JP2003216878A - Cardless e-commerce system - Google Patents

Abstract

(57) [Summary] [PROBLEMS] To provide a more secure settlement system that enables shopping with a portable terminal that has been authenticated by the user instead of a credit card or the like at the time of shopping. When shopping, instead of a card such as a credit card, another person is settled by performing personal authentication settlement using a portable terminal storing unique information such as a face shape, fingerprint, eyes (iris), and voiceprint. An e-commerce system that prevents impersonation and allows users to make more secure shopping when purchasing products and services.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic authentication settlement method that enables shopping instead of a credit card when using shopping.

[0002]

2. Description of the Related Art A cashless payment method using a card such as a credit card has been generalized when purchasing products or receiving services at stores (department stores, convenience stores, etc.). The conventional card payment method is
The card user must make a contract with the credit company in advance to obtain and own the card. When a card user purchases a product or receives a service, in the case of over-the-counter shopping at a card member store, the card is submitted, and the card user's name is signed to confirm the identity. By transferring the information data recorded on the card to the credit company, credit of the validity of the card is given, and a receipt is issued to the card user to complete the settlement.

In the case of shopping through a network such as the Internet, an information device such as Pancon is used to input and transmit an ID number of a card, and the transmitted information data is used to make a financial institution such as a credit company. Credits and completes the settlement. When receiving services such as automatic cash withdrawal, insert the card into the automatic cash withdrawal device and enter the password to verify your identity and then bring it with the information data recorded on the card. Credit and complete payment.

[0004]

In the credit and settlement method using such a card, the card user authenticates himself only by signing his / her name or the card ID number and password as described above. Since the credit and settlement are done, if the card is obtained by someone else due to loss, etc., the data contents (ID number, account number, name, date of birth, validity of card) recorded on this magnetic card There is a high risk of unauthorized use due to the fact that the expiration date) is read, the code number is leaked to others, and the signature is imitated. Also,
Although the card can be carried and used easily, it can be damaged or forged,
There is also a risk of duplication. In addition, the method of purchasing a product or receiving a service using a card has the inconvenience of making a mobile card bulky, forgetting to carry the card, forgetting a recitation number, or the like.

The present invention focuses on the above-mentioned problems, and by providing an accurate personal authentication and a secure credit and settlement method even without a card such as a credit card, a product can be obtained from anywhere, anytime at any time. You can purchase and receive services.

[0006]

In order to achieve the above-mentioned object, when a user purchases a product or receives a service, a personal digital assistant such as a mobile phone is used as a settlement means for personal identification of the present invention. By authenticating the authentication data (face shape, fingerprint, eye (iris), voiceprint, etc.) of the person stored in the storage device in advance with the input unique data, it is possible to authenticate the person with high safety. Also, by distributing the personal authentication data (face, fingerprint, eye (iris), voiceprint, etc.) information to each user's mobile terminal such as mobile phone, unique data is stored in the database of financial institutions such as credit companies. Since the information is not concentrated, hackers can avoid attacks and other problems, and the problems can be solved.

As a method of collating with unique data, user's history information (balance of bank account, overdue status such as payment delay, limit of usage, etc.) is registered in advance at a financial institution such as a credit company. I'll do it.

[0008] The history information (such as the balance of the bank account, the overdue status such as whether payment is delayed, the maximum amount of use, etc.) managed by the financial institution such as the credit company of the user is collated and applied to the history information. If it does not exist, it authenticates, and if it applies to the history information, it sends to the personal authentication mobile terminal the protect data that prevents financial institutions such as credit companies from shopping via the network, depending on the situation where credit cannot be provided. And make shopping impossible.

Therefore, by providing a function for preventing the user from shopping more than necessary, the user can be warned because the user cannot carry out excessive shopping beyond the limit. Solve by being able to do it.

In order to store the authentication data of the person in the portable terminal, a portable terminal having a unique data input function (input device such as a camera, payment information such as credit card No. and input setting program of personal information such as name) The solution is to store it directly in the terminal. The problem is solved by storing in a storage device (memory stick or the like) of a device (such as a personal computer) having an input function, and mounting this storage device in a mobile terminal.

[0011] By using the above method, it is possible to make a payment for personal authentication with a mobile terminal and purchase a product or receive a service without a credit card.

[0012]

DETAILED DESCRIPTION OF THE INVENTION The present invention will be described below with reference to the drawings.

FIG. 1 is a diagram showing the overall configuration of an embodiment of the present invention. The user presents the necessary items (address, name, mobile number, financial institution account or credit card number) when contracting for a mobile terminal such as a mobile phone or when contracting for the cardless electronic commerce service of the present invention. Fill out. At this point, set up to authenticate the person and to transfer to the financial institution if the financial institution account is entered in the required items and to the credit company if the credit card number is entered. Keep it. A financial institution such as a credit company performs credit and user registration based on the transferred user data.

Then, as the unique data registration for carrying out the cardless electronic commerce, the unique data which is the proof of the principal is inputted by using the authentication function program 11 (application program). The unique data is data in which unique information (face shape, fingerprint, eye (iris), voiceprint, etc.) that is a proof of the person is read by the camera 12a, a fingerprint reading device, or the like and stored. As a result, the collation data has proof that the person is the person. It is determined whether or not the person is the person on the portable terminal when using the collation data and the present invention, and the person is authenticated. If the person himself / herself, the data is transferred from the mobile terminal to the merchandise store. The transfer data is personal authentication data (face, fingerprint, etc.) and mobile number.

Then, the merchandise store adds the purchased merchandise name and the billing amount to the data and sends it to a financial institution such as a credit company. A financial institution such as a credit company that receives the data credits whether or not the user can make payment. If payment is possible, the payment procedure for debiting the purchased product will be performed, and then the product store will send the product purchased by the user or deliver the product. When payment is not possible, the data indicating that shopping is not possible is transmitted to the merchandise store and a mobile terminal such as a mobile phone, and protection is provided according to the credit unavailability so that the mobile terminal such as a mobile phone cannot shop.

FIG. 2 is an internal block diagram of the portable terminal. Unique data (face, fingerprint, fingerprint,
Input eyes (iris), voiceprint, etc. The detection unit collates the unique data (face shape, fingerprint, eye (iris), voiceprint, etc.) registered in advance in the storage device of the mobile terminal such as a mobile phone with the data of the input unit. The determination unit determines whether the input data matches the already registered unique data (face shape, fingerprint, eye (iris), voiceprint, etc.). In the result section, the input data is compared with the already registered unique data (face shape, fingerprint, eye (iris), voiceprint, etc.), and if they match, the person is recognized, shopping is possible, and payment can be made. If the person cannot be recognized or cannot be detected, display the error message “Cannot be accepted. Please try again.” And try again.

FIG. 3 shows the procedure from the input by the user himself to the delivery or delivery of the product. After selecting the desired product, the user authenticates whether or not he / she is the authenticating device (built-in camera, fingerprint reader, etc.) of a mobile terminal such as a mobile phone.
Then, the unique data (face shape, fingerprint, eye (iris), voiceprint, etc.) that is the proof of the person is input. An authentication function program of a mobile terminal such as a mobile phone collates the registered collation data with the input unique data in advance to determine whether or not the user is the user himself / herself. If the user is the user himself, he / she will accept the merchandise store (member store). If the user is not the user himself / herself, the error message "Cannot accept. Please enter again." Is displayed and acceptance is possible depending on the credit Do not allow

Next, the user is authenticated as himself / herself, and after acceptance, whether settlement is possible or not is credited at a financial institution such as a credit company. In the case of non-payment, the shopping prohibition data is transmitted, and protection is provided according to the non-credit so that shopping cannot be performed from a mobile terminal such as a mobile phone. After credit,
The merchandise store sends or delivers the merchandise, and a financial institution such as a credit company deducts the charge of the merchandise from the user's account and pays the merchandise store.

FIG. 4 shows a method of registering the user's own data in the mobile terminal. This is a method of directly registering to a mobile terminal using a device (personal computer, etc.) having a unique data input function (input device such as camera, payment information such as credit card No. and authentication setting program for personal information such as name). .
The user inputs unique data (face shape, fingerprint, eye (iris), voiceprint, etc.) to the unique information input device. Necessary information Input the data of the required items (name, financial account number or credit card number, mobile phone number, etc.) into a personal computer with an authentication setting program. Then, by connecting the mobile terminal such as a mobile phone to a device such as a personal computer with an authentication setting program, the above-mentioned unique data and the data of the required items document entry,
The input setting data is transferred to a mobile terminal such as a mobile phone.

FIG. 5 shows a storage device using a device (personal computer, etc.) having a unique data input function (input device such as camera, input setting program for payment information such as credit card No and personal information such as name). This is a method of registering the storage device (such as a memory stick) and mounting this storage device in a mobile terminal.
The user inputs unique data (face shape, fingerprint, eye (iris), voiceprint, etc.) to the unique information input device. Necessary information Input the data of the required items (name, financial account number or credit card number, mobile phone number, etc.) into a personal computer with an authentication setting program. Then, the above-mentioned unique data and the data of the required item entry items are recorded in a storage device (memory stick or the like) attached to a device such as a personal computer with an authentication setting program. Then, the recorded storage device (memory stick or the like) is taken out and attached to a mobile terminal such as a telephone.

FIG. 6 shows a user specific information input device. The user's unique information is input by using a camera to photograph a face, eyes, mouth, etc., and a fingerprint reading device to photograph a fingerprint to store unique data (face shape, fingerprint, eye (iris), voiceprint, etc.).

FIG. 7 shows an authentication setting information device (personal computer, etc.)
Indicates. The user's unique information can be input with the camera using face, eyes,
It is used for a device that records a mouth, etc., a fingerprint is read by a fingerprint reading device, and stores unique data (face shape, fingerprint, eye (iris), voiceprint, etc.).

FIG. 8 shows an authentication setting information device (personal computer, etc.)
The user's unique information is input to a removable storage device (memory stick or the like). The user's unique information can be input by using the camera to capture the face, eyes, mouth, etc., and the fingerprint reading device to capture the unique data (face shape, fingerprint, eye (iris),
It is used for a device for storing voiceprints.

[0024]

From the above description, it is necessary to carry a card such as a credit card in shopping with a conventional card, and if several cards are held, the card becomes bulky, and the personal identification number cannot be forgotten. Yes, it is inconvenient. There is also a risk of loss or theft, and it may be misused by others.

In order to solve the inconvenience and misuse by others, a mobile terminal such as a mobile phone is used as a personal authentication tool in place of a card such as a credit card, and the network can be used anytime, anywhere without a card. It is a highly convenient electronic commerce system that allows users to shop via.

When the user cannot use the cardless electronic commerce service, the personal authentication portable terminal is provided to the user with the protect data that the financial institution such as the credit company cannot shop through the network. It is a highly convenient e-commerce system that can be sent to and quickly protected.

[Brief description of drawings]

FIG. 1 is an overall configuration according to an embodiment of the present invention.

FIG. 2 is an internal block diagram of a mobile terminal.

[Figure 3] Procedure from user input to product delivery or delivery

[Fig. 4] Procedure for directly registering user-specific data to a mobile terminal

FIG. 5: Procedure for registering user-specific data in a removable storage device (memory stick, etc.) and mounting this storage device in a mobile terminal

FIG. 6 is a user specific information input device.

[Figure 7] Authentication setting information device

[Figure 8] Authentication setting information device

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Claims (5)

[Claims] 1. When shopping with a card such as a credit card, the personal authentication at the time of payment is not performed with the credit card, but is performed with a mobile terminal provided with an authentication function of the person to prevent another person from impersonating the person. Cardless e-commerce system. 2. As a method of authenticating a person, the unique data (face, fingerprint, eye (iris), voiceprint, etc.), which is the proof of the person, is registered in a mobile terminal having an authentication function program (application program). Every time you want to purchase a product or receive a service, enter the unique data into the input device (camera, fingerprint reader, etc.) attached to the mobile terminal, and collate this input data with the data registered in advance. In addition to discriminating whether or not the person is a person, a unique data input function (input device such as a camera, payment information such as a credit card No and personal information input setting program such as name) is provided as a method of registering the unique data. Using a device (such as a personal computer) that directly transfers the unique data to the mobile device and a device (device such as a memory stick) that has a unique data input function. May be registered, taking a method for attaching the storage device in the portable terminal, the card-less electronic commerce system, characterized in that authentication by the mobile terminal. 3. A cardless electronic commerce system in which a mobile terminal such as a mobile phone is used as a personal authentication tool in place of a credit card, and products can be purchased at any time, anywhere from the Internet shopping or member stores via a network. 4. A cardless electronic transaction for cardless electronic commerce by providing an authentication function program (application program) to a member store (merchandise sales company, credit company, etc.) or a terminal with a personal authentication function program. Commerce system. 5. When the user cannot use the cardless electronic commerce service,
A cardless electronic commerce system that disables shopping by sending protected data that prevents financial institutions such as credit companies from shopping over the network to the personal authentication mobile terminal, depending on the situation where credit cannot be provided.