JP2003006549A - Cash payment system and method by using portable telephone loaded with fingerprint authentication device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To overcome such a problem that a consumer cannot make cash payment in a retail store by utilizing a portable telephone. SOLUTION: A portable telephone 10 with a fingerprint authentication device 11 capable of authenticating the fingerprint of the consumer 1 and a register 20 with a cradle 21 for relaying communication with the portable telephone by placing the portable telephone in the retail store 2 are connected through a network 4 to the consumer account 30 and retail store account 31 of a financial institution 3. When purchasing merchandise, the consumer presents the portable telephone and proves that the portable telephone is owned by the consumer himself/herself by using the fingerprint authentication device. After the proof, the data of the amount of money to be paid are stored in the portable telephone and the register of the retail store, and the money amount is withdrawn from the financial institution specified by the consumer on the basis of the data.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a cash payment system and method using a mobile phone equipped with a fingerprint authentication device, and in particular, when the consumer purchases a product at a retail store using the mobile phone, TECHNICAL FIELD The present invention relates to a cash payment system and method by a mobile phone equipped with a fingerprint authentication device, which presents a telephone, uses a fingerprint authentication device to prove that the mobile phone belongs to the person, and pays cash.

[0002]

2. Description of the Related Art As a conventional technique, Japanese Patent Laid-Open No. 9532/1993
A mobile phone device is described in Japanese Patent Laid-Open No. 9.

In the conventional mobile phone device, even a third party can easily operate the transmission / reception part by turning on the power supply, so that there is a drawback that an illegal call is made. In order to provide a mobile phone device in which only a specific person can make a call in order to prevent such unauthorized use, the mobile phone device stores the first personal characteristic information of the specific user. Storage means, input means for reading and inputting the second characteristic information of the user from the human body of the user, and the first means.
And a second comparing means for comparing the second characteristic information with each other. By comparing the comparing means, the first and the second characteristic information are obtained.
When the characteristic information of (1) coincides with at least the transmitting / receiving means, the means is placed in an operating state.

Human body first characteristic information of a specific user is previously stored in the storage means, and the second characteristic information of the user is read from the human body of the user through the input means and input, and comparison is made. If the two match with each other by means of the means, at least the transmitting / receiving means can be put into the operating state, so that the unauthorized use of the mobile phone device by a third party can be prevented.

When the mobile phone is opened, a speaker and a display unit for displaying the telephone number, the name of the person to call, and the like are provided on one side. The other side is equipped with a keyboard and a microphone for entering phone numbers. Further, a fingerprint reading unit is provided on the side where the keyboard and the microphone are provided.

First, in order to use the portable telephone device, only a person who is permitted to use the fingerprint device in advance registers the fingerprint. The fingerprint registration is performed by converting the fingerprint generation from a finger placed on the fingerprint reading unit into a signal, for example, by using a piezoelectric sheet, and extracting only the characteristic portion of the fingerprint image by the fingerprint image characteristic extraction unit and inputting it into the memory for storage. deep. When a person who has registered a fingerprint on the mobile phone device by such an operation attempts to use the mobile phone device, the following operation is performed.

First, when the user puts his / her finger on the fingerprint reading unit, the fingerprint ridge is converted into a signal, and this signal is input to the fingerprint image feature extraction unit. A characteristic portion of the fingerprint image is extracted from the input signal and input to the comparison unit.
On the other hand, a fingerprint image registered in advance is read from the memory and input to the comparison unit. After that, the two are compared by the comparison unit, and if they match, the control unit is operated. The control unit closes the switch to supply the power of the power supply unit to the transmitting / receiving unit and the like. As a result, the power is supplied to the transmission / reception unit for the first time in the mobile phone device, so that the user can talk by operating the mobile phone device. As a result, a person who has not registered his / her fingerprint cannot use this mobile phone device, and thus it is possible to prevent unauthorized use by a third party.

As described above, the human body characteristic information of a person who can use the portable telephone device is stored in advance in the portable telephone device, and when the telephone device is used, the specific information of the user is read from the human body. As long as the information is entered and does not match the information stored in advance, it is possible to prevent unauthorized use of the mobile phone device by a third party.

Next, Japanese Patent Laid-Open No. 2000-227937 discloses a price payment method and a price payment system.

This is a method for the purchaser to pay the purchase price from the deposit account held in the financial institution, and the purchaser registers the information regarding the payee in the financial institution. , When the payment request is received, the purchaser at least the information about the payee registered in the payee information registration step and the information about the payment amount,
Based on the payment information transmitting step of transmitting to the financial institution and the payment information transmitted in the payment information transmitting step, the financial institution is from the purchaser's deposit account and the payee is the financial institution. And an inter-account fund transfer process for transferring the same amount of funds as the payment amount to the deposit account provided in.

Payment for payment so that the consumer, that is, the purchaser of the goods, can pay the purchase price by using a mobile phone, a general subscriber phone (construction phone), a personal computer connected to the Internet, or the like. It is about technology.

A method for a purchaser to pay a purchase price from a deposit account held at a financial institution, wherein the purchaser
Payment information registration step of registering information about the payment destination in the financial institution, and at the time of receiving a payment request, the purchaser at least relates to the payment destination information registered in the payment destination information registration step and the payment amount. Based on the payment information transmitting step of transmitting the information to the financial institution and the payment information transmitted in the payment information transmitting step, the financial institution can transfer the information from the deposit account of the purchaser to the payee. It is solved by a payment method including an inter-account fund transfer process of transferring the same amount of funds to the deposit account held in the financial institution.

A new form of payment can be carried out by fully utilizing the advantages of each transfer and account transfer. In particular, the purchaser can determine the payment amount and the payment date by his / her own judgment, and can actually make the actual payment.

[0014]

The first problem with the above-described conventional mobile phone equipped with the fingerprint authentication device, the payment method, and the payment system is that the consumer uses the mobile phone to make a purchase at a retail store. Can't make cash payments in.

The reason is that the mobile phone equipped with the fingerprint authentication device for authenticating itself, the payment method and the payment system, and the retail store function independently of each other.

The object of the present invention is that the consumer presents a mobile phone at the time of purchasing a product, certifies that the mobile phone is his / her own by using a fingerprint authentication device, and after the proof, the payment amount is paid. Data is stored in mobile phones and retail store registers,
It is an object of the present invention to provide a cash payment system and method using a mobile phone equipped with a fingerprint authentication device in which an appropriate amount of money is deducted from a financial institution designated by a consumer based on the data.

[0017]

[MEANS FOR SOLVING THE PROBLEMS] A cash payment system using a mobile phone equipped with the fingerprint authentication device of the first invention is a mobile phone equipped with a fingerprint authentication device capable of performing fingerprint authentication of a consumer.
A cash register with a cradle that relays communication with a mobile phone by placing a mobile phone in a retail store is connected to a consumer account of a financial institution and a retail store account via a network. The consumer presents the mobile phone and uses a fingerprint authentication device to prove that the mobile phone is his / her own, and after verification, the payment amount data is stored in the mobile phone and the register of the retail store, Based on the data, the money is deducted from the financial institution designated by the consumer.

A cash payment system using a mobile phone equipped with the fingerprint authentication device of the second invention is a function of relaying communication between a mobile phone equipped with a fingerprint authentication device capable of fingerprint authentication of a consumer and a mobile phone of a retail store. With a configuration in which the internal register of the product is connected to a consumer account of a financial institution and a retail store account via a network, the consumer presents a mobile phone at the time of product purchase and uses the fingerprint authentication device to carry the mobile phone. After certifying that the phone is the one who owns it, the payment amount data is stored in the mobile phone and the register of the retail store, and the amount is deducted from the financial institution designated by the consumer based on the data. Be done.

A cash payment system using a mobile phone equipped with the fingerprint authentication device of the third invention is a mobile phone equipped with a fingerprint authentication device capable of fingerprint authentication of a consumer and a mobile phone by placing a mobile phone of a retail store. The register with a cradle that relays the communication of is connected to the card deduction system of the card company and the retail store account of the financial institution via the network, and the consumer presents the mobile phone when purchasing the product, The fingerprint authentication device is used to prove that the mobile phone belongs to the person, and after the proof, the payment amount data is stored in the mobile phone and the register of the retail store. The amount will be withdrawn from the card withdrawal system of the specified card company.

A cash payment system using a mobile phone equipped with the fingerprint authentication device of the fourth invention is a function for relaying communication between a mobile phone with a fingerprint authentication device capable of fingerprint authentication of a consumer and a mobile phone of a retail store. The internal cash register is connected to the card withdrawal system of the card company and the retail store account of the financial institution via the network.When purchasing the product, the consumer presents the mobile phone and uses the fingerprint authentication device. Certify that the mobile phone is that of the owner, and after the proof, the payment amount data is stored in the mobile phone and the register of the retail store, and based on that data, the card company specified by the consumer The amount is withdrawn from the card withdrawal system.

A cash payment system using a mobile phone equipped with the fingerprint authentication device of the fifth invention is a mobile phone equipped with a fingerprint authentication device capable of fingerprint authentication of a consumer and a mobile phone by placing a mobile phone of a retail store. A register with a cradle that relays the communication of the above is connected via a network to a consumer account and a retail store account of a financial institution and a server that stores purchase information, which is history information of products purchased by the consumer at the retail store. With this configuration, the consumer presents the mobile phone at the time of purchasing the product, certifies that the mobile phone is his / her own by using the fingerprint authentication device, and after the verification, the payment amount data is stored in the mobile phone. Stored in the register of the retail store, the amount of money is deducted from the financial institution designated by the consumer based on the data, and the purchase information accumulated in the server is connected to the server via the network. Use the amount by which can be confirmed.

A cash payment system using a mobile phone equipped with the fingerprint authentication device of the sixth invention is a function for relaying communication between a mobile phone equipped with a fingerprint authentication device capable of fingerprint authentication of a consumer and a mobile phone of a retail store. With a configuration in which the register that contains the is connected to a consumer account of a financial institution and a retail store account via a network, and a server that stores purchase information, which is history information of products purchased by the consumer at the retail store, When purchasing a product, the consumer presents the mobile phone and uses a fingerprint authentication device to prove that the mobile phone is his / her own. The purchase amount stored in the server is deducted from the financial institution designated by the consumer based on the data, and the purchase information stored in the server is connected to the server via the network to determine the usage amount. You can be sure.

A cash payment system using a mobile phone equipped with the fingerprint authentication device of the seventh invention is a mobile phone equipped with a fingerprint authentication device capable of fingerprint authentication of a consumer and a mobile phone by placing a mobile phone of a retail store. A register with a cradle that relays the communication of the store stores the purchase information, which is the history information of the product purchased by the consumer in the store, and the card withdrawal system of the card company and the retail store account of the financial institution via the network. With the configuration that the server is connected, the consumer presents the mobile phone at the time of purchase of the product, and proves that the mobile phone is his / her own by using the fingerprint authentication device,
After proof, the payment amount data is stored in the mobile phone and the register of the retail store, and based on the data, the payment is deducted from the card deduction system of the card company specified by the consumer and the purchase accumulated in the server The information can be used to check the usage amount by connecting to the server via the network.

A cash payment system using a mobile phone equipped with the fingerprint authentication device of the eighth invention is a function for relaying communication between a mobile phone equipped with a fingerprint authentication device capable of fingerprint authentication of a consumer and a mobile phone of a retail store. A register that contains a card is connected to a card withdrawal system of a card company and a retail store account of a financial institution via a network, and a server that stores purchase information, which is history information of products purchased by consumers at retail stores. In the configuration, the consumer presents the mobile phone at the time of purchasing the product, uses the fingerprint authentication device to prove that the mobile phone is his / her own, and after the proof, the payment amount data is stored in the mobile phone and the retail The purchase information stored in the store's register is deducted from the card deduction system of the card company specified by the consumer based on the data, and the purchase information stored in the server is saved. Network can check the available amount of money by connecting to the server via the.

According to a ninth aspect of the present invention, there is provided a cash payment method using a mobile phone equipped with a fingerprint authentication device, which includes a mobile phone equipped with a fingerprint authentication device capable of performing fingerprint authentication of a consumer and a mobile phone by placing a mobile phone of a retail store. With a configuration in which a register with a cradle that relays the communication of is connected to a consumer account of a financial institution and a retail store account via a network, the consumer hands the product to be purchased to a salesperson, Place the consumer's mobile phone, put your finger on the fingerprint authentication device of the mobile phone, and prove yourself.
The authentication confirmation information is sent to the register via the cradle, the salesperson confirms the amount of the product and enters the amount data in the register, and the consumer's mobile phone is sent the amount data of the product via the cradle and consumes it. When the purchaser decides to purchase, the payment button on the mobile phone is pushed, the amount of money paid to the mobile phone is stored as data, and the consumer account of the consumer stored in advance on the mobile phone is confirmed by confirming that the amount data has been stored. Number information is sent to the retailer's register through the cradle, the salesperson delivers the product to the consumer after confirming the receipt of the number information, and the amount data of the register flows to the consumer's consumer account of the financial institution through the network, and the The institution transfers cash from the consumer's consumer account to the retail store's retail account based on the cash amount data in the register.

A cash payment method using a mobile phone equipped with a fingerprint authentication device of the tenth aspect of the present invention has a function of relaying communication between a mobile phone equipped with a fingerprint authentication device capable of fingerprint authentication of a consumer and a mobile phone of a retail store. The built-in register is connected to a consumer account of a financial institution and a retail store account via a network.The consumer hands over the product to be purchased to a salesperson and puts a finger on the fingerprint authentication device of the mobile phone. Then, the identity verification is sent to the register, the salesperson confirms the price of the product and enters the price data into the register, and the price data of the product is sent to the consumer's mobile phone. When the consumer decides to purchase, the payment button of the mobile phone is pushed, the amount of money paid to the mobile phone is accumulated as data, and the amount data is confirmed and stored in the mobile phone in advance. The consumer's consumer account number information is sent to the retailer's register, the salesperson delivers the product to the consumer after confirming the receipt of the number information, and the register amount data is the consumer's consumer of the financial institution through the network. The money is transferred to the account, and the financial institution transfers the cash from the consumer's consumer account to the retail store's retail account based on the amount data in the register.

A cash payment method using a mobile phone equipped with the fingerprint authentication device of the eleventh invention is a mobile phone equipped with a fingerprint authentication device capable of fingerprint authentication of a consumer and a mobile phone by placing a mobile phone of a retail store. With a configuration in which a register with a cradle that relays the communication of is connected to a card withdrawal system of a card company and a retail store account of a financial institution via a network, the consumer hands over the product to be purchased to a salesperson and registers. Put the consumer's mobile phone in the cradle, put your finger on the fingerprint authentication device of the mobile phone, prove your identity, send the authentication confirmation information to the register through the cradle, and the sales person Confirm the amount of money and enter the amount of money in the register.The amount of money of the product is sent to the consumer's mobile phone via the cradle, and the consumer purchases. When you decide, press the payment button on the mobile phone, the amount of money paid to the mobile phone is accumulated as data, and by confirming that the amount data is accumulated, the card of the card company to which the consumer subscribes, which is stored in advance on the mobile phone Number information is sent to the retailer's register through the cradle, the salesperson hands over the product to the consumer after confirming the receipt of the number information, and the amount data of the register is the amount from the card withdrawal system of the card company specified by the consumer through the network. Will be deducted and cash will be transferred to the retail account of a financial institution retail store.

A cash payment method using a mobile phone equipped with a fingerprint authentication device of the twelfth invention is a function of relaying communication between a mobile phone with a fingerprint authentication device capable of fingerprint authentication of a consumer and a mobile phone of a retail store. The built-in register is connected to the card withdrawal system of the credit card company and the retail store account of the financial institution via the network.The consumer hands over the product to be purchased to the salesperson, and the fingerprint authentication device of the mobile phone. Put your finger on it, you will be proved to be yourself, the authentication confirmation information will be sent to the register, the salesperson will check the amount of the product and enter the amount data in the register, and the amount of the product on the consumer's mobile phone. When the data is sent and the consumer decides to purchase, press the payment button on the mobile phone, the amount of money paid to the mobile phone is accumulated as data, and the amount data is confirmed. The number information of the card of the card company to which the consumer subscribes, which is stored in the mobile phone in advance, is sent to the register at the retail store, and the salesperson hands over the product to the consumer after confirming the receipt of the number information. The money amount is deducted from the card deduction system of the card company designated by the consumer through the network, and the money is transferred to the retail store account of the retail store of the financial institution.

A cash payment method using a mobile phone equipped with a fingerprint authentication device of the thirteenth invention is a mobile phone equipped with a fingerprint authentication device capable of fingerprint authentication of a consumer and a mobile phone by placing a mobile phone of a retail store. A register with a cradle that relays the communication of the above is connected via a network to a consumer account and a retail store account of a financial institution and a server that stores purchase information, which is history information of products purchased by the consumer at the retail store. With this configuration, the consumer hands over the product to purchase to the salesperson, puts the mobile phone owned by the consumer in the cradle of the register, puts his finger on the fingerprint authentication device of the mobile phone, and proves that he is who he is. Then, the authentication confirmation information is sent to the register via the cradle, the salesperson confirms the amount of the product and enters the amount data in the register. The amount data of the product is sent via the mobile phone, and when the consumer decides to purchase the product, he / she presses the payment button on the mobile phone, and the amount of money paid to the mobile phone is stored as data. The stored consumer account number information is sent to the retailer's register through the cradle, and the server access information stored in the mobile phone in advance causes the mobile phone to connect to the server via the network. The payment amount is stored as data in the server purchase information, the salesperson delivers the product to the consumer after confirming receipt of the number information, and the cash amount data in the register is sent to the consumer account of the financial institution consumer through the network. The financial institution transfers the cash from the consumer's consumer account to the retail store's retail account based on the cash amount data in the register, and the By the access information to the server, the mobile phone is to make sure the use amount of money by connecting to the server via the network.

A cash payment method using a mobile phone equipped with a fingerprint authentication device of the fourteenth invention is a function of relaying communication between a mobile phone with a fingerprint authentication device capable of fingerprint authentication of a consumer and a mobile phone of a retail store. With a configuration in which the register that contains the is connected to a consumer account of a financial institution and a retail store account via a network, and a server that stores purchase information, which is history information of products purchased by the consumer at the retail store, The consumer hands over the product to be purchased to the salesperson, puts his finger on the fingerprint authentication device of the mobile phone, authenticates himself, sends the authentication confirmation information to the register, and the salesperson confirms the price of the product. Enter the amount data in the register, the amount data of the product is sent to the consumer's mobile phone, the consumer presses the payment button on the mobile phone when the purchase is decided, and the amount paid to the mobile phone is the data. By confirming that the amount data has been accumulated, the number information of the consumer account of the consumer, which was previously stored in the mobile phone, is transmitted to the register of the retail store, and further stored in the mobile phone in advance. Depending on the access information to the server, the mobile phone is connected to the server via the network and the amount paid is stored as data in the purchase information of the server, the salesperson hands over the product to the consumer after confirming the receipt of the number information, and The amount data flows through the network to the consumer account of the financial institution consumer,
The financial institution transfers the cash from the consumer's consumer account to the retail store's retail account based on the amount data of the register, and the mobile phone connects to the server via the network by the access information to the server. Check the usage amount.

A cash payment method using a mobile phone equipped with a fingerprint authentication device of the fifteenth invention is a mobile phone equipped with a fingerprint authentication device capable of fingerprint authentication of a consumer and a mobile phone by placing a mobile phone of a retail store. A register with a cradle that relays the communication of the store stores the purchase information, which is the history information of the product purchased by the consumer in the store, and the card withdrawal system of the card company and the retail store account of the financial institution via the network. With the server connected, the consumer hands over the product to be purchased to the salesperson, puts the mobile phone owned by the consumer in the cradle of the register, puts his finger on the fingerprint authentication device of the mobile phone, and is the customer himself. Proved that
The authentication confirmation information is sent to the register via the cradle, the salesperson confirms the amount of the product and enters the amount data in the register, and the consumer's mobile phone is sent the amount data of the product via the cradle and consumes it. When the purchaser decides to purchase, the payment button of the mobile phone is pushed, the amount of money paid to the mobile phone is accumulated as data, and after confirming that the amount of money data has been accumulated, the card that the consumer joins in advance is stored in the mobile phone. The number information of the company card is sent to the register of the retail store through the cradle, the salesperson hands over the product to the consumer after confirming the receipt of the number information, and the access information to the server stored in the mobile phone in advance, The mobile phone is connected to the server via the network and the amount paid is stored as data in the server's purchase information, and the salesperson receives the number information.認後, it delivers the goods to the consumer,
The amount of money in the register is deducted from the card deduction system of the card company specified by the consumer through the network, cash is transferred to the retail store account of the retail store of the financial institution, and the mobile phone uses the network access information to access the network. Check the usage fee by connecting to the server via.

A cash payment method using a mobile phone equipped with a fingerprint authentication device of the sixteenth invention is a function of relaying communication between a mobile phone with a fingerprint authentication device capable of fingerprint authentication of a consumer and a mobile phone of a retail store. A register that contains a card is connected to a card withdrawal system of a card company and a retail store account of a financial institution via a network, and a server that stores purchase information, which is history information of products purchased by consumers at retail stores. With the configuration, the consumer hands the product to be purchased to the salesperson, puts his / her finger on the fingerprint authentication device of the mobile phone, authenticates himself, and the authentication confirmation information is sent to the register. Confirm the amount and enter the amount data in the register, the amount data of the product is sent to the consumer's mobile phone, and the consumer presses the payment button on the mobile phone when he / she decides to purchase. The amount of money paid to the phone is accumulated as data, and by confirmation that the amount of money data has been accumulated, the card number information of the card company of the consumer who has previously stored in the mobile phone is transmitted to the register of the retail store, In addition, the mobile phone is connected to the server via the network and the amount paid is stored as data in the server purchase information based on the server access information stored in advance in the mobile phone. Deliver the product to the consumer, and the amount data of the register will be deducted from the card deduction system of the card company specified by the consumer through the network, cash will be transferred to the retail store account of the financial institution's retail store, and the server will be accessed. Based on the information, the mobile phone confirms the usage amount by connecting to the server via the network.

[0033]

BEST MODE FOR CARRYING OUT THE INVENTION The present invention provides a method for a consumer to make a cash payment at a retail store using a mobile phone. When purchasing a product, the consumer presents the mobile phone and a fingerprint. Use an authentication device to prove that the mobile phone belongs to you, and after verification, the payment amount data will be stored in the mobile phone and retail store registers, and the consumer will specify it based on the data. This is a mechanism in which an appropriate amount of money is deducted from a financial institution that operates.

Next, a first embodiment of the present invention will be described with reference to the drawings.

FIG. 1 is a block diagram showing a first embodiment of a cash payment system and method by a mobile phone equipped with a fingerprint authentication device of the present invention.

The first embodiment of the present invention, as shown in FIG. 1, is a fingerprint authentication device 11 capable of fingerprint authentication of a consumer 1.
A mobile phone 10 with a built-in mobile phone 10 and a register 20 with a cradle 21 that relays communication with the mobile phone 10 by placing the mobile phone 10 of a retail store 2 are networks 4 composed of a telephone exchange network, a mobile telephone exchange network, or the Internet. Via the consumer account 30 of the financial institution 3 and the retail store account 3
1 is connected.

Next, the operation of the first embodiment of the present invention will be described in detail with reference to FIG.

(1) First, the consumer 1 hands the merchandise to be purchased to the salesperson, and places the mobile phone 10 owned by the consumer 1 in the cradle 21 of the register 20.

(2) Next, the consumer 1 puts his finger on the fingerprint authentication device 11 of the mobile phone 10 to prove himself, and the authentication confirmation information is sent to the register 2 via the cradle 21.
(3) The salesperson, who is sent to 0, confirms the price of the product and enters the price data in the register 20.

(4) Price data of the product is transmitted to the mobile phone 10 of the consumer 1 via the cradle 21.

(5) When the consumer 1 decides to purchase, the consumer 1 pushes the payment button of the mobile phone 10 and the amount paid to the mobile phone 10 is accumulated as data (the usage amount can be confirmed later).

(6) When the payment button of the mobile phone 10 is pushed, it is confirmed that the amount data is accumulated, and the consumer account 30 of the consumer 1 stored in the mobile phone 10 in advance is confirmed.
Number information is transmitted to the register 20 of the retail store 2 through the cradle 21.

(7) After confirming the receipt of the number information, the salesperson hands over the product to the consumer 1.

(8) The monetary amount data of the register 20 is sent to the consumer account 3 of the consumer 1 of the financial institution 3 through the network 4.
It flows to 0.

(9) The financial institution 3 transfers the cash from the consumer account 30 of the consumer 1 to the retail store account 31 of the retail store 2 based on the amount data of the register 20.

(10) The cash is withdrawn from the consumer account 30 of the consumer 1, and the detailed schedule is sent to the consumer 1 at a later date.

Next, a second embodiment of the present invention will be described with reference to the drawings.

FIG. 2 is a block diagram showing a second embodiment of a cash payment system and method using a mobile phone equipped with the fingerprint authentication device of the present invention.

The second embodiment of the present invention, as shown in FIG. 2, is a fingerprint authentication device 11 capable of fingerprint authentication of the consumer 1.
A mobile phone 10 with a built-in mobile phone 10 and a register 20 with a cradle 21 that relays communication with the mobile phone 10 by placing the mobile phone 10 of a retail store 2 are networks 4 composed of a telephone exchange network, a mobile telephone exchange network, or the Internet. Via the consumer account 30 of the financial institution 3 and the retail store account 3
1 and a server 5 for accumulating purchase information 50, which is history information of products purchased by the consumer 1 at the retail store 2, are connected.

Next, the operation of the second embodiment of the present invention will be described in detail with reference to FIG.

(1) First, the consumer 1 hands the merchandise to be purchased to the salesperson, and places the mobile phone 10 owned by the consumer 1 in the cradle 21 of the register 20.

(2) Next, the consumer 1 puts his finger on the fingerprint authentication device 11 of the mobile phone 10 to prove himself, and the authentication confirmation information is sent to the register 2 via the cradle 21.
(3) The salesperson, who is sent to 0, confirms the price of the product and enters the price data in the register 20.

(4) Price data of the product is transmitted to the mobile phone 10 of the consumer 1 via the cradle 21.

(5) When the consumer 1 decides to purchase, he pushes the payment button of the mobile phone 10 and the amount paid to the mobile phone 10 is accumulated as data (the usage amount can be confirmed later).

(6) When the payment button of the mobile phone 10 is pressed, it is confirmed that the amount data is accumulated, and the consumer account 30 of the consumer 1 stored in the mobile phone 10 in advance is confirmed.
Number information is transmitted to the register 20 of the retail store 2 through the cradle 21.

(7) After confirming receipt of the number information, the sales person hands over the product to the consumer 1.

(8) The monetary amount data of the register 20 is sent to the consumer account 3 of the consumer 1 of the financial institution 3 through the network 4.
It flows to 0.

(9) The financial institution 3 transfers cash from the consumer account 30 of the consumer 1 to the retail store account 31 of the retail store 2 based on the amount data of the register 20.

(10) Cash is withdrawn from the consumer account 30 of the consumer 1, and the detailed schedule is sent to the consumer 1 at a later date.

(11) By pressing the payment button of the mobile phone 10 at the point of (5), it is confirmed that the amount data is accumulated, and the consumer account of the consumer 1 stored in the mobile phone 10 in advance. The number information of 30 is transmitted to the register 20 of the retail store 2 through the cradle 21, and the mobile phone 10 is connected to the server 5 via the network 4 by the access information to the server 5 stored in the mobile phone 10 in advance. The paid amount is stored as data in the purchase information 50 of the server 5.

(12) Purchase information 5 stored in the server 5
0 indicates the access amount to the server 5 at any time, and the mobile phone 10 can confirm the usage amount by connecting to the server 5 via the network 4.

In the above-mentioned embodiment, an embodiment in which the money is paid directly to the payment institution from the financial institution has been described, but a card withdrawal method is also possible in cooperation with a card company. If the consumer has contracts with multiple card companies, the card company can be selected on the mobile phone screen at the time of payment.

Although the cradle 21 is given as a mechanism for exchanging data between the mobile phone 10 and the register 20, the register 20 itself has a built-in device capable of bidirectional data exchange by the radio signal of the mobile phone 10. Good.

[0064]

As described above, the first effect of the cash payment system and method using a mobile phone equipped with the fingerprint authentication device of the present invention is that the user can purchase a product with one mobile phone without carrying a wallet. It will be possible.

The reason for this is that since the mobile phone is equipped with a fingerprint authentication device, it is possible to confirm the identity of the person by fingerprint authentication.
This is because data can be exchanged bidirectionally with the register using a wireless signal from the mobile phone.

The second effect is that the consumer can easily manage the consumption.

The reason is that the purchase information is stored in the mobile phone or the server and can be viewed at any time.

[Brief description of drawings]

FIG. 1 is a configuration diagram showing a first embodiment of a cash payment system and method by a mobile phone equipped with a fingerprint authentication device of the present invention.

FIG. 2 is a configuration diagram showing a second embodiment of a cash payment system and method by a mobile phone equipped with the fingerprint authentication device of the present invention.

[Explanation of symbols]

1 consumer 2 retail stores 3 financial institutions 4 network 5 servers 10 mobile phones 11 Fingerprint authentication device 20 registers 21 Cradle 30 consumer accounts 31 Retail Account 50 Purchase Information

─────────────────────────────────────────────────── ─── Continuation of the front page (51) Int.Cl. ⁷ identification code FI theme code (reference) H04Q 7/38 H04B 7/26 109H

Claims (16)

[Claims] 1. A mobile phone with a fingerprint authentication device capable of fingerprint authentication of a consumer, and a register with a cradle that relays communication with the mobile phone by placing a mobile phone of a retail store, through a network With a configuration in which the institution's consumer account and retail store account are connected, the consumer presents the mobile phone at the time of purchasing the product, and proves that the mobile phone is his / her own by using a fingerprint authentication device, After the proof, the payment amount data is stored in the mobile phone and the register of the retail store, and based on the data, the fingerprint authentication device is installed, which is deducted from the financial institution designated by the consumer. Mobile cash payment system. 2. A mobile phone equipped with a fingerprint authentication device capable of performing fingerprint authentication of a consumer, and a register having a function of relaying communication with a mobile phone of a retail store, via a network,
A consumer account of a financial institution and a retail store account are connected.When purchasing a product, the consumer presents a mobile phone and uses a fingerprint authentication device to prove that the mobile phone is his or her own. After the certification, the payment amount data is stored in the mobile phone and the register of the retail store, and the amount is deducted from the financial institution designated by the consumer based on the data, and the fingerprint authentication device is installed. Payment system by mobile phone. 3. A mobile phone with a fingerprint authentication device capable of performing fingerprint authentication of a consumer, and a register with a cradle that relays communication with the mobile phone by placing the mobile phone of a retail store on a card through a network. With a configuration in which the company's card withdrawal system and the financial institution's retail account are connected, the consumer presents the mobile phone at the time of purchasing the product, and the fingerprint authentication device is used to confirm that the mobile phone is that of the user. After proof, after the proof, the payment amount data is stored in the mobile phone and the register of the retail store, and the amount is deducted from the card deduction system of the card company specified by the consumer based on the data. A mobile phone cash payment system equipped with a fingerprint authentication device. 4. A mobile phone equipped with a fingerprint authentication device capable of performing fingerprint authentication of a consumer, and a register having a function of relaying communication with a mobile phone of a retail store, via a network,
The card deduction system of the credit card company and the retail store account of the financial institution are connected, and the consumer presents the mobile phone at the time of product purchase, and the mobile phone belongs to the person using the fingerprint authentication device. After the certification, the payment amount data is stored in the mobile phone and the register of the retail store, and the amount is deducted from the card deduction system of the card company specified by the consumer based on the data. A mobile phone cash payment system equipped with a fingerprint authentication device. 5. A mobile phone with a fingerprint authentication device that can perform fingerprint authentication of a consumer, and a register with a cradle that relays communication with the mobile phone by placing a mobile phone of a retail store through a network, The consumer account of the institution and the retail store account are connected to the server that stores the purchase information, which is the history information of the product purchased by the consumer at the retail store, and the consumer presents the mobile phone when purchasing the product. Then, use a fingerprint authentication device to prove that the mobile phone belongs to you, and after the proof, the payment amount data will be stored in the mobile phone and retail store registers. The payment amount is deducted from the financial institution designated by the user, and the purchase information stored in the server can be connected to the server via the network to check the usage amount. A cash payment system using a mobile phone. 6. A mobile phone equipped with a fingerprint authentication device capable of performing fingerprint authentication of a consumer, and a register having a function of relaying communication with a mobile phone of a retail store, via a network,
A consumer account of a financial institution and a retail store account are connected to a server that stores purchase information, which is the history information of products purchased by consumers at retail stores. Present and prove that the mobile phone is that of the person using the fingerprint authentication device, after the proof, the payment amount data is stored in the mobile phone and the register of the retail store, and based on that data, The money is withdrawn from the financial institution designated by the consumer, and the purchase information accumulated in the server can be used to check the usage amount by connecting to the server via a network. Cash from a mobile phone equipped with a fingerprint authentication device. Payment system. 7. A mobile phone with a fingerprint authentication device capable of fingerprint authentication of a consumer, and a register with a cradle that relays communication with the mobile phone by placing the mobile phone of a retail store on a card through a network. The company's card withdrawal system and the financial institution's retail store account are connected to a server that stores the purchase information, which is the history information of the products purchased by the consumer at the retail store. Present the phone and use a fingerprint authentication device to prove that the mobile phone is who you are, and after the proof, the payment amount data will be stored in the mobile phone and in the retail register.
Based on that data, the amount of money is deducted from the card deduction system of the card company specified by the consumer, and the purchase information accumulated in the server can be confirmed by connecting to the server via the network. A mobile phone cash payment system equipped with a fingerprint authentication device. 8. A mobile phone equipped with a fingerprint authentication device capable of performing fingerprint authentication of a consumer, and a register having a function of relaying communication with a mobile phone of a retail store, via a network,
A card withdrawal system of a credit card company and a retail store account of a financial institution are connected to a server that stores purchase information, which is history information of products purchased by retailers by consumers. Present your mobile phone and use a fingerprint authentication device to prove that the mobile phone is yours.After verification, the payment amount data will be stored in the mobile phone and retail store registers. In addition, the amount of money is withdrawn from the card withdrawal system of the card company specified by the consumer, and the purchase information accumulated in the server can be used to check the amount of use by connecting to the server via the network. Cash payment system by mobile phone equipped with. 9. A mobile phone with a fingerprint authentication device capable of performing fingerprint authentication of a consumer, and a register with a cradle that relays communication with the mobile phone by placing a mobile phone of a retail store through a network, With a configuration in which the institution's consumer account and retail store account are connected, the consumer hands the product to purchase to the salesperson, puts the mobile phone owned by the consumer in the cradle of the register, and uses it in the fingerprint authentication device of the mobile phone. Put your finger on it, you will be proved yourself, authentication confirmation information will be sent to the register through the cradle, and the salesperson will check the price of the item and enter the amount data in the register.
The amount data of the product is sent to the consumer's mobile phone via the cradle, the consumer presses the payment button on the mobile phone when he / she decides to purchase, and the amount paid to the mobile phone is accumulated as data, and the amount data is accumulated. By the confirmation, the consumer's consumer account number information stored in the mobile phone in advance is transmitted to the register of the retail store through the cradle, and the salesperson hands over the product to the consumer after confirming the receipt of the number information. The cash amount data of the register flows to the consumer account of the consumer of the financial institution through the network, and the financial institution confirms that cash is transferred from the consumer account of the consumer to the retail account of the retail store based on the cash amount data of the register. A cash payment method using a mobile phone equipped with a characteristic fingerprint authentication device. 10. A register having a function of relaying communication between a mobile phone equipped with a fingerprint authentication device capable of performing fingerprint authentication of a consumer and a mobile phone of a retail store, via a network,
With a configuration in which a consumer account of a financial institution and a retail store account are connected, the consumer hands over the product to be purchased to a salesperson, puts his finger on the fingerprint authentication device of the mobile phone, and is proved to be the original person. The authentication confirmation information is sent to the register, the salesperson confirms the price of the product and enters the price data in the register, the price data of the product is sent to the consumer's mobile phone, and the consumer decides to purchase the mobile phone. When the payment button is clicked, the amount of money paid to the mobile phone is stored as data, and the confirmation that the amount data has been stored indicates that the consumer's consumer account number information stored in advance on the mobile phone is registered at the retail store. The sales person delivers the product to the consumer after confirming the receipt of the number information, and the amount data of the register flows to the consumer account of the consumer of the financial institution through the network, and the financial institution registers Cash payment method by the mobile phone equipped with a fingerprint authentication device, characterized in that it is credited to cash in retail stores account of retail stores from the consumer account of the consumer on the basis of the amount of money data. 11. A mobile phone with a fingerprint authentication device capable of fingerprint authentication of a consumer, and a register with a cradle for relaying communication with the mobile phone by placing a mobile phone of a retail store, through a network, a card. With the configuration that the company's card withdrawal system and the financial institution's retail account are connected, the consumer hands the product to purchase to the salesperson,
Put the consumer's mobile phone in the cradle of the register, put your finger on the fingerprint authentication device of the mobile phone, prove your identity, send the authentication confirmation information to the register through the cradle, and the salesperson Confirm the price of the product and enter the price data in the register, the price data of the product is sent to the consumer's mobile phone via the cradle, and the consumer presses the payment button on the mobile phone when he / she decides to purchase the product. The amount of money paid to the store is stored as data, and upon confirmation that the amount data has been stored, the number information of the card company card that the consumer subscribes to, which was stored in the mobile phone in advance, is sent to the retailer's register through the cradle. After confirming receipt of the number information, the sales person delivers the product to the consumer, and the amount data in the register is specified by the consumer through the network. Cash payment method by the mobile phone equipped with a fingerprint authentication device, characterized in that the amount of money from the card debit system is credited to cash in retail stores account of retail debited financial institutions. 12. A card withdrawal system of a credit card company of a credit card company via a network, which has a function of relaying communication between a mobile phone equipped with a fingerprint authentication device capable of fingerprint authentication of a consumer and a mobile phone of a retail store. With a configuration in which the retail store account of a financial institution is connected, the consumer hands over the product to be purchased to the salesperson, puts his finger on the fingerprint authentication device of the mobile phone, is proved to be the person himself, and the authentication confirmation information Is sent to the register, the salesperson confirms the price of the product and enters the amount data in the register, the price data of the product is sent to the consumer's mobile phone, and the consumer pays the payment button on the mobile phone when the purchase is decided. Press to store the amount of money paid to the mobile phone as data, and confirm that the amount data has been stored. The number information of the card is sent to the register of the retail store, the salesperson confirms the receipt of the number information, and then delivers the product to the consumer, and the amount data of the register is the amount from the card withdrawal system of the card company specified by the consumer through the network. A cash payment method using a mobile phone equipped with a fingerprint authentication device, in which cash is transferred to a retail store account of a financial institution's retail store. 13. A mobile phone with a fingerprint authentication device capable of performing fingerprint authentication of a consumer, and a register with a cradle that relays communication with the mobile phone by placing a mobile phone of a retail store through a network, With a configuration in which a consumer account of an institution and a retail store account are connected to a server that stores purchase information, which is the history information of the products purchased by the consumer at the retail store, the consumer hands the product to be purchased to a salesperson. Put the consumer's mobile phone in the cradle of the register,
Put your finger on the fingerprint authentication device of the mobile phone, prove your identity, authentication confirmation information will be sent to the register via the cradle, the salesperson will check the price of the product and enter the amount data in the register, The amount data of the product is sent to the consumer's mobile phone via the cradle, the consumer presses the payment button on the mobile phone when he / she decides to purchase, and the amount paid to the mobile phone is accumulated as data, and the amount data is accumulated. By the confirmation, the number information of the consumer account of the consumer stored in advance in the mobile phone is transmitted to the register of the retail store through the cradle, and the access information to the server stored in advance in the mobile phone is used. The mobile phone is connected to the server via the network and the amount paid is stored as data in the server's purchase information, after which the salesperson confirms that the number information has been received. The product is delivered to the consumer, and the cash amount data of the cash register flows to the consumer account of the financial institution consumer through the network, and the financial institution uses the cash amount data of the cash register from the consumer's consumer account to the retail store account of the retail store. A cash payment method using a mobile phone equipped with a fingerprint authentication device, in which cash is transferred to a server, and the mobile phone is connected to the server via a network to check the usage amount according to access information to the server. 14. A mobile phone equipped with a fingerprint authentication device capable of performing fingerprint authentication of a consumer, and a register having a function of relaying communication with a mobile phone of a retail store, via a network, a consumer account of a financial institution. The retail account and the server that stores the purchase information, which is the history information of the product purchased by the consumer at the retail store, are connected.The consumer hands over the product to be purchased to the sales person, and the fingerprint of the mobile phone. Put your finger on the authentication device to prove that you are who you are, the authentication confirmation information is sent to the register, the salesperson confirms the price of the product and enters the amount data in the register. When the consumer decides to purchase, the consumer presses the payment button on the mobile phone, the amount of money paid to the mobile phone is accumulated as data, and the mobile phone is confirmed in advance by confirming that the amount data has been accumulated. The number information of the consumer's consumer account stored in is sent to the register of the retail store, and the access information to the server stored in the mobile phone in advance causes the mobile phone to connect to the server via the network. The connected and paid amount is accumulated as data in the purchase information of the server, the salesperson hands over the product to the consumer after confirming receipt of the number information, and the amount data of the register flows to the consumer account of the consumer of the financial institution through the network. The financial institution transfers the cash from the consumer's consumer account to the retail store's retail account based on the register amount data, and the mobile phone can connect to the server via the network according to the access information to the server. A cash payment method using a mobile phone equipped with a fingerprint authentication device, which is characterized by confirming the amount of money used. 15. A mobile phone with a fingerprint authentication device capable of performing fingerprint authentication of a consumer, and a register with a cradle for relaying communication with the mobile phone by placing a mobile phone of a retail store on a card through a network. With a configuration in which a company's card withdrawal system and a retail store account of a financial institution are connected to a server that stores purchase information, which is history information of products purchased by retailers, consumers sell the products they purchase. Hand it to the employee, put the consumer's mobile phone in the cradle of the register, put your finger on the fingerprint authentication device of the mobile phone, prove that you are the person, and send the authentication confirmation information to the register via the cradle , The salesperson confirms the price of the product and enters the price data in the register,
The amount data of the product is sent to the consumer's mobile phone via the cradle, the consumer presses the payment button on the mobile phone when he / she decides to purchase, and the amount paid to the mobile phone is accumulated as data, and the amount data is accumulated. Based on the confirmation, the number information of the card company card that the consumer subscribes to, which was stored in the mobile phone in advance, is sent to the register of the retail store through the cradle. The mobile phone is connected to the server via the network and the amount paid is stored as data in the purchase information of the server by the access information stored in the mobile phone in advance. After confirming the receipt, the product is handed over to the consumer, and the amount data in the register is paid by the card company specified by the consumer through the network. Credited the cash in a retail store retail stores account of a financial institution is debited the amount of money from the system,
A cash payment method using a mobile phone equipped with a fingerprint authentication device, characterized in that the mobile phone is connected to the server via a network to confirm the usage amount based on access information to the server. 16. A card withdrawal system of a credit card company of a card company via a network, which has a built-in function of relaying communication between a mobile phone equipped with a fingerprint authentication device capable of fingerprint authentication of a consumer and a mobile phone of a retail store. Also, a retail store account of a financial institution is connected to a server for accumulating purchase information, which is history information of products purchased by consumers at retail stores. Put your finger on the fingerprint authentication device of the phone, you are proved to be yourself, the authentication confirmation information is sent to the register, the salesperson confirms the price of the product and enters the amount data in the register, the consumer's mobile phone The price data of the product is sent to, and when the consumer decides to purchase, the payment button of the mobile phone is pushed, the amount of money paid to the mobile phone is accumulated as data, and the amount data is accumulated. By the confirmation, the number information of the card of the card company to which the consumer subscribes, which was stored in the mobile phone in advance, is sent to the register of the retail store, and the access information to the server stored in the mobile phone in advance The mobile phone is connected to the server via the network and the amount paid is stored as data in the server's purchase information, the salesperson hands over the product to the consumer after confirming receipt of the number information, and the amount data in the register is consumed through the network. The amount of money is deducted from the card deduction system of the card company specified by the person, cash is transferred to the retail store account of the financial institution's retail store, and by the access information to the server,
A mobile phone cash payment method using a mobile phone equipped with a fingerprint authentication device, in which the amount of money used is confirmed by connecting to a server via a network.