JPH1196252A - Electronic money transaction system using multimedia portable terminal - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable only user who passes personal authentication to perform business trade by performing the personal authentication by using a device whose place of use is not restricted like a multimedia portable terminal and by combination of information which is unique to an individual and impossible to be forged like a retina pattern and a fingerprint. SOLUTION: The business trade is performed by making access from the multimedia portable terminal 1 to a store 17 by a user, their own bank account numbers are ciphered so as not to be known to the opposite party, added to a trade result, transmitted to the opposite party of the trade by both of the user and the store, own ciphered keys each is added to the information transmitted from the opposite party and the information is transmitted to a bank 7 by each of the user and the store. The trading result of the information transmitted from both of the user and the store are deciphered by using a ciphering key attached by each party of the trade, coincidence of a purchasing amount of the trade transmitted by the user with a sale amount transmitted by the store is confirmed and the amount is transferred from the bank account only when the amounts coincide with each other by the bank.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic money transaction which requires ease of use without specifying a place to be used and high security.

[0002]

2. Description of the Related Art For example, as a conventional electronic money transaction system, as described in Japanese Patent Application Laid-Open No. 3-92966, balance information is written from a specific device of a bank to a medium such as an IC card, and Goes to a store or the like and conducts a transaction using the medium. The store stores the transaction results in the tally file in the store and sends the transaction result to the bank, and the bank specifies the method of performing settlement by transferring between the accounts, or specifying personal information such as the name and account number of the transaction partner And a method of transferring funds in a bank.

[0003]

In the above-mentioned method, a place where a user goes to a store or a place where a transaction is performed is specified, or a deadline as cash such as transmitting a tally file from a store to a bank is required. It is not possible to do real-time transactions, which is a serious defect, and it may be duplicated because it depends only on a physical mechanism such as an IC card. Account transfer is performed without guarantee that the information has not been requested or rewritten by a third party. Unlike the original concept of cash transaction, personal information of the counterparty is not disclosed to the counterparty. There are drawbacks such as the inability to conduct commercial transactions.

An object of the present invention is to provide an electronic money transaction system having high security that can be used by users and can be used with peace of mind.

[0005]

The following is a brief description of an outline of typical inventions among the inventions disclosed in the present subject matter.

That is, the electronic money transaction system of the present invention uses a multimedia portable terminal that does not specify a place to be used, and performs personal authentication using a combination of retinal patterns and fingerprints, which are unique and cannot be altered. Only users who have passed the authentication can conduct business transactions. In the commercial transaction, the user accesses the store from the terminal and conducts a commercial transaction, and both parties encrypt their account numbers so that the other party does not know it, add it to the transaction result and send it to the transaction partner, and each of them transmits from the partner. Add your own encryption key to the transmitted information and transfer it to the bank. The bank decrypts the information transmitted by both parties using the encryption key attached by each counterparty,
It confirms that the purchase amount of the transaction transmitted by the user and the sales amount transmitted by the store match, and performs the account transfer only when they match.

[0007]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, an embodiment of an electronic money transaction system according to the present invention will be described in detail with reference to the drawings.

FIG. 1 is a schematic external view of a multimedia portable terminal used in the electronic money transaction system of the present invention, FIG. 2 is a schematic configuration diagram of an electronic money transaction system according to the present embodiment, and FIG. FIG. 4 is an explanatory diagram showing the contents of an account information database in an external storage device connected to the central processing unit of FIG. 4, FIG. 4 is an explanatory diagram showing the contents of a personal information database in the external storage device in this embodiment, and FIG. FIG. 6 is an explanatory diagram showing the contents of a trade transaction collation work area in the external storage device in the embodiment. FIG. 6 shows the contents of a product catalog database in an external storage device connected to a personal computer in a store in the embodiment. FIG. 7 is a flowchart showing a balance confirmation operation between a bank and a terminal by personal authentication in the present embodiment, and FIG. Is a flowchart showing an electronic money transaction system in the Rihiki system.

First, the configuration of the electronic money transaction system of this embodiment will be described with reference to FIG.

A multimedia portable terminal 1 used for electronic money transactions of this embodiment includes a display 2 with a touch panel input function, a CCD camera 3, a microphone 4, a scanner 5,
A device provided with the speaker 6 and having a function of accessing a bank, a store, or the like by wireless communication. When performing wireless communication, a user also has a function of encrypting and transmitting his / her own telephone number and allowing the transmission partner to reply without knowing his / her telephone number.

The external storage device 12 connected to the central processing unit 11 of the A-BANK 7 is never accessed from outside, and writing and reading are performed only from the connected central processing unit. The external storage device has A-
BANK depositor account number data 24, name data 2
5, an account information database 13 having information of balance data 26, a personal information database 14 having detailed personal information of the A-BANK depositor, and SH when a commercial transaction is performed.
Sales data 39 and USER sent by OP-A17
16 compares the purchase data 43 sent by USE
Stores the transaction reception buffer 15 area for calculating the account number 47 of R and the account number of SHOP-A.

When the user of the multimedia portable terminal 1 performs wireless communication, the personal computer 20 of the SHOP-A 17 encrypts and transmits his / her own telephone number without the transmission partner knowing his / her own telephone number. Since it supports a function that allows you to reply, you do not need to be aware of the other party's phone number when replying to the terminal.

An external storage device 21 connected to the personal computer stores a catalog database 22 of products handled by the store.

A-BANK is a financial institution network 1
0 and can exchange data with other financial institutions such as B-BANK 8 and C-BANK 9 which are similarly connected to the network.

[0015] A system similar to SHOP-A is SHO.
It exists in a plurality of stores like P-B18 and SHOP-C19.

Next, the operation of this embodiment will be described with reference to FIG. 8 which shows an operation flow of the electronic money transaction system.

First, in step 801, the USER issues a product purchase instruction from the portable terminal.

Next, the user of the portable terminal authenticates the USER in accordance with the following procedure to make sure there is no mistake.

In step 702, a retinal pattern is collected by the CCD camera 3 of the multimedia portable terminal, and a fingerprint is also collected by the scanner 5 at the same time.

In step 703, step 702
The USER's retinal pattern and fingerprints collected by A-BA
The NK is encrypted by an algorithm uniquely defined by USER and A-BANK and transmitted.

In step 704, the retinal pattern and fingerprint data received in step 703 are compared with the USER retinal pattern data 35 and the USER fingerprint data 36 in the personal information database registered at the time of opening an account in step 705. Perform user authentication.

If the personal authentication passes, step 7
At 06, the A-BANK encrypts the USER balance information 31 in the account information database with respect to the USER using the above-mentioned algorithm, and returns it to the USER.

If an abnormality is found in the personal authentication, at step 708, the BANK-A informs the USER that the personal authentication has failed, displays an error, and terminates.

If the user is successfully authenticated, the USER
Displays balance information for. In this case, since the main transaction is a real-time process, a double transaction is not considered. However, just in case, the balance information is not returned after waiting until the settlement of the last commercial transaction is completed.

Then, in step 804, the USER
Access SHOP-A by wireless communication
-A, the USER stores the purchase price of the product purchased by the user in the mobile terminal in step 805, and uses a random number for his account number for SHOP-A. Unique US
The ER encryption key 45 is added and transmitted.

SHOP-A uses the function of storing the sales amount of the product sold by the user in step 807 in the portable terminal, and using the function of the personal computer 20 which can reply even if the telephone number of the other party is not known in step 808. A unique SHOP-A encryption key 41 using a random number is added to its own account number and returned to the USER.

Next, in step 809, the USER and the purchase amount of the transaction transmitted in step 808, the SHOP-A encrypted account number, and step 8
BANK with the USER encryption key generated in 06
-Send to A.

In step 810, the SHOP-A stores the sales amount of the transaction transmitted in step 806, the SHOP-A encrypted account number, and the SHOP-A encryption key generated in step 808. Attach B
Send to ANK-A.

In BANK-A, in step 811, the purchase amount transmitted by USER is compared with the sales amount transmitted by SHOP-A. If they do not match, in step 814, BANK-A sends USER and S
Inform HOP-A that there is an abnormality in the fund transfer information, and inform that the commercial transaction is invalid.

Also, in step 811 USER
Compares the purchase amount transmitted by the SHOP-A with the sales amount transmitted by the SHOP-A, and if they match, in step 812, the BANK-A determines the encrypted SHOP-A account number 44 (the SHOP-A account number). + SHOP-A encryption key) and the SHOP-A encryption key 4 of the product sales data 39.
1 and store it in the SHOP-A account number 48.

Further, in step 812, BAN
K-A is an encrypted USER account number 39 (US
ER account number + USER encryption key) is decrypted using the USER encryption key 45 of the user purchase data 43, and USE
It is stored in the R account number 47.

After calculating the account numbers of both parties, the transaction amount (= sales amount = purchase amount) is converted to SHOP-A
Is transferred to the USER account, and the USER balance 31 and the SHOP-A balance 32 in the account information database are rewritten.

Thereafter, in step 813, BANK
-A transmits to USER and SHOP-A that the processing has been completed normally, and completes the electronic money transaction.

While the above description has dealt with one transaction, if a plurality of transactions occur simultaneously, the bank manages the transaction numbers.

[0035]

The effects obtained by the typical ones of the present invention as described above are as follows.

(1) By using a multimedia portable terminal, it is possible to perform personal authentication using a combination of retinal patterns and fingerprints, which are unique to each individual and cannot be altered, without specifying a place for electronic money transactions. Therefore, it is possible to provide a user-friendly system and a high security system that is not misused by others.

(2) The money transaction can be realized by the same concept as the original cash transaction such that the name and account number are not disclosed to the transaction partner. Normally, bank accounts cannot be operated only by name or account number, but crimes are committed using personal information such as the name and account number of the user who made the transaction, and merchants can use the personal information of the user. By obtaining the information, it is possible to provide a system capable of protecting privacy and preventing unauthorized use of personal information, for example, by preventing direct mail from being targeted by a user who does not desire it.

(3). At the time of bank account transfer, it is possible to check for intentional rewriting of transaction data of stores and users and accidental data changes such as garbled data, so that incorrect account transfer processing is not performed.

[Brief description of the drawings]

FIG. 1 is a schematic external view of a multimedia portable terminal used in an electronic money transaction system of the present invention.

FIG. 2 is a schematic configuration diagram of an electronic money transaction system which is one embodiment of the electronic money transaction system of the present invention.

FIG. 3 is an explanatory diagram showing the contents of an account information database in an external storage device connected to a central processing unit in a bank in this embodiment.

FIG. 4 is an explanatory diagram showing the contents of a personal information database in an external storage device connected to a central processing unit in a bank in this embodiment.

FIG. 5 is an explanatory diagram showing contents of a sales transaction collation work area in an external storage device connected to a central processing unit in a bank in the embodiment.

FIG. 6 is an explanatory diagram showing contents of a product catalog database in an external storage device of a personal computer in a store in the present embodiment.

FIG. 7 is a flowchart illustrating a balance confirmation operation between a bank and a terminal by personal authentication in the present embodiment.

FIG. 8 is a flowchart showing an electronic money transaction method in the electronic money transaction system of the present embodiment.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 Multimedia portable terminal 2 Display with touch panel input function 3 CCD camera 4 Microphone 5 Scanner 6 Speaker 7 Bank (A-BANK for explanation) 8 Bank (B-BANK for explanation) 9 Bank (C-BANK for explanation) 10 Financial institutions Network 11 Central processing unit 12 External storage device (Personal computer 13 Account information database 14 Personal information database 15 Transaction reception buffer 16 Multimedia mobile terminal user (user of this transaction system for explanation) 17 Store (SHOP-A) 18 Store (SHOP) -B) 19 store (SHOP-C) 20 personal computer 21 external storage (connection to personal computer) 22 product catalog database 24 account information database account number data 25 account information database name data 26 account information database balance data 27 USER (explanatory transaction system user) account number 28 SHOP-A (explanatory store) account number 29 USER (explanatory transaction system user) name 30 SHOP-A (explanatory store) name [shop name] 31 Account balance for USER (user of this transaction system for explanation) 32 Account balance for SHOP-A (shop for explanation) 33 Account number data in personal information database 34 Name data in personal information database 35 Retina pattern data in personal information database 36 Personal information In the database Fingerprint data 37 In the personal information database Address data 38 In the personal information database TEL data 39 In the transaction reception buffer Product sales data area 40 In the transaction reception buffer Encrypted user data area 41 In the transaction reception buffer Shop encryption key data area 42 Transaction Commodity sales amount data area in reception buffer 43 In the reception buffer User purchase data area 44 In the transaction reception buffer Encrypted store data area 45 In the transaction reception buffer User encryption key data area 46 In the transaction reception buffer User purchase price data area 47 In the transaction reception buffer User account number calculation Result storage area 48 Transaction reception buffer Store account number calculation result storage area 49 Product catalog database Product-major classification 50 Product catalog database Product-small classification 51 Product catalog database Product-product number 52 Product catalog database Product-product Name 53 Product catalog database Product-unit price 54 Product catalog database Product-PR information

──────────────────────────────────────────────────の Continued on the front page (51) Int.Cl. ⁶ Identification code FIG06F 15/30 340 15/62 460

Claims (1)

[Claims] 1. A system in which a user accesses a personal computer of a store from a multimedia portable terminal and conducts transactions within the range of his / her account balance. In the system, a user obtains a retinal pattern and a fingerprint using the portable terminal. Perform personal authentication by comparing with personal information registered in advance in the bank, and if there is no problem, use the mobile terminal that obtained your account balance information, select the desired product, and encrypt your personal information The merchant sends the account number, the merchant adds his own encryption key to it and sends it to the bank, and the merchant sends the user his encrypted account number, and the user adds his own encryption key to it. To the bank, the bank decrypts the account number using each encryption key, and the bank determines that the sales amount sent from the store matches the purchase amount sent from the user. Electronic money transaction system, characterized in that the settlement carried out the account transfer only.