JP6149488B2 - Payment system - Google Patents

Description

The present invention relates to settlement system.

  2. Description of the Related Art Conventionally, electronic payment transactions performed based on information recorded on a plurality of types of payment media such as credit cards, david cards, and electronic money cards instead of cash have been widely used. For example, as a technique for performing an electronic payment transaction using such a payment medium, a technique as described in Patent Document 1 below is provided.

  Patent Document 1 describes a configuration in which settlement processing is performed using an IC card (20) mounted on a mobile phone (10). The IC card (20) stores a delivery information mediation application (22) in which a PIN (pin) necessary for proceeding with the settlement process is stored. When the user inputs a PIN from the mobile phone (10), the PIN stored in the delivery information brokerage application (22) is read out and sent to the external reader / writer (30) for settlement processing. It is like that.

JP 2005-174215 A

  By the way, in an electronic payment transaction, when performing a payment process, as in Patent Document 1 described above, a PIN called a PIN (pin) may be input. It is standardized that this password is encrypted by a predetermined encryption method and transmitted to a host device such as a POS (Point of Sales) register. In this encryption method, there is a fact that a method is defined for each type of payment medium, and it is necessary to provide a dedicated pin pad according to the type of each payment medium. Therefore, when performing payment processing for multiple types of payment media using a single payment system, multiple dedicated pin pads must be provided for each type of payment media, reducing installation space and installation costs. From the aspect, a simpler configuration has been demanded.

The present invention has been made to solve the above problems, and an object thereof is to provide a settlement system capable of performing payments transactions of a plurality of payment medium with a simple structure.

The present invention
A payment system that can perform payment processing of multiple types of payment media,
A reading unit capable of reading payment data recorded on the payment medium;
A pin pad capable of inputting predetermined input information;
A payment terminal configured to be connected to the pin pad and capable of acquiring input information input by the pin pad;
A host device configured by a device having an information processing function, and performing a settlement process of the settlement medium based on the settlement data and the input information,
The host device is
An upper communication unit capable of communicating with the payment terminal and the reading unit;
A selection unit capable of selecting the payment medium;
A settlement processing unit that performs a settlement process of the settlement medium based on the settlement data and the input information;
Have
The payment terminal is:
A type acquisition unit for acquiring the type of the settlement medium selected by the selection unit of the host device;
A storage unit for storing a program capable of executing data processing at the time of pin pad input corresponding to each type of the plurality of types of payment media;
In the case where the type of the payment medium is acquired by the type acquisition unit, when the input information is input through the pin pad, the type acquisition unit acquires the type based on the program stored in the storage unit. A process execution unit for performing the data processing corresponding to the type of the settlement medium for the input information;
When the data processing is performed on the input information by the processing execution unit, a communication unit that transmits data obtained by the data processing to the host device;
It is characterized by having.

  According to the first aspect of the present invention, a program capable of executing data processing at the time of pin pad input corresponding to each type of a plurality of types of settlement media to be settled is stored in advance in the storage unit of the settlement terminal. When input information (for example, a password) is input through the pin pad, the processing execution unit of the payment terminal performs data processing corresponding to the type of payment medium to be settled on the input information. The processed data is transmitted to a host device (for example, a POS register). In this way, since the data processing corresponding to each payment medium is executed on the payment terminal side, only the minimum necessary functions (input section such as input keys) are provided on the pin pad side. That's fine. In addition, one pin pad can function as a dedicated pin pad corresponding to each settlement medium. For this reason, it is not necessary to provide a pin pad for each type of payment medium, and it is possible to perform payment transactions for a plurality of types of payment medium with a simple configuration. Further, even if the types of settlement media to be settled increase, it is possible to easily cope with this by simply adding a program corresponding to the settlement medium to the storage unit of the settlement terminal without increasing the number of pin pads.

FIG. 1 is an explanatory diagram schematically illustrating the configuration of the payment system according to the first embodiment. FIG. 2 is a block diagram schematically illustrating the configuration of the payment system according to the first embodiment. FIG. 3 is a block diagram illustrating an electrical configuration of the electronic money card. FIG. 4 is a flowchart illustrating the flow of a payment process performed in the payment system according to the first embodiment. FIG. 5 is a diagram for explaining communication methods, encryption standards, and security standards defined for each type of payment medium.

[First embodiment]
Hereinafter, a first embodiment embodying the present invention will be described with reference to the drawings.
(overall structure)
The payment system 1 shown in FIG. 1 is configured as a system that can read a plurality of types of payment media and can perform payment processing using each payment medium. As shown in FIG. 1, the payment system 1 includes a host device 2, and the host device 2 includes a credit card reader 50 that functions as a device that reads a first type medium, and a device that reads a second type medium. Are connected to an electronic money payment terminal 10 that functions as a magnetic card reader 40 that functions as a device that reads a third type of medium. Further, a pin pad 30 to be described later is connected to the electronic money payment terminal 10, and information can be input from the pin pad 30 to the electronic money payment terminal 10. The credit card reader 50, the electronic money payment terminal 10, and the magnetic card reader 40 are configured to be able to read payment data (such as a card number) recorded on a payment medium, and correspond to an example of a “reading unit”. To do.

  The host device 2 is configured as a POS register equipped with an information processing device (device having an information processing function) such as a computer. As shown in FIG. 2, the host device is an input capable of inputting information such as a product price by a control unit 3 configured as a CPU and the like and a known input device (operation button, keyboard, numeric keypad, code reader, etc.). Unit 4, a display unit 5 configured as a known display device such as a liquid crystal display, a storage unit 6 configured by a known storage medium (various semiconductor memories such as ROM, RAM, and nonvolatile memory), And a communication unit 7 configured as a communication interface for performing wireless communication and wired communication with an external device. The host device 2 configured as described above is configured to be able to acquire information read by the connected credit card reader 50, electronic money settlement terminal 10, and magnetic card reader 40. Information from each terminal Payment processing is performed based on the above.

  The host device 2 is configured to communicate with an unillustrated electronic money center (a server such as a payment management company) via a communication network such as the Internet or a LAN. Then, the host device 2 receives information on a payment medium (payment data such as a card number) read by a terminal (credit card reader 50, electronic money settlement terminal 10, magnetic card reader 40) connected to the host device 2. Based on the information input from the pin pad 30 (for example, a pin (personal identification number)), the settlement processing of the settlement medium is performed. Furthermore, the host device 2 is configured so that the payment medium can be selected by the input unit 4 or the like, and information specifying the type of the payment medium selected by the host device 2 is transmitted to the electronic money payment terminal 10 side. It is like that. The communication unit 7 corresponds to an example of “upper side communication unit”. The input unit 4 corresponds to an example of a “selection unit”, and the control unit 3 corresponds to an example of a “settlement processing unit”.

  An electronic money payment terminal (hereinafter also simply referred to as a payment terminal) 10 is basically configured as a known IC card reader / writer, and can communicate when, for example, a processing start request is given from the host device 2. It is configured to be able to communicate with an IC card existing in a certain area. The payment terminal 10 is configured to be able to read, for example, a plurality of types of electronic money cards 20, and can perform payment processing for each type of electronic money card 20.

  As shown in FIG. 2, the payment terminal 10 includes a transmission circuit 11, a reception circuit 12, a control circuit 13, a storage unit 14, an antenna 16, a display unit 18, and the like. Note that the settlement terminal 10 may be provided with an operation unit (such as an operation button) (not shown). The control circuit 13 is responsible for overall control of the payment terminal 10 and is composed of, for example, a microcomputer. The control circuit 13 controls the payment terminal 10 in accordance with a control program stored in the payment terminal 10 in accordance with a command given from the host device 2.

  In the payment terminal 10 shown in FIG. 2, when the transmission data output by the control circuit 13 is encoded by the transmission circuit 11, the carrier wave is further modulated by the encoded data, and the modulated signal is output to the antenna 16. The A resonance capacitor 17 is connected in parallel to the coil constituting the antenna 16, and the modulated signal is transmitted to the outside from the antenna 16 as a radio wave signal. The antenna 16 is connected to the input terminal of the receiving circuit 12, and the radio signal received by the antenna 16 is input to the receiving circuit 12. In the receiving circuit 12, demodulation processing and decoding processing are performed, and the decoded received data is output to the control circuit 13.

  Further, the payment terminal 10 is connected to a pin pad 30 which will be described later, and is configured so that information input through the pin pad 30 can be acquired. The storage unit 14 stores a program (a program corresponding to each medium) described later, and can start each program at the time of settlement on each medium. The contents of the pin pad 30 and the contents of each program will be described later.

  The electronic money card 20 is configured as a known IC card capable of non-contact communication in terms of hardware, and as shown in FIG. 3, an antenna 21, a power circuit 22, a demodulation circuit 23, a control circuit 24, a memory 25, a modulation The circuit 26, the load modulation circuit 27, etc. are comprised. A capacitor 28 is connected to the antenna 21 in parallel. When the electronic money card 20 receives the carrier wave transmitted from the payment terminal 10 via the antenna 21, the power source circuit 22 rectifies the carrier wave to generate an operation power source, and the control circuit 24 configured by a microcomputer and the like. Supply to the components.

  Further, the transmission data from the settlement terminal 10 superimposed on the carrier wave is demodulated by the demodulation circuit 23 and output to the control circuit 24. When the operation circuit is supplied with power and activated, the control circuit 24 receives transmission data from the payment terminal 10 and reads data stored in the memory 25, and writes data when a write command is transmitted. The modulation circuit 26 modulates the subcarrier obtained by dividing the received carrier by response data output from the control circuit 24. A series circuit of a resistor and a switch constituting the load modulation circuit 27 is connected to the antenna 21 in parallel. The carrier wave is load-modulated by turning on / off the switch of the load modulation circuit 27 by the modulated signal of the sub-carrier wave output from the modulation circuit 26, and a response is returned.

  The pin pad 30 connected to the payment terminal 10 is configured as an input device for inputting a pin (for example, a 4-digit number) defined for each payment medium, for example. The pin pad 30 is composed of input keys (not shown) such as numeric keys and function keys arranged in a predetermined arrangement, a display unit (not shown), and the like. And the input information input from this input key is transmitted to the payment terminal 10 side.

  The credit card reader 50 is configured as a known credit card reader, and is connected to the host device 2 as shown in FIG. The credit card reader 50 includes a known magnetic card reader, a known IC card reader, and the like, and can read settlement data recorded on a settlement medium. The read settlement data is transmitted to the host device 2. The credit card reader 50 may be provided integrally with the host device.

  The magnetic card reader 40 is configured as a known debit card reader, and is connected to the host device 2 as shown in FIG. The magnetic card reader 40 has a magnetic head (not shown), and reads the magnetic data written on the magnetic card when the magnetic card (settlement medium) is moved while being pressed against the magnetic head. It is configured. The magnetic card reader 40 may be provided integrally with the host device.

Next, the payment process implemented in the payment system 1 comprised as mentioned above is demonstrated using FIG. Here, a description will be given assuming payment processing performed at the time of purchasing a product at a store or the like. Specifically, a description will be given focusing on processing executed on the settlement terminal 10 side when a predetermined operation is performed via the input unit 4 by a salesperson on the store side.
First, when a user who plans to purchase a product passes the settlement medium held by the user to a salesperson on the store side, the salesperson inputs the price (settlement amount) of the product from the input unit 4, The type of payment medium is confirmed, and the input unit 4 selects the type of payment medium (electronic money card, credit card, debit card, etc.). Then, the type of payment medium selected by the input unit 4 is transmitted to the payment terminal 10 side. In parallel with this, the salesperson uses the reader corresponding to the payment medium received from the user (here, one of the credit card reader 50, the electronic money payment terminal 10, and the magnetic card reader 40). Read payment data (card number, balance, etc.) recorded on the payment medium. Note that the receiving circuit 12 and the control circuit 13 that acquire the type of payment medium selected by the input unit 4 of the host device 2 correspond to an example of a “type acquiring unit”.

  Next, in step S2, it is determined whether pin input is necessary. Here, for example, when the amount to be settled is small, it is determined that pin input is unnecessary. Further, when the amount to be settled is high, it is determined that pin input is necessary. If the payment medium selected in step S1 is, for example, an electronic money card that does not require pin input, it is determined No in step S2, and no electronic input is made in step S9 without any pin pad input. Money settlement processing is performed, and the settlement processing ends. In this electronic money payment process, for example, when the payment medium is a prepaid electronic money card, the control circuit 13 of the payment terminal 10 subtracts the payment amount from the balance based on the read payment data. A process of calculating a new balance and rewriting the balance of the electronic money card (so-called offline payment) is performed.

  On the other hand, when the payment medium selected in step S1 satisfies the above conditions (for example, when the selected payment medium requires a pin pad input with a credit card, debit card, post-pay electronic money card, etc.) In step S2, “Yes” is determined, and in the subsequent step S3, a program activation process is performed. In this program activation process, a program corresponding to the type of payment medium acquired on the payment terminal 10 side is activated. Specifically, in step S3, a program start command, a type of payment medium, information on a company name, and the like are given from the upper level apparatus 2 to the payment terminal 10.

  Here, as shown in FIG. 1, the storage unit 14 of the payment terminal 10 stores programs capable of executing data processing at the time of pin pad input corresponding to each type of payment medium. Specifically, for example, as shown in FIG. 1, the type of each payment medium (credit card or credit card pinpad software, credit B pinpad software, debit C pinpad software, etc.). Debit cards, etc.) and programs that can execute encryption processing and communication message generation processing specified for each issuing company (Company A, Company B, Company C, etc.) issuing each settlement medium are stored. Yes. For example, as shown in FIG. 5, methods such as a communication procedure, a pin encryption function, and security are defined for each type of settlement medium issued by each company. For example, in credit A issued by company A, it is stipulated that the communication procedure is performed by the center system of company A with a message encryption AES (Advanced Encryption Standard) 128 bit, and the encryption standard of the pin is DES ( Data Encryption Standard), and the security standard is PCI-PED1.0. In step S3, for example, if the type of payment medium selected by the host terminal is “credit A (credit issued by company A)”, the credit A pinpad software is activated. ing.

  In the subsequent step S4, a program corresponding to the settlement medium selected by the host device is activated, and it is determined whether or not the pin pad 30 is in a usable state. Here, if the program corresponding to the payment medium selected by the higher-level device is not stored in the storage unit 14 of the payment terminal 10, the pin pad 30 cannot be used, so that it is determined No in step S4. Then, the settlement process is stopped (step S8).

  On the other hand, if it is determined in step S4 that the pin pad 30 is in a usable state (Yes in step S4), a request signal for pin input is transmitted from the settlement terminal 10 side to the pin pad 30 side (step S5). ). For example, in this process, a message such as “Please input pin” is displayed on a display unit (not shown) of the pin pad 30 to prompt the user to perform a pin input operation.

  When the user inputs a pin, in step S6, the information (input information) input by the pin is encrypted in the format determined by the program started in step S4. Is done. For example, when the type of the payment medium selected by the host terminal is “credit A”, the pin input from the pin pad 30 is encrypted by the encryption method “DES”. The encrypted pin information is converted into a communication message format A (for example, an encrypted card number is added in front of the input pin) corresponding to the AES 128-bit A company center. Then, it is transmitted to the host device 2. When the host device 2 acquires the encrypted pin information from the payment terminal 10, the encrypted pin information and the credit A payment data (card) read by the reader (credit card reader 50). Number etc.) is transmitted to the electronic money center (step S7). Then, on the electronic money center side, a determination (negative determination) is made as to whether or not the credit A pin and payment data transmitted from the host device 2 are valid (online authentication processing). Further, the host device 2 transmits the settlement amount input from the input unit 4 to the electronic money center. When the pin of credit A and the settlement data are authenticated at the electronic money center, the higher-level device 2 uses a slip number, an approval number (number transmitted from the electronic money center), a payment category (lump sum payment, installment payment, etc.), A statement (receipt) describing the settlement amount and the like is issued, and the settlement process ends. Note that the control circuit 13 that processes input information (pin) data input through the pin pad corresponds to an example of a “processing execution unit”. The transmission circuit 11 that transmits the data processed by the control circuit 13 (encrypted and converted pin data converted into a predetermined message format) to the host device 2 corresponds to an example of a “communication unit”. To do.

  Further, the payment terminal 10 inquires the status of the payment process to the host device 2 side and displays the progress of the payment process on the display unit 18. Specifically, on the display unit 18 of the payment terminal 10, the result of online authentication (for example, a message such as “authentication OK” or “authentication failure”) performed between the higher-level device 2 and the electronic money center, or an input unit The settlement amount entered in 4 and a message such as “communicating with center” or “settlement complete” are displayed. The control circuit 13 that inquires the progress status of the settlement process to the host device 2 corresponds to an example of an “inquiry unit”. In addition, the display unit 18 that notifies the progress of the settlement process to the outside corresponds to an example of a “notification unit”.

  As described above, in the electronic money payment terminal 10 according to the first embodiment, a program that can execute data processing at the time of pin pad input corresponding to a plurality of types of payment media to be settled is stored in the storage unit 14 in advance. I remember it. When input information (for example, a password) is input through the pin pad 30, the data processing corresponding to the type of settlement medium to be settled is performed by the processing execution unit (control circuit 13) of the settlement terminal. The processing is performed on the input information, and the processed data is transmitted to a host device (for example, a POS cash register). As described above, since the data processing corresponding to each payment medium is executed on the payment terminal 10 side, the pin pad 30 side has only a minimum necessary function (input unit such as an input key). Just do it. In addition, one pin pad 30 can function as a dedicated pin pad corresponding to each settlement medium. For this reason, it is not necessary to provide the pin pad 30 for each type of settlement medium, and it becomes possible to perform settlement transactions of a plurality of types of settlement media with a simple configuration. Further, even if the types of payment media to be settled increase, it is possible to easily cope with the increase in the number of pin pads 30 and only by adding a program corresponding to the payment media to the storage unit 14 of the payment terminal 10. .

  In addition, the storage unit 14 of the payment terminal 10 further stores programs capable of executing encryption processing corresponding to each type of a plurality of types of payment media. In this configuration, since the encryption processing program corresponding to each settlement medium is individually provided, the processing is closed and the security can be improved.

  Further, based on the data obtained by the data processing process, the inquiring unit (control circuit 13) inquires the host apparatus 2 about the progress status of the settlement process performed in the host apparatus 2. Then, the progress of the settlement process inquired by the inquiry unit is notified to the outside by the display unit 18. In this way, since the progress of the settlement process is notified, the user can check the state of the settlement process, and can respond early to, for example, an incorrect input of a password.

DESCRIPTION OF SYMBOLS 1 ... Payment system 2 ... High-order apparatus 3 ... Control part (payment process part)
4 ... Input unit (selection unit)
5 ... Display unit 6 ... Storage unit 7 ... Communication unit (upper side communication unit)
10 ... Electronic money payment terminal (terminal for payment)
11 ... Transmission circuit (communication unit)
12 ... Receiving circuit (type acquisition unit)
13. Control circuit (type acquisition unit, processing execution unit, inquiry unit)
DESCRIPTION OF SYMBOLS 14 ... Memory | storage part 16 ... Antenna 17 ... Resonance capacitor 18 ... Display part (informing part)
20. Electronic money card (payment medium)
DESCRIPTION OF SYMBOLS 21 ... Antenna 22 ... Power supply circuit 23 ... Demodulation circuit 24 ... Control circuit 25 ... Memory 26 ... Modulation circuit 27 ... Load modulation circuit 28 ... Capacitor 30 ... Pin pad 40 ... Magnetic card reader 50 ... Credit card reader

Claims (1)

A payment system that can perform payment processing of multiple types of payment media,
A reading unit capable of reading payment data recorded on the payment medium;
A pin pad capable of inputting predetermined input information;
A payment terminal configured to be connected to the pin pad and capable of acquiring input information input by the pin pad;
A host device configured by a device having an information processing function, and performing a settlement process of the settlement medium based on the settlement data and the input information,
The host device is
An upper communication unit capable of communicating with the payment terminal and the reading unit;
A selection unit capable of selecting the payment medium;
A settlement processing unit that performs a settlement process of the settlement medium based on the settlement data and the input information;
Have
The payment terminal is:
A type acquisition unit for acquiring the type of the settlement medium selected by the selection unit of the host device;
A storage unit for storing a program capable of executing data processing at the time of pin pad input corresponding to each type of the plurality of types of payment media;
In the case where the type of the payment medium is acquired by the type acquisition unit, when the input information is input through the pin pad, the type acquisition unit acquires the type based on the program stored in the storage unit. A process execution unit for performing the data processing corresponding to the type of the settlement medium for the input information;
When the data processing is performed on the input information by the processing execution unit, a communication unit that transmits data obtained by the data processing to the host device;
A payment system characterized by comprising:

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