JP2004110351A - Electronic settling method using key - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To electronically settle an account with a car key, and to improve security of electronic settlement. <P>SOLUTION: When inserting a key into a key cylinder of a car (1), issue of an IC code for electronic settlement is requested to an electronic settlement support server, while adding a vehicle code of the car, and the server supplies the IC code for electronic settlement, which is not supplied yet, in response to the corresponding request (2). When electronically settling in an electronic settling store (3), the vehicle code and the IC code for electronic settlement are input to an electronic settling device of the electronic settling store from a key-less entry unit integrated with the key, and the electronic settling device 1 transmits the input vehicle code and the input IC code for electronic settlement to the server to request identification (4), and electronically settles an account on the basis of a result of the identification (5). <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to an electronic payment method using a key, and more particularly, to an electronic payment method using a key of a car integrated with a keyless entry unit.
[0002]
[Prior art]
Keyless entry of recent car keys is so popular that door locks can be turned on / off and security can be turned on / off without inserting a key. Immobilizer systems that enhance vehicle security have also been put to practical use. The immobilizer system performs an electronic authentication procedure between the dedicated key and the car body. If the ID codes of the two do not match as a result of the electronic verification, the immobilizer system cuts off the electricity used to power the car and stops the engine It is a mechanism that makes it happen.
As a payment method, a method using a credit card is mainly used, but in the future, electronic payment by authentication using an IC card, a mobile phone, or the like is assumed. There has been proposed a system for securely and securely performing payment on a network without using a credit card (Japanese Patent Laid-Open No. 2002-150195). However, this is not an electronic payment method using a car key.
[Patent Document 1] JP-A-2002-150195 (abstract)
[0003]
[Problems to be solved by the invention]
In today's car society, it is common to go shopping by car. Also, as long as you drive a car, it is natural to purchase gasoline during driving. In addition, it is common to carry a car key and a house key together in a key ring without having to go out by car. From the above, it is convenient if there is an electronic payment system based on the key of a car that a person who has a car will surely have, but at present there is no such electronic payment system.
In view of the above, an object of the present invention is to enable electronic payment with a car key.
Another object of the present invention is to enhance the security of electronic payment.
[0004]
[Means for Solving the Problems]
The present invention relates to an electronic payment method using a car key in which a keyless entry unit is integrated. When the (1) key is inserted into a key cylinder of the car, an electronic payment ID is attached by attaching a vehicle code of the car. The electronic payment support server requests the electronic payment support server to issue a code. (2) The electronic payment support server issues an unissued electronic payment ID code in response to the request and checks the correspondence between the vehicle code and the electronic payment ID code. Save and (3) When making an electronic payment at the electronic payment store, enter the vehicle code and the ID code for electronic payment from the keyless entry unit into the electronic payment device at the electronic payment store, and (4) input the electronic payment device. The authenticated vehicle code and the electronic payment ID are transmitted to the electronic payment support server by transmitting the vehicle code and the electronic payment ID code to the electronic payment support server. (6) The electronic payment device performs electronic payment based on the authentication result or does not perform electronic payment. To
[0005]
When the electronic payment support server is requested to issue an electronic payment ID code, the electronic payment support server issues an electronic payment ID code different from the ID code that has been issued up to that time.
ADVANTAGE OF THE INVENTION According to the electronic payment method of this invention, electronic payment by the key of a vehicle is attained. Further, according to the electronic payment method of the present invention, different ID codes are issued to all vehicles (keys), and the ID code is changed every time a key is inserted into a key cylinder, thereby improving security. Can be enhanced.
[0006]
BEST MODE FOR CARRYING OUT THE INVENTION
(A) Overall Procedure of the Present Invention FIG. 1 is a schematic configuration diagram of an entire system to which the present invention can be applied, and FIG. 2 is an explanatory view of a procedure of an electronic settlement method using a key of the present invention.
{Circle around (1)} When the driver inserts the key into the key cylinder of his / her vehicle 1, the vehicle-mounted device (not shown) attaches the vehicle code and requests the electronic payment support server 2 to issue an electronic payment ID code. .
(2) In response to the request, the electronic settlement support server 2 checks whether the vehicle code has been registered as an electronic settlement vehicle, and if registered, transmits an unissued electronic settlement ID code to the in-vehicle device (issued) ), And the correspondence between the vehicle code and the ID code for electronic payment is registered in a built-in database. The electronic payment support server 2 issues an electronic payment ID code different from the ID code that has been issued up to that time to the vehicle-mounted device.
[0007]
{Circle around (3)} The in-vehicle device 1 stores the electronic payment ID code issued from the electronic payment support server 2 and transmits the electronic payment ID code to the keyless entry unit 4 of the key 3. The keyless entry unit 4 stores the received electronic payment ID code together with the vehicle code.
{Circle around (4)} In this state, when the driver makes a purchase at the electronic payment store 5 and makes payment by electronic payment, the driver presses the electronic payment key of the keyless entry unit 4 of the key 3.
(5) Thereby, the keyless entry unit 4 sends the vehicle number, the electronic payment ID code and the user ID to the electronic payment device of the electronic payment store 5.
(6) The electronic payment device transmits the received vehicle code and electronic payment ID code to the electronic payment support server 2 and requests authentication thereof.
{Circle over (7)} When the electronic payment store 5 requests authentication of the vehicle code and the electronic payment ID code, the electronic payment support server 2 stores the combination of the requested vehicle code and the electronic payment ID code in a database. The electronic payment device checks whether or not the electronic payment ID code is valid, and transmits the authentication result to the electronic payment device of the electronic payment store 5 based on whether or not the ID code is registered.
The electronic payment device performs electronic payment if the authentication is OK, and does not perform electronic payment if the authentication is NG. In the electronic settlement, the electronic settlement shop 5 requests the credit company 6 for payment with a user ID, the credit company verifies the user ID, pays if it is valid, and pays the bank 7. And the bank pays for the request from the user's account.
[0008]
With only the above procedure, it is assumed that unauthorized electronic payment is performed, for example, when the key with the keyless entry unit is stolen. Therefore, the user is required to input a personal identification number, and it is determined whether or not to make a final electronic payment based on whether the correct personal identification number has been input.
That is, the password is stored in the keyless entry unit 4 together with the vehicle number, the electronic payment ID code, and the user ID, and when the electronic payment key is pressed, these information are stored in the electronic payment device at the electronic payment point 5. To enter. Then, after receiving the authentication that the electronic payment ID code is valid, the user is required to input a personal identification number, and the input personal identification number matches with the personal identification number already input from the keyless entry unit 4. Check and if matched, execute electronic payment; otherwise, do not execute electronic payment.
[0009]
(B) In-Vehicle Device and Keyless Entry Unit FIG. 3 is a configuration diagram of the in-vehicle device and the keyless entry unit.
In the vehicle-mounted device 1a, the server communication unit 11 includes an antenna 11a, a transmission / reception unit 11b, and a modulation / demodulation unit 11c, and transmits and receives data to and from the electronic payment support server 2. The keyless entry unit communication unit 12 includes an antenna 12a, a transmission / reception unit 12b, and a modulation / demodulation unit 12c, and transmits and receives data to and from the keyless entry unit 4.
When the (1) key 3 is inserted into the key cylinder of the vehicle, the data processing unit 13 requests the electronic payment support server 2 to issue an electronic payment ID code with a vehicle code, and (2) transmits the electronic code. The electronic payment ID code received from the payment support server 2 is stored in the memory 14, and (3) the electronic payment ID code is transmitted to the keyless entry unit 4. The key insertion detection unit 15 detects that the key 3 has been inserted into the key cylinder of the vehicle, and the automatic door lock mechanism 16 controls automatic door lock on / off according to an instruction from the keyless entry unit 4.
[0010]
The keyless entry unit 4 includes an antenna 21, a transmission / reception unit 22 for transmitting / receiving data to / from an in-vehicle device, an operation unit 23 including a door open key DOK, a door close key DCK, an electronic payment key ECK, and the like, and a data processing unit 24. It has. The data processing unit 24 stores (1) the electronic settlement ID received from the vehicle-mounted device 1a in a memory, and (2) a vehicle code, an electronic settlement ID code, when the electronic settlement key ECK is pressed during electronic settlement. The user ID and the personal identification number are input to the electronic payment device of the electronic payment store 5.
[0011]
(C) Electronic Payment Support Server FIG. 4 is a block diagram of the electronic payment support server. The communication control unit 31 performs communication with the vehicle via the network NTWK, and the correspondence between the vehicle code and the electronic payment ID code. It has a database 32 for storing and a data processing unit 33.
When the data processing unit 33 receives the issuance of the electronic payment ID code from the in-vehicle device, the data processing unit 33 checks whether the vehicle code is registered as an electronic payment vehicle, and if it is registered, the unissued electronic payment ID code is mounted on the vehicle. The data is transmitted (issued) to the device, and the correspondence between the vehicle code and the ID code for electronic payment is registered in the database 32. When the electronic payment store 5 requests authentication of the vehicle code and the electronic payment ID code, the data processing unit 33 stores the combination of the requested vehicle code and the electronic payment ID code in the database. It checks whether the ID code is registered in the electronic payment ID 32 and checks whether the ID code for electronic payment is valid based on whether the ID code is registered and transmits the authentication result to the electronic payment device of the electronic payment store 5.
[0012]
(D) Electronic Payment Device of Electronic Payment Store FIG. 5 is a block diagram of the electronic payment device of the electronic payment store. The server communication control unit 41 communicates with the electronic payment support server 2 via a network, the keyless entry unit. 4 includes a keyless entry unit communication unit 42 for transmitting and receiving data to and from the data processing unit 4, a data processing unit 43 for performing various processes, an output unit 44 such as a printer and a display, and an operation unit 45. The keyless entry unit communication section 42 has an antenna 42a, a transmission / reception section 42b, and a modulation / demodulation section 42c.
The data processing unit 43 receives (1) the vehicle code, (2) the electronic payment ID code, and (3) the user ID from the keyless entry unit 4 when the electronic payment key is pressed, and receives the received vehicle code and the electronic payment ID. The code is transmitted to the electronic payment support server 2 to request authentication. The data processing unit 43 performs electronic payment if the authentication is OK, and does not perform electronic payment if the authentication is NG.
[0013]
In the case of checking the validity based on the password, the electronic payment device receives and stores the password from the keyless entry unit 4 when the electronic payment key is pressed. Then, after receiving the authentication that the electronic payment ID code is valid from the electronic payment support server 2, the user is required to input the password, and the input password and the password have already been input from the keyless entry unit. It checks whether the passwords match, and if they match, executes the electronic payment, and if they do not match, does not execute the electronic payment.
[0014]
【The invention's effect】
As described above, according to the present invention, electronic payment using a car key becomes possible. According to the present invention, security can be improved by issuing a different ID code to all vehicles (keys), and by changing the ID code every time a key is inserted into a key cylinder. .
[Brief description of the drawings]
FIG. 1 is a schematic configuration diagram of an entire system to which the present invention can be applied.
FIG. 2 is an explanatory diagram of a procedure of an electronic payment method using a key according to the present invention.
FIG. 3 is a configuration diagram of an in-vehicle device and a keyless entry unit.
FIG. 4 is a configuration diagram of an electronic settlement support server.
FIG. 5 is a configuration diagram of an electronic payment device of an electronic payment store.
[Explanation of symbols]
1 vehicle 2 electronic settlement support server 3 key 4 keyless entry unit 5 electronic settlement shop 6 credit company 7 bank

Claims (2)

In an electronic payment method using a car key with an integrated keyless entry unit,
When the key is inserted into the key cylinder of the vehicle, the vehicle-mounted device attaches the vehicle code and requests the electronic payment support server to issue an electronic payment ID code,
The electronic settlement support server issues an unissued electronic settlement ID code to the request source in response to the request, and stores a correspondence between the vehicle code and the electronic settlement ID code,
When electronic payment is made at an electronic payment store, the vehicle code and the electronic payment ID code are input from the keyless entry unit to the electronic payment device of the electronic payment store,
The electronic payment device transmits the input vehicle code and the electronic payment ID code to the electronic payment support server and requests authentication thereof,
The electronic payment support server authenticates whether the requested vehicle code and the electronic payment ID code are valid and responds to the electronic payment device with an authentication result,
The electronic payment device performs electronic payment based on the authentication result, or does not perform electronic payment,
An electronic payment method using a car key. The electronic payment support server issues an electronic payment ID code different from the previous ID code when issuance of the electronic payment ID code is requested.
The electronic payment method using a car key according to claim 1, wherein:

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