JP3507315B2 - Authentication payment device - Google Patents

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention shows a user's identification information to a user institution such as a store by using, for example, an authentication (credit) card, and the account of the user's financial institution through the credit card issuing company. More particularly, the present invention relates to an authentication and settlement apparatus that authenticates the identification information of the user when paying for shopping for the store and makes the settlement.

[0002]

2. Description of the Related Art Conventionally, authentication identification information and settlement identification information have been matched. In other words, when a user uses a credit card to shop at a store, he / she installs the credit card of the credit company (institution) owned by the user and handled by the store on the terminal of the credit company of the store, Authenticate that the identification information (hereinafter referred to as ID) of the user of the credit card is correct, and send the payment information as payment information together with the purchase amount (amount to be paid) using the authenticated ID. ,
We are making payment. In other words, the user or I
D was the same as the ID at the time of authentication.

[0003]

In the past, the ID for authentication and the ID for payment are the same, and therefore, not all credit companies that handle credit cards are used in user organizations that require various payments such as in shops and parking lots. In many cases, only some credit companies are used, and users often use multiple financial institutions and credit companies. Due to such a relationship, the user needs to carry a plurality of credit cards, that is, a plurality of IDs are used, and it becomes a burden to carry a large number of credit cards at all times.
Further, it is inconvenient and inconvenient to distinguish a plurality of IDs and input them into a terminal of a store, for example.

[0004]

According to the invention of claim 1, provided in a user organization such as a store, the correspondence between the authentication ID of each user and the payment ID is stored in the authentication / settlement ID memory. When the authentication ID is stored and received from the user, the memory is referred to obtain the payment ID corresponding to the authentication ID, and the payment information such as payment information at that time is settled by the payment institution. Sent to.

According to the second aspect of the present invention, for example, the authentication ID of the user and the relationship between the identification data of the user organization and the payment ID are stored in the authentication / settlement ID memory and provided for authentication. When the ID and the identification data of the user's institution are received, the settlement ID corresponding to the reception authentication ID and the user's identification data is obtained by referring to the authentication / settlement ID memory, and the settlement ID is received. The payment information such as the payment information is sent to the payment institution.

The authentication ID, identification data, and payment I
D includes an employee number, a name, a member number in a membership club, etc. for use within the company, and an account number in the case of bank settlement.

[0007]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1A shows an embodiment of the invention of claim 1. As a premise for this, user organizations such as shops and parking lots pre-issue common authentication IDA, IDB, IDC ... For each user A, B, C, ... The institution has the user's authentication ID
And the payment ID of the credit company used for payment at the institution. When a user makes a contract with a credit company, the user authentication ID and the payment ID are sent to each user institution used by the user in advance.

An authentication / settlement ID memory 11 is provided. For example, for user A's authentication IDA, the company a's payment IDaa is used, and for user B's authentication IDB, the company b's payment is used. Each IDbb is stored. When the user A purchases at a store and pays by credit, for example, the transmitting unit 12 possessed by the user A is used for authentication I.
The DA is transmitted to the receiving unit 13 of the authentication and settlement apparatus. The transmitting unit 12 stores the IDA for authentication of the user, and the transmitting unit 12 is handed to the user A in advance. The transmission is performed by wireless transmission of a current source, radio wave, or the like, when the pre-stored authentication IDA is automatically transmitted by, for example, a start switch, or when a magnetic card is attached to the terminal, the recorded authentication is performed. There is a case where the IDA for use is read and received.

The authentication IDA received by the receiving unit 13 refers to the authentication IDA and the authentication ID of the authentication / settlement ID memory 11 in the authentication processing unit 14, and if there is a matching authentication ID, the authentication IDA is authenticated. Payment ID for company a with respect to business IDA
It reads out aa and sends the authentication IDA and the payment IDaa to the payment processing unit 15. The payment processing unit 15 receives the authentication IDA, the payment IDaa, and information to be paid by the user from the cash register 16 to the user institution such as the amount to be paid and the date (hereinafter referred to as payment information). ) Is recorded in the payment data memory 17, and the payment information is transmitted to the financial institution through the communication network by the transmission unit 18 such as a modem .

Similarly, when the user C uses the institution, the authentication IDC, the settlement IDcc for the company c and the use settlement information at that time are recorded in the settlement data memory 17 and sent to the financial institution. Sent. Different credit institutions can use different credit companies according to the convenience of the user. As shown in, for example, FIG. 1B, the authentication / settlement ID memory 11 stores the payment IDab of the company b for the user A in the ID of the other company, and the user B stores the IDab for payment in the IDB. On the other hand, the settlement ID bb of the company b is stored, and the user C sets the settlement ID of the company a for the IDC.
ca is stored.

As described above, the user can settle with the credits of a plurality of credit companies only by having one authentication ID. An authentication / settlement ID memory can be provided in the center. An example thereof is shown in FIG. 2 with the same reference numerals attached to the portions corresponding to FIG. In this case, in the user organization 21, the user A receives the authentication IDA from the transmitter 12 and the receiver 13
And the received IDA, the payment information of the user at that time from the cash register 16 and the identification data b of the user's institution 21 are sent by the transmitting unit 22 to the authentication settlement provided in the center through the communication network 23. To the device 24. The authentication settlement device 24 of the center is the user organization 2 received by the receiving unit 25.
The information from No. 1 is received, and the authentication / settlement ID memory 11 is searched by the authentication IDA and the user institution identification data received by the authentication processing unit 14.

In the authentication / settlement device 24 of this center, the authentication / settlement ID memory 11 has an ID for each user authentication.
The identification data of each institution used by the user and the user settlement ID of the credit company used for each institution are stored for each. For example, for IDA, a company's payment IDaa for a store, b company's payment IDab for a store, and c for a parking lot.
The payment IDacs of the companies are stored respectively. IDB
For both a store and a store, b
The company's payment IDbb may be registered and stored.

When the authentication ID of the received information is IDA and the store has no user institution identification data, IDab which is the settlement ID of the company b is taken out. The authentication processing unit 14 extracts the I
The Dab, the IDA, the settlement information, and the user institution identification data received from the user institution 21 are sent to the settlement processing unit 15, and the settlement processing unit 15 records the received information in the settlement data memory 17 and also from the transmitting unit 18 to the financial institution. Send to.

FIG. 3 shows still another embodiment of the present invention,
The parts corresponding to those in FIGS. 1 and 2 are designated by the same reference numerals. This is the authentication / settlement ID memory 11 shown in FIG.
When the user organization 21 receives the authentication ID, the transmitter / receiver 28 transmits the authentication ID and the identification data of the user organization to the center 29 through the communication network. At the center 29, the authentication processing unit 14 uses the authentication ID from the user institution 21 received by the transmitter / receiver 31 and the user institution identification data to store the authentication / settlement ID memory 11 (similar to that in FIG. 2). The corresponding settlement ID is retrieved and retrieved, and is transmitted from the transmission / reception unit 31 to the user institution 21. User organization 21
Is the settlement ID received by the transmitting / receiving unit 28 and the receiving unit 1 first.
The authentication ID received in step 3 and the payment information from the cash register 16 are sent to the payment processing unit 15, and the payment processing unit 15 records these in the payment data memory 17 and at the same time, the transmission unit 1
8 to the financial institution.

In the above, the payment ID and the payment information may be sent to the financial institution, and the transmission of the authentication ID may be omitted.

[0016]

As described above, according to the present invention, a user can use a plurality of credit companies with which he / she has a contract by using only one authentication ID. It is not necessary to have an ID, and payment credit companies can be distinguished for each institution.

According to the embodiment shown in FIG. 1, for each user, for each user institution, payment I
When it is necessary to register D and there are many users, or when it is newly used, or when the credit company used is changed, the number of registration and change operations is large, but the embodiment shown in FIG. 2 and FIG. Then, it is sufficient to register and change only the authentication / settlement ID memory of the center.

On the other hand, in the embodiment shown in FIG. 2, all the processing is performed in response to the request from each user organization, and therefore the processing load of the center is heavy because it is performed only by the center, but in the embodiment shown in FIG. There is nothing. The advantages of the embodiments shown in FIGS. 1 and 2 shown in FIG. 3 are obtained.

[Brief description of drawings]

FIG. 1 is a block diagram showing a functional configuration of an embodiment of the present invention, and B is a diagram showing another storage example of the authentication / settlement ID memory.

FIG. 2 is a block diagram showing a functional configuration of another embodiment of the present invention.

FIG. 3 is a block diagram showing a functional configuration of still another embodiment of the present invention.

─────────────────────────────────────────────────── ─── Continuation of front page (56) Reference JP-A-5-120306 (JP, A) (58) Fields investigated (Int.Cl. ⁷ , DB name) G07F 7/08 G06F 17/60

Claims (3)

(57) [Claims] Claims: 1. Authentication identification information common to each user's institution and payment identification information used for payment at that user's institution are stored in a one-to-one relationship. An authentication / settlement ID memory, a receiving means for receiving the user's authentication identification information, and a means for referring to the authentication / settlement ID memory to obtain settlement identification information corresponding to the received authentication identification information. An authentication payment apparatus comprising the payment identification information and a means for sending the payment information for the user to a payment institution. 2. A common authentication identification information to each institute of the user, and identification data of interest for engine use the user, in its institutes of the user corresponding to these two
An authentication / settlement ID memory in which the relationship with the settlement identification information used for the payment is stored, a receiving means for receiving the user identification information, the user institution identification data, and the settlement information for the user, A means for obtaining the settlement identification information corresponding to the received identification information for identification and the identification data of the user institution by referring to the authentication / settlement ID memory, and the settlement identification information and the received settlement information to the settlement institution. An authentication and settlement apparatus comprising means for transmitting. 3. An authentication identification information common to each user 's institution, identification data of the user's institution, and each payment identification information corresponding to both of them for payment at the user's institution. When the user authentication identification information is received by the authentication / settlement ID memory storing the relationship between the user and the receiver in the user organization, the authentication identification information and the user institution identification data are used for the above-mentioned authentication / settlement. Means for transmitting to the ID memory, means for obtaining the payment identification information corresponding to the received authentication identification information and user institution identification data by referring to the authentication / payment ID memory, and the obtained payment information. An authentication settlement apparatus comprising: a means for transmitting to the user institution; and a means for transmitting, when the user institution receives the settlement information, the settlement identification information and the settlement information for the user to the settlement institution.