JP3356682B2 - Authentication payment device - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an ID tag, an IC card, and the like, for example, for settlement of fees for entering and exiting a vehicle such as a parking lot, and for settlement of merchandise purchases. The present invention relates to an authentication payment device for performing an electronic payment by using an authentication method.

[0002]

2. Description of the Related Art Conventionally, there is a prepaid card system in electronic bill payment in a parking lot or shopping in a store. In other words, prepare a card that has paid the amount corresponding to the predetermined fee, make payment with that card, that is, subtract the used fee from the remaining amount stored on that card, and store the remaining amount on that card Until the balance becomes zero, the prepaid card can be used to pay the fee.

[0003] Alternatively, in the credit card system, payment is made by showing the credit card, and the amount paid by the credit card is deducted from the account of the credit card holder of a financial institution contracted in advance, and payment is made. Deposit it into the account of the store that received it.

[0004]

In the above-mentioned prepaid card system, if the usage amount permitted for the prepaid card is used, it becomes impossible to make any further payment by the prepaid card, and the prepaid card becomes disposable. Would. In addition, if the prepaid card is lost, the remaining money remaining there cannot be used, resulting in loss. In addition, since there is generally no record of the user (owner) in a prepaid card, anyone can use it. Therefore, there was a risk of being stolen.

[0005] On the other hand, in the credit card system, screening and procedures for enrollment are strict, and a credit card cannot be easily obtained. An object of the present invention is to obtain an ID tag easily without requiring complicated procedures and strict examination, and is not limited to a predetermined fee, and is repeatedly used, for example, by paying an additional fee. It is an object of the present invention to provide an authentication and settlement device which does not waste ID tags.

[0006]

According to the present invention, the fee is paid to the fee settlement means, and when the fee is paid, and when the issuance request is issued, the ID tag having the unique authentication ID is issued. Is issued by ID tag issuing means. The authentication ID and the paid fee, that is, the amount of money, are stored as a set of data in the authentication memory for each ID tag.
On the other hand, when paying a fee using the ID tag,
The authentication ID from the D tag is received by the receiving means, the received authentication ID is authenticated by the authentication means with reference to the authentication memory, and if the authentication is passed, a set of corresponding data is settled. Forwarded to the means. Payment processing is performed on the transferred data by the payment processing means. The set of data is transferred to the financial institution, and the settled data is transferred to the financial institution, so that the financial institution deducts the used fee from the amount of the authentication ID and charges the fee. It becomes possible to transfer to the account of the settlement identifier. The fee settlement identifier indicates the authentication and settlement device itself or a place where the device is provided, and is included in the set of data or sent to a financial institution.

[0007]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Next, embodiments of the present invention will be described with reference to the drawings. FIG. 1 shows an example of the functional configuration of the present invention.
The fee settlement unit 11 pays in cash a fee (amount) required when the user issues an ID tag issuance request, that is, a fee such as a parking lot fee or a product purchase fee. This is a functional part that accepts the cash, for example, to input the amount of money that has become insufficient or to pay cash to increase the remaining amount of the ID tag as necessary. The ID tag issuing unit 12 has a function of issuing an ID tag when a user requests issuance of an ID tag and when a condition is satisfied. In this example, I
This is a case where the user inputs a personal identification number through the personal identification number input unit 13 when issuing the D tag.

When a user issues a tag issuance request in the ID tag issuance unit 12, the authentication processing unit 14 accepts the request, and accepts the charge, that is, the amount input by the charge settlement unit 11 at that time. The password input by the unit 13 is accepted and the ID to be issued
An ID for authentication unique to the tag and a place where the authentication and settlement device is provided, that is, a place to settle a fee at an entrance of a vehicle such as a parking lot or a highway, or a store for paying the purchase price of a product. Is stored in the authentication memory 15.

That is, as shown in FIG. 1B, for example, in response to a request for issuing an authentication ID tag of user A, the authentication memory 15 stores an authentication ID unique to the user A ID tag and the ID tag. The charge settlement identifier of the issued authentication settlement device, the password entered by the user A, and the user A
Is stored in the fee settlement unit 11 as a set of data. Similarly, when the user B requests the issuance of the ID tag, the authentication ID of the ID tag of the user B, the identifier for the charge adjustment of the place, the password of the user B, and the amount of money paid by the user B are equal to one another. It is stored as a set of data. After such storage, an ID tag is issued to the user A, and the ID tag internally holds the unique authentication ID.

To make a payment using an ID tag, an ID for authentication of the ID tag is transmitted from the ID tag transmitter 16 by radio waves,
It is transmitted by light or the like, and the ID
D is received. Alternatively, when the ID tag is inserted into the ID receiver 17, the ID for authentication is electrically or magnetically provided.
It is made to read. The received authentication ID is authenticated by the authentication processing unit 14 in the authentication memory 15 as to whether the authentication ID is stored. If the authentication ID is stored, a set of data including the authentication ID is settled as payment data. Transfer to unit 18. The payment processing unit 18 also has a so-called money registration processing function, in which a fee to be paid and other data are input. Therefore, the data received from the authentication processing unit 14 and the fee to be paid are used as the payment processing data in the payment data memory 1.
9 and is sent to a financial institution via transmission means such as a modem.

Next, issuance of an ID tag and payment by the ID tag will be further described with the configuration shown in FIG. 1A.
The user issues an ID tag issuance request from the ID tag issuance unit 12 (S1), inputs the amount of the issued ID tag in cash into the fee settlement unit 11, and the fee settlement unit 11 receives the fee of the amount. This is confirmed and received (S2). The user operates the personal identification number input unit 13 to input the personal identification number (S3).

The issuance request from the ID tag issuing unit 12, the amount received from the fee settlement unit 11, and the password input from the password input unit 13 are used for the authentication processing unit 14.
The authentication ID unique to the ID tag issued by the authentication processing unit 14, a charge settlement identifier indicating a place where the authentication and settlement device is installed, the input password, and the amount of money. Authentication memory 1 as a set of data
5 (S4), and the ID tag having the unique authentication ID issued to the user A is stored in the ID tag issuing unit 12
(S5), and the authentication ID of the user A,
A set of data for the fee settlement identifier, the password of the user A, and the amount of the deposit is transmitted through the settlement processing unit 18 and further by the modem 21 to a contracted financial institution such as a corporation or a store provided with the authentication settlement apparatus (amount of money). ).
The financial institution that has received this set of data manages the set of data using the authentication ID of the user A as a key (S6).

Next, in the case where the user A performs fee settlement using the issued ID tag, the user A attaches the ID tag to the ID tag transmitter 16 and transmits an authentication ID (S1). The authentication ID is received by the receiver 17, and the authentication processing unit 14 checks whether or not the authentication ID is stored in the authentication memory 15 (S2). A set of data of an authentication ID, a charge settlement identifier, a password, and a deposit amount is transferred to the settlement processing unit 18 (S
3).

As described above, the settlement processing unit 18 has a money registering function, and the user A inputs necessary data such as the price of the product purchased there, the product name, the date and time, and the like. Based on this data, the payment processing is performed on a set of data sent from the authentication processing unit 14 (S
4). In other words, deduct the usage fee from the deposit amount,
The balance, the authentication ID, the personal identification number, the payment amount as required, and the other usage fee payment data are stored in the payment data memory 19 (S5). Further, the authentication ID, the fee settlement identifier, the password, the deposit amount, and the usage fee (the deposit amount may be omitted) are transmitted to the financial institution through the modem 21 (S6). The financial institution uses the authentication ID and the password of the received data as keys and searches for the data from the previously stored data, that is, the data for user A, and searches for the amount of deposit in the data of user A. The payment amount is deducted, and the payment amount is transferred to the account corresponding to the fee settlement identifier. Since the fee settlement identifier is necessary for the transfer to this account, the payment data or the like may be sent to the financial institution without being stored in the authentication memory unit 15 in step S6.

When the balance is insufficient for the payment request in the settlement processing unit 18, that is, the deposit amount (remaining amount)
If the payment amount is larger, or if you refer to the payment data memory and find out how much balance is left,
On the other hand, if the payment fee is exceeded, notify the user with a display or voice synthesizer,
As a result, when the additional charge is input to the charge settlement unit 11, the additional charge is supplied to the settlement processing unit 18 via the authentication processing unit 14, whereby the required settlement is performed. That is, the problem of shortage of fee is solved.

The user A causes the ID transmitter 16 to transmit the ID for authentication of the ID tag, if necessary, not only in the case of such a shortage of the fee payment.
When cash is inserted into the unit 1, the amount of deposit in the authentication processing unit 14 corresponding to the authentication ID of the transmitted ID tag in the authentication memory unit 15, that is, the remaining amount increases by the amount of input cash. Is done. If the security is not so important, the password input unit 13 can be omitted.

The various processes described above can also be performed by reading a program by a computer and executing it.

[0018]

As described above, according to the present invention, if this authentication settlement apparatus is provided at a place where a fee is to be paid, an ID tag is issued there.
Thereby, payment can be made by the ID tag. In other words, it is possible to easily obtain an ID tag without requiring qualification examination or date and time for issuing the ID tag. In addition, in the payment of the ID tag, the account is managed by the financial institution at the ID number and, if necessary, the password, and payment, payment, and balance processing are performed. Not only can the payment be made within the initial deposit amount, but also a charge can be added, and it can be used repeatedly rather than disposable.

When a password is used, only the authentication ID is stored in the ID tag. Therefore, if the owner loses the ID tag, the ID number and, if necessary, the ID number are stored. By submitting the manufacturing serial number attached to the outside of the tag to the financial institution, unauthorized use by the lost ID tag can be prevented, and no money is lost.

[Brief description of the drawings]

FIG. 1A is a functional configuration diagram showing an embodiment of the present invention, and FIG. 1B is a diagram showing a storage example of an authentication memory thereof.

FIG. 2A is a diagram showing a processing procedure when an ID is issued, and FIG.
It is a figure showing the processing procedure which performs payment by a tag.

────────────────────────────────────────────────── ─── Continuation of front page (56) References JP-A-5-307559 (JP, A) JP-A-2-213995 (JP, A) JP-A-3-266095 (JP, A) JP-A 8- 147361 (JP, A) JP-A-11-282911 (JP, A) (58) Fields investigated (Int. Cl. ⁷ , DB name) G07G 1/12 G06F 17/60

Claims (1)

(57) [Claims] Claims: 1. A charge calculating means for receiving a paid charge, and an ID tag for issuing an ID tag having only a unique authentication ID when an issuance request is input and the charge calculating means is paid. Issuing means, password input means for inputting a password, and, for each issued ID tag, the authentication ID, the amount of the paid fee, the entered password and the fee.
An authentication memory that stores a charge settlement identifier indicating a place where payment is to be made as a set of data; an ID receiving unit that receives the authentication ID from the ID tag; Authentication means for referring to the memory for authentication, means for transferring a corresponding set of data to the settlement processing means when the authentication of the authentication means is passed, and settlement by performing fee settlement on the transferred data Payment processing means for creating payment data; payment data storage means for storing the payment data ; a set of data and data processed by the payment processing means.
Means for transferring the data to a financial institution .