terminal 22 includes a portable storage unit 121, a portable transmission unit 222, and a portable reception unit 122.

  The payment terminal 23 includes a first payment acquisition unit 131, a payment identifier generation unit 132, a second payment acquisition unit 133, a payment reception unit 231, and a payment transmission unit 232.

  The server receiving unit 212 constituting the server device 21 receives one or more card related information and one or more mobile related information from the payment terminal 23. The card related information includes a settlement identifier and a card identifier. The mobile-related information includes a settlement identifier and a mobile identifier. As described in the first embodiment, the card-related information and the mobile-related information may share a payment identifier. That is, the server reception unit 212 may receive a payment identifier, a card identifier, and a mobile identifier.

  The mobile transmission unit 222 constituting the mobile terminal 22 transmits the mobile identifier stored in the mobile storage unit 121 to the settlement terminal 23 by short-range wireless communication.

  The payment receiving unit 231 constituting the payment terminal 23 receives the mobile identifier from the mobile terminal 22 by short-range wireless communication.

  The settlement transmission unit 232 transmits one or more card related information and one or more mobile related information to the server device 21. The card-related information here has a payment identifier acquired by the second payment acquisition unit 133 and a card identifier acquired by the first payment acquisition unit 131. The mobile-related information includes the payment identifier acquired by the second payment acquisition unit 133 and the mobile identifier received by the payment transmission unit 232.

  The server reception unit 212 is usually realized by a wireless or wired communication means, but may be realized by a means for receiving a broadcast.

  The portable transmitter 222 and the payment receiver 231 can be realized by short-range wireless communication means.

  The settlement transmission unit 232 is usually realized by a wireless or wired communication means, but may be realized by a means for receiving a broadcast.

  Next, the operation of the payment system 2 will be described. First, the operation of the server device 21 will be described. The operation of the server device 21 is different from the operation of the server device 11 only in the information receiving source in step S901. Otherwise, the operation of the flowchart of FIG. 9 is performed. In step S <b> 901, the server reception unit 212 of the server device 21 receives one or more card-related information and one or more mobile-related information from the payment terminal 23.

  Next, the operation of the mobile terminal 22 will be described. A receiving unit (not shown) of the mobile terminal 22 receives a mobile identifier transmission instruction from the user. In response to the transmission instruction, the portable transmission unit 222 reads the portable identifier from the portable storage unit 121. Next, the mobile transmission unit 222 transmits the mobile identifier to the payment terminal 23 by short-range wireless communication. Further, the portable receiving unit 122 may receive the result of the authentication process regarding the process for settlement.

  Next, the operation of the payment terminal 23 will be described using the flowchart of FIG.

  (Step S1401) The first payment acquisition unit 131 determines whether a card identifier has been acquired from the payment card. If the card identifier is acquired, the process goes to step S1402. If the card identifier is not acquired, the process returns to step S1401.

  (Step S1402) The settlement receiving unit 231 determines whether or not the mobile identifier has been received from the mobile terminal 22 by short-range wireless communication. If the mobile identifier is received, the process goes to step S1403. If not, the process returns to step S1402.

  (Step S1403) The second payment acquisition unit 133 acquires a payment identifier.

  (Step S1404) The settlement transmission unit 232 configures information to be transmitted. The information to be transmitted usually includes the card identifier received in step S1401, the mobile identifier received in step S1402, and the settlement identifier acquired in step S1403. Further, it can be said that such information is card-related information and mobile-related information that share the payment identifier.

  (Step S1405) The settlement transmission unit 232 transmits the information configured in Step S1404 to the server device 21. It is assumed that the settlement transmission unit 232 holds information for communicating with the server device 21 (for example, the IP address or MAC address of the server device 21).

  In the flowchart of FIG. 14, the process is terminated by powering off or a process termination interrupt.

  Further, in the flowchart of FIG. 14, there is no need to obtain a payment identifier (step S1403).

  Moreover, in the flowchart of FIG. 14, the order of reception of the card identifier and reception of the mobile identifier does not matter.

  Hereinafter, a specific operation of the settlement system 2 in the present embodiment will be described. The conceptual diagram of the payment system 2 is the same as FIG.

  Now, the authentication information storage unit 111 of the server device 11 holds the authentication information management table shown in FIG. Further, the server device 11 holds a store terminal radio wave information management table shown in FIG. 7 in a recording medium or an authentication information storage unit 111 (not shown).

  In such a situation, the user “Ichiro Tanaka” purchases a product at the store “8888” traveling in the car while taking the Shinkansen, and makes a payment with his / her credit card to the salesperson. Passed. Further, it is assumed that Ichiro Tanaka has activated the settlement application of his / her mobile terminal 22 that he / she holds. And the portable transmission part 222 of the portable terminal 22 reads portable identifier "090-1234-1122" from the portable storage part 121, and transmits to the payment terminal 23 by near field communication.

  Next, the salesperson received the credit card and caused the settlement terminal 23 to read the credit card. Further, the salesperson inputs the sold product ID “001” and the amount “2500 yen” to the settlement terminal 23. Then, the first payment acquisition unit 131 of the payment terminal 13 acquires the credit card number “12345678”. The settlement receiving unit 231 receives the mobile identifier “090-1234-1122” from the mobile terminal 22 by short-range wireless communication.

  Next, a settlement accepting unit (not shown) accepts the product ID “001” and the amount “2500 yen” input by the salesperson. Next, the settlement transmission unit 232 transmits using the credit card number “12345678”, the received mobile number “090-1234-1122”, the received product ID “001” and the amount of money “2500 yen”. Information "12345678,090-1234-1122,001,2500 yen". Then, the settlement transmission unit 232 transmits the information “12345678, 090-1234-1122, 001, 2500 yen” to the server device 21.

  Next, the server receiving unit 112 of the server device 21 receives the information “12345678,090-1234-1212,001,2500 yen” including the card related information and the mobile related information, and stores it in the buffer.

  Next, the server acquisition unit 113 acquires a set “12345678, 090-1231-1122” of the card identifier and the mobile identifier in the information existing in the buffer. Next, the server determination unit 114 searches the authentication information management table of FIG. 6 using the group information “12345678, 090-1234-1122” as a key. Then, the server determination unit 114 determines that authentication information that matches the group information “12345678, 090-1234-1122” exists in the record of “ID = 1” in FIG. 6. Then, the server processing unit 115 performs an authentication process corresponding to the authentication permission. The authentication process is, for example, a process of performing a settlement of “2500 yen” for the credit card number “12345678”. Further, the authentication process may be, for example, transmitting information indicating authentication permission or payment completion to the mobile terminal 12 and / or the payment terminal 13.

  As described above, according to the present embodiment, even in any environment such as a high-speed moving body or underground, there may be a mobile terminal held by the user within a certain relative distance from the payment terminal. As a result of guaranteeing, even in an environment where the absolute position of a payment terminal or a portable terminal is difficult to determine, authentication processing for payment can be performed correctly. As a result, for example, it can be used in a settlement process performed inside a mobile body such as a train or an airplane, or underground.

  Note that the software that implements the information processing apparatus according to the present embodiment is the following program. That is, this program stores one or more authentication information, which is a set of a card identifier for identifying a payment card and a portable identifier for identifying a mobile terminal, in the recording medium. A server receiving unit that receives one or more card-related information having one settlement identifier and a card identifier, and one or more mobile-related information having one or more second settlement identifiers for identifying payment; and A server determination unit that determines whether payment is valid using the received one or more card-related information, one or more mobile-related information, and one or more authentication information of the recording medium; and the server determination unit Is a program for functioning as a server processing unit that performs processing corresponding to authentication permission only when it is determined that the payment is valid, and the portable function received by the server receiving unit Information transmitted by the mobile terminal that has received the second settlement identifier by short-range wireless communication, or the mobile identifier received by the server reception unit has been transmitted by the settlement terminal received by short-range wireless communication from the mobile terminal It is a program that is information.

  In the program, the mobile-related information includes a second settlement identifier and a mobile identifier, and the first settlement identifier included in the card-related information and the second settlement identifier included in the mobile-related information identify a settlement. Of the one or more card related information and the one or more mobile related information received by the server receiving unit, the card identifier and the mobile identifier paired with the same payment identifier are the same type of payment identifier. The server is further functioned as a server acquisition unit for acquiring a set, and the server determination unit determines whether authentication information that matches the set of the card identifier and the mobile identifier acquired by the server acquisition unit exists in the recording medium. It is preferable to make a computer function as a means for determining whether or not.

(Embodiment 4)
This embodiment is different from Embodiment 2 in that the card-related information and the mobile-related information are transmitted to the server device by the mobile terminal. In the second embodiment, the payment terminal transmits the card related information, and the mobile terminal transmits the mobile related information.

  The conceptual diagram of the payment system 3 in the present embodiment is the same as FIG. In addition, the code | symbol in FIG.

  FIG. 15 is a block diagram of the payment system 3 in the present embodiment. The payment system 3 includes a server device 31, a mobile terminal 32, and a payment terminal 33. Here, the mobile terminal 32 is a terminal held by a user who purchases a product, and is a mobile phone, a so-called smartphone, a mobile tablet terminal, or the like. The payment terminal 33 is a terminal that performs payment for product purchase, and is, for example, a card reader for a payment card, a reader for a payment card (for example, an IC card), or the like.

  The server device 31 includes an authentication information storage unit 111, a server reception unit 312, a server acquisition unit 113, a server determination unit 114, and a server processing unit 115. The mobile terminal 32 includes a mobile storage unit 121, a mobile reception unit 322, and a mobile transmission unit 323. Furthermore, the payment terminal 33 includes a first payment acquisition unit 131, a payment identifier generation unit 132, a second payment acquisition unit 133, and a payment transmission unit 333.

  The server receiving unit 312 constituting the server device 31 receives one or more card related information and one or more mobile related information from the mobile terminal 32. The card related information includes a settlement identifier and a card identifier. The mobile-related information includes a settlement identifier and a mobile identifier. Note that the card-related information and the mobile-related information received here may share a settlement identifier. That is, the server reception unit 312 may receive a payment identifier, a card identifier, and a mobile identifier.

  The mobile receiving unit 322 configuring the mobile terminal 32 receives the payment identifier and the card identifier from the payment terminal 33 by short-range wireless communication.

  The mobile transmission unit 323 transmits mobile-related information and card-related information to the server device 31. Here, the card related information and the mobile related information may share a settlement identifier. That is, the mobile transmission unit 323 may transmit the payment identifier, the card identifier, and the mobile identifier. In addition, the portable transmission unit 323 reads the portable identifier stored in the portable storage unit 121, and uses the portable identifier, the payment identifier received by the portable receiving unit 322, and the card identifier received by the portable receiving unit 322. The information to be transmitted is configured, and the configured information is transmitted to the server device 31.

  The payment transmission unit 333 constituting the payment terminal 33 transmits the card identifier and the payment identifier to the mobile terminal 32 by short-range wireless communication. The payment transmission unit 333 transmits information to the mobile terminal 32 using the card identifier acquired by the first payment acquisition unit 131 and the payment identifier acquired by the second payment acquisition unit 133.

  The server reception unit 312 is usually realized by a wireless or wired communication unit, but may be realized by a unit that receives a broadcast.

  The mobile receiver 322 and the payment transmitter 333 can be realized by short-range wireless communication means.

  The portable transmission unit 323 is usually realized by a wireless or wired communication unit, but may be realized by a broadcasting unit.

  Next, the operation of the payment system 3 will be described. First, the operation of the server device 31 will be described. The operation of the server device 31 is different from the operation of the server device 11 only in the information receiving source in step S901. Otherwise, the operation of the flowchart of FIG. 9 is performed. In step S <b> 901, the server reception unit 212 of the server device 31 receives one or more card related information and one or more mobile related information from the mobile terminal 32.

  Next, the operation of the mobile terminal 32 will be described. First, the mobile receiving unit 322 configuring the mobile terminal 32 receives the payment identifier and the card identifier from the payment terminal 33 by short-range wireless communication. Next, the portable transmission unit 323 reads the portable identifier from the portable storage unit 121. Next, the portable transmission unit 323 configures information to be transmitted from the portable identifier, the payment identifier, and the card identifier. The information to be transmitted has a mobile identifier, a payment identifier, and a card identifier. Moreover, it can be said that the information to be transmitted includes mobile-related information and card-related information. Next, the mobile transmission unit 323 transmits mobile-related information and card-related information to the server device 31.

  Next, the operation of the payment terminal 33 will be described using the flowchart of FIG.

  (Step S1601) The first payment acquisition unit 131 determines whether a card identifier has been acquired from the payment card. If the card identifier is acquired, the process goes to step S1602. If the card identifier is not acquired, the process returns to step S1601.

  (Step S1602) The second payment acquisition unit 133 acquires a payment identifier.

  (Step S1603) The settlement transmission unit 232 configures information to be transmitted. Note that the information to be transmitted usually has the card identifier received in step S1601 and the settlement identifier acquired in step S1602.

  (Step S1604) The settlement transmission unit 333 transmits the information configured in Step S1603 to the portable terminal 32 by short-range wireless communication. Note that the information configured in step S1603 includes a card identifier and a payment identifier.

  In the flowchart of FIG. 16, the process is terminated by power-off or a process termination interrupt.

  Further, in the flowchart of FIG. 16, there is no need to obtain a payment identifier (step S1602).

  Hereinafter, a specific operation of the payment system 3 in the present embodiment will be described. The conceptual diagram of the payment system 3 is the same as FIG.

  Now, the authentication information storage unit 111 of the server device 11 holds the authentication information management table shown in FIG. Further, the authentication information storage unit 111 holds a store terminal radio wave information management table shown in FIG.

  In such a situation, the user “Ichiro Tanaka” purchases a product at the store “8888” traveling in the car while taking the Shinkansen, and makes a payment with his / her credit card to the salesperson. Passed.

  Next, the salesperson received the credit card and caused the settlement terminal 23 to read the credit card. Further, the salesperson inputs the sold product ID “001” and the amount “2500 yen” to the settlement terminal 23. Then, a settlement accepting unit (not shown) of the settlement terminal 33 receives the product ID “001” and the amount “2500 yen”. Also, the first payment acquisition unit 131 of the payment terminal 13 acquires the credit card number “12345678”.

  Next, the payment transmission unit 333 transmits the information “12345678,001,” which is transmitted from the credit card number acquired by the first payment acquisition unit 131 and the product ID “001” and the amount “2500 yen” received by the payment terminal 33. "2,500 yen". Next, the settlement transmission unit 333 transmits the configured information “12345678, 001, 2500 yen” to the mobile terminal 32 by short-range wireless communication.

  Next, the mobile receiving unit 322 of the mobile terminal 32 receives information “12345678,001,2500 yen” including the card identifier from the settlement terminal 33 by short-range wireless communication.

  Next, the portable transmission unit 323 reads the portable number “090-1234-1122” from the portable storage unit 121. Next, the mobile transmission unit 323 receives information “12345678,090-1234-1212,001,2500” from the received information “12345678,001,2500” and the mobile number “090-1234-1122”. Is configured. Note that the information to be transmitted has a mobile identifier and a card identifier.

  Next, the portable transmission unit 323 transmits information “12345678, 090-1234-1122, 001, 2500” having portable-related information and card-related information to the server device 31.

  Next, the server reception unit 312 of the server device 31 receives information “12345678,090-1234-1122,001,2500 yen” including card-related information and mobile-related information, and stores it in the buffer.

  Next, the server acquisition unit 113 acquires a set “12345678, 090-1231-1122” of the card identifier and the mobile identifier in the information existing in the buffer. Next, the server determination unit 114 searches the authentication information management table of FIG. 6 using the group information “12345678, 090-1234-1122” as a key. Then, the server determination unit 114 determines that authentication information that matches the group information “12345678, 090-1234-1122” exists in the record of “ID = 1” in FIG. 6. Then, the server processing unit 115 performs an authentication process corresponding to the authentication permission. The authentication process is, for example, a process of performing a settlement of “2500 yen” for the credit card number “12345678”. Further, the authentication processing may be, for example, transmitting information indicating authentication permission or payment completion to the mobile terminal 12 and / or the payment terminal 13.

  As described above, according to the present embodiment, the present invention can also be used in a settlement process performed inside a moving body such as a train or an airplane, or underground.

  In the present embodiment, the mobile related information is transmitted from the settlement terminal 33 to the server device 31 via the mobile terminal 32. That is, in the present embodiment, the payment terminal 33 issues an instruction to transmit mobile related information to the mobile terminal 32. However, the server device 31 may issue a mobile related information transmission instruction.

In such a case, the processing procedure is generally as follows. In such a case, the server device 31 also includes a server transmission unit A13.
(1) The payment transmission unit 333 of the payment terminal 33 transmits card related information to the mobile terminal 32.
(2) The mobile receiving unit 322 of the mobile terminal 32 receives card related information from the payment terminal 33.
(3) The mobile transmission unit 323 of the mobile terminal 32 transmits the card related information to the server device 31. The mobile terminal 32 may be an abuser's mobile terminal 32.
(4) The server receiving unit 312 of the server device 31 receives card related information.
(5) The server acquisition unit 113 of the server device 31 acquires a regular mobile identifier using the card related information.
(6) Server transmission part A13 of the server apparatus 31 transmits the transmission instruction | indication of portable relevant information to the portable terminal 32 identified with a regular portable identifier.
(7) The mobile receiver 322 of the mobile terminal 32 receives an instruction to transmit mobile related information.
(8) The mobile transmission unit 323 of the mobile terminal 32 transmits the acquired settlement identifier (for example, a peripheral SSID) to the server device 31. Normally, the mobile receiver 122 receives the peripheral SSID.
(9) The server reception unit 312 of the server device 31 receives the settlement identifier.
(10) The server determination unit 114 of the server device 31 uses the received payment identifier to determine whether the mobile terminal 32 is valid (whether payment is valid).

  Thereafter, processing similar to the processing described in the above embodiment is performed, and the settlement processing is executed only when it is determined to be valid.

  Note that the software that implements the server device in the present embodiment is the following program. That is, this program stores one or more authentication information, which is a set of a card identifier for identifying a payment card and a portable identifier for identifying a mobile terminal, in the recording medium. A server receiving unit that receives one or more card-related information having one settlement identifier and a card identifier, and one or more mobile-related information having one or more second settlement identifiers for identifying payment; and A server determination unit that determines whether payment is valid using the received one or more card-related information, one or more mobile-related information, and one or more authentication information of the recording medium; and the server determination unit Is a program for functioning as a server processing unit that performs processing corresponding to authentication permission only when it is determined that the payment is valid, and the portable function received by the server receiving unit Information transmitted by the mobile terminal that has received the second settlement identifier by short-range wireless communication, or the mobile identifier received by the server reception unit has been transmitted by the settlement terminal received by short-range wireless communication from the mobile terminal It is a program that is information.

  In the program, the mobile-related information includes a second settlement identifier and a mobile identifier, and the first settlement identifier included in the card-related information and the second settlement identifier included in the mobile-related information identify a settlement. Of the one or more card related information and the one or more mobile related information received by the server receiving unit, the card identifier and the mobile identifier paired with the same payment identifier are the same type of payment identifier. The server is further functioned as a server acquisition unit for acquiring a set, and the server determination unit determines whether authentication information that matches the set of the card identifier and the mobile identifier acquired by the server acquisition unit exists in the recording medium. It is preferable to make a computer function as a means for determining whether or not. Further, in the above-described embodiment, the payment system that guarantees that the mobile terminal and the payment terminal are relatively close to each other and can perform authentication for performing payment processing correctly has been described. In each of the above embodiments, the information received by the server device and the terminal that transmits information to the server device are different, but it is guaranteed that the mobile terminal and the payment terminal are relatively close to each other. The point is common.

  In the specific example of the above embodiment, the mobile phone number is mainly used as the mobile phone number. However, when a mobile phone number is used, there may be a problem from the viewpoint of personal information protection. Accordingly, the mobile identifier is preferably a MAC address, for example.

  FIG. 17 shows the external appearance of a computer that executes the programs described in this specification to realize the payment systems of the various embodiments described above. The above-described embodiments can be realized by computer hardware and a computer program executed thereon. FIG. 17 is an overview diagram of the computer system 300, and FIG. 18 is a block diagram of the system 300.

  In FIG. 17, a computer system 300 includes a computer 301 including a CD-ROM drive, a keyboard 302, a mouse 303, and a monitor 304.

  In FIG. 18, in addition to the CD-ROM drive 3012, the computer 301 includes an MPU 3013, a bus 3014 connected to the MPU 3013 and the CD-ROM drive 3012, a ROM 3015 for storing a program such as a bootup program, and an MPU 3013. And a RAM 3016 for temporarily storing instructions of the application program and providing a temporary storage space, and a hard disk 3017 for storing the application program, the system program, and data. Although not shown here, the computer 301 may further include a network card that provides connection to a LAN.

  A program that causes the computer system 300 to execute the functions of the payment system of the above-described embodiment may be stored in the CD-ROM 3101, inserted into the CD-ROM drive 3012, and further transferred to the hard disk 3017. Alternatively, the program may be transmitted to the computer 301 via a network (not shown) and stored in the hard disk 3017. The program is loaded into the RAM 3016 at the time of execution. The program may be loaded directly from the CD-ROM 3101 or the network.

  The program does not necessarily include an operating system (OS) or a third-party program that causes the computer 301 to execute the functions of the payment system according to the above-described embodiment. The program only needs to include an instruction portion that calls an appropriate function (module) in a controlled manner and obtains a desired result. How the computer system 300 operates is well known and will not be described in detail.

  In the above program, in the step of transmitting information, the step of receiving information, etc., processing performed by hardware, for example, processing performed by a modem or an interface card in the transmission step (only performed by hardware) Processing) is not included.

  Further, the computer that executes the program may be singular or plural. That is, centralized processing may be performed, or distributed processing may be performed.

  Further, in each of the above embodiments, it goes without saying that two or more communication units existing in one apparatus may be physically realized by one medium.

  In each of the above embodiments, each process (each function) may be realized by centralized processing by a single device (system), or by distributed processing by a plurality of devices. May be.

  The present invention is not limited to the above-described embodiments, and various modifications are possible, and it goes without saying that these are also included in the scope of the present invention.

  As described above, the settlement system according to the present invention has an effect that it can be used in a settlement process performed inside a mobile body such as a train or an airplane, or underground, and is useful as a settlement system.

A, 1, 2, 3 Payment system A1, 11, 21, 31 Server device A2, 12, 22, 32 Mobile terminal A3, 13, 23, 33 Payment terminal A11, 111 Authentication information storage unit A12, 112, 212, 312 Server reception unit 113 Server acquisition unit A14, 114 Server determination unit 115 Server processing unit 121 Mobile storage unit A22, 122, 322 Mobile reception unit A23, 123, 222, 323 Mobile transmission unit A31 Payment storage unit 131 First payment acquisition unit 132 Payment identifier generation unit A33, 133 Second payment acquisition unit A34, 134 First payment transmission unit 135 Second payment transmission unit 231 Payment reception unit 232, 333 Payment transmission unit

Claims (12)

A server device in a payment system comprising a mobile terminal held by a user who purchases a product, a payment terminal for payment for product purchase, and a server device;
An authentication information storage unit capable of storing one or more authentication information that is a set of a card identifier for identifying a payment card and a mobile identifier for identifying a mobile terminal;
A server receiving unit that receives one or more card-related information having a first payment identifier for identifying a payment and a card identifier, and one or more mobile-related information having one or more second payment identifiers for identifying a payment;
Server determination for determining whether payment is valid using one or more card-related information, one or more mobile-related information received by the server reception unit, and one or more authentication information of the authentication information storage unit And
A server processing unit that performs processing corresponding to authentication permission only when the server determination unit determines that the payment is valid,
The mobile-related information received by the server receiver is information transmitted by the mobile terminal that has received the second settlement identifier by short-range wireless communication,
Or the server apparatus which is the information which the said payment terminal received by the said server receiving part received by the short distance wireless communication from the said portable terminal transmitted from the said portable terminal. The authentication information is:
It also has one or more payment set information that is a set of the first payment identifier and the second payment identifier,
The portable terminal is
A mobile receiver that receives one or more second settlement identifiers via short-range wireless communication;
A mobile transmitter that transmits mobile related information having one or more second settlement identifiers received by the mobile receiver to the server device;
The payment terminal is
A payment storage unit capable of storing a first payment identifier;
A first payment acquisition unit for acquiring a card identifier from the payment card;
A second payment acquisition unit for acquiring a first payment identifier from the payment storage unit;
A first payment transmission unit that transmits card-related information having the card identifier acquired by the first payment acquisition unit and the first payment identifier acquired by the second payment acquisition unit to the server device;
The server determination unit
One of the first settlement identifier corresponding to the card identifier included in the one or more card related information received by the server receiving unit and one or more second settlement identifier included in the mobile related information received by the server receiving unit. The server device according to claim 1, wherein the payment system determines that payment is valid when payment set information that is a set with a second payment identifier exists in the authentication information storage unit. The server device
A server transmission unit that transmits an instruction to transmit mobile related information to the mobile terminal identified by the mobile identifier corresponding to the card identifier received from the payment terminal;
The portable receiver of the portable terminal is
Receiving an instruction to transmit mobile-related information from the server device;
The portable transmitter is
3. The payment system according to claim 2, wherein the portable receiving unit transmits the received portable related information having the one or more second payment identifiers to the server device in response to the portable receiving unit receiving an instruction to transmit portable related information. Server device. The mobile-related information has a second settlement identifier and a mobile identifier,
The first payment identifier that the card related information has and the second payment identifier that the mobile related information has are payment identifiers that are the same type of information that identifies payment,
A server acquisition unit that acquires a pair of a card identifier and a mobile identifier paired with the same settlement identifier among the one or more card-related information and the one or more mobile-related information received by the server reception unit is further provided. ,
The server determination unit
The server apparatus according to claim 1, wherein authentication information that matches a set of a card identifier and a mobile identifier acquired by the server acquisition unit is present in the authentication information storage unit. The portable terminal is
A portable storage unit capable of storing a portable identifier;
A mobile receiver for receiving a payment identifier from the payment terminal by short-range wireless communication;
A portable transmission unit for transmitting portable related information having the portable identifier of the portable storage unit and the payment identifier received by the portable receiving unit to the server device;
The payment terminal is
A first payment acquisition unit for acquiring a card identifier from the payment card;
A second payment acquisition unit for acquiring a payment identifier;
A first payment transmission unit that transmits card-related information having the card identifier acquired by the first payment acquisition unit and the payment identifier acquired by the second payment acquisition unit to the server device;
The server device according to claim 4, further comprising: a second payment transmission unit configured to transmit the payment identifier acquired by the second payment acquisition unit to the mobile terminal by short-range wireless communication. The portable receiver is
Receiving two or more second payment identifiers from two or more payment terminals by short-range wireless communication;
The portable transmitter is
Transmitting mobile-related information having a mobile identifier stored in the mobile storage unit and two or more settlement identifiers received by the mobile receiving unit to the server device;
The server receiver is
Receiving one or more card related information having a payment identifier and a card identifier, and one or more mobile related information having two or more payment identifiers and a mobile identifier;
The server acquisition unit
Among the one or more card-related information and the one or more mobile-related information received by the server reception unit, the mobile identifier included in the mobile-related information that partially includes the same payment identifier as the payment identifier included in the card-related information; The server device according to claim 5, wherein the card identifier included in the corresponding card related information is acquired. The portable terminal is
A portable storage unit capable of storing a portable identifier;
A portable transmitter that transmits a portable identifier of the portable storage unit to the payment terminal by short-range wireless communication;
The payment terminal is
A first payment acquisition unit for acquiring a card identifier from the payment card;
A second payment acquisition unit for acquiring a payment identifier;
A payment receiver for receiving the mobile identifier from the mobile terminal by short-range wireless communication;
One or more pieces of card related information having the payment identifier acquired by the second payment acquisition unit and the card identifier acquired by the first payment acquisition unit, the payment identifier acquired by the second payment acquisition unit, and the payment receiving unit The server device according to claim 4, wherein the server device is a payment system including a payment transmission unit that transmits one or more mobile-related information including the mobile identifier received by the server to the server device. The portable terminal is
A portable storage unit capable of storing a portable identifier;
A portable receiver that receives the payment identifier and the card identifier from the payment terminal by short-range wireless communication;
Mobile-related information having a mobile identifier stored in the mobile storage unit and a settlement identifier received by the mobile receiver, and a card identifier received by the mobile receiver and a payment identifier received by the mobile receiver A portable transmitter that transmits the card-related information to the server device;
The payment terminal is
A first payment acquisition unit for acquiring a card identifier from the payment card;
A second payment acquisition unit for acquiring a payment identifier;
Claims in a payment system comprising: a payment transmitter that transmits the card identifier acquired by the first payment acquisition unit and the payment identifier acquired by the second payment acquisition unit to the mobile terminal by short-range wireless communication. 4. The server device according to 4. The payment terminal is
The server device according to any one of claims 4 to 8, further comprising a payment identifier generation unit that generates a payment identifier in response to the first payment acquisition unit acquiring the card identifier. An authentication information storage unit capable of storing one or more authentication information that is a set of a card identifier for identifying a payment card and a mobile identifier for identifying a mobile terminal;
A server receiving unit that receives one or more card related information having a first payment identifier for identifying payment and a card identifier, and one or more mobile related information having a second payment identifier for identifying payment;
Server determination for determining whether payment is valid using one or more card-related information, one or more mobile-related information received by the server reception unit, and one or more authentication information of the authentication information storage unit And
A server processing unit that performs processing corresponding to authentication permission only when the server determination unit determines that the payment is valid,
The mobile-related information received by the server receiver is information transmitted by the mobile terminal that has received the second settlement identifier by short-range wireless communication, or the mobile identifier received by the server receiver is short-range from the mobile terminal. A server device that is information transmitted by the settlement terminal received by wireless communication. A portable terminal constituting the settlement system according to any one of claims 2 to 9. The payment terminal which comprises the payment system as described in any one of Claims 2-9.

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