WO2001088792A1 - Authenticating method and system and settling method and system - Google Patents

Abstract

A positive authentication of an owner of a portable article and payment using the authentication are implemented. A portable article (101) includes portable phones and cards of various types. An owner registers in advance settling partner information and an authenticating password with an authentication control center (112) and receives and keeps intrinsic information. Intrinsic information is locally stored in a portable phone but a password is not. When making a payment, an owner displays the intrinsic information on a portable phone in the form of bar codes for reading by the input/output means (151) of a POS terminal, and keys in a password on the keyboard (153) of the POS terminal. An authentication processing center (113) confirms a combination of these two elements of information for authentication of an owner to complete a settling process. Intrinsic information may be changed periodically.

Description

 Description Authentication method and system, settlement method and system

 The present invention relates to an authentication method and system using a portable object such as a portable device, and a settlement method and system.

^ Cards such as ¾i ^ ゃ credit cards and debit cards are used as payment means for purchasing merchandise at stores and paying for.

 In the cash dispenser used in the cash dispenser, when the pass code input by the owner of the card becomes {r} with the pass code of the person himself / herself preliminarily spoken on the card, The owner of the card is authenticated, and the withdrawal, deposit, and settlement of ^^ are performed.

 In the case of a credit card used in a store, when the signature of the owner of the card signifies the signature of the person described in advance on the back of the card, the owner of the credit card is notified. Is authenticated as the principal and the payment is settled.

 However, with «technologies», you have to fill your change with change coins and carry a lot of force in your wallet.

 Also, in the キ ャ ッ シ ュ ^ cash card, the pass card of the person is stated on the card 的 に m, so if the card matches a male or the like, the third party is spelled out on the card May read the password and use this force.

In addition, in the case of the credit card, since the signature of the person is written on the back of the card, if the card is located on a building, etc., a third party imitates the signature held by the card, There is a risk of misusing the card. Also, at stores such as convenience stores such as ί ^, credit cards cannot be used, and purchases are made using ί 脸 or prepaid cards dedicated to convenience stores. It was unable to handle expensive products that required a large amount of prepaid cards and other products. Disclosure of the invention

 An object of the present invention is to avoid misuse by a third party when authenticating a person using a portable object.

 Another object of the present invention is to avoid abuse by a third party when authenticating an individual and performing payment settlement using a mobile phone »1.

 Further, an object of the present invention is to provide a simple determination even in a store such as a convenience store where a credit card cannot be used, without using a cash card or a prepaid card. Another object of the present invention is to securely perform personal authentication ^ :.

 It is also an object of the present invention to settle payment securely in a cashless manner.

 According to the present invention, in the method of authenticating the owner of the mobile phone 3 as a person, the personal information is described in a form in which the unique information can be read, and the password of the person is not written in the book 1 Observe in advance the combination with the above unique information, and the combination of the unique 読 み 取 read from the partner presented by the owner of the partner and the password entered by the owner of the embarrassment ^: When ^ ¾, the owner of the portable object is authenticated as the person.

In addition, the present invention provides a system for authenticating the owner of a portable object as a person, pre-elaborating the portable object in such a manner that the personal information can be read, and recording the password of the person in the portable object. A combination of the unique information read from the mobile phone presented by the owner of the mobile phone and the password input by the owner of the mobile phone; ^ "Previously In this case, there is provided an authentication means for authenticating the owner of the mobile phone with the owner.

 Further, the present invention provides a method of authenticating the owner of a portable object as a person and paying a payment V ヽ of the owner of the portable object in advance in a state in which unique information can be read on the portable object. In addition, the password of the person and the decision & Suiho information should be written in advance in the combination with the above unique information ^: without reading, and read from the mobile phone presented by the owner of the mobile phone If the combination of the unique information provided and the passcode entered by the owner of the fiber ^ is assumed to be in advance, the owner of the i ^ MJ is authenticated as the person himself and the The payment by the owner is settled from the decision registered in advance in the person's decision information.

 Further, according to the present invention, in a system for authenticating the owner of a portable object as a person and settingtle the payment of the owner of the portable object, the portable device can recognize in advance the unique information in a readable state, The password and personal information of the person in question are not humbled by the company, but are read from the mobile device presented by the owner of the mobile object in advance by using the above-mentioned combination ^: When the combination of the unique information and the password entered by the owner of the knowledge »is ^ ^, the owner of the object is authenticated as the person himself and the payment of the owner is It is provided with an authentication means to settle from a predetermined decision in the person's decision information.

 In addition, the present invention provides a method of authenticating the owner of a portable information device as a person, by displaying the unique information previously created for the person in a readable state on a portable information terminal, When the unique information read from the mobile ^ terminal indicated by the force is changed to the unique information registered in advance for the user, the owner of the fiber belt is authenticated as the user. In advance, unique information that can be displayed on a mobile terminal is temporarily gf-fed.

Further, the present invention provides a method for authenticating the owner of a portable information If the terminal's unique information can be displayed in a pillow state that can be read, and the user's own node can be displayed! Combination ^: In advance, the combination of the unique information read from the mobile fault reporting terminal presented by the owner of the mobile phone and the passcode entered by the owner of the mobile terminal If the password is registered in advance, the owner of the Securities Exchange Securities Terminal is authenticated as the person himself, and the password is paired with the person ^: in advance and can be displayed on the mobile clearing terminal. The characteristic f * ¾ is made to Jfi over time.

 In addition, the present invention provides a system for authenticating the owner of a portable information terminal as a person, by displaying the unique information used for the person in a form of a pillow that can be read on a portable information terminal. When the unique information read from the mobile public information terminal presented by the owner of the information terminal becomes the unique information in advance for the user, an authentication means is provided for authenticating the owner of the information terminal in the zone with the user. For this purpose, a means is provided in advance, and a means for temporarily and uniquely providing unique information to be displayed on a mobile terminal is provided.

 The present invention also provides a system for authenticating the owner of a portable information terminal as a person. In the system, the unique information can be displayed on the portable information terminal in a readable state, and the passcode of the person can be used. ^ The obi seikiho terminal is not allowed to say vt state in combination with the above-mentioned unique 'W¾ ^: It is read from the mobile suiheigyo terminal presented by the owner of the mobile seikagi terminal in advance with the device means. When the combination of the unique information and the passcode entered by the owner of this fiber-band clearing terminal ^: is the same as the one in advance, the authenticity of the owner of this band is verified. It is provided with an authentication means, a means for viewing in advance by means of the user in combination with the user's passcode, and a means for temporarily displaying unique information that can be displayed on the mobile phone. .

In addition, the present invention provides a method of authenticating the owner of a portable information terminal as the person and settingtle the payment of the owner of the ft-report terminal of the present consensus band, and allowing the portable terminal to read unique information predetermined for the person. And make it possible to display the information Information in advance in combination with the above-mentioned unique information, and the unique information read from the mobile information terminal provided by the owner of the mobile phone was converted to the unique information previously provided for the user. At this time, the owner of the Obi-Public Information Terminal is authenticated as the person in question, and the payment of the owner of the Toto-obi Information Terminal is settled from the payment destination that has been viewed in advance by the person concerned & Suiho In this case, the unique information to be displayed on the portable information terminal in advance for the user is updated with time.

 In addition, the present invention is capable of authenticating the owner of the portable information terminal as the principal and reading the unique information to the portable clearing terminal in a method of settingtle the payment of the owner of the It band terminal. In addition to making it possible to display the information in the form of an individual, and not letting the user speak the 'Sword' in the Tonada belt, the terminal is registered in advance with the payment destination of the individual and a combination with the above unique information ^: Mobile if¾ Unique read from the mobile terminal presented by the terminal owner! When the combination of ^ and the password entered by the owner of the clearing terminal ^: ^ m and the one you saw in advance ^ m, the owner of the clearing terminal is authenticated as the person, The owner's payment is settled from the decision made in advance by the person's decision ^ ¾t¾, which is foreseeable in the combination of the person's password and the decision & In addition, the characteristic に す る that can be displayed on the mobile information terminal is changed over time.

In addition, the present invention provides a system for authenticating the owner of a mobile phone # terminal as a person and settling the payment of the owner of the fiber band public information terminal, wherein the personal information prepared in advance for the person is stored in the mobile tf information terminal. In addition to displaying the information in the form of a pillow that can be read easily, the user's payment destination information is viewed in advance with any combination of the above-mentioned unique information on the viewing means, and from the mobile terminal displayed by the owner of the mobile information terminal. When the read unique information matches the unique information foreseeable for the person, the owner of the fiber band clear information terminal is authenticated as the person concerned, and the payment of the owner of the mobile phone information terminal is made. Equipped with an authentication means to settle from the pre-determined decision in the settlement destination's clearing book of the principal, registering the registration means for the principal in advance, and unique information that can be displayed on the end of the mobile phone ff ^ over time ^ If you want to It is prepared for.

 In addition, the present invention provides a system for authenticating the owner of a portable information terminal as himself and for settingtle the payment of the owner of the Suiho terminal of the present discussion, wherein the unique information can be read by the portable information terminal. In addition to making it possible to display it in a state, the password of the person is not supposed to be said to the portable weather report terminal in a pillow state, and the combination of the person's decision ^ clear report and the above unique information ^: in advance ^ means When the combination of the unique information read from the mobile terminal presented by the owner of the mobile information terminal and the password entered by the owner of the mobile information terminal is pre-viewed, An authentication means is provided to authenticate the owner of the Obi-Suiho terminal as the principal and to settle the payment of the owner of the Obi-Shiho terminal based on the decision of the person concerned and the decision made in advance by the fe information. In advance, 組 み ^ means 組 み ^ with the combination of the person's password and the information on the difficulties ^: Is obtained as over time comprises Wei means for s¾f the specific information to be displayed on. BRIEF DESCRIPTION OF THE FIGURES

 Fig. 1 is a diagram showing a first type W authentication and settlement system.

 FIG. 2 is a block diagram showing an authentication settlement system.

 FIG. 3 is a diagram illustrating an authentication and settlement system according to the second embodiment.

 FIG. 4 is a 1¾ diagram showing the display screen of the mobile phone << I ^.

 FIG. 5 is a block diagram showing an authentication settlement system.

 FIG. 6 is a block diagram showing a third embodiment of the authentication and settlement system.

 FIG. 7 is a block diagram showing an authentication and settlement system according to a fourth embodiment.

 FIG. 8 is a block diagram showing a fifth embodiment of the authentication settlement system. Conditions for Inventing

 (First situation) (Fig. 1, Fig. 2)

The authentication settlement system 10 is shown in Fig. 1, which shows that the owner of the When you purchase a product at the store 11 (authentication execution area), at the convenience store headquarters, you authenticate whether or not the owner of the mobile device is your identity at the authentication management center 12 Affirms that the SB result is the principal ^ (the cow is settled by the new settlement institution 13 (settlement destination) for the purchase price.

 The authentication settlement procedure by the authentication settlement system 10 is performed as follows. The portable object is described as a portable device.

 (1) The mobile βΐδ machine that constitutes the authentication and settlement system 10 is preliminarily registered in a state where the unique information (ID) such as the * § number, e-mail address, and its serial number can be read. . At this time, it has a portable device crane display screen, and displays the unique information said beforehand on the liquid crystal display screen using any of a¾i such as characters, unique codes, figures, etc., and can read it And The portable device does not state any password (personal identification number) maintained by the genuine owner of the device.

 (2) Determine the unique information of the mig machine, the pass (password) of the person who is the genuine owner of the mis machine, the payment institution 13 designated by the person and the account number, etc. The information set 'r' is previously set to the means 22 via the input / output means 21 of the authentication management center 12. The unique information to the means 22 of the authentication management center 1-12 The password or the determined ft report may be input by the user in the authentication input / output means 21 at the authentication center 12 or by the user via the input / output means 33 of the store 11. It may be input to the input / output means 21 of the authentication management center 12.

(3) When the owner of the machine purchased the product at the store 11, the mobile phone presented by the owner of the phone «g machine 0 The unique (ID) displayed on the LCD display was ^ means 3 At the same time, the password is read by the owner of the machine, and the password is input to the keyboard 32, etc. At the same time, the unique information (ID) read as in the store 11 is input. The password set ^: is transmitted from the input / output means 33 of the store 11 to the authentication server 12 via the communication network and transmitted to the authentication management center 12 via the input / output means 21 of the authentication management center 12. Enter authentication means 2 3 Is forced.

 (4) In the authentication means 23 of the authentication management center 12, the unique information (ID) of the above (3) read from the mobile phone | When the password combination ^: of 3) is previously set to the means 22 in the above (2), when the password is set to {2}, the owner of the IS machine is authenticated as the user.

 (5) The authentication result of ± 4) obtained by the authentication management center 11 is transmitted from the input / output means 21 to the store 11 via the communication network via the input / output means 3 3 of the store 11 ■ Is output to the display unit 3. In the store 11, when the authentication result displayed on the display unit 34 indicates that the user is the person, the user recognizes that the owner of the mobile phone IS machine is the person himself and delivers the product.

 (6) When the authentication result of ± ¾¾4) obtained by the authentication management center 11 is the identity, the authentication management center 12 is based on the above-mentioned (2) destination information provided in the means 22. The payment institution 13 of the decision is charged so that the purchase price of the owner of the portable device is renewed from the account set in the decision fcffg. Based on this request, the settlement institution 13 automatically debits the account payment from the account of the principal and settles. The settlement institution 13 sends this settlement to the principal », and the principal replenishes the balance of the account as necessary.

 Therefore, according to the present embodiment, the following operations are provided.

 (1) The user's passcode is not viewed on the mobile device when the user is authenticated, paid, and settled using a mobile phone whose facsimile is viewed in advance. Therefore, even if the misappropriated misappropriation machine is stolen, the third party can read the passcode from the Tonada belt.

(2) By storing the view of the combination of the password, unique information and job decision information ^^ not in the store 11 but in the remote authentication management center 1-12, it can be used for many stores 11 Compared to the case where the ¾ ^ is stored, the configuration of the authentication settlement system 10 can be simplified, and the possibility of leaking I "can be more reliably eliminated. (3) Even at stores such as convenience stores where credit cards cannot be used, it is possible to authenticate the user by using a portable device or the like on which the unique information is recorded and the user passes the pass. Payment of purchased products can be settled from a predetermined settlement institution 13 without using,. According to this, it becomes possible to handle high-priced products even at convenience stores, which leads to ^ E ^ L good at convenience stores.

 In the practice of the present invention, when the unique information (ID) of the mobile phone is displayed on the liquid crystal display screen as image information such as characters, the I ^ means 31 is used as a CCD camera, an OCR (optical). (Character-one reader), which can remove image information such as characters using a CCD camera, recognize characters using OCR, and read the unique ID (ID) consisting of image information such as characters. .

 In addition, when the unique '(ID) of the mobile phone is displayed on the liquid crystal display β of the βΐδ machine as a distance from the barcode, the reading means 31 is constituted by a CCD camera, so that It can read the unique ID of information.

 In the context of the present invention, the communication is not limited to mobile phones, but may include mobile terminals, credit cards, IC cards, -dividual cards, automobile licenses, passports, and the like. There may be. The unique If ^ in a pillow form that can be read by a mobile phone can be a card number, a license number, a passport number, or the like.

 (2 mm) (Figs. 3 to 5)

As shown in Fig. 3 (A), the authentication and settlement system 110 is in the form of a mobile clearing device. The owner of the ft ^ machine 101 is a store such as a convenience store and the like. When the product is purchased, the owner / owner of the machine 101 is enrolled in the authentication management center 1 1 1 2 ^ Approval of credit card and debit card companies etc. that the owner of the machine 101 is also using! The owner of the fiber band machine 101 at the BQ® Center 113 The store verifies whether or not the card is authenticated, and informs the store that the result of the verification is true, and inserts the credit card debit card, etc., held by the owner of the portable device. Through this, payment of the purchase price is settled by a settlement institution such as a bank (settlement).

 It should be noted that, in the authentication and settlement system 110, the information between the store 11 and the authentication management center 11 and the information between the settlement institution 11 and 14 is wireless or available. Can be by line communication network.

 The authentication settlement procedure by the authentication settlement system 110 is performed as follows.

 The owner of dmwm ο ι will rush into the certification management center. The owner of the portable device 101, in order to obtain the power [], obtain the mis number of the portable mis-machine 101, and the user has entered a credit card number, such as a credit card with decals and a credit card number. (Including the settlement institution 11 corresponding to the force and the notification of the account number, etc.), and declare it to the certificate β center 112. This power can be obtained by the user by inputting it to the authentication center 112 and inputting / outputting the input / output means 121, or by the user using the POS (point-of-sale) of the store 111. terminal) It may be performed by inputting to the input / output means 1 2 1 of the authentication difficult sensor 1 1 2 via the input / output means 1 501 of 150.

 (2) When the certificate management center 1 1 2 receives the declaration of participation of the owner of the mobile phone 1 ¾ ¾ ¾ ¾ ¾ ¾ 1 1 1 1 セ ン タ セ ン タ M セ ン セ ン セ ン セ ン セ ンAs you gain, you will lose calories. The m¾ center 1 1 2 assigns the owner of the mobile phone «fg machine 101» that has accepted the calorie a special code 103 A as a unique unique f »¾ for himself. At the same time, the certification management center 1 1 2 issues a code 103 A assigned to him / her and attaches his / her brother to his / her own password (the payment destination Tangpo). ) Authenticate with MS Sen'ichi 1 1 3 I / O means 1 3 1 Authenticate Contact Sen Sen 1 1 3 and certify aaoa center 1 1 3 has this code ιo 3

Use A and card number (final information) as means 1 32.

The authentication management center 112 has a bar code 102 assigned to the user temporarily, for example, every one month, and has a f f means 122 for recognizing this information. Yuichi 1 13 Recognition via input / output means 13 1 HE 1 Center 1 13 夕 Sen Yuichi 1 1 3 updates the contents of means 1 3 2. The Authentication and Certification Center 1 13 makes the user's information f * and transaction information to the Authentication and Management Center 1 12 temporarily or immediately when necessary.

 (3) Authentication management Senichi 1 1 2 inputs / outputs the above-mentioned (2) bad 10 3 A specially issued to the owner of the mobile phone S¾l 01 that has completed the calorie input. From the means 1 2 1, the sentence is sent to the 識 is machine 101, and the liquid display screen 1 of the mobile mis machine 101 is sent.

It can be displayed at 02 (Fig. 4 (A)). As described above, the certification management center 112 sends the target 103 A to the target, for example, every one month.

 The certification management center may send this code to the mobile phone 101 at the same time as the first issuance or at the same time, or provide authentication at the store 111. If necessary, the user enters the password for importing (authorization management center 112 has already contacted the person in advance at the beginning of the registration after completing the subscription) and requests this code. It is also possible to say to the mobile phone << IS machine 101, and then erase this bad 103A from the inside of the portable βΐδ machine 101. To the third party of this bad 103 0 Leakage can be reliably avoided.

As a result, the owner of the mobile eis machine 101

oi display translation ι o

2, if desired, a code of 103 A can be added. The authentication center 1 1 2 applies the code 10 3 A to the display screen 10 2 of the portable intelligent device 10 1, and the ID number 10 3 B (the bar code 10 3 A Can also be displayed (Figure 4) o

(4) When the owner of the machine 101 wants to purchase a product at the store 111, the owner of the mobile ft ^ machine 101 puts a badge 103 on its display screen 102. The store clerk displays the code 103 A with TO by means of a scanner or the like, and inputs this to the input / output means 15 1 of the P〇S 150. Store 1 1 1 The code 103 A input to the POS 150 of the POS 150 is sent to the SBM center 113 via its input / output means 151 together with the 'immediate settlement request'. Yuichi 1 1 3 Is input to the authentication means 13 3 via the input / output means 13 1.

 (5) Acknowledgment In the authentication means 1 3 3 of aoa sen 1 1 3, the phone code A 4) read from the mobile phone IS IS machine 101 3 )), And it is difficult to see the means 1 3 2 ^: If this is the case! ^ ¾ Authenticate the owner of the IS machine 101 as the person.

 (6) The authentication result of ± 3¾5) obtained by the authentication key sensor 1 13 is sent from the input / output means 13 1 to the P〇S 150 of the store 1 11 1 POS 1 5 0 Is output to the display unit 152 via the input / output means 15 1 of the terminal. The clerk displays the certification displayed on the display unit 15 2

• When the result indicates that you are the person, you recognize that the owner of the mobile mis-machine 101 is the person and give the goods. At this time, the display section 15 of the P0S1500 band «the display of the IS machine 101, the ID number 103 displayed on the βΐ02, and the face photo 103C are also displayed! This one! ^ w The result can help you identify yourself.

 (7) Recognition If the SB SB result of ± ¾¾5) obtained by the BO® Center 113 is the person, the authentication process is performed as described in (2) above. ) Based on the decision corresponding to the card number of the mobile phone «feature clearing house 1 1 4 so that the purchase price of the owner of the IS machine 101 is executed from the account specified in the decision. At the same time, it sends an immediate settlement report to the POS 150 of the store 1 1 1. Based on this request, the settlement institution 114 automatically debits the account from the principal's account and settles. In addition, Authorization! B® Center 1 13 or Payment Institution 1 1 4 will make this decision to the person, and the person will replenish the balance of the account if necessary.

 The testimony correct settlement system 110 further includes the following components.

 When the authentication center 1 1 3 sends the authentication result of the user to the POS 150 of the store 1 1 1 in the above (6), the name, age, and payment card name of the user who has already completed the means 13 22 Such personal information can also be output to the POS 150 and displayed on the display unit 152, and the personal information can be used to assist the salesclerk in recognizing the individual.

The authentication basket center 1 1 1 2 can display the payment details of the user requested by the user by inputting the mffl password on his / her mobile device. Decision The information includes the name of the card, the expiration date of the card, the name of the clearing house 114, and the name of the account.

 The authentication management center 1 1 2 can display the payment limit ^ S information of the user who requested the knee by inputting the password on the display screen 102 of the mobile phone 101. The information on the amount of payment includes the amount of use P per purchase and the amount of use donation per power month.

 The authentication management center 112 can display, on the display screen 102 of the portable device 101, the usage message information regarding the payee of the principal requested by the principal by inputting the capture password. Usage language information includes usage details (date and time of use, name of store used, name of purchased product, purchase price), total amount of use, and the like.

 The authentication management center 1 1 2 can display the payment information to the payee of the user who requested kneeling by inputting the mm password on the display l 0 2 of the portable ftlS machine 101. The payment information includes the payee (the name of the institution and account name of the 纖 纖 、 関 1 1 、 、 口 座 口 座), the amount of the payment, and the payment terms.

 The authentication management center 21 can display the information of the payment destination of the user requested by inputting the password of the user or the user on the display 102 of the mobile phone 101. The balance includes the account balance of the clearing house 114 and the balance of the debit card. Payment information to the account of the settlement institution 114 can also be displayed.

 The authentication management center 1 1 1 2 is required to enter the mffl password and request it. Profit such as discounts, gift certificates, etc.) The acquired information can be displayed on the display 102 of the portable ^ S machine 101. The profit acquisition information includes the number of points acquired, the number of accumulated points, and the coupon information that can be acquired with a certain number of points according to each usage.

 Therefore, according to the present embodiment, the following effects are obtained.

(1) A portable m¾ machine with a bar code 1 0 3 Α that was previously prepared for the person 1 0 When the user is authenticated and the payment is settled using l, the bar code 103 A displayed on the mobile phone 101 is crazed. Therefore, a new bar code 103 A can be issued from the owner of the mobile phone ¾ 1 0 1 from the owner to ¾ ¹ o'clock, and a new bar code 103 A can be issued. It can improve β¾¾ and avoid abuse by third parties.

② barcode - de E ₀ 3 _Α and泱¾ ¾ not an authentication execution area such as store 1 1 1 combination of the of the Qing report, by that you keep the remote authentication key Sen evening one 1 1 3, multi It is possible to simplify the configuration of this authorized settlement system 110 in comparison with the storage of those in each of the authentication execution areas consisting of a number of stores 1 1.1 and so on. No ¾ ^ Leaked Kurakura students can also make more sure jobs.

 ③ By authenticating the person using the mobile phone 101 with the bar code 1 0 3 表示 displayed, without paying ί, payment of purchased goods and services from the predetermined decision ^ fc You can settle. According to this, it becomes possible to handle high-priced products even at convenience stores and the like, which leads to the improvement of convenience stores and other three properties.

 (s) (Figure 3, Figure 4, Figure 6)

 The difference between the second mode and the second mode is that, as shown in Fig. 3 (B) and Fig. 6, the authentication of the second ^ S mode ^! Senyuichi 1 1 2 and the authentication processing center 1 1 3 are integrated. Authentication management · The fact that a 50® center was built.

 Authentication management · The processing center 160 has the means 122 connected to the input / output means 161, the observation means 132, and the authentication means 133. It combines the functions of Yuichi 1 1 2 and Yuichi 1 1 3.

 (f) (Fig. 3, Fig. 4, Fig. A)

The fourth mode can use the same authentication and settlement system 110 as the second mode, but the fourth mode differs from the second mode S © ^ mode in the possession of the portable device 101. In order to authenticate the identity of the user, the authentication passcode of the identity is not displayed and displayed on the portable SIS machine 101. This is to use in combination with the above-mentioned no code 103 A (specific information) ^ :.

 Accordingly, the authentication settlement procedure by the authentication settlement system 110 of the fourth-fifth embodiment is performed as follows.

 (1 The owner of a mischief machine 101 joins the authentication center 1 1 2. The owner of a mobile phone «is machine 101, Authenticated credit card numbers such as debit cards (including settlement institution 114 corresponding to the credit card and the address of the account number etc.) to ffl center 112 At the same time, the owner of the portable device 101 must provide the authentication password (personal identification number) of the genuine owner of the device 101, and the number of the portable device 101, Declaration is made to the authentication management center 1 1 2 in combination with the password number (decision ^ ^). This may be done by inputting the information, or the person himself / herself can use the authentication management server via the I / O means 15 1 of P 0 S (Point-of-sale terminal) 150 of the store 1 1 1 1 1 2 It may be carried out by entering the input and output means 1 2 1.

(2) Certification management

When the owner of the oi is declared to join, he / she will contact the Authorization Center 113 to obtain the credibility of the person and to enter the TS of caro. The HE management center 1 1 2 assigns a bar code 103 A as special unique information to the owner of the portable device 101 that has accepted the calorie. At the same time, the authentication management center 1 1 2 links the issuance status of the password 1 103 A assigned for this person with the card number (payment destination clearing report) of the person and the authentication SE¾ password ( Communicate with the pair ^ :) and contact the authentication wake-up center 1 1 3 via the input / output means 1 3 1 of the saaa center 113. 3 A and the card number etc. (decision ^ public information) and the map pass code are sent to the viewing means 1 3 2.

The certification management center 1 1 2 will assign the code 1 0 3 A assigned to the person For example, we have a means 1 2 2 for updating every 1 month, and we certify this updated information via the input / output means 1 3 1 ½The S center 1 1 3 updates the contents of the means 1 3 2. The authentication processing center 113 sends the personal information and transaction information to the authentication management center 112 temporarily or immediately when necessary.

 (3) The certification management center 1 1 1 2 sends the barcode 1 0 3 A of (2) above, which was issued specifically for the owner, to the owner of The message is transmitted from the output means 12 1 to the discussion device 10. 1, and can be displayed on the mobile phone << liquid display screen 102 of the IS device 101 (FIG. 4 (A)). As described above, the authentication basket center 1 1 2 performs this bar code 103 A purposely, for example, every 1 month.

 The authentication center 111 may send the password 103 A to the mobile phone 101 at the same time as the first issuance or ^ f, or the store may be authenticated. When necessary, the user enters the m¾ password (the Authentication Management Center 1 1 2 has already contacted the user in advance at the beginning of the completion of his / her efforts) and requests ma for this bar code 103 A. The bar code 103A may be transmitted from the portable device 101 and then deleted from the portable device 101. Leakage of this code 103A to a third party can be reliably avoided.

 As a result, the owner of the 鄉 «5 aircraft 101 will be able to

2, the barcode 103A described above can be displayed if desired. The authentication center 1 1 2 can use the mobile phone «|

The ID number 103B (the number corresponding to the barcode 103A) may be displayed together with the person's photo 103C (Fig. 4).

(4) When the owner of mismachine 101 wants to purchase a product at the store 111, the owner of portable machine 101 displays the code 1 103 on the display 麵 102. The store clerk hides the barcode 103 A by means of a scanner or other such means, and inputs this to the input / output means 151 of the P 1S 150. ^ Obi fl ^ machine 1 0 The owner enters the password for authentication on the keyboard 15 3 of P 1S 150. The combination of the password 1303 A and the authorization password ^: entered in the POS 150 of the store 1 1 1 1 1 1 1

The information is transmitted to the authentication center 1 13 via 1 and is input to the authentication means 1 3 3 via the input / output means 13 1 of the authentication center 1 13.

 (5) The authentication means 1 1 3 of the certified teas center 1 1 3 owns the code ¾ 0 3 A of ± 読 み 4) read from the portable device 1 ο ι Recognition of ± ¾ (4) entered by the user. KEffl Pass-Pair Set ^: Power Registered in the means 1332 in advance in (2) above. ^ Obi «Authenticates the owner of IS machine 101 as himself.

 (6) The certification result of ± ¾5) obtained by the certification center ¾ 1 1 3 is sent from the input / output means 13 1 to the POS 150 of the store 1 11 1 The input / output means 1 of the POS 150 It is output to the display unit 152 through 51. When the clerk indicates that the authentication result displayed on the display unit 152 is his / her own, the store clerk recognizes that the owner of the mobile phone fg machine 101 is his / her own and delivers the goods. At this time, the display section of the POS 150 0 1 5 2 (the ID number 10 3 B and the face photograph 10 3 C displayed on the display screen 102 of the e-belt machine .1'01 1 are also displayed. 'This result can help you to identify yourself.

 (7) If the authenticated SB result of ± ¾ (5) obtained by the iS! Center 1 13 is true, the authentication center 1 13 is registered in the ¾ ^ means 13 2 Based on the decision corresponding to the card number described in (2) above, the purchase price of the owner of the portable mis-machine 101 is executed from the account determined by the decision 情報 ^ information ^^. In this way, the payment is made to the settlement institution 114 of the settlement destination, and at the same time, the 'immediate settlement report is sent to the POS 150 of the store 111. Based on this request, the clearing house 1 14 automatically debits the payment from the principal's account and settles the payment. Affirmation ana sen yuuichi 1 1 3 or clearing house 1 14 will make this decision to the principal, and the principal will replenish the balance of the account as necessary.

 Therefore, according to the present embodiment, the following effects are obtained.

①No code 1 038 in advance for the person ¾ ^ Satsu's pass When a user uses a mobile phone 101 whose password has been set in advance to authenticate the user and settle the payment, the code displayed on the mobile phone 101 is updated frequently. However, his / her passcode is not used by the i-band ttis machine 101. Therefore, the authority to issue a new bar code 103 with the trust from the owner of the mobile phone 101 to the owner's f. It can improve the recognition credibility IJ¾ by 0 and can avoid the abuse by a third party. In addition, even if the β 翻 δ machine 101 in this band was stolen, the possibility that a third party could read the password from the TO machine 101 in this band could be eliminated, thus avoiding misuse by a third party. it can.

 ②Pass and bar code are determined to be 103 A. ¾5¾ † S $ g combination ^: is stored in the remote authentication Brasen Yuichi 1 1 3 instead of the authentication execution error of the store 1 1 1 etc. As a result, the configuration of the authentication and correct settlement system 110 is simplified as compared to ^ ", which stores the authentication information in each of the authentication execution areas including a large number of stores 111 and the like. Yes, and the leakage of the leak can be more reliably eliminated.

 ③ The bar code 103 A is displayed and the user's pass is passed. 鼋 The mobile phone 101 is used to authenticate the user. A certain job can settle payments for purchased goods and conveyers. According to this, it becomes possible to handle high-priced products even at convenience stores, which leads to improvements at convenience stores.

 (Fifth actual stock) (Fig. 3, Fig. 4, Fig. 8)

 The fifth point is that the state is different from the state, as shown in Fig. 3 (B) and Fig. 8, and the authentication is performed by the first authentication and the M @ center one. Center 160 was built.

 The authentication basket 'retention center 160 has a wei means 122, a means 132, and an authentication means 133 connected to the input / output means 161, and the authentication management center described above in the fourth section. Combines the functions of 1 1 2 and 1 1 3

In the practice of the present invention, the unique information preset for the user may not necessarily be the one code 103A, but may be other character information or graphic information. these When displayed on the display screen 102 of the mobile phone 101, the means can be configured with a CCD camera and an OCR (optical character reader), and image information such as characters can be captured by a CCD camera. In this way, characters and the like can be recognized using 0CR, and unique information consisting of characters and the like can be obtained.

 In addition, the present invention only needs to authenticate the owner of the portable information terminal with the person according to the authentication method of the present invention. Use of the product

 According to the invention of ιι〜ι 2, there is a word (there is a use.

 (1) When the user's passcode authenticates the user using a predetermined mobile phone, the user's password is not specified. Therefore, even if the fiber is stolen or the like, the possibility that a third party can read the nosed by the third party can be eliminated, and misuse by the third party can be avoided.

 (2) By storing the Weid of the combination of the pass password and the unique information ^: in the remote authentication management center instead of the authentication execution error, an authentication execution error consisting of a large number of stores, etc. In each case, the registration is stored; compared to ^, the configuration of the authentication system can be simplified, and the possibility of the leakage can be further eliminated.

 According to the invention of mm 13-2, there is an awD® action.

 (3) The passphrase of the person is not specified at the time of performing the authentication and payment of the person by using a portable object in which the person's password is preliminarily set. Therefore, even if the user is in trouble, the possibility that a third party can read the password from the user can be made, and the abuse by the third party can be avoided.

By storing the password, unique information, and destination information set at a remote authentication center instead of an authentication execution error, it can be used in an authentication execution area consisting of many stores, etc. The configuration of this authentication and settlement system can be simplified and the possibility of its leakage can be more reliably eliminated as compared with the case of storing the Cut off.

 Even in stores such as convenience stores where credit cards cannot be used, cash can be obtained by authenticating an individual using a mobile device such as a mobile phone in which a unique 'nosword' is registered and the individual's Nosword is registered. Payments for purchased products can be settled from a predetermined settlement destination without using. According to this, it becomes possible to handle high-priced products even at convenience stores, leading to ^ 3 profiles such as convenience stores.

 According to the inventions of claims 125 to 34, the following effects (i) to (4) are obtained.

 (1) When authenticating a person using a portable information terminal on which unique information such as a code registered in advance for the person is displayed, the unique information displayed on the portable information terminal is over- Is done. Therefore, a new unique identifier can be issued after trust from the owner of the mobile phone and the owner of the mobile phone to the user, so that the authentication system of this authentication system can be improved. Avoid abuse.

 (2) By storing the dish of unique information at the remote authentication center, not at the store, etc. Compared with: ^, the authentication system can be simplified and the possibility of its leakage can be confirmed.

 (3) When authenticating an individual using a portable information terminal in which unique information such as a key or a code that is viewed in advance for the individual is displayed and the individual's password is pre-set, the mobile ^ S terminal The unique information that is sent is fF over time, and the passcode of the user is not recognized by this fiber band information terminal. Therefore, a new unique ft ^ can be issued from the owner of the mobile clearing device to the time tf of the individual, and the reliability of authentication by this authentication system can be improved. Can be avoided. Also, even if the end of this band is in β! ^ The possibility of reading the passcode from the obi terminal can be eliminated, and abuse by a third party can be avoided.

(4) The authentication of many stores, etc. by storing the Wei of the combination of 'Sword and Unique' ^: in the remote authentication な く @Sen Yuichi instead of the authentication execution error of stores etc. Compared to the case where these are stored in each execution area, the configuration of this authentication system can be simplified and the possibility of registration leakage can be more reliably eliminated. 〗

 According to the invention of claims 35-49, there are the following effects 5) to 10).

 (5) When performing personal authentication and payment settlement using a personal digital assistant on which personal information such as a bar code registered in advance for the individual is displayed, the personal information displayed on the mobile it information terminal is sensitive. To: ff. Therefore, a new unique ft report can be issued after trust from the owner of the mobile phone information terminal to the time of Htf of the user, so that the credibility of authentication by this authentication system can be improved, and misuse by a third party can be achieved. Can be avoided.

 (6) By storing the unique 'ff g and decision ^ ¾information set ^: in a remote authentication center instead of an authentication execution area for stores, etc., the authentication execution area consisting of many stores Compared to storing these files in each case, the structure of this authentication system can be simplified and the possibility of the fiber leakage can be further eliminated.

 (7) By authenticating the user using the mobile clearing terminal on which the unique information is displayed, the user is not required to confirm his / her identity, and to support the purchase of goods and affairs from a predetermined destruction. Can be settled. According to this, it becomes possible to handle high-priced products even at convenience stores and the like, which leads to improvement of convenience stores and the like.

(8) When performing personal authentication and payment settlement using a personal digital assistant that displays personal information such as a bar code in advance for the individual and for which the individual's knowledge is expected, The unique information displayed on the information terminal is changed over time, and the passcode of the user is not recognized by the portable US terminal. Therefore, it is possible to issue `` new unique '' after trusting from the owner of the mobile terminal to the ¾if of the user from the owner of the remote terminal 、 ^, so that the iiHjg of authentication by this authentication system can be improved, and the third party can Avoid abuse. Also, even if the terminal in question is a male, the possibility that a third party can read the password from the mobile phone terminal can be excluded, and misuse by the third party can be avoided. (9) By storing the password, the unique information, and the payment destination information in the remote authentication area rather than in the authentication execution area of the store, etc., the authentication area consisting of many stores etc. can be stored. Compared to storing these in each case, the configuration of this authentication system can be simplified, and the possibility of its leakage can be more reliably eliminated.

 (10) By authenticating the individual using a portable magical information terminal on which the unique information is displayed and the individual's passcode has been entered, the purchaser can purchase the goods from the predetermined payment destination or ^^ Payments for services. According to this, it will be possible to handle high-priced products even at convenience stores, etc., leading to improvements at convenience stores.

 As described above, according to the present invention, it is possible to avoid misuse by a third party when authenticating a person using a portable object.

 Further, according to the present invention, it is possible to avoid misuse by a third party when performing authentication of a person and settlement of payment using a portable object.

 Further, according to the present invention, payment can be easily made even at a store such as a convenience store where a credit card cannot be used without using a prepaid card.

 In addition, the operation for authenticating the user can be extremely simplified by reading the uniqueness of the mobile phone such as the mobile phone ftiS ^ by using.

 Further, according to the present invention, it is possible to securely authenticate an individual.

 Further, according to the present invention, payment can be settled safely without cash.

Claims

The scope of the claims

(1) In the method of authenticating the owner of the mobile phone ^ J,

 In addition to saying in advance that the uniqueness of the mobile phone can be read, the user's 5-pass guide is foreseeable in combination with the above unique information in a state in which the user is not allowed to use the 5-pass guide.

 When the combination of the unique information read by the owner presented by the owner of the mobile device and the passpad entered by the owner of this discussion »1 is assumed to be a predetermined value, the owner Authentication method that authenticates the user with the person.

0

(2)

The combination of password and unique information ^: is issued by the authentication management center at the remote authentication management center.

 The unique information read by the authentication execution error and the input password string are properly identified by the authentication basket center via the communication network and recognized.

 Authentication The authentication result obtained in the first session is referred to authentication execution '5' via the communication network.

 (3) The authentication method according to contract 11 or 2, wherein the unique distance is read from.

 (4) The authentication method according to page 1 or 2, wherein the image information output by the editor reads the unique information by recognizing the unique information composed of barcode information. 0

( Five )

Contract page 1 to be one of a mobile terminal, credit card, ic card, division card, car license, passport

4, the word recognition method.

 (6) Part 3 The unique information in any one of claims 1 to 55, wherein the unique information includes at least one of a number, a Θmai 1 address, a mobile number 18, a card number, a disclaimer number, and a passport number. Authentication method.

(7) In a system for recognizing and certifying the owner of a portable object, In advance, make a statement in the form of a pillow that can read the unique information of the mobile phone, and do not tell the passcode of the person in question. In advance,

 When the combination of the unique information read by the owner of the fiber »and the password entered by the owner of the fiber ^: is the same as before, ^! An authentication system that requires a means of authenticating a person to authenticate itself.

(8)

The combination of password and unique information ^ "is seen from the certification execution error on the means provided in the remote authentication management center.

 The combination of the unique information read by the authentication execution error and the input node is sent to the authentication means provided in the authentication management center via the communication network, and the authentication is performed.

 8. The authentication system according to claim 7, wherein an authentication result obtained by the authentication center is transmitted to an authentication execution expert via a communication network.

 (9) An authentication system that reads the unique 3f g from the »section» 17 or 8 words 3®.

 (10) A recognition system that recognizes the unique information consisting of the image output by the innocence or the bar code information, and reads the unique information.

 (11) Tooth «1» Contract that is one of a mobile terminal, credit card, IC card, David card, car license, and nosport Authentication system.

 (12) Part 3 Specific information is at least one of the following items: e-mail address, e-mail address, carrier $ ^ number, card number, license number, passport number. Authentication system.

(13) Authenticate the owner of the mobile phone and pay the owner In the settlement method,

 Unique to the mobile phone ϋ In addition to pretending to be able to read the #, it is also a combination of the above unique information in a pillow form that will not let the pass word and decision of the person ^ 1 Beforehand,

 When the pair of the unique information read from the mobile phone presented by the owner of the mobile phone and the passcode entered by the owner ^: A payment method in which a person is authenticated and the owner's payment is settled by the person's decision from the decision {5} in advance.

 (1) The combination of the Ml password and the unique information and decision information ^: is sent to the remote authentication management center from the authentication execution area.

 The combination of the unique information read in the authentication execution area and the input password ^: is authenticated by the authentication management center via the communication network.

 The settlement method described on page 13 in which the authentication result obtained in the authentication management center is told to the authentication execution judge via the communication network.

 (15) 歲 ^) The settlement method described on page 13 or 14 of reading subscribed information to be read.

 (16) The recognition method according to page 13 or 14, wherein the unique information consisting of the image ^ or the bar code 'output by reading the unique information is recognized.

 (17) mm mm ^^^ mobile terminal, credit card, IC power

—Debit card, car driver's license, passport, or any of the payment methods described in any of the contracts II-3-16.

 (18) If the unique information is at least one of the following numbers, e-mail address, mobile phone number, password, license number, passport number, please contact 13-13 to 17 The settlement method described.

Authenticates the owner of (19) with the owner and pays the owner In the settlement system,

 In addition to saying 3 ^ in advance in a format that can read the unique ^^ S to the mobile phone, the combination of the above-mentioned unique information in a t format that does not deem the passport of the person and the destination It report ^: In advance as a means,

 When the combination of the unique information read from the mobile phone presented by the owner of the subject and the passcode entered by the owner of the common knowledge ^: is a pre-registered one ^ ^ Payment system that recognizes the person as the person himself, and has a means of payment for the payment of the owner of the person from the decision registered in advance by the person's decision-making report, ^ ¾. .

 (20) The combination of leaked three-pass code, unique information and decision ^: is based on the means provided in the remote authentication management center from the authentication execution area.

 The combination of the unique information read by the authentication execution error and the input passcode ^^ is transmitted to the authentication means provided in the authentication management center via the communication network, and the authentication is performed.

 10. The settlement system according to claim 19, wherein the authentication result obtained by the authentication management center is transmitted to an authentication execution area via a communication network.

 (21) The settlement system according to claim 19 or 20, wherein a unique newsletter is read from the belt article by using.

 (22) The settlement system according to claim 19 or 20, which reads the unique information by recognizing the unique information including the image output by the competition or the barcode information.

( twenty three)

The settlement system described in any one of the following claims, which is a mobile terminal, a credit card, an IC card, a division card, a car license, or a passport.

(2 4) Claim 1 in which the self-specific information includes at least one of a number, an e-mail address, a mobile MlSSt number, a card number, a license number, and a passport number. The settlement system according to any one of 9 to 23.

 (25) In the method of authenticating the owner of the mobile clearing device with the person, the unique information prepared for the person is displayed with ^ II that can be read by the mobile clearing device,

 When the unique information read from the mobile phone handset presented by the owner of the mobile phone is changed to the unique information 予 め ^ in advance for the user, the mobile phone is notified that the owner of the mobile phone is Certify,

 An authentication method that preliminarily collects information for a person and uses Mf over time for unique information that can be displayed on a mobile magic information terminal.

 (26) The unique information for the user himself is removed from the authentication management center at the authentication management center with time.

 The unique {f} read by the authentication execution error is applied to the authentication processing center via the communication network and authenticated.

 26. The authentication method according to claim 25, wherein the authentication result obtained by the authentication β center is transmitted to an authentication execution area via a communication network.

 (2 7) In the method of authenticating the owner of a disliked gi with the person, the unique information can be displayed on the portable device in a readable form, and the password of the person must be In the pillow state that does not let you say, in combination with the above unique ff # ^:

 The combination of the unique † f # read from the end of the mobile It 報 terminal presented by the owner of the mobile clearing terminal and the password entered by the owner of the mobile 1 * information terminal ^: When you do ^ Obi! ^ Authenticates the owner of the terminal with the user, and uses the password in combination with the user's password ^: in advance, and uses the unique information that can be displayed on the mobile information terminal as a »HE HE ^ Law.

(28) The unique information for the person is updated over time at the authentication management center. tl As seen by the unique information band information terminal, the combination of the password and the unique information ^: is transmitted from the authentication

 The combination of the unique information read in the authentication execution area and the input password ^^ is authenticated via the communication network!

 Authentication The authentication IE method described in p. 27 on page 27, in which the authentication result obtained in MS Center is sent to an authentication execution agent via a communication network.

 (29) The authentication method described in any one of pages 25 to 28, in which the unique information of the hall 3 is bar code information.

 (30) In a system that authenticates the owner of a mobile public information terminal with the user, the unique information previously provided for the user can be displayed on the portable information terminal using a TO that can be read on the mobile information terminal.

 When the unique ft¾ read from the mobile clearing terminal presented by the mobile ff terminal owner becomes unique in advance for the individual ^ を, the authentication means to authenticate the owner of the terminal in question is authenticated. Prepared,

 An authentication system comprising Ml as a means of viewing in advance of a person's uselessness, and 'f means for making the characteristic that can be displayed on a mobile information terminal over time ^^.

 (3 1) The unique information for the user is temporarily sent to the terminal by the updating means provided in the authentication management center, and the remote authentication is performed by the authentication execution area. The means provided at the BQ¾ center

 The unique information read by the authentication execution error is stored in the authentication means provided at the authentication processing center via the communication network and is authenticated.

 The authentication / authentication system according to claim 30, wherein the authentication result obtained in the authentication process is transmitted to an authentication execution agent via a communication network.

(3 2) In a system that authenticates the owner of the mobile ft information terminal as the person, the mobile ff terminal can display the unique information in a readable state, and also applies the user's passcode! ^ The pillow state that the Obi Seikatsu terminal does not tell is unique to the above! Pair with ^ By means of combination,

 The combination of the unique information read from the mobile phone terminal presented by the owner of the mobile phone report terminal and the passcode entered by the owner of the tt report terminal in the zone ^: At this time, there is provided an authentication means for authenticating the owner of the fiber band detaching terminal with the principal, and in combination with the password of the principal ^: the fiber is preliminarily に ^ and the unique information which can be displayed on the mobile clearing terminal is provided. A certification system comprising an updating means for updating over time.

 (33) l The unique information for oneself is returned over time by the updating means provided in the authentication management center. The unique information is removed to the mobile phone and the combination of passcode and unique information. ^: Approved by remote control from HE execution error, means provided at MS center

 The combination of the passcode input with 'unique' read by the authentication execution error, 'is sent to the authentication means provided at the authentication center via the communication network to authenticate the user.

 The authentication / certification system according to claim 3, wherein the authentication result obtained at the authentication center is sent to the authentication execution judge via the communication network.

 (3 4) Part 3 The authentication system described in any of 30 to 33, in which the unique information is a bar code.

 (35) In the method of authenticating the owner of the mobile clearing device and the payment of the owner of this band's clearing device,

 The unique information registered in advance for the individual can be displayed in a readable form on the mobile clearing device, and the public information of the individual is registered in advance with the unique information ^:

When the unique information read from the mobile phone information terminal presented by the owner of the mobile phone information terminal becomes unique to the user in advance, the owner of the fiber-band information terminal becomes the owner. Authentication and payment by the owner of the associated terminal Settlement from a predetermined decision at

 A settlement method that temporarily ifs specific information to be displayed on a mobile clearing device in advance for the person.

 (3 6) Part 3 Specific information for the person is temporarily stored in the authentication management center! ^? Sa f While being carried to the unique information card information terminal, a combination of the unique information and the clear report ^: is sent from the authentication provider to a remote authentication center.

 The unique information read in the authentication execution area is sent to the authentication processing center via the communication network, and is authenticated.

 36. The method according to claim 35, wherein the authentication result obtained by the authentication center is transmitted to an authentication execution area via a communication network.

 (3 7) In the method of recognizing and certifying the owner of the mobile phone

 In addition to displaying the unique information in a readable form on the mobile phone, the password of the user is not exposed to the local terminal, and the password of the user and the public information " Set in advance with the pair ^:

 The combination of the unique information read from the mobile clearing terminal presented by the owner of the mobile w¾ terminal and the password entered by the owner of the mobile terminal in the consensus band ^: was presumed ^ m. At this time, the owner of the terminal is authenticated as the person in charge, and the payment of the owner of the terminal is settled from the decision made in advance by the person's settlement report ^ fc,

 A payment method that features a combination of the user's passcode and the decision ^ fe f # that is viewed in advance, and that the unique information that can be displayed on the mobile terminal is updated.

(3 8) | & | The unique information for yourself is updated over time at the authentication center. T The unique information is »sent to the mobile information terminal, and the combination of the password, unique information, and the decision is made ^. Authentication ^ Remote authentication from Elya The combination of the unique information read by the authentication execution error and the input passcode is sent to the authentication center via the communication network and recognized.

 Authentication: The payment method described on page 37, in which the authentication result obtained in the first day is returned to the authentication execution expert via the communication network.

 (39) The method described in any one of p.35-38, in which the tiff self-specific information comprises a bar code.

 (40) In a system that authenticates the owner of the mobile phone and checks out the payment fee of the owner of the mobile phone,

In addition to making it possible to display the unique information preset for the individual with 扰 11 that can be read on the mobile information terminal, the decision of the individual ^ ¹ & clearing information in combination with the above unique information ^: to the registration means in advance Wei leave

 When the unique information read from the mobile tt information terminal presented by the owner of the mobile clearing device matches the unique information predetermined for the user, the owner of the obi clearing device is authenticated as the relevant person. , This trouble zone! F¾Provide an authentication means to settle payment from the terminal owner's payment に て f

 A payment system that is based on the provision of updating means for the user in advance to provide viewing means and to make the information unique on the mobile terminal.

 (4 1) The unique information for the lift himself is temporarily updated by the updating means set up in the authentication management center. It is a means that the organization has set up at the authentication center remote from the authentication execution area.

 The unique information read in the authentication execution area is sent to the authentication means provided at the authentication processing center via the communication network, and the BQii

 40. The settlement system according to claim 40, wherein the authentication result obtained by the authentication center is transmitted to an authentication execution area via a communication network.

(4 2) Authenticates the owner of the mobile phone information terminal and owns the mobile phone information terminal To the payment system for payment

 In addition to displaying the unique information on the mobile public information terminal in a readable state, the user's passcode can be displayed on the mobile public information terminal, and the user's payment destination clear information and the unique information can be displayed. I set it as a viewing means in advance with ^ ^

 The combination of the unique information read from the mobile phone screen provided by the owner of the mobile clearing device and the pass! Entered by the owner of the mobile clearing device ^: ^ 予 めAuthenticates the owner of the remote terminal and confirms the payment of the owner of the Obihiro terminal from the decision made in advance in the personal information of the terminal. Authentication means,

 A settlement system comprising: a means for setting a password and a combination of a person's password ^: in advance; and a means for temporarily updating unique information that can be displayed on a mobile information terminal.

 (4 3) Unique information for til himself has been established in the authentication management center! ^ The unique information is transferred to the mobile terminal over time, and the combination of the node 固有 'and the unique ^^ g and the payment destination f » Appreciation

 The combination of the unique information read by the authentication execution error and the input passcode ^: is transmitted to the authentication means provided in the authentication center via the communication network, and is authenticated.

 43. The settlement system according to claim 42, wherein the authentication result obtained by the MS server is transmitted to an authentication execution expert via a communication network.

 (44) The settlement system according to any one of the contract pages 40 to 43 in which the unique information is a bar code f¾.

 (45) The settlement system according to any one of Claims 0 to 44, wherein the payment of the owner of the Knitting obi Seikiho can display ^ |

(4 6) l The owner of the obi suiho terminal will be notified of the payment Mobile [f¾ The payment system according to any one of pages 40 to 45, which can be displayed on a terminal.

 (47) The settlement system according to any one of claims 40 to 46, wherein payment by the owner of the obi information terminal, payment to the destination, and information can be displayed on the orchid information terminal.

 (48) The settlement system according to any one of claims 40 to 47, wherein crane information of the owner of the obi clearing terminal can be displayed on the knowledgeable terminal.

 (49) Preface Obi Suiho 報 Display profit information such as service point information and coupon information provided in accordance with the amount paid by the owner of に ^ on the obi '^ terminal. 49. The settlement system according to any one of 40 to 48.